BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This complain is about the dating service XXXX XXXX XXXX i just moved to XXXX from XXXX, I am single I wanted to start dating. I saw this dating service on a magazine on XXXX XXXX. 

I called inquire, I was told they will provide me with in person dates with all the qualities I was looking for. 

12 dates - 6months. I agree to pay. {$3200.00} on XX/XX/2020 Starting match the next month. Covid happens things shut down and as a XXXX XXXX I told the dating service this was a terrible time and I will Like to cancel my services. 

I was completely told I wont get my money back. I reach to my bank, to see what can be done to help me get my money back. But since it was during the Covid the response time was so long, so I reach out to the dating service again in fear that I wont be able to get my money back and was set up for an alternative video date with someone who doesnt live in XXXX in which one of my 12 dates was to be someone who lives in XXXX. It was always to be in person and not video. 

I was completely dissatisfied with their service. Chase bank reach out to them and they still denied to reimburse my credit card. 

I was completely taken advantage of by this dating service and I looks like I cant even get the help I need. My 6 months expires in a month and with that said I will be left to pay {$3200.00} for the worst service in my life. 

I will like you to please take a look into this. Chase bank have tried all they can. I still have the charges on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was given a {$100.00} Visa gift card for my birthday on XX/XX/XXXX and I tried to use it twice the following week and the card wouldnt work. I thought that maybe I needed to register it online, so I went onto XXXX and realized that the card was already registered to someone else and a purchase had been made the day after it was given to me by someone that is not me in a city where I do not live and there was only a {$.00} balance left on it. I followed the instructions to register it as stolen after calling the lost and stolen number on the paper included with the card, which included faxing in a copy of the card, my ID, and writing a letter asking XXXX XXXX ( the company who handles the card ) to open a fraud investigation. I faxed all of the information in, and after three tries of sending in physical and electronic faxes ( through an app ) they still hadnt transferred the card to my name or opened an investigation. I talked w/a supervisor on XX/XX/XXXX and told her that I wanted a different option for sending in their required info, and she gave me the address of where I could send hard copies of this information, which I immediately did. I still had not heard anything back on XX/XX/XXXX, so called in again and was told that they had transferred the card to my name and received all of my paperwork and were opening an investigation. As of XX/XX/XXXX, I called back again and was told that the card was NOT in my name. I called back on XX/XX/XXXX to  talk to a supervisor and was told that they are still in the process of putting the card in my name and that it may take an additional 90 days to do the fraud investigation. When I asked that customer service rep what company he worked for because I was going to file a complaint he told me, " XXXX XXXX ''. I specifically asked him, " that is the company name? '' and he said " yes. '' I believe he intentionally gave me the wrong information as the card is drawn from XXXX XXXX so that I would not have accurate info for a complaint. This company has been an absolute disaster to work with, with numerous people giving me inaccurate and erroneous information for something that was NOT my fault and that should be easily rectified and they have made it incredibly difficult every step of the way. I have now spent hours on the phone, doing faxes, and sending papers just to get a replacement {$100.00} gift card, and every time I call I have to go through the same process over and over again and there is never any progress or solution. I believe they are making it intentionally difficult so that they do not have to give me a replacement card.

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 2023-02-17
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was recently a victim to a scam. I paid XXXX dollars through Zelle with the expectation that I was going to get that money back ( according to the scammer ). After the money was sent, I was threatened and extorted for more money which is when I got the authorities involved. My other XXXX  XXXX XXXX claims are still being investigated but this one was denying giving my money back. This transaction occurred on the XXXX of XX/XX/2023. XXXX held an " investigation '' but nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
DEPT OF ED/XXXX  on all my credit reports shows I am late 90 days XX/XX/2019 but in XX/XX/2019 I am on time. This needs to be fixed with the credit companies

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 2018-07-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Still reporting bankruptcy that the court have removed from under my name and its hurting my family well being.

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 2017-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX my debt to XXXX XXXX. This debt was paid in full on XXXX/XXXX/XXXX. Both XXXX and XXXX show on my credit report as negative. XXXX agreed to remove the debt from reports once paid in full. I have called them multiple times since my XXXX payoff and they are telling me that they have done what they need to do to remove and it 's out of their hands. I have filed disputes with all 3 credit reporting agencies and they say the information is correct. 
XXXX tells me that when they sold the debt to XXXX their negative reporting should have been removed. Again, I have filed disputes with all 3 agencies and am told that the information is correct. Meanwhile XXXX and XXXX say that they have done all the were supposed to do to have removed. 
No one is taking responsibility.
I would like both debts removed from all 3 agencies report.

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 2022-10-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX  to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2022-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Im not sure when but my mother opened a credit card account with capitol one under my social security number and XXXX XXXX for {$500.00} with out my knowledge or consent {$400.00} was spent and now my credit is rapidly declining due to the facts she hasnt made payments Ive been trying to despite the charges since XX/XX/2022 when I found out she opened a credit card and nothing has been done except referrals to different places to help dispute the charges

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX Collections representative XXXX contacted my tenant and stated that she was trying to reach me about a debt I owe American Express. She breached my right of privacy under Federal and State Law by sharing with my tenant the outstanding balance owed and that she was a debt collector trying to collect a debt. She instructed my tenant to have me call her at XXXX XXXX XXXX XXXX, ext. XXXX. This occurred on XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-19
Company: MiraMed Revenue Group LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recvd phone call in XX/XX/XXXX from a company called MiraMed Revenue. A man named XXXX called to inform that I owed {$930.00} for a XXXX XXXX procedure done by my XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I told him we have recvd nothing regarding an outstanding debt from our XXXX  or the XXXX XXXX company. I told him then that means if it was owed thennit was also paid already. He assured me it wasnt paid and that it was outstanding and owed. And that he had not the bad debt on my credit report yet. ARE YOU KIDDING ME????? Thats harassment. I told him we have received nothing on this balance!!!! I told him then I would need to check with my doctors billing Dept as well as my husband and would call him back. He proceeded to tell me he would be willing to negotiate the {$930.00} if I was willing to pay today. A red flag went off right there. I did call my doctor and they proceeded to call the XXXX XXXX company and indeed, the bill had long been paid. This is ridiculous. Why are they not required by law to confirm and reconfirm before a single phone call is made that a debt is indeed outstanding?? Unless they are intentionally hoping to scam someone out of money already paid. These are the kind of companies that take advantage of elderly people or non English speaking, or even inexperienced people because of their persistence as well as their lack of desire to check on a balance a customer says has been paid. Why wouldnt they be required then and there to check with company they are collecting for??? Because its just as easy for them, when they get caught collecting again, to just plead ignorance or call it a misunderstanding. Baloney. Stop these companies from being lazy and require them to do their due diligence before placing a single call. It was a waste of two hours out of my day trying to gather information from a year ago to prove to them this balance had been paid. Infuriating. 
XXXX 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account has appeared on my credit report and, despite attempts to dispute, I have received no information proving I owe this debt. I was never in the emergency room in XXXX of 2017. I have had insurance at all times during the time they allege I incurred a debt. I am providing a true and correct itemized list of claims submitted on my behalf

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Mr. Cooper Group Inc.
State: NV
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:
On XX/XX/XXXX I filed a dispute with XXXX  regarding a late payment that was reported by Nationstar. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both XXXX  and Nationstar failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding Nationstar 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by Nationstar to the CFPB on XX/XX/XXXX, Nationstar clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my XXXX report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How Mr. Cooper chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: NJ
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 went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: EQUIFAX, INC.
State: FL
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:
The following account ( XXXX XXXX XXXX ) belongs to someone with else with the same/or similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In retaliation for filling complaint no. XXXX, XXXX- XXXX  has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX  denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX  on XX/XX/2018, therefore it would have been impossible for XXXX  to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX  no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX  signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX  has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below and DELETE instantly from my file : XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Paypal stated that since my credit card company disputed a charge on my behalf with them without my knowledge and it was denied for a fraudulent purchase that their Buyer 's Protection Program is void. It is not acceptable for Paypal to let scammers on their platform. My user id is XXXX with Paypal and there was a XXXX USD charge for a puppy I never received. I am just one person trying to fight this. Paypal says to try to contact the merchant. I have and the merchant does not reply. See attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Twice I have attempted to make my payment online with SPServicing and twice it has failed due to an incorrect account number. When it happened the first time, I assumed I typed the account number incorrectly, but when it happened a second time I suspect an error in their system not my typing. I called customer service and spoke to XXXX XXXX at extension XXXX and explained that their must have been an error in processing the payment and could I please make the payment over the phone. He informed me that because this had happened twice in 6 months, they would only accept certified funds. He refused to take my payment over the phone and informed me that if I mailed a check it would be returned if it wasn't certified funds. Just to be clear, neither payment was returned for insufficient funds but rather an incorrect account number, and the account has never been in default. I have read my mortgage Note and do not see anywhere that requires me to send certified funds if a payment isn't processed due to an incorrect account number. The payment is not delinquent and the account is not in default. Please clarify if SPSerficing is allowed to refuse my payment and require certified funds when the account is not in default or past due. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation