BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: Fidelity National Financial, Inc
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX of texas was the closing title company. I signed my loan documents on XX/XX/2021 and still the loan is not closed. XXXX XXXX says they never received payment. XXXX says they sent the money. I am already due for my loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: Credit Protection Association, L.P.
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt collection agency called Convergent Outsourcing , Inc., has been calling my home phone and has begun sending letters claiming that I owe a debt to XXXX, of some {$400.00}. After confirming with XXXX that I had no outstanding balance, I closed my account. Convergent has continued its attempts to collect the debt despite my telling them that the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions Inc.
State: NJ
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 just got a copy of my credit report and i saw that someone opened a XXXX account in my name. I have never had a XXXX account the address listed is not associated with me. I am attaching my ID that has my address and also social security card

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 2016-12-03
Company: Rodenburg LLP
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I HAVE BEEN SENT A LETTER IN THE MAIL FOR A DEBT of {$38.00} IN WHICH I DO NOT OWE

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received calls asking for {$44.00} to XXXX and I told the person I didn't know what they were talking about and they had me do a complaint over the phone with them saying that I didn't know anything about the money. The were very admit that I did owe this {$44.00} because something that XXXX had done. I asked to speak with the manager and I thought that everthing had been taken care off ; then I received this letter from a Jefferson Capital. I called the number to ask what this was about and say that I didn't borrow {$44.00} the man starting asking odd questions so I asked to speak with a manager. He would not transfer to a manager said if I didn't tell him what he wanted then He would not help me. I tried for a second time and then told him that I would falllow up with an attorney. as I looked over the documents I noticed on the back of the frount page there was writing and it communicated information about The Federal Trade Commission and I tried to produce a complaint when was transfered to CDPB. 

Can you please help in this matter. thier contact informaion is Jefferson Capital Physical Address : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX ( This is what it says ) Debt Description : XXXX ACCOUNT Account # XXXX Current Creditor : Jefferson Capital Systems LLC JCS Reference # : XXXX Amount of the Debt : {$44.00} Unless you contact us in 30 days we will assume the debt id valid. 
The date of this letter was dated XX/XX/XXXX and I just recived it not toolong ago and this is XX/XX/XXXX. This this just is so odd they say that if I contact them within 30 days after the letter then they will give me a copy of the judgment against me. very odd. 

the whole thing is that I really have no Idea of what they are refering to in the first place and I believe they are doing this to a lot of people to get money. I beive this is fraud a scam to scare people so they will say that it such a small amount let me just pay it. No Way I will not be that somebody who will be taken advantage and it is my American right to stand up help the others who may be the victim of a crime such as this. 

Thank you for your assistance in this matter. 


XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage payments made monthly since loan modification in 2014. Was notified by XXXX XXXX XXXX XXXX in XXXX that a past due amount was owed {$6700.00}. XXXX XXXX XXXX XXXX is sub serviced by M & T Bank in which that is where the loan payment has been going. I have copies of every payment made since 2014.

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 2015-10-13
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I noticed on my account, there is a XXXX account assigned to me.two things wrong with this, one I do n't have a XXXX account, Two I have never lived at the address assigned to this XXXX account. You can check my public records and see I have never lived at the stated address assigned to that XXXX account. I would like it investigated and removed from my records, please. 
Thank you and I look forward to the outcome of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Description of Complaint : The initial issue stemmed from a chargeback on a crypto purchase. When I became aware of the issue, I made a deposit of 5 times the amount of the {$100.00} chargeback. I have submitted over 15 support tickets in the past month with ZERO response to rectify my inability to trade. Binance has denied me access to over {$17000.00} in cash and crypto assets for over a month which is unacceptable. I have missed out on numerous opportunities to make trades that would have benefitted my family financially. I have fulfilled all actions on my behalf to resolve the chargeback, such as depositing more than 5 times the amount of the initial chargeback. Binance immediately deducted the amount of the chargeback from my deposit, but NEVER restored trading ( buying and selling ) functionality to my account. The deposit for chargeback resolution was made on XX/XX/XXXX, which is over a month with no trading ability. Bad business practices from financial institutions are unacceptable and create consumer distrust in the marketplace. 

