BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I have been trying to solve my debt situation for 3months now but still has not been solved. 

I closed the Chase credit card account in XX/XX/2020. I went to the branch and they guided me to call the Chase Card. I explained the whole situation that I would not be in the U.S so I wanted to make a payment of all the transactions including future transactions. 

I followed every direction also paid the amount that Chase told me. 

Now I am back in the States and I see the crazy late fees and the amount that I paid ahead is not even reflected on the statement before the late fees. 

I disputed and re disputed the claim about it however I can not make any progress when I try to communicate and followed their directions. 

Please help and advise. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: Asset Recovery Bureau LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Contacted by phone from " Franklin Associates '' regarding a settled debt. 
Despite providing No proof of debt ownership, threatened arbitration if I didn't pay XXXX USD Franklin & Associates Processing Department XXXX XXXX XXXX Demanded I pay. So I did onXX/XX/XXXX ... 
Now they are extorting me a second time by attempting to charge me a second time onXX/XX/XXXX The website XXXX has been under construction for at least that long, now. 

I believe I was scammed once and they are attempting to scam me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Avadyne Health Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid I asked them to remove it off my credit report they told me that they did not received and updated or that my account was paid off I have Proof that my account was paid in full. This has caused me to go into a XXXX XXXX I am XXXX out and I cant think straight This is not fair at all please help me I am trying to purchase a house and I can not purchase my house because this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: WA
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:
Equifax is reporting incorrectly a collection in the amount of {$68.00} partial account number XXXX. ( Please see page 7 of the attached credit report. ) There is no contact information given for the collection agency ; no telephone number and no address. There is no way to show that this collection belongs to me. This is a Fair Credit Reporting Violation and this line item needs to be removed from my credit report. This negative reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WY XXXX, FL 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 2018-10-16
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
SW Credit System opened a collection against me for the amount of {$570.00}. I never received a call from this company regarding this debt. They opened this account at XX/XX/2018 and then reported it two months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have sent requests for my credit report to Equifax via certified mail on XX/XX/2019 and again on XX/XX/2019 including proof of identity, proof of address, proof of social security number. Equifax has failed to provide a copy of my credit report to this day, XX/XX/2019. In addition, I have attempted to contact Equifax online and over the phone answering all identity verificarion questions exactly as they appear credit reports from XXXX. Representative XXXX, Employee ID number XXXX, refused to provide access to my account over the phone in order to lift a credit freeze temporarily. Same result with supervisor XXXX, Employee ID number XXXX. Neither would explain to me why Equifax will allow mr access to my account and information online nor provide a reason they will not provide any information to my account over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
PHH MORTGAGE Contacts us stating they are taking over our dispute for OCWEN neither one of these companies are recorded in our county records office with a modification agreement. 
XX/XX/XXXX transferred servicing rights to OCWEN. XX/XX/XXXX modification agreement was accepted. XX/XX/XXXX notice of TRUSTEE SALE FILED Doc # XXXX while in modification. in XX/XX/XXXX unlawful detainer filed by heloc RESIDENTIAL CAPITAL MORGAGE Which was purchased by OCWEN with a purchase agreement in XX/XX/XXXX. while in modification and current and compliant.XX/XX/XXXX kicked out of home of 23 years and left XX/XX/XXXX.XX/XX/XXXX OCWEN FILES IN HOUSE FORCLOUSURE using the XXXX loan # XXXX XXXX NOTICE OF TRUSTEE DEED UPON SALE FILED Doc # XXXX and are last payment to OCWEN was XX/XX/XXXX we were current and in compliance with our modification as per our Homeowner bill of rights being violated. XX/XX/XXXX fraudulent grant deed filed Doc # XXXX XX/XX/XXXX FULL RECONVEYANCE FILED DOC # XXXX AND NO HOUSE. THIS COMPANY HAS BEEN FOUND GUILTY OF MORTGAGE SERVICING FRAUD AND VIOLATING BORROWERS HOMEOWNERS BILL OF RIGHTS XX/XX/XXXX AND IN XX/XX/XXXX WHY ARE THES COMPANIES STILL IN BUSINESS AND THE CEO '' s NOT IN PRISON AND WE WERENT NOTIFIED OF ANY CLASS ACTIONS SUITS BECAUSE WE ARE NOT RECORDED ANYWHERE IN OUR COUNTY RECORDS WITH THESE 2 COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I noticed on my credit report a hard inquiry on XX/XX/XXXX made by XXXX XXXX of XXXX. I bought my truck from them in XXXX and would NEVER go back there again. I do receive mail from them stating that I am eligible for a refinance of my vehicle but never accepted them as they would be the last place I would go for a refinance. I also noticed two more hard inquiries for Factual Data in XXXX PA from XX/XX/XXXX and XX/XX/XXXX. Is there a way to find out what these two inquiries were for as I do not recall applying for any additional credit from anywhere in the past 12-16 months if not longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: CO
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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and spoke to a representative and removed myself as an authorized user from this account. They removed me as an Authorized User on XXXX and XXXX however Equifax has not removed this from my report. I have contacted the bureau to fix this issue however I was unsuccessful. This negative reporting is harming my credit score. This line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Continental Finance Company, LLC
State: CA
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:
XXXX / Continental Finance has done the following : 1 ) After paying off my entire balance they added the Annual Fee charge of {$99.00} to my account and backdated it on my statement. 

