BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm a XXXX year old XXXX that has a 10.99 % interest rate on my primary property with loan servicer Select Portfolio Servicing. I requested a refinance so that I can lower my interest rate and mortgage payment and SPS advised my to apply for a loan modification. I was approved for a loan modification with an interest rate of 9.74 % and they added {$2000.00} to my principal balance. SPS claims they based the loan modification on the information that I sent in. However, the information that I sent illustrated an income lower than they income they used to structure the loan modification. SPS wants me to start a trial loan modification that I strongly disagree with because the income is n't correct and the interest rate is too high

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
The phone number for XXXX XXXX went dark after they deposited a check deducting {$1400.00} from my account. Chase said the check was fraudulent and closed my account while still accepting my funds to cover the insufficient funds. Chase said I can dispute everything after the check has cleared, but how can that be if it is fraudulent? I was told by XXXX I can open a new account but at the bank I was denied that chance due to a negative balance from all the fees Chase charged. They treated me like I was a criminal when I was the one who was hacked!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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:
First off, if Experian pegs this complaint a duplicate, I will take this a step forward. I disputed my XXXX account 8 times for incorrect info ( terms ). All 8 times I sent the original signed contract only for the error not to be corrected. Filed CFPB complaint and per their response, they said they had reason not to believe it was me ( don't know how being I sent a picture of myself holding the letter that would eventually be sent ) and told me to resubmit the info. This time I submitted it with a notarized letter AND the original contract. This needs to get fixed immediately or more extreme measures will be taken ( legal ) and I will seek every fine due to me. Experian, delete this XXXX Account immediately. You want the contract AGAIN, please view the other complaint where I sent 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 explanation
Consumer complaint received 2017-12-09
Company: National Enterprise Systems, Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
National Enterprise XXXX XXXX XXXX XXXX, oh XXXX XXXX {$3900.00} Open XXXX XXXX Reported XXXX/XXXX/XXXX This is all negative info that am not obligated for, due to my contract of completion of the school. I did not resign for the loan next term. So therefore we have to contract in wet ink on paper.

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 2019-03-28
Company: SYNCHRONY FINANCIAL
State: GA
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:
Had a XXXX XXXX  XXXX card through Synchrony bank, which was paid off thru XXXX XXXX and the agreement was once paid that all information would be deleted for pay. I called and spoke with XXXX concerning my XXXX XXXX XXXX ending in XXXX open XX/XX/XXXX Spoke with XXXX in Customer Service at Synchrony on XX/XX/XXXX, she stated that my balance is showing XXXX. She was not sure as to why it is in a charge off status. This should be XXXX balance and deleted for pay per the agency that they hired and I paid in full. My name when I had this account was XXXX XXXX and now is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I recently got scammed for trying to adopt a dog. I had sent a money transfer through my bank ( Chase ) using XXXX. Having used XXXX before I knew it was reliable. The scammer had shared all his information so I felt comfortable doing the transaction. When I knew I got scammed, I called Chase right away and told them what had happened. The only thing Chase can tell me was that " they can not help me '' and to contact XXXX instead. I contacted XXXX and they just told me to send money to people I personally know. I wanted to complain because it is unacceptable how XXXX is able to be off the hook without helping for a second and Chase not having to hold XXXX accountable even though XXXX can be used directly from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: CITIBANK, N.A.
State: FL
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:
We made a reservation through XXXX we used their special offers where they guarantee that 2 adults will sleep comfortably. We followed the instructions to make the reservation in which we never had the option to ask for more beds or request a bigger room. We kept following the prompts to continue the reservation hoping that we would be allowed to enter the number of adults on the trip, but this never happened. When we finished making the reservation we called the hotel & XXXX within minutes to confirm that we would be able to have 4 adults on this room, however, we were told by the hotel that they could not accommodate 4 people and when we called XXXX they shut us down right away with no options given. This purchase was done XX/XX/XXXX or XX/XX/XXXX. XXXX didn't want to work with us or accommodate us at all. I attached a letter with more detailed information in regards to this transaction. 
That same day I called my credit card company Citi cards and I was told that as soon as the transaction posted to the account I will be able to dispute it and cancel it. That information was misleading ... they provided me with a temporary credit, but at the end they stood up by XXXX and charged me back the total amount of this purchase. I am now writing because I have disputed the charge with Citibank, but they have sided with XXXX because their terms state that the XXXX XXXX reservations through XXXX are non-refundable. It was our XXXX vacation and we went ahead and booked with a different company because citibank assured us that the purchase with XXXX will be refunded, that didn't happened.

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 2020-08-26
Company: Integrated Asset Recovery LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Several years ago we got into a hardship when my husband became ill and had to be off of work for several months. I had a XXXX XXXX credit account that I had opened in XXXX. After awhile, I was getting behind on my payments during this time, so I contacted XXXX XXXX and did a settlement arrangement with them. I paid that off, but for some reason, XXXX XXXX  reported to a collection called Portfolio. saying I owe {$690.00}. I have tried numerous times to contact trying to dispute this, but in their response they are claiming this is correct when I know it is not. My only problem is, it being several years ago, I can not find my proof. I do not want to pay again after I have settled with XXXX. It is not right to not want to work with me on this matter, I have already told Portfolio, I will not pay this. They are wrong. I have tried several times to get this disputed. It has been put on my credit file as a charge off of {$690.00} by XXXX / XXXX but I never get mail from this company. They refuse to let it go off of my credit report when I contact.

