BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I want to complain about systematic false dispute '' " investigations '' by Chase Visa,  which deny and obscure facts to consistently find in favor of the merchant in disputes. Yet another example of this deliberate bias is described below. 
What happened : 1. On XX/XX/XXXX, I bought two tickets on British Airways  using my credit card at a cost of {$3100.00} 2. On XX/XX/XXXX, I changed one of the flights to an earlier one at a change fee cost of {$210.00} 3. On XX/XX/XXXX, BA canceled the new flight and put me back on the old one 4. Thus, the payment of {$210.00} was for a service that never happened 5. I am NOT disputing the cost of the tickets, I AM disputing the cost of a change fee for a change that never happened because BA canceled their own flight When I disputed this charge with Chase Visa, the card company misunderstood the case claiming that I HAD CANCELED THE FLIGHT, not BA. I corrected this in a written communication to Chase Visa ( attached ). I attached evidence of this - an email to me from British Airways ( also attached ). 

On XX/XX/XXXX, Chase Visa wrote to me ( letter attached ) with the result of its investigation, which reached an absurd conclusion : " We found the merchant provided the cancelation policy when you made the purchase and they dont have a record of cancelation meeting the policy guidelines. Of course, the merchants cancelation policy applies ONLY WHEN I CANCEL THE RESERVATION, it does NOT cover WHEN BA CANCELS THE RESERVATION!!!! Even a cursory glance at the merchants policy reveals this how can a complete investigation miss this? Of course BA would have no record of the cancelation meeting the policy guidelines THE GUIDELINES DO NOT COVER THE SITUATION WHEN BA CANCELS ITS OWN FLIGHT!!!! 

Chase Visa refused to return my {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Receivables Performance Management, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I spoke to someone at receivables performance management. I asked for proof of debt and have not received it. I also forwarded emails from XXXX ( the account in collections ) stating the amount owed was taken care of. This company continues to call from various numbers and send collection bills for an account that was already paid directly with 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 2022-08-09
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I advised this Co that I had filed Bankruptcy gave them attorney info phone website etc MANY times. They continually call me daily. I spoke with my lawyer who told me to not answer but then they call me at work for which I get in trouble for. I told them to not call me at work they are relentless, and I get calling but it's what they say to me and how they handle themselves that gets me, I have been threatened and cussed several times. They are now having managers from other locations call me daily. They say when I tell them to call my lawyer oh you pay a lawyer but not us? Usually the cussing starts then. This is unprofessional they have a bad reputation in XXXX for this type conduct. I am sorry I can't pay this bill I really am but due to reasons beyond my control I had to file bankruptcy. I told them this will have a case number by beginning of XXXX fact is by next week it will have we my attorney and I area completing the details this week. 
NOBODY should be threatened and told they will call and do whatever they want then they laugh... very unprofessional, XXXX told me today he filed suit yesterday if so why is he still threatening me can he file suit which is fine if he does at this point but can he harass and threaten cuss and scream at me and file suit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC a 3rd party collection requesting payment not owed. ERC stating the oringinal company is XXXX XXXX. I have asked for signature with contract with ERC. This debt is not owed by me. I am requesting for all harassment to stop and if this is reported on credit bureaus needs to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions 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:
Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on Experian.

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 2021-07-20
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loancare put us in a forbearance and promised us we would be able to do a modification when the period ended but know the story has changed and whats a full payment.. they are saying no to a modification while for months promised we could????? Please Help this company is very bad Im sure Im not the only one if you can do anything my family and I would be greatly appreciate.. we are all ready to resume payments we are both back to work now that virus is better now.. this is not what we were told all along.. its a shame

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 2020-06-27
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2020-05-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. 

I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke to Chase and they changed the 30 year mortgage to a 40 year mortgage. This reduces the payments. I have been making the payments on the first of every month as requested. Yet, the people from the original mortgage are not aware that I have this modification. They continue to call and send letters telling me that I have not paid the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid our mortgage ON TIME for the month of XXXX, however XXXX has us listed as 30 days late on the credit 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
Consumer complaint received 2023-07-31
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased a condo in XXXX XXXX, fl. Closed on XX/XX/XXXX. We received a letter a month after closing saying we needed flood insurance from the mortgage company. We are on the 3rd. Floor, the condo association provides flood insurance. We provided the mortgage company with the documents from the condo association. They are still stating we need flood insurance. No one else in the condo has flood insurance. The mortgage company proceeded to put us in collections and opened an insurance policy for {$3600.00} for flood insurance and opened an escrow account. We have contacted the mortgage company several times and they are still saying we need this insurance. Our broker said they should have never let us close if this was an issue. ThankYou.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: VA
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:
It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian currently reports accounts under the name XXXX XXXX  XXXX XXXX. Original creditor XXXX XXXX XXXX XXXX XXXX 

This account will reach it's statue of limitations of 5 years in XX/XX/XXXX in my residence states of Florida. Reason being, account was open XX/XX/XXXX. Under federal law this account must be deleted under FCRA rules. 
Please see explanation in attachment ; If account continues to report as accurate after XX/XX/XXXX Experian shall be held violation of federal law.

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
bank of america applied my payment to the lower interest rate portion of my balance so that my minimum payment went from {$700.00} to {$850.00} in one month Their explanation was the type you get from your local XXXX XXXXXXXX. They said thats the way they are supposed to do it? There is no indication of how they do it there is no ability to pay off the higher interest rate first with a monthly payment. They said the only option was to pay the whole amount. PS this is my second complaint for the same account. 2 years ago I asked them to set up auto pay they failed 3 times with the wrong due date, the wrong routing number and the wrong amount ( a fixed number which didnt cover the minimum ) resulting in more than a half a dozen fines and penalties. When questioned by the CFPB the head person at bank of america actually lied and said I did it which was simply a lie. PS to this day I still dont have autopay set up, probably good I would not have realized this new rip off. PS now i have to look back my monthly payment was a lot lower if I recall perhaps they are ripping me off every month. But I have a business to run

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 2021-02-11
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX, XXXX I sold XXXX  XXXX XXXX  for {$9900.00} to private party. The money was transferred into Pay Pal Account from buyer 's bank by a debt card. 2-transactions. Pymt1of 2 for - {$9000.00} on XX/XX/XXXX ; Pymt 2-2 was for {$990.00} on XX/XX/XXXX. After funds were received in my Pay Pal account on XX/XX/XXXX for {$9900.00} ; I let the buyer set up his own selection of shipping company. He chose to use XXXX XXXX XXXX they came to my residence in Oregon on XX/XX/XXXX, and picked up the printer which was crated and ready for shipping to the buyer residence in Michigan. He scheduled it to be received at the trucking depot in Michigan. On XX/XX/XXXX ; the buyer received the printer and signed for the delivery. Attached to this complaint is the proof of delivery with buyer signature, bill of sale, my original invoice for when I bought the printer.

Plus, my messages with many Pay pal customer assistance regards the hold on my funds. As you can see my funds were suppose to already been complete in two of the messages. Another one is the funds will be released 24hrs after delivery. Then another one we will manually release the funds after delivery since it should be done. Next is the money in a jump reserve, another it will take 180 days then we will review it. Another 21 days and available by XXXX XXXX, another XXXX days after buyer receives printer. If you send us a copy of your Driver License, Copy of original invoice, and proof of delivery we will review and then release the pending. I sent this information and they took off the pending, but put a hold on the funds instead. I feel all I have got is a massive run around on this issue. One rep stated, I have been a loyal customer with alot of transactions since XXXX  '. I do have alot of business with pay pal personal and my merchant business. So I don't understand the hold for so long. The buyer loves the printer and he has even updated parts on the printer, changed some of the upgraded area and very happy with the printer. He bought it in as in condition with no warrranty as the bill states. But also the printer is a great deal and he loves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?

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 2020-12-15
Company: EQUIFAX, INC.
State: NV
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:
This will be the fourth dispute I am a filing with equifax to demand them to correct the status they are reporting on my credit profile. They keep reporting the status of a paid and close student loan as open and paid as agreed. 
I have disputed this inaccurate information with them several times, I even provided them proof of the accounts being paid off in full and they still dont fixed it! It is jeopardizing me badly everytime I want to apply for credit I keep getting denied due to the information is being reported in my credit profile I am devastated. 
I paid off in full the student loans I had with XXXX back on XX/XX/2020. I sent them the paid off statement the lender provided me to proof they were paid of in full. I was told that it would take 30 days for the credit profile to be updated it and for all of the accounts to show the status of paid in full, account closed. By XX/XX/XXXX my credit report was updated and they still did not fixed! I dispute it again in XXXX they told me it would be fixed in 30 days and still has not been fixed and update it ; although I sent them prove of paid off balance every single time. I even contacted the lender and they told me that they requested equifax to update the status. Today XX/XX/2020 still has not been fixed and I found my self filing a dispute for the forth time demanding them to fix it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My home was robbed in XXXX when my Mortgage company was XXXX XXXX. I replaced all of the items in my home per my agreement with XXXX. An insurance check was sent to XXXX reimbursing me for all funds spent which was over {$11000.00} dollars. XXXX was evacuated due to the California wildfires so my check was never processed. XXXX sold my mortgage to XXXX XXXX without my knowledge. XXXX XXXX  received the insurance funds. Midland was to apply the insurance funds to the arrears since the inspection is complete and all paperwork has been provided. However, I am being threatened with foreclosure still and they have not applied the funds. I am being referred to foreclosure today XX/XX/2018 even though HUD has told them not to put me into foreclosure. The funds have still not been applied and they have still continued to charge me late fees.

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX XXXX continues to fradulently place my account in " dispute '' status, after I have requested for months for them to remove this dispute language. For the 30th time, I am not disputing anything in regards to that account. I received an e-mail from XXXX XXXX, whereby, she stated : " Per your request on XX/XX/2018, we requested that the credit reporting agencies update their records and DELETE the dispute status from your credit report. '' This letter was dated ( and will be attached ), on XX/XX/2018. So, I ask, why is the language showing that it's still in dispute when XXXX indicated it would be removed? Also, why was the original case closed, when my credit report was showing this account still in dispute?

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