BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: Paypal Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is to establish a written record of my communication with XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX according to their written notice or XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX, according to their online address. Their email address is : XXXX and their phone number is listed as ( XXXX ) XXXX online and on the written notice. 

This debt collection company contacted me via standard mail on behalf of PayPal to resolve a fraudlent transaction that has resulted in either a legit or fraudulent a debt collection I spoke with a XXXX XXXX XXXX XXXX specialist today after receiving a notification letter on behalf of PayPal regarding an outstanding payment in the amount of {$65.00}. 

Their representative informed me of the fraudlent account number XXXX and the associated email address XXXX. Neither this account nor the associated email belong to me. Furthermore, I have no payment activity with the aforementioned transaction amount. 

Their representative asked for my birth date and asked me to verify my childhood home address as part of their verification process. Also, their rep advised me to : -File a police report -Complete and notarize the fraud report paperwork that they said XXXX would send via email. 

At this writing, I am still waiting on the paperwork, which leads me to believe that this was a scam and attempt to retrieve personal information for future abuse. For your records, I have reported this fraudulent activity to PayPal and will file a police report. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Filing a new complaint because Chase closed my previous complaint without a response ( I made 6 phone calls to their Executive Offices which were not returned : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX of 2019 ). 
In XX/XX/XXXX2019, I received a tax document mailed to my home, addressed to my mothers name at my home address. My mother and I have a joint checking account together, but she has never lived at my address and she always gets statements mailed to her own address. I logged into my Chase.com account to see if Chase had somehow mixed up our addresses. I went to the joint account that she and I share, and I clicked Statements. When the PDF  statement opened, it contained my mothers name, her home address, and full details on ALL SIX of her Chase accounts NOT just the one that she and I share. 
I called Chase and reported both of these problems : ( 1 ) the mail sent to the wrong address ; and ( 2 ) the privacy violation on the website. The customer service agents did not seem to think either of these issues was concerning. They told us we could fix the data disclosure issue ourselves by having my mom de-link her accounts so that they did not all appear on the combined statement. So essentially Chase is telling us that they will disclose financial data ( via a combined PDF statement ) to someone who is NOT an account holder ( me ), unless we specifically take steps to opt out. They told me there is a disclosure given to someone who chooses a combined statement. The wording of the disclosure does not make it clear that data for ALL accounts will be shared with an individual who is a joint account holder on only ONE account. I filed a complaint, and called back several times to check the status, for a total of 3 hours and 19 minutes of my time, with no resolution from Chase, so I am now turning to the CFPB. 
This is careless disregard for personal financial data. I am extremely disappointed in Chase for failing to protect my mother 's private financial information and for failing to treat this matter with any urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: MO
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 filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SP XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I changed banks to Wells Fargo. The bank was closed XX/XX/21 due to a holiday. My payroll check was submitted through mobile banking. I spoke with a bank representative which advised the funds would be available today. I called as I later received an email which stated there was a hold placed on my payroll check. They will not return my check, stop the processing or release the hold. I had to cancel my online mortgage payments. Now I am looking at additional fees and late charges. I understand placing a hold but a payroll check can be verified and verification does not take that long. I have now spoken to 3 representatives which just reads the same script to 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 2023-06-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hello, I was a victim of a scam on XX/XX/XXXX by a fraudulent contractor company. I sent a deposit of {$240.00} via XXXX  and have not received services. I have contacted Chase bank and request that they conduct and investigation and provide a chargeback for this fraud. However, they have refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: ALLY FINANCIAL 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 status incorrect

Complaint:
My car was in a total loss XX/XX/2023. I starters insurance claims right away. XXXX made my insurance payment XX/XX/XXXX. The account showed current and no pmts due. The next day it showed past due. Several times I called and checked the site/company and was instructed I was in good standing. 

1. When asking for a supervisor I was told they had no way to get in touch with one in total loss dept. 
2. I confirmed with XXXX  XX/XX/XXXX that the payment had arrived. 
3. Ally told me to allow XXXX business days to post it? If they had it why was there a delay in posting? 
4. I asked for a deferment to help during this time. The rep told me they can not do anything during a claim. 

I am concerned my perfect pay history may have been inaccurately reported. I also believe that the payment was posted non advance the. Re posted normal. That left me past due.

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 2023-02-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Our escrow account was charged tax by mistake. 100 % XXXX we do not pay any tax. This raised our payment over {$1000.00} more a month. 

We told them and they readjusted however for XXXX  not XXXX. 

We told them we wanted an escrow analysis ( insurance went up a little and we can pay the overage on that so our payment could stay about {$2200.00} a month ). 

Instead theyre still charging us XXXX XXXX this month ( XXXX ) and then lowering to $ XXXX which is still {$100.00} more than before when we can make the payment on the insurance overage. We shouldnt be paying an extra {$1000.00} this month either.

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 2018-02-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Carrington MS has never provide me with a a copy of their policies and procedures as a transferred mortgage which originated with XXXX XXXX XXXX to Carrington MS in XX/XX/XXXX I have never been given in writing what their policy is on blocking mortgage payments so the homeowner can become current. 

In addition, I have never been notified in the mail or received a phone call from Carrington MS that they needed to speak to me or that there was a risk of foreclosure. I made two payments in XX/XX/XXXX and they were not rejected. I did not realize there was a problem until my payments were returned that I sent through XXXX XXXX on XX/XX/XXXX Carrington Mortgage never sent me a letter of explanation of refusal of payments and I did not find out until I received mail of XX/XX/XXXX Lastly, the amount of the late fees have fluctuated over the months have been increasing with unknown fees still being claimed to be from my previous mortgage servicer, XXXX XXXX XXXX being added which was suppose to have been resolved previously in a closed case in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have escort account with the company to pay my property tax. The company didnt pay my XXXX XXXX property tax. I called them early XX/XX/XXXX to fix the problem. After this call, I called them three more times in XX/XX/XXXX and try to prevent them missing my XXXX XXXX property tax. Again, they still dont pay my property tax and we already owed property tax for two quarter. Until today, they still cant resolve the problem and they continue collecting my money for escort. If we dont resolve the problem now, I am afraid town might do legal action to my property.

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 2022-10-23
Company: PNC Bank N.A.
State: NJ
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/XXXX I used the PNC bank owned and operated ATM at XXXX XXXX XXXX XXXX in XXXX PA and withdrew XXXX dollars. I do not live in the city and this is the last time I used this card. I do not use this card for any purchases and do not have it saved on my phone. On XX/XX/XXXX I was going to make a mobile deposit and noticed my account was lower than it shouldve been. I found a withdrawal of {$200.00} from the same arm location on XX/XX/XXXX. I was not in the city or the area on XX/XX/XXXX and the card was always on my person. I disputed this fraudulent withdrawal online on XX/XX/XXXX and called PNC on XX/XX/XXXX and notified the bank that I was likely a victim of a skimming attack. On XX/XX/XXXX a second withdrawal was made from my account for another {$200.00} at another PNC bank location ATM on XXXXXXXX XXXX XXXXXXXX On XX/XX/XXXX I was in XXXX Florida and my card was on my person. I have attempted to dispute this second fraudulent withdrawal multiple times starting on XX/XX/XXXX but the bank has not reinstated my funds. On XX/XX/XXXX I noticed a new second mobile phone number added to my account online, I called PNC and they could not tell me who or when someone added a mobile number to my account. I asked to close my account but the woman I talked to transferred me to a security specialist who told me to just change my online password. Clearly whoever skimmed my atm card is calling PNC pretending to be me and trying to circumvent security protocols to add their personal cellphone. Both fraudulent ATM withdrawals were at PNC bank ATMs and this in of itself is very suspicious pattern. Clearly whoever did this has an intimate knowledge of PNC bank ATMs and security protocols, and I can not be the only one who has been affected. The PNC rep I spoke with on XX/XX/XXXX told me I did not need to file a police report but I will do so now since I have not received my funds returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions Inc.
State: TX
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 have requested the verification of a negative item on my credit report. If I understand the Fair Credit Reporting Act correctly, you are required to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. But all they sent me is general response stating the account was severely delinquent which led to the account to be charge off. I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. 
If any of that information is inaccurate or can not be verified, then the entire item is unverifiable.

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 2021-07-01
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
MAS FINANCIAL PRESSURED ME INTO EXTRA MONTHLY FEES IN TOP OF AGREED LOAN AMOUNT CAUSING DIFFICULTIES IN PAYING. I WAS HARASSED VIA PHONE CALLS AND DOCUMENTATION WAS MADE VIA EMAIL TO COMPANY. VEHICLE WAS REPOSSESSED AND LOAN AMOUNT STILL OCCURS ON CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
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:
I am writing to dispute  XXXX   XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX Bankruptcy filed XX/XX/XXXX- property surrendered in bankruptcy. Lender and XXXX notified. 
Lender sold mortgage to : Nationstar Mortgage , LLC, XXXX, TX XXXX - on XX/XX/XXXX. 
Nationstar was notified by Certified Letter dated XXXX. The property had been surrendered XX/XX/XXXX bankruptcy. 
XXXX attorney has filed charges and obtained judgment based on incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
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 citizens one auto finance account # XXXX has violated my rights. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Chime Financial Inc
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received an unsolicited credit card from " Chime '', when I tried calling the company they did not answer and instead informed to send them an email at XXXX. I have never opened an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: NJ
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:
After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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