BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I went to XXXX XXXX XX/XX/XXXX-XX/XX/2016 stayed at XXXX. Made a complaint, I used my Southwest Chase Credt Card, the room was nasty I took pictures of hole in ceiling, dirty carpeting, and ottoman with XXXX stains on it. They moved me to another room and told me by email the charges was going to be comped off. I got my bill which was disputed by Chase and was told the charges was remain, I have email from XXXX stating they comped off the charges which was not. Was told to send email to XXXXXXXXXXXX, then told to send to XXXXXXXXXXXX. well no one has responding and I have a charge on my card for {$160.00} which I was told in email they would comp off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: EQUIFAX, INC.
State: GA
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:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My hours at work were cut because of Covid19 and I was unable to make payments on time for 2 months. I asked for a deferred payment plan and for the late payments to be removed. I has given a new payment plan but I still have late payments on my report. Before covid and even a while after, I have never missed a payment. I don't think it's fair for me to be penalized for something that was out of my control. My account is now paid up to date and I would like for that to be updated on my credit report. My balance and current payments are also incorrect. It is showing I have a balance of XXXX but my account is showing 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 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card
Issue: Late fee

Complaint:
Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Harris & Harris, Ltd.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Kimball, Tirey & St. John LLP
State: CA
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:
In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Recently, On my XXXX  report, I disputed the two XXXX XXXX XXXX trade lines.The two closed  account have separate account numbers.I disputed both closed accounts for incorrect information and requested both be deleted from my XXXX report.On XX/XX/2020, I recieved the results from the dispute from XXXX  and both XXXX XXXX  trade lines was deleted as I requested.The Two XXXX  XXXX XXXX  trade lines on my Transunion report are showing closed and Im requesting the two trade lines be Deleted .Therefore, Im requesting the two XXXX XXXX XXXX trade lines/accounts be deleted/removed from my Transunion 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 2016-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Capital one 's collection agency keeps calling me non stop. I lost my job and in the interim I thought my business would take off and it has n't yet. This has been going on for several years before my son passed away in 2013. They sent me emails pretending that they were the XXXX of VA and I have a warrant out for my arrest? Plus they had someone call my cell phone saying he was XXXX and he was coming within 24 to 48 hours to give me a summons? The bill is around XXXX dollars. I want this game over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: PA
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:
A previous address listed under the Personal [ I ] nformation tab of my profile with Experian is reported as a TRADE CONTRACTOR-SPECIAL TRADE, pertain [ ing ] to a business. Having therefore not resided there for several years, any activity associated with this address should necessarily not have anything to do with me. As such, I insist that this information be removed from my credit file/report at once. Same goes for another address listed with Experian. Although, I should add that the latter was an assisted living facility ( i.e. business ) when I was there briefly. I, however, resided in an independent flat/unit, hence address characterisation/description XXXX 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 2020-06-16
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX  should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I would like to dispute a Capital one Bank USA located on my credit report. This Account has a Balance owed of XXXX and was opened on XX/XX/2011. This account is listed in error and should not be on my report. Can you set up a dispute and send the findings to my mailing address XXXX XXXX XXXX, XXXX NY XXXX. Can you also request from the company any and all documents which substantiates ownership?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: CarMax, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought the car on XX/XX/XXXX, the check engine light comes on and its in the shop on XX/XX/XXXX. The car auto stops in mid traffic. I take it to service on XX/XX/XXXX, they say nothing is wrong. I get in an accident on XX/XX/XXXX from the car stopping on me. I take it for service in XXXX, they still claimed nothing was wrong. I take it drive it the auto stop doesn't even come on anymore, as if the car has been tampered with. On XXXX XXXX, XXXX that car sporadically shut down due to an autostop while Im driving in traffic, they repossessed it from non-payment XX/XX/XXXX, I am on XXXX leave from the accident and they don't care which means Im just out here. I need the car for therapy appointments but they also need a new engine on it. They also took all my ids, cards, car seats and parking stickers for my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Other

Complaint:
I received a phone call from XXXX. It was from Card Services. I waited on the line to speak to someone to tell them to remove me from the list. A man answered,. so I told asked him to remove me and not to not call back. He proceeded to say, I dot want to. I said again, remove me or I will report you. He said, I do n't feel like it, Give me {$10.00} and I will then remove you. So I told him I would report him, again, and hung up. I am on the National DO NOT CALL LIST! When you try to call the number above back, it goes to an automated recording, saying the person you are trying to reach is unavailable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-12
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Bank froze my accounts due to fraud concerns - they highlighted multiple names associated with my SSN based off a Lexis-Nexis Accurint report. I called Lexis-Nexis, which indicated that XXXX XXXX and XXXX XXXX have my SSN. I have recent versions of my XXXX CRA reports but none indicate these names. Lexis-Nexis is pointing fingers at the CRAs, but the CRAs do n't seem to have any idea what Lexis-Nexis is talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CCS Financial Services, Inc.
State: KY
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:
A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. 

The problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. 

I have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. 

Although they provide no account number, they provide a PIN number which is conveniently my zip code. 

Doing a brief web search, it is clear this company repeats this pattern on a regular basis. 

( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Byrider Franchising, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2016 I received a call from XXXX at CNAC at my place of employment. XXXX called a different department asking to speak to my Supervisor not knowing that the person she spoke with was a Supervisor. The Supervisor asked what was the call in reference to and asked her was it in reference to my kids. She would n't give them a any information but stated that her name was " XXXX '' and proceeded to ask to speak to my Supervisor so this particular Supervisor directed the call to my office but I was unavailable at the time. Fortunately my Supervisor was able to get the number off of the Caller ID so I would be able to call the number back. After calling the number back and asking for " XXXX '' she stated that her name was XXXX with CNAC. XXXX continued the conversation by telling me that if I did n't pay them that they would take me to court and garnish my wages. I stated to XXXX to come and pick the vehicle up and do not call my place of employment again and hung up the phone. After hanging up the phone XXXX called my place of employment right back and proceeded to harass by telling me how rude and disrespectful I was and that they were going to take me to court and win and garnish my wages. I told her to speak with my attorney and she told me that I did n't have an attorney and then I hung up the phone. That day I went and filed for bankruptcy because of the threats and harassment so that she would not continue to call my place of employment. After filing for bankruptcy CNAC started reporting negative information to the credit bureaus. CNAC also called my place of employment several times before this incident. I also purchased another vehicle from an actual dealership and they called CNAC for some information and CNAC called them back and stated to them to not sell me a vehicle because I would not pay them but if you look at my payment history they were always paid for the past ( almost ) 2 years before this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Brightfunders, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It has now been 148 days attempting to refinance my mortgage with XXXX I have been dealing with XXXX XXXX ( nmls id # XXXX ) since the beginning of this process and he has been helpful up until 3days ago when I informed him I would be filing complaints. At which point he informed me that would not help motivate people to close my loan and woukd serve no purpose. XXXX XXXX, whoever that is, was recenbtly also supposedly working on this loan along with the lead underwriter XXXX. It is simply impossible to get anyone to answer a phone or communicate with anyone other than the broker I started with. The underwriter supposedly is asking for some ridiculous items to close my loan but I have not received a definitive answer as to exactly what is needed nor any direct way to communicate with underwriter. I am now forced almost 5 months later to go with another lender after already paying for a home inspection which has now expired. This is completely unprofessional and theft. I hope this company is banned from writing loans in the future and these people are held responsible for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint/New Rez Mortgage Servicing continues to misrepresent amount owed, not applying payments to account and creating shortages to escrow account. On XX/XX/2021, I sent a letter with proof of payments stating funds were not credited properly and how this cause a shortage in escrow account and an issue with the amount of interest charged for the month of XX/XX/2021. Shellpoint responded on XX/XX/2021, with errors, mistakes and not applying a payment received to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute the CARGES ON MY STATEMENT DATE XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX {$210.00} XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$240.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$210.00} These charges were originally on my card ending with XXXX. That Card was canceled and a new card was issued. These were disputed as fraudulent charges and I received credit on my statement dated XXXX. 
I was surprised to see these charges put back on my statement DATE XXXX I did not receive any notification on this. 
I called the customer service on the week of XX/XX/XXXX. They said there was a mistake and she would fix a code in the system. This did not happen. 
I called the customer service on the week of XX/XX/XXXX. His name was XXXX XXXX said the charges would be revised in a day. This did not happen. 

I called the customer service on XX/XX/XXXX There name was XXXX there ID is XXXX She said these charges would be revised in 48 hours. This did not happen. 
This is sad I do not get an honest answer from your customer service employees

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 monetary relief
Consumer complaint received 2022-05-16
Company: DISCOVER BANK
State: IL
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 logged into the XXXX website to check my credit report on Thursday, XX/XX/XXXX. I noticed several fraudulent accounts opened in my name. I immediately reported the fraudulent negative accounts to XXXX and I reported the identity theft to my local police department on XX/XX/XXXX. XXXX explained to me that in order to have the accounts removed or deleted I had to file a complaint with FTC.GOV. The fraudulent accounts are listed below with the dates that they were opened. 

XXXX  XXXX : Opened on XXXX, XXXX, XXXX for {$190.00} XXXX XXXX : Opened on XX/XX/XXXX for {$15.00} XXXX : Opened on XXXX, XXXX, XXXX for {$2700.00} DISCOVER BANK : Opened on XX/XX/XXXX for {$8800.00} XXXX : Opened on XX/XX/XXXX for {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
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: Problem with personal statement of dispute

Complaint:
I had a recent dispute with Experian. There a few items that remained on my report after the investigation. The FCRA states the consumer reporting agency was to conduct an interview with neighbors, friends, and associates as a part of the investigative consumer report. It also says that such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I challenge Experian to provide the evidence under penalty of perjury that the organization conducted such interviews.

I also had 2 late payment from XXXX XXXX that shall be removed immediately. I have a letter from the organization stating that the items were not to be reported.

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