BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX XXXX to purchase baseball tickets for {$150.00} from an individual on X/XX/17 and did not receive the tickets. I used a Chase debit card. I reported the fraud/scam immediately to  Chase and the charges were initially intercepted and dropped but reappeared a couple hours later and I filed a dispute and was given a temporary credit for {$150.00} but claims dept informed me they are reversing the credit after their investigation, stating that XXXX XXXX denies liability and provided a " service ''. Yes they took my money and gave it to someone else, but I never received the goods promised. I attempted to request a refund from the individual but they denied my requests. Chase should honor their fraud protection guarantee and provide me with the refund as I reported it immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-04
Company: Berlin-Wheeler, Inc. (Kansas)
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Berlin Wheeler has been claiming I owe them money for an account that is not mine. Someone had an account and used enough of my info to have company think I owe them money. This started in XXXX. I worked with XXXX  who attempted to solve the problem. Berlin Wheeler is not listening to XXXX  XXXX from XXXX  case report XXXXThe information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. ) My credit score has dropped by almost 100 points. They are strong arming me to pay a debt that is not mine. I at at a loss.

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 2020-12-11
Company: JPMORGAN CHASE & CO.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On two occasions a person used my Chase Bank credit card number to make online purchases. XXXX XXXX {$1900.00} was charged to my card ending in XXXX at XXXX XXXX store number XXXX, XXXX County Texas. On XXXX XXXX a charge on the same card for the amount of {$1800.00}. I found out about this around The third week in XX/XX/2020 when I logged in to Chase bank to make my Auto loan payment and noticed the charges on my card. I notified the Chase fraud department and the canceled the card and removed the charges. Two weeks later they sent me a new card and put the charges back on the new card. I have spoken to them well over a dozen times and never get an answer as to why. I have spoken to both of the stores and obtained documents from both of them detailing who the person was who picked up the items at both the stores, his name, email address and phone number. I have provided all this to Chase as well as the police report number I filed for Identity theft with XXXX county Texas Sheriff 's department. I have asked Chase several times what they have learned from XXXX XXXX and the answer is nothing. Chase says that I should get a statement from XXXX XXXX saying the charges were fraudulent. Home depot says they will do that but Chase has to request it not me. I am stuck between two huge corporations that wont lift a finger to help me and now my credit will be ruined because of it. Chase simply is not investigating this matter, they have never contacted XXXX XXXX. How can someone charge almost {$4000.00} to a credit card, give a different name than what is on the card and never once get asked for identification? I am attaching two documents I obtained from XXXX XXXX please pay attention to the name given at the store, his telephone number and the fact that XXXX XXXX emailed this person telling them that his order was ready for pick up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
State: WI
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:
I am an authorized user on my deceased friends XXXX XXXX  credit card. I called several times and sent in their required death certificate. I was told it has been taken care of several times. They REFUSE to remove the XXXX dollars owed from my Experian credit report. Experian will do nothing to help. I am. XXXX XXXX  XXXX and financially destitute and can not afford a lawyer. They LIED to me repeatedly.

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 2020-05-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very frustrated. My mortgage company ( PennyMac USA ) offered the CARES Act mortgage forbearance when all the COVID-19 craziness happened. We were overwhelmed, stressed, scared and thought this was simply a kind hearted gesture to give relief during these unprecedented times. 

I missed one payment ( XXXX ) under this plan. I received an email that stated when I came out of forbearance that this one payment would simply be automatically added to the end of my loan. I called to verify and was assured that yes, that would be what would automatically happen with no negative impact to me. 

I called today to make the XXXX payment and let PennyMac know all payments would now be made and that the XXXX payment was the only one needing to be added to the end of the loan. 

I spent over 30 minutes on the phone with a representative who told me that I would owe over {$3000.00} in XXXX ... my monthly payment is {$1300.00}. I immediately questioned this as this went against what I was told. She then told me I had to set up a payment plan. She told me I have to pay my regular {$1300.00} payment PLUS {$1900.00} for XXXX, XXXX, XXXX, XXXX and XXXX How does a missed {$1300.00} payment equal {$9500.00} ( {$1900.00} for 5 months )??? 

