BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was paid by the maker of a check drawn from a XXXX account. I deposited this check into my Chase checking account. Chase transferred the funds from XXXX to Chase, but refused to credit my account. In addition, they have now frozen and closed my account. They have refused to provide any explanation as to why they have done this. They also refuse to contact the maker of the check, or XXXX. The result : 1 ) the maker has had the funds withdrawn ; 2 ) I do not have the funds ; 3 ) Chase refuses to make these funds available to me. I believe that Chase has committed fraud. I have contacted Chase by phone and in person and they refuse to provide information of any kind to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Payfare International Inc.
State: IL
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:
I originally used my virtual card provided by XXXX XXXX  for XXXX XXXX XXXX XXXX to purchase what was supposed to be one item for XXXX. The company charged me an additional XXXX dollars for an item I did not authorize nor approve. I tried reaching out to the merchant several times just to be forced to deal with spam bots and robo dial systems that do not allow you to reach an operator. I also email the company and used their internal contact us form. XXXX XXXX claimed that they were not going to process the refund nor a dispute because I authorized the first transaction for the XXXX even though the other XXXX dollar transaction was a fraudulent unauthorized transaction I immediately tried to flag and also contact the merchant for. XXXX XXXX refuses to process a dispute or refund for the charges. I have already contacted the merchant and still have not received any product from their company nor official response. The number provided for the company is a robo system that hangs up on you no matter what time you call and it says you have reached them outside of business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was charged {$470.00} appraisal fee. Royal United Mortgage emailed me all terms related to loan. They were informed this is a permanently fixed manufactured home. Before and after appraisal I was never contacted by co. Had to seek them out to find they did not want to go thru with loan. My credit rating is XXXX. My income is sufficient. The loan I have is FHA. I would like the appraisal fee returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Hi! 

I have a Chase credit card. When I updated my phone number and address on XX/XX/2016, the change did n't make its way through all of Chase 's internal systems. When I submitted a dispute for a transaction, Chase only talked with the merchant, who gave false information, and closed my case without issuing a refund for a refundable transaction. They never reached out to me for information. When I finally got to speak to their dispute department, the response for having the wrong phone number on file was, " you should speak with customer service ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notification that they placed a collection on my credit report. I have no clue where the Debt came from! I contacted the company ( Central Portfolio Control ) to get some answers and no one could help me and wasn't able to verify any debt I allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
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:
I already sent few rounds of complaint to your company but you still posting this negative information on my name. Its not mine! Im sure that someone used my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Credit determination

Complaint:
I applied for an Amazon credit card about 5 months ago and Chase approved that XXXX, but denied my application for a Chase Slate credit card saying I applied for too many credit cards within the last 24 months. So I tried to get a Slate card within this new year of 2016 and the denied me again and now my credit score will have a big ding on it and I have good credit. ( or did ). I would think this new year would be not involved in the past 24 months and I feel it is very unfair for Chase to include my new application in it! Does the fact you have good credit not mean anything to Chase Bank!!?? As long as your credit is good and you have been paying ALL your bills on time, it should n't matter how many cards you apply for. NOW my credit score will go down for NOTHING!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I attended a for-profit institute in XXXX XXXX, MI owned by XXXX Colleges. The XXXX closed them down and stated that what they did was against the law and they forgave our federal loans and we were told that the private loans that originated from XXXX, owned by XXXX Colleges and now UASXXXX, should clear those loans. I have stopped payments due to what the federal government has stated. They now call me and my mother everyday saying that we need to pay even though I talked to them and told them what the XXXX had said.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed a time barred debt that XXXX XXXX XXXX re-aged with Experian requesting documentation by certified mail and online. On 3 separate occasions XXXX certified that the debt was accurate without providing any documentation and in each case Experian accepted the certification within 48 hours of a legitimate dispute. The alleged debt wasnt correct 12  years ago but Experian in each case accepted the debt as accurate and to date will not delete these incorrect and false delinquency reports. With my belief than neither XXXX or Experian will comply with lawful requests, I requested Meridians California agent for service in order to file a lawsuit only to find that Meridians agent for service is a Mail Boxes Etc. address which is illegal by California law making it impossible to sue them in California.

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 2022-05-13
Company: EQUIFAX, INC.
State: IN
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:
n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, XXXX, XXXX, ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX21 I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days. I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt was sent to a collection agency before I could get it paid, I paid the Bill 's and I was informed that the collection agency would delete from my credit report. As of XX/XX/20 it has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied and received an AMEX with a bonus of XXXX bonus points after {$3000.00} spend was met. My spend was met on XXXX XXXX, 2016, and my points posted on XXXX XXXX, 2016. I have tried and called several times to get my points transferred to my airline of choice. I was told that the points would be credited XXXX8 weeks after the spend was met. My points have credited. I ca n't spend my points. I was told it would be XXXX8 weeks. It has been over 8 weeks since my spend was me. I have been told by over XXXX people at AMeX that my dates for available points were, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attempted to get my points transferred to no avail. However, I AM able to use them as credit on my statement. As seen in the attachment where they credited them back for me. My points should be available for use now. As of today XXXX/XXXX/16, I again spoke with someone else who has informed me that every time I attempt to transfer my points, it pushes me further down the line for my points to be available. Really? What kind of reward is this. I paid {$450.00} membership for a rewards card that I ca n't get my rewards on. Also today, the conversation I had with the representative from AMEX informed me it 's XXXX8 weeks from the time my {$3000.00} spend is paid off. REALLY?? that was no where in my membership agreement. I know my balance was paid, but that does n't have any bearing on when my points should be able to be transferred. Stories are being made up on a daily basis. The attachment shows charges added through XXXX XXXX went way over the {$3000.00} spend ( not including the {$450.00} membership fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: IL
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2018-01-30
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ordered {$500.00} worth Gift " Cards '' for the holidays from the american Express Website. Paid using my American Express card. Received someone else 's order for {$350.00} worth of paper gift " checks ''. When i called to complain about the wrong order they said that the cards have already been used and they need to " investigate ''. My credit cards got charged for the {$500.00} ( + fees ). I have someone else 's {$350.00} worth of gift checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: TX
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:
There are many mistakes appear in my report without my understanding.

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 2021-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection for XXXX XXXX XXXX with account # XXXX is reporting on all 3 of my bureaus as a medical debt that does not belong to me. I have sent countless evidence to all 3 credit bureaus XXXX, XXXX and experian that remove the negative remark however, they keep re adding this collection to my credit report every 30 days which is really upsetting me considering the fact that I am trying to apply for rental properties and this is severely hurting my credit. This account does not belong to me and is a result of identity theft and fraud whereas I should not be affected by this and still dealing with this issue.

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 2016-10-28
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bought a vecle from XXXX XXXX. They arranged financing with Ford Credit. Throughout the terms I was contacting the dealer and the finance company. Concerning the conditions of the car they sold to me. Payments were made and some missed. Ford Credit threatened to repossess the car. As an option I went to several of the local dealerships. None would approve a trade except XXXX. Who accepted the car and under appraised it 's value. The stuck me with the their car. There 's a complaint on file against XXXX XXXX as well. A review of my credit report shows Ford Credit charged the car off. That 's a lie. XXXX took the car and did n't report the trade for two months. As a part of this Ford Credit is liable for a Privacy Violation. Of which I am trying to find an attorney to take my case. It involves Ford Credit XXXX XXXX and XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
Midland Funding has breached the consent order with the CFPB filed on XXXX XXXX, 2015. Midland has violated the order by not providing the required documentation from the CFPB, as the affidavit of sale from the original creditor does not mention, directly or indirectly, any account sold. It specifically does not mention the account that I am being sued upon. As stated in the consent order, section XXXX, Encore, or its subsidiaries ( including Midland ) are permanently restrained and prohibited from initiating a legal collection lawsuit unless it is in possession of a certified bill of sale evidencing the transfer of ownership and, " EACH OF THE DOCUMENTS EVIDENCING THE TRANSFER OF OWNERSHIP OF THE DEBT MUST INCLUDE A SPECIFIC REFERENCE TO THE PARTICULAR DEBT BEING COLLECTED UPON '' ( CFPB consent order sec. XXXX ) The documentation they have provided does not reference the alleged account and the date on the bill of sale and the date that Midland states that they took ownership does not match. I have stated that this account is not mine, I have never heard of Midland Funding until I was served with the legal complaint. Midland can not provide not one signature on a purchase, application, or certified mail, they can not provide me with the credit card terms from the alleged original creditor. They can not produce one single time and date that they have ever spoken to me on the phone. I do n't even have a clue as to what their end game is. I have no money, I do not own any assets, I have XXXX kids, and my bills are more than my salary. Yet they are perfectly willing to ruin my life over a bill that they have n't proven is mine, or that they own. All over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I recently purchased a vehicle through a XXXX in XXXX XXXX, NY. My loan for thevehicle was financed through XXXX Bank. 
On XXXX/XXXX/15 Honda Financial sent me aletter stating that they had been unable tooffer me credit " on the terms originally requested '' and that " our subsequent counteroffer has sinceexpired. '' The problem here is that I have nodocumentation of Honda Financial ever making aloan offer to me, nor do I have any record ofHonda making a counteroffer. The referencenumber on the letter from Honda is XXXX. Furthermore, Honda said that I couldobtain written documentation on reasons for theirdecision by contacting their XXXX, XXXX officeat ( XXXX XXXX XXXX. But when you call that number, Honda claims that you need to make the requestin writing. Their XXXX XXXX letter to me makes noreference to the need to make the request inwriting, versus by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: M&T BANK CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, XXXX, I paid in full the FHA mortgage loan began with M & T Bank on XXXX XXXX using the amount of payoff given to me verbally. Within an hour ( EST ), I sent my check via US Priority Mail ( tracking number XXXX XXXX ) signed by one of their officers. The check # XXXX for {$160000.00} was drawn on XXXX and it was received and signed for. A week later after questioning the process, a bank representative transferred my call to another officer for clarity. I learned then that they had not posted my payment as final for it did not arrive at their office. I sent the check to M & T Bank, XXXX. MD. XXXX. A day later an officer returned my call stating that the check did come but the amount quoted was n't accurate and they now wanted to take this ( mysterious amount ) from the overage in the escrow account which then had {$870.00}. Without knowing whether this was legal, or right, I sought the advice of a lawyer who called on my behalf -only- to get the " run around ''. He suggested that they probably were wrong and to make a formal complaint as a consumer to your office. To date, I have three different letters from three different offices requesting more money -adding interest- as though the cashier 's check -had not arrived timely and the full amount of the payoff was incorrect. I used the figure quoted through XXXX XXXX, XXXX in the amount of {$160000.00}. For your records, I have a copy of the Priority mail express receipt showing that the letter would arrive by XXXX of XXXX XXXX, XXXX. My question to you is this, why if I paid the full amount quoted to me that would close the mortgage loan in full as stated, would this bank recompile another figure and take it from my accumulated escrow balance. And if this is an FHA loan, should they be allowed to dupe the consumer in this way? Such dishonest? 
I do not have the where-withal to attach the official check, the priority mail receipt, the four letter stating the balance on the closing day of XXXX XXXX if XXXX with Interest through XXXX XXXX, XXXX calculated at XXXX, pro rats MIP of XXXX and recording fees of XXXX total amount to pay off loan in full ... .. XXXX. The letter then said, the current escrow balance is : XXXX. 
The following clause : An additional month of interest is due if payoff funds are received after the first business day of the month, all figures are SUBJECT TO CHANGE. This statement expires on the last business day of the month. Figures must be updated after that date. In addition, figures will be adjusted if any transactions such as escrow advance, payment reversal, or fee assessment take place ....

Company response to consumer: Closed with explanation