BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: AMA Advisors, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been paying my mortgage on time until 2 months ago. I called Homebridge financial and asked what I could do. I even offered to pay partial payments or just my mortgage amount minus the PMI and was told it was all or nothing. Which I could not do. I was told I did not quality for a modification. Now I lost my job due to Covid19 and am waiting to be tested for the virus. I called again to ask what I could do and was told there was nothing they could do and they would send me a packet to fill out which I should receive in 12 days. All my calls were recorded as per the company. I was told that there would be possible assistance during this time. This is not my original mortgage company as I refinanced and wished I never did. Every time I call I am treated horrible. I am not a bad person just having some financial problems. I would like them to work with me not treat me terrible. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I have signed up for Wyndham Credit Card through Barclays Bank, they advertised a promotion of 15,000 points after the first purchase. I made a purchase within first month and they have not come through their promise. I contacted the bank several times because the bonus points did not show up, without success.

Af first they said I had to wait up to 12 weeks, when the 12 weeks passed they changed the story saying I needed to spend XXXX dollars minimum which was not in their marketing material. 

The account was open XX/XX/2019, for a Wyndham Visa Rewards card, no annual fee version. as stated in their terms : " Cardholders will earn 15,000 Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I have made a purchase within the first month meeting the requirements as stated by their terms. The time for bonus points to post to the account are 8-12 weeks which passed without fulfilling the bonus.

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 2023-04-22
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: Information belongs to someone else

Complaint:
I do not give your company permission to share, sell, release or report information derived from my consumer profile and that was derived from your data files within your systems. Reporting to affiliates or any third-party affiliates ( XXXX, Equifax, XXXX ) violates my privacy. The information you have furnished is inaccurate and incomplete. I am a consumer who has been the victim of fraud. I have a fraud alert on my credit profile that was ignored by your company to issue credit. CRAs have a responsibility to protect the privacy of the personal financial information of their customers and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: MD
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 am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage Servicing is the lender for my investment property mortgage. My account has an escrow account. The lender had failed to pay my r.e. taxes due XX/XX/2020, so I am incurring penalties. 
I had received the letter from them stating that my r.e. payment had been made on XX/XX/2020, but checking the website today XX/XX/2020 it says that my r.e. taxes had not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax used my information incorrectly causing a data breach and now there are discrepancies on my credit report : Names, addresses, collections and unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts listed on my Experian, XXXX  and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX  Card Services, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX  Card from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Experian Information Solutions Inc.
State: MO
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:
Somehow I'm reporting as an authorized user on accounts unknown to me nor do I know who added me. Please remove me from these accounts immediately. I'm asking that these accounts to be blocked from my credit files. 

1 ) XXXX XXXX {$14000.00} 2 ) XXXX XXXX {$4500.00} 3 ) XXXX XXXX {$4600.00} 4 )  XXXX XXXX XXXX Also I'm disputing this account as well XXXX XXXX XXXX, please remove

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 2020-04-01
Company: Square Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2008 I tried to pay for money transfer service with my card at XXXX in the amount of {$2700.00}. The card declined 3 times. XXXX Said the transaction did not go through. I emailed my bank CashApp and asked for funds to be released back into my account and was advised it would take 10 days. After 10 Days the money was still not released back into my account. I have been in contact with Cash App for over 2 months regarding this issue. They have not put my money back in my card. I went back to XXXX and they advised me to go to the bank for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: MN
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:
The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX XXXX XXXX, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I report a company called XXXX as fraud and Chase is not willing to do anything for me and keeps saying that it is out of their jurisdiction when clearly it is. I was scammed and ask for them to get back the money that was taken from us by XXXX and they just brush it off and say handle it elsewhere. I did not know chase would be of such low caliber which would eventually lead me to the CFPB for assistance regarding this case the total amount that was debited and taken was {$9500.00} by XXXX initially starting from XX/XX/2023 I look forward to reaching a solution with you guys because chase is of no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX On XX/XX/XXXX : Spoke with the Fraudulent Department for " Shop Your Way Mastercard '' by Citi Bank and XXXX told me not to make a payment until they had completed their investigation. 
However, I did make a payment on XX/XX/XXXXXXXX  because I received a letter stating that I was still responsible for the payment for statement. 
I am disputing the charges between XX/XX/XXXX to XX/XX/XXXX. My XX/XX/XXXX statement was $ {$940.00} XX/XX/XXXX was {$990.00} and my XX/XX/XXXX was {$7700.00}. 
I have written several letters to " Shop Your Way Mastercard '' Security Fraudulent Department in XXXX XXXX, SD XXXX Case # XXXX I also filed a report with XXXX Police Department, XXXX, Texas : Case # XXXX In addition, I did file a report with the FBI-I never heard from them. 
Lastly, I was contacted by XXXX, XXXX XXXX XXXX, a collection agency for Citi, N.A. Account # XXXX XXXX  Reference # XXXX I have also written to them, XXXX. They said I am still responsible.

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 2020-06-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Target closed my account for having two NSF payments on my account.My authorized user made these two payments from my account and said that he had sufficient funds in his account.

We are both unemployed due to COVID-19 and made the payment under the assumption that the unemployment check would be in the account on Monday but it was not there until Wednesday.

The transaction was remedied within two days and the account was paid in full.

Target closed the account after it was paid in full citing insufficient fees as the rationale behind the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: DE
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:
For more than a year I have been administratively demanding EXPERIAN remove all XXXX XXXX XXXX CREDIT CARDS and XXXX XXXX CREDIT CARD XXXX from the consumer file. All of these alleged accounts are a result of identity theft and EXPERIAN is committing identity theft for reporting them without my permission. They have been causing me grave harm and has injured me tremendously. I applied for a mortgage today and was denied due to there unfair and inaccurate reporting and refusing to update my report to a positive status. They have refused to send me documentary evidence that these accounts belong to the principal XXXX XXXX. They have not conducted a fair and equitable investigation and spoken to any natural person concerning these accounts. They continue to send computer generated mail stating the accounts have been verified by the creditor which is impossible. If I call in they only allow me to speak with virtual assistants from other countries or a computer. I have lost all faith in the consumer bureau and the credit reporting agency as well as the banking system. My health has suffered and I continue to be harmed every day these fraudulent accounts remain on my file and suppress my scores intentionally. 
I give EXPERIAN XXXX BUSINESS DAYS TO CORRECT THIS ERROR before further legal action is taken. This is XXXX of numerous complaints I have filed with the CFPB without any fair or equitable resolution. I sent a letter to Experian via certified mail return receipt with no response since XX/XX/2023. Certified mail # XXXX. Instead of correcting the error the blocked my credit file from my view and the mortgage company only showing online the XXXX credit report for my view which I had to pay and become a member to view. These companies are out of control and ruining consumers lives.

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 2020-03-31
Company: Penn Credit Corporation
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a medical bill that is unresolved through the XXXX Fire Department. I am in the process of applying for financial aid for that debt but nonetheless the Fire Department sold the debt to a third party collection agency called " Penn Credit '' while the resolution regarding the financial aid is pending. I have been in contact with Penn Credit and they offered me a payoff amount of {$640.00} on a bill that was  approximately {$990.00}. I told them that I was first going to apply for financial aid on the bill because I was never given the opportunity to do so when I was injured. I informed them on the phone that I would call them when a resolution was reached with the fire department. I am still awaiting the results of the financial aid application. ( Likely due to the COVID-19 pandemic ). I am also in the process of disputing the validity of the debt with the fire department because I was involved in a minor incident that involved me having to ride in an ambulance for less than one mile, without receiving any medical care whilst in the ambulance. I was in contact with Penn Credit when I received the first letter from them saying that I was disputing the validity and applying for financial aid with the fire department. ( I'm a full time graduate student I have no health insurance ). They have my phone number and my address but instead have chose to repeatedly call my mothers cell phone instead. It happened again today and I saved the proof that they have called her cell phone multiple times while I have spoken with them. They have violated the FDCPA by calling my mother several times ( while I have never ceased communications with them ). They have also ignored my requests to stop calling my mother.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Caliber Home Loans on several different dates as noted herein : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX There was an error in the calculation of my final loan balance with Caliber Home Loans. Although I called them several times, they did not relate to what I was stating as the balance on this loan. Caliber Home Loans actually owed me money as the mortgage loan was closed when I sold this property on XX/XX/XXXX. Caliber Home Loans charged me additional interest on this loan instead of pro-rating the balance due back to me for the month of XX/XX/XXXX. 

I made the XXXX mortgage payment to Caliber Home Loans on XX/XX/XXXX as evidenced in the attachments in the amount of {$1200.00}, check # XXXX. This was the total payment due for the month of XX/XX/XXXX which included principle, interest and property taxes. On the attached 'Payoff Quote '' from Caliber Home Loans, they continued to charge me interest on this loan even though I had paid the XXXX mortgage payment, and no interest was due on this loan until XX/XX/XXXX. I no longer owned this property as of XX/XX/XXXX. 

Caliber Home Loans erroneously charged me additional interest in closing this loan on XX/XX/XXXX, in the amount of {$310.00} even though I had paid the interest, principal and property tax for the property in full for the month of XXXX. Therefore, Caliber Home Loans owes me the additional interest they charged me on this loan in the close process XXXX sale of the property ). They also owe me a prorated amount of money for the remaining days in XX/XX/XXXX for which I no longer owned the property, but had paid the XX/XX/XXXX mortgage payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX {$2800.00} XXXX XXXXXXXX XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-03-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Good Afternoon! 

address PER REQUEST I received a check from my XXXX in XX/XX/20. 
payer 's name XXXX check XXXX amount XXXX I remotely deposited on XX/XX/20. called their account. here comes XX/XX/20 my bank chase took XXXX back said it was a returned check ( bad check ). I called so many times to the back and keep bouncing around from customer service to claims and claims to customer service/ b/c no one know how to check the image of the check or see what happened. customer service put me on hold for 3 hrs and then another 3 hrs to speaks to someone in claims and then line drops. I and my XXXX went into chase bank. spoke to a banker clarify that check was clear from my XXXX 'XXXX bank and nothing was credit to my clients bank nor my bank. no one knows where my funds are. I am a XXXX XXXX XXXX patient and chase bank is making me cry every day and going through XXXX and XXXX. I would like to file law suit against chase. please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2019 I called the ERC company to send documents through the fax machine. They told me they're a paperless company and they don't have a fax number. I than ask for an email she keeps on about if I have an account with them. Than I ask again how can I get something to them. She keep on wanting to know if I had an account with them. I said I really don't have to answer that. She than got her supervisor on the phone XXXX XXXX than I ask him for a fax number. He told me an email at XXXX so I emailed ERC. Just give others the right to get information to them. I have no idea who these company are. I not going to just give up {$1000.00} to everyone that come on my doorstep. Anyone could be praying on anyone these days. ANYONE can get information off the internet. Being overly cautious isn't a bad thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NE
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation