BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon my divorce I refinanced my mortgage through Wells Fargo. The payments continued to rise. I recently spoke with a HUD representative who upon review of my documents says it appeared by loan has not been modified under the gov. program. Its was supposed to be an FHA loan. In looking I see that there are many of unsatisfied and even a lawsuit against Wells Fargo for how they processed loans to home owners and not following regulations.

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 2018-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I use Chase bill pay to pay my regular bills. On XX/XX/18 I paid my trash company the monthly invoiced amount of {$120.00}. On XX/XX/18 someone at Chase bank changed the vendor name and address without my knowledge or consent and mailed the check to this erroneous vendor. The vendor is not related to my vendor and I had to pay the amount again to the correct vendor.

When I contacted the bank they said they were contacted by the new vendor and changed the information based on " valid documentation '' and that they do this regularly. They said they can not provide me with that documentation because it is confidential. I received no notice or confirmation of the change by the bank of vendor information in my personal online profile. The change is NOT valid and the real vendor is not aware of why they would have made this change, and required me to pay the bill in full again.

Chase said they would investigate to see if the correct vendor was paid - when asked they said that means if the vendor name on the check is the vendor that cashed the check. That doesn't help me! The vendor name is wrong, I did not make that change they did, and now I am just out {$120.00}? I guess I can't trust Chase bill pay any longer?

I also contacted their online banking division who said they will get back to me, but it did not sound like I will ever get a satisfactory answer to this issue, nor any assurance that it will not happen again. Is that legal for them to change my vendor information without telling me???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
JPMORGAN CHASE CREDIT CARDs Bad Business Practice - Price Gouging evening during the worst of time! 
Lost job and spent 2 hrs on the phone attempting to renegotiate old debt into a sustainable pmt by reducing % & min pmt amount. Finally got a hold of their hardship dept to work out a new pmt plan. According to their program, avg interest rates are LOWERED between 6-12 %. BUT due to the fact that I lost my job, they offered NO REDUCTION IN EITHER INTEREST RATE OR MIN PMT DUE. But they did transfer me to XXXX XXXX, stating that this is the " ONLY '' debt company they work with to reduce the interest rate to 6 %. XXXX XXXX was more than willing to take on my debt at 6 % but adding another {$1000.00} of fees to my debt amount. Considering this unprecedented challenge that we're trying to survive, I feel it's in everyone 's best interests to record an official complaint about JPMORGAN CHASE bad business practices & unwillingness to lower my interest rate to a more sustainable pmt structure. Steer clear of all their fancy marketing promotions & free miles - which I never received by the way. I've literally paid more in interest to JPMORGAN CHASE than the amount of the original debt, over the past 10+ years and still owe them almost {$10000.00}. I haven't used either card in almost as long. I'll be dead before this amount is ever paid off. Can someone with AUTHORIZATION to assist this dire uncooperative situation please work with me to reduce % rate so that pmt amount applies to principle, without adding more debt? Thank you for your immediate attention to this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Lentegrity Management, LLC
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: Information belongs to someone else

Complaint:
I have seen unauthorized items on my credit report that I did not authorize this is a form of identity theft someone is applying for things in my name can you please resolve this issue. 
XXXX XXXX XXXX XXXXXX/XX/2020 LENTEGRITY XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently received a debt collection from Weltman, Weinberg & Reis Co. LPA  concerning a XXXXXXXX XXXX debt This debt does not belong to me & likely the result of ID Theft. I contacted the law firm that represents our family and was informed to : File an ID Theft complaint through the FTC ; I have ( see attached ) Place a security Alert : Which I have through XXXX Request a copy of my current credit report : I have and currently waiting for it. 
Take meticulous notes & Create a file To make sure all communications are written via email, letters etc ... 
Request full disclosure of this debt which may help myself and/or law enforcement Therefore, I am formally disputing this debt as mine and requesting any and all information including the original application, recordings, emails, notes, anything else connected to this alleged debt. from XXXX XXXX * A copy of all attachments has also been mailed out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: ID Analytics, Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have exhausted every way of communication with this company SageStream , LLC Consumer Office. I have tried everything for them to freeze ALL my reports including the distribution of my information to anyone without my permission or consent, and no response have been received from the fax I sent some days ago. Every time I call this company the phone lines are " busy '' even at non business hours which is an abuse from them because they handle so much sensitive information that I would want them to stop sending around. I really hope that the CFPB put an end to this company abuse on the people. They just don't care about us I can not believe that my dad a XXXX XXXX veteran fought for this ignorant companies to keep killing us from within. We say terrorist are criminals think again these credit companies are the real terrorist by holding hostage your information and affecting lives in the long term by not letting people progress financially. Now going back to my request I would also want this awful company to send me a full report of ALL the information they got on me including everything bonded with my social security, address, phone number, bank accounts information, public records I say again EVERYTHING THAT CAN BE CALLED INFORMATION and is bounded to me as a person I want to be sent to me. Also, I would want a copy of all the information they sent regarding me to other companies since XX/XX/XXXX, and a full disclosure of where they got this information when they got it and how they got it. And I expect all that to be done within 30 days starting this XX/XX/XXXX because Im taking this company to small claims court soon. Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX sold a debt to Midland Credit that was not mine. This account was made fraudulently to my knowledge. I never opened an account with XXXX XXXX nor did I make any payments on any XXXX XXXX account with my bank account as they tried to claim. In XX/XX/2023 I requested statements to verify said account and I was informed by XXXX XXXX that they could no longer provide me with that information since the account was already sold to the debt collector. They began to garnish my checks at work in XX/XX/2023 regardless of my attempts to prove that the account was made through Identity Theft. It was a total of over XXXX that was ultimately collected by Midland Credit. The only information they gave me was that the address linked to the XXXX XXXX account was in XXXX, CA. I have never resided in XXXX, CA. I have resided and still reside in the same location for 23 years. I tried to explain that to them and let them know that I had been a victim of Identity Theft in the past. I am sending this complaint as a last resort to have this issue looked into as I am positive that I was not the Individual who opened an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Harvard Collections, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for  {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their "  manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The credit card processor account offerred by the banks to accept credit cards, has a blacklist called MATCH which unfairly prevents individuals and small businesses from accepting credit cards. The banks use this list ban anyone for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company changes {$5.00} to make a mortgage payment by phone or through their website. You flat you have to pay {$5.00} each time you want to make a payment, costing consumers unnecessarily if they want to pay their mortgage down early. This should be illegal. Ive had 3 or 4 mortgage companies over my life and have never been charged a fee to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have been reaching out to the credit bureaus in regards to my credit report since XXXX. They have not responded to any of my disputes. I have sent mail and faxes. They continue to ignore my requests.

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 2018-02-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have filed 2 complaints with CFPB against Hunter Warfield for incorrectly reporting a debt on my credit report that is listed in someone else 's name. XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The company responded on XX/XX/XXXX, by providing documents to support their claim, however they are someone else 's documents. They supplied a copy of a lease with someone else 's name on it and shows an address that I have never resided. The lease provided by Hunter Warfield has a digital signature on it so I feel anyone could have made this up. The lease provided has a lease term date of XX/XX/XXXX so I have also attached a copy of my current lease that I signed with XXXX XXXX on XX/XX/XXXX, it's not possible that I had 2 separate leases with 2 different companies during the same time frame. Today I have filed a lawsuit with an attorney that works with the XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/XXXX I applied for the American Express Platinum Card. For months, I would go to the Amex website and run their promotion tool to see if I would be able to get the XXXX signup bonus. This was a promotion that was offered to me in XX/XX/XXXX but I went with the Amex Everyday card instead. When I finally saw the XXXX signup bonus - I took it. On Friday XX/XX/XXXX I called Amex to see how much I had left to hit XXXX of spend to qualify for the signup bonus. It was than that I found out that I was being refused the XXXX signup bonus. The rep could not find any reason for the denial the made sense. I never had the platinum card in the past. I only had two Amex cards and they were still open and in good standing. He promised me that he would escalate this to their customer care team and follow up with me. He also told me to spend the money to hit the signup bonus so that they would have a reason to say no. He said he would follow up me and I did as he instructed. I called Amex on Thursday XX/XX/XXXX to follow up on the escalation and found out that it was never sent. The customer service rep lied to me. The next rep said that they would escalate it and transferred me to her manager where I left a message and asked him to pull the call from Friday and to please follow up with me. That never happened. On XX/XX/XXXX I called Amex again to get an update where I spoke with someone named XXXX. This individual lied to me several times. 1st she told me I was denied the signup bonus because I had the card in the past. When I told her I did not she placed me on hold for several min and then came back and told me I was denied by the marketing dept on XX/XX/XXXX and that they send me a letter. I told her I open all my mail and would have noticed that. She placed me on hold for another several min and then told me no correspondence was sent to me. Then she told me the offer was denied by their legal dept and that they did not have to notify me of their decision per their terms and conditions. What American Express did to me is the epitome deceptive business practice. The targeted me with a promotion and approved me for a card. Then they change recall the promotion without notifying me. They then profit by accepting my {$550.00} annual fee, merchant fees and me charging thousands of dollars because of their lack of transparency. Then when I find out about their unfair and manipulative business practice - I am repeatedly lied too and they hide behind their vague and ambiguous terms that they can deny a bonus for any reason and that they do not have to inform of tell you of that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After doing several disputes with Experian. I am still not getting the investigation that I asked for. By Experian not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to Experian asking for validation. The information was completely ignored by Experian. My Address is not XXXX XXXX XXXX. I ask that Experian do a complete investigation before reporting false information.

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 2020-08-20
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: EQUIFAX, INC.
State: WI
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: Problem getting your free annual credit report

Complaint:
On XX/XX/2018 I called XXXX to request my 3 credit reports. I was told it would take 15 days to receive them. The last 2 years I haven't received my report from Equifax. Last year I called them, explained I didn't receive it, was told they'd send it. Nothing. I called again, still got nothing. Here we are this year and I have my report from XXXX and XXXX, but no Equifax. Clearly they ignore the requests.

Company response to consumer: Closed with non-monetary relief