BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I had to move from XXXX XXXX XXXX in XXXX XXXX  because the apartment community decided to dig up the parking lot to begin building another apartment building slated for opening in XX/XX/XXXX. Because of this inconvenience I had to move out because I am a single woman and can not risk my safety by parking in a lot 5 or more blocks from the apartment community. Instead of them allowing the move with no fees owed due to this huge inconvenience, there has been a debt owed of {$3700.00}. I disputed this debt in XX/XX/XXXX with the XXXX because it is unfair and unreasonable my rent was $ XXXX monthly. I am unable to move to an affordable location because of this. So how can they expect me to pay them? As a result of my request In XX/XX/XXXX, this company removed the collections off of XXXX and XXXX  credit reports but not XXXX. I then made another complaint. XXXX  of XXXX, XXXX  has all correspondence. I am filing this complaint again on XX/XX/XXXX because this company added the collections back on my credit. So illegal and unfortunate because I am trying to move.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On about XX/XX/2019 I opened two custodial accounts for my daughters ( minors ) with two checks from their great aunt dated XX/XX/2019. The checks were drawn on XXXX XXXX for {$15000.00} each which intentionally is the annual exclusion amount for 2019 as this was part of her estate planning. 
While both checks cleared from XXXX XXXX, Chase Bank decided that one of them was fraudulent, closed the account without notifying me, and I've been fighting with them for four months to get my daughter 's money back from them. It is currently held by them and was not returned to XXXX. 
Originally they asked that the donor call them but she was in failing health in a nursing home so we sent them the authorization from her Power of Attorney which they said would work. The donor XXXX in XXXX and now they want the executor to drive several hours from his home in XXXX to a chase bank in Ohio to prove he is executor and indicate the check is not fraudulent. I believe any reasonable person would find this unacceptable. 
Facts around the issue and expectation : The check cleared the XXXX XXXX account in XXXX of 2019 as did several others for the same amount and this is the only one with a problem. Chase had two accounts opened and funded by the same XXXX account, signed by the same holder, on the same day and neither one was returned by XXXX. Both checks were for the unified annual exclusion amount of {$15000.00}. At some point common sense should indicate their flagging this check as fraudulent was in error and they should give my daughter back her money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ).

Transunion and XXXX has failed to validate debts ... the accounts were indeed settled with original creditors ...

Transunion Accounts XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX XXXX XXXX Credit Protection OpenedXX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX   Accounts Credit Protection Opened XX/XX/XXXX {$250.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX 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 2021-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 paid off my car loan on XX/XX/XXXX of 2021. Another customer erroneously paid on my account. This lead to XXXX XXXX reopening my closed account. I was not made aware of this until I received a letter dated XX/XX/2021. I was assessed late fees for payments not being made since XXXX and a major delinquency was reported to all three credit bureaus dropping my score 60-80 points. I have contactedXXXX XXXX on XX/XX/2021 over the phone who took 40 minutes to make sense of the account. I expressed my concern over my credit score that I have been working diligently to improve over the past two years. XXXX XXXX expressed that it is not their problem to contact the credit bureaus to make corrections. I have contacted all the credit bureaus to explain my situation and provided them documentation.

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 2018-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution.XXXX, XXXX   and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Receivable Solutions Specialist, Inc.
State: CA
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:
This company has reported the same medical collection against me 8 times!!! I have written and requested that this information be removed from all credit reports because it is incorrect, and also asking for proof if they believe that they are correct. I still have had no results, and need those accounts removed from all reports permanently.

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 2021-07-13
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Commonwealth Financial Systems has 3 negative remarks on my report of {$280.00}, {$56.00}, and {$870.00}. The total debt they are claiming that I owe them is {$1200.00}. On XX/XX/XXXX. 2021 I mailed Commonwealth Financial Systems a registered letter via certified mail ( see certified mail receipt.jpg )., requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see request of validation.pdf ). Commonwealth Financial Systems has failed to provide any validation bearing my signature that I owe them is debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I mailed via USPS my XX/XX/XXXXmortgage payment to Amerihome. This was mailed XXXX day priority mail with tracking on XX/XX/2021. My tracking is showing the mail was delivered and received on XX/XX/2021. I went online to Amerihome 's online website to see if my XX/XX/XXXX mortgage had posted. It had not. 
I called Amerihome 's office and they stated they could not find my payment and for me to submit receipts from USPS and any copies of the check mailed and they would investigate. I asked Amerihome how long will this take and they stated 30 days.

My initial complaint regarding Amerihome was for my XXXX and XXXX payment which was paid online and ontime. They reversed those payments stating I must have missed a number while entering my checking account online. Even though I called and provided them the number to submit the payment multiple times. I have already submitted that claim to CFPB. 

Now the new issue is my XXXX payment. I mailed 2 weeks in advance and priority delivery and Amerihome can not find the payment ever made it to their office even though USPS stated it was delivered. The payment has not been cashed. 

If I can not make a payment online without issues, if I can not mail a payment to Amerihome without issues, how am I supposed to pay my mortgage. There is a serious problem with Amerihome and CFPB needs to investigate. 

I need to know where my mortgage payment is and why it hasn't posted to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 at XXXX someone hacked into my cashapp account somehow and {$530.00} was transfered out of my account. Since then I have tried on numerous occasions to contact cashapp support to fix this matter, and still to this day no one has bothered to help me or refund my money. Its as if this isn't a problem and I'm just supposed to give my money away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone has filed unemployment as me. I have received a notice from the state about the account I never filed for. Now I have received a reliacard through US Bank for unemployment funds to be deposited to and used as a debit card. I did not file for unemployment nor being issued a debit card. When I call US Bank to let them know about the fraudulent account being opened and the debit card issued based on this, the account number sent on the card no longer works either. I want everything closed having to do with the account being used in my name to issue these reliacard debit 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have recently refinance my mortgage with Bank of America to a loan with XXXX XXXX. What i learned in this process is two things that i believe the banks are taking advantage of the public. These might be limited to BofA as i have only refinanced a loan with bank of America. The below is my findings : 1. I closed my refinance on for example, XX/XX/XXXX and on XX/XX/XXXX agents of both BofA and XXXX met to exchange funds. While during the day my BofA loan was repaid, i still paid a full day of interest to BofA and a full day Interest for my new loan at XXXX. I did not contact anyone regarding this but it does seem unfair that the consumer needs to pay interest to two banks on that date. Maybe i understand this because both banks need to have the funds available during the day but still was unsure if this is fair. Perhaps one of the banks should reimburse the other for the half day of funds use and this burden should not fall on the consumer. While it is only around 40 dollars in my case, across all refinances, this is a large amount of incremental interest earned by the banks. 
2. BofA 's agent received the cash via cashiers check and instead of wiring or depositing the cash overnighted it from XXXX XXXX to their XXXX office for deposit. Thus resulted in me paying an additional day of interest ( an additional day in which i have paid interest to two banks ). What BofA should do is stop charging interest the date that the cash is received by the bank of the banks agents. I contacted the BofA agent and BofA and while they did refund me, i believe this warrants further investigation since if BofA does this for all loans and borrowers are not as observant as me of the period of interest being paid, BofA is collecting additional interest then they should. Perhaps this is just an isolated incident but i am not sure it is. I am a sample size of one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: GA
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:
THE WELLS FARGO WAS PAID OFF YEARS AGO IN A BANKRUPTCY. THEY HAVE ON MY XXXX AND XXXX REPORTS CLOSED, XXXX BALANCE, AND CHARGE OFF IN REMARKS, THIS IS NOT A CHAREOFF AND THEY REFUSE TO REMOVE THAT REMARK. IT SHOULD BE PAID WITH XXXX BALANCE.

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 2018-11-24
Company: EQUIFAX, INC.
State: GA
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:
I requested these inquiries be removed because I never gave consent to review my credit report. 



XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks XXXX XXXX   Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX   Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX   XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX / Inquiry : XX/XX/XXXX Oil Companies XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry : XX/XX/XXXX Jewelers ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX Complete Dept. Stores ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXXAuto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX   XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
Contact the inquirer : MAIL ONLY XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX  XXXX/XXXX Inquiry : XX/XX/XXXX Miscellaneous Contact the inquirer : MAIL ONLY XXXX-XXXX Inquiry : XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry : XX/XX/XXXX Mail Order Firms ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX/XXXX  Inquiry : XX/XX/XXXX Variety Stores Contact the inquirer : MAIL ONLY XXXX/XXXX Inquiry : XX/XX/XXXX Complete Dept. Stores Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I sent a Cease and Desist Letter to PHHXXXX XXXX XXXXon time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The XXXX XXXX  XXXX  in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with XXXX XXXX sold to Ocwen loan Services around XXXX or so.XX/XX/XXXX Sold to PHH Mortgage a of Ocwen -PHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} .Also sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, XXXX XXXX EST, XX/XX/XXXX Paypal decided to permanently limit my account and intern withhold the money in said account, a sum of {$11000.00} USD for 180 days ( {$10000.00} of which would have been available for withdrawal under regular circumstances and {$900.00} of which would have been withheld until XX/XX/XXXX, latest, given the aforementioned limitation was not in place ) Contact was made with PayPal via their customer service telephone contact number XXXX XXXX XXXX XXXX XXXX approximately 38 minutes ( XXXX XXXX EST ) after an email re. the limitation was received, in an attempt to resolve the situation. The customer representative who identified themselve as XXXX   notified me that : ( After 127 digital goods transactions, 3 of which resulted in chargebacks issued by the buyer through their financial institution ) Paypal has decided that my social media XXXX business is too risky ( though Ive cooperated in all events by issuing refunds within 72 hours, in most cases within 24 hours ) The representative was unable to provide any sort of resolution and transferred me to the supervisor present for that day whom was also unable to provide any sort of resolution and notified me that there was no one above her who would be able to do so.

Paypal has since decided to continue to withhold my money in its entirety for the aforementioned period and has refused to allow me to withdraw any of it within a reasonable time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: American Collections Enterprise, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow up complaint to CFPB complaint ID XXXX and XXXX. AMCOLLENT continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I have asked politely for this to be corrected immediately on multiple occasions but they have been rude on occasion and unresponsive on others.

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 2021-07-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equfax is allowing a company to incorrectly report data on y credit report. I have submitted a letter to them from the collection company dated XX/XX/2021 that say I only owe {$350.00}. Yet despite having a copy of this letter they are still allowing the company to report that as of XX/XX/XXXX I owe a balance of {$440.00}. and have made no payments. I filed a dispute and the information was not corrected. I faxed and mailed a copy of the letter to Equfax. I also attached a copy of the letter to my dispute form. Despite all of this they are still allowing the company to report incorrect information. See attachments.

Company response to consumer: Closed with explanation