BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Got scammed into a crypto fraud scheme. There were a total of XXXX transfers. Starting XX/XX/XXXX XXXX there four {$1000.00} dollar transfers out of our checking account by debit to XXXX XXXX On XX/XX/XXXX there was {$10000.00} withdraw by debit. The rest of these were by domestic wire transfer. XXXX {$29000.00} each. XXXX {$55000.00}, XX/XX/XXXX {$71000.00} and XX/XX/XXXX {$20000.00}. when this was taking place I was getting threatened with money laundering charges. XXXX sent me an affidavit showing money I would receive. When it was paid i was told it would cost another $ XXXX. even though I knew something wasn't right, I knew then I messed up. they threw out names like XXXX XXXX, head of the XXXX and XXXX XXXX XXXX, head of the FBI. We were scared. threats like that and toward my family. I didn't know what else to do. XXXX XXXX was the primary contact. XXXX XXXX was involved as well. I thought they were all legit. I cleaned out my savings and retirement. Please help us. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
After several attempts TransUnion credit report agency neglected to update wrong information in my files related to chapter XXXX Bankruptcy Because of that bad information when I applied for credit it has been denied because it said in my report that a public record appears in my file I sent TransUnion a letter from the court showing that the Bankruptcy case was dismissed but they insisted that my case was granted In the other side, XXXX  and XXXX had updated that information already I explain to them that I was ineligible to receive a discharge but them do not want to do nothing I would like you to force them to update my files with evidence I have at hand

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 2017-04-11
Company: BANCO POPULAR DE PUERTO RICO
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
What has happened to common sense and integrity? 

I have an XXXX miles card in my name opened in XXXX 2017, through Banco Polpular de Peurto RIco. 
-XXXX, 2017 the risk control department placed a restriction on the card and requested a copy of my passport and XXXX utility bills. I requested why and XXXX explained the IT tech department can not identify my address provided on original application ( XXXX Mi. XXXX. 
( This address does confirm on my credit reports as a current address ). XXXX lied, she deliberately provided me with false information. However, I want to stress it is not XXXX fault for lying, as this is the standard procedure of Popular Banco -The truth is ; a Risk Control employee believed my account was opened as a result of identity theft. The problem is ; Some employees ( particularly the ones with a low self- Esteem or insecurities do not like to admit they were wrong. 
Further facts : 1. A risk Control employee requested I answer numerous security questions to identify me. I answered approx.. XXXX correctly and without hesitation. 
2. The email used is my email, in my name and has been active for years 3. Banco Popular de Peurto Rico 's, risk control department decided to call an alternative phone number, I did NOT authorize and not provided on my application, therefore reached a family member who I do not get along with. This family member provided the Risk Control rep. with false information, but has never provided documents to support their identity. 
4. Alternately, I have provided every document requested and more not required for the purpose of clarifying this issue immediately. 
5. As of XXXX 2017 the restriction continued although all documents have been received weeks ago. 
THIS NEXT ISSUE IS VERY INTERESTING : 6. On XXXX 2017 I contacted the Risk Control department again. They placed me on hold for 20 minutes, a few minutes later the alternative number at my home rang, but this time I am home and watching my brother-in-law who would not answer it with me around for obvious reasons. The risk control rep. came back on after the lengthy hold, I figure I would play along to see how many more lies they tell. Like clock work, the lies began again. The Rep. said another risk control agent would get beck to me later that day. 
7. Therefore, I decided I have had enough and requested a cease and desist order. I informed the rep. all future dialogue was to be done through email, USPS, XXXX. So all facts going forward where clear. I also emailed them this request. ( attached ) Additionally, since Popular Banco de Peurto Rico believes this account is or could be the result of identity theft, why are they reporting it to the credit bureaus?

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 2022-09-15
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings, I have discovered a delinquent payment on all major credit reports. I have attempted multiple times to have this corrected by contacting my student loan servicer. Those attempts were unsuccessful. 

I am disputing student loan data that shows " 90 DAYS '' late for XX/XX/2019. 

My credit report currently shows the following : - XX/XX/2019 " 90 DAYS '' Current, was past due 90 days - The same credit report shows payments from XXXX, XXXX, XXXX, XXXX, and XXXX as " PAID. '' - How can I receive a " 90 DAY '' late mark when the previous months all say paid? 

- Finally, I requested proof of payment history from XXXX, and the data received shows no detailed history to clarify the data above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
They have put this collection on my XXXX ( 8 ) eight times. I thought this was against the law. My credit score went from XXXX to XXXX. This collection agency is I C Systems Inc. XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/ 2021, XXXX XXXX 2021, XX/XX/2021, XXXX XXXX 2021, XX/XX/2021, This is all for the same bill.

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 2017-06-07
Company: EQUIFAX, INC.
State: LA
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  is collecting an account for  XXXX . I have never had an   XXXX   in my life. I can find nothing old on my credit report th at may have b een purchased by  XXXX  ..or ch anged to  XXXX . I disputed this with  XXXX  and the credit bureaus and they left it on my file.     Account number listed on bureau  XXXX  Amount listed {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Navient Solutions, LLC.
State: RI
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 was told by Navient that i was qualified to have some of my students loan debt forgiven after i was employed at the technical school for a period of 5 years. The the school i teach at qualifies because it serves the low income community. At my 5 year mark 2 years ago i sent in all the proper paperwork for my student loan forgiveness. Several months ago they called about my loans and said i was behind. I told them that i was told after i submitted the student loan forgiveness paperwork that i would be recontacted about the loan forgiveness and if there was a remaining balance then i would work out a new payment plan. I ended up taking another forbearance because they pushed me to take on to hold my loans from defaulting and still can tell me the status of my student loan forgiveness. They now tell me they don't know where my paperwork is for forgiveness or the status of my loan forgiveness because its done by a third party. they also can not tell me what third party may have my paperwork or even if it is lost. I am willing to resend it. I have lost trust in this Navient company all they seem to want to do is give me a forbearance or hardship they don't want to work with me to help me find out the status of my forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.

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 2017-04-24
Company: BARCLAYS BANK DELAWARE
State: VA
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:
Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  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 monetary relief
Consumer complaint received 2022-08-04
Company: Financial Business and Consumer Solutions.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/22 I received a phone call from FBCS at XXXX am, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from XXXX XXXX to the tune of {$500.00}. I have not received any communication from XXXX for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially one I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a one party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had two debt companies calling me on the same day for the same amount of money from the same creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: MS
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 sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a XXXX of all letters sent below. 

XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the XXXX opinion.

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 2017-04-24
Company: Northwood Asset Management Group
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Northwood Asset Management Company   calls my phone several times per day leaving messages that either myself or my representative need to return their calls. When I have called back I am not told what they are trying to collect for so I do n't even know if it is something legitimate. They have not sent me anything in the mail concerning the debt. Just ask where they can find me so they can serve me with papers to sue me. I am in Utah and I know this company is either in NY or Florida but when they call it 's from a number that looks like it is a local Utah number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have been a client for Bank of America for o ver four yea rs I have never been late on my payments. I have always paid before time and sometimes I pay more then what 's the statement show.     On the month of  XXXX    XXXX   they allowed my credit line to be over  XXXX  without my permission or prior authorization.     But nevertheless the bill was {$930.00} and I paid {$950.00}. When I pay my bill it was on  XXXX   XXXX  because the last transaction that I used was on  XXXX   XXXX . And the total transactions at the closing date of the  six wa s {$930.00} They did an adjustment to the credit for {$39.00} and they call that annual fee that was built on  XXXX    XXXX  . But I did notsee that on my online statement when I paid the bill.     I called Bank of America a representative was very cooperative and they assured me that it will be taken care of and they will take it out my credit report. Call was made on  XXXX   XXXX    XXXX   I received a letter on  XXXX   XXXX  stating that the 30 days was valid and they can not change it. After I was being assured that it will be handled and taken out of my record.     Thanks

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 2017-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Perhaps this is just an oversight or result of high volume of disputes you receive daily. I highly doubt an agency that is responsible of maintaining accurate information would neglect to follow the laws that govern them on purpose. I am sure you will want to tend to my request as soon as possible.       Incorrect Name :   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL   XXXX   This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       XXXX   XXXX   XXXX   XXXX   FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.      XXXX   XXXX   XXXX   XXXX  FL  XXXX  This address is incorrect and is not an accurate address for me. Delete this name for violating the FCRA.       Incorrect Social Security Number :   XXXX   This SSN is incorrect and is not an accurate SSN for me. Delete thi s SSN  and any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN an d any accounts associated with it for violating the FCRA.      XXXX  This SSN is incorrect and is not an accurate SSN for me. Delete this  SSN a nd any accounts associated with it for violating the FCRA.

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 2021-12-09
Company: EQUIFAX, 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to COVID 19, I was offering my mortgage company to bring my mortgage current, that was deliquent during my XXXX following the death  of my son, they refused to take the payment, stating that they are reviewing my offer. I was working with a mortgage counsellor from HOPE in XXXX Maryland. while waiting for their review COVID happened in XX/XX/XXXX. My job was to go XXXX XXXX  and XXXX XXXX XXXX and assess XXXX XXXX XXXX XXXX. 
Obviously COVID impacted that community more than any other community, I then contacted my mortgage company about the hardship and loss of income, they agreed to place the account in forbearance. In XXXX they wrote me a letter that the forbearance has closed and requested that I show proof of hardship, I sent them the documents and repeated the offer to bring the account current prior to COVID. Once again they refused and sent a letter that they will like to review it. Meanwhile payment was taken in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they turned down payment, stating that they will be going to foreclosure. 
Now they are requesting that all the past due amount prior to COVID and during COVID should be paid in full. When I informed them that they had approved the forbearance period, they do not care if there was lost of income that period, they just want it paid in full or they will foreclose the house. They then increased my interest rate to 4 %, which is very high compared to current mortgage rates All attempt to talk to them has proved futile, they insisted that I have to pay all total amount. Every attempt to remind them that forbearance was requested due to hardship was ignored. I am scared and worried that I might lose my house if nothing is done

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TDBank Allowed a transaction that  was not approved to go through and are not helping me fix the problem.  I called to dispute the transaction but they say that it take till th end of the month to fix this. It is causing me hardship.  I called them back to ask for a credit to be added to my account but they said that they couldn't because of law but at my other bank they always have credits for dispute transactions.

Company response to consumer: Closed with monetary relief