BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-03
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/2020, while traveling oversea in XXXX, I got pickpocketed and lost my Chase Sapphire Reserve card. {$2600.00} was immediately spend on my account and luckily I discovered the fraud and reported the card was stolen the same night. Without any question from Chases dispute department, the amount {$2600.00} was removed from the statement and I was sent a new card. 

Fast forward to XX/XX/2020, I saw the previous disputed fraud charge {$2600.00} reappeared on my account without any notifications ( ie. mail, email, phone call ). I logged onto the Chase site and tried to dispute it on the site but it says I have to call XXXX to complete the dispute. 

I called the number and Chases dispute service responded this dispute is not within their responsibility, I need to reach XXXX. The fraud recovery department no longer accepts phone call and email is the only way during this time. So far I have emailed XXXX twice and still no response from them. On top of that, I have called Chases credit card customer service and dispute department on average once a day, total 4 times. They all told me the same response. Theres nothing they can do without fraud recovery department but the fraud recovery department has not responded to me at all. 

Im very frustrated on this how Chase Sapphire Reserve treats their customer. No alert and no notification to just put the fraud charge back on the bank statement. At the same time, Chase 's fraud recovery department makes it impossible to reach for help. 

Im willing to do anything to help Chase fraud recovery department to work on disputing this charge but they are making it impossible to reach and to get help from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bank of America has admitted that they have no documents or proof that they hold notes against my house. 
However, they refused to remove the lien on my house.And I can not sell my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices 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 explanation
Consumer complaint received 2019-09-22
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. an American express credit card was open under my name. when I called AMEX to resolve this issue, or try to have it removed from my credit history, they told me that I wouldn't be able to dispute this issue because there were payments made to this credit card from a XXXX XXXX bank acct, which I do not have. the person who opened this credit card probably made payments from his/her personal account various times which is their reasoning for why I can not dispute this issue anymore although these payments were made years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered a retail contract with XXXX 's appliances in XXXX of XXXX. I made monthly payments in the amount of {$410.00}. On XXXX XXXX XXXX, I received a payoff amount of {$1600.00}, which was paid in full on that date. I never received any notification of the account being paid in full and closed, although it was requested multiple times. In XXXX of XXXX, XXXX 's began reporting to all XXXX credit bureaus that my account was delinquent 90+ days, even though the account had been paid in full in XXXX of that year. In XXXX of XXXX, after multiple disputes, XXXX 's agreed to settle and close the account and remove ALL negative remarks from all 3 credit reporting agencies. XXXX 's appliances has reported that the account is closed, but has not removed any of the fraudulent prevaricating negative connotations on my credit report. These negative marks are diminishing my credit worthiness and need to be removed immediately as previously promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One just turns my credit card off at will. No outstanding balance or reported lost or stolen card by me ( card owner ). 

Capital One can provide no answer as to why card is turned off. We need to verify you made purchase. Happens all the time. Ending up having to call Capital One cust service phone number. Spend several hours trying to get an answer as to my card was declined when attempted to use. No outstanding balance. Pay the balance several times a month to ensure XXXX  balance. 
Can not depend on card working when I go to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Automated Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After sending a " request for validation '' letter to Automated Collection Services Inc. 
XXXX XXXX XXXX. XXXX, TN XXXX in XXXX of 2019, I received back a letter from XXXX XXXX XXXX that have 3 separate letters with 3 separate accounts attached that I received back on XX/XX/2019. Also along with the letters are attached copies of my medical records. However, none of the letters have any form of my signature that is required to " validate '' the requested debt. 
Furthermore, according to the FCRA ( Fair Credit Reporting Act ) Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the originally signed consumer contract-any and all accounts for your credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Unless receiving a signed document with my signature, this company is currently in violation of my HIPPA rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've noticed that a debt of {$280.00} is on my credit as a collection. Apparently it's been on there for almost 3yrs now. I've tried disputing this before, as I have no idea where it's coming from. I recognize the company that has put me collection, but that debt was paid in XX/XX/2015 when I moved to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with. 

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: Comerica
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
THIS IS REGARDING DIRECTEXPRESS.com the website and the call center. The US Treasury uses this card for people on SSI or Social Security. 
1, The website asks individuals to " register to log in '' when you do your are CONSISTENTLY told " error '' then you do it over and over and it's the same message. 
2. They claim to have a phone number for " hearing impaired '' ... NO ONE EVER ANSWERS 3. When you call for help it is IMPOSSIBLE to get an agent to help you..even for a lost or stolen card. 
4. If you do get through you hold sometimes for 35 minutes ... after a long wait a recording comes on that says ... .. '' we are experiencing high call volume..please call backi '' THIS IS AFTER HOLDING FOREVER 5. There  are elderly and XXXX XXXX people that have trouble getting help with the card or their benefits not being on the card. 
I help an XXXX year old male who is a XXXX XXXX and XXXX XXXX XXXX ... I can't count how many times we waited and waited. 
THE US TREASURY DEPT NEEDS TO DO SOMETHING ABOUT THESE CARDS THAT ARE ISSUED. What good are they if you can't get Customer Service. The Treasury needs more than one card service for all the elderly and XXXX PLUS there should be enough employees hired to service the Direct Express cards for recipients.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Applied for a refinance mortgage loan at owning corporation. I was told my home value to loan ratio did not meet their requirements, A month later I received a letter ( statement of credit denial ) stating my loan application was closed due to a lack of response from me, which is not what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
My payments have been approximately {$89.00} without the slightest wiggle room for any amount added to the balance strictly interest payments only. I have been faithfully paying that amount for 5 years no questions asked and the last four months I hit a terrible financial snag where I havent been able to make payments. 

Without my knowledge my auto pay was canceled, and my ability to make online payments was taken away. I tried to set up an online payment to be withdrawn on XXXX to make my account current by calling a representative from Wells Fargo but to no avail. At this point I feel Wells Fargo is pulling every necessary string to liquidate my account despite my faithfulness of paying every month for several years despite not having XXXX nickel taken off the balance owed.

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 2019-09-22
Company: EQUIFAX, INC.
State: GA
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:
I am writing this due to non-compliance with the ( Equifax ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
( There was no category that suits my complaint ) I have attempted to resolve this issue with the company. What happened is as follows. 

I'll contact the company, and when I do, I'm told that there is no debt owed. 
The company will place a Collection on my Credit Report, and then remove it after some months. They will then again report the Collection with a new " Account Open '' date, not allowing the Collection to age, thus not allowing my Score to improve. They have been doing this for nearly three years now. 

This practice has, on several occasions, even once as recently as one week ago, resulted in the denial of credit, and/or poorer credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with.

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Community bank has called repeatedly from unknown numbers. When Ive told them to stop calling my work they attempted it again to try to get my secretary to transfer it. As well as when I told them not to call after 8 because of a sleeping child the girl on the other end got nasty with me. When I told them they couldnt call 5 times in a row they threatened legal actions and to sue me along with getting nasty again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is charging me fraudulent amounts for one of my loans.

XX/XX/19- Loan was current with a monthly payment of {$30.00}XX/XX/19-Loan was current with a monthly payment of {$30.00} XX/XX/19- Loan had a past due balance from XX/XX/19 of {$220.00} I have screenshots to reflect this history of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Experian Information Solutions Inc.
State: GA
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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXl XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-05-01
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
My vehicle was stolen and then set on fire in XX/XX/XXXX. I contacted OneMain Financial Services regarding the issue and was paying for insurance in case something happened to my vehicle. One Main refused to honour the insurance or even discuss the problem with me. The local office was rude and incompetent to the nature of the events. Since then they continue to try and bill me despite my vehicle being a complete loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/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 2018-05-10
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I made a payment for {$260.00} on XX/XX/2017 to my GM Financial Auto Loan. At the time of this payment. My prinicpal and interest payoff ( excluding late fees ) was {$250.00}. According to GM Financial 's payment hierarchy, the payment ahould have been applied to principal and interest first, then any overage gets applied to late fees. GM Financial put thjs payment 100 % to late fees which is causing me to show past due for a principal balance that I should not owe. Under the fair credit reporting act, late fees are not a reportable debt. GM financial promised to rectify this issue inXX/XX/XXXXby reallocating the XX/XX/XXXXpayment to principal and interest and updating my credit report. This has yet to be done and is preventing from getting approved from credit. This is a missapproriation of funds, and GM financial needs to take care of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For more than 6 months now I have been constantly harassed by Portfolio Recovery Associates to collect depth obligations that I really dont remember owing or is too old. They have on several occasion used Autodialer to call me on my cellphones without permission, I will pick up the call and will say hello! hello! hello! then after more than a minute somebody will come on the line. 
They call me frequently and repeatedly from several out of state numbers, late at night, at work, and on my cell phone after I have told them not to call me. 
They have on several occasion told other people that answered my home phone or work phone that they are trying to reach me on personal matter relating to dept collection.

Company response to consumer: Closed with non-monetary relief