BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: ME
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:
Car crash on XX/XX/20 My insurance totaled vehicle and paid XXXX what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by XXXX and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. XXXX  has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed.

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.

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 2017-01-10
Company: Penn Credit Corporation
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Square Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted cash app on multiple occasions to dispute 3 XXXX XXXX transactions, XXXX posted onXX/XX/XXXXXXXX posted on XXXX, and XXXX posted onXX/XX/XXXX. Cash app/XXXX XXXX  has refused to process the disputes. claiming they didn't know what transactions I was talking about. I sent them the screenshots on their banking app of the transactions. They claimed it would take them 10 business days just to assign the disputes to another representative from their email team then an additional 45 days to investigate. Using their chat form I am given the run around with them using the same templates requesting the same information from me such as my email all with no response. They are refusing to acknowledge or process my dispute process and giving me the run around whilst I'm out of over XXXX dollars from a merchant I have been unable to resolve the matters with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Well? It seems like American Express Bluebird and American Express itself not only are stupid 's ; they are so nasty that their nastiness fill up their air in XXXX all the way to above XXXX and XXXX and on the east XXXX XXXX, XXXX, XXXX and etc., etc., etc., helping me to realize from where were those disgusting NAUSEAS I had lately! ... FROM THEM!!. 
Attach to this new claim goes the letter ; in WHERE they 'think ' WILL APOLOGIZE TO ME WITH MY OWN MONEY!! HA! HAAAA! HAAAAAAAA!!!. 
I WANT MY MONEY!! ; and?? American Express YOU ARE A LAWLESS group of thieves ; I DON'T WANT OTHER ACCOUNT!! I WANT MY MONEY IN A CASHIER CHECK!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage that was finance in XXXX at the time it was an 80 % /20 % loan. WAMU/Ocwen had the 80 % and Chase had the 20 %. At loan origination it was XXXX ARM. while going through financial difficulty I called XXXX and Chase and XXXX refinanced my loan through HARP or HAMP at a lower rate of 3.875 % and fixed my rate but CHASE has decided not to Fix or lower my rate. Currently they are charging me 9.025 % on my loan. I have tried refinancing with them twice and they have refused. Can you please step in and help me get a better rate from Chase? 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
We became delinquent on a few of our accounts with Discover back in XXXX and then we made arrangements to have the amount deducted from our account since then and we have never missed a payment. We would call Discover each year and get an interest rate of XXXX for all the accounts. We trusted that they had done this and spent an hour going through this with them each time we called. Lo and behold we notice on our statement that the rates had gone up significantly. We called to ask for a different interest rate and they said there were no programs. Then we called again and again and they would say you need to call again next month. Finally after talking to several people they said they would send us a letter telling us why. We get this letter and it says RECENTLY we revoked your account ... We then called to see why and when did they revoke our account and they said back in XXXX??? Then during the conversation we realize that they had not reduced our rates all those times and we were paying them as if the rate was XXXX and it was not ( XXXX ) and we could have been paying them before other cards if we knew the rate was that high. This went on for several years and I found out that XXXX time they actually put the XXXX for XXXX account. We will never use Discover again. Of all our accounts that we owe from my husbands company going under during our XXXX XXXX we never had anyone treat us this way. NEVER, EVER USE DISCOVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-07
Company: GABA LAW CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX 2011 I had an accident while using a rental car from XXXX corporation. I was assessed a charge for that accident and paid in full in XXXX 2011 using a credit card. I have both the receipt for the payment from XXXX and the credit card statement showing the payment to XXXX. I also have the credit card statement the following month showing my payment of the bill from the credit card company. XXXX somehow did not correctly record the payment and after attempts to get me to pay the bill again and trying to recharge my credit card, sold the collection to a collection agency, XXXX and XXXX. XXXX and XXXX contacted me and I provided my proof of payment. XXXX year later I was contacted by a legal firm, Gaba Law threatening collection action. I again provided full proof of payment of the outstanding original bill. Now almost two years later Gaba has filed in the local, XXXX CA, superior court a lawsuit for collection of debt. I have tried to work with each of these corporations and provided them with proof of payment with no success. At this point I need to engage legal support in order to demonstrate and counter this frivolous lawsuit. 

Gaba has also filed a credit default with the credit agencies which is false. 

As Gaba indicates that any complaint should be filed with the FTC, the FTC directed me to the CFPB. 

Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-08-18
Company: WESTERN UNION COMPANY, THE
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife, XXXX XXXX on XXXX XXXX 2016 at XXXX XXXX sent a Western Union transfer XXXX XXXX from your Western Union agent near us at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX. 

I have the customer receipt and the Western Union USA response by XXXX XXXX XXXX XXXX 2016 where you state that this money was paid to the named recipient XXXX XXXX on XXXX XXXX 2016 in XXXX. The only problem is that our friend did not receive this money but was told that the money had already been received in XXXX and then she went to WU in XXXX. She was again told that this money was distributed and that she needed to contact WU USA which we have done via XXXX XXXX XXXX agency taking 3 weeks for a response. 

We asked WU the following, " Please advise what WU - USA / WU-XXXX are going to do about this? You have lots of small details on this document about our responsibility and a lot of information on protecting yourself from fraud on your westernunion.com website but this money transfer was given to someone else and not our friend and recipient XXXX - We asked them the following questions : 1. Where was the money given? What WU branch/bank etc? 
2. What ID was used to show that this person was indeed XXXX XXXX? ( Even if the person who picked up this bank transfer had all of the info, they would have needed to have an appropriate ID identifying as the above person. 
3. What is WU going to do? ( There is a young man who is unable to pay school fees and thus not able to go to high school until this is sorted out. He has XXXX terms left to graduate. 
4. Are there security cameras in your WU agencies in XXXX like the XXXX in XXXX. It seems like it would be very easy to track down date and time to see who was the fraudulent recipient of these funds? " We were told by WU that the case was close because the money had been received. If we wanted to reopen the case, this could only be done by the Police XXXX or the Police XXXX. We have visited the police in XXXX 3 times and our friend has visited 3 times to the police to XXXX. We have been asked numerous times by WU to do their job for them and we have gotten very little assistance from them like we would quit asking where is our money that was supposed to go to our friend 's son education?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MS
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 received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported 3-60 day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Equifax is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to XXXX and XXXX. However, Equifax then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX  60 days late? Equifax again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: WESTERN UNION COMPANY, THE
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I did a money transfer through Western Union. They charged a fee, which I knew up front and I am OK with that, well not really ( it was 7 % ), but at least I knew up front. A month later another charge shows up on my credit card. I called my card company to report fraudulent charge. The said it was n't fraud. It was their fee. They consider any transaction with any other financial institution to be a cash advance. I thought it was just another charge, as if I was out having dinner. They then informed me that was in my terms and conditions. If I knew I was going to have to pay over {$300.00} ( that 's 12 % + ) to get {$2500.00} to my son, I would either use my ATM card, have taken the chance and sent the cash over-night via XXXX for {$40.00}, or for {$300.00} I could have flown round-trip, spent some time with my son and handed the money to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX around XXXX pm I made a cash deposit to my account in the amount of XXXX my balance was XXXX before the deposit was made and XXXX after the deposit was made. Check XXXX in the amount of XXXX had not been posted to the account yet because if the check posted to the account my balance would have not been XXXX after the XXXX deposit. After the cash deposit was made my direct deposit came in the amount of XXXX around XXXX which brought my account to XXXX. I went to the local atm and withdrawl XXXX which came to XXXX after atm fees. clearly on my receipt it states my avaliable balance is XXXX. I want to know why my account was charged XXXX in overdraft fees for a check that had the funds in the account to clear. When I spoke to Chase they stated their processing time is from XXXX But my cash deposit was made around XXXX so why didnt it post immediately. I need the fee reversed because this is putting a hardship on me and stopping me from paying bills because lost of money. If the check posted to my account before i made the cash deposit then i would n't have had XXXX plus my deposit which came to a balance of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that The Best Service Company provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Penn Credit Corporation
State: FL
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 receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Chase Ink credit card advertises XXXX points for every {$1.00} spent on wireless services. On XX/XX/2016 I made XXXX transactions to pay XXXX bills. {$21.00} and {$2100.00} Chase did not award me XXXX points as expected. Upon complaining Chase claims that it is due to the way payment gets coded. This isnt something Chase explains to customers. I think this is a clear case of FALSE advertising and UDAAP Violation. I would like CFPB to help me solve the issue and get me the points I deserved to get in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-19
Company: Harpeth Financial Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I just looked last night. I have USPS informed delivery but that's not horribly relevant because the letter dated XX/XX/XXXX. Informed Delivery email states I received this letter onXX/XX/XXXX. For all I know, this law firm held the letter in an attempt to give me less time to respond. 

THIS LAW FIRM AND THIS 24/7 IS SHADY SHADY SHADY. 

If I didn't receive this letter until XX/XX/XXXX, assuming due to the heavy USPS mail activity during XXXX time, TECHNICALLY I had until XX/XX/XXXX to respond. I responded well within this time frame. 

That being said, this law firm filed a court case on XX/XX/XXXX. This is not even 30 days from the date of the letter, much less when I actually received it on XX/XX/XXXX. The letter ( as well as the law without letter ) requires a 30-day response from me. This letter even STATES this. 

Unfortunately, you will have to cancel this illegal court case because you are SHADY AS XXXX  and didn't follow the law. You filed on XX/XX/XXXX, NOT GIVING ME THE REQUIRED BY LAW 30 DAYS TO RESPOND OR LONGER. 

Even if this SHADY law firm is XXXX XXXX XXXX XXXX, all I have to do is send an attorney to the court hearing and say this was WELL UNDER 30 days and they will have no choice but to throw this case out. 

I love how this attorney THINKS they are above the law but they clearly are not. Where did they get their law degree. XXXX XXXX XXXX? 

As mentioned in another CFPB complaint, I will be happy to pay {$100.00} or even more to this client WITHOUT FURTHER INTEREST OR ANY ATTORNEY 'S FEES associated with this. If you want to fight it out in court, YOU WILL GET NOTHING. If you want to follow the law, that's fine, I can start paying on this at {$100.00} or more per month starting XX/XX/XXXX. 

I believe the balance I would like to pay on with XXXX INTEREST OR ATTORNEY 'S fees should be around {$1000.00} or {$1000.00} from the time I stopped paying on this account. 

STOP BEING SHADY, YOU AND YOUR TWO-BIT ATTORNEY and you'll start getting monthly payments regarding my account. 

If I have to show up or get served in court due to this court case, I will counter-sue this firm for monetary damages and time wasted. 

CFPB : PLEASE SHUT THESE PAYDAY LOAN COMPANIES DOWN. THEY ARE CHARGING HORRIBLE FEES AND INTEREST AND I WANT THIS COMPLAINT IN YOUR DATABASE PERMANENTLY, HOPING YOU GET MORE LIKE MINE and SHUT THEM DOWN EVENTUALLY FOR USUERY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Clearview Resolution Services
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received several message from XXXX at Clearview Resolution Services asking me to call him back by a certain time regarding case XXXX. I called left a message for him, telling him I am not the named person for whom he was calling ( asking for a XXXX, I am not a XXXX ) and he never called back. Today, I received a message from XXXX from XXXX threatening to serve me at a specific address or the place of work. He continued telling me that I needed to " sign '' for the paperwork or legal action will be taken. I have no clue what they are talking about nor do I care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collecter did n't verify collections, no contract, no signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Patenaude & Felix A Professional Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
My bank account was frozen by Patenaude & Felix, two days later I receive paperwork from this company letting me know that they received a judgement back in 2010. They went back to court last month and were able to levy my accounts to collect the money. My problem is I never heard anything about this lawsuit until now. I moved 7 years ago, this company filed the lawsuit in my old city after I moved. I know they knew where I lived because they were calling me at my new address and sending out letters. I was unemployed at the time and could n't pay and I told them so. I do not think its right that the first time I hear about this is when they freeze my accounts.

Company response to consumer: Closed with explanation