BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-30
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was receiving calls from  XXXX  of a debt in  XXXX . I informed them that the debt is invalid. It was a charge to my cell phones. We went back and forth by phone and mail for sometime. Finally I realized they did not believe me. So I sent a dispute document attention to manager in   XXXX   XXXX   XXXX  . I was a customer of theirs for many years without a missed payment. The bill was false. I told them by phone if they did not correct the mistake I would file a complaint. They assured me it would be corrected. Due to the mistake and harassing phone calls I left their service. Years later I received a bill from  Midland Credit Management,  inc saying that the debt was still valid. I notified them of the situation and we went back and forth by mail. Ive sent Certified mail to them also disputing the debt. Ive disputed it from day  1 . I am now disputing the bill with  Midland Credit Management, inc  .  Ive sent letters disputing the debt and requested any signed documentation. They are yet to send me any signed documentation from them or  XXXX . Last dispute letter sent to  Midland Credit Management , Inc.    XXXX   XXXX   Certified mail.

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 2020-06-18
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The simple truth is our new mortgagor, XXXX XXXX, is trying to get an official payoff letter from our old mortgage holder Quicken Loans. They have made two previous requests one in XXXX and one in XXXX. They have not received the letter. Our refinancing with XXXXXXXX XXXX is approved all they need is the payoff letter. 
XXXX out of frustration asked us to call Quicken Loans and ask of the payoff letter. 
My wife called then on Tuesday morning, XX/XX/XXXX to request the payoff letter. 
Not 20 minutes later she got a call from a Quicken Loans sales representative asking her why we were leaving Quicken Loans and wanting us to refinance with them. She told him that we were going with another bank and ended the call. On Thursday morning XX/XX/XXXX she gets a call at XXXX from a different Quicken Loan salesman but with the questions and requests with the same response. Then around XXXX XXXX on XX/XX/XXXX I get a text on my phone from Quicken Loans saying they want me to contact them to discuss a refinancing proposal they have worked out. I have not responded. 
With the full court press going on to get us to go with Quicken Loans do you think they are issuing a payoff letter? I want these weasels to issue XXXX XXXX  a payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: FL
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated " The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX, XXXX. '' The date of our agreement is XXXX XXXX, XXXX. Yet on XXXX XXXX, XXXX, BB & T adjusted our interest rate to an APR of 2.24 %. I called a local office and was told that this was not an error. I then wrote their office in NC and received a phone message from XXXX XXXX ( sp? ) saying the same thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a car on XX/XX/XXXX. I've contacted this Capital One so many times pleading for help every time I found out new information about how I was defrauded by XXXX XXXX Mitsubishi dealership. The bank approved this loan with out fact checking the contract. I was also told that this car was new and I was the first owner but that was a lie, but new was on the contract. The dealership made my income on the credit report extremely higher then what it was. I was pre-qualified with the bank before purchase of the car and I've been a customer for many years so they already knew my income. They put a warranty on my contract that I did not ask for nor needed. Also I was with out legal transportation for over a week cause my temporary plates had expired. When I finally get them they are not the handicap plates I was told I was getting. So I had to go to the NJ XXXX to get the correct ones. I was told the contract was going to be canceled out and I'll get all my money back and the dealer will own the car again. It sounded too good to be true so I ask for it in writing but I was told no from dealership. Then last month I was told by the bank that the dealer is posting a payment of {$23000.00} which will pay off the account and was asked do I still want to make my payment I said yes. Then I asked the dealer to send me proof that they are making a payment. They sent me a questionable invoice with capital one name spelled capital once. Then my payment of {$440.00} posted on my due date XX/XX/XXXX. The next day XX/XX/XXXX 2 payments posted totaling {$23000.00} and doesn't say where they came from. My payment was reversed and {$38.00} was taken from it as the last payment. A week later I received a congratulation letter and lien release letter which said I was the owner. On XX/XX/XXXX I received a letter from the bank saying the dealership purchased a retail installment contract from them. I believe this information was withheld on purpose. I'm very horrified, disappointed and distressed by they're conduct towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Selene Finance LP
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Client was active in an assumption along with a loan modification with XXXX XXXX. The closing package for the assumption had been received back by XXXX XXXX and the client had made the trial payments. Last trial payment was due XXXX XXXX, XXXX which had been made. Then effective XXXX XXXX, XXXX a servicer transfer notice was sent to my client stating that Selene Finance would be handling the file from that point on. XXXX XXXX did not complete the assumption or provide the permanent modification that had been granted to said clientl. The reason the assumption was so important is because she was not a borrower on the XXXX XXXX XXXX. It took two years for them to acknowledge that my client had been put on the deed with her parents back in XXXX and since both were deceased there was no probate or will as my client already had ownership rights on the property. I have tried speaking to Selene Finance on several occassions and they state they can not speak to myself or the heir as the loan is still in her mom and dad 's name. They are requesting certified copies of death certificates which should have come across in the documentation that XXXX XXXX had sent and proof that she was the only heir and proof of her ownership. On XXXX XXXX, XXXX I had faxed over a third party authorization along with copies of the death certificate. I have just called to follow up and again Selene refuses to speak to me or my client. I filed a complaint against XXXX XXXX yesterday and someone reached out to me today stating that Selene was supposed to complete out the process that was previously started. We can not get anyone to communicate with us at Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened 2 accounts with JP Morgan Chase Bank, The 1st account was opened in XX/XX/2022 which is my Personal Checking Account opened with my SSN along with other documentation, The other account I opened was a Business Account in XX/XX/2022 where as an EIN number and article of organization etc. I had made some purchases with my personal account for merchandise and travel, I didn't receive my merchandise and I canceled my flight on the airline, I also queried the charges and credit was given to my Personal Account as that's where all transaction took place from. However JP Morgan Chase Bank is in violation of the Bankers Manuel as they have closed my Personal Account without notification on the public side off the ledger know the private side of the account is left open for discharging by there corporation ( unfair practice ). To further violate JP Morgan Chase Bank has now broken all commercial merit by lodging a XXXX $ tab to my Business Account causing my business to go down hill into a negative status from the XXXX XXXX to Present as I am unable to use my account to satisfy my clients commercial, One client sent her payments XXXX on Saturday the bank just garnished it unlawfully my Business Account is back XXXX Fdic and so to is my Personal Account why does JP Morgan Chase believe the Bankers Manuel doesn't apply to them, This is also identity theft and Fraud against my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Amex pulled funds repeatedly from my account for a payment, even after I processed the payment manually myself. They additionally charged me a late fee. I wasted 30+ mins with a chat rep on XX/XX/XXXX, trying to get them to stop pulling funds from my bank because my bank is charging me fees for so many transactions. Attached document shows the bank fee and the number of times they have pulled the {$72.00}. 

Their system can not recognize that multiple credits have already been posted to the account. They need to revamp their system to instill some basic checks and intelligence and train their reps to not waste customers time by providing accurate information. The Chat rep could not help me but kept me on hold trying to check on things and then finally said that I had to call the fraud line. It looks like no one monitors that #. After being on hold for 45 mins, I hung up. 

So, I called the regular customer service # on XX/XX/XXXX. Amex used to be an institution with educated, polite reps. Unfortunately, no more. Their system does not work and when I called it that, the rep hung up after I was on hold for 30 mins to speak to her. 
Pathetic customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: LD Holdings Group, LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been trying to settle the Estate of XXXX  with XXXX XXXX XXXX ( Texas ) XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan # XXXX. The party listed on the loan XXXX is deceased as of XX/XX/XXXX, I XXXX  am the personal representative for the estate. I have made several calls and emails to be added to the account so that I can enter a forbearance agreement with said company and am told every time that they can not talk with me. Today I spoke with XXXX XXXX XXXX ext XXXX and was told the same thing. I live in the mountains and must travel 2 hours each way to attempt contact with them. I have hired a realtor to list the home for sale on XX/XX/XXXX but still have no info on the home or the loan. They have received everything they have requested multiple times with no resolution only that they can not speak with me and no one in the specialty department can speak on the phone. I need assistance to get this matter resolved as soon as possible. This company has been the worst I have ever had to deal with. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Trans union is showing a old debt against me on my credit reporting. I have submitted a dispute with the collection company and suddenlink communications.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
A very long time ago, when banking with chase, I had given a teller money to pay off an credit card account. It was for around {$120.00} and I had much more than that in my checking.. however she did not apply the money there before I left for vacation.. and now many years later ( this happened 8 years ago ) it is showing up as a delinquent account on my report and caused me to get denied for something. This is extremely upsetting and I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I had received my working check on on XX/XX/XXXX and try to go cash it at the Bank of America XXXX XXXX XXXX in XXXX XXXX. They got a XXXX to approve for me to cash it. When he found out I was XXXX he just said he couldnt cash it. I asked him why and he said the account number is wrong get out. I have XXXX forms of iD and even my XXXX info but he just wasnt hearing what I had to say.