2 ) They never sent statements for me to know that there was an additional costs. 

3 ) Then I called on XX/XX/XXXX and found out that I had a 30 day late via a credit alert 4 ) I called and asked them to remove the late fees since I didn't see a statement and I paid the balance off in XXXX, as well as they needed to remove the fees and the late payment. 

5 ) They removed both late fees but refused to remove the late fee caused by their negligence 6 ) XX/XX/XXXX I process a payment to pay off the account again and the payment is cancelled 7 ) I processed the payment again on XX/XX/XXXX and they still refused to honor their mistake

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 2018-06-08
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on the sale of my home on XX/XX/XXXX late in the afternoon. That was the XXXX XXXX holiday weekend so the wire transfer to SLS did not go out until Tuesday, XX/XX/XXXX. I had received a written payoff letter from SLS on XX/XX/XXXX with the payoff amount of {$210000.00}. The title company wired {$210000.00} which included an additional {$140.00} for the daily accrual of interest at {$28.00} times 5 days per the payoff letter. 

On XX/XX/XXXX ( 10 days after the closing ), the title company called me and XXXX/Specialized Loan Servicing ( SLS ) had contacted them with a new payoff letter dated XX/XX/XXXX which is now {$2100.00} higher! The house has closed and been paid off ( the new owners are in the house ) and now they're issuing another payoff letter with added fees that were not on the original payoff letter under the category " Outstanding Fees/Corp Advances. '' The original payoff letter dated XX/XX/XXXX had only {$34.00} for Outstanding Fees/Corp Advances. and now it's {$1400.00} plus they added late fees in the amount of {$340.00} that was not on the original payoff letter. This is unfair and how can they backtrack to add fees after the closing of the house took place on XX/XX/XXXX?! I'm hoping the CFPB will step in and put a stop to this bait and switch tactic which is what I've read about XXXX XXXX doing with their mortgage customers. In the meantime, they are rejecting the wire transfer and not paying the house off, I've moved on, new owners are in. What a disaster. I need help. Thank you. 

Also, back in early XX/XX/XXXX, hurricane Irma damaged my roof and I called and asked about the XXXX XXXX program which they had authorized their servicers to suspend payments up to 12 months and not report the late payments to the credit repositories. Here is the XXXX XXXX guidelines on that program which I should have been given but was never offered and SLS 's employees knew nothing about it. XXXX XXXX XXXX So I had to miss some payments to fix my roof then I had XXXX XXXXXXXX that took me out of work for 90 days. I had sent them the sales contract showing that I was selling the house in XX/XX/XXXX. They have never offered any type of assistance since XXXX sold this loan to them in 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
Consumer complaint received 2018-10-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 - Wells Fargo Bank N A - placed a message in my online account - message center - We have shipped your new Wells Fargo Debit Card ending in XXXX. The card was shipped to XXXX XXXX XXXX, XXXX, FL XXXX. The message was added at XXXX on XX/XX/2018. I never requested nor approved of them sending another debit card. They refused to tell me who asked for the debit card. I don't know how that person got access to my personal information. I told her that I truly believe an employee is responsible. I follow protocol for logon. The thing that really irks me about Wells Fargo is the logon, every month they're requesting a new username or password, not an exaggeration. On XX/XX/2018 - while on the phone with one of them - to close my account - I told her I wanted to setup bill pay for XXXX she did this for me, the payment was for {$45.00}. A few days later I get another message telling me I have XXXX dollars, I was supposed to have {$.00} in my account. I message them on XX/XX/2018 asking them for my {$.00} to be returned to my checking account. Now because of all this type of problems going on I have to save copies of the things I do in my account. Thats not right. Senior citizen permanently XXXX, with no relief in sight. I filed a report for FRAUD and Identity theft.They sent a message > telling me that they've update my account information, without even explaining or acknowledging their mistake thats a cove up.Somebody is lying. I responded to that message.

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 2018-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
Chase is currently overcharging for transactions in GBP. The current exchange rate as of XXXX XX/XX/2018 is XXXX USD/XXXX GBP according to XXXX. Chase is exchanging at XXXX USD/XXXX GBP. They are charging me XXXX Pound Sterling ( GBP ) to XXXX U.S. Dollars ( USD ) not including their {$40.00} wire fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-12
Company: Professional Medical Management, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Paid off a medical balance with financial recoveries in the amount of XXXX. They will not send me a fax or email stating i have a XXXX balance. theyhave reported this on my credit this month as well when the balance has been paid! i need a fax or email in writing ASAP that this balance has been paid! the account number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29
Company: U.S. BANCORP
State: FL
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:
XXXX card inquiry on XXXX XXXX/XXXX inquiry XXXXUS Bancorp inquiry on XX/XX/2020

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 2021-08-17
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit report, I have two medical collections from AWA Collections. One medical collection for {$100.00}, and another for {$100.00}. 

I called AWA Collections regarding the two medical collections and was told they have no record of the {$100.00} collection. Even though it still shows up on my credit report as unpaid and belonging to AWA Collections. I spoke to a representative named XXXX. I haven't paid the debt, so I'm unsure how to proceed other than reporting it. I dispute the collection. 

Information : AWA Collections, XXXX, Opened : XXXX, XXXX : XXXX, Balance : {$100.00}, Last Actiity : COLLECTION XXXX, Decode : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX XXXX, " UNPAID ; MEDICAL ; ORIGINAL CREDITOR BUSSINESS TYPE : MEDICAL/HEALTH ; ACCT SUBMITTED TO COLLECTION ; PAST DUE PAST {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has been asked since XXXX to refund escrow overpayments and assess my escrow. Currently they are HOLDING {$13000.00} in escrow. My yearly taxes at {$8000.00}, and my insurance is {$2500.00}. At the VERY least, I should have a {$2000.00} plus refund, and they refuse to complete an eval of my account and process my refund. We have contacted them 7 times, we have waited four months, they acknowledge there is an issue but continue to refuse to rectify the issues.

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 2018-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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/2018 XXXX  removed Capital One Auto Finance ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 called the 3 credit Bureaus after I purchased a credit report in XXXX  After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 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 non-monetary relief
Consumer complaint received 2018-10-16
Company: LEXISNEXIS
State: MS
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:
Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I spoke to a representative yesterday that says both of my accounts were put a program for covid 19, and this one is not showing in the program. Your wait times to speak to someone are ridiculous. I need another paymeng waiver because I am still affected by covid 19. I want to make sure both my XXXX card and my thank you preferred card have been enrolled in a new program.

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