BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I used my Chase credit card ( Cardmember Services ) on XX/XX/XXXX to submit initial deposit of {$2500.00} to XXXX XXXX XXXX, sister company of Next Level Investments, XXXX. The contract says that the company would charge the initial deposit of {$2500.00} to the card ( provided over the phone ) and the balance after the work was completed. The company charged the entire amount of {$5.00}, XXXX to the credit card without my permission. I sent an email to the company on XX/XX/XXXX informing XXXX XXXX of XXXX XXXX XXXX of this error. On XX/XX/XXXX, I emailed the company again, after he had abandoned the job site without completing the job as per the contract about the fraudulent charge. I have not heard from the merchant. I contacted Chase credit card services to dispute the charge. I sent them supporting documentation and they informed me that the charge is valid because the merchant has my signature. I contested the charge because XXXX XXXX XXXX only framed a third of the house and that I would only pay one third of the bill. I am requesting your help with Chase credit card. If the contract says initial deposit of {$2500.00}, Chase 's decision to uphold the merchant 's request is an indicator that the merchant 's actions are legal and valid. I am willing to pay {$2500.00} as agreed upon but I refuse to pay the full amount that was erroneously charged to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Credit Bureau Services Association
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have dispute this collection acct # XXXX several times asking for validation of this debt and proof of my signature which i NEVER received. The company CBSA collections has not provided me with a copy of any viable evidence. Given that i believe this company is acting in bad faith and have violated federal and state laws by not responding with in 30 days of my last dispute on XX/XX/2018, and it is now well over 30 days from that date and no response or viable evidence was mailed to me. this is my late attempt to get this collection remove due to the company not complying with federal and state laws of the 30 day response window. If this acct is not removed with in 30 days of this complaint i will be filing a SMALL CLAIMS LAWSUIT as well as a Public Press Release against this company for breaking federal and state laws as well as FDCPA and FCRA as it states any information/ debt on your credit report must be 100 % accurate and 100 % verifiable or it must be DELETED. I have carefully collected my records, evidence, and receipts for court purposes due to CSBA 's noncompliance for the past several months. I have even disputed with equifax as well and CBSA verified the debt while i was still in dispute with them which shows they failed to comply with federal and state laws again when it states that " all collection activity and communication must cease during their dispute. '' This account must now be Deleted due to CBSA not following the laws and procedures set in place on the federal and state level. i hope this matter can be resolved outside of court but if not i will have to move forward with the next steps in the court process. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX   XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
seocnd time i called today and was cut off i want to dispute a XXXX dollar charge to XXXX XXXX from XXXX we got sick no one will help me XXXX has not responded. please dispute. we all got sick food bad. unemployed now 4 months dont need more stress. 
there is also supposed to be a credit of about XXXX dollars from XXXX i will be watching for. 
please dispute XXXX dollars from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-03
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: Old information reappears or never goes away

Complaint:
Experian is reporting a account on my credit report that they have already verified and up dated my credit report as being included in my bankruptcy and discharged, now the are reporting this account which is XXXX XXXX XXXX as a negative account, this is a clear violation of the fair credit reporting act. Why are they changing my report with no explanation.

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 2018-10-05
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim. 

Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate. 

Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.

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 2018-10-05
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX was discharged in my bankruptcy but as soon as my bankruptcy was completed and closed, I started to receive letters from XXXX XXXX, Account Manager of XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , MN XXXX, XXXX trying to recover payment ( overnight to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX , MN XXXX ). XXXX XXXX XXXX , XXXX lists the current creditor as XXXX XXXX XXXX and the original creditor as XXXX XXXX XXXX XXXX. I responded advising that this debt was discharged in bankruptcy via mail. I have tried numerous times to reach the toll free number of XXXX -- XXXX but there is never anyone to answer and the voicemail is full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: XOOM CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, at around XXXX XXXX, a former boss sent me a XXXX message and after the usual hello etc, she asked me if I could help her send money to a friend in the XXXX and she'll pay me back through my checking account, that night once, they are done having dinner.. Trusting her and after sending her picture with her grand daughter, I sent the money for {$800.00} plus fee of {$7.00} under Trans # XXXX. After that, I got a text again requesting for an additional amount of {$800.00} and I said, I have to wait for the payment before I send another one. Then I saw a regular text message above my cellphone warning me that the account of my friend, XXXX XXXX, has been hacked and not to send money. But it was too, late, it has been picked up by XXXX XXXX. I called XOOM, where I remitted the money and was advised to make an affidavit. The next day, I was informed that it has been denied because I was the one who did the transaction. I told them it was an honest mistake not knowing that my XXXX  account and that of my friend in XXXX XXXX has been hacked that day. I sent two appeal and was denied again. That same Day, XX/XX/XXXX or early XXXX XXXX, I got a call from a close friend from XXXX XXXX, XXXX, XXXX, and my friend, XXXX XXXX, sent me money because according to him, I texted him through XXXX, requesting for {$1000.00} which I did not. He sent the money through XXXX, but after 3 days, he was refunded by XXXX. The hackers tried other friends of mine, but was not successful, enough. That night, I closed my Checking account and also my credit cards because they even tried to change my profile in my XXXX XXXX Account, and they tried remitting {$900.00} from my credit card. but I was able to call XXXX XXXX to close my credit card. I wrote a letter to the CEO of Xoom in XXXX XXXX, and also XXXX CEO, and COO, but up to now, XX/XX/XXXX, I have not received any reply from them, requesting for a refund for that small amount.I have been a customer of Xoom for almost 8 or 9 years and this is the first time I encountered this impostor through my XXXX Messenger Account. XXXX should also be held liable on this because they are not protecting their members. I hope your office could help me get the refund for my money and also for my sleepless nights after and mental anguish I suffered because of that incident. Thanks you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Husband and I have been threatened on numerous occasions by this mobile home park for the last year. In XXXX of XXXX we were taken to court for an eviction hearing. During the eviction hearing it was ruled by the Magistrate court for the eviction to be dismissed and for my husband and I to pay only {$500.00} per month. We did as the courthouse instructed only to be told by XXXX XXXX that we were to pay more money. When we attempted to pay only what was court ordered to pay, that amount was denied and then we were threatened to have another amount placed on my credit report. In XXXX of XXXX my husband and I were contacted by the property managers of XXXXXXXX XXXX again to collect an amount that was not owed. Once we informed them of what we would pay and that we were moving. The property managers stated that we could not move until we paid them all of their monies and if we tried to move they would place this amount on my credit report. 

Through several attempts and applications my husband and I were able to finally find somewhere else to move to, only to be informed that the property managers of XXXX XXXX had already placed the amount on my credit history and we were denied housing. Therefore we attempted another place to reside, and we ( my husband and I ) had to inform this property manager of what was going on. Thankfully this property manager was willing to work with us and we were able to move. Then on XX/XX/XXXX I received mail correspondence that the property managers did in fact sell the debt to a collection agency and now I have received letters and phone calls from this agency trying to collect this debt that is not owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I  understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2019-02-03
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just wanted to start building my credit. I applied for credit cards and I always get declined. Someone told me go on credit karma and to check my credit score. While Im looking on XXXX XXXX its abunch of hard inquiries and things I had no part of. Its things in my name and I had no idea. I dont own a home. I dont own a car. These things is stopping me from owning anything at this point an thats not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Ability Recovery Services, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently paying this debt and have made payments HOWEVER after taking money from me they placed on my credit for the whole amount after telling me they would not if I paid. They lied to collect a debt which is illegal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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:
Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX XXXX {$28000.00}

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 2019-02-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear Paypal my Complaint is regarding difficulty in withdrawing my remaining account balance. I request the ability to initiate a transfer of my remaining account balance thru a BANK CHEQUE under my Paypal business name and under my Paypal Business Address, please ( and NOT via Bank Transfer withdrawal ), Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IN REGARDS TO : RESURGENT CAPITAL SERVICES. XXXX XXXX XXXX XXXX, SC XXXX. I HAVE NOTIFIED THIS COMPANY THAT THE CREDIT CARD THROUGH XXXX XXXX XXXX WS OPENED FRAUDULENTLY AND THAT I HAVE NEVER HAD A CREDIT CARD WITH THEM. I SENT SEVERAL CERTIFIED LETTERS ASKING TO VALIDATATION AND DEBT VERIFICATION FOR MY RECORDS TO PROVE TO THE COMPANY THAT THIS ACCOUNT IS NOT MINES, AND I AM A VITICM OF IDENTITY THEFT AND ITS TAKING ME ALOT OF TIME AND MONEY TO GET THESE ITEM REMOVED FROM MY CREDIT REPORT. MY INFORMATION WAS STOLEN WHEN I WAS INVOLVED IN A TORNADO THAT SWEPT THROUGH XXXX TEXAS IN XX/XX/2015 AT THE TIME THAT'S WHERE I RESIDED THAT MADE IT ON THE NEWS AND I LOST EVERYTHING. I NEVER RECOVERED MY PURSE AND MY CAR WAS TOTALLED DUE THE DAMAGE. THE ADDRESS ASSOCIATED WITH THE ACCOUNT WHEN I ASKED THE REP WAS SOMEWHERE IN XXXX XXXX TEXAS AND I HAVE NEVER LIVED THERE.IM TRYING TO RESOLVE THIS MANNER IN THE BEST POSSIBLE WAY I CAN BUT I AM NOT RESPONSIBLE FOR THIS DEBT. SO ONE HAS BEEN USING MY INFORMATION TO OBTAIN CREDIT IN MY NAME AN ITS UNFORTUNATE FOR ME IM LEFT TO DEAL WITH THIS MADNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: MA
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: Was not notified of investigation status or results

Complaint:
Hi and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: U.S. BANCORP
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I WENT PERSONALLY IN TO THE US BANK IN XXXX OREGON. I SPOKE WITH THE BANK MANAGER 13 1/2 YEARS AGO AT THAT TIME WE SAT DOWN WENT THROUGH THE PAPER WORK AND IT WAS RESOLVED BY THE MANAGER AT THAT TIME. I HAVE NOT KEPT THE PAPER WORK ON MY END BECAUSE ITS BEEN OSO LONG I DIDNT FEEL I NEEDED TO HANG ONTO THE PAPERS FOR THIS LONG OF TIME. THE AMOUNT WAS AROUND $ XXXX-XXXX DOLLARS AND NOW THIS COLLECTION AGENCY WANTS OVER {$3000.00}. THE ACCOUNT WAS OPENED IN XX/XX/XXXX CLOSED IN XX/XX/XXXX ACCORDING TO THE COLLECTION AGENCY. I HAVE NEVER RECIEVED ANY TYPE OF NOTIFICATION OF THIS DEBT UNTIL XX/XX/XXXX AND HAVE BEEN THREATED TO BE SUED FOR THE MONEY. mY BANKRUPTCY LAWYERS WERENT AWARE OF THIS DEBT.

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