BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I 'm trying to utilize the law that states I can request my payments to be allocated to my upcoming ( 0 % 12 month interest free ) balance transfer due date ( 2 months prior to due date ) so I do n't incur interest but Chase is stating they do n't have to do that. They still put it, along with the regular purchase balance due payment they require, to my regular purchases then toward the 0 % balance transfer. They sent me letters stating they are within the law. Can you help me? XXXX followed the 2 month prior rule so I assumed Chase did too, they have caused me large amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-02-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2022 @ XXXX I received a txt message from ( XXXX ) XXXX. Wells Fargo Fraud Alert- saying Did you attempt to do a wire transfer for the amount {$4500.00}? Reply Yes to authorize or reply no or 1 to decline transaction So I not knowing at all what was about to take place for the next two days I replied no. After they messaged me back Thank you for your confirmation Shortly after that I received a call from the same number. Stating Hello you are in the process of fraud. Someone has access to your account and wire transfers. We need to assist you on transferring your money to your new account. And mind you this entire time I am thinking that this is Wells Fargo on the phone. So after this we went through the process of transferring my money to my new account so I thought but no I was getting blindly robbed. Because I have never been through a account transferring process so I listened ever step and literally gave my money away. So after I realized What the XXXX that so called new account that the man on the phone made me was empty and my actual bank account was empty I knew there was something wrong. Immediately after I realized this witch was already FIVE DAYS LATER!!! I called Wells Fargo and complained telling them exactly what had happened. And now we are here TWENTY DAYS LATER!!!! On the XXXX of XXXX they just NOW get back to me saying they denied my claim based on what I told them on the phone they ARE ACCUSING ME, ME, the account holder, Of stealing my own money and taking part in the fraud. This is unheard of if I had taken place in this fraud!?! Why would I be filing a claim with Wells Fargo and filling a police report. If I had anything to do with this.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I was added as an authorized user on a XXXX Credit card account. The bank informed me that report authorized users to all three major credit bureaus, but on my credit reports it is only being reflected by XXXX as of XX/XX/XXXX. So I am contacting you to please send letters to transunion and experian informing them that they are misrepresenting by excluding the XXXX account on there reports and subsequently hurting my overall credit score. I need them to accurately report my scores so that I can secure a line of credit for my business. Thank you in advance for your time, I greatly appreciate it. ( I also wanted to mention that I have proof of all three bureaus in the form of credit reports from annualcreditreport.com but it will only let me upload the one one this website. Please reach out if you would like the others. )

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 2020-06-15
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Dunlap Gardiner LLP has violated my rights as a federally protected consumer. Dunlap Gardiner is in violation of 15 usc 1692. I have outlined their violations in the attached documentation. I am. invoking my specified remedy as a federally protected consumer I am demanding a deletion /dismissal, and monetary compensation for each violation Pursuant to 15 USC 1692k. And garnished funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Oklahoma Student Loan Authority
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. 

This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ). 

As the consumer, the natural person, natural creditor, administrator, and executor, I legally refuse to pay this alleged debt pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor. 

2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts. 

3. Pursuant to 15 USC 1692C ( c ) ( 3 ), I demand you delete all my accounts. 

SEND ME A COPY OF MY CONSUMER REPORT UPON COMPLETION. 

FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2015-05-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am writing you do to the fact of my husband is a XXXX veteran, he was working a full-time, part-time job and going to school to obtain his XXXX degree. We purchased a home in XXXX of 2014. He then lost all of his employment in XXXX of 2014. He has been diagnosed with XXXX and is unemployable. he is now receiving social sercurity benefits and a small percentage of VA benefits. As soon as he lost his jobs he contact the mortgage company on any type of help or programs that they could provide. we were turn down for all possible programs. I am writing you to see if there is any help you can provide for us as to lower our mortgage to about {$500.00} or less. so, it can be easier to pay the mortgage. we have checked and the value of the house is less then its worth. we want to be able to stay in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX ( Original Creditor : 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 2022-02-01
Company: EQUIFAX, INC.
State: CA
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/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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/2021 I paid XXXX XXXX the amount that was owed IN FULL via my XXXX Bank account ( statement is attached ). On XX/XX/2021 they reported it to a collection agency who reached out to me demanding payment. I disputed it with them saying it was paid in FULL. I never heard from them again. Now the XXXX XXXX account is showing on my credit, even though it shows it is paid. This is a violation of the FCRA. It should NOT be on my credit to begin with as it WAS paid BEFORE they sent it to collections.

