BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Shellpoint Partners, LLC
State: ME
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is NOT the first time dealing with NewRez. I have had nothing but customer service issues and constant battling with them. At one point, I had to activate the XXXX XXXX service just so I could get in touch with leadership to help me. I thought I was done ( other than paying my mortgage ) but NO. I have MORE ISSUES. 

In XXXX, we hired an engineer to survey our property. A LOMA was submitted to FEMA, which was approved in XXXX and our home was officially moved from Zone A ( highest risk of flood ) to Zone Z ( no risk at all ). I am STILL WAITING for them to complete an escrow analysis in order to reduce my monthly payment. How in the XXXX is this taking 60+ days???? I provided a letter - FROM THE FEDERAL GOVERNMENT. 

And now - ANOTHER issue. My insurance company called me today to say that have not received payment from NewRez for our homeowners insurance. They have sent multiple letters and NewRez hasn't paid. Now our policy will be cancelled on XX/XX/XXXX for non-payment!!!! NewRez has PLENTY of money from our escrow account. What's the problem???? You're taking my money and NOT PAYING THE BILL. GET THIS DONE BEFORE XX/XX/XXXX or I will be hiring a lawyer. This company is the BIGGEST JOKE. I can't understand how they have not been sued multiple times and have not gone out of business. Doesn't the mortgage company REQUIRE homeowners insurance??? What happens when it's canceled because THEY don't pay the bill, but take OUR money which is supposed to be used for it. Isn't that a breach of contract??? 

Oh - and don't bother asking me to email XXXX. THEY DON'T HELP. 

PLEASE - just PAY MY BILL. You have $ XXXX in our escrow account ( because of the flood insurance WE DON'T NEED and you continue to charge us monthly for ). The bill is XXXX {$350.00}. If we don't have insurance because it's canceled due to lack of payment from NewRez and anything happens to our home, we will do everything in our power to hold NewRez accountable. Total crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Someone used my email account to open a XXXX account under the name of XXXX XXXX. The obtained access to my Bank of America Online Banking. Using the XXXX account, they transferred {$2900.00} from my personal Bank of America account. On XX/XX/2019. I received a text message from Bank of America at XXXX XXXX, confirming the money transfer was complete. I filed a BoA Fraud Claim # XXXX. The account was frozen at that time. on XX/XX/2019, I received an email from Bank of America, sending me bank account code I requested. I did not request the the information, and reported it to Bank of America Fraud department. on XX/XX/2019, I received an email from XXXX XXXX, stating I submitted a payment between 2 accounts. I do not have any accounts with XXXX XXXX. They could not look up the accounts using my email, and could not find the the accounts by my name, telephone number or social security number. Bank of America has not returned any removed funds, and froze the account with a - {$880000.00} balance. I believe my email address was compromised even after see real attempts at changing my passcode.

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 2017-08-16
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 have a XXXXXXXX XXXX XXXX with Chase Bank which was overcharged for a transaction on XX/XX/. It should have been {$120.00} and my card was instead charged {$500.00}. It was for a dental service which was covered by insurance and insurance confirmed they have paid their portion to the dentist. Instead of billing just the patient 's portion, the dentist charged the full amount to my card as if I was uninsured. I disputed this ( 3 ) times now with Chase and each time they claim it was a valid charge despite me uploading to them the breakdown of what I owed to the amount of {$120.00}. Every time I speak to someone from Chase on the phone they agree with me that I was overcharged and every time the case is reopened, they declare it a valid charge. They are now saying it's past the 90-day window for me to dispute this incorrect charge - despite me disputing it within the window in the first place. Their inability to resolve the problem has exceeded the window- which shouldn't mean that I'm now out {$370.00} that I never agreed to spend. Please push to correct the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: SUNRISE CREDIT SERVICES, 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: Old information reappears or never goes away

Complaint:
Old accounts open dates keep changing

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 2022-09-05
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of dated for XX/XX/2021. I have an inquiry from ALLY FINANCIAL on XX/XX/2021 for a car that I purchased with the contract date of XX/XX/2021. I have never authorized ALLY FINANCIAL to authorize ANOTHER credit inquiry on XX/XX/2021. I already had my car and contract was signed and dated by that date. 

Because I did not apply for credit with ALLY FINANCIAL  on that date XXXXand I only have ONE account with ALLY FINANCIAL I am asking that they remove the XX/XX/2021 inquiry from my credit profile.

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 2021-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have tried for almost two years to get the BofA to commit to a refi on my home without putting me through a hard inquiry and denial that will damage my XXXX FICO score. I have home improvements to make to my {>= $1,000,000} home that are important for my health, and a lower interest rate would be very helpful. My mortgage balance is less than {$300000.00}. The bank has lied repeatedly about and throughout the process. The bank sold my homes mortgage to XXXX XXXX without any initial disclosure. Their story changes every time they feel like it since the CFPB nor the OCC have any teeth to make them financially responsible for their subterfuge and discrimination. About a year ago I spoke with BofA refi specialist XXXX XXXX ( XXXX ) who told me that I could not get a refi regardless of my hi FICO score ( XXXX now ) or the fact that Ive been paying my mortgage faithfully and on time for over forty years and have no plans to move. They would not qualify me for income. The loan is obviously secured by my huge equity and I am secured by my excellent credit. How does the banks position of no refi for a XXXX responsible woman make any sense?

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 2022-09-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was involved in a non-fault accident that caused my car to be totaled. My insurance company paid Kia Motor Finance  {$14000.00} in XXXX, which left me with a gap. In XXXX, the dealership canceled all my extended warranty in which they sent Kia Motor Finance a {$2500.00} check, which still left me a balance. I purchased the debt cancellation agreement on my contract with Kia Motor Finance, meaning if my insurance company doesn't pay the entire balance, XXXX will cover the difference. Kia Motor Finance continued to send me monthly statements via kmusa.com, which I made those payments while waiting for XXXX to pay the remaining balance off. Kia ends up charging my account off which is wrong. 

Under the Truth Lending Act - Kia Motor Finance is violating - 1. ) 15 U.S Code 1605 ( a ) ( 5 ) - Premium or other charge for any guarantee or insurance protecting the creditor against the obligor 's default of other credit loss.

2. ) 15 U.S Code 1666b ( 4 ) - The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Federal Regulations - Creditors in the United States must charge-off installment loans after 120 days of delinquency. There are no late payments on this account or past due this account needs to be updated to be paid in full and closed.

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 2020-06-03
Company: BARCLAYS BANK DELAWARE
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:
On XXXX of this year I contacted all of my creditors and told them that I was being forced to shut down my XXXX XXXX of 19 years cause of the pandemic so all creditors agreed to allow me 2 months at first and then it was extended so can try and get back on my feet and barclaybank reported me for being late in XXXX to the XXXX  credit bureau, I have since asked to pls remove that and I have asked XXXX  to dispute it and they are all just playing with me, it is my only negative mark on my record and if I recall the federal government announce some time in XXXX that no ones credit rating would be affected negotiable by the pandemic.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 act XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX, Ga XXXX Transunion XXXX XXXX Inquiry 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 2021-04-09
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistakes as I assume it has to be. PayPal quite frequently. My Email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Control Corporation at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has failed to validate my debt. I was contacted by this company asking that I pay XXXX collection bills in the amount of {$4800.00} and {$120.00}. These XXXX collection accounts are invalid. I have disputed this debt with them, I do not owe this company. Credit Control Corporation does not have a contract with my signature. Credit Control Corporation has sent me a list of my medical records and medical procedures which is a direct violation of XXXX regulations. I have never done business with this company, I do not owe this debt. Please delete these XXXX credit collections from my credit file and cease all collection activities immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX my wife and I received a XXXX XXXX XXXX XXXX XXXX  debit card in the amount of XXXX dollars issued by XXXX XXXX XXXXXXXX a service of New York Community Bancorp , Inc, and utilizing XXXX XXXX. On XX/XX/2022 we discovered that the debit card had been exhausted of funds due to three transaction against the remaining balance being paid to vendors that were not authorized by us, in a town not nearby. Nor did we authorize anyone else to make those purchases. The details of these unauthorized payments were discovered by calling an XXXX number on the back of the debit card and subsequently listening to a list of transactions on their automated system. Further inquiry to a number indicated on the website of the California XXXX XXXX XXXX connected us with an individual/representative who had access to relevant account records and transactions. She read us the complete list that we compared to our own records. Three transactions, the most recent posted on XX/XX/XXXX, did not match our records. According to the representative amounts and vendors paid are : {$200.00} XXXX {$54.00} XXXX {$1.00} XXXX XXXX XXXX  If I understood the rep correctly all three vendors are in XXXX Ca. At the end of the conversation I asked the rep her name and which department she worked for the franchise tax board to which she replied that she was actually an intermediary between the state of California and financial institutions indicated on the card. She stated that they would begin a dispute process and if determined to be the result of fraud issue a new debit card to us in the amount of the balance. Besides the loss of funds due to fraud we are additionally concerned that our personal taxpayer information and data may be compromised. We question whether sufficient security is in place to protect us going forward Any assistance in this matter is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: CITIBANK, N.A.
State: NJ
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 purchased a pair of expensive shoes from XXXX  XXXX XXXX XXXX over the summer I never received the shoes they were left outside and I live in an apartment complex where the door is outside in public I filed a dispute and just because XXXX  XXXX sent a paper from XXXX stating it was delivered they declined my dispute. It clearly states it was delivered and left outside so I am paying {$500.00} for shoes I never received

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-13
Company: CREDIT ACCEPTANCE CORPORATION
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2022-09-05
Company: EQUIFAX, INC.
State: FL
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:
Please remove collections and charge offs from XXXX. XXXX XXXX, XXXX XXXX, and XXXX XXXX from my report. This has caused me financial hardship and embarrassment. This matter is involved in litigation. I never gave anyone permission to sell my information. If this issue is not solved appropriately I am getting an lawyer to sue. 

Please be aware when handling this matter. 
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I used my Western Union App to send {$100.00} ( XXXX XXXX  Baht ) to my wife who needed it to take our daughter to hospital for XXXX fever. When she went to pick up the money she was told to refer me to an email that they had sent which stated that the money would not be available until XX/XX/2019. When I called to inquire why my money was being held they blamed my bank. When I checked my bank they informed me that the money was removed by WU at XXXX XX/XX/XXXX, which means WU instead of honoring my money in minutes option, they waited fifteen hours to begin the transfer. When I tried to speak to supervisors at WU they either hung up on me or refused to answer their phones when My call was transferred. 
I am sure that this is part of a much larger conspiracy to keep peoples money so WU can earn interest. 
I will never use the App again, because even though out of twenty transfers this is the first time WU borrowed my money for a week, you never know when the algorithm that they are using to select victims will choose you again.

Company response to consumer: Closed with explanation