BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-11
Company: JPMORGAN CHASE & CO.
State: NC
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:
I was driving to XXXX in XXXX NC. I received a phone call while driving. I didn't recognize the phone number, but it look important. The phone # was XXXX XXXX. I answered it and the person identified themselves as Federal Agent XXXX XXXX, number XXXX. 



He said my Social Security was being used for laundering drug money and if I don't help the FBI, I will be arrested for working with the illegal drug organization. I told XXXX that I would help them. XXXX instructed me to take my money out of my Bank ( which is XXXX XXXX XXXX and buy Target Gift certificates. By doing this I would be safe guarding my money. I was instructed to go to the XXXX XXXX and buy 10 XXXX  gift Certificates, which was a 2 minutes from were I was. I told them that my bank was past the XXXX and I didn't have any cash on me. XXXX said to use my credit card, then get your bank money. I went into XXXX. CVS only allow me to buy 4 XXXX Gift  Certificates at {$500.00} each. I used my Credit Card, but my Credit Card Company refuse to accept the purchase. I then used my Bank Debt Card, but my Bank also refuse to accept the purchase. I had my wife 's Credit Card and used it. Her Credit Card Company accepted the purchase. Then the " FBI Agent '' then told me to go the XXXX XXXX supermarket. They only allowed me to buy one XXXX Gift card. Then the " FBI Agent '' then told me to go to Target and buy 10 XXXX  Gift Cards. When I drove to XXXX  and asked the employee at the door where the gift cards were. He told me it was a scam and hang up on the people. That's when I went back to XXXX XXXX and interestingly I did by a Target Gift card from them, but took the wrong gift card from the pile. I then called XXXX and told them to block the credit card purchase. They refused to do it. Then I called my wife to notify her Credit Card Company of the scam. Her Credit Card Company closed the credit card. I thought that was the end of it. Two weeks later my wife 's Credit Card Company said what happened wasn't consider fruad and re-charged my wife 's Credit Card for the {$2000.00}. I believe, number 1 - XXXX should not have allowed the sale, and number 2 - My wife 's Credit Card Company should not have allowed the purchase. In short, XXXX and my wife 's credit card company did not demonstrate any type of Consumer Protection that My Credit Card Company and my bank provided me. What can I do to have the {$2000.00} taken off my wife 's statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In year XX/XX/XXXX I bought an investment property located on XXXX XXXX XXXX, XXXX, XXXX XXXX. There were XXXX mortgages, XXXX {$80000.00} and the XXXX {$15000.00} XXXX  financed by XXXX XXXX XXXX XXXX XXXX Total {$95000.00} with a down-payment of {$6000.00} +. <P/>XXXX XXXX XXXX XXXX XXXX was then bought by XXXX XXXX XXXX In XX/XX/XXXX, I became sick with XXXX XXXX and still is till today, on XXXX. Due to my illness, I could n't go to the property to collect mails or rent the place. Two months into a foreclosure process in XX/XX/XXXX, XXXX XXXX XXXX foreclosed on my property for FULL price. I called when I discovered that the house was foreclosed. XXXX XXXX XXXX told me that FULL price was paid by XXXX XXXX who bought it and that I do not owe XXXX XXXX XXXX any amount on the XXXX mortgages. My XXXXbureaus credit reports started to reflect XXXX balance on XXXX accounts. <P/>Then in XX/XX/XXXX, a company called DykeOneal, located in XXXX XXXX XXXX XXXX, XXXX started to call and write to me that I owe them {$15000.00} XXXX mortgage. Tel : XXXX. <P/>First, their letter stated that I owed XXXX XXXX XXXX, however, a note they called Alonge-to-note claims that they bought the XXXX mortgage from XXXX XXXX XXXX <P/>I tried to obtain evidence of sale from XXXX XXXX XXXX, XXXX but XXXX kept telling me that I do not owe them and that I should talk to their attorney because the file has been closed long time ago. Their attorney meanwhile said that only XXXX can provide me the evidence of foreclosure sales I needed. <P/>DykeOneal then took me to court. To summarize, I was ill and couldnt appear in court the first  time. I wrote to the judge with my complaints. The judge ruled against me WITHOUT EVIDENCE. <P/>The I went to the court the second time to see the judge who thought I lived in XXXX XXXX whereas I live in XXXX XXXX near XXXX where his court is located. <P/>After passing judgment without evidence, he advised me to go to XXXX County to obtain the original sale papers and the Foreclosure sale papers. That I should compare the XXXX to see what is owed. <P/>I did. Both papers show and proved what XXXX said that I owe them nothing. However, the judge did not rescind in his judgement. He said I should go and get a lawyer to appeal it. I am on XXXX and could not afford a lawyer. <P/>Dyke ONeal has been harassing me since then and accruing interest on the {$15000.00} which they now calculate to be {$19000.00}. <P/>PLEASE RESCURE ME FROM DykeOneal. I DO NOT OWE THIS COMPANY A PENNY. <P/>I will furnish you with necessary documents if you provide me the method ( s ) to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I received notification and a refund check for {$4900.00} from Citi Mortgage in XX/XX/XXXX with an explanation that the refund was a function of not getting the benefit of a interest rate reduction ( at origination in XX/XX/XXXX) given the overall relationship I had with the bank. In subsequent discussions with the customer service dept., I understand that I should have benefitted with a XXXXbps reduction ( 2.75 % vs 3 % ) on the mortgage. The rate is fixed for the first 10yrs ( untilXX/XX/XXXX ) and floats thereafter for the remaining life of the mortgage. When I asked how they arrived at the figure of {$4900.00} I was informed that they took the initial principle ( XXXX XXXX ) and applied the XXXXbps for the first 5 years ( {$390.00} x XXXXbps XXXX ). While I appreciate that there has been amortization on the loan ( to $ XXXX ) and they paid on amount w/o considering amortization, I believe they should pay on the 10 year fixed period as I would benefit by a lower interest rate for an additional 5 years if the correct interest rate ( 2.75 % ) was used at origination. When I asked if I could appeal this decision as to the time period used for reimbursement they said I could not and referred me to CFPB. I still have a extensive relationship with Citibank so was very disappointed that they took they position. Obviously, I am happy that an internal Citi audit uncovered this initial mistake but I believe they have fell short in turn of a fair reimbursement for the period where I should enjoy an interest rate reduction

