BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-16
Company: JPMORGAN CHASE & CO.
State: NY
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 XX/XX/2019, my account on a vendor 's website ( XXXX ) was hacked and many hundreds of dollars worth of goods were charged to my credit card account. The XXXX XXXX hack was a well documented data breach affecting millions of customers and I was one affected. 

I contacted XXXX XXXX support and they were able to reverse a charge that hadn't shipped, but they said they were unable to reverse a second charge, and to take it up with my bank. 

Later that day, I contacted Chase Credit Card services to report fraud on my account. One call after another, I would eventually hit a dead end with trying to report this incident. The fraud department said since I had a previous relationship with the company ( set up an account with my Credit Card ), it could not be classified as fraud, it was a case for disputes, and when I got transferred to the disputes department, they said that since I had not ordered anything, it could not be considered a dispute. I called multiple times and finally got transferred to a fraud specialist that filed the charges as fraud. 

Today, XX/XX/XXXX, I was notified that the charges were put back onto my card. Chase once again bumped me from representative to representative, saying that the transaction was considered authorized. 

Both XXXX and Chase have made it intentionally hard to retrieve fraud money back, with lots of blame spreading and weird loose classifications of fraud and disputes where they can put you into a black hole of service where you never get your money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-14
Company: AMERISAVE MORTGAGE CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Re : Amerisave Mortgage I applied for a refinance loan on application on XX/XX/2021. 
I was in constant and continual contact with the mortgage company, mostly responding to their multiple requests for information. This was understandable except it was requests for the same information over and over again. 
This back and forth resulted in receiving and responding with over 176 emails. All the while I asked and was assured my original rate was locked and secure, not to be concerned.

Most requests for information during that time were responded to by me within one business day. 
When I was finally approved on XX/XX/2021 I was told my rate lock had expired and I would now have to pay over {$200.00} more with each monthly payment. 
This delay was not any of my fault. 
At this point I am led to believe that this delay was not only unreasonable but intentional. 
I believe I was treated differently because I am a woman and maybe because my last name doesnt sound like everyone else. 
Please give this matter your attention. 
Thank you for your time and advise.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several weeks ago, I was using my wells fargo online account when it said we could click on an offer to stop the next three payments for the mortgage due to coronavirus, if we had issues. Since my daughter moved back in, and with other problems I clicked on the offer. The offer said that the payments would be added to the end of the loan and there would be no application or anything else I needed to do. Then, my wells fargo mortgage account was cut off from making any payments while online banking. I did not think much of it and moved on. 
Then, wells fargo sent me a letter where it states clearly that the payments are to be put on the back of the loan and if I needed more assistance, which I did not, I could apply for a modification. At the bottom of the letter, in fine print, it said that these payments were due at the end of the three months, and missing the lump sum payment would result in foreclosure. I was shocked, and couldn't believe they would do this. This was not what was said when I clicked on offer they put on my wells fargo account. 
I immediately called wells fargo and waited over an hour to talk to an agent. She said she did not know anything over the letter, and that I would have to talk to the mortgage department. I waited 45 minutes to no avail. I could never get the time to wait the hours necessary to get a hold of the mortgage department over this issue, and the banks were closed and not willing to handle the issue through the drive-thru service. 
I tried to make a payment but could not as the account was locked from making any payments due to the offer I accepted, even though wells fargo encouraged me to make a payment if I could in the letter it sent to my house over the forbearance payments. I could no longer make payments since my account was frozen, and I would go in foreclosure if I could not make a payment. 
Wells fargo tricked me into accepting an offer that would have put me in foreclosure, so they could profit from a government program. They locked me out from making payments knowing that they would file foreclosure if I did not make the payment, and made it impossible to get an explanation. This was misleading and possibly dangerous practice conducted by wells fargo and stopped me fulfilling my obligations. This was not advertised in the original offer, and the fine print stated different facts than the rest of the letter. 
By cutting me of from making payments I was put in danger of foreclosure. By selling me on false hope, I was put in danger of foreclosure. This was a fraudulent game wells fargo used to collect government money and not help the people they were supposed to help.

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 2017-07-05
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have formally requested by certified mail on XX/XX/XXXX and XX/XX/XXXX that LVNV Funding LLC C/O Resurgent Capital Services provide me with VALIDATION of the two accounts # XXXX******and XXXX****** that they have listed in my credit files that they are reporting to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any VALIDATION. Enclosed you will find letters that were sent to them by certified mail on two separate times..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Good Evening ; I been trying to reach out to capital one for a while now requesting detail documents pertaining agreement, consent, the original application, and question about the way it's reporting on my credit report from all the 3 credit bureaus. Then I get something canned as templates from them, asking me for more information. I simply asked for detail verification of this alleged debt, exercising my rights under FRCA guidelines of section 623 where it allows me as a consumer to address the furnisher directly. And then I received general templates saying that they want me to be more specific. Why can they use the 30 days window to investigate and provide me the documentation requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
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/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit 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

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 2021-12-03
Company: Hillcrest Davidson & Associates
State: AZ
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:
XXXX XXXX the natural person continue to be a victim of fraud upon the US department of Education unauthorized use of personal information, damaging and willingly, my character and privacy overall. I have sent in numerous complaints and fraud and theft reports regarding this matter and this loan servicer.. for the record US Department of Education XXXX XXXX had no permissible purpose, thus my written consent to report on my consumer report, for the record. For the record, XXXX has admitted to selling yet again my information to XXXX. This account has been in investigation far over 60 days with the CFPB as well as third party credit bureaus such as XXXX and XXXX XXXX. XXXX XXXX Assistance continues to appear and reappear, This is by far a violation of my Constitutional Rights. XXXX XXXX XXXX XXXX XXXX an account opened fraudulently, thus without my written consent to report in regards to COLLECTION a debt pursuant to 15 U.S. Code 1681 B. 15 U.S. Code 1681 ( a ) ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my first bill for XX/XX/2022 It stated my due date was XX/XX/22. I tried by phone and email to change the due date and couldn't. I requested every month on the XXXX. I borrwed {$25.00} and made my first payment. I called today to change it for XXXX and was not allowed either. It says in their paperwork that it takes 5-7 days to process a payment. That's why I asked for the XXXX of the month. 
I get Social Security Benefits paid on the XXXX of every month. This creates a late charge for every payment I miss on the first.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: RFNA, LP
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid a personal loan plus XXXX XXXX XXXXnterest in 6 months to Republic Finance of XXXX XXXX Texas. They have reported a delinquency to XXXX  violating the Fair Debt Collection Practices Act. They are trying to collect interest on a balance that paid years ago. Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In early XX/XX/2019, Chase offered 0 % APR and {$0.00} fees on balance transfers for a new Chase Slate card to an existing customer. However, Chase did not disclose that no balance transfers could be done from other Chase credit cards, even though that is exactly who they sent the offer to. As a consequence, I spent time and applied for a credit card that I had no use for and had to cancel. 

On XXXX XX/XX/2019 I applied for a Chase Slate credit card. I have a Chase Freedom Unlimited credit card already and I was logged in to my account at the time. I read a message from Chase while I was lodded in. The message was that I had a special offer from Chase for a Slate credit card, with 0 % APR for 12 months on balance transfers and {$0.00} balance balance transfer fees for balance transfers completed within 60 days of opening an account. 

In the application for the Chase Slate card, it provided fields for a balance transfer option. I input my Chase Freedom Unlimited account number and the maximum allowable balance transfer of {$15000.00}, expecting to transfer most of my Chase Freedom Unlimited balance to the new Chase Slate card. My new Chase Slate card was approved for a {$5700.00} credit limit. 

On XXXX XX/XX/2019, I called Chase to ask whether my balance transfer would go through at a limit of {$5700.00}. The customer service representative said she saw no indication of a balance transfer for the Slate card. She also said she could not do a balance transfer until I physically had my card. 

I received my Chase Slate card on XXXX XX/XX/2019. On XXXX XX/XX/2019, I called Chase to inquire about my balance transfer. An automated telephone response indicated my requested transfer of {$15000.00} had been declined. I spoke to a customer service representative and asked her to initiate a balance transfer from my Chase Freedom Unlimited card. She said she could not do this. I explained why I had applied for the Chase Slate card, and requested her to cancel the Slate card if she could not transfer a balance to it. I received confirmation from her that my Chase Slate card was closed during that conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A few months ago I started to received at least five calls a day on my cell phone from this number and a number from Missouri. I never answered the phone because alot of it was during work hours. Then they started calling my work office number, repeatedly harrassing my coworkers if I did not come to the phone. I talked to one person and asked that they stop calling my business and they said they would. They told me I had an outstanding debt that I thought was legitimate, but has never sent me any information regarding it in writing. They have continued to call me at least once or twice every day on my cell phone since then, and today on XX/XX/XXXX called my office twice again today. When my coworker picked up the line she talked to someone named XXXX and she put him on hold. When I picked up, no one was there and it hung up. The phone immediately rang again and she picked up again, and he gave her his number which is the XXXX. I do not know if this is a legitimate debt collector over any of my debts. And if so, I do not want to do business with them and their practices. They are harrassing me night and day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: CCM Finance LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Account is paid and satified and would like this removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX Fraud Department : Remove fraudulent accounts from my credit report.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have XXXX bankruptcies showing on my credit report ( XXXX/TransUnion ) .IT stated that the XXXX bankruptcy court has reported to the credit bureau, so I reach out to the bankruptcy court and I was informed by the courts that they dont report to the credit bureaus.so I wrote/ call XXXX and TransUnion on several and the ONLY response I keep getting from both credit bureaus is that the information is ACCURATE and VERIFIED.I I also ask the credit bureaus several times to prove to me how the information get verified and both bureaus refused to provide that information. So my question is that if the bankruptcy court does not report to the credit bureaus they can only get the information from a third party and by law third parties are not allowed to report anything on your credit report.so Im requesting/demanding that XXXX and TransUnion REMOVED those two bankruptcies thats showing on my credit report because they are violating the fair credit act.

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 2021-02-23
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I received an alert that someone attempted to apply for XXXX XXXX credit using my information. 

I called and notified XXXX XXXX that the application was fraudulent and wasn't me. 

On XX/XX/2021, I also filed a complaint with the Consumer Financial Protection Bureau. Complaint ID is XXXX. 

XXXX  XXXX opened a case : XXXX to investigate the complaint. CFPB case number : XXXX. In the meantime, I placed a fraud alert with all three credit bureaus. 

However, on XX/XX/2021, another hard inquiry was placed by XXXX XXXX for a credit card. XXXX XXXX failed to regard the fraud alert I placed with all three credit bureaus. I was never notified by XXXX XXXX nor did I authorize the first or second application attempt. Once again, this hard inquiry is negatively impacting my credit score.

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 2019-08-08
Company: Monterey Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates of Calls : XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 XX/XX/19 two calls XX/XX/19 XX/XX/19 Transcripts : This is a phone call from Monterey Please return our call today XXXX, repeats. 
This message is for " My name '' is XXXX from Monterey this matter has been turned over for your lack of response to our calls and notices It is imperative that you call us to resolve this matter phone number is XXXX xt is XXXX. 

Description of medical product : This is for a necessary medical device that inserts a XXXX of sorts into my body that disperses XXXX. Both XXXX the supplier of this product and Monterey have called me about this matter, and sometimes Monterey calls in the morning and XXXX in the evening or vice versa. 
XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Monterey Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am an XXXX XXXX XXXX member. I left the state of New Mexico in XXXX of XXXX. Prior to leaving I went to XXXX XXXX with a copy of my orders to an XXXX XXXX XXXX in order to cancel my plan. I was informed that due to being on orders that I would not be responsible for paying the early termination fee on the account. A couple months in to my XXXX XXXX, I noticed that I was still being charged monthly for service. I called XXXX, they zeroed the account so that I did not owe them and told me they were closing the account. From XXXX I XXXX in XXXX of XXXX and began receiving collections notices. I tried contacting the initial collection agency with no luck, since then it has changed to several different agencies, one seeking more saying it was interest, the most recent saying I owed I believe {$340.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX use closed this account/complaint without my 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