BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
None of the information concerning any public record is correct with this credit report bureau. The record on file is not mine and XXXX refuses to correct it.

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 2022-09-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I HAVE ALL OF MY BANK STATEMENTS SHOWING THE PAYMENTS THAT I HAVE BEEN DILIGENTLY PAYING, ESPECIALLY THE EXTRA PAYMENTS ON THE PRINCIPAL AND IVE FILED COMPLAINTS SEVERAL TIMES AND INSTEAD OF CORRECTING THE PROBLEM THEY DO THE OPPOSITE AND TAKE MORE MONEY AND ADD IT TO MY PRINCIPAL AND I BELIEVE THAT THEY ARE PURPOSELY DOING THIS BECAUSE THEY CAN!!! I WOULD LOVE IT IF SOMEONE COULD HELP ME FOR I AM FRUSTERATED AND VERY CONCERNED I AM FAR FROM BEING RICH!! THANK YOU XX/XX/XXXX XXXX XX/XX/XXXX {$1500.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$1500.00} THEY ARE REVERSING ; MY PAYMENTS AND THEN JUST TAKING THE MONEY OFF MY PRINCIPAL AND THEN THE MONEY JUST DISAPEARS .... 
.SHELL POINT MORTGAGE COMPANY DBA NEW REZ XX/XX/XXXX {$3200.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is with XXXX XXXX Credit Card. This is in reference to a balance on my credit card of late fees that are assessed on a late fee balance. In XX/XX/XXXX I made a purchase. This purchase appeared on a XX/XX/XXXX statement with a due date of XX/XX/XXXX. I paid in full on XX/XX/XXXX ; however, this was late and a late charge was assessed. The late charge was paid late and incurred another late charge. I contacted them on XX/XX/XXXX ( copy attached ) regarding this and to no prevail. I requested closure on the account and paid a late charge of {$32.00}. A late charge balance remained of which has incurred another late charge. I have contacted them via phone in XX/XX/XXXX and have not been able to resolve this. 
I confirmed my account status was closed and the balance on the account was a late fee. 
The Customer Care Representative indicated there was nothing he could do and failed to notify that continued late fees will be assessed ongoing. I have not been able to resolve this with the company. I feel that this falls under the Credit Card Act and double jeopardy for charging multiple late fees on a late fee balance. I am asking for assistance with this matter. I am concerned that how can a company continue to assess multiple late fees on their own charges to this account. 
I have attached documents : A. Copy of credit card aggreement relating to fees. This area is not explicit and makes no reference to the ability to assess late fee on their own charges to the account. 
B. Copies of internet interactions with the company C. Copies of statements from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: FIRST NATIONAL BANK OF OMAHA
State: NC
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:
First National Bank of Omaha XXXX credit balance I lost my wallet in XX/XX/2018. I notified First National Bank who ternimated that card number. I failed to contact them within the next billing cycle to reissue a new card, and the account was automatically closed. I understand why it was closed, however the {$160.00} credit balance was not automatically returned to me. I understand they have five months to return a credit, but that should only be on a current account. By not automatically returning my credit upon closing the account, I believe they are acting fraudulently by keeping the money for 5 months, as there was no way for me to use it. Also, I continuing getting statements that show I have a XXXX dollar credit limit, and there is no indication on those statements that it is closed. That is very misleading.

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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a card theft, somebody stooled my card number and they been taking a lot of money from my account, arount 18000 dollars, I check my statement every month approx. and I found this a few months ago, I made the claim four times now with no good result, they just say that I still the money my self and of course not, I already made a police report but they just says that I have to wait for a investigator to investigate my case and I paid another investigator already to help me with no success yet so am just keep looking for help and am desperate don't know what to do, I know my account has a rob protection but they just denied the credit and they says that I have to find and show them evidence to prove that am not the one took the money so they will give me my money back, but how I can do that nobody helps my I hope am on the success way with you ...

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 2017-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file

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 2021-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The reason of my complaint is because PORTFOLIO RECOVERY ASSOCIATES has done a major violation of my rights under FCDPA this is why : I sent them a letter on XX/XX/2021 telling them that THE STATUE OF LIMITATIONS has past on the alleged debt they claimed to be owed to them. Recently checking on my credit I notice that the alleged original amount is {$2600.00} and the alleged balance owed is {$2.00} ,XXXX  a difference of {$38.00}, According to my credit report I had payed off 1 % which is totally false PORTFOLIO RECOVERY ASSOCIATES has committed fraud by paying itself to make it seen like if I make the payment but those are common violations done by junk debt buyers to restart the statue of limitation on debt. With the help of CFPB I demand for PORTFOLIO RECOVERY ASSOCIATES to provide proof of any payment made by me as you claimed in my credit report that I did, if they can not provide any proof ( checks, withdraws from account, copy of money orders etc ) whatsoever I will have no other alternative but to seek legal advice and file a formal complaint to the California State Attorney General and the FTC. ATTACH TO THIS LETTER I AM PROVIDING CFPB WITH : - THE STATUE OF LIMITATION LETTER I SENT TO PORTFOLIO RECOVERY ASSOCIATES., - A COPY OF MY CREDIT REPORT WHERE IT SHOWS THE VIOLATION CLAIMED ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX and DEPT OF ED/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: JPMORGAN CHASE & CO.
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: Public record information inaccurate

Complaint:
Dear Consumer finance Bure. 
I'm trying to remove a lien against to my house. Lien was put by XXXX XXXX XXXX. I refinance my house in 2005 with XXXX XXXX XXXX. XXXX XXXX   XXXX  was supposed to pay off {$9500.00} from XXXX XXXX XXXX XXXX XXXX to XXXX/XXXX. XXXX XXXX XXXX  or the XXXX XXXX XXXX never paid the loan to XXXX. the XXXX tried to collect the money from me which I thought it was all ready paid off. The loan went to collection and that ruined my credit score and I'm not able to get a car loan or refinance my house. Since then I have been paying very high interst on my credit cards and all of the loan that I apply. The collection company XXXX XXXX XXXX take over the collection and took me to court for {$1700.00} and levyed my bank account of about {$800.00} and put lock on my safety deposit box, which have my daughter 's and my passport in it. I can't get it out until this day. I'm trying to refinance my house to pay my x- husband and no one wants to give me a loan because I have a lien against my house from XXXX XXXX XXXX for {$19000.00}, which was XXXX XXXX  XXXX faults, now own by Chase Bank . I called Chase Bank and XXXX XXXX XXXX no one wants to help me to remove the lien off my house. XXXX XXXX XXXX  is not exist anymore, I can't get hold of the Escrow company or the XXXX XXXX XXXX. Please help me to remove this lien against my hose and find out what happened to the money that I paid to them. My mortgage loan is still with Chase Bank they been collecting interest on this loan and XXXX XXXX XXXX been collecting interest and late charges on this loan, now it is add up to {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2017
$XXXX Wrong company report debt -never mine
HIPPA Violation
Medical Bill

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 2020-12-16
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of nd being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file a litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Simon's Agency, 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 information incorrect

Complaint:
CFPB - Please review this for all consumers who are disputing collection accounts on credit reports as this issue is systematic - and against FCRA Simon 's Agency, is reporting data on my report that is wholly inaccurate, and then failed to identify this alleged debt as a medical collection and as mandated by FCRA. 

This is my dispute. 

Where these accounts exists - at a CRA XXXX, XXXX and XXXX the following, is occurring : 1. Simons Agency, a Debt Collector, is knowingly sending data to CRA 's, as if they are a Credit Grantor and with data attributes that Metro2, specifies should not be sent when a DC 2. Metro2 File Standards ( industry norm for accepting data at the CRA ) is followed, DC 's are required to send data in their file to a CRA : - Header ( Who is reporting, including ID or the data furnisher ) - Trailer ( File counts of records sent/activity ) - Base Segment - Consumer detail, tradeline info - Some attributes are not expected to be sent ( values are not defaulted ) to a CRA - K1 Segment ( Original Creditor/ Creditor Classification Code or Client Name/Client Type ) Many fields, are not expected to be sent - see attachment of Metro2 DC do not send Simons is sending them.

The Metro2 file - does not default There are no terms, no contract with or pay history expected of and from you. No contract exists with a debt collector. 

The Original Creditor - should not, and is not expected to be in a comment ( free form text field ) I have never - added a dispute on this account, and I am not impacted by a natural disaster This tradeline - collection account, fails to even show up in the raw data reports directly from the CRA - because, mimicking in data, a CG account. 

Its inaccurate, incomplete and defaming. 

This account does not have any FLAG for Medical collections - you list a specific hospital. 

This account acts like i owe you and as if your are a lender. monthly, and we have no such terms. 

This also serves as a DO NOT CONTACT request, and as per FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Data Mortgage Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Our mortgage loan was sold to Essex Mortgage and we have been unable to reach anyone from the company. 

I have made several attempts requesting a call back through their automated system ( XXXX ) as well as sending an email to ; XXXX ) and no response. 

Our mortgage for the month of XX/XX/2023 is approaching and we have no communication/clarification on the amount due and/or start dates to pay and were very concerned. 

We have spoken to our lender ( XXXX XXXX ) numerous times who has also been unsuccessful with clarifying a XXXX payment destination and XXXX XXXX  is now verbally requesting the payment for XXXX be sent to them ( Hence- Premier Mortgage emailed and mailed us letters stating effective XX/XX/2023 we are not to send them any funds ). 

We are first time home buyers and currently stuck between a rock trying to make sure mortgage is paid on time and to the correct Mortgage Company. Please help us!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Midland Credit Management contacted my husband looking for me even though they have my work number and cell number. XXXX XXXX proceeded to give my husband all of the information on the account such as amount owed, deliquent status, asked husband for payment. Husband is not on account, not joint account and was never authorized for information. Husband told him 3 times he was driving and knew nothing about the situation and he continued. Spoke with XXXX XXXX supposedly a supervisor and informed me they did not break the law. States they are allowed to speak to spouse and give information. Since they have done this my husband is now filing for divorce and I believe I am entitled to civil suit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
The companies I'm complaining about is CapitalOne and, probably to a greater extent, Visa. 

I made a large payment to furniture company named XXXX and XXXX In XX/XX/2021 for a chaise longue to be custom built and delivered. The chaise was set to be delivered at a time frame of roughly 16 weeks, with the rest of the payment sent at different stages throughout the process ( starting, completion and shipping, delivery ). 

As the weeks ticked on, I was informed about more and more delays. Eventually, a year passed and the company stopped responding. It turns out they'd gone bankrupt. 

I made every attempt to contact XXXX & XXXX, to no avail. Okay, I get it. Companies go bankrupt. 

My complaint is not about XXXX and XXXX, and here 's where it gets good. 

I called CapitalOne- the provider of the credit card that I used - informing them of the situation and asking if I had a case to dispute. I was informed by the representative that yes, since the merchant effectively welched on their contract that I did have a case. I was sent a very generic form and asked to send the form in. 

One month later, the dispute was denied. 

I called CapitalOne to ask why the dispute was denied - after a polite but intensely tedious run with three customer service agents, I finally made it to a manager who informed me that 'my documents had been sent off to Visa and had been denied, ' with the clause 'you only had 60 days from the statement date of the charge to file a dispute. It's past the 60 days. ' No matter how much I asked this final customer service rep, that was their final answer. 

XXXX reader, if you're paying attention, this illustrates an exploit of our financial system : Step 1 : open a company Step 2 : promise consumers a lovely product, to be delivered in 61 days from payment date. Only accept payment via Visa.

Step 3 : at 61 days, close the company, take the money, and run.

Step 4 : You win! Visa will not come after you or your bank, because you're protected by their 60 day guarantee! 

Visa appears to be saying to the world 'we protect criminals, scammers, and fraudulent merchants. All they have to do is set a delivery date past 60 days. '

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-18
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I've tried to call back and am put on hold for over 20 min. Tried to call phone listed for XXXX and can't connect me to him.Talking to a regular phone call person. That is no help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: SYNCHRONY FINANCIAL
State: MD
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:
My beloved parrot died in the beginning of XXXX. She was XXXX XXXX XXXX and I am heartbroken. The scam began when I had tried to purchase 2 different parrots using my Venmo credit card. The scammers preyed upon my vulnerable state and kept adding " expenses '' to ship the birds. Both purchases turned out to be scams, but I didn't realize it until it was too late. I have contacted Venmo more than once about these charges and they refuse to help. I am out about {$4000.00} and they say that they don't have to help, even though I used their credit card. It was my understanding that using credit cards are a way to safeguard purchases. 
The charges occurred XX/XX/XXXX and XX/XX/XXXX. I have sent Venmo all the information about the scams and they " apologize '' and send form letters in return. 
I have dozens of screen shots of the scammers and several of Venmo 's letters. 
Please help? I can not afford these charges for which I have nothing but heartache in return.

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