BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-01
Company: V and H Portfolio
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had my XXXX and XXXX accounts consolidated with XXXX. XXXX is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
State: OH
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:
I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX**, XXXX  # XXXX****, XXXX XXXX XXXX XXXX # XXXX**.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I left school in XX/XX/XXXX. I had been diagnosed with a XXXX XXXX, XXXX and attened for as long as I physically could. Navient has been reporting inaccurate derogatory late payments on my account. I have made several unsuccessful attempts with various agents to get these late payments removed as they are not accurate. I have stayed on top of my forbearances and deferments as I can not afford the stress or the pressure of having to deal with possible late payments or going into default. 

The dates that Navient has reported inaccurately are : XXXX ( XXXX, XXXX and XXXX ) XXXX ( XXXX ) XXXX ( XXXX, XXXX, XXXX, XXXX and XXXX ) XXXX ( XXXX, XXXX and XXXX ) Forbearances and deferments should be for at least a 12 month period and a 6 month grace period after leaving school. In XX/XX/XXXX after leaving school I still should not have been given a late fee until XXXX, although that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2018 I received a vmail from XXXX XXXX ... she left all types of information on my voicemail the voicemail was stated as " XXXX XXXX my name is XXXX XXXX XXXX XXXX contacting you in reference to your pending case being filed. By Law I have to make you aware that once case XXXX is filed it will become a matter of public record and there is an order of location issued for you. Since I was unable to reach you by telephone. I was instructed to contact the employer and speak with the supervisor as it looks like this is now a place of location to bill your negligence on your end on this case. Now you do have the legal right to contact the filing party that is responsible for handling your case with any questions. However XXXX please be advised once the case is discharged from their office all rights are to be forfeited the phone number listed on your paperwork to contact their office with any questions is XXXX XXXX XXXX you have been legally notified by telephone and i will have you located unless I am told otherwise. Good Luck. '' You cant contact people like this and what if that wasnt my voicemail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX, XXXX and XXXX 2019. I have recently used my ATM card make withdrawals in a foreign country. I accept the fee charges from the foreign country banking institution, and an additional $XXXX fee from my bank. I noticed in the months mentioned I being charged an additional $XXXX  or $XXXX service fee. I contacted my bank to inquire about the addituonal fee being charged To my surprise I am being charged an exchange rate fee. To clarify, whenever I use an ATM in a foreign country I will be charged this fee. Additionally if I make a purchase using my ATM card I get charged for conversion to US dollars. In otherwords, I cannot use my ATM card in a foreign country unless I pay whatever additional exchange rate fee they want to charge my account, plus a fee for conversion from foreign money to US dollars (conversion is automatically done by the computer), if I make a purchase and use my card for payment. Regardless if it was paid as a debit or a credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
on XX/XX/2023, i went to the XXXX gas station and used my Discover credit card to get some gas for my car I believe I left the card out on the counter of gas station or fell out from my pocket. on XX/XX/XXXX I went to my discover app to pay my monthly payment and I discovered there were lots of charges over XXXX dollars of unauthorized charges on my discover credit card. so, I went to call discover and were looking for my card and i couldn't find my card. so, I immediately contacted Discover where i found the number from internet and i spoked to customer service and i told them what exactly happened and they asked me if i have my card which i told them no, they asked me if the charges were mine and i told them no and they said they will remove charged for me and closed the account and send me a new card. I asked the customer service at that time if i need to file a police report and she told me no i don't need it. This Sunday i looked out on my statement to pay my card and realized all the charges are back on the card. I decided to file a complaint to local authorities that's what brought me here today. Please help me with this stressful situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: Collection Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2021 I received a letter from Collection Resources , Inc in XXXX XXXX, New Mexico for a Medical bill. The amount was for {$730.00}. The amount of the bill sent to this collection agency was only for {$720.00}. On XX/XX/2021 I wrote and mailed a dispute letter to the above company informing them that these additional fees violate the Fair Debt Collection Practices Act and that this inflated amount is not allowed. This letter was sent via USPS signature required and was received by Collection Resources, Inc on XX/XX/2021 at XXXX Mountain Time and signed for by C. Resources. On XX/XX/2021 I received a letter from the above company with an inclosed itemized statement from the hospital stating that the debt owed was {$720.00}. On XX/XX/2021 at XXXX Mountain Time I called Collection Resources, Inc and spoke to XXXX XXXX about the account. Per XXXX the amount now owed on the account is {$740.00} due to taxes that were added to the original debt. I advised that this is why I was disputing the account and asked for something on their company 's letterhead stating that these taxes were valid and not in violation of the Fair Debt Collection Practices Act. XXXX then transferred me to her supervisor XXXX. XXXX stated that they are going by the New Mexico law that allows additional fees to be added to collection accounts. I asked XXXX to please provide me with this law information or a letter on their letterhead explaining that this law supersedes the federal Fair Debt Collection Practices Act. XXXX stated that she did not have anything like that and that she could not provide me with anything like this.I advised her that until I obtained proof that New Mexico collection laws supersede the federal FDCPA from their office on their letterhead that I would be unable to pay this bill and that I would continue to dispute it per the violation of the FDCPA sections that state that collectors can not misrepresent the amount owed and can not charge additional fees. She stated that she would notate the account and the fees would continue to accrue. That is when I contacted the FTC and was referred to the CFPB to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
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:
XXXX account # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates!!

