BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-23
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Rent Recover, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
ON XX/XX/2018, XXXX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY XXXX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF RENT RECOVER, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have an account with Chase and use mobile banking. 
I was hacked and an unauthorized payment was made through the Chase App via XXXX to XXXX XXXX. 
Because this payment was made through my Chase App, ChasXXXX reviewed the transaction and said it was not fraud. 
Chase then instructed me to file a complain with XXXX.

Chase and XXXX both deny any accountability and neither will help to resolve this fraud. 
In order to for XXXX to further investigate they need the email or phone number used for the XXXX payment. 
Chase will not give me the details of the payment I made - citing customer privacy. But this is my account and in order to make this payment, an email or phone number must have been added? Which I do not have because this is fraud. 
This is a terrible abuse of power and lack of concern for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Kohls. Account # XXXX I became delinquent due to unforeseen circumstances. I called during COVID 19. Explained paid. During. Ha the off and asked for delinquent remarks to be removed. The delinquent remarks have not been removed. 
The charge off needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/2022, my bank account was used in both my checking 's and saving account. For my savings account someone did a wire transfer of XXXX dollars into my checking 's account, but was not authorize by me which made me disappointed that someone gave permission to authorize that money later one the person got a hold into my card and used it for XXXX 's pay while I didn't even notice until the next day that I went to check my bank account. I reported these transactions several times now and they are still denying my claims even though I have not authorize anything nor gave my information to anyone. While I went to go report these claims the workers did not help me at all they denied my claims and moved me around everywhere worst customer service ever some employees were nice and to help me more about the situation. like in one instance I talk to the banker about my situation and i told her about the document they sent me about they could not fine the person who used my card in the atm. The executive lied to me and said they cant check because it was a digital app so they cant even bother checking the cameras and I talked to the XXXX company and they said that the bank gave permission to the person and now I cant get my funds back to the person who used my card and spend on things that I never purchased. It has been 4 months and I am not proud of how wells Fargo has helped me I just want my funds from the person who stole from my account because I told them so many times that it was not me that someone got a hold to my account and they can't do anything and even if they did they did it in the worst possible way. I got all the documents and letters they sent to me but I am not happy at all.

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 2017-07-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Previous complaint number XXXX. In response to your answer : ARS, Account Resolution Services is a third party debt collector. We are not a billing agency. We do not have the explanation of benefits from the consumer 's carrier, nor are we required to possess that documentation. The consumer does not need an explanation of benefits to inquired as to the processing of the claims in question. The consumer can contact their carrier, provide the dates of service in question, and the carrier can advise the consumer of the claim status. My response to you is that I contacted my insurance carrier and I was told that in order for them to know what bills I am claiming to be in collection, they need to get an invoice from the medical billing department. Obviously I do n't have a bill because I never got one because I provided my insurance information, so the insurance carrier ca n't check if they paid it or denied the claim, if I do n't send them the bill, this is all you need to get from the hospital. Then they look at the invoice dates the medical provider sent them and they will be able to find in their system the bills in question, what was paid and what was not.

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 2022-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had tried to put a check for 4,500 into my account, at first it said it was on hold but I checked today and now it said it has been returned and my account spending was 5,200 and im $ XXXX in debt. i cant receive any money from anyone, they cant send me money. i cant make a mobile deposit anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-14
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This organization started calling me yesterday XX/XX/22 while I was at work and again this morning while I was asleep. I returned their call to see what they were needing and before I could say yes I was who they were looking for or no, they started asking me to verify my personal info, SSN, mailing address or anything of that nature and I then ask before I disclosed any thing, what was the nature of the call. The response was that it was a personal matter. If it is a personal matter, then use the post office. I would have been more receptive if I was told who they were and it was an attempt to collect. They didn't need to say who or what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
XXXX  IS REPORTING AN ACCOUNT FROM BANK OF AMERICA ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT 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 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The Credit Companies are not complying with their own policies in a timely manner!

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 2020-01-08
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My father passed away in XX/XX/2017. We received a letter from the student loan holder that the debt was discharged due to his death. Pioneer Recovery has harassed everyone in my family, including my husbands ex wife. They have called repeatedly asking for information about me to my mother in law, father in law & husband. They have all answered and asked them to stop calling because they didnt not have information for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: CAINE & WEINER COMPANY, 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:
In accordance with the fair credit reporting act, these companies have violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell into default and have spent more than 11 months trying to work with my mortgage co. to find a permanent resolution and avoid foreclosure altogether. During my active review for workout assistance they set a sale, and foreclosed on my property violating my homeowner bill of rights. I have proof of my records and just want the sale reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-06-14
Company: RNN Group, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A representative from RNN Group contacted my employer asking for my work status and to verify the last four of my social security. I told them to cease all communication immediately and they called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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 belongs to someone else