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-06-05
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Our billing statement for the period closing XXXX XXXX, 2017 states our Blue Cash Rewards balance as {$89.00}. That figure appears prominently on the very first page, in the upper right corner. It is the very first figure we see when we open the bill. However when we tried to redeem those rewards, we were told we could only redeem {$25.00}. Rewards can be redeemed in increments of {$25.00}, so we should be able to redeem {$75.00} of the {$89.00}. We called AmEx on XX/XX/XXXX to ask why our redemption was so limited. AmEx did not say the {$89.00} was a typo or other mistake. AmEx said it was because that 's how much we had on XX/XX/XXXX, then we redeemed {$50.00} on XX/XX/XXXX. We asked why that redemption had not been subtracted from the displayed Blue Cash Rewards balance on the statement issued nearly a month later, on XX/XX/XXXX. AmEx told us " it takes more than one billing cycle to post. '' That contradicts the XX/XX/XXXX billing statement, because the {$50.00} redemption listed as a credit on page 3. So clearly it had already posted, just like the numerous XXXX XXXX charges through XX/XX/XXXX.  AmEx expects us to pay. So we asked AmEx to honor the {$89.00} balance displayed on our statement, and allow us to redeem {$75.00} of it. AmEx refused to honor the balance printed on our statement. Its insistence on publishing a high cash rewards balance then refusing to allow redemption based on that amount is confusing at best, and deliberately deceptive at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I took out a mortgage with XXXX XXXX XXXX XXXX for the amount of {$340000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise, the mortgage monthly payment and interest rate were higher than promised, and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and the inflating interest rates. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's  office. The assignment of mortgage assigned the mortgage from XXXX   XXXX XXXX XXXX XXXX XXXX as nominee for XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX started a foreclosure action against me in the amount of {$340000.00} which is about {$3200.00} from the original mortgage 7 years earlier but I had already paid about {$130000.00}. How is that possible?

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 2021-11-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Portfolio Recovery purchased a debt from another company and I had no involvement with this transaction. As a natural person pursuant to 15 USC 3002 I, XXXX XXXX am a consumer and am not in charge of this name in all caps. Pursuant to 15 USC 1692b2 this company has reported that I owe them {$450.00} via the three credit reporting agencies ( XXXX XXXX and XXXX ) which is a direct violation. 15 USC 1681 states that the only ways information could be furnished in a credit report is by court order or with a consumers written consent and in this case neither was furnished. Also on XX/XX/1933 congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declaration that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment legal tender for public and private debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for Student Loan Debt forgiveness program with the XXXX XXXX XXXX XXXX company and was advised that they could cut my payments down to just under $ 300/monthly for the next 10 years and then the loan would be forgiven. All I had to do was submit a couple of payments in the amount of {$180.00} for the representative to contact Navient and get me enrolled into the program. I called the representative as requested and I have yet to hear back and always receive his voicemail when I call. I would like to recover my payments and charge this company with consumer fraud. This was the last email I received from them on XXXX XXXX, 2017 : HELLO XXXX, This email is to advise you that I have submitted to NAVIENT Servicing your REPAYE application and your paystubs. I will monitor everything here in our office but ask that you contact me directly by telephone on XXXX XXXX, 2017. to  complete a conference call to NAVIENT Servicing. I will speak to them on your behalf and we will confirm that you are either at the last stage of your process or if it has already completed. IF YOU HAVE RECEIVED CORRESPONDENCE CONFIRMING REPAYMENT PLAN CHANGE HAS COMPLETED then we will not need to complete conference call. You can contact me directly to review correspondence with you. If you HAVE NOT received correspondence confirming completion of your repayment plan change by the scheduled date above, then please call me directly. You can contact me anytime during the day if my voicemail comes on it is most likely because I am on the other line with another client just leave me a voice message and I will contact you back as soon as I am available. Thank you and have a wonderful day. <P/>XXXX XXXX Senior Case Manager XXXX XXXX XXXX XXXX Main XXXX Ext. XXXX Fax XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Trident Asset Management, L.L.C.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Trident Asset Management stating that they sold the account that I previous filed a complaint on with the CFPB. In the letter that was sent to me it says that the account was sold to XXXX XXXX XXXX XXXX XXXX. It fails to inform me that I have the right to dispute, It fails to inform me of the date that XXXX purchased the debt, It failed to inform me that I have the right to request validation for the assumed debt. The letter sent to me only informs me of the original creditor, the original creditors account number, current credit who owns the account now, balance due, and Trident Acc number. The information that is required by law is left out. 
The letter was written on XX/XX/2021 so I can only assume that the account was sold to XXXX on or before XX/XX/2021. Trident/Orion had to have a letter mailed out to me within ( 5 ) days after XXXX purchased the account with the necessary information included in the letter that is required by federal law. I previously filed a complaint with the CFPB about this account requesting that the account was not being validated by Trident, I never received a validation, instead they sold the account to their sister company named XXXX XXXX XXXX XXXX XXXX. 
It is now past the ( 5 ) day window allowed by federal law and the Fair Credit Reporting Act and other government entities that set forth and enforce these laws and regulations that has to be followed. 
I have requested for debt validation numerous times and Trident has refused to validate the assumed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a collection from AMSHER COLLECTION SERVICES that I disputed through all XXXX credit bureaus, in which both XXXX and XXXX ended up removing completely. I have disputed this MULTIPLE times with XXXX both by paper and electronically, but for whatever reason they will not remove it. I sent a debt validation letter to the actual collection agency claiming no responsibility for the debt and for them to validate the debt/validate that they can even collect in my state and requested this information be sent to me in the legal time frame per the Fair Credit Reporting Act, which is 30 days. I sent it as Certified mail with return receipt requested on XX/XX/21 and I got the green card back signed a few weeks later that they received it. I didn't receive anything back from them in response to my letter though until the end of XXXX, where they only sent me a copy of the bill I owed and nothing else ( no validation that they can collect in my state as requested ). I sent a letter to XXXX with copies of EVERYTHING and told them that it needed to be removed from my credit report since the collection agency did not respond in the legal appropriate time, but they ended up just sending me a letter that reflected my credit report with them and that they couldn't remove it because it was a valid debt ; not even addressing that the collection agency responded way past 30 days. I again disputed it online a few times after that but to no avail. Upon checking my XXXX account again this morning, this collection from AMSHER COLLECTION SERVICES is now showing on my report TWICE, which has decrease my score XXXX points. I am at the point where I am exhausting all avenues to get this resolved and am now at the point of considering hiring an attorney for this matter. The Fair Credit Reporting act and consumer protection is of no use whatsoever if credit bureau 's overlook the actual laws that are in place. I am being setback from purchasing a home because of this and I want it addressed and resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Other problem getting your report or credit score

Complaint:
On  XXXX   XXXX , I pulled my credit report with  XXXX  and all   XXXX   credit agencies came up. However when a mortgage lender pulled it.  XXXX   XXXX   XXXX  and  XXXX   XXXX  pulled it, both said that Transunion is not showing on my account. I contacted Transunion on Friday  XXXX   XXXX  and Monday  XXXX  to discuss and they advised that I am registered with them and should have a score due to their system having a score. I advised them that I do not have a score after trying numerous times. Not sure what to do but I am looking to open a home loan but t his one problem is preventing me from proceeding with get a home loan. Please help Thank you

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 2019-12-09
Company: Professional Receivables Network
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a letter from Sage capitol recovery concerning a debt of {$3700.00} with XXXX. They asked that I review this information and respond in writing within 30 days if I did not recognize this debt. Having never done business with XXXX  I responded in writing explaining that I was not the person that they were looking for, as well as that I never made any purchases with XXXX and that they had the wrong person. I had never received any calls until after they received my letter which was mailed to Sage capitol recovery on XX/XX/19 ( their letter was dated XX/XX/19 ). Now once or twice a week I get a robocall from Sage capitol recovery asking me to call XXXX XXXX at XXXX. I have had the exact computer voice message at least 5 times over a span of 2-3 weeks. I did return the call twice only to be automatically transferred to a voicemail which stated this voicemail box is full. Please call back at another time. There does not seem to be anyone working at this place as I have only received robocalls and cant get a human to answer any call. This is not my debt, I dont know how to have them stop robocalling me. As I stated clearly in my written response, they have the wrong person.

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