BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX XXXX, I went in to make a bulk t-shirt order at The XXXX XXXX for my clothing business. I have worked with them in the past 3 times and had no issues until my forth time. They charged me {$400.00} for my order and we agreed on a date when the shirts will be done for me. Couple days past and The XXXX XXXX will give me the run around of when they'll have the shirts done. 
By XX/XX/XXXX I asked The XXXX XXXX for my money back if they were not going to do my order. 
I didn't get a response back. I texted them again that same day and got no response. So I filed a claim with my bank. My bank did give me my funds back that same day. Today XX/XX/ my bank took the {$400.00} and credited it back to the merchant. I called Chase which is my bank and they told me the reason why they credited the money back to the merchant was because the merchant provided a receipt stating that once I pay I agree to my order being picked up. At The XXXX XXXX, that was never brought up and it was a requirement for me to pay the full amount of money in order to even get my shirts done. I have the text messages of me texting the owner of XXXX XXXX XXXX which his name is XXXX. The phone number Im texting is also linked the business if you search it up on XXXX. I tried my hardest to getting in contact with the merchant and they just ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: FEDChex Recovery, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been contacted at least seven times by call from " No Caller ID '' who calls and immediately hangs up. They then leave a message that seems recorded, saying they are from FCR services calling to collect my debt and that I need to pay my outstanding balance. They do not say my name or the amount I supposedly owe. They then proceed to give the phone number : ( XXXX ) XXXX and the website paymybalance.com. Yet when they leave a voicemail, I can see the number they are calling from. They have used the numbers : ( XXXX ) XXXX ( called on XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 ) and ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ). Another time they called, I was able to answer before they immediately hung up so they couldn't leave a message. Today I started receiving text messages from XXXX. In the text message, they include a website to find more information at XXXX. Not only are they calling about a debt I do not have. They are also impersonating a real debt collection company. The website and phone number for FCR Services are different than what they leave in the voicemail. Even the website to pay the balance to the real FCR Services is different. The fake website to find more information is obviously fraudulent and clearly a scam website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I did not consent, nor benefit or authorize any of the following inquiries : Inquiry - SYNCB

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 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against CAPITAL ONE AUTO FINANCE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted CAPITAL ONE AUTO FINANCE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that CAPITAL ONE AUTO FINANCE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I had identity theft that resulted in the creation of the account. The identity theft occured from a roommate who lived at my property and had access to my mail. Through illegal activities including physical theft and identity theft, they opened this account fraudulently and used it to acquire merchandise that I did not authorize, benefit from, participate in, or allow. The police were notified, the FTC was notified, the credit bureaus were notified, and in spite of numerous police reports, direct complaints, indirect complaints, and disputes, they remove to remove the information certified its accuracy under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this fraudulent account coming from Caine & Weiner, after looking into the alleged debt in all three ( 3 ) Credit reporting agencies XXXX, XXXX, and XXXX I then moved forward to dispute this alleged debt with Caine & Weiner. 
I sent Caine & Weiner a letter of dispute with a conditional communication via mail correspondence only. 
I did NOT receive a response from Cain & Weiner. 
Caine & Weiner did NOT send me lawful validation of this alleged debt pursuant to 12 CFR 1006.34 - Notice for validation of debts. 
XXXX XXXX found Caine & Weiner in violation of Identity theft for obtaining my information under false pretense and furnishing without having permissible purpose of the consumer. I will provide documents that support my claim. 
Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) They Are PROHIBITED BY LAW to furnish any public information without informing me about, which Caine & Weiner continues to furnish my public information without having permissible purposes, from [ XXXX XXXX ] pursuant to 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity theft.

These are the violations of Consumer LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting 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:
Opened my first credit card with Capitol One Financial Corp in XXXX with {$500.00} limit. Ive worked super hard to get an increased limit of {$7300.00} as of XXXX. 

Heres the issue. Capitol One last reported to XXXX XX/XX/XXXX. As for XXXX XXXX XXXX they have no records of my account with Capitol One. Capitol One claims they report to all 3 Credit Bureaus every 30-45 days on their website yet this is totally incorrect and legitimately hurts my credit score based on average account age. As mentioned this was my first credit card and I trusted Capitol One to do right by consumers including myself. 

Spoke to representatives on numerous occasions and all that i was told was to file a dispute via writing a letter and sending it via postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet SANTANDER CONSUMER USA is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. SANTANDER CONSUMER USA reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX and XX/XX/ I made a partial payment of {$500.00} & {$500.00} towards my mortgage. It was applied to my escrow account versus my regular mortage payment. I received a letter in XX/XX/XXXX stating that my mortgage payment was 30 days late and would effect my credit score. I immediately called and tried to speak to someone to clear up the error. I was Not 30 days late it was just on the wrong account. This has had a major impact on my credit and I have not been late prior to this incident. Im contacting you to reverse the 30 day late on my credit report due to it being misplaced to my escrow account. It has been corrected and applied to the right account, but its stll effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Shellpoint Partners, LLC
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After I filed a dispute with XXXX, Shellpoint Mortgage doing business as NewRez stated that I still had a mortgage on the property I previously owned at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I closed on this property and transferred title to this property on XX/XX/2023. Shellpoint continues to report inaccurate information to XXXX despite the evidence that I closed on this property on XX/XX/2023. Shellpoint dba NewRez even sent me an acknowledgment that my mortgage was paid in full. A copy is attached for your reference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I received XXXX undisputed insurance checks to repair my kitchen and my roof. The check to repair for the kitchen was {$12000.00} and the roof check was for {$11000.00}. After several back and forth, I was told the kitchen check release has been approved on XX/XX/XXXX and a check written ; however, they will not send out for another XXXX to 10 days (??? ). The roof check will be monitored because at the time of loss, XX/XX/XXXX, my mortgage was behind. Please note, the mortgage was caught up by XXXX Assistance program in XX/XX/XXXX. The problem is the insurance company sent out a partial payment for the roof which is estimated at {$27000.00} to begin the work to re-roof. The insurance company gave us money to begin the repairs, now the mortgage company also want to monitor and give us one-fourth of the {$11000.00} check and hold the rest until the XXXX completes 95 % of the job. Hence, they will not start the job with a {$2900.00} check. I understand the mortgage company wanting to monitor repairs but to cause double jeopardy and hold part of a partial insurance payment is inconceivable. Keep in mind, the mortgage company 's threshold of {$40000.00} before monitoring. At this point I feel like they are doing this because I am XXXX and poor. XXXX is good and they will not take my property. They didn't last time and they will never. So, to treat us different because of late payment is wrong. XXXX thing has nothing to do with the other. I pay my private insurance through my escrow not Fay Servicing. I have also submitted the XXXX estimate and the lien waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Arcon Credit Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Asked the debt collector to stop calling still called with numerous spam numbers, now they are reaching out to my family members telling them for me to call them to resolve my debt and is giving my family all info regarding the debt, from who I owe to all the info to pay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a XXXX Credit Card from Synchnrony bank. 

A while back I had problems making payments. I called Synchtony bank and agreed that I will close this account and start making fixed monthly payments until the account is paid off. In return, Synchrony will not charge me interest or late fees. 

However, for the month of XXXX, I was charged {$840.00} of interest. 

I called Synchrony bank to reverse this charged, but they refused to reverse it claiming that the charge was accumulated interest on promotional balance.

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 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
I have an account with Capitol One that closed my account & now I dont know where my money is, I dont have access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: SANTANDER HOLDINGS USA, INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Yesterday, on XX/XX/2023, I was alerted by both XXXX XXXX and XXXX that a hard inquiry was made on my account without my authorization. I would like to bring to your attention that I did not apply for any credit cards or authorize any entity to perform a credit check. This discrepancy has caused concern regarding the accuracy and security of my credit report. I would appreciate your assistance in rectifying this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: CCS Financial Services, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company CCS Collection Systems and XXXXXXXXXXXX XXXX XXXX XXXX As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement.

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted Resurgent/LVLV Funding several times and asked for the harassment and furnishing of inaccurate information on my consumer report several times, yet you refuse to do the right thing. Before I continue to resolve and redress the damages and injuries done to me by your company. First things first, YOU HAVE NO RIGHT OR CONSENT TO HAVE MY PERSONAL INFORMATION. I have never given your company any written statement or right to harass, abuse or contact me. I have asked for you to cease and desist all communication over and over yet you still continue with the abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1.LVNV Funding LLC balance {$940.00} no action was taken by the company XXXX balance {$750.00} no action was taken by the company XXXX ) XXXX balance {$1100.00} no action was taken by the company XXXX ) XXXX XXXX XXXX balance {$280.00} no action was taken by the company XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance {$230.00} no action was taken by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail that I did not apply for. When I called the company they cancelled it and provided me with information for the credit reporting bureaus. I asked if they could tell me how it was applied for and they advised that they didn't have that information. I want to be able to better protect myself but wanted the information to help with that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card information was stolen and used in 4 different unauthorized transactions totaling {$8100.00}. I immediately called Wells Fargo to dispute the charges and was told the investigation would take 10 business days to complete. After waiting to hear from Wells Fargo with no update I called and was informed my fraud claim was denied and I was responsible for the charges. I then went and filed a police report with the City of XXXX in South Carolina. Case number is XXXX. I then went to my the local branch where I was informed that Wells Fargo would not reopen the investigation with no clear reason given why and that my only avenue would be to file a complaint. I never received fraud alerts on these amounts for approval. I called one of the websites that was used to steal my money and they informed me that they had already closed the account that was used in the transaction due to fraud and to have my bank contact them to resolve the issue and Wells Fargo refuses to do their part, after having an investigation open into my account for 10 business days they never even contacted the locations that were used to make these fraudulent transactions and basically told me that its my fault that someone stole my money out of my account and they will not do anything about it.

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