BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to buy 2 VIP tickets to XXXX XXXX from a person who called themselves XXXX. It is unclear now whether or not that was his real name. I contacted him by phone at the number XXXX ( XXXX XXXX XXXX. We spoke on the phone and agreed that I would pay {$170.00} as a deposit before I collected the tickets, and {$170.00} after I collected the tickets. When I went to pay him the 2nd amount, he told me that because the amount was the same and done 2 times in a row, his bank, XXXX XXXX XXXXXXXX, had flagged the transaction as fraud and that I would be refunded within 1-2 business days. These transactions occurred near XXXX on Thursday XX/XX/XXXX. I called my bank, Chase, to confirm that he was correct and they told me that the 2nd payment was " pending '' but that it had gone through on their end. I assumed this meant that XXXX XXXX XXXX had indeed marked the charge as fraudulent. I sent him a new amount of {$170.00}, which fulfilled our agreed upon amount of {$350.00}. In reality, all {$520.00} was subtracted from my Chase account and processed/delivered to his XXXX XXXX XXXX account. I used a service called " XXXX XXXX '' to conduct the electronic transfers between bank accounts and he provided me with an e-mail address that he uses on his end for the service. That e-mail is XXXX. Both Chase and XXXX have told me that their fraud departments can not do anything to reverse the transactions, and of course, this " XXXX '' is nowhere to be found for comment as he did not deliver the tickets as promised, and ALL 3 transactions went through. In the end no tickets, loss of {$520.00}, and 3 entities ( XXXX XXXX XXXXXXXX, chase, & XXXX ) all telling me they can not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I had a an accident that resulted in a total loss in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX at the time ) paid their settlement amount. It left a defiency balance on the loan. I have GAP and filed a claim. GAP gave a list of documents that they need, mostly from Capital One. I  contacted Capital One numerous times to have them send needed documents to GAP and according to GAP, they still have not been sent by Capital One. I also have warranties that need to be refunded, which GAP is also waiting for. I bought the warranties through XXXX  XXXX. They directed me to mail in a form to their corporate office. After doing that and waiting weeks I followed up. I was then transferred around to different numbers and ultimately given an update that no information has been received. I asked Capital One to assist me in getting warranties canceled too, they said they would but nothing has been done in months. Capital One did fulfill a request to mail me a copy of my contract because I moved since buying the car and some things were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MS
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:
On ( XX/XX/2021 ), I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

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 2021-06-03
Company: ROBINHOOD MARKETS INC.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have a Robinhood account, and Im unable to log into my account, I can see pop ups that trades are happening with dodge coin digital Currency with me not logging into the account. I have sent multiple request to Robinhood customer service to try to find out whats going on. You can only request that there is an issue through the app or website, there is no customer service number that you can call. This is completely unacceptable, Im left in the dark. I have been locked out since Sunday XXXX- Current for 5 days without any answers. Any help from the CFPB would be greatly appreciated! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter explaining that my cell phone bill was paid in full. The final bill was {$170.00} which was paid and proof provided to the company. I received another letter requesting for demand for payment of bill. This was created after my account was closed and paid in full. This is the second company trying to collect on a closed account. I provided the first company the same bill and bank information showing the account was paid in full. this company sent a bill i never receive and was created after a had already receive and paid my final bill eve before i receive notice from Sunrise credit services inc i was receiving demand for payment they call XXXX years old mother in law being rude and UN professionaXXXX NOW I RECEIVE A LETTER FOR DEMAND FOR PAYMENT FROM XXXX XXXX XXXX NOTE MY ACCOUNT WAS CLOSED IN XX/XX/XXXX AND THE BILL IN QUESTION IS FOR SERVICE PROVIDE IN XX/XX/XXXX WHICH MY ACCOUNT WAS CLOSED WITH NO PAST DUE AMOUNT DUE NOTED IN THE LETTER FROM XXXX XXXX XXXX WHICH I PROVIDE A COPY

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 2018-05-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When I opened my Chase Sapphire Card I was given a guide to benefits including Return Guarantee, that states if a merchant wont accept a return and it is still like-new/good working then Chase will accept the return and provide me a credit for the purchase amount. 

I attempted to use this benefit on XX/XX/18 for a pair of shoes that I bought that ultimately I decided I did not want to keep. I was outside the merchant 's return period, but inside the 90-day period for Chase 's protection. I sent in all requested documentation. 

A month passed and I received no update on my claim. I called the 3rd party benefit provider and was told that my claim was denied because the shoes were not like-new. I explained they had only been worn to try them on in my apartment, and that the merchant, as well as most shoe merchants, consider that acceptable practice and would accept the return. 

I contacted Chase customer support to follow-up. Chase told me that my claim had been APPROVED and that I should receive a check within 1-2 weeks. I confirmed several times with the claim number and card number, as this was confusing, but I was reassured that the claim was approved. After 2 weeks and no check, I contacted Chase again, and Chase told me this time that in fact my claim had been denied. 

I escalated my concern to Chase, and Chase " investigated '' only to come back and tell me that the claim was denied because the shoes were not like-new. I had already explained multiple times that they were in fact like-new as accepted by shoe merchants, and in good working order. 

Chase seems to make a habit out of doing absolutely everything it can to avoid honoring claims for the benefits that it advertises on its cards. Its deceptive to ensure me, the customer, that I should use my Chase card over my other credit and debit cards because of the benefits ... only then to avoid paying when I try to use them. 

It's also concerning to see Chase offer a benefit that has more stringent requirements for merchandise than the merchants who sell them. What does Chase plan to do with the returned merchandise? Return them to the merchant for a refund ( I already tried ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Predatory loan, not reflective of my salary, job title, and credit. 
Collusion with dealer to reduce bargaining power, including paying interest and points on loan, requiring bad supplemental products as mandatory. 

Mandatory bad warranty. No record of warranty, no contract info, despite repeated attempts to obtain. 
Extra large cost totaling over 25 % of the price of the car. XXXX car ( XXXX warranty ) No repair reimbursement. Never was able to use warranty despite numerous repairs. I have had to pay over $ 2000.00out of pocket, with NO reimbursement or ability to submit a claim. Paid over 2000 in the first 12 months of ownership. 

Called finance company immediately and told not to fund the loan, that the dealership had misreprensented themselves in the transaction numerous times, and the car would be returned asap. It was funded anyway. After making several calls to the finance company and dealer to rectify, to no avail. 

Sent all of my paperwork late. So by the time I received it I was behind one payment. So despite paying the loan every month, the loan reflects perpetually late, and I get a fee each month, even though I pay at least the minimum, usually over the minimum payment each month. I have incurred hundreds, if not thousands of dollars in late fees. 
Several months ago, despite paying the loan monthly, XX/XX/2018, my  payment was refused, forcing my loan into default! 
I have paid on this loan for over 18 months ( it is a 3 year loan ), and I owe more now than the initial loan amount. 
I would have great credit if not for this loan. I have excellent payment history with every other creditor before and after inception of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Bridgecrest Acceptance Corporation
State: DC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX, I received a car from XXXX in XX/XX/2020. I later received calls and texts from Bridgecrest regarding an alleged debt. I never consented to Bridgecrest having my personal information. I mailed them a debt validation letter on XX/XX/2020 and did not receive a response. I mailed them an affidavit of truth on XX/XX/2020 which also did not get a response. Both documents were sent certified and signed for. I recently sent another debt validation because I noticed that this account was on my consumer report listed as charged off, which has negatively affected my reputation as a consumer. I still have not received a response from Bridgecrest. How can they charge off an account that they have not validated? This account has stopped me from getting many opportunities over the past few months. I feel that they need to have some type of repercussions for their actions from the CFPB.

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 2021-06-03
Company: EQUIFAX, INC.
State: UT
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 have disputed an account with the bureaus previously and it has not been resolved! There a XXXX XXXX Mortgage late notations reporting on my file that are erroneous. I did a quick sell on my home and ended up moving immediatley and the new owners settled in very shortly after. My title company was supposed to be taking care of the transactions and since it was in XXXX, I assume it would take 30 days to process payment but XXXX only has 28 days in the month. What I wasn't aware of is that XXXX reports late notations on the XXXX of every month and will consider you 30 days late after that period. They knew my house was going up for sale and they would receive their payment in 30 days! They ended up putting late notations on for XXXX because the payment wasn't received by the XXXX and for XXXX?! They had already received the full payment and the account should have been closed. There was no payment due in XXXX so there is no possible way for me to have been late. I disputed this with them and they apologized for the confusion and gave me a XXXX card?!? I can afford my own XXXX, I need them to remove the erroneous lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my phone more than once to collect a debt. The first time they called, the representative held the phone and later disconnected the call. The second time, they called my phone and hanged up as soon as I picked up. When I call back, I received an automated system which indicated the caller is SUNRISE CREDIT SERVICES. 

When transferred to speak with a representative, the person on the other line requested a name that I had no idea who the person is. She indicated the call was a mistake. 

Unfortunately, this company has called my phone a bit too much and it needs to be reported.

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 2018-05-09
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company XXXX XXXX XXXX is calling us from XXXX even AFTER they have been made aware that we have and never have had any accounts with them NOR do we have any accounts in default. They become abusive and rude when told not to contact us again and continue to do so regardless. Total XXXX. They need to stop calling us and harassing us for a debt that we do not owe. Peroid fullstop! BTW how DARE those XXXX XXXX XXXX speak to children and attempt to solicit private, personal information about us from a child. THEY NEED TO LOOSE THEIR LICENING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got an email that chase " upgraded '' my card. I live in XXXX. They cancelled my old card ( which I told them not to do ). This leaves me in a terrible financial position with no emergency card. 

The attendant also did a hard credit check without telling me for a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Per the Fair Credit Reporting Act, I have made multiple requests to Trans Union to validate information reported on my credit report and to provide me with copies of any documentation associated with the information reported in the entry reflected on my credit report. Each time Trans Union responds with the statement verified and updated. They have neglected to the validate information reported on my credit report and to provide me with copies of any and all documentation associated with reported information. With each request, the information reported is updated to simply change inconsistences and to re-age the account as of the date of the request. Each time these changes are made, my credit score is lowered significantly by the re-aging. 

As of this date, Trans Union/XXXX continue to report unverified, unvalidated, inaccurate and, inconsistent information on my credit report. 

Below are a few examples of the inclusion of unverified, unvalidated, inaccurate, inconsistent information on my credit report with Trans Union ( evidence is enclosed for your reference ) : 1. XX/XX/XXXX : The account shows closed on XXXX as a charge-off with a balance of {$10000.00}. ( Exhibit A ) 2. XX/XX/XXXX : The account is reporting payments made in XXXX and XXXX which re-aged the account. ( Exhibit B ) 3. XX/XX/XXXX : A remark was added Charged off as bad debt Profit and loss write-off. ( Exhibit C ) 4. XX/XX/XXXX : The account shows closed XXXX with a balance of {$12000.00}. ( Exhibit D ) 5. XXXX, XXXX : Per XXXX XXXX, Trans Union is reporting that the account was late one month ago which would be XX/XX/XXXX ( re-aging the account ). ( Exhibit E ) 6. XX/XX/XXXX : The account was updated to reflect the account was closed XXXX ( which again re-aged the account ) with a balance of {$12000.00}. NOTE : The ratings chart associated with the account on the same date contradicts that information by showing that that the account was charged of XX/XX/XXXX. ( Exhibit F ) 7. XX/XX/XXXX : Status continues to report closed as of XXXX, XXXX. ( Exhibit G ) After receiving the response to my most recent request from Trans Union in XX/XX/XXXX, on XX/XX/XXXX I called Trans Union to discuss this matter and spoke with their representative named XXXX XXXX. I pointed out examples of the unverified, inaccurate and, inconsistent information being reported. XXXX XXXX acknowledged that the information was at the very least contradictory and inconsistent. The only resolution that he was able to offer me was to file a dispute AGAIN. I explained that I have filed multiple disputes to no avail.

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 2018-05-09
Company: PCR Group
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a first notice of debt from XXXX or XXXX  XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I  owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: GLA Collection Company, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gla collection showed on my credit the XX/XX/XXXX opened XX/XX/XXXX of this year for unpaid medical expenses I checked with my insurance and I know definitely I wasn't in Kentucky last year they have an address in XXXX ky And number I have never had So I was never notified about this till it affected my credit I have yet to receive any kind of receipt for this and they haven't given me the account number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
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: Information belongs to someone else

Complaint:
EXPERIAN CREDIT REPORTING IS REPORTING A NEGATIVE AND FRAUDLENT ACCOUNT ON MY CREDIT FILE AND IT IS A FRADULENT ACCOUNT NOT BELONGING TO ME. I HAVE SENT THEM SEVERAL POLICE REPOERTS AND REQUESTS TO REMOVE THIS FOR OVER A YEAR AND IT WAS REMOVED AND THEY NOW JUST RECENTLY ADDED IT BACK ON MY CREDIT FILE. THIS DOES NOT BELONG TO ME THEY ARE ALSO REPOERTING AN ACCOUNT I HAVE OPEN AS CLOSED AND I HAVE NTOIFIED THEM OF THIS NUMEROUS TIMES AND THEY HAVE IGNORD MY REQUESTS TO PROPELRY ADDRESS THESE ISSUESS. T THEY ARE IN VIOLATION AND CONTINUE TO BE AFTER DISMISSING ALL MY REQUESTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: SUMMIT FUNDING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dear Summit Funding, according to title company record and XXXX, you as a mortgage lender issued a conventional mortgage loan for an amount of {$370000.00} to Mr. XXXX XXXX and Ms XXXX XXXX which was recorded on the XX/XX/2018.  The loan was issued by Mr. and Mrs. XXXX to purchase the property addressed at : XXXX XXXX XXXX, XXXX, TX XXXX, for which I and my spouse are the legal owner. 
The seller of the property was MsXXXX XXXX XXXX. 
The mortgage loan was serviced by XXXX XXXX XXXX and is recorded by them in XXXX. 
Can you please as a lender, explain me the reason of issuing fraudulent mortgage loan to straw borrowers where our property has been used as collateral? 
This is a very interesting area that I am researching these days. Is this only for flipping? Or is there any other mortgage fraud scheme that I am missing. 
Your feedback will be highly appreciated. 
Thanks in advance.

Company response to consumer: Closed with explanation