BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Beginning XXXX and XXXX and XXXX XXXX  XXXX is reporting a high balance of XXXX on a card with a XXXX limit. to all XXXX credit bureaus. I have called XXXX times and sent a certified letter to XXXX  XXXX asking them to send me the transactions that total XXXX. All I get are letters telling me that they are reporting the XXXX correctly but never send me the proof i ask for. 

I make XXXX or more pmts every month because the credit limit is so low i use it for my business and spend about XXXX during the month so to keep the card from getting to close to the limit I make pmts before the closing date.or as I use it. Im working on my credit so I can buy a house. My first one. Now with the XXXX high balance showing I can't get the house because the interest rate went from 5 % to 13 % and my score dropped XXXX points,. So all my hard work down the drain! I have a right to see where this XXXX is coming from and the way I have been treated by this company is completely undeserved. I never go over my limit and i always pay on time. or more.Yet i get ignored when i ask to send me this proof i need. 
I was turned down for a credit card because they said, balance relative to credit limit is too high. meaning a balance of XXXX on a XXXX credit card limit. My credit utilization is 4 % but with this XXXX showing It has begun to cripple my credit reports and keep me from ever getting a house at a fair rate. Im XXXX and I dont have a lot of time to put off buying a house when this high balance is not correctly being reported.and cant get any proof of this from XXXX  XXXX. They wont even let me talk to the people responsible for the report they send to the credit bureaus. I was told it does not get done by a human that it is all done by computer so i cant talk to anyone. The customer service dept says they cant see where the XXXX is coming from yet every month its being reported. I asked XXXX and Experian to remove it until the dispute was completed but they did'nt. Experian I disputed with 2 or 3 times but it comes back in a few days as verified and XXXX  XXXX added DISPUTE RESOLVED and it was not resolved.

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 2015-04-22
Company: JPMORGAN CHASE & CO.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is about a Credit Card Debt with Capital One that was sold to XXXX. These people repeatedly called my phone several times a day. They called family members asking them to verify my Social Security Number and posted a second complaint, and summons to go to court on the front door to my residence. Presently I am disputing this debt with the bank and even offered to pay them the purchase amount of the debt and court fees because I should have monitored my credit report appropriately. Since I had no other credit, live in public housing, am on XXXX and collect Social Security I told them I would pay them for expenses they incurred. Instead they are asking the court to make my pay the debt with interest, court fees, and the amount of the debt I am disputing with Capital One Bank. They are asking the court to force me to pay them out of my Social Security Check and VA XXXX payments which total {$1900.00} a month. Half of my benefits goes toward rent and the rest is for food, utility, and medical expenses not covered by the VA. XXXX XXXX attorneys are asking that I forgo medication and / or food but instead pay them with interest on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: WATERSTONE MORTGAGE CORPORATION
State: IN
Product: Other financial service
Sub-product: Credit repair
Issue: Customer service/Customer relations

Complaint:
I was referred to Waterstone Mortgage by a realtor. I was told to work with a gentleman named XXXX XXXX. After speaking with XXXX XXXX on the phone and him reviewing my situation he referred me to his colleague XXXX XXXX so that she could advise my husband and I how to get our credit started again. We met with her and she advised us to get a savings loan, a prepaid credit card and to become authorized users on a family member or friends credit card in which we did all of those things. The authorized user was false information. She also told us NOT to pay off any of the items that we owed on our credit report. Af the end of the 30 minute meeting she told us that we owed her {$300.00}. No cost was mentioned until the end of the meeting. My husband gave her {$200.00}. She said to do the 3 things she mentioned and call her back, we did and it took 2 weeks to hear back from her. She said to come back to the office to talk. We went back and she had lost our file, she said that she left it at her home and I found it odd that our file would be at her home. We had to give her all of our information again and the last {$100.00} that she said we owed. We paid her in cash she said that they did n't take debit or check. We did n't get a receipt and I know that is my fault but when we gave her the money XXXX XXXX was there, although I did find it quite odd that XXXX put the money in her purse. She then gave us one of XXXX business cards and wrote on the card that we would get {$300.00} off our closing costs when he got us financed. I tried calling and texting XXXX a dozen times or more and I never heard back from her. This originally took place the beginning of XXXX 2014. During the winter we saw a place that we were interested in and I happened to know the broker. The place had been sold but I told him that we were working with XXXX XXXX and he laughed and told me that XXXX had discretely quit Waterstone and was no longer in that line of work. I called him because I still could n't reach XXXX and XXXX told me that by rights she should refund my money. He then refereed me to his brother XXXX and when I told him what had happened and he said that XXXX was a family friend but he would never use her in his business because she checks out and goes to XXXX quite a bit. I learned my lesson but I feel like me and my family have been taken for money that we could have used and we trusted someone that was supposed to be helping us. I have XXXX children of which one has XXXX and I 'm paying more for rent than a house payment would cost me. I feel as though XXXX took advantage XXXX. Even if no action is taken against her I think people need to be warned about the way she conducts business. Thank you for your time and I would appreciate it if you would look into this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: United Revenue Corporation
State: TX
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt to Receivables Performance has been paid in full. The debt has been satisfied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid off my Chase credit card balance on XX/XX/XXXX. Shortly after I was charged interest even though my balance was XXXX. I called the bank and the bank removed that charge. 
Today on XX/XX/XXXX, I was charged interest again. The agent of the bank claimed that I was charged because of residual balance for two months after I pay off a balance. They removed that charge again. This makes no sense to me because I have no had any charged from the other credit card that I paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Receivables Performance Management, LLC
State: WA
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 received a bill from : Receiveables Performance Management, LLC, XXXX XXXX, phone : XXXX, for {$490.00}, for DISH NETWORK. I called their office XXXX times to dispute this bill. I was put on hold all XXXX times. I was never able to speak with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: United PanAm Financial Corp.
State: FL
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:
how is it possible that a person can be put in collection by two different companies for the same amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Chime Financial Inc
State: AZ
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:
On XX/XX/XXXX my sister notified me that her account had been hacked and numerous charges had gone through. She suggested I check my account upon review there wS numerous transaction I had never made including some in other countries I've never visited. I filed a dispute with chime and they immediately declined the claim with in a few days. The response I received is the charges did not appear to be outside my normal spending. I explained these were from places I've never visited and asked what I can do to appeal this decision and they said without proof I can not appeal this disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not consent to authorize nor benefit from the following account ( s ).

Block and Remove Pursuant to 15 USC 1692g I have not received a proper response.

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 2015-04-17
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Repeated phone calls from rude and harsh debt collector who do not state the specific reason of the debt and demand address and other personal information. The person also said in a threatening tone " well I have your address '' The collector spoke to me in a rude/scolding manor as if I was a child. Even after politely expressing that the collector was rude she continued to be condesending and rude interupting me every time I tried to speak. 
The collector also would not release any information about their agency.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The child support payments that I receive are deposited on to a Eppicard debit card by the state of Wisconsin. On XX/XX/XXXX I checked the balance on my card and discovered that there were 42 fraudulent charges to XXXX XXXX totaling {$330.00} between XXXX and XX/XX/XXXX and that the card now had a negative balance. It was clear that the transactions were fraudulent because I don't have a XXXX XXXX  account and I normally don't use the debit card for any online purchases aside from one or two specific places that I trust. I immediately called the customer service number listed on the card website. After waiting on hold for 62 minutes my call was finally answered by a woman with Eppicard. I explained the issue with the fraudulent transactions and I was stunned when she responded by being rude and accusatory, basically telling me that these charges had to have come from me or someone else I know. After answering all her questions she said they would have to close the account and issue a new card but it would be a {$15.00} fee to expedite the card to me. She then told me she would mail out a " fraud questionnaire '' to me which I'd get in 3-4 days and have to mail back. It would then take them 45+ days to conclude an investigation into whether it was or was not fraud!?! In the mean time, I am out XXXX XXXX because of the fraudulent transactions and the NSF fees that EPPIcard tacked on to the account! I have never heard of a legitimate bank or credit card company that operates this way! You would think that a legitimate card company would have a more expedited way to investigate and identify fraudulent charges! Most legitimate companies would have flagged these transactions as fraud to begin with! I logged on to my account today and see that the new card number is listed, but the XXXX charges, and the NSF fees are still on there. They even processed the XXXX transactions that were listed as pending yesterday! I don't feel that this has been handled adequately at all and I don't have faith that EPPIcard will do a thorough fraud investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Express Recovery Services, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I DONT OWE THIS AMOUNT. I HAVE PAID TO DATE {$690.00} WHICH WAS NOT CREDITED TO THIS ACCOUNT. i RECEIVED NO BILLS NOR EMAILS ABOUT GOING TO COLLECTION. I CAN PAY MONTHLY WITH NO PROBLEM I JUST NEED A BILL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-21
Company: GREAT LAKES
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX XXXX in XXXX XXXX, Illinois from XXXX and graduated in XXXX from XXXX XXXX XXXX program. Upon completion, I did not apply for the XXXX for XXXX until recently. I was told that I 'm ineligible to take certification exam because XXXX XXXX College was n't accredited with their association or the XXXX association. However, when I applied at XXXX, like many former students I was misled. I am stuck with an.outstanding loan balance. I ca n't transfer my credits or essentially utilize my diploma because of the fraudulent claims against XXXX. This school made false accusations, promises and claims that was not fulfilled. Many formers students can attest to this. The school is no longer in existence and what are we as former students to do. If the school has been found to have been fraudulent and accredited but wasnt ... ..why was loans and financial aud awarded to students. Why do I have to reoay a XXXX loan back and literally do n't have NO EDUCATION THAT I THOUGHT I WAS OBTAINING. The dept of ed has claimed to be investigating this issue for quite sometime but I have not yet received a response. 
I appreciate your time and consideration. I look forward to hearing from someone in regards to my issue. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1.this account is 7 years old its time to remove it 2.they are reporting as ( ok ) on XXXX and the last date they reported it was on XX/XX/XXXX 3. On XXXX they did not report since XXXX 4. Transunion they are not reporting at all 5. XXXX says the last payment was on XX/XX/XXXX 6.XXXX says last date of payment is XX/XX/XXXX 7. Transunion says the last payment was on XX/XX/XXXX 8. All 3 have different comment on that section This needs to be removed due to fcra Al due to date inaccuracies

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