BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: Experian Information Solutions Inc.
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:
I have disputed with XXXX  about a few things on my credit report several times. I have just disputed with them recently about a few accounts that have been closed for years but was included in my bankruptcy this year. They are refusing to remove them off my credit report. I have attempted several times before I decided to contact you. I'm trying to rebuild my credit but XXXX  is making it very difficult for me. All the student loans are consolidated under XXXX XXXX. They wont remove all the old Dep of Ed/XXXX  ones off my report. The accounts that I'm requiring about is : Dept of Ed  XX/XX/XXXX Account is under XXXX XXXX Dept of Ed XX/XX/XXXX Account is under XXXX XXXX Dept of Edu XX/XX/XXXX Account is under XXXX XXXX Dept of Edu  XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account was included in Bankrupcy XXXX XXXXXXXX XXXX XX/XX/XXXX Account was included in Bankrupcy U.S Dept of Edu-XXXX XX/XX/XXXX Account is under XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Account was in included in Bankrupcy XXXX XX/XX/XXXX Account was included in Bankrupcy Dept of EduXXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Accounts is under XXXX XXXX. 

I would like all these all removed off of my credit report. That way my credit report is would be correct. Thank you 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 2019-02-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After many attempts over a three year period to get Shellpoint mortgage to either accept a short sale or foreclose, I was finally able to get them to foreclose. The foreclosure sale was held onXX/XX/2018 in XXXX, New York. XXXX XXXX Trustee for XXXX XXXX XXXX had the highest bid and purchased the property for {$80000.00}. 

The principal balance owed on the Mortgage was {$69000.00}. 

Shellpoint Mortgage did not ask for any of the servicing fees above the principal balance to be paid. New York State gives them 180 days to begin collection for these fees. Shellpoint has marked the mortgage as repaid on the credit reporting system with a XXXX balance owed. 

I am attaching a copy of my last Mortgage statement that shows principal balance and fees. 

I am attaching a copy of the Referee 's Deed recorded that shows the purchase of the property at the foreclosure sale in the amount of {$80000.00}.

I received a 1099-C for 2018 that states the amount of debt discharged is {$60000.00} and Fair Market Value of the property as {$20000.00}. The fair market value of the property should reflect the amount the property transferred in the amount of {$80000.00}. 

I am attaching a copy of the1099-c received.

I have repeatedly tried to contact someone at Shellpoint for a corrected 1099-C and they do not return my calls, email or mail. I am at a loss to get this corrected. Additionally they have yet to send me a final accounting of the foreclosure action. 

I would very much like to get the 1099-c corrected and the final statement for the foreclosure action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
they have yet to correct the on line pymt, still haven't chg vehicle info to the new vehicle

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 2020-12-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

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 2018-04-24
Company: Credit Information Bureau, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the later part of XX/XX/XXXX I noticed a negative remark on my credit report through XXXX XXXX. I contact the company listed on the remark Credit Information Bureau , Inc at which point i spoke to XXXX. I asked her to please provide validation of the debt claiming to be owed. On or about XX/XX/XXXX I received a Letter from this company stating this was an attempt to collect a debt with an unknown history inquiry at which point several additional attempts were made to contact this company again inform them this is not proper validation in which I requested but no one from the company returned my call. On XX/XX/XXXX a Debt Validation Letter was mailed certified to Credit Information Bureau and to date they have failed to respond to my request. All copies of above stated documentation has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been unsuccessful with mailing in disputes and calling in reference to unauthorized inquiries been reported on my credit 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 2020-05-28
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I completed a transaction for {$260.00} for the Nevada DMV with my debit card.

That day the transaction was posted on my account right away as pending.

