BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: JPMORGAN CHASE & CO.
State: NH
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:
My husband XXXX XXXX X/XX/2017 ( he went to bed a healthy man and just after XXXX had a massive XXXX XXXX. My daughter and I did XXXX on him while waiting for XXXX to arrive ) a few days later I called to let CHASE CARD know. They repeatedly asked to speak to my husband to get authorization to talk to me?????? Totally upset I handed the phone to my aunt ( not even my husbands aunt ... .MINE ) they spoke to her!!!! They changed the card to me being the primary ( after my husband XXXX XXXX ) without my authorization ( Iwas originally only an authorized user ) I have requested repeatedly that something/anything be mailed to me showing that I gave authorization for this change. They did mail me a copy of the original application that shows my husband as the primary, no secondary and me as an authorized user only. After receiving this they still refuse to remove my name from the card and asked me to mail them a copy of this????? They mailed it to ME why would they then need me to mail it to them? The ENTIRE time that we had this card I would have to have my husband call to give authorization for them to speak to me about anything except making a payment. They also closed the card ( not me ) they continue to call and harass me, They called me 3 times ( even after telling them where i was ) while I was at the hospital waiting while my daughter was having XXXX XXXX!!! They are ruining my credit and will not wash the balance on the card and leave me alone. I would like to have my name removed from the fraudulently opened card, have the balance removed from the closed card and have my credit restored. ( XXXX has already done this XXXX XXXX has not as of yet ). I have repeatedly asked them to turn it over to an outside collection agency as an outside agency will require them to prove this is my bill, yet they continue to try to collect internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AMERICAN EXPRESS COMPANY
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:
i currently have the American Express Gold Delta SkyMiles Credit card. I received an email encouraging me to refer friends/family to apply and receive XXXX bonus miles once they were approved. I referred my significant other on XX/XX/17. She applied directly with the link i sent her and was instantly approved. I've called both Delta and American Express countless times without ever receiving the miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX, XXXXXXXX XXXX XXXX has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Webcollex, 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:
On XXXX XXXX, 2020, CKS PRIME INVESTMENTS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CKS PRIME INVESTMENTS has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital one has stated that they do not have to comply with federal laws and regulations. Attached are documents for violations they have broken along with a notarized affidavit of truth and bill of particulars.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm XXXX years old and been living in my home with wife and grandchildren for over 34 years. XXXXXXXX XXXX  is trying to fraudulently take our home despite all the illegalities the Federal government caught them in when they bundled the securitized mortgage that they acquired from XXXX XXXX in XXXX. They are being monitored by DOJ however they have done nothing to settle the mortgage issue with my family. I can't reach anyone from XXXX XXXX to correct this travesty of justice. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Genesis FS Card Services, Inc.
State: OH
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:
I have a Milestone Mastercard. I make the payments on time, every month. In XX/XX/2021 I made a payment, then attempted to use the card a few days later. The purchase did not exceed my available credit, but the sale was declined. 

I logged onto the Milestone site, to check my account, and discovered that my most recent payment had been processed, I should have had credit available, but my available credit was listed at zero. 

I called their customer service. I was placed on a lengthy, lengthy hold- before finally speaking to someone. I described the issue and was told that I'd have to speak a supervisor. Another lengthy hold. At this point I've been on the phone for a 1/2 hour. 

The supervisor tells me that they'd spotted a fraudulent charge on the account, and frozen my credit. It wasn't a fraudulent charge, it was a regular recurring charge ( which had gone through previously ). The supervisor assured me that they'd send and email to the fraud department, and the account would be unfrozen within 3 business days. 

Three business days later, the credit was still frozen. I contacted XXXX customer service again, this time I was informed that no email was ever sent to the fraud department and it'd be another week or so before the account was unfrozen. 

It took a good portion of the month, and several lengthy phone calls to get XXXX to correct the mistake they made. The various supervisors I spoke to during this process assured me it wouldn't happen again. 

On XX/XX/2021, I made another payment, was preparing to make a purchase, but discovered the account had been frozen again. 

This time there was a twist, when I tried to call customer service ( XXXX ) XXXX, there was a recording stating that number was not accepting calls. There was no chat function, and no email address. It was as if they'd deliberately tried to make it difficult to contact them, and thereby never provide customer service. 

I had to XXXX an alternative, obscure contact number for their customer service. After another lengthy hold, another conversation with a customer service rep, followed by another hold - I spoke to a supervisor who informed me that XXXX had done the exact same thing they'd done in XXXX and sworn they'd never do again. Again I was informed by the supervisor they'd contact the Fraud department, and the account would be unfrozen within 24 hours. 

They had no answers to my questions about why it was virtually impossible to contact them directly. 

I spend more time battling with XXXX, getting them to unfreeze my account, than I do actually using the card. It's difficult to use the card, difficult to use the credit and they make it nearly impossible to contact them. This doesn't seem like an ethically run business or ethical financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Weltman, Weinberg, & Reis has continued to pursue legal action against me in a state that I do not live in, despite notification of the move. Due to my inability to travel to represent myself, they were awarded a default judgement and continue to take action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Friday XX/XX/XXXXan electronic wire transfer was fraudulently made from my XXXX bank account. When I went to the bank the same day the fraud was committed XXXX 's wire department contacted the receiving bank. Bank of America. I was told at that time the funds were frozen and would not be released. On XX/XX/XXXX I was notified by XXXX that Bank of America responded to them on XX/XX/XXXX that they were not able to recover the funds and therefor they could not be returned. If the funds were frozen the same day as the fraudulent act then why were they not able to recover the funds.

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 2018-01-23
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My BB & T checking account is negative because of some fraud and authorized transactions. The fraud transaction have been credit back, but not the overdraft fees associated with it and my account is still negative because of a merchant who has informed me to do a charge back with the bank and the bank has yet to honor this charge back causing my account to continue to be negative and occur more daily fees because of it negative balance. A place an order around XXXX time with a company named, " XXXX '', the initial order was cancelled because my bank blocked and I had to verify who i was and that it was me placing this order ... i did just that and the order was approved for processing with the merchant. Now days into the order being processed with the merchant, they wanted me to verify my identity with them and i did just that sending in copies of my id, bill, proof of address. The merchant then informed they were gon na cancel the order ( I 'm lost at this point ) Days go by XXXX is approaching ... The merchant without any notification to me says my order was shipped then i get a notifcation that it was signed for. Now I dont know if they actually sent the order out but now i open a claim with both the merchant, my bank and XXXX  post/usps .... Everyone has concluded their investigation and the merchant has informed to do a chargeback with my bank .... The bank is now telling me I have to wait 29 more days and accumulate XXXX dollars a day in overdraft fees assessed daily ... ... .. this is not fair to 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 2018-01-23
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: Aargon Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw two accounts from AARGON COLLECTION AGENT with the Original creditor as XXXX XXXX XXXX XXXX XXXX XXXX  for {$380.00} and for {$430.00}. I was homeless at the time of service and asked for financial assistance.

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 2021-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was diagnosed with XXXX and spent one month in the hospital fighting for my life. My credit card payment was made as soon as I realized i was behind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage is reporting a payment as late on my credit report. In this circumstance, they do not allow 24/7 payments to be made. Therefore this payment was not 30 days late by choice, but by the fact that their system, because there was a holiday following the last day of the month, did not allow any online or phone payments to be made. This was actually due to a payment shortage of {$30.00} that prevented any part of this payment from being applied to my account, and outstanding payment. In observance of the fact that you did not have any available payments methods available to correct this shortage 24/7, we made multiple attempts to do this online but your system would fail to process it, and there were no phone representatives available, and your automated system would not take the payment either, even when trying to pay a full months payment extra to resolve a {$37.00} shortage. This payment shortage was due to you changing the mortgage payment amount twice within a 60 day period. Our escrow portion of our payment increased by {$5.00} one month, and then by {$37.00} the following month. On the next business day that your system was available to process this payment it was made in full, and the following months payment was made on the same day as well. No phone calls were made to point out the shortage in the payment that was made. The payments were on an autopay, but the increase in escrow was not notified in advance of the payment increase, and this was the first payment after the increase in payment. Also, the previous payment amount which was {$37.00} short, made on time, was not credited in the amount paid when received which was a violation. It was held in an unaccounted for account, but not applied to principal or interest or escrow etc. Also since your business had no ability to accept a payment on day 30 or 31, then the following business day that you would accept payments was when our shortage was corrected. This does not constitue a 30 day late, if there is no way to make a payment the day before the payment is late due to your business being closed for a holiday. See attached image where your system was unable to take a payment due to a holiday. Also, the following months payment could not be due on XX/XX/XXXX when that was a holiday, and your offices for also processing and receiving payments are closed with no method to post or initiate a payment. Also, our escrow account was negative due to a shortage from over 12 months prior, that they failed to average out, or to ask to be paid to put our account on pace to maintain our payment. See the statement where payment was sent in, but not applied at all to account.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Why is XXXX still appearing on my credit? This should have been totally remove. I have attached the aud control number for removal.

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 2021-03-09
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit report and I saw this negative collection item of {$930.00} for something I do not recognized from a company called ONLINE INFORMATION SERVICES the report shows the account was open XX/XX/2018 and the original creditor was XXXX XXXX XXXX  XXXX  I would like this to be permanently removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good day!

I was trying to get a approval to buy a house and I received this report on my Experian credit bureaus that I was late on XXXX XXXX  for 60 days in XX/XX/XXXX and XX/XX/XXXX month XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paidXX/XX/XXXX and XX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Experian bureaus.

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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX, and XXXX are reporting an unverifiable bankruptcy on my credit report in the amount of {$0.00}. Every time I call Transunion, XXXX, and XXXX to dispute the bankruptcy they always tell me that they verified it through the courts. I went to the louisiana bankruptcy courts to see if that was true and they insured me that it was not true. The louisiana bankruptcy clerk informed me that the courts do not verify nor validate any information to the credit bureaus. She also prepared a letter to send out to me so I could have it in writing. When I called equifax and XXXX to inform them about the incorrect information they told me. They said they verified it through pacer so I emailed pacer to see if they verified anything and pacer also respond to my email stating that they do not verify anything, I will attach the email to this complaint. After getting the email and calling the Transunion to follow up with the bankruptcy dispute the guy who answered my phone call was foreign so I couldnt understand him so I asked for the u.s special handling department. A supervisor in the u.s department took my call and told me she couldnt tell me exactly how it was verified. I informed her that she was violating the FCRA laws by keeping that information from me. She then told me they may have verified it through XXXX so after talking to her I emailed XXXX to ask them how do they verify bankruptcies. They said they verified them through the courts, i then emailed XXXX back and informed them that I had spoken to the courts and they do not verify bankruptcies. When XXXX emailed me back they did not respond directly to the message they had me to call them. Upon calling XXXX and explaining why I got in touch with them they told me that was incorrect information and that they do not have the right to verify bankruptcies. Transunion, XXXX, and XXXX have constantly lied to me about the bankruptcies and gave me false information about verifying the unverifiable bankruptcy. Transunion, XXXX, and XXXX are in direct violations of the fcra. XXXX, Transunion, and XXXX is reporting the unverifiable bankruptcy through hearsay of some sort and that is also a violation. XXXX, XXXX and Transunion can not continue to violate my rights.

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 2021-12-03
Company: Phoenix Financial Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I received a debt notice from Phoenix Financial Services for a medical bill. My underaged son was seen on XX/XX/XXXX and we never received a bill prior to receiving this debt notice. I called Phoenix Financial Services and inquired about the bill. I then called my insurance provider ( XXXX  ) and they informed me that they were never billed by the medical staff. I called Phoenix Financial back and explained to them that their client never billed my insurance and that they needed to do that, I then gave them XXXX 's address. On XX/XX/XXXX, Phoenix Financial called me back to attempt to get the debt resolved by me paying the bill, I then informed them again that their client did not file a claim with my insurance company and I was not going to pay the bill. In XXXX of XXXX, I checked my credit report and saw that Phoenix Financial just placed a collections report on it. After I provided multiple rebuttal attempts to the credit agencies to get it removed from my account, I decided to contact XXXX to see if a claim had ever been filed. XXXX informed me they a claim was indeed filed and the Medical Provider was paid on XX/XX/XXXX. XXXX sent me an Explanation Of Benefits and I provided it to the credit agencies and XXXX was the only agency to remove the collections from my account.

Company response to consumer: Closed with explanation