BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-25
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting a refund for {$170.00} from JPMCB for a dispute that was ruled in my favor the day after I paid this charge reluctantly by phone via XXXX XXXX that processed on XX/XX/XXXX. I was not able to stop payment on this transaction as it already posted to their accounts receivables the day this dispute ruled in my favor as I proved without doubt that this supposed debt was already taken care of prior to me closing all my JPMCB accounts including my debit card and all privileges to online services as a result. 
Since I had no online services I could not see what secure message they kept sending my via email and when I called the bank no one there seemed to be able to help as they passed me off to another department once they deemed they could not answer any of the questions posed to them. This is a trend with this bank along with the agent either transferring quickly so one could not detest the transfer or them just flat out hanging up on me. I tried on numerous occasions to prove my case but no one took any accountability into looking deeper into this case so they bounced me between customer service, Chase Freedom card ( ending in XXXX ), claims and their own dispute dept. 
Since I had no online privileges and the companies refusal to send concise copies of the debt they claimed to be my own and their reluctance to provide documentation on paper as tho these secure messages or the actual dispute that they claim I owed I was in fear of incurring a late charge -- so when I paid this amount of {$170.00} the representative said the actual charge was {$160.00} but the extra {$6.00} was still outstanding on the account but was also not true because I closed all accounts without owing anything with {$0.00} balances. 
This charge was tagged onto my Chase Freedom card ending in XXXX that I subsequently paid on XX/XX/XXXX using my XXXX checking account ending in XXXX and posted as paid to Chase on XX/XX/XXXX the day I won this dispute after providing more documentation to prove my prior payment to the XXXX Disputes Team. This charge has also been removed from my XXXX account and balance {$0.00} now reflects to when this account closed XX/XX/XXXX. 
Please reach out to JPMBC to get a refund on this payment for which I didn't owe as I have repeatedly tried to work with this bank but they never wanted to work with me. 

JPMCB CARD Account XXXX XXXX Disputes Report Number : XXXX Date Generated : XX/XX/XXXX Thank You kindly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a mortgage with XXXX for my home in XXXX, CA XXXX for over 15 years. 
XXXX sold my loan to Mr. Cooper in XXXX of 2017. We sent in proof of homeowner insurance. Mr. Cooper could not for some reason receive the insurance information. We sent it to Mr. Cooper several times. They acknowledge the receipt on the phone but have not corrected the escrow payments online. They continue to charge me escrow fees and now late fees for the unpaid escrow payments. 
The company has not sent any notices and my only contact has been from Mr. Cooper representatives when I call in. 
My credit score has been affected going from XXXX to XXXX! 
I am at a loss as to how to correct this disastrous situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Orions Management Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Orions Management a collection company contacted me about a debt for Credit Shop which I advised them that I had just received a notice from another collection agency, XXXX, that also stated I owed on the debt. I asked them if they were affiliated which they stated they were not. I advised Orions Management that I had filed an identify theft report about this debt which I provided them and requested the debt be validated and that they provide me with proof of the legal right to collect on the debt. They sent me some copied documents and a spreadsheet which I advised that the information was fraudulent and that more is need to validate that the debt was mine. In addition, I advised that the identify theft affidavit was submitted in reference to this debt with the prior collection agency that contacted me during this same time and I also submitted an identity theft affidavit to Orions Management which they stated they wanted a police report. Since that time I have tried to obtain a police report but was advised that I needed to file a report on Identifytheft.gov, which I did. The representative with Orions Management advised me that they would send documentation that they owned and have legal rights to collect the debt but has failed to do so and advised me to call another collection agency to " ask '' them who the debt was sold to. I advised the representative at Orions Management that documentation must be provided not just a phone call that I have to make to a company that purportedly owned the debt before selling the debt. Since that time Orions Management has failed to validate the debt and provide proof of ownership of the debt and place the collection on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: PNC Bank N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have had my account charged an overdraft fee multiple times for the same instance on multiple occasions. On XX/XX/XXXX I spoke with a PNC representative about the multiple charges and was assured that the multiple instances were for charges that were already pending and would not occur more duplicate charges, I then received 3 duplicate overdraft charges the next day totaling {$100.00}. 

I was also given 2 overdraft charges for the same {$16.00} charge on XX/XX/XXXX. I again spoke with a PNC representative, was escalated and called by by a supervisor, and was told that the first charge was for a {$94.00} charge the previous day, however even their own account software shows that I had a positive balance that day. The PNC representative then tried to explain to me that I could avoid the charge by improving my spending/saving, and while I agree that it would have prevented the issue, that is unrelated to the erroneous charges and the PNC supervisor would not address them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX To Whom it may concern, This letter is a follow up to my original letter dated XXXX XX/XX/XXXX ) regarding an inaccuracy in " Equifax Credit information services, inc '' credit reporting. specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 1. XXXX CARD SERVICE Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX 4. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX- XXXX XXXX Date : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX CARD SERVICE Date : XX/XX/XXXX 14. XX/XX/XXXX Date : XX/XX/XXXX 15. XX/XX/XXXX XXXX Date : XX/XX/XXXX I did not authorize anyone employed by these companies to make an inquiry and view my credit report. This is a violation of the fair credit report act section 1681b ( c ) and a serious breach of my privacy rights. 



Equifax is still at Failure to respond satisfactorily within 30 days of receipt of the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To Whom It May Concern, The purpose of this letter is to give explanation of a credit reporting error in regards to our loan with Mr. Cooper for XXXX XXXX XXXX, XXXX, CA XXXX. 
First and foremost, we have never paid a late mortgage for any of the 20+ properties we own and manage. I have included the past 18 months of payment history ( attached ), printed directly from our banks website, for XXXX XXXX XXXX/Mr. Cooper. Payments were always made before the XXXX th of each month, or else they would be considered late by Mr. Cooper. 
Our credit has been negatively affected and our refinance put in limbo due to an incorrect assessment by Mr .

Cooper. We have been given two 30-Day Late charges for this loan with Mr. Cooper as a result of this error. 
Despite having our own insurance policy for XXXX XXXX XXXX ( see attached letter from our insurance broker and declaration page ), Mr. Cooper decided to place hazard insurance without notice or authorization. 
The lender placed insurance created a shortage in our impound account, leading to an increased impound amount, again without our knowledge or notification. Please see attached escrow statements. Furthermore, the contact phone number associated with this mortgage account was not our, further displaying Mr. Coopers disorganization and unprofessionalism. 
Our payment history shows our payments made in full and in a timely fashion. The discrepancy has come about because of the impound adjustment and an underpayment made because of this adjustment. Mr. Cooper has done a poor job managing this loan ( loan was refinanced XX/XX/2020 with XXXX XXXX ). There have been refunds for escrow overpayments, assessment for escrow shortages, and virtually no communication at all in regards to this mortgage ( insurance info, notices, etc. ) It is bewildering that we received two 30-Day late credit hits on two {$200.00} impound increases because of Mr .

Coopers disorganization. We are already in the process of disputing these negative credit reports with all three credit agencies and with Mr. Cooper. 
These oversights by Mr. Cooper show that they poorly managed our mortgage account and we believe that we should not be penalized for this. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off my loan early. I sent the lender a check for the outstanding balance and added extra funds to cover any pro-rated interest. The lender has put my payment in suspense and will not credit the payment made until I send additional funds to cover recording fees. The recording fee amount exceeds the actual recording fee charged by my county by {$100.00}. I have asked the lender to tell me who the 3rd party is that is being paid the {$100.00} as I am entitled to know according to section 23 of security instrument. I have been unable to get a response. The lender has now added late charges to my payment which is was not late. I have asked that the lender credit my payment and send me the original note and reconveyance so I may have them recorded. I have been told they are not allowed to do that. I asked to speak to a supervisor or someone who can answer my question intelligently and I am told they are not available by phone. This servicer is a very large loan servicer. I have to believe the additional {$100.00} they extort from their customers paying off mortgages is a very profitable but illegal cost center. 
I also did not request the demand statement that was issued so I do not expect to be charged for the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Hello, I signed up for a XXXX credit card a few months ago as part of the checkout process. At the time I was interested in a few furniture purchases and was enticed by their rewards program. 
During the same period, I moved a new address and notified USPS of the change. 
However, I havent received the credit card, any statements or correspondence from XXXX since the beginning. Given the lack of communication, I was unaware of any charges that I may have to pay. 
About a month ago, I was performing a routine credit check on XXXX XXXX and noticed that my credit score has dropped significantly. I noticed that I had some late payments for XXXX. To rectify the matter, I called XXXX customer service and was forwarded to their collection department. I explained the situation to the involved personnel and attempted to offer payment of the intial charge and initial fee. In exchange, I requested them to remove late fees and fix my credit score. However, they refused to engage in any resolution other then full payment including late fees and no engagement on credit score fix. 

Hence, this is my last resort to get this fixed. I have had excellent credit with always on time payments. I am hoping to get back to that. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am very frustrated with mr copper/nation star. This is the second situation where they have provided me with the incorrect monthly mortgage amount and as a result my escrow account has become short and I am stuck dealing with the consequences. I have called Mr.Cooper numerous to resolve this matter and they have yet to come up with a solution or take fault. As of result of their mistake my monthly mortgage payment has increased by 200+. This is an unexpected bill and I really think this very unfair that I have to deal with this. Please advise what can be done to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: IN
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:
XXXX And equifax have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. XXXX   and equifax HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXXXXX. The credit reporting agencies XXXX  and equifax both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. XXXX and Equifax have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: IA
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:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21
Company: Experian Information Solutions Inc.
State: PA
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: Was not notified of investigation status or results

Complaint:
i sent a letter to XXXX/XXXX XXXX XXXX dated XX/XX/2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying i have a account in collections. This is false i've sent them multiple letters no response.

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 2020-09-19
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Consumer Complaint Synchrony Care Credit offered a promotional 0 percent interest rate on my XXXX XXXX. I used Care Credit to purchase XXXX XXXX in XX/XX/XXXX. The promotion was that there was no interest for a year, however when they billed me in XX/XX/XXXX they referenced a tiny piece of print and the word deferred interest at a rate of 26.99 %. The charge was exorbitant. When my son and I called to sort this out and reach an agreement two representatives, XXXX and XXXX were not helpful. When I asked XXXX to speak to someone else he asked, 'who? '. I asked if there was someone else and he told me that another rep would tell me the same thing. I asked if there was someone over him or if he was the XXXX if synchrony. He transferred me to XXXX who finally noted that old age and memory were part of the issue, however he said that the interest was contractually allowed so there would be no negotiation and the interest would stand.

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 2020-11-04
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Went to instaloan on XX/XX/XXXX with my XXXX XXXX XXXX to obtain a XXXX $ loan, was approved and given a debit card for the funds, after paying back approximately XXXX $ towards the loan, I borrowed XXXX $ and they started my payments again at XXXX $ a month for a year, spoken with instaloan to see where my XXXX $ went, and they will not send me a print out of my history, they just want to repossess my truck, which by the way is not running, based on another complaint I have with you, Thanks for any help you can do.XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Experian Information Solutions Inc.
State: NC
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:
This complaint is a follow up to complaint XXXX filed XX/XX/2017.
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by Transunion and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.

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