BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-07
Company: HW Holding, Inc
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
i lived at XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Md XXXX.in 2015. In XX/XX/XXXX i asked for a different unit as i did not get the unit i was shown. XXXX the property manager told me i was free to leave.Then on XX/XX/XXXX they sued to evict me for nonpayment of rent. It was thrown out. I left in XX/XX/XXXX. XXXX XXXX the owner of the building represented them in court.
i received no notice of case being filed against me The rent was {$1700.00}. NOw the debt collector is demanding XXXX. I have no idea how they came to that figure. They started calling my daughter thi s XX/XX/XXXXand i found their address..
The debt collector is Hunter Warfield XXXX XXXX XXXX XXXX XXXX, Fla.XXXX. i contacted a lawyer have not heard anything so far. they have ruined my credit and i have no way to handle this

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: ASPIRE FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a reverse mortgage to refinance an existing reverse mortgage and draw more money out of the equity in the house, due to increased market value. 

The company, XXXX XXXX, ordered an appraisal through a company that does their appraisals. I was pleased with the appraised value of {$250000.00}. Then I find out, that when it went to underwriting, the underwriters rejected the appraisal, saying it was incomplete and had too few comps. 

I was told I would have to pay for an additional appraisal of {$560.00}, because they could n't use the one they had. At that point I cancelled the contract. Now they want me to pay for an appraisal they ordered from their company that has no value to them or me. I am refusing to pay at this point. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. XXXX XXXX {$0.00} XXXX XXXX   XXXX {$380.00} ARKANSAS XXXX XXXX   XXXX {$16000.00} XXXX XXXX  XXXX {$550.00} XXXX XXXX UNIVERSITY XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email indicating that I have a new message in online banking from Chase Bank. However, I've never had an account with them. So, I immediately called and a profile was located. So, I was told to call XXXX XXXX XXXX to file a claim on Monday. I called and was on hold for 2 hours and no one was able to connect me to the correct department. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I submitted a dispute with Equifax to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, Equifax closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Receivable Management Group, Inc. (GA)
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled a credit report on XX/XX/XXXX and noticed 2 charges from Receivable Management Group on there, one for XXXX and XXXX. I have never heard of this company, or been contacted by this company. So I called the number listed on the report on XX/XX/XXXX. I asked what these charges were for. They couldn't give me specifics but stated it was for services a company called XXXX XXXX XXXX provided. I asked for a statement of charges or verification of charges. They also gave me a number for XXXX XXXX XXXXXXXX  along with an account number - and asked I call them for more info. So I did. When I did, they noticed the one charge for XXXX was billed under my maiden name, and to an address I haven't lived at in over 10 years. But they let me know it was XXXX  services for the time I went to the ER over a year prior - service date of XX/XX/XXXX. I stated to them I had insurance with XXXX XXXX XXXX which was provided to the hospital at the time of service. All other outfits billed insurance accordingly. And I had the statement of benefits from that time and XXXX XXXX XXXX never even billed insurance. Nor did I ever get a bill from them directly. I gave them my insurance info, and the associate there said they would submit to XXXX XXXX XXXX directly. I asked them to remove this from collections as it was their error and they refused. They did say once payment is received from insurance, likely within 30 days, it will be removed. So I waited 30 days. Called XXXX XXXX XXXX  again on XX/XX/XXXX and spoke to another associate. They stated they did not even submit to insurance, that it is still being reviewed. I said it was unacceptable as this is not my debt and is causing my credit harm. She asked for my insurance information AGAIN which I provided, and she said she would escalate and get this submitted again. I waited another week, and called my insurance company, to see if any claims were submitted to them by XXXX XXXX XXXX, and they did not see anything. XXXX XXXX XXXX even called XXXX XXXX and spoke to someone whom again asked for all the insurance information and even asked for the address to mail the claim. Then stated they would submit this for insurance because again it still hasn't been done. This is not my debt. This outfit is in network and had they billed insurance properly to begin with they would of been paid in full by now. And they are clearly stalling and damaging my credit because of their mistake. This is legally not my debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX, XXXX on account Account numberXXXX sent me transaction History that adds up to a different balance to what they are reporting to my consumer report. The amount they sent on the transaction history shows that the balance added up equals XXXX and that was the amount paid to them but they are reporting a charge-off for XXXX. This company is supposed to report accurate and precise information to the consumer reporting agency which clearly they are not. They also re-aged this account the first charge-off report was in XX/XX/XXXX and now they updated the charge to XX/XX/XXXX. That is an FCRA violation I wanted this account deleted from my consumer report. Even though the loan dates are different they said the loan started from XX/XX/XXXX - XX/XX/XXXX and on my consumer report it shows the loan open date was XX/XX/XXXX. this company is FRAUD AND ALL INFORMATION THAT WAS SENT TO ME IS INACCURATEATTACHED BELOW IS THE DOCUMENT THEY SENT TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i refinainaced a mgt and loan was paid in full XX/XX/XXXX i waited for escrow refund check which never arrived. i have placed many calls into to find out where check is with call dates and NO follow back from them. calls were placed on : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ( hung up on ) XX/XX/XXXX ( with MGR ), XX/XX/XXXX, XXXX, XXXX ( with mgr ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( with mgr ) XX/XX/XXXX was told check was cashed by someone else on XX/XX/XXXX i have sent in Affidavit of Unauthorized endoresment or atlered item on XX/XX/XXXX and was told check will be reissued and has NOT been. today was told would take XXXX months and still might not get escrow refund back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
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:
The following accounts are reporting Trunicated accounts : Alleged creditor reporting item : EXPERIAN, XXXX  XXXX XXXX   Alleged Account at issue : XXXX XXXX XXXX XXXX XXXX ), XXXX   XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), ( Original Creditor : XXXX ) ( XXXX ) Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information. ALL claims, true or not, must be proven to be currently and fully TRUE, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and requisite standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS and others.Per laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to retain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 

**Please in addition eradicate any, if it even exists, claims of inquiry ( s ) associated with the above indicated illegally reported derogatory information.Per CDIA definition of YOUR electronic verification process, E-OSCAR, & quote e-Oscar is a web based, METRO 2 COMPLIANT, automated system ... & quote ; and I do and will  CONTINUE to expect you to be able to PROVE just THAT in the LEAST.

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 2020-05-16
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: Card was charged for something you did not purchase with the card

Complaint:
Im writing a summary of fraudulent charges made on my credit card. Im outlining events that took place from XX/XX/2020 to XX/XX/2020. 


Two fraudulent credit card charges were made on my JP Morgan Chase Freedom Unlimited Card. These two charges were made on XX/XX/2020 but did not show up as charges until XX/XX/2020. Each of the charges were for {$2600.00} each, totaling to {$5200.00} plus a transaction fee of {$100.00} for each charge. This a grand total of {$5400.00} that was fraudulently charged to my credit card account. I called the chase fraud number on XX/XX/2020 and they had my account suspended, a new card issued, and assurance that these charges and the transaction fees will be reversed. I called the number on the back of my card two more times to assure that this was the case. 


I issued fraud alert through XXXX. I filed an FTC identity theft report ( ID : XXXX ) at IdentityTheft.gov. I filed a police report ( Tracking number : XXXX ) through the XXXX Police Department. All these fraud reports were made on XX/XX/2020. I requested my credit report and checked to see if all my information was listed correctly and that no other forms of fraud or theft were associated with me. 


I noticed the two charges and their transaction fees were reversed a couple of business days later and I was issued my new credit card and account number around a week later. Ive heard nothing about this case for over a month after it being resolved. 


On XX/XX/XXXX, the Chase Fraud department sent a pdf to the Statements and Documents section of my account. This pdf is basically summarized to say that the fraud department completed the review of the unauthorized transactions on my account and found that I have received benefit from both transactions. The Chase Fraud department is telling me that I benefitted from these transactions when I did not benefit from these charges at all. 


Today on XX/XX/XXXX, I read the notice that Chase still holds me responsible for the charges made on my account. So my newly-made account was recharged the two {$2600.00} fraudulent charges after already being reversed for over a month. 


I want to take further measures in protecting myself by reporting this to the CFPB. 
I took and will continue to take very proactive measures and report the charges as fraud to Chase and other third party agencies as I receive more information about this case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Charged interest after being explicitly promised by agent I would not be. I had to attend a funeral on short notice, and the website was not accepting my payment. Once in the car and on my way I called Amex to let them know and they said it would be ok to pay when I got back, given the circumstance. 

Upon returning they charged a late fee and interest, despite being told they would not. They reversed the fee but not the interest. I've spent no less than 30 hours explaining the situation. 

The website problems have persisted for more than one year, and I've reported them more than 20 times. There has been no effort to fix the login and payment issues, or the issues with accessing chat. It has not changed in any way and remains broken. In a conversation with a manager in 2019 ( summer ) I asked to cancel my card due to the technical problems. She instead promised that they would support me in making my online payments when possible, and without penalty. That was true for a while, but they've stopped honoring this with no prior warning. 

Overall, I've been lied to, had thousands of dollars in lost time, and they just won't do the right thing despite specific assurances that this would not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: U.S. BANCORP
State: IN
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:
I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO. 

I called USBANK talked with the Fraud dept and was assured the application was cancelled. 

Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid. 
... BUT ... USBANK would cancel the card immediately. 

Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet.

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 2021-01-25
Company: Access Credit Management, Inc.
State: AR
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:
Original creditor writeoff my debt and sold my account to this collection agency after they were already settled. Collection is trying to recoup funds from me now that arent owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2020..applied for XXXX credit card I was denied approval due to not enough revolving Accts etc..But DENIAL ALSO STATED LIEN. Didnt say from what company, where, when. this decision was based on XXXX, XXXX, Equifax  report. 
By law Liens are not to be disclosed on a credit report or a decision for credit approval. I have searched all State, Govt sites and find no Liens under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: FIRST HORIZON BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 my account was compromised for the 2nd time and I contacted Iberiabank to close my account or stop payment on this fraud, but they continued to let the action take place. This was the 2nd time an online compromise was made to my debit card and account. The bank shut down my debit card and left my account negative. I currently had to take a lower paying job at my place of employment which was over a 10 % decrease in my pay and knowing my payroll check was direct deposited, I had to actually get aggravated and mad before Iberiabank would step in and lend me funds to get me through the work week. I had over {$1000.00} in my account at the time of the fraudulent withdrawals and had numerous automatic pays coming out of my account in which they covered, but I feel I had to get upset before they realized I needed help. The bank credited my account and then the online company credited a portion of the fraudulent charges too so, Iberiabank had to do a reversal and seemed to get upset with me. After Iberiabank seen the account got some credit from the company they proceeded to tell me that they were gon na wait 30 days for the company to credit all the money back and if they didn't then they would proceed to refund my money. I am still owed over {$300.00} if that is even correct, but yet to see the money in my account. I have a loan with Iberiabank and out of no fault of my own they proceeded to deduct late charges from my account because I had no money in my account to pay the loan at the due date from the fraud. I am beyond mad at this bank and have been a customer for about 5 years since I relocated to the area from my current employer. I feel the bank was notified by myself in time to close my account and to make this matter right. If I ever get the remainder of my money back I will be closing my account. Once I told the manager of my experience and that I was closing my account they neglected to even tell me my debit card had came into the branch and just assumed I could drive over 30 minutes to make withdrawals since I was closing my account. I know I don't make the money now as if I did before, but I am still the same customer and should be treated with the same respect. This bank is far behind on the aspect and knowledge of customer service and how to go the mile for its ' members. Worst experience and still suffering from the fraudulent mishap and not 100 % credited the money I was taken by the company. Please help others before this happens to them and share my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: SCA Collections, Inc.
State: NC
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:
A new law took effect in XXXX  stating that medical collection accounts under {$500.00} could not be listed on credit reports any longer. I have a medical collection on my XXXX credit report for {$61.00} from a collection agency named : SCA Collections. As per the new law stated above, I have the right to request this medical collection to be deleted from my XXXX credit report. I have request for this to be done, but SCA Collections refuses to delete this medical collection. I would like to have the CFPB to force SCA Collections to delete this medical collection as per the new law. 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 2020-10-22
Company: Meridian Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The dates of this so called debt that I owe are wrong. It was an account that belonged to my ex husband and is not on his credit report either. The debt owed is over 7yrs old. I have disputed numerous times asking Meridian Financial to produce a signed contract by me stating that we have a contract and they can not produce one. This was removed from my credit report before and now put back on with a newer date!

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 2020-09-02
Company: Experian Information Solutions Inc.
State: VA
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:
on my credit reprt there were three accounts that i felt had unfairly reports my situation when i complained my scores were lowered slightly and i was never told what the explanation was from XXXX XXXX and the two XXXX XXXX compies i filed a complaint on XXXX XXXX still haven't had a reply except to say they are still investigating and some remarks have been put on my credit file but i don't know what they said why am i still waiting and they are pushinf me deeper into the hole?

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