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 2015-11-02
Company: Paypal Holdings, Inc
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
HelloOn XXXX XXXX I received a very cryptic email from Paypal that my account was being suspended for security reasons, since then I have attempted to communicate with them via phone or email to get issue resolve with no successI am being told that I have violated their terms and conditions and because of this my account has been suspended and money will be on hold for 180 daysI have attempted to find out what policy was violated and I ca n't get an explanation I have also asked why they need to keep my money and receive no real reasonI have detailed emails that I can provide with communication with Paypal on this issue to anyone that would like to reviewThanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-20
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I moved into The XXXX XXXX XXXX XXXX in XXXX, TX ( now known as XXXX  ) where I resided for XXXX XXXX years. There was an exchange of emails between the manager and I where he confirmed that hed be using my email confirmation as my 60 days notice. Prior to me moving out, I went into the office and spoke with the manager who confirmed that hed accept the written notice and no additional balance would be owed. I then down the line received a hefty collection bill due to no 60 days notice being given, which was then reported on my credit report. I have gone to the office to speak with management and over the phone multiple times. Most recently XX/XX/XXXX Ive contacted the property via phone and she advised me that nothing can be done as the property has switched management, the manager, the previous files are no longer available, and they can not confirm whether or not my complaint is accurate. I have disputed this collection a couple of times ( XX/XX/XXXX & XX/XX/XXXX ) with the credit bureau who wrongly confirms that this debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
There are several accounts being report it on my credit report. I do not know any of these companies. I have never done businesses with any of them. These collections companies do not have a contact with my signature.

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 2015-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2014 we moved from XXXX to XXXX. Capital One was notified as we used the card for travel expenses. Once settled we had a purchase that was refused by Capital One. Upon calling we were told that the card was put into fraud status. In numerous phone calls to numerous people across the XXXX and XXXX countries we were told to prove who I was by sending Capital One copies of both sides of my Social Security card, both sides of my drivers license and a paid utility bill. I refused as this is privilege information that should not be sent to anyone. I closed the account in early XXXX 2014 and requested a statement. This was refused until I sent in the information they wanted. We had paid all statements we had received from them in full each month and the last statement we had was for XXXX. This was paid in full. We also saved all of our receipts from the trip up and paid that to Capital One even though they would not send a statement. To this date we have never received a statement or any correspondence from this company. We found out when applying for car insurance and was turned down by XXXX company that Capital One was posting errorous information to the XXXX credit companies. They have listing our account as past due and have been charging {$35.00} a month, for what we do not know. We want Capital One to prove any unpaid items to us, reverse all these late charges and fees, correct all deliquent reports to all credit reporting agencies and send us a letter of apology. Until this is completed we will pursue all legal avenues open to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: AMERICAN EXPRESS COMPANY
State: DE
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:
i am in a deep hole due to fraudulent activity and i have done almost everything i possibly could to correct this misinformation on my report. theres an amex card saying i owe over {$12000.00} which is not true and a few other wrongly placed items. please look into these and block the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Avid Acceptance, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX 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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My report 's list of inquiry and information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information and inquiry listed below. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XXXXXX/XX/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 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB team, My name is XXXX XXXX. 
I have been JP Morgan Chase customer since XXXX. 
I have XXXX checking accounts, XXXX credit cards and XXXX business accounts with chase. 
Accounts ending at : XXXX XXXX XXXX XXXX Today i received a notice that they are going to close all my accounts by XX/XX/XXXX. 
I called Chase customer service and they did not give any explanation about this, as they said this was just a " business decision ''. 
I run XXXX XXXX shop in XXXX XXXX, CA and XXXX XXXX, i receive daily deposits, checks and cash deposits. All my auto pays are connected to those accounts. 
Please help me to leave my accounts open, Chase does not help me at all My contact # XXXX

Company response to consumer: Closed with explanation