Complaint:
I was reviewing my Experian credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. 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 2020-01-08
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened an " Easy Checking '' account at First Midwest Bank, under a promotion to receive {$250.00} upon the completion of four required activities : ( 1 ) open the account before XX/XX/XXXX, ( 2 ) Make 10 debit card transactions, ( 3 ) Make deposits totaling {$2500.00} or more, and ( 4 ) enroll in online banking and e-statements. I will attach a screenshot from the promotion website that lists these four required activities. I waited the requisite length of time after completing all of these, but did not receive the {$250.00} reward. Upon contacting First Midwest Bank, I was told that I did not receive the reward because I did not use their mobile banking app. However, this was not prominently advertised as a requirement : I enrolled in online banking and estatements immediately upon opening the account, as was advertised as a requirement. I have clearly met the terms of this promotion and request that I receive the {$250.00} reward that was promised.

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 2021-11-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX at XXXX am I was notified by email that there was a login to my Chime account from XXXX from an XXXX device. 

I do not have a Chime account. 

On XX/XX/XXXX at XXXX am I received an email welcoming me to my new Chime account, asking me to set up direct deposit. 

I replied to XXXX and let them know I did not sign up for a Chime account. 

On XX/XX/XXXX I received an email letting me know that a Chime XXXX XXXX XXXX is being shipped to me at my home address, but that purchases can be made through the app while the physical card is on its way. there is no phone number in any of the emails to call Chime. 

I did not sign up for a Chime account. 

I have tried calling a few chime customer service numbers I found on the internet, but I have not been able to speak with a human. I want to cancel this account. I did not sign up for a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: American Financial Network Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a real estate agent and our buyers were pre-approved through American Financial Network , Inc. We went into contract on a home on XXXX XXXX and I kept in touch with the lender throughout the process to ensure a timely closing by XXXX XXXX. When I checked on the loan the lender admitted to starting the loan process late and then had a few tax lien conditions to work through. We were told that the underwriters were based in California and were not very responsive to the lenders. The lenders, in turn, were slow to contact us and often required multiple calls, emails, and texts to check in on the loan process. We had to extend the contract two times to try to close by XXXX XXXX. We were finally given the clear to close on XXXX XXXX and we scheduled the closing for XXXX XXXX at XXXX. We officially closed today, XXXX XXXX at XXXX. At XXXX, we received a call from the lender that the loan would not fund because the person who issues the funds found out today that one of our clients had lost their job on XXXX XXXX and would receive severance pay for 1 year ( not the the 3 required for FHA loans ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In relation to a previous complaint about XXXX and their inaccurate 60 day late payment. My credit card company FNBO saw that 60 day late payment across XXXX different loans and my score dropping 80 plus points and slashed my credit card limit {$9000.00}. And this happened last Monday XX/XX/XXXX. 
I have called into their contact center and had it escalated to a Supervisor XXXX. Who advised me after explaining the situation that there was nothing that could be done and that I would have to wait 4 months to re apply for a credit limit increase. 

I also emailed their executive team as well. I received a follow up call the next day and that person reiterated the same sentiments as the supervisor. They took nothing into account about my plight and how the inaccurate reporting was to blame for my score dropping over 80 points.

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 2020-01-08
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
# XXXX Is the number to another complaint with you, this complaint is the same company with a claim from the same banks in two different states and cities, one in XXXX XXXX, another Florida, lie, complaining I refuse a summons to appear, never was told or mail or communications, therefore to get a judgment against me, violating my civil rights, they have did this several times, now what they claim has rocket to, what was a fraud amount was a few {$100.00}, too more than a {$1000.00}, with over over 5000 robocalls over 6 years even though they been investigated by XXXX  as being fraudulent, and delete the information brought my credit back to good standings, they, Midland LLC, brought this fraudulent account even though it was close, they knew it fraudulent, this is not a charge off, XXXX  investigates, this is fraudulent information, clear my name, yet Midland have kept taking me to court without no summons, this amount has increased to the Thousands over the 6 or more years, I have try to report to police, they dont have time or manpower, lawyer want money up front Im a senior, but not weak or stupid, and over the same complaint, fraudulent misinformation, the government dont care because, how do you expect for the company to tell the truth, when they the ones committed the fraud, using two banks, telling lies in court to get more than a {$1000.00} from a {$100.00} account, anybody can get lies from XXXX, acknowledging they cant verify nothing, yet companies use their information against consumers, I did my research. These companies knew most people cant afford a attorney, people look what is happening to me ...

Company response to consumer: Closed with explanation