BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: JPMORGAN CHASE & CO.
State: IL
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:
I was called on XX/XX/XXXX by a notifier representing XXXX XXXX law firm that paperwork was mailed to me and was calling to confirm paperwork was received by me. I asked them what this was regarding, and the representative said it was for a case represented by the law firm. The representative asked me to verify the address, I refused and I asked the number of the law firm so I could get more information. I then called the law firm on XX/XX/XXXX, they told me that they were a broker representing Chase Bank looking for request for judgment or mediation on a case open against myself. They told me I owed {$1500.00} and if I went to court I would owe {$4100.00} plus lawyer fees. I asked them when was this account from, they told me from XXXX and it went to collections and they gave me the card number. I told them at that time I did not have an account open with Chase Bank and I have had multiple credit check from XXXX until now and that specific account had never shown up on my credit report. They told me that XXXX had to remove it in order to send it to litigation and therefore I would not see it. I told them that I have not received anything in the mail and they then said they could email it to me. I told them I would be waiting for their email and verified mail paperwork before I make any decisions. I now see this is fraud because a lawyer must send paperwork via USPS and not via email if this was a open court case with the county I live in. I also check online via my county website to see if I had open cases against myself and the search came up with no cases against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX has not reported a credit card where I was added as a XXXX XXXX  authorized user. The card ends in number number XXXX and carries a {$2000.00} credit line. I would like them correctly report this to all XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1000.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2022 received a threatening letter of damaging my credit and selling of unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: IL
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 The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.

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 2022-05-16
Company: EQUIFAX, INC.
State: IL
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 The U.S. Department of Education - Account Number XXXX has violated my rights according to section 15-USC -1681 Section 602A states I have the right to privacy and Section 604 A Section 2 : also states a Consumer Reporting Agency can not furnish account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Back in XXXX I was in forbearance and deferment all the way up until XXXX/XXXX/XXXX. I always had a job and was able to pay something back towards my loan. XXXX XXXX never offered me any income base repayment plan options. When I really started looking into my accounts I realized they charged my account XXXX dollars in interest. I called Navient to see if the could remove all the interest or at least half and they declined it. That 's when Navient offered the income base repayment plan XXXX/XXXX/XXXX. Currently I 'm on track making my monthly payments of XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a Notice of Writ on Garnishment & a Continuing Writ of Garnishment Against Salary or Wages. The final judgment against me was obtained on XXXX XXXX, 2004. I am in Florida and the Statute of Limitations is 7 years. To protect myself I am filing a Head of Household Claim of Exemption & Request for Hearing in XXXX XXXX Court today. I have done research on the Plaintiff, Asset Acceptance and have found many complaints and class action lawsuits against them for illegal and unethical practices. I am very concerned about this as I am supporting a XXXX child on less than {$500.00} a week net and my employer has begun withholding 25 % of my net pay until the hearing is held and my exemption is ruled on. This company at one time froze a bank account that received direct deposit for child support and my minor child 's XXXX, while I was unemployed and a student, which is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
American Express sold my XXXX Am Ex card to XXXX XXXX without my agreement or signature. Interest rates and fee terms are changing in favor of XXXX XXXX. APY are rising 2 %, pay cycle is shorter, and additional annual fee requirement forces me to maintain XXXX membership to avoid this fee. 
Calls to Am Ex and XXXX resulted in " there is nothing we can do, call [ the other company ] ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: GA
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  Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account XXXX, Account 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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: Bread Financial Holdings, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I 'm currently finishing my XXXX XXXX enrolled full-time in an accredited university, and Navient has begun charging me for my XXXX loans. I 've explained to them that I am still in school and not working, and was told I could be put on an interest-payment only plan which would amount to around {$30.00} a month compared to {$150.00} a month. The next month, I was again charged the full amount and when I called them they said oh no I was not eligible for that plan. I pointed out that that was a direct contradiction to what I had been told the previous month. I was then told I do not qualify for any lower monthly payments but that I could apply for forbearance. I have tried to work with them, pointing out that I literally have no money coming in with which to pay them, but I was told I could either pay to put the loan in forbearance or I would have to pay the monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Fell behind on mortgage with Household Finance/Beneficial and made a payment agreement. Sent the first payment of more than agreed upon, but returned to me because it did not reach them within the date claimed ( takes time for mailing! ). The agreement was made after being denied for hardship assistance with the company, which in their denial recommended I do a short-sale or whatever, basically to get out. During this time I received several confusing correspondences within days of one another stating, thanks for the agreement, we want to help, etc. HUD does not assist on this company 's mortgages and HFC has a growing number of complaints nationwide on how they are taking back homes without working with consumers. I am one of them! Interesting that with 3 months of payments behind ( {$700.00} check sent back today ) that their interest in taking my home coincides with the neighborhood being deemed 'historic ', perhaps making this more valuable. Anyway, I am able to catch up over the next 4 to 6 months, but the company is claiming 'default ' and apparently about to start foreclosure. Our circumstance happened due to medical bills for XXXX and a garnishment I am resolving on my paycheck creating a better debt to income ratio within 30 days. HFC Beneficial has thousands of complaints listed online for foreclosures and difficult to work with. I am a witness and victim. Do NOT want to lose this home even though seems impossible to gain equity. Also they refuse partial payments, holding any payments sent in advance of a payment due without interest thus increasing the amount of interest owed - they apparently just hold it in escrow without applying any portion to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Commercial Trade, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HSBC contacted me after the mortgage was a year behind there website never works and they will not send any statements I have paid on this house for 16 years and now they have turned the case over to an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: FL
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 XX/XX/2022 I sent a letter to Equifax. The tracking number is XXXX. The letter was a dispute about this account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX When I sent the dispute letter Account Name & Number : XXXX XXXXXXXX XXXX XXXX XXXX Equifax violates 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Equifax did not conduct their investigation in 30 days or delete the inaccurate information.

Equifax did not do an investigation within 30 days after receiving my dispute. Nor did they delete the disputed account after 30 days Equifax violates 15 U.S. Code 1681i ( a ) ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

Equifax did not notify me at my mailing address provided in my dispute letter that an investigation is taking place If Equifax did in fact do an investigation they have not notified me of the results which would be a violation of 15 U.S. Code 1681i ( a ) ( 6 ) ( a ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

Equifax is in clear violation of several laws and by doing so violated my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Unknowingly responded to an email, see photo attached. My bank account was hacked, my computer taken over, while I was online on my bank acct. Funds were transferred without my permission through XXXX, which I never opened up or used, to XXXX, and XXXX in the amount of $ XXXX to each. I filed a fraud report with Bank of America, XXXX fraud line, XXXX, FBI and NM State AG immediately. BofA told me it would take XXXX days to investigate. No instructions for follow-up were given.

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 2021-11-21
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Medical Business Bureau XXXX XXXX XXXX XXXX XXXX, IL XXXX To : The XXXX XXXX XXXX XXXX for Medical Business Bureau From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was promised {$10.00} if I downloaded the app and started an account and I got the account but still haven't got my {$10.00}

Company response to consumer: Closed with monetary relief