BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. i have notified the credit bureau and still they have not done anything to rectify my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have been a victim of inquiry issue. There are incorrect inquiries on my report and some that have previously been deleted and are back again. Also I have XXXX collection account from XXXX that has been paid but is still reporting a balance. They are not updating my info and have n't been. Disputed inquires were removed then reapplied.

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 2016-08-09
Company: Universal Fidelity LP
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just received a phone call from someone claiming to be with Universal Fidelity. 

At first there was an automated machine that thanked me for calling. They called me. Whatever their matter was, they considered it important enough to interrupt my day. To me, the interruption is important enough for them to have their IT department get that right. 

Eventually, I was transferred to a representative who merely informed me that she was on a recorded line, she works for Universal Fidelity, and they have a " personal business matter '' that came across their desk '' ( or some wording to that effect ). 

She talked very fast - apparently in the hope that I would not slow her down and she could get right to the part where she would make her commission. She seemed disconcerted and off-script when I asked her questions to make sure I understood what she said. 

I had to ask what this was about and what Fidelity Universal is. Only upon questioning did she inform me that XXXX is a debt collection agency. 

I asked her : How do I know she is who she says she is. 

She provided no way to verify herself, but asked several times for me to verify myself. 

We are told, often, in this day and age of terrorists and heightened security NOT to give out information about ourselves to people we do not know. 

Online, we are warned about scammers. 

I asked her to verify herself, and she could not. Instead, she said they would send me a letter and wished me a good day. 

She did not talk about the content of the letter, but from her tone it sounded threatening, like an escalation of this matter for legal purposes. I assume that private debt collection companies share their recorded calls with you, and you can listen for yourself. 

Only after her continued engagement with me on the phone did I have time to look up UFLP on XXXX. I found a very professional website. Of course, that does not mean it is who it says it is. Media reports the Federal government is aware of a XXXX XXXX building whose sole purpose is to confuse and scam and subvert the internet, in part by creating websites that are exact duplicates of legitimate websites and getting unsuspecting Americans to provide their information on fake webforms. 

In the section above, I put " Threatened to take legal action. '' I do n't know if that is what this was - but it was the only choice that seemed to fit this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had old water bill accounts from city XXXX ca water department.bac in 2010 I work out I payment plan with bill from the billing department.i paid all old accounts off .and I got a letter from grant mercantile collection agency.telling me I still owed those bills I paid to city XXXX.i told them I have paid these accounts off.and im infect in good standings with them .I also ask they confirm this info with bill give them his info.since then all I keep getting is old bill information I also dispute.it with credt companys.the information they recvied from grant mercantile is wrong and aginst the fair cedit act

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Risecredit, LLC
State: CA
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I was getting a mail information to get a loan, and I was applying for that, but I changed my mind due to high APR. i never received any money, but they were keep calling me at home and on my cellphones and every time i was trying to pick it up, it gets cut off. I find out that the person who was applying was using my name as an email XXXXXXXXXXXX which was not my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: Radius Global Solutions LLC
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX/XXXX/2015 at approximately XXXX, I called Central Credit Servcies LLC at XXXX to make a couple payments ahead on my account. The lady that answered sounded like she had difficulty looking up my account. I had to give her my social security number about XXXX times for her to get it clear. Then she acted like she could n't find my account. I 've called before and they have it up on the screen where all I have to do is verify it. Then she said I have to CALL MONDAY to figure out what happened to my account. She asked for my account number, I gave it to her and she hung up. I was n't rude and do not understand why I was treated like this. I understand it was close to then end of business hours but had she not procrastinated, the payments would have been made. I take her actions as payment refusal and feel Central Credit Services LLC should free me from my loan. I called to make a payment and was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: NY
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 am a victim of identity theft. 

I contacted Experian 6 times about my credit report and they have done nothing.

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 2022-11-16
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to the fraudulent investment firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted credit reporting agency Experian multiple times by regular mail, by certified mail, I have asked them for method of verification, and continue to respond as asccount veryfied, How could this be possible if I contact XXXX on account # XXXX and they do n't have the information that Experian is reporting. They simply ignore any request your send to them and respond with their automated system. I need this matter taken care of and have this account deleted as it is erroneous and useless in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Nelnet, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello XXXX XXXX, my PayPal account can not be linked to the bank, and I have contacted PayPal customer service for many times and the problem has not been resolved. I want to withdraw my own money. This incident has caused a lot of trouble to my life, please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Community Health Investment Company, LLC.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was invoiced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$70.00} on XX/XX/XXXX for an outpatient visit that occurred on XX/XX/XXXX. I paid the invoice via XXXX XXXX  XXXX on XX/XX/XXXX, which was before the due date of XX/XX/XXXX. The correct amount was pulled from my XXXX and paid to XXXX XXXX group at that time, however I was invoiced three additional times for the same amount for the same statement number. I verified with XXXX that the bill was paid and funds withdrawn, and I verified over the phone with XXXX XXXX XXXX that they had received payment, but they sent the alleged debt to a debt collector on XX/XX/XXXX anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
The credit reporting agencies XXXX  and XXXX  are misreporting information on my consumer credit reports and I am demanding the following accounts be removed from my reports as they are inaccurate and the agencies have not verified them in the allotted time. 