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 2018-11-16
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid off the account in full in the amount of {$720.00}. The collector told me they are able to remove the account from my credit report but they wont because theyre not required. I spoke to XXXX XXXX at Medical Data Systems and she is the one who told me this. I have a letter stating the XXXX balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: EQUIFAX, INC.
State: VA
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 submitted a dispute for a {$120.00} medical collection that was paid by insurance in 2015. I provided proof of payment that I received from the creditor. The creditor informed me that they do not know why this is showing on my credit report as it was paid by insurance in 2015 and consider the matter closed. Equifax verified that the item was correct somehow. They could not have given that the creditor provided me proof and says that it is not something i owe. Equifax did NOT properly investigate this item, they did NOT contact the collection agency or creditor as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged an annual fee on my credit card. 
Within 30 days I changed the card to a no annual fee. 
They refused to credit the annual. 
This is totally wrong. how can they charge me an annual fee for a service that I dont have?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Kia Motor Finance Company is not allocating the correct interest to the principal. There has been numerous contacts made to Kia to fix this and they have yet to fix the error. Each rep that has been spoken to has acknowledged the error, to include supervisors and stated to wait '3-5 days for corrections ' and each time nothing has been corrected. Spoke with XXXX on XXXX XXXX to ask why the fees hadn't ever been calculated correctly and she stated because 'you will have to pay {$2500.00} a month for any of the payment to go towards the interest. ' Of course we knew this was wrong but for her to say it more than once, we decided to check our contract -which we can not locate on the web nor received-and call back. At this time, we had begun to make payments ( over-payments ) weekly at the time but the interest rates were not correct nor was the principal going down. Spoke with XXXX on XXXX XXXX who also saw the discrepancy ( to include giving us the interest rate XXXX and stated she was escalating the case and it would take XXXX days. No changes were made. On XXXX XXXX, spoke with XXXX who also stated she saw the discrepancy and stated she would escalate it and to give them 3-5 days. No changes were made. XXXX XXXX called back spoke with XXXX who claimed that he was looking into it, hung up but never called back although he asked at the beginning of the call for the call back number in the event we were disconnected. Called right back and spoke to XXXX who also saw the discrepancy. She escalated it to supervisor XXXX who also saw the discrepancy and he stated the same as the others, he would escalate it but only he said to the supervisor of the department and allow the 3-5 days. The supervisor was informed that a change needed to be made or we were going to take further action to include possible class action. No changes have been made as of yet. This is absurd! If they are doing this to us I'm sure they are doing this to millions of their 'consumers ' This is not only robbing us blind, it is effecting our credit scores by showing higher balance due which is not the case. Also, with this being said, the current interest is not only not calculated correct, it should be lower by now. This has to be stopped! They need to be investigated.

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 2020-06-02
Company: West Law Group, PLLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a payday loan in XX/XX/XXXX for XXXX. I received a default judgment on this loan in XX/XX/XXXX for XXXX. I was not notified of a prior court date or given a chance to object or settle this debt. I contacted the third party ( attorney ) who allowed me to make a payment arrangement on this debt. I paid a total of XXXX on this debt. I then fell behind on my payments due to absence of work. The attorney then filed an order in court for me to turnover after judgment with out crediting the money previously paid. The attorney also refunded one payment in the amount of XXXX to block me from paying off my debt. This attorney has used bullying, unfair and unethical tactics to get me to pay significantly more than what is owed. I feel hopeless and helpless. 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

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

Company 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 2020-07-28
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I checked my credit report due to the fact that I was trying to get a vehicle loan. And then there is an inquiry on there I do not recognize neither does the dealership that I bought from.

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 2020-12-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed the refinancing from XXXX XXXX and XXXX XXXX XXXX ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to Chase on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the XXXX XXXX XXXX representative failed to wire the funds until XX/XX/2020. Further the Chase payment shows that the actual payment made to Chase bank was $ {$340000.00}. This means that XXXX XXXX XXXX still holding the our balance of {$65000.00}. 
I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. In addition XXXX XXXX XXXX failed to respond to my email letters too as of this day. 
Failure to return the the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. 
Nobody seems to respond to my telephone calls and not even my email letters. 
I am NOT sure if they just want to pocket this escrow money. 
I hope you may be able to take the appropriate action about such unethical & illegal practices of XXXX XXXX XXXXs which is also Title company. 
I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for you help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: JPMORGAN CHASE & CO.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud wire transfer from our checking account to a fraud account. We did not do the wire XXXX : XXXX The wire is still pending and can be stopped and refunded by CHASE immediately. We disappointed to see a live wire fraud happening and the bank is unable to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for relief through the XXXX XXXX XXXXXXXX program in the amount of XXXX. These funds have not been applied to my account. We had two active applications for assistance opened with the XXXX XXXX XXXXXXXX XXXX. The first is application ID XXXX was approved in the amount of XXXX. Cross Country Mortgage let the Mortgage relief program know that they received the payment of XXXX and applied to our loan, but they have not applied these funds. Cross country Mortgage has stated they sent the funds back to the Mortgage Relief Program on XX/XX/23 and closed out our Loss Mitigation file. As of XX/XX/23 the Mortgage Relief Program states they have not received back the funds. The second application ID XXXX was in the amount of XXXX and was denied by MRP because it is for the secondary loan on our account and did not meet the approval criteria and would have put our total relief amount over the {$80000.00} cap for assistance through the Mortgage relief program. This information is also incorrect and Im not sure why it was denied. Cross Country Mortgage has now also taken us out of loss mitigation, and we currently have a collections department calling and harassing us daily. 
Cross Country Mortgage needs to re-open our loss mitigation file and contact the Mortgage relief program with this information to make our account current and request the funds through the Mortgage relief programs portal. We still need the XXXX that we were approved for through application ID XXXX to be applied to our loan. 

Both companies are stating the other is to blame, meanwhile, I could lose my house to foreclosure. I have done everything in my power to contact both companies and resolve without resolution. I would like this situation escalated and to be contacted for resolution.

Company response to consumer: Closed with explanation