BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I needed money for myself and my family. Old people and sick people are inclined to believe that there are also people in our society that are ready to help. And very soon, in XX/XX/XXXX, a person who was taking care of the less fortunate, appeared and offered me financial help - a big winning check from XXXX  XXXX XXXX that could solve my problems. But there was a catch : I have to pay fees to get the check delivered. The check was going to be delivered at the beginning of XXXX, then, the end of XXXX, end of XXXX and finally it was never delivered. However, the requirement for the money I had to provide never ended. First, this individual used up the money in my Bank account, when it finished, I had to take a {$25000.00} loan from XXXX and send it to him. Because the money I provided was not enough, he took all my credit cards and charged them to the top to make " more money ''. I insisted that he had to pay his debt and return immediately the cards but he didn't return them, nor he paid what he had bought, as he promised. The only thing he did was to " open an account in my name in XXXX XXXX XXXX  '' ( Routing number XXXX, Account number : XXXX, XXXX, Iowa, XXXX ) with {$40000.00}, so that I can start paying the credit card debts ''. I used efficiently the money to pay partially the credit cards. However, the same day, on XX/XX/XXXX, the checks were returned, because the bank declined the transactions. When the credit cards were blocked by the bank, he started squeezing all my savings and XXXX XXXX  accounts until they drained. To all my complaints, the answer was that if I did not agree, he was going to donate the winning check to charity. This check is still in the air. 
He was using any mean tactic to take more and more money from me. Initially I trusted him. At the beginning of XXXX, XXXX, XXXX he or his team purchased for {$12000.00} in the country XXXX, with foreign currency, home improvement stuff ( attachment 1 ). On the next statement all the purchases were for using of restaurants, XXXX XXXX attachment 2 ), nothing was paid. The next statement XXXX shows my unsuccessful attempt to pay the balance with the false account that the scammer has created and its almost immediate cancellation. However, the purchases mainly of gasoline continued. The scammer did a small payment of {$310.00}, so that he could continue to buy more gasoline and go to more restaurants. At the end of XXXX, the balance reached {$16000.00} and continues to go up because of the fees. The fraud department of Discover declared that I had authorized the charges and wants me to pay the balance. As I have already explained : 1 ) I did not authorize the scammer to buy materials etc., stuff that I have no idea about ; 2 ) I was completely robbed and can not pay anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: JPMORGAN CHASE & CO.
State: TX
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:
I 'm Chase loyal customer since XXXX last year, and I have several credit cards from Chase, but on XXXX XXXX, I found all my credit cards were suddenly closed by Chase without any notice. I 'm also a XXXX visa holder, and when I first landed the United States, I suddenly love the travel culture of USA, and we have so many places to be visited. And the banks, hotels and airlines they support us so good service which I never had in my own country, these all make we foreigners feel better and love this country.People should live with travelling and comfortable life, not only working working and working ( this happened in my country ). After my credit history was longer, I decided to open some credit card to help me and my family to travel better, and we so I opened some product from Chase and with these credit cards we travel to many places in United States. And I do n't gave any negative marks or late payment on all my credit cards, every time they posted, I immediately make a payment, and also I keep my credit usage is less than 10 %. In order to have a nice honeymoon with my wife next year, days ago I opened a XXXX XXXX XXXX Credit card to have a golden membership, it 's approved but days later, all my Chase credit accounts were suddenly closed without any notice. Then I tried to call them, all the department said due to the bank policy, they could not tell me more. I also send them a long secure messages, but not impact. Then I called them again said due to too many account opened in the past several months, I 'm risky and they closed all of mine. I explained to them about my purse, but they did n't care, no impact again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: BANKUNITED, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We experienced water damage at our home that was covered by insurance. We filed a claim with our insurance company and were paid on the claim. As per the routine process, we submitted the claim check to BankUnited to be held pending the completion of the work. We hired a licensed contractor to complete the work and the work was performed the summer of XXXX. 

Mid way through the project, we requested payment for our contractor. We provided evidence that work had been performed, including conditional lien releases. Despite confirming BankUnited had all the necessary documentation and repeated follow ups, BankUnited did not send payment in a timely manner. We followed up on the payment on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. A check was finally sent to us in mid XXXX. 

Work was completed in the end of XXXX and we requested the final payment to our contractor. BankUnited performed an inspection of our property to confirm the work was completed. We also submitted all the necessary documentation to evidence that the work had been performed by the contractor, including conditional lien releases. 

We did not receive a check for our contractor in a timely manner. As a result, to prevent a lien from being placed on our home, we personally paid the contractor. After making the payment to our contractor, we contacted BankUnited to have the funds disbursed to us. BankUnited asked for documentation evidencing that the payment had been made. BankUnited also contacted our contractor to confirm payment had been made and he confirmed the same. In response to BankUnited 's request, we provided the evidence of final payment in XXXX. BankUnited didn't release the funds in a timely manner. 

Thereafter, we followed up repeatedly from XX/XX/XXXX - XX/XX/XXXX. We left dozens of messages with BankUnited 's insurance department ( specifically, XXXX XXXX XXXX ) and never received a call back. We also resubmitted evidence of the final payment on several occasions, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. BankUnited has yet to release the funds ( totaling over {$17000.00} ). On my last call to BankUnited I was told that servicing for our loan had been transferred to XXXX XXXX XXXX effective XX/XX/XXXX and that I would need to deal with XXXX on the issue. 

I am confident that BankUnited has been earning interest on my money over the period. Certainly, for this reason, the delays are in BankUnited 's favor - probably a systemic problem for the bank 's benefit. This company should not be allowed to service loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RBC , Inc has been attempting to collect a debt that is not mine. I have sent previous mail back. The debt is for XXXX XXXXXXXX XXXX  XXXX. I have never been a patient of or received services from XXXX XXXXXXXX XXXX XXXX. The amount owed is stated as {$160.00}. Their contact phone number is XXXX. I am attaching a copy of the latest debt collection attempt that was sent to me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or 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 2018-01-16
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Debt for home repair on revolving line was recently transferred to XXXX XXXX. We pay monthly payments on the first of every month. When transfered XXXX XXXX ( the new servicer ) was recognizing payments paid on first of month for the previous month and counting the next payment late. We have documented to them in multiple conversations this payment schedule. We 've spoken with them multiple times over the past couple months. The Servicer is XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my services with XXXX XXXX back in XXXX of XXXX. I paid the final amount of {$130.00} on XXXX. This payment was to clear up any balances owed and I then returned all equipment to a XXXX location nearest to me. Having closed the account back in XXXX XXXX I was dinged on my credit by XXXX XXXX on XXXX XXXX, XXXX, over one year later. No phone call by XXXX to explain the matter or reason for this new charge because once I dropped off the devices the employee told me my account was officially closed. I now have a {$110.00} balance owed to XXXX XXXX, a credit collecting agency, for a balance that I knew nothing about.

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 2022-01-11
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX, consumer, natural person and original creditor of an open end credit plan. I received a copy of my consumer credit report and I am now aware of some negative payment history that is being furnished without my written consent. Pursing to the FCRA 15 USC 1681b ( a ) ( 2 ) you may not furnish a consumer report without the written consent to report anything on my consumer report. No consent is identity theft. However, under 15 USC 1681a ( 2 ) ( i ) Exclusions from a consumer report include information solely as to transactions or experiences between the consumer. By law you can not furnish transaction history. Transactions are late payments, this needs to be removed now. According to 15 U.S. Code 1681 ( a ) ( 4 ). The information being reported is false, misleading and fraud. All in which so has caused many damages over time. Pursing to the FCRA15 USC 1692d a debt collector may not engage in the use of criminal means to harm the physical person consumer or my reputation. These late payments are damaging my reputation. They have also caused me great harm, mentally and physically. Pursing to 15 USC 1692e ( 2 ) ( a ) a debt collector may not use the false representation of the character of a consumer. Late payments are character damaging. It states you cant report the character of any debt meaning its in my character to pay late based on my consumer report. This is tarnishing my character. I am demanding that you remove every late payment. According to 15 USC 1681a ( q ) ( 3 ), identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. The term " Person '' in this section 15 USC 1681a ( b ) means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. In this case this corporation ( Experian ) is in violation. This is identity theft and as a result, the late payments must be removed and blocked from my file.To conclude, under 15 USC 1681c you must block any information in my file from an alleged identity theft, no later than 4 business days after the date I provide the details to you.

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 2019-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 a withdrawal of {$600.00} was made to my checking account. The withdrawal happened at the Chase bank at XXXX XXXX XXXX XXXX, XXXX, CA. According to the Chase representative, that withdrawal happened around XXXX XXXX that day. I was notified of this while I was with my brother in XXXX. He and I have a joint bank account. I made a claim with Chase letting them know I was not even in XXXX at the time and that I did in fact have my card with me. I cancelled my card in that same call I made for the claim. I was there with my brother for a convention and just spent the rest of the day there until almost midnight since the morning. So they finally contact me again about the claim asking me the same questions they did when I first made the claim. I can't remember every question nor the exact wording but it was along the lines of this. How much was the disputed amount? Did I have the card with me? Did I authorize anyone else to use the card? And I answered it the same. It was for {$600.00}, I did have the card with me, and I did not authorize anyone else to use the card. Next time I hear about the claim all it was was a letter saying that {$600.00} ATM withdrawal on XX/XX/XXXX was authorized and the claim has been closed. So I called them to ask what can be done. They told me to submit documents proving I was there. I submitted the two tickets my brother and I bought, the schedule for convention, and the bank statement that showed the account was charged at a XXXX XXXX in XXXX. I submitted these to reopen the claim and then received the same letter saying the claim was closed as the transaction was authorized. From all the documents I submitted not one had my name on it, only my brother 's name and his card being used not mine. My E-mail was used for the receipt of the two tickets but that was not good enough for their investigation to prove I was there. Now they say the claim will remain closed unless I can submit new documents or information proving I was there or file a police report so they can review the footage of that transaction at the bank. I attached a picture showing a scheduled dance for XXXX the event I was in XXXX for. As well as a video of the dance itself. Another example that I was there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Tried to link my account to use the funds in it on today XX/XX/2017, and the bank Capital One is blocking my access to my money in the bank, I sent a message to the bank today, I tried to call them today, but the call did not go through to the telephone number provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
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: Old information reappears or never goes away

Complaint:
Despite my better efforts the original creditor has yet to be displayed on My credit report and the account still shows the opening date is 2014 more than 7 years ago. According to FCRA rules it's no secret that that should not exist there nor is it valid I'll add or verify above without the original credit.

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 2018-01-16
Company: Experian Information Solutions Inc.
State: MI
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:
Experian is reporting erroneous information on my credit report. The collect account is from XXXX XXXX. The credit report is saying that the account opened on XX/XX/2015. The original debt is from XXXX University. I have the collection letter from XXXX University and the account did not go into collections on the date that XXXX XXXX is reporting. The amount of the debt is not the same as XXXX XXXX is reporting. I have had this account removed from the other two credit bureaus but experian is refusing to remove this erroneous 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 explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). In Accordance to Fair Credit Reporting Act XXXX this accounts bellow have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-01-11
Company: I.C. System, Inc.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
'I C System ' is trying to collect a debt of {$300.00} on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX - Debt has been in the collection for almost XXXX years. I was unaware that the collection was in place ( no notification via mail, email, or phone ) and was actively ruining my credit. XX/XX/XXXX, I received a call from an investigator running a background check regarding this financial debt delinquency ( First notification about this debt ). I immediately called XXXX XXXX and XXXX and they confirmed that the account is paid in full and closed since XX/XX/XXXX. I called I C System multiple times trying to figure out what was going on and whether they had any documents proving their right to collect a debt. I C Sytems repeatedly hung up the phone on 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 2022-08-14
Company: EQUIFAX, INC.
State: AZ
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:
There is an account that is closed and reporting late on my credit report. I have never been late on this account and a closed account can't report a late payment. I have disputed this information and the bureaus refuse to remove it. 

XXXX XXXX reported a late payment for 60-89 days in XXXX but this account was paid off in XXXX and wasn't late in XXXX, XXXX, or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief