BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I didn't receive the advised XXXX UR bonus for opening sapphire checking account after meeting all the requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IVE SENT TRANSUNION two letters pin XX/XX/2022 and the other in XX/XX/2022, to correct TWO accounts that they are reporting inaccurately which are FCRA violations. 
I have not seen a investigation nor have they corrected it. 

Ive included both letters and copies of both accounts credit report to reference.

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 2021-03-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a account with PayPal that I havent used but once over a year of having it because of there XXXX policies well I forgot it was linked to my XXXX and had XXXX  XXXX  sent to me after getting XXXX out they locked my account and are holding XXXX of mine its been 2 months I need the funds they are trying to make me wait 6 months but after reading about others it could be longer please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is supposed to DELTE this debt from my credit report as it was settled and paid for deletion and they have failed to do so. The account numbers is XXXX and the original amount is for {$320.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: TCF NATIONAL BANK
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I closed an account at TCF Bank XXXX XXXX XXXX in XXXX 2 months ago. I had an {$0.00} balance. they were supposed to send a check. I have called them 4 times regarding the issue. It 's {$0.00} cents! I am tired of calling them and them saying they sent a new check to me. They have my updated address and I never received it. It should not be this difficult. They are failing to communicate, send me this small check for closing my account, and I 'm tired of calling about it. This was the worst customer service I 've ever received closing an account. It should not be this difficult. XXXX phone call to close and they send a check. Simple stuff but they are not doing it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: NC
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 sent a letter to Equifax and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: The CBE Group, Inc.
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 is not mine

Complaint:
I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
They keep on showing missed payments this account was closed and it's making my credit score go down and they just keep putting more things on and adding stuff

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 2016-08-25
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Because of some rare car trouble, I was unable to get to a Key Bank branch by the due date of my installment payment. I called on the due date and told a Key Bank representative of my predicament. I was told to call once the late charge appeared on my statement and ask for a refund. I did so. The Key Bank representative refunded the late charge. 

My next month statement showed the late charge and then the credit, but show a minimum payment that includes both the late charge and the payment amount. I called another Key Bank representative - a phone call designated internally at Key Bank as XXXX - who told me that Key Bank has, in fact, refunded the late charge but still requires the amount of the late charge to be paid with the regular payment, in a sense, prepaying some principal. When I inquired further about the refund, the representative claimed something to the effect that " This is how we do it at Key Bank. '' I am not at the location where my account agreement is located, but this appears to be a completely self-serving policy of the bank, especially for clients who may be struggling financially. If this policy is not part of the loan agreement, then I think that it is against public policy that a late fee assessment and waiver should induce involuntary principal repayment from the borrower. 

I would appreciate a response from the appropriate Key Bank representative regarding this troubling policy, and I will review my account agreement by the time the Key Bank representative contacts me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Follow up on complaint XXXX. 
I received a call today Roundpoint regarding the extra payment I had made to them.The call was regarding the complaint that I had filed with CFPB. I have not heard back from them regarding numerous calls that I had made prior to filing a complaint. 
The representative informed me that they had received my complaint and were going to start an investigation. She asked me to submit a copy of the cashed check. She was oblivious to my prior communication with Roundpoint and the documentation that I had submitted with my CFPB complaint. A month later, I have not received a adequate response from Roundpoint and they claim they did not receive a payment when I have a copy of the cashed check from my bank. 
CFPB, thank you for your help and support. I am frustrated beyond my " boiling point ''. If my case can be used as an example to save others from issues with Roundpoint, please share my story with the community. 
thank you kindly, 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 explanation
Consumer complaint received 2017-01-07
Company: KEYCORP
State: ME
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had an auto loan with First Niagara Bank and without our knowledge, the loan was purchased by Keybank. Our payments were made electronically to First Niagra every month on time. In XXXX of this year, we got a letter in the mail from Keybank stating we were in default. I called Keybank and spoke to a customer service rep and he asked me to email him a history of our payments and proof that we made to XXXX payment to First Niagara. I did just that and we continue to get multiple calls each day. We then went to a local branch to deal with them. We met with XXXX, the manager of the local branch and gave her copies of all the documentation. She stated she would take care of it. It has been close to a month since we met with her and she is now avoiding my calls. We do n't know which way to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE HAD ENOUGH!! I KEEP GETTING CALLS, NASTY CALLS FROM THIS XXXX COMPANY AND I KEEP TELLING THEM THAT THE ACCOUNT IN QUESTION IS NOT MINE. I HAVE ALREADY SENT THEM XXXX LETTERS STATING THAT THEY NEED TO STOP, BUT THEY HAVE NOT OBVIOUSLY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX Update new address and delete the old address XXXX your day is well. Please remove my address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX off my credit report. Someone is forwarding my mail to a another address. 

Please use my new address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Pa 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 2020-03-09
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
CHASE FREEDOM CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time XXXX never late XXXX XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Kriya Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Account XXXX credit reference ID XXXX debt of XXXX which is an old XXXX XXXX XXXX debt that was removed from my credit bureau years ago because collection time expired on the account. This bill collector contacted my mother in an attempt to restart the clock this debt asking for my name which is my father 's name as well. Sent debt letter to my parents address in Ohio. Which I do not reside at.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, # XXXX and # 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 an account w/o my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: NY
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:
Hello, After receiving my credit report I have noticed many erroneous information reported in my credit report, for example my name in the credit bureaus is misspelled, or incomplete. They are reporting late payments that I do pay on time and continue to pay on time and I even have a good payment history. We already know that all negative accounts are misreported since not even my name is well spelled. I demand that an investigation be opened with my case and these accounts be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CL Holdings LLC
State: MO
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 just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, INC.
State: NV
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:
The XXXX XXXX XXXX tradeline has been removed from my XXXX credit file following disputes but the tradeline still appears on my Equifax and XXXX credit files despite the disputes I've sent to those bureaus as well. The XXXX XXXX XXXX tradeline from XXXX XXXX is for an account that doesn't belong to me. Equifax and XXXX have blatantly ignored my disputes and aren't enforcing the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: ProCollect, Inc.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received phone calls daily from all hours of the day on my cell phone, and then my house phone, and then my mothers cell phone. And then my father cell phone all over a debt that was handled in a court case from an apartment that I moved out of over three years ago.this company procollect has harassed us to the point where we have changed our phone numbers and they still continue to call us every day. And when we block their number they change numbers and continue to call.

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 2015-09-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several accounts reported on my credit from XXXX that are not my accounts. I was a victim of Identity theft in 2013. XXXX will not remove the items from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is 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 2016-01-26
Company: Phoenix Financial Services LLC
State: FL
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:
On XXXX XXXX, XXXX at approximately XXXX EST, I received a call from Phoenix Financial Services . The caller asked to speak with someone ( I assumed it was me but he butchered my name ) and immediately disclosed my date of birth. The conversation went something like : Debt collector : Hello, is this XXXX XXXX? 
Me : Yes, I 'm sorry who is this? 
Debt collector : This is Phoenix Financial Services attempting to collect a debt, is your date of birth XXXX XXXX, XXXX? 

At this point I asked him why he would disclose my date of birth almost immediately. He responded : because I can. Do n't lecture me on the law, you are n't the only person with that date of birth, it 's not unique. 

Of course, I hung up because I refuse to be insulted and yelled at by a debt collector. As far as I know, under HIPAA policies, identifiable information such as date of birth should not be so lackadaisically offered over the phone. HIPAA is relevant in this situation because he was attempting to collect a medical bill. 

Other issues that I had with this call is : 1. This debt was paid in full back in XXXX. I was taken to the emergency room after an assault - due to the nature of my injury I was referred to a local program that took care of my entire medical bill. 
2. The debt collector did not allow me the opportunity to validate the debt. The moment I started talking he starting yelling. He claimed 'he was doing me a favor ' and that 'I should be grateful '. 
3. Prior to this call, I have did not receive any notices or other calls pertaining to this debt. In fact no one has contacted me about this account since I left the hospital ( which was about 2 years ago ) * replaced with random information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Puget Sound Collections keeps sending me letters in XXXX different names. When asked to verify this was my debt, they continue to just send statements of amounts owed in XXXX different names. I had XXXX for medical coverage and fear i have been a victim of identity fraud due to their breach. They show the wrong name for XX/XX/XXXX & XX/XX/XXXX showing on a statement using my married name when i was n't married until XX/XX/XXXX. They keep saying they have verified who i am but they have n't verified this is my debt and refuse to remove it from my credit report. They are harassing me and bullying me with tactics that are unfair.

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