BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-03
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX : Contacted my Employer. Spoke with an associate at my place of work and ask d them to verify my home address and then to speak to me. I told them this is a place of business, and I am not permitted to take personal phone calls and to not contact me at my place of work again. They told me, Okay, well we will do what we have to do! As if to threaten me. 
XXXX : They called my employer yet again, even though I told them not to. They spoke with an associate, as I was not at work that day. An associate at my work took a message and their name and number and said they were really rude and persisted to speak with me. The associate looked up the call back number they gave her, and found that it was a debt collector. 
XXXX : They called my employer yet again, but this time it was a recording, letting an associate at my place of work know they were trying to contact me as a debt collector.

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 2021-09-15
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I bank with chime and they have a referral program that if you refer a friend you and them receive {$100.00} dollars. I sent my friend a link from the bank app on XX/XX/XXXX than me and my friend sat down together and I helped him set up his account from the link I helped him set up his direct deposit from the VA. His account was set up and he received a direct deposit of over {$600.00} in his account on XXXX XXXX we waited for a few weeks and never got the bonus so we called they said he did not sign up using the link that was sent to his phone even though I sat with him and made sure we clicked the link because I had already had that happen before. and I tried getting them to fix it but they said because on their end it did not show he had signed up through my link we don't get the sign on bonus. the bonus was the big reason he was even signing on for the bank. they made it seem in the emails that I received he did use it but did not get a deposit of {$200.00} or more direct deposit or more in the account in 45 day. and then when I said he did they changed it to He didn't Use the link. and when I tried to talk to someone at the escalation team they told me to call a number and when I do they tell me they will send my info to the escalation team and it is just a circle that does not fix the problem. also when I wanted to get employee info so I could reference everyone I was talking to one of the managers would not give me her Employee number so I couldn't reference her showing who was not the one dealing with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had a Cabela 's credit card for 15 years and always mail my payment out on the XXXX or XXXX of the month to get there by the due date of the XXXX. 
On XX/XX/XXXX, I mailed this out along with 3 other bills that were going across country. All 3 received and posted my payments on XX/XX/XXXX or XXXX. Capital One, who just took over Cabela 's  credit cards when XXXX XXXX XXXX bought them, did not post my payment until XX/XX/XXXX and then charged me a late fee and interest the last 2 months. When I called them, they said I needed to check with the post office. The post office told me to have them provide a copy of the envelope to show the postmark date. When I asked them for this, they advised me they do not keep the envelope. They told me there is no way I can prove when they received the payment so have to go by the day they posted it ... which was late so fee and interest apply. I believe they received my payment before the due date, but waited to post it until after so they could charge me the fee and interest. This, because I always pay my balance in full and never pay any finance charge so they are not making any money from me. This problem just happened for the first time in 15 years and only after Capital One took it over. 
When I posted this on a sportsman 's forum, my response lit up from other people who have just recently experienced the same problem from Capital One and who never had a problem with Cabela 's.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-07
Company: Chime Financial Inc
State: IN
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:
On the morning of XX/XX/2021 a number of unauthorized purchases were made from my Chime Credit Builder credit card. There were three pending charges for {$660.00}, {$330.00}, and another for {$660.00}. Another charge for {$620.00} did not process due to lack of funds. All of these charges were for businesses in XXXX. The pending charge for {$330.00} would eventually not end up posting ; however, the two {$660.00} charges did post. 

Upon waking up, I immediately contacted Chime to cancel the pending transactions. Chime informed me that they could not stop the transactions until they posted and advised me to file a dispute. I did so immediately - filling out a paper form and answering questions sent to me via the Chime app. 

The dispute was officially opened on XX/XX/2021 by Chime. I am not aware as to why there was a delay. On XX/XX/2021 they closed the dispute. The email was poorly worded, so I mistakenly assumed that they meant I would be refunded my money on XX/XX/2021. 

On XX/XX/2021 I still had not received my money. I called Chime and they advised me that they had declined my dispute but would not give me additional information as to why. I was advised that I could only reopen the dispute if I had new information - I have already provided them with all of the information that I have and since they havent advised me as to why it was declined, I can not give them new details. 

The Chime Dispute team has advised me that only their Dispute Information Team can give me additional information ; however, they can not be reached by phone or email. 

At this point, Im stuck in a loop where they wont let me reopen the dispute without new information but they wont tell me the original information that led to the denial of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Ad Astra Recovery Services Inc
State: LA
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:
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: AmeriCollect
State: FL
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:
Americollect amongst other companies have been repeatedly listing two charges on my credit report from 2014 in an attempt to reage this even after Ive told them that I do not owe it. I do not know this company and Ive never given them consent to release any of my medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: OH
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:
in regards to claim XXXX, i need assistance in resolving this dispute. Transaction post date XX/XX/2020, XXXX, in the amount of {$240.00}. The package was never delivered to me. i spent countless hours on the phone and emailing both the merchant and shipper, XXXX XXXX, trying to resolve the matter. The package was initially lost in transit due to shipping label not being secured. Then they located held at their XXXX, Ohio facility. I spoke to a dispatcher at XXXX on Thursday XX/XX/2020, who confirmed they were falsifying tracking records, they had not attempted delivery on XX/XX/2020. He saw a XXXX code on the tracking #, which indicates the package had never been on the truck or even left the sorting facility. i then spoke to a supervisor in the XXXX office for XXXX by the name of XXXX also on XX/XX/2020, who contacted the facility, advised me they had lost the package in sorting. She contacted me back shortly after on that day and they said they had located the package and would schedule for delivery on Saturday. Saturday i waited all day for the package, and to my surprise got a notice it had been delivered. It was never delivered to my home. I checked with my neighbors and those around me on the cross street and it was nowhere to be found. i contacted the supervisors office back on XX/XX/2020 and they refused to provide any additional details as to a GPS location of the delivery vehicle, and where it was dropped off so i could attempt to retrieve my package. The tracking info states no signature required, and they did not and have not provided valid proof of delivery. Per Visa guidelines online it states for reason code XXXX, that a tracking # is not valid proof of delivery. That a signature is. I assume this to be a large package as it is a tonneau cover for my truck. Someone has received this for free and i have now been rebilled for something i do not have. As i mentioned over the phone with Chase Bank XXXX in escalations on XX/XX/2020 there have been many XXXX  complaints against this company for the same exact scenario. i would of never ordered from them had i known i would of been scammed. Please do right and go after this merchant for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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:
I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping susceptible to identity theft, but its hindering my from applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: BMW Financial Services NA, LLC
State: FL
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 sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA XXXX XXXX. XXXX, all unverified accounts XXXX be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose. 

( a ) Accuracy and fairness of credit reporting. 

Accuracy mean that all value are deem correct and Accuracy is measure of value. 

Fairness means no one is taking unjust advantage of another. I know they willfully and knowingly that they are reporting inaccurate information and committing fraud. 

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Ditech Mortgage company on doing a short sale of my home due to my hardship and XXXX. I was approved for my first loss mitigation application and when submitting the first contract to ditech they denied the sale contract and did not notify myself nor my realtors title company. We called numerous times through the first process and no one called nor emailed back. Here it is XX/XX/2019 and we have been working on a cash offer for the short sale of my home. Ditech tells me my application for loss mitigation is now out of time and I need to resubmit. Working hard the realtor, title company and myself to get all documents to them via fax, email and an overnight package. Calling Ditech everyday some days twice a day and speaking to different reps every time. We now get my home is set for foreclosure due to lack of information and there is nothing they can do. So I was not called nor emailed for any updates on my chart, nor did they submit anything we were sending to the underwriter. I have contacted the account executive of XXXX XXXX for Ditech and was told someone would contact me today XX/XX/2019. And again I have yet to get a call to complete the cash offer for the short sale of my property. Please help in my situation I am a divorced and now single parent raising XXXX  kids and can not believe the mortgage company has done this to me in my situation. I was told to file a bankruptcy and it will slow process so we can get the short sale completed when Ditech told me to release my bankruptcy they would approve me for a short sale because I tried to do a modification and couldnt afford it due to injury on my job and divorce. Again no one called nor gave updates on file packet.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: DISCOVER BANK
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
How do I stop Discover Card from calling me every single day, including weekends and holidays. 
I have request a " cease and desist '' to Discover many times including through the CFPB over a week ago. 
I have asked for all communications to be written to ensure there is no misunderstandings of facts I have informed Discover Charges on this account in my name are identity Theft I even took a phone call from Discover on XX/XX/2017 -  This is the first time and only time I talked to someone verbally over the phone. During conversation I informed Discover the charges are not mine and are not authorized be me. 
I truly believe Discover has refused to honor my request and honor federal and State laws, deliberately for the purpose to harass me. 

So let me specific again, I do not want Discover to call me over any phone. If Discover wants communications they can do so via USPS, email or XXXX. 
DO NOT CALL ME, THIS IS VERY STRESSFULL, It is preventing me from sleep, I am stress all day, I am XXXX years of age and did not create this mess. 
On XX/XX/2017 discover called me at : XXXX XXXX ET and XXXX XXXX ET they called again. 
I will file complaints every day through this platform to produce a record for further litigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX, I was advised by my employer 's legal department that Rubin and Rothman LLC mailed a subpoena requesting my salary information. The subpoena notes the creditor as XXXX XXXX. for a credit card account that was closed on XX/XX/2009. Thus the statute of limitation to collect for this debt has passed. 

I also received a letter from the XXXXXXXX XXXX office requesting payment 20 days after the mailing of XX/XX/XXXX. 

I can not afford an attorney, and I have never been issued a subpoena. I will greatly appreciate guidance on how to proceed. 

Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: NC
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:
I filed bankruptcy in XXXX, but my FHA loan with XXXX XXXX was kept out. I reaffirmed the debt and continued paying on the home until it was sold in XX/XX/XXXX. The information on my credit report has always showed as included in bankruptcy, even though it was not and I have sent information to XXXX XXXX to verify that and they can also see the payment history. The account was listed as closed since it was sold ( XX/XX/XXXX ) until a change on my credit report XXXX of this year. It shows on my XXXX report as 90 days late for the month of XXXX, with no payment history from XX/XX/XXXX to that date. How can there be a late payment if the account has been closed for over a year? I called into the company to open a complaint. The complaint was closed without any contact from a XXXX XXXX Representative. I then contacted the corporate office to reopen the case. I have not heard from anyone in 3 weeks, despite leaving messages with the case manager XXXX XXXX. I have sent XXXX XXXX the closing statement from when the property was sold and copies of my credit report showing the change.

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 2019-05-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
HI, I HAD ACTIVE ACCOUNT WITH CHASE BANK FOR SO MANY YEARS WITH NO PROBLEM, UNTILL LAST XX/XX/2018, MY CHECKING ACCOUNT WAS CLOSED BY THE BANK.AND GAVE ME CHECK FOR THE BALANCE OF {$16000.00}. 
I DID NOT HAVE ANY BOUNCE CHECK OR ANY SUSPICIOUS ACTIVITY. 
AT THE SAME TIME I HAD SECURITY CLEARANCE FROM THE XXXX XXXX XXXX. 
SINCE THEN I AM TRYING TO OPEN ACCOUNT AGIN, BUT CHASE BANK KEEP DECLINE MY REQUEST, I WAS TOLD THEY HAVE THE RIGHT TO DO THAT WITHOUT SHARING INFORMATION WITH THE CLIENT. 
ALSO I WAS TOLD I AM RESTRICTED FOR LIFE FROM OPENING CHECKING ACCT WITH CHASE ( FOR LIFE ) .CAN YOU BELIVE THIS FOR LIFE. 
ON THE OTHE HAND LOOK AT THE CRIMINAL WHO COMMIT MAJOR CRIME AND THEY GET PUNISH FOR # OF YEARS, IS THIS HOW THE DEMOCRACY WORKS? 
ARE WE LIVING IN THE BEST COUNTRY IN THE WORLD OR THE RICH BANKS AND BIG GUYS SUFFOCATING AVREGE PEOPLE LIKE ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
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: Account information incorrect

Complaint:
XXXX, Equifax, and XXXX have information that is incorrect and fraudulent accounts on my credit report. I am confused on why I am being accountable for false information. It is affecting me and damaging my character. Inquiries are on my report that is not allowed to be and wasn't approved by me. I have reached out to them, they haven't provided me with documents in regards to the accounts and their reporting different information, all three bureaus, I don't understand that if they all receive the same information from different creditor 's. I don't want to br held responsible for false information nor identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I disputed my child support account and asked for verification on the account including the late payments that aren't accurate almost 90 days ago as well as I filed a complaint with the CFPB # XXXX on XX/XX/20. It's now been over 90 days in total and I still have not received anything back from Equifax on how on how they verified the account. 

I have a letter from the child support courts that they do not furnish any information to credit bureaus or any 3rd parties which i will add to this complaint. I will attach a copy. 

It says on the EQUIFAX website that they verify this type of information with XXXX XXXX but I have a security freeze on my XXXX XXXX account because i'm worried about identity theft, so their is no way this account be verified, so the E-Oscar system is auto verifying this account which is infringing on my Fair credit reporting rights and this account needs to be deleted immediately. 

I also don't understand why XXXX  and XXXX  deleted this account months ago but EQUIFAX isn't doing their job correctly. I will attach proof that it's been deleted everywhere except EQUIFAX. 

I will attach all my evidence.

Company response to consumer: Closed with explanation