BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank account at Chase was closed for no reason. When I ask why the account was being closed they said they reviewed and decided to discontinue doing business with me. The account was in good standing with funds in the account and a XXXX direct deposit. I had n't bounced any checks or have any overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: STONEGATE MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014 i was laid off work and have still not found full time work. I have been trying to get an many hours on as needed bases. Still not able to make ends meet my husband was in a accident in XXXX XXXX and off work XXXX mths. We really fell behind. Discussed with Stongate mortgage our situation and inability to make payments. They recommend we fill out a borrower assistance form. I did XXXX in XXXX of 2014 and I was told I had to send another XXXX cause the XXXX XXXX expired. The XXXX XXXX sent XXXX XXXX. I sent a hardship letter, expense form, pay stubs ( multiple times ), and bank stamens ( multiple times ). Every time I call them I ca n't get any information. Now they tell me I 'm in foreclosure after I have sent all these papers in. They tell me that someone has tried to contact me but I have no voice mails from them. This has been going on for about a year and no resolution. Please Help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received a loan XX/XX/XXXX DISBURSEMENT {$16000.00} I made payments totaling ( {$18000.00} ) with the last payment being XX/XX/XXXX. 

None of the payments were applied property to the account. The loan was sold off. I stopped paying the loan and making payments after speaking with Navient as to how my payments were being applied. 

I had {$470.00} in late fees over the course of XXXX years. 

From the report on Navient 's site I see ( {$3200.00} ) in interest over the course of the loan. 

Very quickly the amount should be {$16000.00} - {$18000.00} in payments XXXX late fees XXXX in interest = {$1800.00} should be the total I have called and called during normal business hours and they phone # tells me to call back during normal business hours. It is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: TN
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:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022 XXXX

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 2016-02-23
Company: USA DISCOUNTERS LTD
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016, I sent a validation letter to a USA Discounters XXXX an account listed on my credit report. The collection agency responded that they were not considered a debt collector as defined by the Fair Debt Collections Practices Act ( FDCPA ). They did not provide proof of debt they are claiming I owe. In the state of Texas, debt collection means an action, conduct, or practice in collecting, or in soliciting for collection, consumer debts that are due or alleged to be due a creditor. In addition debt collector means a person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. Therefore, I feel that they should respond to my request of validation for a debt they are claiming I owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
There was an account opened in my brother 's name and they used my card information. I found out today and called to request it be closed and cancelled and told them i did not authorize. I had already been charged 3 times and had n't noticed. I requested a refund for that account and was told I would only be refunded one payment even though the account was not in my name and I was being charged on my card. My card is in my name, not my brother 's name. They told me they delivered services so their end of the bargain was delivered.

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 2016-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This was a disputed civil judgement concerning some pet issues, which was paid through the court immediately. 
The vindictive plaintiff evidently in haste went ahead and filed this complaint to ruin my credit. 
Again the bill in question was paid immediately to the courts

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 2021-01-11
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/21 - account was locked for fraud and Citbank is refusing to unlock funds, fix payments or close acocunt

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 2021-01-03
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paypal.com sold a debt for {$270.00} to a collection agency, XXXX. I was able to prove to Paypal that the debt was not mine, Paypal agreed in writing that the debt was not mine and that they would cease all debt collection actions against me. I shared this info with the collection agency XXXX. XXXX did not respond to me ( I sent certified letters ) - but instead sold this debt to another collection agency, XXXX XXXX - which has forced me to start the process all over again. I'm concerned that even once I prove this debt is not mine, the current debt collection will just sell the debt and force me to repeat the process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have XXXX collection accounts, That i paid with the agreement to delete after payment was recieved through certified mail with the collection agencys. I am still seeing them on my reports speaking with a repersenative at transunion and XXXX both told me they had not recieved anything to change my report, I would have to send them a copy of the agreement, I have done as they asked and still no response, They have not been helpfull. XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX reported XX/XX/2015

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 2015-07-15
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I would like to go on record stating that I to was a victim of Honda Car Loan Discrimination XX/XX/XXXX. I purchased a XXXX Honda Civic for my daughter. The sticker price was for XXXX. By the time they added taxes the total price was XXXX. I was told they had to charge XXXX to activate the factory built ( Honda ) theft device. Which in reality all they did was give me the keys and showed me how it worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
CAINE AND WEINER SUED ME WITHOUT PROPERLY NOTIFYING ME AND COLLECTED ALL OF MY MONEY FROM MY BANK ACCOUNT ON A TIME-BARRED DEBT TWICE. I FILED A CLAIM OF EXEMPTION BOTH TIMES BUT EVERYTHING HAPPENED SO FAST I JUST DID NOT KNOW WHAT TO DO AND THE JUDGE DENIED MY CLAIMS. NOW WITH TIME I REALIZED THAT THEY VIOLATED CODE OF CIVIL PROCEDURE BY COLLECTING MONEY THAT IS TIME BARRED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: National Commercial Services, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I sent a letter to NCS-National commercial services - onto XXXX XXXX,2015 in an attempt to resolve a claim against me. I wrote in that letter they could ONLY contact me in writing at the address they had on file. On XXXX XXXX,2015 a representative from that company left a threatening voice mail ( at XXXX ) in an attempt " to educate me '' concerning the claim. They threaten to have my license taken away. The persons name was XXXX XXXX at ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: WELLS FARGO & COMPANY
State: CA
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 father had his new debit card stolen and activated early XXXX. On XX/XX/XXXX he noticed purchases had been made at the XXXX store and XXXX about an hour away totaling over {$7000.00}. He closed that card and asked for a new one. That one was also stolen and used to make a {$2700.00} purchase at another XXXX store on XX/XX/XXXX. Wells Fargo has refused to refund the money or look into the charges as fraudulent