Midland Funding Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX XXXX XXXX XXXX Address ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Almost a month ago my account went negative and I was immediately assessed fees. Before I could get back on my feet and cover any of the charges, the bank continued to allow charges to go through and while doing so assessed fees each time. I have been charged over XXXX fees adding up to more than XXXX dollars. I had a XXXX account with them and they took the money I had out of that account to cover the balance without any warning causing my other account to become negative. They XXXX charged XXXX fees to that account as well. I have not been able to catch up and they took all the money that I did have, so now I am unable to do anything at this moment. I can not even pay my rent. The XXXX time I called about the fees, they refused to help me at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services has damaged my credit due to a mistake they made and admit to on a recorded telephone conversation with one of their managers. I have asked them to correct the mistake and withdrawal the adverse credit delinquency reports they have file for four consecutive months. Extremely poor service, no one calls you back when they say they will. I'm concerned that this mistake made by BSI will negatively impact my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm writing with regards to a dispute I did with Experian in regards to an incorrect item on my credit report. They came back and somehow initially not only verified the inaccurate item but updated it as me being 90 days late back in XXXX 2015. I was not even late and there was no payment history for this item yet somehow they managed to not only verify but also update the reporting as me being late!!! 

I have contacted the original creditor XXXX XXXX with regards to this item and they have no records of it, subsequently neither XXXX or XXXX has this on my reports. 

Yet again I disputed this item through the mail both detailing the fact that I could not possibly be 90 days late on an account that was not suppose to be on my record in the first place. Amazingly the account also shows that its closed with no balance and no payment history, yet I 'm 90 days past due for the month of XXXX 2015 somehow?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On or about XX/XX/20 I made a payment via Chase XXXX with XXXX via banking application in the amount of {$820.00} to XXXX XXXX to purchase a puppy called XXXX. On or about XX/XX/20 I made another payment via Chase XXXX with XXXX in the amount of {$1500.00} to XXXX XXXX this time for refundable ventilated crate to have puppy safely delivered from California to New Jersey. On or about XX/XX/20 I made a final payment via Chase XXXX with XXXX in the amount of {$1200.00} to XXXX XXXX for a missing city permit and license for the puppy. After the final payment I did not receive any delivery details or confirmation that puppy was on the way. I realized something was wrong. On or about XX/XX/20 and XX/XX/20 I called my Chase bank to notify them about possible scam and to stop the final payment. Bank representative advised me they couldnt stop the transfer and that they would only notify the receiving bank. On or about XX/XX/20 I reported this incident to local police in XXXX, NJ. The officer on duty advised me that it appeared to be a scam and that he would start an investigation. He also advised me to pursue dispute with Chase Bank which I did but it did not yield any results. I also contacted and notified XXXX company about the fraudulent transactions, but they refused to provide any information and to collaborate unless there was an official legal subpoena. Detective assigned to the case sent several subpoenas to XXXX and XXXX XXXX but they could not find records or track down where my money went. I did not receive the puppy and lost {$3500.00} from my Chase checking account. None of the companies offered help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a total of four letters to the company to ask for verifiable proof ( original Consumer Contract with my signature on it ) however the company has failed to do so. The company has only sent me a bill statement as verified proof. I do not have a account with XXXX XXXX XXXX. My first letter was sent on XX/XX/2021. My second letter was sent on XX/XX/2021. My third letter was sent on XX/XX/2021. This company is reporting inaccurate and incomplete credit information. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: Arnold Scott Harris, P.C.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A Harris Law XXXX called me on several occasions telling me I owe a credit debt. The phone calls have been coming for the past 3 months. Verified my address with me told me to have my ID ready when I 'm served with a subpoena to be sued. Have not sent any verification for me to dispute this debt. This has been going on for months. Would like the harassment to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Customer Service is giving me the runaround refusing to re-investigate incomplete and inaccurate information appearing on my credit report. I was told to call XXXX ( to dispute ) yet no phone number appears on my credit report, then our call was suddenly disconnected.

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