BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-13
Company: Atlanticus Services Corporation
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 purchased exercise equipment from XXXX on XX/XX/XXXX and charged it to my XXXX account ending in XXXX. Shipment was delayed for the equipment, so I CANCELLED the purchase on or about XX/XX/XXXX because I HAD NOT received the equipment. 
Sometime in late XXXX, I received phone calls from XXXX requesting payment. I advised them that the account balance should be XXXX as I had cancelled the transaction and never received the equipment. Although, the representative was amicable, documentation must have been overlooked, because I have received repeated calls from XXXX requesting payment for a purchase that I never completed and am being threatened with late fees and negative credit bureau reporting. I provided XXXX the Cancellation Confirmation number form XXXX and advised them that XXXX told me that the return would be processed on or around XX/XX/XXXX. 

I am most definitely planning on reporting XXXX XXXX lax return processing tactic to the appropriate agency, but at this time I need XXXX to STOP harassing me for payment on a credit line that has XXXX balance. The Cancellation/Return Confirmation number provided by XXXX is XXXX. I am expecting that the amount due on the credit line will be XXXX and NO late or processing fees will be added to inconvenience me. In addition, I am expecting that NO negative reports be made on my credit file as I DO NOT OWE monies for equipment that I did not receive. These two merchants should have better communication protocols between each other that do NOT include harassing and inconveniencing consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Ocwen Financial Corporation
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 IS NOT A DUPLICATE COMPLAINT * My initial complaint was closed on XX/XX/XXXXwithout Ocwen Loan Servicing taking all the needed action to have their credit item expunged from my credit file.

Initial Complaint Details Complaint number : XXXX   Date submitted to CFPB : XX/XX/XXXX Ocwen Loan Servicing did not address in their correspondence letter datedXX/XX/XXXX that they were going to update the first Delinquency Date to XX/XX/XXXX ( they are reporting XX/XX/XXXX ) with the credit bureaus : XXXX, XXXX, XXXX and XXXX. This credit item needs to be purged due to age of first delinquency. Ocwen only handled half of my first complaint, which was to report that I was 180 days past due on XX/XX/XXXX.

Further, Ocwen has already admitted, in writing which I attached, that they first acquired servicing rights on XX/XX/XXXX from XXXX XXXX XXXX  with a loan due for XX/XX/XXXX. This is an undisputed fact that they already substantiated.

Ocwen Loan Servicing, LLC also incorrectly reported they transferred my account to XXXX XXXX XXXX  onXX/XX/XXXX. My account was transferred on XX/XX/XXXX.

You may reach out to either XXXX XXXX ( XXXX  ) XXXX in the Ocwen Office of Ombudsman or XXXX XXXX   in the Ocwen Office of Ombudsman ( 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 2020-05-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At the middle of XXXX I XXXX looking for a product. The XXXX XXXX I found a sight that had it in stock but charged quite a bit for a bottle. I went to the check out and realized they wanted payment through PayPal which I prefer not to use. I opted to use my debit card from my checking account. I paid {$19.00} on XX/XX/2020 I never received a confirmation number nor any tracking number. The only thing I see is they took the funds out of my account but never shipped the product. I tried numerous times to contact PayPal but you cant speak to anyone due to covid 19 they are saying. I tried to put in a dispute and request a refund for a scam bu was unsuccessful in that as well. The only information I have is this information that is showing on my bank account. PayPal XXXX XXXX CA XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed my account without even notifying me. My account which is in good standing was frozen on the XXXX of XXXX and I went in and they refused to give me my {$800.00}. I am XXXX and I have a mere income of {$790.00} per month. Please help me get my money I owe the bank nothing. I have a disconnection notice from the electric company and have no money to give to them. I am XXXX years old and can't work. How do I recover my money I really need it they won't even tell me why they closed my account after more than 20 years being a valued customer. Please respond quickly I have no money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2019 i went to the bank to withdraw some money and found out that my account was being used and took XXXX dollars from my account. this happen within several transaction. i would like to request a thourough investigation and im willing to prosecute.

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 2020-05-06
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Citibank credit card. It stopped working without any warning on XX/XX/2020, which caused my wife and I social embarrassment when the card would not process at multiple merchants. 

I called Citibank to find out the problem and they refused to tell me what specific transaction is causing the potential fraud problem or why the bank stopped all access to my card. Instead, the representative stated that they can not speak to me about the issue without verifying who I am. Then, they asked for " verification purposes '' to speak with my employer. 

I do not understand what speaking with my employer has to do with authenticating the person who is calling. This appears to be an attempt by Citibank to stop lending to people until they can reconfirm employment, because they are afraid of loan losses during the Coronavirus pandemic. I don't know if that's even legal for the bank to do to an existing long-term customer who always pays their bills on time. This appears very shady.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: MD
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 XXXX took an incredibly long time to send me my final bill, at a new address after I moved. The balance ( {$85.00} ) was sent into collections. Upon finding this out, I immediately contacted XXXX to pay the balance. I was assured that it would be removed from my credit report within 30-45 days, since the balance was paid in full. That was approximately 24 months ago. I have contacted Experian as well as XXXX, who have been extremely unhelpful and told me " you should have paid your bill, this won't fall off until 2024 ''. I have excellent payment history without a single missed or late payment on ALL of my accounts. This derogatory entry on my credit report is keeping my score under 700, and causing me the inability to secure financing much needed for my small business. At a time like this when so many are unemployed and my business needs all the help it can get, I am unable to secure a loan because of this. I would greatly appreciate any help in removing this from my credit report!! Thank you so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
asked why the fees to servicing the loan was so excessive, and at the time i could not pay all of my loan amount because of my pay, they would not accept a lower payment. 
At the time i lose my home and my job., so paying them was out of the question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Select Portfolio Serving has denied my modification request. I believe I deserve a modification because of my monthly mortgage payment is unaffordable. My monthly payment jumped from {$1600.00} to {$3300.00} a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm in the process of refinancing my home with a company other than wells fargo but I can not get wells fargo to stop the automatic payment so that the company I'm refinancing with can pay off the loan with wells fargo. There is no option on their webpage to stop scheduled payments and I've spent the past 24 hours attempting to cancel the auto pay. I have spent hours searching the internet and reviewing wells fargo 's website for instructions on how to stop a scheduled payment, however I am not seeing the option to edit or delete a payment on my dashboard which all of Wells Fargo 's FAQs claim exists. 

Wells Fargo has consistently made setting up and modifying automatic payments excessively difficult. In light of Wells Fargo 's long history of deceptive consumer financial practices ( culminating in their disgraced former CEO being barred, for life, from the financial services industry ) I am horribly concerned that this is nothing less than a continuation of the ethical rot in Wells Fargo to wrongfully extract money from customers. Further, its likely that I'm going to have to fight for months with them to get my money back. I have no faith or confidence in wells fargo and do not trust them at all to make this right.

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 2018-04-07
Company: EQUIFAX, INC.
State: NC
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 found out that my identity has been stolen and this person has been trying to get credit in my name. I went to a car dealership and found out there are multiple inquiries on my credit report that are unknown to me. I was asked to contact these companies and I did. Almost all of the companies I've never heard of in my life. I asked them to send me copies and proof and signatures giving them permission to pull my credit report. Some said thats not the law and some said they will send it ... .Its been years ... .nothing yet. 

XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... .XX/XX/XXXX XXXX XXXX XXXX ... ... XX/XX/XXXX I never applied for any XXXX XXXX cards at any of my old addresses ....

I had just a car loan from XXXX XXXX ... .and never missed a payment.

I have 2 XXXX XXXX cards at this moment in good standing and just received a credit line increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: LA
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 dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to XXXX  and Experian. After challenging the validity of the account I received feedback from XXXX on XX/XX/2018 which stated that the account was being deleted from my XXXX   account due to being unable to very this debt with an original instrument of indebtedness. Experian has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for XXXX, but somehow provided it for Experian. It is my belief that Experian is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my XXXX and still remains in a negative status which is negatively impacting my score. The account in question does report to Experian as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.

