BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Trans world Systems Inc call nonstop from numerous different numbers several times a day, both robot calls and human callers. They never leave a message, when spoken with they refuse to give any info just want me to pay them I do n't know if I even owe as they refuse to send any info to validate. They threaten legal action w the courts, wage garnishment and use bullying tactics to get me to give my personal SS & DOB but refuse to give me any proof I owe any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: JPMORGAN CHASE & CO.
State: AS
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My father is a Chase cardholder. Last year ( unbeknownst to myself and my father ) Chase issued a card to my name XX/XX/2015 ( it could 've been XX/XX/XXXX but if I remember correctly from what their rep told me it was XX/XX/XXXX or XX/XX/XXXX ). XX/XX/2015, I XXXX ( my father 's daughter ) received the physical credit card in the mail with my name on it. I was under the impression that I had been approved for a credit card with Chase until one month later my father said he has charges showing on his billing statement that he did not authorize. I looked at it and saw that they were charges I made and apparently " my '' Chase account was not really mine but my father 's, and I was obviously an approved user added to his account. My dad has refuted this action as he has told me and the Chase staff that in no manner, shape or form did he request to add me to his account prior to this incident ( XX/XX/XXXX ). For whatever reason Chase had issued my dad a card to me ( his daughter ) without my dad 's express consent. They have been calling seeking payment for these charges but my dad ( and he is a military vet and in his XXXX 's ) very firm about being held accountable for something he is not liable for ( unauthorized purchases ), and especially stemming initially from an unauthorized action taken by Chase Card Services. The company has informed me that they too, are concerned about this " unauthorized '' issuance card matter and would investigate and get back to me. For several months I 've not heard from them. And just today they called me and said 'Oh bad news, but your dad 's account is beyond resolve, unfortunately, we have to forward ( or have forwarded ) to collections. ' But I said 'Quite odd, I had been waiting all this time and you never got back to me. ' Oh well, we are telling you this is no fraudulent activity surrounding the purchases on this card or issuance of the card but clearly your dad called and requested to place you as a cardholder- no other explanation. ' ( Even after I told them that my dad had previously spoken to customer care and stated that he did not request issuance of card..still they insisted that my dad did call and request or they believe my dad " forgot '' this detail. This is utterly absurd-negating the facts. Also they said they could not provide evidence or date and time my dad called to request issuance of card. ) I feel that they had not proceeded this matter with collections but because I had stated today that if their fraud department could not assist ( as they stated they would get back to me ) that I would have to contact Better Business Bureau or a consumer rights attorney and learn what my rights or protections are available to me and my father. 

I need your help please! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Absolute Mortgage Company, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We worked with Absolute Loans for several months. They notified us of our approval for a loan refinance. No problem-slam dunk. We went ahead and paid out of pocket for an appraisal as well as paid to lock in our rate. For the next few months, we jumped through hoop after hoop to furnish them with more information and more information. Now, after paying almost {$2000.00} ( appraisal and lock in ), we are told to jump through yet another hoop we can not. We would have never proceeded with this company and paid the money, if we were ever told we would have any issue whatsoever. We were mislead.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10
Company: Convergent Resources, Inc.
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 resulted from identity theft

Complaint:
Convergent outsourcing/ XXXX fraudulent account is reporting a collection on my XXXX credit reporting XX/XX/XXXX I submitted a police report and identity theft dispute pursuant to FCRA 15 U.S.C. 1681-c2 identity theft states the credit bureau and debt collector will delete the account and stop it from reporting within 4 business days. Both XXXX and convergent outsource willfully violated the FCRA Act.

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 2018-05-29
Company: HW Holding, 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:
I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to XXXX as {$32000.00}. How do you have a {$29000.00} increase within 60 days? I did make a phone call to Hunter Warfield when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that XXXX went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We believe that our loan servicer ( SPS ) is not following MHA guidelines in connection with their review of our Request for Mortgage Assistance. According to MHA Handbook XXXX XXXX, Section XXXX an Acknowledgement and Incomplete Information Notice " must include a specific date. '' They gave us a date of XXXX XXXX to send in a complete information package. They ignored the XXXX XXXX date and sent us a letter dated XXXX XXXX saying the had received a complete package. How could they say they had a complete package when we had not sent one?????? 
Our other even greater concern is that we believe that we qualify for HAMP and SPS does not acknowledge that we made a HAMP request in any of the letters regarding our loan application review that they have sent to us. We contacted MHA XXXX and they said that loan servicer should first consider HAMP before any other loss mitigation options. Below is a list of HAMP eligibility criteria : ( 1 ) Delinquent on mortgage ( 5 months behind ), ( 2 ) Obtained the mortgage before XX/XX/XXXX XX/XX/XXXX ), XXXX 3 ) Our property has not been condemned, XXXX 4 ) Owe less than {$720000.00} ( {$370000.00} ) ( 5 ) We have not been convicted of any crime in connection with a mortgage or real estate transaction, and ( 5 ) We pass the Net Present Value Test,. We wish that SPS would finally acknowledge this and give us a HAMP loan. Why are they not telling us anything about HAMP when reviewing our applications? SPS did send us separate letters about assignment of an appointed of a HAMP relationship manager. The last time I talked to one of the HAMP relationship managers they wanted us to pay our delinquency or agree to a short sale or deed in lieu of foreclosure. They also said that we could not request a HAMP. I do n't understand that. They have never given us a HAMP so why should we not be able to apply. But these conversations cause me a great deal of stress, and do not wish to talk to any SPS person that has the same old story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: U.S. BANCORP
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an unemployment benefit card from Texas government. I used those funds to purchase items online. Several merchants aren't real merchants. They don't answer emails on time, if at all, their sites for the most part have either disappeared or relocated and I can't get anyone on the phone at US Bank. 

I have been trying to call for at least 5 weeks. I have been on hold over 20 hours. Each time I have been transfered for disputes to report it within the timeframe required, not a single person has actually connected me or helped. This is UNEMPLOYMENT funds. So, if they can hold my money hostage, then, what recourse do I have? We are often told violence isn't the answer. I wholeheartedly disagree. 

Who do I need to actually talk to get my money back. I have no reason to lie. You can contact the shippers. NOTHING has been sent or received. US Bank is in a position to really help people, yet they resort to the same heartless schemes as XXXX and others.

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 2017-04-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have student loans serviced by Navient, Account number XXXX. I have just started paying my loans because I have been underemployed and a single mom and not able to pay. During the time I was unable to pay, I requested a forbearance which was approved. However, my $ XXXX loan has XXXX of capitalized interest now. This seems excessive and now my principal balance is $ XXXX. I feel like I will never be able to be out of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31
Company: AES/PHEAA
State: NJ
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 have made many payments through the XXXX XXXX XXXX XXXX XXXX ( XXXX ) that have not been applied to my balance. I have submitted an employment verification since 2015 when I enrolled in the program. I have upheld my end of the XXXX contract, yet I do not see that in return. 
I currently should have XXXX payments counting towards my XXXX program. The system shows only XXXX eligible. I am still paying undergraduate and graduate loans. I have worked in education for 20 years as a dedicated teacher. I earned a XXXX 's XXXX in Education in order to fulfill the requirements for certain positions. 
I have filed my taxes as a single individual, although I am married, just to keep my monthly payments manageable given my salary. I currently work two jobs to maintain financial stability. Saving for my own child 's education is quite challenging given the never-ending circumstances of the XXXX program not meeting the agreed-upon contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My XXXX account was hacked on XX/XX/2016. XXXX sent me an email stating that there had been unusual activity ( which was someone logging in from New York ) and they deleted one of my consumer accounts but also made a payment from a checking account that was linked to paypal and made a payment to my paypal credit account. PNC was closed in observance of the holiday on XX/XX/XXXX when this all occurred so I called them first thing this morning. I spoke with an agent by the name of XXXX who said that the pending unauthorized ach transaction could be canceled but the merchant would have to call XXXX. I called XXXX and the representative with paypal whose name was XXXX and I called and was told that the number we were given was for debit card transactions so they gave us the number for general customer service. Called and spoke with a XXXX who stated the pending ach transaction in the amount of XXXX could n't be rejected it had to post first and then I would have to call back and dispute it. The merchant asked if I provided a letter that she had just emailed me could that speed up the process because it definitely was n't an authorized transaction. The agent stated no. I asked for a supervisor. He reached out to his retail escalation who told him we had to wait for it to post. Again I had the merchant on the phone confirming it was fraud. I have a letter confirming it was fraud. If I was a high end customer who had got hacked they would have rejected the ach transaction. I know the ach transaction can be rejected so why should the account be subject to overdraft fees and a waiting process for a dispute that may or may not give a provisional credit. This is so disheartening as a consumer to be violated by a hacker and my bank just brush it off like they did AND on top of that stating to me that I will have to call back. Just ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX erroneously reported a debt with XXXX XXXX XXXX for {$830.00}. I have never had a loan nor received any money from this company. This has adversely effected my credit. I want this removed from my Trans Union and XXXX credit reports as soon as possible. Furthermore, I 've never received any correspondence that would have given me the opportunity to dispute the debt.

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 2017-03-26
Company: Clarity Services
State: UT
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Clarity Services has pulled hard inquiries for multiple payday loans, for numerous companies without my knowledge or authorization. I am in a Chapter XXXX bankruptcy, so I am constantly checking my credit reports for things like this. I disputed this with Clarity directly, as well as XXXX. Clarity has responded by requesting a copy of my drivers license, SSN, DOB and address, along with the names of the payday companies. This info was originally submitted to them with my dispute, minus my SSN. I have read horrible reviews about this company and am very hesitant to supply the additional info they 've requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is reporting a bankruptcy that was discharged I sent them a dispute they stated they verified thru XXXX I have enclosed a letter from the clerk of court which they Do Not provide or verify bankruptcy Transunion violated the Fair Credit Act by providing me False information I want the bankruptcy deleted from my file

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 2022-01-31
Company: EQUIFAX, INC.
State: PA
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:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with XXXX XXXX and which I don't know off these two accounts one with XXXX XXXX and XXXX with the XXXX XXXX  I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX  and the dispute was not in my favor I have also added a security fraud alert with XXXX  I request for the removal of the debts and update my credit report.

Company response to consumer: Closed with non-monetary relief