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 2016-04-06
Company: AMERICAN HONDA FINANCE CORP
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a Honda CRF 250L Dual Sport Motorcycle financed through Honda Financial Services. I submitted my monthly payment on XXXX/XXXX/2016 and it cleared my bank on XXXX/XXXX/2016. I checked my bank account today and Honda Financial Services ( HFN ) had withrew another payment without authorization. I have attempted to contact their customer service several times and can not get through. There are several others in the same situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: IQOR US INC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller most likely appears to be Allied Interstate but I can not find any definitive answer on this as they have done an exceptional job of obscuring their identity. They number that they call from shows up as XXXX on the caller ID with a name of " Toll Free Call ''. 

Every business day for well over a month the caller has called me multiple times per day. Additionally they have made contact with me personally multiple times in a single day. Every time I have not answered the phone and let the machine get it no message is left. They obfuscate their identity on caller ID as it shows up as " Toll Free Call ''. The first time I answered there was no one on the line so I hung up. After that when I have answered I personally have told the calling company to never call me again. I have personally told them to never call me again multiple times in a single day. Each time when I have told them to never contact me again the line has disconnected. Below is a listing of the dates and times ( central time zone ) when they have contacted me and been told to not contact me. Additionally below is a listing of the times when they have called me and I have records of the call as I did not start recording the date and times of their calls at first. There are additional calls as my phone only records the last time when they called and indicates the number of times per day they have called before that. Each business day that they have called they have called multiple times. 

Dates and Times when I have told them to never call me again : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX Dates and times that they have called me ( incomplete list ) : XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/XXXX XXXX

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 2016-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Trans Union has failed to provide me with the documents that their company has on file that were used to verify the accounts that I disputed. Being that they have gone over the 30 day mark to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all info that can not be verified. Filing dates, types of Bankruptcies, dates paid are incorrect. 
Docket # XXXX Docket # XXXX Docket # XXXX Docket # XXXX

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 2021-01-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I spoke to a debt collector name XXXX from Jefferson Capital Systems llc in XX/XX/2020. I got a letter stating I owe a debt and I called the company and XXXX illegally lied and said he is an attorney and threatened me with a lawsuit and told me I had to pay 25 % out of my paycheck. I told XXXX that he is illegally impersonating as a fake attorney. He proceeded to argue with me and the conversation we had escalated. XXXX forced me to give him my personal information and he refused after I told him I dont feel comfortable giving my personal information over the phone. I called back the company the following day and they refused to take care of the situation. XXXX also told me that I shouldve paid my debt instead of spending all my money. XXXX also refused to tell me his last name when I asked him. 

Jefferson Capital Systems llc removed the debt collection off my credit report and are still garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax mailed me a correction notice regarding my original complaint. This notice shows that they corrected a portion of my mortgage account, however, they are still showing me as 'late pay ' for XXXX, XXXX, XXXX, XXXX ; which is incorrect. The document I provided in my original complaint listed all my payments for those months and did not list them as late pay. 
Please see the attached documents, which support my payments for those months as current and paid 'before ' they were due. 
These companies are purposely reporting my credit/scores incorrectly due to the financial struggles I had after the market crashed in XXXX. 
They are in violation of the Fair Credit Act. 
I have desperately tried to rebuild my credit, yet I have to continue to fight with these companies to report correctly. This is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
My daughter and me went to XXXX to go to the XXXX. I have a credit card with Chase bank with a credit limit of {$20000.00}. Plenty of available credit for the task. When we got there we tried to buy tickets at auction online. We had several good opportunities to buy tickets at a good price but my credit card kept declining. After a number of attempts I finally called Chase and they said they declined the purchases because of " fraud ''. There was no fraud. I have always paid my bills on time. As a result of this egregious violation of the implied customer contract we lost several purchase opportunities and ended up paying over {$1000.00} more for tickets than we would have if Chase honored their promise to me their customer. God help me if I were to refuse to pay them for no reason. They should be fined for this blatant dishonoring of the promised service they sell to customers. Given the usurious interest rates they charge one would think fraud prevention would be their problem to solve and not burdened on the backs of unsuspecting customers. Their behavior is criminally abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a Identity Theft Report with the FTC and local police department. I can provide scans of both. 
I then, submitted a complaint with the CFPB against XXXX XXXX, who said theyd stop contacting me and stop trying to collect this debt ( due to the fact I do not owe it - it was the result of identity theft. ) They went away but then a couple days ago I received a letter from LVNV Funding Llc. stating they bought the debt. 
I immediately sent a certified letter on XXXX to LVNV Funding Llc. with the identity theft report, the data breach letters I received ( that resulted in my identity being stolen ), as well as proof of identity, and a dispute letter ( due to this debt not being mine ). 

Ive attached a photo of the letter mailed, my identity theft report, and other supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief