BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Chase Bank did not send me a statement. Chase Bank did not contact me until my account was 30 days past due. Since the day I received my card ( about 6 months ago ) from Chase Bank, I have not received a single statement. I'm never late on payments and never have a carryover balance on any of my credit cards. My credit score was 800+, now thanks to this unethical company it has dropped about  75 points for who knows how long. When I looked in to it, I learned my card was 0 % interest and the only way they made money off of the card was through late fees. I don't think it was a coincidence that I never received statements. I'm done with Chase and hope they're not doing this to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01
Company: T.S. Holdings
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Since XX/XX/XXXX I have been working on getting my credit in great standing to buy a house. In this time I have been strictly repairing my credit. With verification letters being sent out first. I have yet to receive any information or updated status on this account. Status dates have not change since 2019 on this account which means the account was not investigated but said to have been verified and continues to report on XXXX and XXXX. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611. XXXX and XXXX  are reporting different information, one shows the account has been sold to IQ Data and another shows its has not been sold. In one of the attached photos you will see That Monarch is reporting as the collection and original creditor with no consumer dispute added, which means no investigation has been done and multiple violations of the FCRA. I am requesting that this inaccurate information be deleted from my credit file immediately. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file without launching an investigation that is required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Bank of America is refusing to investigate fradulent cash advances on both of my business credit cards and lowered the credit limits on both of them as a result of the cash advances. They are refusing to investigate because they claim their records do no go back far enough to see the dates of the transactions. They are ONLY A FEW MONTHS OLD. There is no reason for them to not be able to see them. Also since the cash advances were NOT initiated by me, there is no reason that my credit limits should have been deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-09
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I submitted a complaint # XXXX and the company has closed it. The company ( Roundpoint Mortgage ) responded within 2 days of my complaint. They have confirmed via email and phone ( XXXX XXXX ) that the forceplaced insurance amount they stated of {$2500.00} will be refunded and effective XX/XX/XXXX, it will no longer be applied. Two issues remain outstanding. I have followed up with XXXX XXXX  ( my assigned contact ) twice, in the last 10 days and have not received a response. ISSUE 1 : Roundpoint states that the forceplaced insurance amount to be refunded is {$2500.00}, however I was actually charged an extra $ XXXX/month for the forceplaced insurance since XX/XX/XXXX. 9 months x {$580.00} = {$5200.00}. I expect to be refunded this amount and Roundpoint has not yet responded to this discrepancy. They continue to neglect my inquiries regarding the discrepancy and only respond to address the {$2500.00} amount. I expect to be refunded for the erroneous amount I was actually debited, not what they state to be the amount. Issue 2 : I have not received a response on the timing of the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I closed a Wells Fargo credit card. 
I found out recently when i went to refi that Wells Fargo did a write off for XXXX that caused my credit score to drop 100 points. I've always had an excellent credit rating. I didn't even know there was an outstanding balance. 

I contacted Wells Fargo saying i don't know what this transaction is they wrote off. they investigated it as fraud and determined it was not fraud and closed the investigation. they indicated that on the card i closed, i did a XXXX cash withdraw from the card and put that into my checking account. That transaction had a XXXX fee and then interest. I failed to pay the balance over a course of several months and they wrote off the balance. They said they sent me hard copies of the statements. I do not pay attention to my postal mail. I have all of my Wells Fargo accounts set to electronic delivery. I never got anything electronically. In addition, the account did not display along with my other Wells Fargo accounts. If it did, I would have seen the open balance. I have over XXXX in my Wells Fargo accounts. Why would I have ignored a XXXX balance. Plus, if Wells Fargo actually looked my my transaction history, I do not do cash withdraws from credit cards. Any why would i do a XXXX that has a {$10.00} transaction fee. I then went to Wells Fargo branch and they escalated to another group. That group reviewed my situation and said they would remove the late fees and the XXXX transaction fee. I went up to Wells Fargo and paid the {$27.00} balance immediately only to find out that they would not change the credit entry. The rep at the branch will send me some documentation. He says he can see a sequence of events on the card. I cleared my rewards points totaling almost {$100.00}. then the {$27.00} transaction then the closure of the account. All on the same day. If i did this {$27.00} transaction, I did it by mistake. I probably grabbed the wrong account to do an online payment. they are penalizing me severely for something that truly is a mistake on my side or theirs. I do not recall getting any hard copies of the statements. The account did not appear on my online banking. I'd like to find a way to reverse the credit rating so i can pursue refinancing as i planned. Refi can save me {$150.00} a month at my good credit score. the banker i work with was just as surprised as he worked with me 6 months ago and new what my credit was high scoring. any help is greatly appreciated. 

I've attached some documents the agent at Wells sent me. I absolutely do not recall the past due letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Filed a dispute with Experian Report Number XXXX, XX/XX/2018 and I included a consumer statement to be placed in the file. 

Received the update credit report and no reference was placed in the file to my consumer statement. Their management, supervision and follow up is very poor at best. 

They are more concerned with signing you up for fee based services than correcting errors. When you call their number their messages while on lengthy holds are allow about selling you services. 

The legislature needs to remove the loop holes in the law that allows them to operate in this fashion. Thank you for look into this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Greystone Alliance LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My husband and myself gotten multiple calls from XXXX this past week. I was told that this is for a debt from XX/XX/2009. I was told that there was mail returned to them from an address that I moved from over 9 years ago. I was told that they have filed charges against me and threatened to sue me for this debt. I asked them about the statue of limitations and was told there is no limitations and they can sue me and put me in jail at any time. I told them I am not claiming ownership of this debt and would contact the CFPB for assistance. The last rep I spoke to was XXXX XXXX XXXX at XXXXXXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Original Creditor : XXXX XXXX XXXX XXXX XXXX Account type : Collection Department/Agency/Attorney Date opened : XX/XX/XXXX Payment status : Seriously past due date/assigned to attorney, collection agency, or credit grantor & apps ; internal collection department Status updated : XX/XX/XXXX Balance : {$400.00} Balance updated : XX/XX/XXXX Original balance : {$400.00} Terms:1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I received a letter from XXXX XXXX XXXX indicating XXXX XXXX would not sue me or report the alleged debt to any credit reporting agencies. On XX/XX/XXXX XXXX XXXX reported this debt to XXXX and XXXX. when i called them on the issue i was told they weren't sure why I received the letter but they would not remove it from my credit report. I submitted a dispute with XXXX but the agent submitted the wrong reason for dispute and now i have to submit another dispute and wait another 30 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U. S. C section 604 A section 2. It also states a consumer reporting agency can not furnish a count with our written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received several calls from an UNKNOWN number. 3 times per day. My understanding is that they are not allowed to call from UNKNOWN numbers. Last called I answered and she identified herself as XXXX XXXX from Midland Credit Agency. Call received XX/XX/2019 @ XXXX ( MT ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX. Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: ALLY FINANCIAL INC.
State: OR
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Company attempted to contact me multiple times while I was unable to answer while being at my workplace they resorted to calling distant family members that have no association with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of 2016, I canceled my account with XXXX. In XX/XX/XXXX, I was sent a final bill which did not reflect the cell phones which I had returned. I called XXXX customer service and was told they would check with their warranty warehouse to see if the phone was returned. In XX/XX/XXXX, I was contacted by a collection company for XXXX. I told this collection company that I never received a notice from XXXX stating their intent on sending my account into collection and that I was still disputing the final bill. The collection agent made me believe he was working for XXXX billing and paying the bill would mean the account would not show on my credit report so I paid with him. A few weeks later, I received an email from XXXX saying they did receive the phone but could not make any changes to my account since it was sent to collections. I believe XXXX should have sent me a letter stating their intent on sending my account into collections which they did not do. I also believe XXXX should not have sent it to collections while they had an open inquiry for missing equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and saw that there is a hard pull on my credit from your company. 

I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. 

Therefore, I believe that I am a victim of Identity Theft. 

Please contact the credit bureau at once and have this had inquiry removed. 

Please send me confirmation that my request has been honored. 

Thank you for your cooperation in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THIS IS FRAUD AT ITS FINEST

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX - XXXX - is reporting an erroneous account on my credit and showing a balance. I have disputed this several times with the bureaus and they claim it is valid and it OBVIOUSLY IS NOT! 
This debt was paid prior to even going to XXXX XXXX XXXX and it was sent to collection in error. Now they keep reporting and updating a BALANCE on my credit file even though their own note on the accounts shows SETTLED FOR LESS!!! 
So how can this be valid? it is a clear and obvious violation and it has just affected my financing. I lost a house because of this so I have notified my attorney to pursue legal action unless this is removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: Dovenmuehle Mortgage, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Mortgage account was mistakenly reported in XXXX of 2019 on my XXXX  credit reporting resulting in the removal of the tradeline. Have contacted dovenmuehle and XXXX  to have this account verified as accurate. Several complaints and Months later, dovenmuehle states it's been reported to the credit bureau while XXXX  is stating it has not been reported. Below are both letters to indicate someone isn't being truthful or accurate in they're statements. This missing information on my credit report is resulting in a loss of credit score by 21 points, damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was compromised by a number of sources inwhich resulted in fraud on my credit file via the dark web and the XXXX breach inwhich is the root of this problem. Please remove and block the following unknown and unauthorized accounts. 

1 ) XXXX XXXX XXXX {$470.00} 2 ) XXXX XXXX XXXX {$760.00} 3 ) XXXX XXXX {$2100.00} 4 ) XXXX 5 ) XXXX XXXX 6 ) XXXX/ XXXX XXXX 7 ) XXXX XXXX XXXX  {$83.00} 8 ) XXXX XXXX {$760.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
By law First Progress has agreed to close my account on XX/XX/2021, withhold {$120.00} from my {$1000.00} security deposit to pay for the amount I have disputed with CFPB recently, refund me the remaining {$870.00} from my {$1000.00} security deposit, as indicated in their XX/XX/2021 statement, but within a recent XXXX complaint filed against them, there in this XXXX  Complaint and CFPB above referenced Complaint it was proven that they have rebilled the {$120.00}, after the above withholding payment of {$120.00}, which has evidently been ignored and discounted as with the refunded {$870.00} in closure agreement, proven with the following statements resulting in the XX/XX/2021 Statement balance due of {$390.00}. 
The above First Progress withholding & rebilling {$120.00} contradictions and refunding {$870.00} & thereafter billing {$390.00} contradictions, after XXXX balance closure agreement statement dated XX/XX/2021, and refusing to report a XXXX balance to all 3 Credit Bureaus proves, as evidenced above, the guilt of " false and deceptive business practices by First Progress ''!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted Experian about an inaccuracy on my credit report. The item XXXX acct # XXXX shows a payment history of 3 years and shows an updated negative mark XX/XX/XXXX almost three years after the account was settled! XXXX sent me a letter indicating after sending the proof requested that they would not pursue this debt any longer after XX/XX/XXXX. 
The debt is showing on my credit file as a negative mark as recent as XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation