BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XX/XX/XXXX where I was ( traveling in XXXX for work ) I received a call from a Chase number telling me I needed to perform a wire reversal of two transactions equaling XXXX dollars from my Chase business account. After performing the transaction, I called Chase immediately and they told me it was a verified Chase number calling, and to expect my money back in 5 business days. Several days later when the money was never sent, I called again, and it was only then that they flagged it as fradulent. They couldve stopped the transacfion, but never even sent me an e-mail or notification that the money was transferred. This was every dollar in my business account, and they did absolutely nothing to protect, and they are continuing to not contact or help me regarding the claim. It has now been over a month since this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Ive been using this XXXX XXXX XXXX card for months. Chase sent me a new card with new numbers. The new card is active, making purchases, and even showing that I am collecting rewards. But I had hundreds of dollars of rewards saved, that still show on chases website, but are locked out of use at XXXX. XXXX has told me 5-6 times that the issue is with chase. Chase exhaustively claims the problem is with XXXX. I need to know which jurisdiction covers deliberate theft of reward points while both institutions demonstrably lie to me. Every time I talk to them Im told 24-48 hours and its been weeks. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit beuarues with no luck on getting this inaccurate information off of my credit report. Talked to reps and still no resolution. 

XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on 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 non-monetary relief
Consumer complaint received 2021-07-15
Company: CORELOGIC INC
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 am viewing my credit report to find these discrepancies : CREDCO - XX/XX/XXXX XXXX  CREDCO/XXXX  XXXX  I Mortgage Companies XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  CREDCO - XX/XX/XXXX XXXX  CREDCO Mortgage Reporters XX/XX/XXXX XXXX  CREDCO Miscellaneous XX/XX/XXXX XXXX  XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX  As I think back someone had to been fraudulent using my credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2018 I contacted Health Receivables Group. I wanted to pay a XXXX medical debt on my XXXX credit report. When I contacted them, they also stated, there was another bill in their office for XXXX. So I paid both of these. They also had more medical bills from when I became XXXX, so I made payment arrangements of XXXX a month to come out of my XXXX every month. I contacted XXXX and asked them why this was on my credit report still and they stated I needed to file a dispute. The dispute came back I still owed the XXXX even though I paid it. So I called Healthcare Receivables Group up and they said they never said that. I filed two more disputes and they it came back I still owed that amount. I am enclosing the credit charge to show that I paid that. The payment in the photo attachment is shown under HRG. And it should be removed. I am also stating if I am paying XXXX a month on the bills owed, they should be showing up on my credit report for the other medical bills on my credit report. But, they are not reporting the amounts on my credit report that I am paying like the other collection agencies and this directly affects my credit report which I am trying to clean up even on a small limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Associated Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I feel that they gave me a bad experience and probably lied to me by ... 

Saying that paid in full would do me more good than settle than less than full balance would be more beneficial on my credit report and would increase my points higher, I could say that Im most likely sure that that was a lie. 

Assumed that I did not have money and made me feel bad about it by saying that I should not schedule a payment if I'm not going to afford it, Also at the beginning of the call he said that next time that I call he would not give me the same offer because it was just for today XX/XX/2021 and then he tried telling me that it was better to wait to think about it and then call back whenever I had money next week ( in other words trying to make me lose the settlement and trying to charge me more next time that I call ) but I let him know that I noticed that and then after him promising settlement offer until the XXXX he decided to change it to the XXXX of the month leaving me with less time to come up with the funds for the settlement. 

He also tried to force me in to a payment arrangement of the original balance even though I told him plenty of times that I was not able to come up with that much money because of my situation that I also let him know and the previous collector that, Also I fell that he lied about not being able to see the previous collector notes because later on the call he stared to say that he was reading lasts offers on the notes. 

I also tried to be reasonable and think that there was just confusions between me and the collector but as the call continued I knew that it was not a confusion and the collector most likely had no good intentions at helping me like he said.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Tried to access Nelnet website, however, I am unable to because of the " status of my account. '' The status is that I have am third-year in a five-year Chapter XXXX bankruptcy out of the XXXX XXXX of North Carolina. Not only do I want access to my account via online so I can make optional payments ( when I have the extra money ). I understand they are not required during my bankruptcy proceedings. Moreover, I want the most recent account balances ( with principal and interest balances clearly delinanated, and the grand total ). Finally, I want to be able to access the XXXX application. Right now, I am unable to because of the " status of my account '' message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: DC
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:
Granite State Management & Resources ( GSM & R ) is the loan service provider to whom I will be making payments for the next 6 years. I believe the company has a practice of purposefully delaying the initiation of loan payments in order to collect more interest on the debt they own. 

In XX/XX/XXXX I completed the required financial aid exit counseling on https : //studentaid.ed.gov/sa/,  and I selected an income-driven repayment plan. I chose this option because, based on the studentaid.ed.gov training, this plan would result in the lowest interest payment over the life of the loan ( saving me approximately {$20000.00} ). I selected the REPAYE plan, and I stated that my income would be {$85000.00} beginning in XX/XX/XXXX. I started working two weeks after graduating, and I was expecting to begin making payments immediately. On XX/XX/XXXX, I received a letter from GSM & R, stating that my loans were in the 6-month grace period, and that GSM & R had placed my income-driven repayment plan request on hold. 

I did n't question this delay, but I should have. On XX/XX/XXXX, I received a letter stating exactly the following, " As you requested, we applied or updated an income-driven repayment plan for your qualifying student loans. Your qualifying federal student loans are on an income driven repayment plan. Your monthly payment amount for qualifying loans will be {$0.00} for 12 months, beginning XX/XX/XXXX. The letter literally said, XX/XX/XXXX. 

When, I called GSM & R and asked to begin making payments immediately, I was told that I would have to submit a request the REPAYE plan again via https : //studentaid.ed.gov/sa/. I did this. Today, XX/XX/XXXX, I spoke with a GSM & R representative who confirmed that they had received my application for the REPAYE plan. They told me that it would be processed in 30 days. 

Based on this experience, I feel that GSM & R is trying to maximize the amount of interest in collects from graduates by nudging them into a position where they delay the initiation of loan repayment for as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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 want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: URS Holding, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from different numbers daily. I looked the numbers up online and they are a part of United Recovery Systems. I answered the phone on several occasions to get to the bottom of things but the person calling would not speak. The latest instance of harassment occurred on XX/XX/2023 at XXXX XXXX EST when I received a call from XXXX. A message was left that sounded like a recording ( not live person ) claiming to be from XXXX and wanting me to contact them back at XXXX. The XXXX number is part of United Recovery Systems. I have zero debt and very perplexed as to why I'm being called daily and left deceptive messages from United Recovery Systems. It has been a real headache and I need to stop. I pay all of my bills in full each month and have zero debt. These folks never asked for me by name when I picked up the phone or in any of the messages they've left. Just like the last instance, they've pretended to be calling from a legitimate company and left a number not part of the company they pretend to be calling from. I have never received any information in the mail from a collector and have no idea how my telephone number was attached to a debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted an application with XXXX XXXX XXXX on XX/XX/21 only and my credit was pulled without my permission with XXXX, XXXX, XXXX XXXX, and a duplicate report with XXXX. The listed inquiries was without authorization and for no legitimate business purpose. I never authorized such action, and this constitutes a violation of my rights of the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.I am requesting your credit bureau to initiate an investigation to remove these inquiries. I respectfully request a copy of any document authoring credit inquiry..

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 2023-06-29
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This company are ignoring the crimes reported to them such as blackmail, exploitation, money laundering and fraud. XXXX XXXX  who are posing to be con artists actively engage in felonies on XXXX  in which they blackmail, fraud and exploit people, to the point where they constantly promote it. Venmo doesn't suspend these accounts which goes against there community guidelines and federal laws. I'm pretty sure these XXXX XXXX  aren't notifying there IRS about the illegal money the make through blackmail. Stuff like this needs to stop. Companies need to have some accountability and responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Loancare LLC in XX/XX/XXXX. We registered on their website to make the monthly payments via the web. When I tried to make my current payment, although I have fifteen day grace, I realized the company added a {$10.00} fee to my payment. As I read down the page, they started to charge their customers : On or 1-4 days after due date - No Fee 5-9 days after due date - {$5.00} 10-15 days after due date - {$10.00} Our due date is the first of the month and we paid it on XX/XX/XXXX. We have email & receipt confirmation of such, but they did not process/post the payment until XX/XX/XXXX. 

This was the first time we had to pay any such fee since our mortgage was sold. Ive made multiple calls to them and have had reps tell me it was a late fee or a service fee. When I would tell them this was a VA loan, they would change it to a processing fee. When I asked why we never had this until this month, they said the info was posted on their site a few months ago. I told them I never received this change in writing, as we have all of our monthly statements from them, the reps said again, it was posted online. 

I also asked how they could just change my terms and charge this fee, they would say if its paid before due date, there is no fee. So this is a late fee disguised as a service fee, where they fiddled with the dates to increase the fee to their benefit. The fee was listed as a One Time Draft Fee under a separate section. 

When I asked why my payment was not credited as being paid on the eighth, I was told its credited as the day its processed, not when its paid. This is clear violation of the Board of Governors of the Federal Reserve Systems XX/XX/XXXX final rule, that added 226.36 ( c ) to Regulation Z concerning mortgage loan servicing practices. Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received, provided the consumer is not penalized by the delay in posting. 

I asked to speak to a manager and was told to submit my complaint in writing.

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 2023-07-23
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:
My vehicle was broken into twice and my personal information was stolen. I immediately filed a police report. I also contacted the IRS and filed the identity theft claim and the federal trade commission. I sent certified copies of police reports, IRS reports and the identity theft report from the federal trade commission and experian, XXXX and XXXX refuse to move fraudulent accounts from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unable to contact anyone at Dovenmuehle Mortgage to discuss my loan after many attempts. They do not answer the phone. Apparently I am not the onlyone having issues. 

XXXX XXXX XXXX This company should be investigated to determine why they have no mechanism for their customers to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2019 I called Brinks Prepaid card and advised that a merchant had drafted my account for {$210.00} and the rep stated no worries we can reverse this transaction and the manager has to do it since its such a large amount and the reverse of the transaction was successful the money was placed in my account. I went on to shop for my son school supplies my end of the day balance on XX/XX/2019 was {$100.00} well on Sunday XX/XX/2019 I went to the atm withdrew {$20.00} and went the grocery store and spent {$47.00} which left me with a balance of {$35.00}. I went to the gas station on Monday XX/XX/2019 and the sale was for {$13.00} it was declined well I immediately went to the car and called to check my balance which stated negative {$170.00}. I called Brinks and was advised the merchant was able to withdraw the money on Sunday XX/XX/2019 I was shocked I stated how when the money was not available and this is a prepaid company. The rep stated the merchant did a hard authorization meaning they requested money with no dollar amount on there and the transaction was able to go thru I was highly upset because I am like I called on Saturday morning why was none of this advised to me so I could cancel the card and get another card until I talked to the merchant. My issue with Brinks is that I don't work for your company and when an customer calls in and has an issue you should be able to let them know and I had been with this company for 4 years and even thru the investigation I requested a provisional credit until the investigation is over with however that was declined until two weeks later they said a possibility of update on that is XX/XX/XXXX I am like in the meantime this has affected me I have a child support check that goes on this account for {$160.00} Brinks will take all that until this matter is resolved I get paid every two weeks and my child support helps me on the weeks I dont get paid.

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