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 2022-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : 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 2016-05-11
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX turned an overdue bill over to Optimum Outcomes on XXXX/XXXX/XXXX for {$230.00}. On XXXX/XXXX/XXXX XXXX was paid and they requested Optimum Outcomes to return the account, ( XXXX ). The recent credit report still shows that the Optimum Outcomes have it as an outstanding debt, when in fact it is not. Optimum Outcomes shows a zero balance so they need to remove the entry from my credit report. 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 explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen mortgage company is denying me a loan modification based on their claim that I do n't live at my home at XXXX XXXX XXXX XXXX XXXX. Massachusetts. On XXXX XXXX, Ocwen received XXXX utility bills, a bank statement and a credit card statement with the correct address on those items as proof, yet I 've received nothing for over a month from them about this! I want to know why they are ( allowed ) to deny my request to modify my loan citing that I do n't live at my home as their reason to deny my loan! I live here at XXXX XXXX XXXX and this denial has been going on for over a year and a half now. I am looking have the foreclosure sale date of XXXX XXXX, extended to XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I discovered XXXX XXXX/XXXX/16 that a charge of {$850.00} was charged to my Debit Account. I contacted Santander immediately while the charge was still pending. They told me then that there was nothing that they could do while it was still pending however they overdraft my account. The next day I call and they said they could not return my money for 10 plus business days, even though I had notified them when the charge was still pending. I have not charged over {$250.00} to this account and the charge for {$850.00} was made in XXXX and I live in XXXX. I strongly question if they have a fraud department because this charge would have been a red flag for most.

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 2015-08-26
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Convergent Outsourcing Inc never sent me anything in writing concerning a debt from XXXX. Furthermore they have been calling me numerous times on my personal mobile from a local number ( XXXX ) and they are located in Washington. I spoke with a representative and she informed me that the amount that Convergent Outsourcing was charging me an additional collection fee because my account was sent to collection. Lastly the representative express that they have a random automatic dialing system that calls me numerous times a day from a local number to increase the chances of speaking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We started receiving calls from Firstsource ADV XXXX XXXX XXXX last summer about debt collection for someone else. I called back on XXXX XXXX, 2015. I told him that they have the wrong number and they were reaching the XXXX residence. In other words, they were calling the wrong person. We were rudely asked " what phone number do you want me to remove '' and we told him. He refused to take the case number ( XXXX ). However they still are calling us, and just called this morning, XXXX XXXX, 2015. We want this to stop!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX, has been sending me collection notices in the amount of {$250.00}, The collection has been reported as past due. I don't know this company, I have never done business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal has ruined my finances. For 6 months this year, it has horror after horror. Everything is automated to cut cost and their algorithm is broken to the point where I had to give up. 

I had to apply my ID 4-5 times. The SAME XXXX  ID card. 

I sold a few items on XXXX  and they demanded to see my suppliers invoice. I XXXX XXXX XXXX XXXX fXXXX XXXX XXXX!!!!! 

They protect fraud buyers who say they never received item when they received it. 

They never tried to listen to my attempts to rectify the situation. 

Prior to the pandemic, they barely provided any help besides their empty faux apologies. Since the pandemic, it's been a joke. They literally took the pandemic as an opportunity to not provide service of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a statement fro Convergent Outsourcing, Inc. claiming that they were collecting an overdue balance of {$45.00} from XXXX. I googled Convergent and found other people who have been scammed in the same manner. 

I am a XXXX member and I reported this event to them. They suggested I contact the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is XXXX pulling a scam. XXXX confirmed my cancellation and recieved all the proof they asked for but still has not resolved this issue and claiming I owe for a phone which is a complete lie ( proof provided ).

Company response to consumer: Closed with explanation