I again stated what I was told about PennyMac automatically adding the ONE missed payment to the end of my loan. 

She said a Loss Mitigation Agent now needs to contact me. 

So now I am INCREDIBLY stressed ... feeling like I NEVER should have accepted this offer of help because it is now so NOT going to help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was scammed by XXXX XXXX. He/she told me that they will sell me their XXXX  account for {$100.00} through XXXX. Upon receiving the money, they never replied. I never received anything in return. They quit communicating with me, once they got the money. 

XXXX XXXX told me to write in the description of the transaction " selling account to XXXX  '' so if I was to scammed by him, I will show that as a proof. But upon calling XXXX, I was told by them to contact my bank as I used my bank account and routing number, which is the XXXX  XXXX XXXX. I use my bank account for most transactions to reduce the charging fees. Using debit/credit charges extra fees. I called my bank and they offered me temporary credit until they further investigated into this matter. But last week, I was told by my bank that they can't help me and they'll be taking back that money as they found out that I did authorize the transaction. I already did tell my bank before the investigation that I authorized the payment so I can get what I paid for by the seller. Which I never got anything in return and was scammed. Also, my bank told me they tried to contact jade menage 's bank and never got any feedback so they gave up on the investigation so it wasn't a successful one. 

Now a little about me, I'm a XXXX XXXX seeking XXXX  in XXXX  at XXXX, that recently XXXX  with an XXXX  with XXXX XXXX and XXXX  from XXXX, XXXX, also I'm an XXXX XXXX XXXX, as a civilian I'm XXXX  on opening XXXX XXXX soon as a XXXX XXXX XXXX. So, now you can see I'm a highly motivating individual that not only is ambitious but also likes to help the community by giving something back. I want to become a XXXX  and XXXX XXXX  XXXX XXXX. I also like working out and stay fit, can't wait to start XXXX XXXX XXXX once the COVID-19 is over. I joined XXXX XXXX XXXX last year at XXXX  years of age, making me the oldest person in my XXXX. I was also one of the people with the highest PT score in my XXXX  regardless of my age, I was competing with these XXXX year olds in anything competitive. 

Meanwhile, people like XXXX XXXX are making a living by scamming people and not working hard. Based on his bank account, he's from XXXX since I can see his payment was converted into XXXX dollars. He has not replied to any of messages once he scammed me. 

I want to walk the extra mile and solve this issue. I want to prove that doing the right thing shouldn't be a problem. I'm going to attach all the convo and transaction pictures to give you a visual as to what really happened. So you see both sides of the story.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: OSG Group Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Yes. Debt Management Partners : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX owns a debt I occurred through XXXX XXXX XXXX They never once sent a debt validation letter Back in the fall  of XXXX  I received threatening calls for a debt collection agency called XXXX saying I was going to be served papers for a debt owed and that I was being sued by a law firm that agency since closed and was using illegal tactics to collect a date They were abusive and broke the FDCPA I am filing a formal complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am a long time Capital One customer and used to consider them my preferred bank. 

Recently, I started a new company and because of my prior satisfaction with Capital One I decided that they would be my primary bank. I applied for a Small Business Checking Account on XX/XX/XXXX. After some time they came back to me requesting further information about my business which I promptly provided.
I did n't hear back from Capital One until XX/XX/XXXX ( violating their own 5-7 day policy ) later at which time they told me my new account would be shut down if I did n't respond within 2 weeks time. What new account? I never signed any documentation? I never received any of the required documents to open a new bank account? While this is clearly frustrating and a breach of trust if not the law ( opening an account under a business 's name without their approval ). That is not why I am writing. 

While my account was apparently being setup without my approval, Capital One proceeded to switch my personal credit card account contact information to match that of the business account for which I was applying. This meant that all of my credit card statements and personal information were shared with my business account which is publicly available to my coworkers. Capital One, without my consent, shared my personal financial information with people who had no consent or credentials to receive it. 

It 's a gross violation of my trust and my rights as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions 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:
Experian, XXXX  and XXXX are reporting incorrect information regarding the following dispute : 1 ) Bankruptcy ( XXXX ) failed to report the correct claim and liability amount. See attached report from Experian. 

2 ) XXXX XXXX ( XXXX ) failed to report the correct balance and has never been late 3 ) All of the XXXX/XXXX XXXX ACCOUNT was paid in full and never late.

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 2017-09-16
Company: ALLY FINANCIAL INC.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I bought the vehicle in XX/XX/XXXX, possibly XX/XX/XXXX. Within 60 days of purchasing it the engine stopped and the dealership had to install a used engine in its place since they said it " blew up '' and was not fixable. From that point I had mechanical problems with the car consistently over the next 3 years which caused me to get behind on the payments. The company ( Ally ) worked with me I thought but after all, I realize recently that every payment that I skipped has added at least a year to the payments. I have tried to discuss what options I have concerning the loan and repossession and I have never received the information I asked for. I have stopped making the payment for 2 months and feel that they should reposses the vehicle and not charge me anymore. I have paid somewhere near {$10000.00} to Ally and have spent approximately {$4000.00} to keep the car running. I do not make a lot of money and I am a single mother. I just want to wash my hands of this vehicle and not have to pay Ally anymore at rate of 17 % interest. Before my husband left in XX/XX/XXXX I agreed to filing bankruptcy to please him which is why my credit was bad at that time. Please help 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 2023-09-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-14
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: Information belongs to someone else

Complaint:
Hello : XXXX XXXX  keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. Equifax is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my Equifax report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my Equifax credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
There are a few accounts on my credit report that are not mine. My mother and I have the same name and lived in the same house. Although we have different social security numbers and birthdates, a few of her accounts on now listed derogatory on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I incurred a bill at XXXX XXXX XXXX ( XXXX ) in XXXX of XXXX. The billing was incorrect in that about a {$9000.00} insurance payment had not been applied. After I called and spoke with a representative of XXXX in mid XXXX, the insurance info was re-submitted and the remainder was my portion of the bill to pay. I made bi-weekly payments until XX/XX/XXXX when I paid the remainder of the bill ( {$100.00} ) in full. XXXX never sent me any notice stating that my account was sent to a collection agency. In fact, my balance was still on the website where my payments were received and as stated, I was still making payments on the balance of over {$200.00} dollars, bi-weekly. 

I did get a letter from a collection agency but I disregarded it because the balance was incorrect, I never received notice about my balance going to collections, I had never heard of State Collection Services and it looked like a scheme to impersonate a non-existent state agency, and XXXX was still showing the correct balance and accepting my regular payments. XXXX received the last payment on XX/XX/XXXX and I received a credit monitoring alert today, XX/XX/XXXX that a collection agency has posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX was told to remove info. they passed the buck onto experian. experian refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

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 2019-03-21
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/19 made a payment which made my Loan to Value ratio 78 %. The significance of this means that the PMI should come off of my payments moving forward. I have sent several emails to the company and they refuse to acknowledge me, leaving the PMI still on my upcoming payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over 25 years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM  ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

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 2019-03-21
Company: Chrysalis Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
New Day USA, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, Telephone : ( XXXX ) XXXX sends me a piece of mail marketing almost every other day. I have NEVER contacted them. That company is known for predatory lending - they convince veterans and other elderly that a loan will help them and convince them to finance their mortgage. The person then ends with much more debt than what they had before. 

I do not mind receiving an occasional offer from legitimate companies but this company is simply too much. I shred and throw away all their letters, I never respond, you would think they would have taken the hint by now. 

Please help consumer by giving us a place where we can report these annoying and damaging to the consumer, companies.

Company response to consumer: Closed with explanation