BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-08
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, My name is XXXX XXXX XXXX, I have received a letter from XXXX XXXX XXXX, about a dent with Citibank XXXX XXXX, which i have never request a loan to this ban, i have sent a dispute via mail ( I am including Documentation to you as attachment ) Also in the letter, my name is wrongly with them they have XXXX XXXX XXXX, which i don't have middle name on my legal name! Who ever stole my identity did't know my real legal name! Please help me with this scam collecting company to explain this is not my debt and have never get money from this bank!! 
also on Credit report with the 3 credit bureaus this collection DON'T SHOW! So its something weird on this collection as scam! 

Thank you so much! 
Sincerely, 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 2016-06-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Received offer to earn additional XXXX % Rewards Bonus for Being a Valued Cardmember ( footnote ) through XXXX XXXX, 2016, on my cardmember page at amazon.com. 
XXXX % Rewards Bonus : You will earn a XXXX % Monthly Bonus on all new points earned with your Amazon.com Rewards Visa card through XXXX XXXX, 2016. Your bonus points are calculated each billing cycle based on the total points earned during that billing cycle. Points earned in a monthly billing cycle are generally available to be used at the beginning of the next billing cycle ; bonus points earned on Net Purchases, made near the end of a billing cycle may take up to one additional billing cycle to become available. You 'll see points you 've earned on chase.com and on your monthly card billing statement. See Rewards Program Rules and Regulations for details on qualifying purchases. Bonus points are subject to the Rewards Program Rules and Regulations. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Bonus offer void where prohibited by law. All the Amazon.com Rewards terms and conditions apply. 

When I enquired about why I was n't receiving the bonus rewards, I was referred back and forth between Amazon customer service and Chase customer service, until an employee denied my request. I was denied for various reason. One was that I did n't receive an email invitation, although that requirement is not mentioned anywhere on my Amazon cardmember page. Another reason given was that my inquiry as to why I was n't receiving the bonus was late : in that the enrollment period had expired. There is no reference to an enrollment period in my offer and I had thought that I was enrolled. I had promptly clicked the invitation on my Amazon cardmember page and assumed that I was enrolled. 

I continued to appeal. A Chase employee did offer to credit my account for a few months and advised me to contact her if I wanted to receive the bonus until the program end. I tried to contact the representative by phone on a few occasions. I was unable to navigate the phone menu to her extension because it was n't recognized and because she was not listed in the employees phone directory. I had also attempted to contact her by email. An other employee responded and agreed to honor the approximately three months of bonus points accumulated but refused to honor further enrollment in the program. Additionally, my points may have been adversely affected the month following the bonus addition. 

I had initiated the inquiry around XX/XX/XXXX. I had enrolled in the program a few months earlier. I did n't keep records, because I did n't realize that there would be a problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. XXXX XXXX, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with {$6800.00} the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is {$71000.00}. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because they continue to fine me every day and they said their is nothing I can do. If you can let me know what I can do to protect my self J.P. Morgan? 
Thank you, XXXX XXXX : XXXXXXXXXXXXMy cell number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-13
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
My truck got totaled out. Was purchasing a new one. Old account with Westlake was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to westlake had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or westlake as a current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX human. I also have a XXXX so this really took a toll on my mental health

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 2015-07-22
Company: First National Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX is reporting my credit card as late and it is not late and has never been late I'm on autopay. I would like for the late payments to be removed

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 2020-08-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX i sent a good will letter and requested that I be given another chance by deleting the late payment for XX/XX/XXXX and XX/XX/XXXX on my credit report.i have been an excellent customer with a good payment history until the economy took a dive.i love navient and all the payment options.it has been 40 days and I have not received any correspondence letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Continental Services Group, Inc. d/b/a ConServe
State: MA
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 am repeatedly receiving calls from from ConServe XXXX. They do n't leave a message and when I called them back, they had no record of me or my number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: CHOICE CAPITAL FUND
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan amount. I have been paying it down and but the amount never seems to go down. Rather it is higher. They are hard to work with and the accounting records seem to not include all of the payments. This is a predatory loan and they are not helpful. They just want their money. They put my account which was in good standing in past due now even before the due date.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020 I sent out debt validation letter for alleged debt. 
Letter was received on XX/XX/2020 @ XXXX XXXX I received a letter back on XX/XX/2020 The letter I received does not include all of the ( ten ) items I asked for. 

In my letter, I state " Please keep in mind, Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. ( 10 items ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent an email to the office that is trying to collect from me. After they received my email they proceeded to call my phone XXXX times in a row while I am work. I can not answer the phone and could lose my job over that. I did leave a message with the lady that answered the phone at your office. Since I can not take calls at work and your office is closed when I get off I asked her if I could email you. These people are relentless and have told me that they call the law office today and the trustee and was told that your office has no idea who I am. I made an offer to pay this account and they did n't take my offer the man ( Director @ XXXX XXXX will answer that number ) advised me that he would see me in court and slammed the phone in my ear. Please advise me on what I can do at this point, I am not refusing to pay they are just really rude and abusive when I talk to them. XXXX, XXXX XXXX, NY XXXX Phone No. : XXXXXXXXXXXX Fax No. : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the period of XXXX, I XXXX  in a XXXX XXXX school  called XXXX. The school  offered hands on classes, and certification post completion of classes. The school when bankrupt, and closed its doors leaving me with debt via Sallie Mae. As I was younger I did not seek legal action and just continued my monthly payments. in the period XXXX Sallie Mae transferred my loan to Navient. I continued to pay my monthly payments. In XXXX I received documentation around a class action lawsuit with Navient that I was automatically included in which would include a pardon of my loan. shortly after all navient communication stopped, my account no longer worked on their website portal as well. Information on this class action can be found here : XXXX XXXX XXXXXXXX My identify theft credit check service recently alerted me that navient has reported me delinquent to XXXX XXXX XXXX and XXXX  damaging my credit exponentially after years of no communication via mail, phone, email. I have reached out multiple times to navient via phone with no success due to extensive hold times and automated systems. 

Please advise on what I can do as a consumer, and essentially a victim of services not rendered. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Call at least 6 times a day all on different numbers and leave voicemails everyone in a while

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit card debt through Washington Mutual go to collection in XXXX. In XXXX of XXXX, I paid the debt in full through XXXX, a law firm in XXXX, Kentucky. I received a fulfillment letter from XXXX. 

On XXXX XXXX of this year, I began receiving calls from ( XXXX ) XXXX regarding this debt that I had already taken care of. My mother, brother, and sister have also received numerous calls from the same agency. As best I could tell, the company name is XXXX. However, I could not find it on the internet and the callers and call-takers sounded to be from XXXX. Some were very difficult to understand. 

I told the callers that I had paid that debt and that I would e-mail them a copy of the fulfillment letter. They insisted I fax the letter. I do n't have fax capability. At first they would not give me their e-mail address " for security reasons ''. I asked to speak to a supervisor. The caller then gave me XXXX e-mail addresses, neither of which were good. I have saved a copy of the e-mail I attempted to send them. 

I called the agency back this morning after learning that my e-mail was not delivered because of a bad e-mail address. After two or three highly frustrating calls, I finally spoke to a supervisor at XXXX who said she was making a " cease and desist '' notation in my file and assured me that I or my family would not be receiving any more calls from them. 

At XXXX XXXX, both my brother and I received calls from the agency. My mother received a call from them at XXXX My sister also received a call from them sometime AFTER XXXX when I spoke to the supervisor. 

When the agency called me at XXXX this morning, I answered and abruptly told the caller that I spoke to a supervisor at XXXX this morning and she was to have entered a Cease and Desist note in my file and I wanted to know why they were still calling. She told me I did n't have to talk to her like a child. I asked to speak to a supervisor and she hung up on me. I called right back and asked to speak with a supervisor. This time a male call-taker hung up on me. I called back a third time and my phone number was blocked. I called back using a XXXX phone number. The call-taker asked what I needed. I said I wanted to speak to a supervisor and she hung up on my as well. 

I have made a good-faith attempt to provide this agency with proof of fulfillment and they continue to harass me and my family with their phone calls - even after I was told we would not receive any further calls from them. Please look into this company. It appears after XXXX the company phone number, there are several other people who have had bad experiences with callers from that number. Some thought it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2020-06-08
Company: CarMax, Inc.
State: VA
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:
Carmax auto finance has attached a remark to my credit report in regards to be being impacted by COVID 19, in which I was not impacted by COVID 19. I, in no way shape or form, requested anything regarding COVID 19. I did not find this out until I was attempting to refinance my car through my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have not received an Interest Statement for XXXX from XXXX for account ending in # XXXX. After much trouble fromChase, I managed to close this account in XXXX this year. 
However, it should have earned interest in XXXX, when it was stillactive, as well as for two months this year. After receiving the checkto close the account from XXXX XXXX XXXX, Vice-President for ChaseAcccount Services, I wrote her a letter, dated XXXX XXXX, XXXX, acknowledging receipt of the check and asking her to have theInterest Statement for XXXX sent to me. A month has passed, and Istill have not received the requested Interest Statement. 
I received Interest Statements from all other financial institutionswith which Ihave transactions in the United States in XXXX thisyear, without having to send any reminders or special requests. Ihave no idea whether this is more incompetence on Chase 's part orharrassment for the complaints I sent about its failure orunwillingness to get my slight change in address straight from XXXX to XXXX XXXX. 
In any case, I want the Interest Statement for XXXX sent to mepromptly. I also want Chase Bank to keep in mind that it willalso owe me a statement for XXXX, to be sent in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of a wire transfer scam involving a business 's Wells Fargo Bank account. It was demanded of me that I wire, no other method was provided, {$67000.00} to the following Wells Fargo Bank Account on XXXX XXXX, 2016 : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. The Bank Wiring Instructions were as follows : Bank Information : Wells Fargo - XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Name on Account : XXXX, LLC Account Number : XXXX Routing Number : XXXX. This was a 'scam ' and a fraudulent wire transfer and there are numerous complaints against this business for these wire transfer 'scams '. Wells Fargo has a fiduciary duty to prevent and address such abuses by their business clients upon consumers. In addition, I am learning that transfers of these magnitude trigger many Financial Institution and IRS investigations. Per FTC Reference # XXXX, I was instructed to contact my own Bank to try to have this Wire transfer reversed and the Wells Fargo business client refused. My Bank has now opened a Financial Crimes Investigation.

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