BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Maury Cobb, Attorney at Law, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification today, XX/XX/2022 that XXXX had sent an amount I owed them to collections. They made zero effort to contact me about the money owed, ( they have my phone number, two of my email addresses and my current address, plus both previous addresses were set up to forward mail, so clearly they never made the effort. ) I contacted them and they would not give me any information regarding the debt owed, I called the collections agency and ended up just paying it off. If they had contacted me I would have immediately paid them, however they did not. I am requesting this be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
For the past two days, a business that I believe to be known as 'Juniper ( Credit Cards and Plans ) ' has been calling me around XXXX XXXX. They repeatedly call me throughout the day. For the time being, I blocked their number, but they have now woken me up out of a dead sleep two mornings in a row. 

They call from the number XXXX XXXX. Below are the call times : Monday, XX/XX/2019 XXXX XXXX  XXXX XXXX   Tuesday, XX/XX/2019 XXXX XXXX ( thus far. More expected )

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 2020-04-22
Company: N.A.R., Inc.
State: UT
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:
North American Recovery is reporting a few accounts on my credit file that I do not owe. Also, they are double reporting the same debt with XXXX XXXX XXXX XXXX. This is a VIOLATION per the FCRA and two companies CAN NOT report the same debt on my credit file. These debts need to be removed off my credit file. 
Acct # 's - XXXX XXXX - XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian responded to the Consumer Financial Protection Bureau ( CFPPB ) in complaint number XXXX on or about XX/XX/2021 that my personal credit report would be mailed to me as requested. Further, Experian advised that it would take up to 10 days to receive the mailed report. Now, 4 weeks later, I have yet to receive the Experian credit report. However, for the record, I have received my credit report from both XXXX and XXXX, which was requested at the same time. Therefore, Experian should expedite this past due request.

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 2017-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
First off, I would like to say that this is not the first time Chase has arbitrarily cancelled one of my disputes because I " failed to give them requested information ''. This has become a clear pattern with them, and it has to stop. In this particular case, I returned an item to XXXX, but was never given a refund ( {$130.00}, purchased on X/XX/2017 ). I contacted XXXX directly, and they said that they would issue the refund, but never did. I informed Chase of this, and gave them all of the details that I was able to - both online and by filling out the paper form that they subsequently sent. Much to my surprise, I then received a letter from them saying that I had failed to give them the information they requested, and they were unable to reach me, so they had put the charge back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There were over 60 unauthorized XXXX  purchases made by my XXXX year old son for digital in game currency and items through the XXXX XXXX. These were not authorized transactions. My son figured out the password and proceeded to impulse buy. Some purchases were upwards of {$400.00}. Since I found out, I deleted the games off my wife 's XXXX and reached out to XXXX and Chase. The total purchases amount to around {$5200.00}. Both XXXX and Chase have declined to reimburse the charges even though I informed both they were unauthorized charges made by my XXXX year old son. The total amount of {$5200.00} is staggering to say the least and it is unfair business practice for neither XXXX nor Chase to notify my of such unusual account activity. I have attached the following correspondents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage originated with XXXX XXXX on XX/XX/19- amount {$4300.00}. My first payment was due XX/XX/19- I made a payment of {$500.00} + the obligatory interest of {$18.00}. Within days the mortgage was sold to XXXX XXXX whose servicing company is XXXX. Because of the time period during the transition, my {$500.00} payment has never been recorded, nor has the interest I paid. I have scheduled my 3rd payment to be made at the end of this month and the balance still has not been corrected to even reflect the 2nd payment. I have submitted copies of my checking account and and the payment schedule from XXXX XXXX to no avail. No one gets back to me and this has been going on for 2 months. I need someone to intercede on my behalf.

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 2022-01-22
Company: Experian Information Solutions Inc.
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:
Sir or Maam We were reviewing Experian Credit report and filed a dispute regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$19000.00}. Inaccurate. 
Our Line of credit balance is {$1500.00}. with credit limit if {$3000.00}. 
Concern this adversely affecting our credit score, which needs be accurately reflected.

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 2022-05-03
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:
identify you and your account. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX Account number XXXX, XXXX Account number 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 non-monetary relief
Consumer complaint received 2017-04-20
Company: HW Holding, 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:
Account was reinserted to credit report with my knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: JPMORGAN CHASE & CO.
State: AL
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:
JPMorgan/Chase is reporting two deliquent accounts and two recent inquiries that are all fraudulent and I would like deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 accordane with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-05-03
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a PayPal prepaid XXXX Debit card at XXXX. I added {$500.00} to this card at the register when I purchased it. When I got home and tried to activate it I was told the card could not be activated because it is " unbound '' and to talk to XXXX because something went wrong there. XXXX said everything was done properly on their end, which was expected because I have a receipt. XXXX called the card issuer. The rep for the card issuer, PayPal was rude to me and the XXXX staff and hung up on us multiple times. It took about 3 hours for the manager at XXXX to reach someone at PayPal who said he would help. Multiple companies including PayPal, XXXX, XXXX and XXXX are all involved in this transaction, yet no one will take responsibility to resolve this and return my missing funds. I'm out {$500.00} and I'm holding an inactive card. A person named XXXX at NetSpend said that if I emailed my receipt, identification and card that I would be refunded. But he had another agent call me who said they would mail me a card and it would take a week. I bought this card for a road trip and I'm leaving tomorrow I can not wait a week. PayPal is the leading company for electronic money transfers yet they refuse to transfer the funds back to the XXXX XXXX card that I used to make the purchase. The agent hung up on me.