That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do  maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. 
This is the second time that they do this to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Sapphire Preferred credit card on XX/XX/2018. Prior to applying for the Chase Sapphire Preferred credit card, I thoroughly read through the terms and conditions of the offer within my JP Morgan Chase portal. I also received many email communications with a personalized offer. I have attached the email I received as well as my view of the application portal to this secure message for your reference. Based on the email communication and the offer in my JP Morgan Chase online portal, I applied for the Chase Sapphire Preferred card with the understanding that the offer included XXXX bonus points and {$0.00} intro annual fee for the first year, after that {$95.00}. My decision to apply for the card was heavily based on these factors. All the information presented to me through personalized emails and at the time of application included the XXXX bonus points and {$0.00} introductory annual fee for the first year. Additionally, I called JP Morgan Chase customer service prior to submitting my application to confirm the conditions of my offer, and I was assured that I qualified for the XXXX bonus points and {$0.00} intro annual fee offer. 

I was surprised to see a charge of {$95.00} for the annual membership fee posted to my account on XX/XX/2018. Assuming that the charge was a mistake, I contacted JP Morgan Chase on two occasions via their customer service phone line and on two additional occasions via the JP Morgan Chase secure message center. The representative communicated to me that the offer I applied for did not include the annual fee waiver this contradicts the credit card offer presented to me as per the attached files. As a consumer, I made a decision to apply for the Chase Sapphire Preferred credit card based on the information provided to me by JP Morgan Chase. All of the credit card offers and materials distributed to me by JP Morgan Chase were incredibly misleading to a consumer. Had all of the relevant information been presented to me in a clear and concise manner, I would have a different decision as a consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a credit card with Citi. It was sent to collections in XXXX. I was XXXX XXXX as a XXXX XXXX of a XXXX XXXX in my local area and going through financial difficulty at that time. Since XX/XX/XXXX the account has been resolved and paid done to a {$0.00} balance.

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 2020-12-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

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 2020-11-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XX/XX/2020 I have been having trouble with my prepaid edd debit card account, my deposits have been removed and they have been not replaced with no explanation of what happened to the funds. After that date I had gotten several deposits in which I was not credited the correct amount and I have no record in my statement of what happened to my money. Through out my account there are transfers to an external bank account that I have no idea of where the money is being sent to. I contacted bank of america on several occasions and I was told that the account balance is right and the amount that is being displayed is correct. I attempted to contact the bank claims department and they told me that they had not made any mistake and they said edd took the benefits back. I contacted the edd and they said that they would not have taken any of the benefits disbursement back. I tried to contact the claims department once again and I was told that the account was frozen and it was under fraud case. I spoke to the fraud department and was cleared by them and I was transferred back to the claims department and was told that the account was going to have an open claim for the unauthorized access and I was sent a letter stating that the findings of the investigation are correct and the charges to the account are correct. I attempted to contact the claims department and was unable to get in contact with the claims department yet, I am going to be out on the streets because of the money that has been taken from my account. I have a son that is depending on me to make sure he has a roof over his head and this is putting that in jeopardy. The overall sum of XXXX dollars have been removed from my account since XX/XX/2020, and there are some transactions that are not made by myself as well. I am a single mother and I have no other means of supporting my son, all I am asking for is to have the funds that were taken out of the account replaced.

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 2017-09-16
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between the months of XXXX through XXXX, I have been back and forth with each of the credit bureaus and the collection company concerning a collection debt that is being reported. Each time I disputed this debt it came back verified, however, each time that I 've requested validation and/or verification they have failed to do so. On two different occasions I 've received letters from the collection agency asking me submit documents. This has become a hassle because I 've been disputing for months and yet they have failed to submit the necessary documents for me to move forward. Please see the attached documents that I 've received from Convergent Outsourcing. One document even alleged that this was fraud, all I 've asked for was proof that this alleged debt in fact belong to me and they are able to collect on it. Which they have failed to do. Also, my name and home address are listed on the documents.

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 2019-10-27
Company: Riverwalk Financial Corporation
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The Deville Mgt company is charging me for a debt that was closed XX/XX/2015. I received paid in full from XXXX and it showed up 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions 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:
Experian is a company that ruins people credit intentionally. I had several complaints about the reporting for 4 lates on my credit by XXXX XXXX. XXXX XXXX  agreed to update to current and never late I enclosed the letter to prove it. Please update my report. Im stuck now especially I was sick with XXXX XXXXXXXX I have proof. I NEVER WAS LATE

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 2020-05-28
Company: CITIBANK, N.A.
State: NC
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 dealt with Cit 's customer service team. I disputed a charge by XXXX. I received a provisional credit, but the credit was reversed and added back to my account based on documentation provided by the merchant that didn't relate to my circumstance. I sent supplemental documentation to Citi  and Citi  closed my claim saying it wasn't legible. If I would have seen the message to re-provide the documentation, I would have done so, but Citi  sent the notification such that you can only see it when you log in from a desktop browser, rather than the mobile app. As a result, I didn't see the documentation prior to them closing my claim, and now they don't appear willing to help me at all, even though the merchant hasn't provided documentation showing it was a valid charge.

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 2018-03-02
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On Tuesday XX/XX/18 I went to my ATM to withdraw funds. It read insufficient funds. Got on my computer and pulled my bank statement and noticed that PAY PAL had debited my account for {$510.00} and {$600.00}. I DO NOT HAVE AN ACCOUNT WITH THEM. I call Pay Pal immediately to report the fraud. A representative ( XXXX ) saw the transactions and said they were indeed fraud and froze the account of the person where the money went. Originally he was to able stop 1 transaction, however both have gone through. They claim it will take 15 business day for the money be returned. I claim it was there mistake and I do not have a account with them. Attempting to contact to escalate is impossible ( XXXX ) My bank XXXX XXXX is attempting to help, however they also hit road blocks. How does Pay Pal breach my account and grab my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since rates have decreased my wife and I wanted to lower the rate and shorten the term on our existing 1st mortgage. Currently, we have both our 1st and 2nd mortgage with Bank of America ( BofA ). We had recently refinanced our 2nd mortgage with BofA so I contacted them about refinancing our 1st mortgage. I was given a rate/fees that were much higher than what I had seen advertized so I checked rates with a couple of local lenders. I found rates/fees much lower than what BofA quoted me. When I ask my BofA rep about why my rate/fees were so much higher he told me that I would have to submit the competitor 's quotes to receive a better rate from BofA. All of our communication was done via email so I can document everything I am stating. I was not comfortable with this type of business practice so I chose to refinance with the local lender which offered the best rate and fees. Once the refinance closed and the 3 day rescission period was up BofA informed the title company that I had to pay a {$250.00} subordination fee so they would subordinate our 2nd mortgage. I have never heard of a lender charging for this, nor did BofA ever disclose this fee when we closed the 2nd mortgage. However, in an effort to get the deal done I paid the {$250.00} to the title company. Then I was informed that BofA would not accept this {$250.00} fee in the form of a wire transfer from the title company of a deposit at a local branch. They would only accept it as a cashiers check that had to be mailed to them. This derailed the refinance. It did not fund and I am stuck paying another month worth of payments at a higher rate, another set of closing fees, and forced to take time to close another loan.

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 2019-11-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX  HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-28
Company: EQUIFAX, INC.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have some voluntary dismissed chapter XXXX bankruptcy 7 years ago. Equifax continues to report it after seven years. They have publicly stated thru a printed article by a spokesman that they changed the report of these types of bankruptcies from 10 years to 7 years. I file a dispute and never heard back from them. I called to follow up and was told its 10 years regardless what their spokesman 's public comments. I asked for a floor supervisor and he just parrotted the same thing. I then ask to be transferred to his supervisor which he did and it told me I had to leave a message and a supervisor would call me back within twenty-four hours. After waiting more than twenty-four hours I haven't heard from them and no longer expected them to as I think its just a stall tactic. The two other Credit Bureaus no longer report them and I have more than a 100 point increase in my score with both of them. They also only show half of my positive credit whereby the other two report my credit lines/loans history completely. I've been denied credit because of their inaccurate reporting. I seek relief thru your organization first, but hopefully, I won't have to file a legal action. In an email, Equifax spokeswoman XXXX XXXX wrote that the company had recently modified the length of time for how long a dismissed Chapter XXXX bankruptcy remains on file. Under the new policy, she wrote, Equifax removes the flag for a Chapter XXXX bankruptcy after seven years, regardless of the outcome. 
https : //wwwXXXX

Company response to consumer: Closed with explanation