Binance written policy which has been violated states as follows : How to restore access : To regain access to your account, please check your deposit history and email for any chargeback notifications. If you have received one, we'll need you to settle the dispute by making a new deposit and return the appropriate amount here. I've repaid the negative balance on my account. What happens next? Contact our customer service team here. We'll verify your transaction, and your trading and withdrawal ability should be restored within seven days. 

Desired Settlement : I would like my trading functionality restored immediately, as well as a formal apology for the gross negligence of service which has caused me financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Jim Bottin Enterprises, Inc
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been receiving calls and also a letter from Sea 's and Associates. I have never stepped foot in a XXXX fitness location anywhere. XXXX fitness advertisements states {$10.00} per month no contract. They had a XXXX cent promotion going and I decided to sign-up, a personal trainer contacted me via text message and schedule did not fit my schedule so I declined. I used a pre-paid card luckily because I never even went to the gym. However, I really need the phone calls to stop about the $ 90+ that I do not owe!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This auto loan was a joint account. Opened in XX/XX/15. And we contacted the loan company to resolve this once the other party took over the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX i applied for a capitol one credit card and was approved with a XXXX limit. i recieved and attempted to activate the card by phone was told there was fraudulent activity and i needed to apply for a new acct. I did and was approved at a much lower threshold of XXXX, which means my credit was affected. again i recieve the card attempt to activate it and was told there was fraud on the acct and it was cancelled, I ask what fraud? they cant tell me but advise me to go to a local branch In XXXX XXXX XXXX and XXXX XXXX. I went XXXX and met a gentleman by the name of XXXX XXXX ID # XXXX who copied my IDs and called the fraud dept and faxed them my ID copies to XXXX, a XXXX on the phone by the name of XXXX ID # XXXX advised after 2 hours on the phone there was nothing they could do and advised me to reapply a 3rd time for the same card, We both were agast and I asked why if I was fraudulent why would they want me to apply for a credit card again, her reply was that i was listed as deceased even though i was at the bank with ID and was verifiable .... I left there and contacted XXXX and they called capitalonebank Fraud dept while i was on the phone with them and they verified and corrected this person on the phone several times and stated that there info was incorrect and that i had long since established I was not decedent and that the SS XXXX would contact the bank and notify them of my death, which they had not. again no answer but to reappy ... fastforward to today XXXX/XXXX/XXXX i call the fraud dept to get a disposition and after speaking to the XXXX person who claimed to be managers they advised me that nothing else cpould be done. Yet they accts and inquirires all reflect on my credit report and i still have no answer can you please forward an in quiry thank you XXXX XXXX XXXXXXXXXXXX, cell phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I paid off an old Credit Card Debt and was told it would be taken off my credit and not listed as settled. It is now listed on my credit as : Charged off as bad debtDispute resolved ; reported by grantor This is damaging my credit and would like it to be resolved and taken off since I paid the full asking amount that they where asking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TrueAccord Corp.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got on my bank account today to see about getting groceries. And I noticed that I had an overdraft charge, but my account still stated that I had {$300.00} balance with a negative {$140.00} available. I have 6 pending charges, each at {$75.00} from XXXX XXXX agency. I do have an agreement of autopay at {$75.00} per month. I have submitted an email to this company in regards to the over charging. I also had gotten onto their website to view my account and it also states there of the 6 payments that I had not authorized. I have attached my bank statement showing the multiple pending charges and the overdraft charge along with the account/payment information from the collection agency showing all payments at {$75.00} per month until XX/XX/2021 with 2 pending payments and XX/XX/2021 with 4 more pending payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was inquiring for educational purposes at XXXX XXXX in XXXX California. I was enrolled and attended the XXXX program there. I was unable to cover tuition, and took out a student loan which did not cover my full tuition. XXXX, gave me XXXX only other option, to take out a Personal Loan with Genesis Lending. I paid on it for quite some time and stopped recently because I did not finish the program and my husband XXXX. since then my payment has XXXX and my credit is ruined! While I was attending school I wa threatened repeatedly that I would be dropped or removed from school if attendance was not met or payments not made and that I would STILL be responsible for the debt. It was the worst decision I ever made!! attending that college, for a trade that pays NOTHING!! I have since been promoted in the XXXX and am an XXXX at a very successful XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit cards was charged for more than {$8000.00} transaction from XXXX " XXXX '' website and that is fraud. I do not purchase anything from XXXX. I contacted the chase immediately and report the fraud to them. However, two weeks later, chase still charges me {$8000.00} for the purchase from XXXX. That is ridiculous as I do not purchase anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls from the agency for a person I do not know. On XXXX/XXXX/2016, I received a call asking for an XXXX, i informed the rep she had the wrong number, and i was advised she would remove my number. Again on XXXX/XXXX/2016, I received another call asking for the same person, again told them to stop calling me. They were also using an auto dialer to call my cell phone, which i told them they did not have permission to do, and again to stop calling my number. Then on XX/XX/XXXX, i have received two calls. Once at XXXX, and again at XXXX. Again they are using an auto dialer to call my cell phone, after being told not to, and i again have asked them to stop. When calling to ask them for their address so i can mail them a cease and desist letter, the first rep refused to give me to me, transferred me to a supervisor, which i had to wait 5 mins to talk to.

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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2021 I checked my credit report. Only to find lots of incorrect and fraudulent information on my credit report. I immediately called Transunion, XXXX XXXX XXXX to have the inaccurate and fraudulent information removed. I was informed to put something in writing, along with a FTC report that needed to be submitted, my Drivers License, and one current piece of mail to validate my true identity along with address. I followed the direct orders give by each representative and nothing has changed on my report. I mailed another letter on XX/XX/2021 with another request to have the inaccurate items removed, along with their Method of Verification. I got my credit reports on XX/XX/2021 from Transunion, XX/XX/2021 from XXXX  stating their fraud department flagged my documents as fraudulent. I am just disappointed and upset the system they are using to verify documents is out dated and is causing my credit integrity to be compromised. They have disregarded the consumer laws and have shown a lack of correct 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 2015-07-15
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I signed up on Chase 's website to be enrolled in automatic monthly paymentson my Chase credit card. I thought that I signed up to pay the monthlystatement balance by selecting " minimum balance '' for my automatic paymentoption, however a few days after the automatic payment ( due date for thecredit card monthly payment ) I found out that only {$25.00} was paid to my creditcard balance and I was charged interest for the days that had passed since thedue date. I called Chase immediately to rectify the situation and spoke to XXXXdifferent staff members who informed me that due to the rules I would have toowe the interest for the time that passed due to the {$25.00} minimum payment. Ifeel that Chase purposely had misleading and confusing wording on " minimumbalance '' for the automatic bill payment so that customers would make thiskind of mistake and they could collect the interest. I have almost always paidmy statement balance in full by the deadline and have an excellent credit rating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-15
Company: BBVA FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA transferred all Simple customers over to BBVA accounts on XX/XX/XXXX. It's now XX/XX/XXXX and I am still unable to access my account. I've been locked out for a week. I've tried calling the customer service line and simply get put on hold for hours and then get hung up on. They offer no other options for resolution. I now have no way to access my bank account to see my balances or use my funds in any way other than by swiping my debit card. 

It's pretty shocking that BBVA has been able to get away with such a terrible handling of a major transition. That's a lot of people 's money that they're messing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
A business with its own Federal EIN tax ID opened a credit card account on XXXX XXXX, XXXX with CHASE CARD under the Account Number XXXX where myself and another individual were listed contacts on this card account. This account had an outstanding balance and late payments and became delinquent from XXXX XXXX through XXXX XXXX. Then, CHASE CARD reported these late payments on my personal individual credit profile to all XXXX credit reporting agencies, even though this was a business account with its own tax ID and I did not have control over payments for the business. In XXXX XXXX, CHASE CARD ensured me on a phone call that if I settle the account, all derogatory and negative remarks would be removed from all my personal credit reports. The business account was settled for less than full and closed in XXXX XXXX. In XXXX XXXX, I saw that CHASE CARD had reported on my personal individual credit profile to all XXXX credit reporting agencies that the account was settled for less than full and this was a negative remark, which would not be removed from my personal credit profile until XXXX XXXX. The XXXX issues I have is that 1 ) Chase reported derogatory remarks for a business account to my personal credit profile and 2 ) Chase did not remove all negative remarks as promised upon settlement of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get a collection on my account without my knowledge and now received frequent phone calls with a company I do n't even know. The account is closed on my credit report and the balance of {$1700.00} still showing so I do n't really understand why the company keep calling me for a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: WELLS FARGO & COMPANY
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have been denied a person loan 2 twice while having a great credit score and an income of more than $ XXXX. I feel Wells Fargo is being bias.

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