BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: JPMORGAN CHASE & CO.
State: MO
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:
To Whom it may concern, My complaint/dispute is described in the attached document XXXX XXXX XXXX XXXX  ( XXXX  ) was the free seminar which I attended in XX/XX/XXXX where I bought a 3 day workshop for {$990.00}. This workshop wasnt valuable and they did not allow us to document what they are teaching on the whiteboard, by taking pictures or other means. 

I already filed the dispute on XXXX XXXX  and waiting for their reply. 



After the 3 days, they pushed indecently for us to buy their program for {$24000.00} by promising us to get help until we get our investments back. Upon telling them I dont have this money, they said they will assign me with this company ( XXXX XXXX  ) to call different credit card companies and obtain the needed funds. I found out later that their real name is XXXX  XXXX. I paid {$3500.00} to this company as well. I was not given any time to read the contract. It was just one piece of the disclaimer, Please see attached. 
So I purchased the program through Chase credit card. 

After trying to launch my product with their poor advice and I failing, I had spent another {$5000.00} worth of expenses. They did not have any system in place not did their coaches have any knowledge. They did not render their services. 

They only refunded me {$5000.00} after a year, even though I had to pay a 14 % interest rate on the loan. 

So, I paid about {$30000.00}, did not make any money, am facing a big debt and cant even move forward with my business. 

I have all the documents along with further proof for your convenience. 

This company was shut down by the Federal Trade Commission for fraudulent practices. and it is no longer in business. 



I found out later that there were hundreds of complaints on XXXX XXXX XXXX against them. 



We was informed by the government ( FTC ) on XX/XX/XXXX that they shut down XXXX and there is a law suit against them. 



I am attaching the FTC website that advised us to call the credit card company to request a refund. 

Please see the attached paper. 

Also, please see the receipt of the payment and the statement. 

Thanks for your help XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX  XXXX {$450.00} XXXX AR XXXX {$590.00}

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 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019 @ XXXX XXXX, I received a call from XXXX from someome saying they were with CAPITAL ONE and that this was my'final courtesy call to lower my interest rate'.  I JUST GOT MY CAPITAL ONE CHARGE CARD LESS THAN A MONTH AGO and I was never charged any interest!  I haven't even received my first monthly bill report! They then asked for my FULL 9 DIGIT SOCIAL SECURITY CARD # so I KNEW for sure it was a scam/fraud because NO BANK EVER ASKS FOR THE FULL NUMBER!  I hung up and called the number on the back of my card and they verified that number is NOT Capital One and that it was a scam to get personal identity information.  They gave me an email address to report the number/situation to Capital One for abuse reporting and also recommended I report it to you via this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Podium Mortgage Capital LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Pinnacle Capital Mortgage Corp - Servicing On XX/XX/XXXX I submitted a request in writing via certified mail to exercise my federal right to have my PMI removed. I called on the following dates to follow up and on the last call I was told that someone would contact me by the end of XX/XX/2019 and no one has done so to date : Call in dates : XX/XX/2019 ( twice ) call was disconnected XX/XX/2019 XX/XX/2019 It  is now XX/XX/2019 with no contact from the servicing company. Federal law allows for me to make this request and for them to have the  correct information in my file - which remains in error despite my repeated attempts to correct this and my escrow balance. 

Please help

Company response to consumer: Untimely response
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX AR XXXX {$590.00}

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 2020-03-02
Company: Global Credit & Collection Corporation
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I had a XXXX, ( South Dakota ), XXXX. credit card debt that was sent to Global Credit & Collection Corp, XXXX XXXX  XXXX, XXXX, MI XXXX, phone XXXX. They have been collecting payments via ACH for many years. I can readily find bank statements back toXX/XX/XXXX and I know they were collecting payments PRIOR to that. 

When we started the authorization of ACH payments, they informed us they would be charging a {$7.00} monthly convenience fee. At the time, I was an XXXX XXXX XXXX ( XXXX ) for the credit union I was employed. I believe I remember we were told in training that consumers were not to be charged convenience fees for using ACH. I informed them that I believed that fee was not a legitimate fee, but they would not process the transaction without charging it. Knowing we really did owe the debt, I reluctantly agreed to pay the fee. 

In XX/XX/XXXX, my statement from them indicated the fee was {$0.00}, but there was no explanation as to why the fee was suddenly dropped and no longer charged. 

My question, as a consumer, is if they finally determined they should not be charging the fee, what about all the {$7.00} monthly charges I have been paying? My current records indicate I have been charged MORE THAN {$330.00} in these fees. 

I have talked with XXXX XXXX at Global Credit & Collection Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
In XX/XX/2022 I sent a letter to XXXX and XXXX to validate an alleged collection account. I did not receive a response. I then sent Transunion and XXXX a validation of debt letter in XX/XX/2022. I did not receive a response from either, but they both updated the comments with it showing dispute resolved.

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 2015-07-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have had a mortgage loan with Ocwen/PHH for several years and in XXXX of 2020 decided to refinance due to lower interest rates and better loan terms. The loan was a modification and was an interest only. The loan amount owed is {$590000.00}, therefore, a jumbo loan. The monthly payment was {$2700.00} which included taxes and insurance. The title company, XXXX XXXX wired {$600000.00} to Ocwen/PHH on XX/XX/2020 and escrow closed on XX/XX/2020. However, I was advised by XXXX XXXX in XXXX, AZ ( Escrow officer on XX/XX/2020 ) that the funds had been rejected and returned by wire transfer from Ocwen/PHH due to the property tax shortage. They held {$600000.00} for 14 days and did not alert me, the title company or my mortgage broker. Now they are saying that I owe them {$1200.00} and some change in interest because of the so-called shortage. The tax impound amount was wired to Ocwen/PHH along with the payoff and confirmed receipt by the title company on XX/XX/2020. They ( Ocwen/PHH ) have yet to request the return of the payoff and now I have two huge mortgages outstanding as the {$600000.00} was sent back to the title company and the new loan payment from the new lender is due on XX/XX/2020. Why did they hold the payoff, {$600000.00} for 14 days and did not advise anyone of their error until XX/XX/2020. They have not reconciled this situation as yet and I feel as though there may be some underlying reasons for this. In the meantime, my credit rating is in jeopardy and still show that I have two mortgages as the title company is in possession of the {$600000.00}. Please investigate this as something is appears to be seriously wrong. I am a senior citizen and certainly can not afford to be the victim of their wrongdoing and/or error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: CONTRACT CALLERS INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & CONTRACT CALLERS INC. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your  company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

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 2019-12-18
Company: EQUIFAX, INC.
State: MO
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 have a collection account recorded on all 3 credit reports from XXXX saying I owe them {$790.00} and I have no knowledge of this account. Ive disputed it, yet it still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX XXXX - XXXX is sending fake payment requests via PayPal with this message : " Your Payment of {$390.00}. XXXX to XXXX XXXX XXXX appears to have been unauthorized. If you did not make this transaction contact us @ XXXX ( XXXX ) XXXX ''. 
Its trying to tricky innocent people using an anti virus famous name asking for money via PayPal ... sending fake invoices...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}

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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$250.00} XXXX   XXXX {$2000.00}

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 2019-12-18
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & HUNTER WARFIELD Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$7500.00} XXXX XXXX  XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: LoanCare, LLC
State: NJ
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: Investigation took more than 30 days

Complaint:
Our mortgage service provider has not been reporting our on-time payments on our existing mortgage account and is reporting this account as " discharged through chap. XXXX bankruptcy '' instead of reporting it " paid as agreed ''. Two separate disputes were filed with XXXX  and they refuse to correct the reporting.

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 2020-04-20
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. Cbna I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information. It's really affecting my credit score and my ability to get further credit.

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 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Below is the text of the letter I sent to Bank of America. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXBank of AmericaXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Bank of America was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Bank of America 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief