BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a listing on XXXXXXXX XXXX for a pair of XXXX XXXX boots. Someone reached out to me through XXXX XXXX to see if they were still available. While I had sold them and forgot to update the listing, they asked if I had any other XXXX XXXX shoes. I said yes and they said that they wanted to buy them. We agreed to do the transaction through XXXX. I sent them the email associated with my XXXX account. I received an email that said the buyer had sent the money and to release the money I needed to send confirmation that the item was shipped ( Friday XX/XX/2022 ). Then, I had received an email that said that my XXXX account could not accept the payment because it was over {$100.00} and my account was a personal account, not a business account ( Friday XX/XX/2022 ). To fix this, it said the buyer needed to pay {$400.00} on top of the cost of the shoes and I would have to reimburse them. I sent the money through XXXX ( which I use through Chase Bank ) and then received another email saying that XXXX had an error in their system and it double charged the buyer ( Friday XX/XX/2022 ). I needed to send them another {$400.00} before I could be credited {$810.00} ( it should have been {$910.00} if the math was correct ). XXXX prevents you from sending more than {$500.00} in one day so I waited until the next day ( Saturday XX/XX/2022 ) to send the money. Once I sent the money, I received another email asking for another {$500.00} ( Saturday XX/XX/2022 ). At this point, I had recognized that the email were fraudulent. There was also no evidence of these pending charges on my XXXX account. I contacted Chase on Saturday XX/XX/2022, and they said that since these payments were made through XXXX, they could not be reversed. I was able to place a request for USPS to intercept the package and return it to sender, but I lost {$800.00} and I am a XXXX XXXX I reported the buyer 's XXXX profile and the XXXX XXXX conversation we had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card
Issue: Cash advance fee

Complaint:
I have been a member of XXXX bank for many years but this year 2016 I had obtained a cash advance in the amount of {$10000.00} from the union bank on XX/XX/<YYYY> XX/XX/2016 with 5.99 % interest rate as a promotion. At that time XXXX bank was using The first bank Card services and I had always made the monthly payment on time and never late. Starting XX/XX/XXXX, I received a phone call that the payment was never received and charged late fee which was post it in XX/XX/2016, after I had made the payment and received a confirmation number?? 
My account was transferred back to XXXX bank with a new visa card and I was being charged 14.99 % interest rate since XX/XX/XXXX. When I called to inquire about the increase interest rate, I was told because my account now was with XXXX Bank?? it seemed rather strange that my account had always been with the XXXX bank. The monthly statement reflected 5.99 % rate and still my payment showed I am responsible for 14.99 % according to the XXXX Bank representatives? many phone calls and hours and hours of being placed on hold have not resolved the issue and the discrepancy?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-23
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I entered into a Deferment Agreement with XXXX Mortgage. The agreement was to have all missed payments and fees moved to the end of the loan. I would have to make a payment of {$1200.00} and sign paperwork and send it by email. I signed the paperwork, emailed them to XXXX XXXX, a client service representative. I also spoke with XXXX and made the payment {$1200.00} and received a confirmation number of XXXX. It took more than 14 days for the deferment to process. When I received the first statement after the agreement XX/XX/2022 ( for XXXX payment ) the deferment did not appear. I called and spoke with XXXX and she insured me that once it mailed the deferment would show. When I received the Monthly statement for XX/XX/2022, it didn't. Then when I received the XX/XX/2022 statement it showed the deferment but there was a fee of {$2500.00}. Under item 4 on the deferment it stated that " any late fees will be waived by the Servicer ''. When I contacted Truist with several calls and emails regarding the fees being deferred they said they were fees from XXXX XXXX XXXX XXXX  before the merger. The fee amount changed during the deferment and portions forgiven. Why wasn't the remainder forgiven or deferred?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Medical-Commercial Audit Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MCA management company has placed a collections/chargeoff account in the amount of {$800.00} for an original lender of XXXX  XXXX. I am not aware of this, and there the account type is NOT REPORTED nor is an amount past due, nor is a credit limit, I am confused why MCA management company did not attempt to contact me in writing so that I could request a VOD, Why would they just place a negative mark on my credit reports? Is this even mine, did I apply for credit with someone? What were the payment arrangements? I did not agree to anything with MCA management company, I have never heard of them. send VOD, with all additional documentation that you can provide me with

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 and XXXX XXXX, 2016 Capital One Bank ( Cap One ) performed XXXX inquires. I have demanded them to send me a original sighed contracted that I granted them permissible purpose to view my credit. I am getting the run a round. They had no permissible purpose for placing this inquiry on my credit report. I have been demanding them to remove their inqury. I have sent letters to both the credit reporting agencies and Capital One themselvs to remove the inquiry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-19
Company: Convergent Resources, Inc.
State: CO
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:
XXXX is trying to charge me with the like of XXXX when I paid them off, and from both companies I was charged, double, and an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03
Company: Firstsource Business Process Services, LLC
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 SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not received any written notification of this debt by CMRE. I i was called about a debt in XXXX of which i made payment in good faith & requested Dr 's information or the clients they represent, however i have not received any receipt of that payment or any other payment reminders or even details how this debt was accrued. 

i never got a bill from any doctor neither do i remember receiving any information neither by call or in writing from CMRE, this was only brought to my attention, when it appeared on my credit. 

i am in the process of purchasing a home and attempted to pay them {$100.00} though i already mentioned this was mistaken identity. 

they threaten to put this on my credit if i did not pay, so i paid them just to avoid any discrepancy on my credit. 

well come to find out they reported falsely to my credit and have engaged in XXXX style tactics, threatening and harassing me since i made my first call to them.. 

i need justice and a refund, they should delete this from my record and provide the Dr or Hospital details that gave them my information, so they can be sued. 

falsely reporting to my credit has caused me great financial loss and i am in the process of losing the Ernest deposit i made.

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 2016-05-02
Company: Optimum Outcomes, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
OPTIMUM OUTCOMES, INC.is reporting XXXX debts on my credit report for XXXX each. I have requested verification and validation of debt numerous times. I have never been to this facility and this debt appears to be reported twice which is a violation of the FCRA. I want proof of this debt and that I owe it. My social is XXXX and date of birth is XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: U.S. BANCORP
State: AL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.

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 2016-11-27
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
{$800.00} was stolen from my fiance 's checking account on XX/XX/XXXX. He was previously removed his administrative assistant as an authorized user. At that time he went to the bank to get her removed, the bank failed to mentioned that even though " removed '' she still had access to the account. Again, when I was added to the account last week Tuesday, the bank had me and my fiance sign authorized users document that did not have her as an authorized user to his account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it. 

I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.

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 2016-01-15
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 XXXX derogatory collection accounts on my XXXX and XXXX credit reports from a place called CMRE Financial Services. I have tried repeatedly to try and have these removed because I do n't even know what they are but have failed in every effort. In trying to have these collections removed this company continues to change the dates on my credit report so that these collections are never removed. I have tried everything to have these collections removed from my reports and to have the people from this company leave me alone. They just keep harassing me by phone and I 've told them repeatedly that I do n't even know what these accounts are.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: SUNRISE CREDIT SERVICES, INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
They collected {$400.00} from me while I was filing bankruptcy the representative lied to me and said I had to pay until it was fully discharged when I contacted my lawyer he told me that was against the law since all my debts were included in my bankruptcy

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
Consumer complaint received 2022-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been with Capital One since I was XXXX XXXX XXXX and have had minimal issues until now. On XX/XX/2022 I received a text message from the Fraud department asking if I attempted to make a purchase in which I replied no. My card was charged 3 times for a total of {$110.00}. I went to a gas station the day before this incident and must have dropped my card without realizing it. I called to dispute the payments at which some point the customer service rep asked me if I had my debit card with me. I assumed I had the card without checking to see if I actually had it and told the representative that I did have it. Because of this they have denied my claim and stated that I authorized the payments since it was chip enabled. They credited my account for the full {$110.00} but will remove the money from my account since the claim was denied. Ive been with capital one for over 11 years and have only disputed a payment less than a handful of times. I have tried to appeal their denial but they are not willing to solve this problem. I dont understand how Capital Ones XXXX department notified me of these purchases but denied my claim. I am beyond frustrated and upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Security National Financial Corp
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced with security national then got collection notices before my payment was even due and i had made the payment, now t hey have failed to pay my homeowners insurance and that is included in my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Convergent Resources, Inc.
State: NJ
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:
On XX/XX/XXXX I pulled my credit report to see exactly what was listed on there. I found a collection entry from Convergent Outsourcing {$580.00} with a date open date of XX/XX/XXXX on credit report and XX/XX/XXXX on two others. Well I want this item to be removed from my credit report and I want the company to send me a letter stating that the collection item has been removed. I have never had a XXXX XXXX account and I know it is n't mine because I was serving ten years in XXXX Prison when this collection was put on my credit report. So this is ID Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
i wrote a letter to equifax and sent it via certified mail tracking XXXX on XX/XX/2022 it was received detailing several accounts listed wrongly most importantly my child support was listed as delinquent and it has never been i provided my case no and proof of pay stubs that the court ordered payments taken directly from my salary and paid out to the mother of my son weekly. I have shared custody and gave them all details so they can report it correctly still nothing was fixed and noone has responded. this is causing my rate for a mortgage i applied for to be higher than necessary. The discrepancy is financially hurtful and offensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to resolve this since finding out in XX/XX/XXXX that my mortgage was being sold by XXXX to another company XXXX. At the time I was on a forbearance plan due to company furloughs because of XXXX. I was planning to resume payments in XXXX which I wasn't able to do because of the transfer. I filed a complaint on this website on XX/XX/XXXX because XXXX  failed to reply to my numerous requests for information. They did however send you a letter so the case was closed even though my questions and concerns were never really addressed. Despite my leaving numerous messages since then I still have not been contacted by the person they say is over my account. They did finally apply the funds by XXXX  to my account and sent me the modification documents stating it was done and I was to begin paying on XX/XX/XXXX. I am still however waiting to see if the XXXX funds will be approved and applied to the remaining past due, as of the last conversation with them XXXX had still not replied to their requests either. Now on XX/XX/XXXX I received another letter from XXXX saying they have sold my mortgage to a new company called XXXX XXXX and I am to begin paying them effective XX/XX/XXXX. I have been in this house since XXXX and until XXXX and XXXX never missed a payment. I do not want to lose it but this mess has gone on long enough. Will you please tell me who to contact if you can't help this time as I am beyond fed up!

Company response to consumer: Closed with explanation