BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I transferred funds to my friend XXXX at the end of XX/XX/XXXX through XXXX via my Chase app. The funds went thru ok. I attempted to send money to her again on XX/XX/XXXX. XXXX called me to confirm that she had not received the funds. I called Chase and they said that because the transfer was done before the weekend, that I should wait until Tuesday to check for the payment. When I followed up with XXXX on Tuesday, the funds had still not been deposited in her account. I contacted Chase and they advised that the email associated with XXXX was linked to another debit card, issued by a credit union. I called XXXX and she confirmed that she only had XXXX and had never had a credit union. XXXX informed XXXX that she should delete her XXXX app and set up a XXXX account with XXXX and the money would be deposited into her account - it was not. I contacted Chase yet again and they advised that I need to open a claim - this was on XX/XX/XXXX. I waited the 5 days before contacting Chase again and contacted them today, XX/XX/XXXX. Chase told me they closed the claim because XXXX had not responded to their request for additional information so that Chase could complete the investigation. I called XXXX with myself, XXXX and Chase all on the call. The outcome was that Chase had closed the investigation because XXXX did not respond and that I would not receive my {$160.00} back. 

When I contacted Chase initially, I told them that the transaction showed delivered and I wanted a resolve before the transaction was completed - that did not happen. I checked my account today and the money was delivered to the fraudulent debit card associated with XXXX  email address. 

Neither Chase or XXXX has returned my money, nor does it appear that they will do so. 

I just want my money back as it seems that the additional debt card was added to XXXX XXXX account without her knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Monterey Financial Services LLC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX an account with the name of XXXX XXXX showed up my XXXX  XXXX  on XXXX  Credit Report with a tradeline of {$12000.00}. It said, this account has been active for 6 months. I had an account with XXXX XXXX  and I had it cancelled right after I signed up for it back in XXXX. Now all of a sudden, I got an account showed up, that I never signed up for with Monterey Fin or XXXX. I got an email from XXXX that my account has been reported to bureaus. The account I had cancelled with XXXX and never agreed to signed up with Monterey Fin Or XXXX. I want this account off my credit report, I never agree to any of their terms or ask for it to show up on my credit. It is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was looking over this alleged debt owed and I did not receive word of any debt owed to this company. I no longer live in Georgia therefore they are also reporting incorrect information against my credit report. I would like this removed.

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 2021-10-22
Company: BAM Management US Holdings Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hi dear, I have a scam transaction on Binance https : XXXX I have issue of automatic liquidity remove on ( XXXX XXXX XXXX +UTC ). Even tough I didn't do any action on my own it removed liquidity and my XXXX was sent to unknown address below : XXXX. This address then sent it to BSC Token hub address : XXXX I have no idea why my BNB was transacted to different address without my approval. 
I tried to submit my issue and chat with their customer service, no good reply or any action. 
FYI : My address : XXXX Receiveraddress : XXXX XXXX receiver address : XXXX Best regards, I hope you will assist me to solve above issue. 

my email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Google Compare Credit Cards Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Google ( 1 ) suspended my payments account without explanation, ( 2 ) cancelled my phone service because they would not accept my payment, and later ( 3 ) took my money in violation of their own suspension rules ( and refused to give it back because of their suspension rules ). 

( 1 ) In XX/XX/2018 Google suspended my Google Pay account with changing justification and no details. Between XXXX and XXXX, they first claimed that I might be a victim of suspicious activity, then they implied I was suspended for potentially '' performing suspicious activity, and then they claimed that my account was going to stay closed due to a violation of their Terms of Service. They requested evidence of my IDs and credit cards to verify my identity ( with changing instructions each time they were requested ), and I provided photos of my drivers license, passport, and both active cards on my account, multiple times. Tangentially the Google Store approved financing for me to purchase a new phone, which they subsequently refused to accept as payment. They have repeatedly communicated that they will not reopen my account, and that they have no obligation to justify their actions nor provide any details nor provide a route to resolution. 

( 2 ) Within two days of my Google Pay account suspension, Google Fi ( was then called XXXX  XXXX  ) notified me of a failure to pay my bill ( due to their inability to accept any payment method except Google Pay ). Despite a monthly billing cycle, my phone service was disconnected in less than a week, with no route to resolution. 

( 3 ) In XXXX, Google Fi charged my credit card in violation of their own policies. Over the next month and another dozen support interactions passed between three teams, one support member acknowledged Google Fis violation of their own Google Pay suspension, but still failed to refund the payment due to that very suspension. No internal accountability to Googles own policies was acknowledged.

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 monetary relief
Consumer complaint received 2021-02-15
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This dispute is past the expiration date to report to credit agencies. Monterey Collection keeps extending the expiration date which should be against the law. They exercise illegal practices and ruining credit unlawfully is one of them. 

On XX/XX/2014 Purchased an airbrush from XXXX for {$350.00} on a trial basis. 
Sometime after that, I found an identical item online for {$30.00} and purchased it. 
On XX/XX/2014 I emailed XXXX  to cancel the trial purchase. 
On XX/XX/2014 XXXX emailed me to agree to take the item back. 
On XX/XX/2014 XXXX  emailed me to inform me that the trial purchase time ended on XX/XX/2014. 
On XX/XX/2014 I emailed XXXX to remind them I contacted them prior to XX/XX/2014 to cancel the purchase. 

Monterey Collections, acting on behalf of XXXX, has ruined my credit by extending the years allowed to report a debt issue. 
To date, seven years later, they are still ruining my credit over this dispute. I want them to remove the negative credit report since it has been seven years and I still maintain that I canceled the purchase and wanted to return the item which is in the original package.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Experian Information Solutions Inc.
State: IL
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:
Credit bureau in violation of Metro 2 Compliance, also FCRA and FDCPA.

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 2019-11-18
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing ( SLS ) purchased my HELC from XXXX XXXX XXXX in XXXX, and at the time, I was in hardship after years of unemployment. I was able to get help with the first mortgage through the Hardest Hit program but was told there was no help for the second mortgage. I received a letter dated XX/XX/XXXX, that served as a notice to default with an intent to foreclose on my property if I did not pay the accrued amount to bring the account up. In XX/XX/XXXX, I submitted a loan application with my primary lender and was notified on or around XX/XX/XXXX, that my refinance has been loan conditionally approved. I have been in conversation with SLS representatives as I have been in this process to seek the payoff amount, which would be included in the refinance. Today, XX/XX/XXXX, two weeks from closing the loan with the primary lender, SLS tacks on additional interest and escalates the charges to add {$20000.00} to the payoff amount. They have taken the loan back the original amount as if I never ever paid anything towards the principal and interest, plus adding interest from the time that I went delinquent to the present ; this is excessive. I am asking for assistance in obtaining a reasonable payoff amount.

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 2022-01-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint is about PayPal 's failure to explain an email to me from them that discussed a transaction ( that was reversed/cancelled ) that I do not to this day recognize, I attempted for several hours to get information from PayPal, even talking to a supervisor to no avail. No one at PayPal in their XXXX call center can explain to me why I got the email, why I got it way after the alleged transaction, why the situation was that created the email and alleged transaction- nor can PayPal give me any details. I have XXXX PayPal accounts. They are in good standing. I sent the email I received from PayPal, that appeared suspicious to XXXX and all I got repeatedly was " canned '' automatic responses. No one responded to my questions about the transaction and the email. Then I called to no avail, sent the email in question as directed by a supervisor to XXXX from a different email address of mine from the one I received the email from XXXX ( and sent multiple emails to XXXX ). Still, no one could tell me anything about why I got the email in the first place nor more details regarding the transaction that allegedly was a money request that was cancelled. Given that I was the victim of identity theft through XXXX AND Paypal years ago, I am concerned. Despite my telling PayPal this, they appear not to care whatsoever and were of no use or help at all in just telling me to send it to XXXX ( which I repeatedly did with NO human response back ). I want to know more about this email and transaction. PayPal has an obligation to explain emails that they originate!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 had a collection account on behalf of XXXX XXXX   which was being reported by XXXX and TransUnion. I currently have service with company, so contacted XXXX to question this. They had no past due account with my SSN. My ongoing service account is current. 

I then contacted XXXX. The reporting was corrected within 48 hours. I contacted TU by phone ( the website was down ) to file a dispute. I havent been able to check the status of this dispute because weeks later the website for disputes is still down. The account is now reporting as paid on TU - I know this account cant be verified but I have no way of finding out what has been done by TU.

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 2016-01-27
Company: Friendly Finance Corporation
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have told my loan company not to call me at work. It is against our company policy to get personal phone calls. I have been warned by my employer once already. I informed the finance company on XXXX occasions not to call me at work but they continue and say they do n't have a note of it. They do not try contacting me on my personal cell phone, they only call me at my work number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have few accounts on my credit report that is not belongs to me. Im XXXX person getting assistance from the state I dispute those accounts and the credit report cant remove it. Account are been placed different times or have been in my credit for more than 8 years

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 2020-04-28
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.

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 2021-10-22
Company: Chime Financial Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chime bank has suspended my account. I have spent 2 weeks sending them every documentation they asked for. And I get no reply at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: NCB Management Services Inc.
State: GA
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:
Per Congress there is abundant evidence of the use of abusive, deceptive and unfair debt collection practices. These illegal practices have led to an invasion of my privacy per 15USC1692 ( a ). XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is in direct violations of my federally protected consumer rights. I use my consumer report to extend myself credit, my federally protected right per 15USC1602G. 15USC1601 states its purpose is to protect me, the consumer, against inaccurate and unfair credit billing and credit card practices. Congress also states credit reporting agencies have assumed its role per 15USC1681 ( a ) ( 3 ). They must report what I instruct them to. 15USC1681s-2 ( 7 ) ( e ) states use of notice without submitting negative information and 15USC1681s-2 ( 7 ) ( g ) ( i ) states no reporting negative information about the consumer. On or around XX/XX/2021, XXXX XXXX XXXX XXXX out the balance on an alleged debt and sold the account to NCB MANAGEMENT SERVICES, an invasion of my privacy & violation of my federally protected rights. I previously commanded XXXX XXXX XXXX to cease all collection of any alleged debt and to cease all communication with me and all 3rd party debt collectors in regards to me for all purposes. XXXX XXXX XXXX is currently in violation of my federally protected rights. My question for XXXX XXXX XXXX and NCB MANAGEMENT SERVICES is did XXXX XXXX XXXX inform NCB MANAGEMENT SERVICES that I demanded XXXX XXXX XXXX to cease all further communication with me and any 3rd party debt collectors in regards to me for all purposes?

Before we get to validation per 15USC1692g, the FDCPA states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES must have my permission to communicate with me per 15USC1692c. XXXX XXXX XXXX and NCB MANAGEMENT SERVICES does not have my consent to communicate with me or any 3rd party debt collectors in regards to me for any purpose. 15USC1640 states any debt collector who fails to comply with respect to any person is liable to such person any actual damage sustained. Under federal law, I am entitled to emotional distress, damages, economic damages costs and attorney fees per 15USC1692k and other consumer protection laws. FCRA defines a consumer report as a medium, which is communication. I am NOT requesting an investigation or verification because Congress states XXXX XXXX XXXX and NCB MANAGEMENT SERVICES do not have the power to do so per 15USC1681 ( a ) ( 3 ). I am commanding an expeditious and permanent deletion of adverse account being furnished and immediately and permanently stop reporting for all purposes and to cease any further communication with me and any 3rd party debt collectors in regards to me for all purposes. 
I never gave XXXX XXXX XXXX or NCB MANAGEMENT SERVICES consent pursuant to federal law 15USC1681b ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I paid off the account in full in XX/XX/2021 and on XXXX  and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed fraudulent items with equifax on multiple occasions. from XXXX until now. I have contacted the companies and they have verified that they have removed these items from their computers but equifax has refused to clear the items of the credit files maintained by their company. The items have been removed from the other XXXX bureaus. Equifax has refused to a knowledge the dispute, they have not removed the items nor have they even marked them as disputed. I have talked with them and verified with the agents that they received my fraud packet with the police report included and they have refused to remove any of the items or reach out to the reporting companies even though the companies no longer have the files active in their systems and have closed them as fraud. I have had contact with equifax. and faxed and mailed the information on these dates XX/XX/2018XXXX XXXX XX/XX/2018, and XX/XX/2018, XX/XX/2018 They have refused to acknowledge any of these contacts and disputes and have verified that it has been received every time

Company response to consumer: Closed with non-monetary relief