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 2019-11-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, 2019, I decided to make a purchase on XXXX. My decision to buy was based on the advertised PayPal Credit option to pay. I selected the option to apply for new credit with PayPal Credit and was immediately approved for a credit line of {$6500.00}. I was rerouted back to XXXX to complete my purchase and the option to use my PayPal Credit account was not available. 

I immediately sent a message to XXXX who stated the concern was not with their listing but with PayPal. I contacted PayPal Credit who told me that " internal security '' blocked the transaction. They would not give me specific details as to why the transaction was blocked nor would they allow the transaction to be whitelisted and approved. 

I told the representatives that the sole reason I applied for this credit was to purchase the item with the PayPal Credit listed as a method of payment. The representatives ( including management/supervisors ) were unwilling to assist. At this point, the entire reason I applied for the credit account was to purchase this particular item. The purchase was denied and no one will explain why ( beyond " our systems told us '' ) nor will they allow the transaction to force pay. 

The representatives stated that PayPal Credit reserves the right to approve/deny any transaction but they are not allowed to advertise their payment is accepted for transactions and then deny that advertisement. This is unfair and deceptive advertising and is an explicit prohibition of UDAAP.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: NC
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:
Experian credit bureau has refused to obey the law section 605B of the fair credit reporting act, I have submitted all the proper documentation that that the law requires of me the consumer. I have provided all the identifying documents I have also provide the police report and identity theft reports from the ftc, Yet will has refused to obey the law and block these items in 4 business days or less. They claim that I have provided faulty or is faulty or fraudulent information in my request to have them block the proven information that does not belong to me by the police. They are lying and never providing any proof for their claims. They received information from the fraudster when he was using my information and they attempt to say that that was me even though the fingerprints prove it was not me. Fingerprints don't match means I am 100 % cleared by the police and the police provided these findings. Experian refuses to acknowledge this. I simply want them to obey the law.

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 2019-12-31
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
In XX/XX/2019 I consolidated all of my XXXX student loans with XXXX servicing. The new loan appears accurately on my report. However, my 12 XXXX loans appear as follows : {$0.00} balance, paid, current and closed. 
I am seeking the removal of all closed and late patents connected to these accounts if possible. 
I reached out to XXXX but they said that I had to contact the credit bureaus for further information. I have sent letters to the three major bureaus in XX/XX/2019. That above status remains. 
Im simply needing clarification or the removal of the accounts along with any negative reporting/late payment history that is now current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan is through Bank of America. I have 11 months until it is paid in full. I received a letter from BofA today, indicating " Reply required, '' asking for date of birth, occupation, and source of income. This information was provided at the time of mortgage application. Hence, I suspected this request to be a scam or fraud. If not, it appears that BofA is not a good custodian of my personal information. The letter states : " Please note : Not providing the required information by the date listed above may be considered a request from you to close your account ( s ). '' I did not appreciate this threat, and quite frankly did not understand what it meant ... to close my mortgage? This is not an open line of credit. It is not clear, did they intend to call the balance due and send me to Collections? For information provided 14 years ago that they did not retain? I called BofA to ask specifically what they intended to do, to close my mortgage. The rep said they would n't be closing it, but I would not be eligible to apply for future loans through Bank of America. I would interpret this to be discouragement, a violation of ECOA, Federal regulation B.
This is troublesome behavior from one of the nation 's largest lenders.

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 2017-07-25
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a Washer {$790.00} Dryer {$790.00}, Hoses {$50.00}, Compact Air Conditioner {$410.00}, Headphones {$350.00} Steam Vacume {$240.00} Microwave {$170.00}, and installation {$110.00}. plus taxes total of {$3400.00} When I went into the store to purchase these items I had a {$2000.00} line of credit but as I was shopping and running out of credit the salesman said you have enough and approved me for another {$1000.00}. They had a promotion that week for 2 years no intrest. I was told that I would be getting the contract by e-mail that night or the next day. What I received about 2 weeks later was a payment book with the amount of {$190.00} to be payed monthly, I received no contract even though I called them after delivery of the microwave, washer dryer, which was delivered 2 days after purchase. around XX/XX/XXXX. My call to them was that I was being charged over {$6000.00} when I only had {$2000.00} credit! Also they delivered the wrong washer, Also they added an Insurance Plan which I did not authorize in the amount of {$3100.00} from XX/XX/XXXX to XX/XX/XXXX at {$44.00} monthly. The person I spoke to when I called the 1st time could not help me since she could not locate a contract #, or purchase order # or anything for that matter. So I called them back a week later and the answer was to go to the store that I purchased these things at and bring a homeowners insurance policy to show that I am covered in case something happens to the items. And then they would cancel the insurance that they charged me for. According to their rules I had 30 days to send back anything I did n't want. But as of today I have still not received a contract. Nor did I get the 2 years no interest this I got from the person I spoke to on the phone.. I told her that I am XXXX and do not have anyway of bringing these items back to the store and it stated on their website that they would pick up these things but with a 15 % restock fee which they wanted upfront. { not stated on their website }! So all together for a purchase of {$3400.00}. I got a total bill of over {$6000.00}, but no contract specifying the purchase prices, the type of financing, interest and term or any other terms and conditions, just a bill incorporating many extra insurance products for an amount exceeding my credit limit by an extraordinary amount and further no creditor would extend that much credit to someone who lives on {$800.00} a month social sercurity XXXX, the income would never support it! 2 or 3 days after I made the purchase, I contacted Conn 's and told them to pick up everything except for the microwave. But they have not come to pickup anything, and I can not bring them to the store. All of these things except for the microwave, washer and dryer and air conditioner have not been used and are still in the original boxes.

Company response to consumer: Closed with explanation