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 2020-01-31
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the 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 2018-03-22
Company: EQUIFAX, INC.
State: OH
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:
Equifax reported XXXX owing from XXXX XXXX on XX/XX/XXXX ( Sunday ). On behalf of XXXX XXXX who informed me the account was charged off XX/XX/XXXX off of report. Gettin financing for purchase of condo. Paid off accounts to increase credit score. On XX/XX/XXXX received alert from XXXX XXXX. XXXX XXXX reported collection for {$230.00}. Credit was repaired and no reporting from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I received no letter or phone call requesting payment dropped my score 40 points. Lender stated had never seen this during his 30 years plus in financing homes. Contacted Equaifax on XX/XX/XXXX three representatives told me to call back 2hrs. System updating, one hung up on me. This was Monday at XXXX. No report from XXXX to transition. Received report of investigation today from XXXX  debt removed. Raised red flags for me. Equaifax is fica score used for mortgage lenders. Exquifax called me today and gave back call back number. Placed call told department did not deal with disputes. Transferred to Representative named XXXX who asked me for my ss number etc. I was blown away when asked what day I filed dispute, this information would have shown on my report. There is really a problem with Equifax. Sent email to exquifax corporate director of credit  reporting. XXXX XXXX reported to exquifax with malice and intent to drop my score. Please investigate this matter too many red flags. The last representative stated they were not here for me to make phone call to XXXX XXXX. Company gets 30 days respond, yet company took 4 months to report debt at the exact time I had a score to receive my approval letter. 40 point drop was for {$230.00} which was never on report and unknown by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed by Chase Bank. The amount is XXXX and XXXX from previous balance. At this point, I do not know if interest has been added. On XX/XX/21 I received a letter from Chase indicating my funds will be made available with 8-10 business days. I have gone to branch and made over ten calls. I have written the office of the CEO in NY. I am tired and desperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
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: Account status incorrect

Complaint:
I went to a XXXX XXXX  and asked for my XXXX XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on 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
Consumer complaint received 2021-02-14
Company: JPMORGAN CHASE & CO.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Chase posted a charge to XXXX on XX/XX/2020 from XXXX  for {$120.00}. I called Chase and reported the fraud. Chase reversed the charges, closed that card and sent me a new one. In XXXX Chase again posted a similar fraudulent {$120.00} charge to the new account ending XXXX. I did not use the card at all. Chase is the only one with the new card number as my physical card is placed in storage. 
I again reported the fraudulent charge. Chase started the dispute on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX who transferred me upon request to XXXX. XXXX harassed me an behaved abusively instead of informing me of the status of the charge. He yelled at me claiming it was a recurring charge. I pointed out that there was no other charge except the previous fraudulent charge that closed the account. I asked for a letter explaining the result of the investigation into who gave this second card number to the criminal creating these fraudulent charges. XXXX said they would send a letter. I thanked him and asked when the charge would be removed and he started harassing me again and then hung up. 
I called again tonight and spoke with XXXX who transferred me to XXXX in XXXX MO. He said that a letter was sent on XX/XX/XXXX. I haven't received it yet. I asked why the charge was not reversed and XXXX said that was up to the fraud department and to call them. I said I didnt want anymore arguments on the phone, I wanted it written down and was calling to learn if a letter had been sent. I repeatedly asked that the card be closed because Chase was using it as a scam to inflate their balances owed. 
Chase gave my credit card to a known fraudster, whom I can not contact to address these fraudulent claims. I do not have and have not received any TV services. I do not have a TV. The actual XXXX XXXX XXXX knows how to contact customers or visit their homes to stop service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received two notifications from XXXX stating I received money to be sent to XXXX XXXX XXXX. I closed my XXXX XXXX XXXX  back in XXXX and have no accounts there. My email should be linked with XXXX and XXXX XXXX ; however, payments continue to get routed to XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX regarding this and they stated it's a XXXX issue and to contact them and were not courteous or helpful beyond " you have no accounts here currently ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a bankruptcy showing up on my credit that needs to be removed.

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 2020-01-31
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation