BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern, There is a great deal of concern that must be shared regarding the way JP Morgan Chase is delaying point of sale debit transactions. I have took notice that JP Morgan Chase delays debits and then pushes the debit ( s ) through purposely when there is no funds in the account or a negative balance will be caused to the account with the transaction. When I contacted Chase at ( XXXX ) I was only offered criticism and how the overdraft was " my fault '' because I signed an agreement allowing transactions to go through. There is a big gap in what Chase is offering the everyday customer as an explanation in these agreements to what is actually happening when the customer is getting hit with overdraft fees. There is an abuse of power on Chase part. They could only blame the merchant. But I swipe my debit card when I have money and the transaction is delayed three days.. Why is Chase running this scam and hiding behind these debit agreements. I can testify that there is money in my account when I use it. The debits are being purposely delayed and pushed through in bunches in an effort to collect {$34.00} in bank fees for each debit. I am a XXXX customer and I was met with criticism for Chase supervisors on XXXX at approximately XXXX PST via telephone for not managing my account the way a non XXXX person could. It's frankly disgusting. Please confirm at your earliest convenience the status of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Threatened by locator service named XXXX XXXX ( blocked caller id ) saying I was going to be served! The debt was originally with wise loans and is now being handled by Atlantic Collection Agency XXXX ( XXXX ) XXXX who used some threatening locator service to constantly call me and my family members threatening to serve me with documents. They call from a non caller id so you cant return their calls. This was an old loan that I know was paid in full and they refuse to show me documentation showing otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: WA
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 nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account liability on my credit report is absolutely confusing and incorrect. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. In addition, your institution has also established that this account is verified how many times already. Please correct this within the time frame required by the law before I am going to speak with an attorney at law regarding the willful non-compliance within your agency in not giving me the information I requested during my past dispute. 

Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed Ally Bank fees for excess mileage at the end of my lease. Ally issued my final statement o n  XX/XX/XXXX which was paid by me on  XX/XX/XXXX  Since  XX/XX/XXXX  Ally has called me or my family members constantly. I or another family  member have informed Ally on multiple occasions that this debt has been taken care of but they continue to call and harass and insist the debt has not been paid despite my having confirmation numbers and bank statements to corroborate this.

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 2022-10-28
Company: Experian Information Solutions Inc.
State: PA
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:
I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

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 2022-07-15
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told them two weeks ago to stop calling my phone to talk to a person who isn't me. They have called me over 15 times within two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX provider but due to the Covid 19 pandemic lock down there was literally zero business.During the lock down I did not work for more than a year and applied for government mandated mortgage forbearance plan which was approved as well as extended. 
This XXXX i started working and i tried to resume my mortgage payment. The bank refused to accept regular monthly payment and demanded me to pay back the full forbearance balance at once, which is more than XXXX XXXX dollars. 
I did not work for more than a year, i asked the bank for deferment of the balance, which they denied verbally over the phone, stating my lender does not offer deferment. 
Then the bank asked me to apply for loan modification, which they denied as well. 
My home loan was modified back in XXXX during the real estate market disaster, my bank keeps referring to those policies. 
This is year XXXX, there is a global pandemic and financial recession, how could the bank ignore current situation and base their decisions on XXXX. 
I am in a position to resume my home mortgage payments, it will be possible only if the bank is willing to work with me. 
I applied for modification which was denied based on the XXXX modification, this is unrealistic and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
CITI CREDIT CARDS WITH FRAUDULNT USE. CITI IS MANAGING AND HAVE NEW ACCOUNTS BUT IT WAS A RECURRING PROBLEM

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 2015-09-08
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This debt is 5 years old from date of the last activity with the credit grantor. It is showing current when it is old.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: TX
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:
I have exercised my rights as a consumer to obtain my consumer report where I identified Equifax as violators of the Fair Credit Reporting Act ( FCRA ). Equifax is in violation of the FCRA, pursuant to 15 USC 1681a ( 2 ) ( I ) ; the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Equifax is in violation of this federal law by publicly reporting late payments and charge offs transactional activity between myself, the consumer, and the current or previous opposing transacting party. These transactions are listed as Exclusions under the FCRA and lawfully should not be included on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have/had a mortgage loan via NewRez LLC. 
I had a monthly automatic bank withdrawal for payments. 
I had a remaining balance as of XX/XX/2020 substantially less then my normal monthly payment. 
As of XX/XX/2020 I can no longer access my account information on line through the NewRez customer website. The account is identified as " inactive ''. 

NewRez made a withdrawal from my bank account of the total scheduled monthly payment, where I would expect a withdrawal of only the funds necessary to pay off the outstanding loan balance. 

Upon contacting NewRez via telephone, I was told that this is the way their systems operate and they could provide no further information as to the status of my loan or the process for returning the additional funds ( residual balance ) they withdrew from my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: TN
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 been trying to get this issues resolved since XXXX both credit bureaus ( XXXX  and XXXX  ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX brought XXXX XXXX XXXX XXXX account that was in collections now its saying I owe them money I asked for Verification of this account from being on the owner of this account before even being bought I also asked for them to send me some type of verification that my Signature is on this account and the old account because I never signed up for no account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I keep getting calls from Comenity bank, but I do not have any outstanding debts with comenity bank, or any missed payments. They call from multiple numbers including No Caller ID numbers, maybe 20-30 times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: AES/PHEAA
State: AZ
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX Re : XXXX XXXX XXXX Credit Student Loan Account Number XXXX Dear Consumer Financial Protection Bureau, I am contacting you to seek your assistance with an erroneous 90-day account delinquency that was reported by the referenced creditor to the three major credit reporting agencies in XX/XX/XXXX. As of XX/XX/XXXX, my student loan account was placed on deferment. On XX/XX/XXXX, I suffered a horrific accident when a winter storm packing high winds caused a mature white pine tree to fall, and it landed on me. I was in the XXXX for eight days undergoing XXXX. I was released to a XXXX XXXX  and was subject to XXXX and aXXXX XXXX XXXX   and XXXX through XX/XX/XXXX, a period of eight months. I was on XXXX   and unable to take care of myself requiring help with my basic needs, such as feeding, bathing, clothing, etc. I did not receive correspondence warning me that the loan was approaching the end of the deferment period, nor do I have record of the lender making direct contact with me until 2.5 months after the deferment had expired. Once contact was made, the deferment was extended but the lender did not retro date the deferment leaving the derogatory information as initially reported. I feel that I have been treated unfairly, and I have been discriminated against because of my health condition. 

I am requesting deletion of the erroneous credit reporting, and an address update. My address is XXXX XXXX XXXX, XXXX, AZ XXXX. 

Please let me know if you have any questions regarding this matter. 

Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This a individual loan that has been reported under my name from Portfolio recovery for XXXX, and is a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had a starting loan balance of {$160000.00}, serviced by Aidvantage. I made a total of {$130000.00} of payments in XXXX and XXXX of XXXX ( {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, {$25000.00} on XX/XX/XXXX, and {$30000.00} on XX/XX/XXXX ), bringing my total student loan balance to {$60000.00}. I then made an additional payment of {$300.00} on XX/XX/XXXX, bringing my balance to {$60000.00}. 

I then received communication from Aidvantage that my loan was consolidated, and that my new balance is {$160000.00}, even though it should be {$60000.00}. Thus, Aidvantage knowingly falsified my new student loan balance and pocketed {$130000.00}, with the plan to collect additional interest on this falsified balance. In addition, Aidvantage did not even acknowledge my last payment of {$300.00} on XX/XX/XXXX. 

I have proof of every single payment made through my personal bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My debit card was charged without authorization from XXXX XXXX XXXX in XXXX, NM. I submitted a fraud dispute with BMO Harris bank and received a provisional credit for a partial amount. 

The provisional credit was then reversed from my account with no warning or proof from the merchant that fraudulently charged my card in the first place for the amount of {$1100.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 been trying to get this issues resolved since XXXX both credit bureaus ( transunion and XXXX ) have refused to supply correct information such as original contract, original payment and dates regarding this collection account .I have sent supporting documents and they continue to allow an aged account to ruin my life. I have reached out to the original creditors with no response Per documents attached the account is from XXXX and was sold to a third party in XXXX. They re aged this account ever couple of years please see document below and resolve

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 2022-07-15
Company: EQUIFAX, INC.
State: WY
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 continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX  XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 continues to incorrectly report to the 3 credit bureaus & has done so since 2017 causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUE & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them XXXX XXXX turned this debt over to XXXX XXXX collections agency and the payments for the settled amount were made directly to XXXX XXXX as direct by XXXX XXXX! 
So XXXX XXXX is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!

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 2023-07-31
Company: EQUIFAX, INC.
State: RI
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a foreclosure sale date of XX/XX/2018. I had submitted my offer to the bank for a short sale. However, I submitted it to XXXX XXXX XXXX and they are no longer my mortgage company. I phoned Penny Mac Loans to try to get someone to postpone the foreclosure sale until they could review my current offer and the person that i spoke to was friendly but firm and stated that they will not be able to postpone the foreclosure sale but if i wanted to i could email over my documents to XXXX. I just need for the bank to give me a chance and review my offer. I am trying my best and doing what i can to make it through this tough and trying ordeal.

Company response to consumer: Closed with explanation