BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Chase keeps marking my purchases as fraud even though they were made by me and I keep asking them to disable the feature on my account. This is my fourth or fifth time where they flagged a purchase and made me call in and wait on hold for over 20 mi  utes just to unblock my account for a purchase I made. It has turned into a very serious issue where I feel that I can not reliably use my card when I need to. It shouldnt be this way. I need chase to deactivate their very poorly administered fraud prevention as it is causing me lots of issues when using my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Real Time Group, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed bankruptcy and included REAL TIME RESOLUTIONS with that and they keep reporting on XXXX XXXX AND XXXX I've given them ample proof and time and they keep reporting causing my score to go down every time. I've had it with all XXXX of these bureaus. Not to mention they have XXXX  of my mom 's credit cards on my credit and refuse to take them off. Please help me get them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX I complaint to their executive office about not having online access to my new account ending # XXXX and they were over an hour on the phone with a Rep by the name XXXX and the call ended after following troubleshooting steps that was submitted to their digital office to be dealt with their back office and I was promised that they will call me back with a resolution within a day, after over a week on XX/XX/XXXX I called back XXXX and asked what is going on and he had no clue and after being on the phone with him for hours he just didn't seem to know whats flying and what was last week only after a nailed him down he agreed to listen in to last weeks convo and came up that the escalation was rejected which is non sense as we all confirmed the submission while we were on the phone, he seemed not be knowledgeable nor capable to handle this before listening into the convo he just wanted me to redo things again and again.I demanded to talk to a Supervisor which he transferred me to someone by the name of XXXX and he was the same non sense and also promised me to call me back and he never called me back so on the XXXX I called back XXXX and he again started with the same none sense and couldn't explain me why the escalation was rejected in the first place and he just kept on going in circles with me. I was left without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: FLORIDA HOME TRUST MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX i have a loan with XXXX XXXX XXXX to my home in XXXX Flirda this company has not collaborated with late fee payments by paid month XXXX 2020. 

I called them to see if they had any delay program for these times and they said no. that if I did not make the payment they would charge me the late fee and there would be delays in monthly payments they would execute me with lawyers. 
Bring the check XX/XX/XXXX at XXXX XXXX  at your XXXX Florida office. There was no one person to receive the check and contact Mrs. XXXX and she informed me that she did not bother me that they withdrew the payment and credited it to the account. 

After the days the bank calls me to notify me that I had a late fee account. for late payment in XXXX. they processed the payment on XX/XX/XXXX. 

It is not fair that they charge a late fee when in these times many people find it difficult to make monthly payments due to the world situation we are experiencing. 

They notified me that no one could compel them to be considerate of their loans, that there was nothing official from the government to compel them to grant any extensions. 

I accepted that, and sent the payment on XX/XX/XXXX because they are charged a late fee? my loans are to pay until the XXXX of each month. 
If they do not have personnel to receive the payment, it is not my fault that they deposit late and collect it from me. 

please I need a verification of my case because it is an abuse of those banking entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
company updated account but still show many errors according the FCRA. 
I will be uploading my Transition credit report to show the payment history errors that prove my case. 

To Whom It May Concern : I pulled a copy of my credit report and found the XXXX XXXX payment history is inaccurate, inconsistent & incomplete.l request that you deleted this item of my credit file and send me an update copy of my credit report. 

From, XXXX 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
Consumer complaint received 2018-12-17
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have a medical debt that was referred to Midwest Service Bureau. Per my request, I had my son contact the doctor to advise it would be paid on or before XX/XX/XXXX, as the debt is disputed and if my insurance did not pay more, I would take care of the bill on or before the XXXX of XXXX. 

I had my son attempt to contact Midwest Service Bureau on XX/XX/XXXX after he spoke to the original creditor and came to an arrangement with them. Even though I was still within my 30 day validation period I was coerced by Midwest Service Bureau because of their policy that they sue all former employees and relatives of former employees. 

My son contacted Midwest Service Bureau and spoke with XXXX XXXX and XXXX XXXX and attempted to tell them that the account was disputed that they did not have to give him any information but in align with the XXXX decision, he simply wanted to vocalize the dispute and offered to tell them on voicemail. As he was telling XXXX XXXX this, she hung up on him a clear violation both of the XXXX decision. 

If it were not for this coercive policy of taking all relatives of former employees to court that took away might rights guaranteed under both FDCPA and the Kansas Consumer Protection Act, I would not feel so pressured to come up with this money. I have come up with an agreement with the holder of the account, but it does not excuse the abusive collection tactics employed by Midwest Service Bureau and its agents. 

Further, the fact that I am being coerced into paying this due to my son 's being a former employee shows that there was a clear conflict of interest in this case. When the account was turned to Midwest Service Bureau they should have sent it back because of the conflict of interest instead of engaging in the coercive and discriminatory techniques that they regularly engage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: GA
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:
Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: MoneyLion Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I made a payment of XXXX dollars towards my loan amount of XXXX dollars which was credited to my bank account. On XX/XX/XXXX I look to see if the amount has been processed and moneylion is showing I havent paid anything which is not correct my next payment is XX/XX/XXXX in the amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX XXXXXXXX charged early redemption fees of {$49.00} for selling mutual fund shares prior to being held 90 days. It was an automated weekly purchasing program of {$25.00} per week. Charging nearly {$50.00} for {$300.00} of purchases over 90 days is excessive. 

More importantly their own rules do not clearly indicate when the fee is applied, and actually shows it being discretionary and arbitrary. 

This happened in 2 custodial accounts and I was unable to get resolution over live chat. 

Please see page 10 for vague description of short term trading they are trying to discourage ( account agreement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These two XXXX XXXX XXXX Accounts were DELETED by XXXX on XX/XX/2019 from a recent investigation found Unverifiable by XXXX XXXX  XXXX. ( See attachment ) >>How can the same creditor be contradictory and state theses accounts are VERIFIED with TransUnion? Arent you getting the same information from the same data furnisher >>Account # XXXX Pay Status of >ChargeOff< but also reporting ontime payed as agreed. Please DELETE this account for erroneous reporting. ( See attachment ) >>Account # XXXXAn Original Charge-Off Balance {$720.00} higher than the Balance {$710.00}, never late but charged off and reporting a > ( {$5.00} ) <payment received >XX/XX/2019< on a Closed account Please DELETE this account for erroneous inaccurate reporting. ( See attachment )

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 2019-09-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I am a XXXX years old XXXX man, someone of got into my credit and charge my credit cards up very high, so, .I call One Main Financial and got a loan. I did not know that interested rate would be so high that, I can pay the loan off. The loan amount was {$13000.00} dollars and I have made Six payment it all going interested and still at {$13000.00}. My name is not signed on the application. One Main Financial XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX. Can someone help me? XXXX XXXX XXXX XXXX XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Collection Information Bureau, 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: Account status incorrect

Complaint:
This concerns medical bills that have been paid by my insurance.. XXXX  already fixed issues,, XXXX  has not.. XXXX still showing medical bills with collection agency XXXX,, XXXX, I called XXXX, also known as Doctors Business Bureau and spoke to XXXX AFTER, I Called and spoke to 3 previous Agencies, XXXX XXXX XXXX XXXX  at XXXX, XXXX XXXX XXXX, XXXX where service was rendered, XXXX XXXX, XXXX XXXX XXXX, All of which show my medical bills are paid by my insurance ... I called XXXX and spoke to a " XXXX '' and asked how can you show that I owe medical bills when all these agencies and original service provider shows they are paid and I owe nothing,, I gave him all points of contact including names and numbers and addresses to verify my bills are paid and please remove from my credit.. He said that wasn't possible even after all information I provided ... I filed another dispute through XXXX, provided same information as I did To XXXX at XXXX and still XXXX has yet to remove their collection on me.. XXXX has deleted those from my account ... I done all I could and Provided All information to XXXX  to delete this collections on me and remove.. I supplied all my insurance information also to XXXX to verify bills paid ... Nothing.. Still on XXXX  credit,, XXXX ... I Researched online and have a found complaints filed for XXXX not removing paid medical bills after proven paid.. Complaints made to XXXX, though XXXX isn't part of the XXXX..I need this off my credit report,, it's PAID ... Please help me if you can.,, Thank You. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Florida XXXX Amounts showed that I owe that have been paid for by my insurance are as follows {$150.00} {$250.00} {$810.00} {$870.00} All have which been paid by my insurance and showed paid by original service provider and all agencies prior to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: GA
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:
There is an auto account listed on my credit report that is in-accurate or reporting incorrect information. This is negatively impacting my ability to attain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased this house in XX/XX/XXXX. After this purchase my mortgage was sold a couple times. I fell behind in XX/XX/XXXX right after having a baby. XXXX to be exact. I received threatening calls and threats of foreclosure. I was told the only way to keep my home was to do a mortgage modification. And additionally pay extra each month to catch the XXXX I was behind. I did that. I paid the money back monthly. I also did the modification which proved to be a huge mistake. I only did it because I was made to feel like I had no other options. This agreement has me paying more in interest then the actual loan amount at payoff. I have reached out to Select Portfolio Servicing for years to fix this. How can you owe over what the loan amount is for payoff in interest. They refused to give me a amortization. My principal balance is XXXX The interest owed is XXXX This is a home I have lived in for 14 years with the purchase price of XXXX This company is predatory. This company takes advantage of families struggling. I was harassed until I agreed to a mortgage modification that I was not given the accurate details on. I am reaching out for assistance on this issue. Select portfolio has offered several more loan modifications that I have refused. I would like to see a investigation into how this company uses threats and tactics to trap homeowners under a sickening amount of interest and penaltys. I do have documentation to back up everything I have written.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account on XX/XX/2018 with a {$300.00} bonus offer attached to my account. I have met the bonus terms already but do not yet see the payout into my account. Bank states offer was never attached but it was definitely done as confirmed by the bank rep at the time. 

XXXX  : 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 monetary relief
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: GA
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 have spent the past several months sending certified letters and countless calls to all 3 credit bureaus XXXX, XXXX  and Experian trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.

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 2021-06-07
Company: Porania, LLC
State: NY
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 have this accounts that i want to remove from the 3 credit reporting agencies as they does not belong to me. 


1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2020 I sent a dispute letter requesting to have inaccurate items removed from my Equifax credit profile. As of XX/XX/2020 I have not received a resolution from Equifax so I sent another letter requesting that they follow the law and remove my inaccuracies ; since they did not resolve my issue within the allotted 30 days given to investigate my dispute. Equifax has neglected to comply with The Fair Credit Reporting Act, and still have not remove the inaccuracies from my credit profile as of today, XX/XX/2020. I have included copies of both letters with my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
my loan was refinanced XX/XX/XXXX. my bank payments were continued to be cashed by acs and aes since XX/XX/XXXX until now XX/XX/XXXX. the money did not go towards the loans. its fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have automatic payment due for the XXXX of the month. They took XXXX payment on XX/XX/XXXX and we were in the negative because of it. We called to change the due for XX/XX/XXXX and every month after that. We noticed they took another payment on XX/XX/XXXX and that made it double payments put us in the minus again. We attempted several times to correct it, but they put us on hold for 30 minutes and then kicked us off the line. One of them who did that is XXXX and XXXX. All that because our loan was sold and they dont care anymore, to the point that I can not change anything on line. I have to call for everything. And out of one of these calls, I found out my loan has been sold. So far, I did not receive anything about it and who will receive the next payment. AmeriHome or XXXX.

Company response to consumer: Closed with explanation