Company response to consumer: Untimely response
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get 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 2018-12-19
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: Account information incorrect

Complaint:
There is an auto loan account on my credit report that I did not apply for. I have reached out to the credit bureaus as well as the finance company several times to send me proof of signature and contract information, even as recently as today XX/XX/18 and have not received any resolution. The account was also closed in XX/XX/2018 and every month the account balance increases and it should not. I also tried reaching out to the dealership in which the car was purchased and it is now closed down. The balance is not mine, it is my daughters, and it is also inaccurate, and the finance company is not being helpful in trying to correct this 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 2021-04-26
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Billed me. I am a XXXX client. XXXX XXXX ( XXXX  ) response was '' XXXX Response : Thank you for contacting XXXX XXXX customer service. I? m sorry you? re experiencing this billing issue. Please contact the provider? s billing department and inform them that as a member of XXXX/XXXX XXXX you? re not responsible for out-of-pocket expenses per XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and should not be billed. If the provider has any questions about the claim filed, they can contact XXXX XXXX directly. If you continue to receive bills for this appointment, please contact XXXX XXXX XXXX XXXX at XXXX XXXX to file a grievance. Feel free to contact Member Services if you have any additional questions, XXXX XXXX '' I sent this to XXXX XXXX XXXX. Now this bill is on my credit report!! I am stll receiving bills. On the XXXX site XXXX gets an F rating because bills are paid and they still put it on credit report!! XXXX COMPLAINTS-https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This happened in XX/XX/2017. I received a quickpay from someone ( " XXXX XXXX XXXX '' ) who wanted me to buy XXXX Giftcards which got flagged by Chase. I later called them to tell them that the person whom I received the money from is a scammer. However, they decided to make it such that my account would be locked unless the person who sent the quickpay calls Chase and confirms the quickpay. But the problem is I don't know the person and I couldn't contact him after that. A few weeks later, XXXX forced me to close my checking account and suspended my internet banking access. This makes me paying my credit card bills extremely inconvenient as I have to make phone payments. I tried complaining to the XXXX  back in XX/XX/2017 which got my internet banking access reinstated for about 2 weeks. However, Chase once again shut that down. I'm only making this complaint now as I didn't know the CFPB is another avenue I can try to get back my internet banking access.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I called XXXX and XXXX XXXX Comenity Bank ) to pay off the promotional balances that were going to be due very soon for the amount of {$3800.00}. They include : Promotional Amount Balance XXXX XXXX {$390.00} XXXX XXXX {$290.00} XXXX XXXX {$180.00} XXXX XXXX {$29.00} XXXX XXXX {$1400.00} XXXX XXXX {$610.00} XXXX XXXX {$290.00} XXXX XXXX {$550.00} XXXX {$3800.00} I spoke with a customer service representative who assisted me with the payment and who assured me that there would be no issues. The reason I called a service representative instead of making a payment online was because I had requested a forbearance in XX/XX/XXXX because I was laid off due to COVID-19. Therefore, I had no payment due in XX/XX/XXXX and wanted to make sure the {$3800.00} payment would be applied to the promotional balances that were expiring soon ; especially since I am aware that with multiple promotional balances, Comenity Bank applies payments in a certain order. 

The only reason that I was able to pay that money was because I received my family 's stimulus check and made a smart decision to pay off these promotional balances since I was not sure when I would find work again. I have called numerous times to fix this issue but it is never resolved. I am told that the money was applied to a promotional balance that expires in XX/XX/XXXX XXXX XXXX ). It makes no sense for me to send that much money to pay off a balance that is due more than 3 years from now when I have promotional balances expiring in a month. 

If my payment was not going to be applied for what I requested, I should have been informed during the call. I was told my requested payment would be applied to the mentioned promotional balances and that did not happen. Please help. 

I included XXXX files. 

The file titled Confirmation Payment Letter is proof that I made the payment over the phone and spoke with a customer service representative who assured me my payment would be applied to what I had requested The file titled Promotional Balances Payment Originally Requested shows in detail the promotional balances that were discussed to be paid The file titled XX/XX/XXXX statement is for ease of reference and has the promotional balances mentioned on pages 4 and 5.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-22
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my third time filling the same complaint with CFPB and nothing is solved. 

Is there a different site or government department that can review this company? 

As of XX/XX/XXXX. I still haven't received my XX/XX/XXXX, XX/XX/XXXX statements Selene Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NJ
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 have sent 3 letters to the credit bureaus XXXX, experian and XXXX  demanding that they investigate the inaccurate reporting and obvious violations that are being reported by all 3 bureaus on this " collection '' account by XXXX  account # XXXX ... each time they come back and say they conducted a full investigation and everything is reporting 100 % accurate so they say that its verified as accurate ... ..how are they saying that they conducted a full investigation and its verified as accurate when all 3 bureaus are reporting different information and violations that are killing my score ... the answer is they did not conduct a full and proper investigation and this account is not reporting 100 % accurate.I have attached documents as evidence. look at the payment history they are all reporting differently, how are they reporting a credit limit on an account that is " charged off '', they are reporting different dates of last payment and date of last active, they did not conduct a proper investigation as required by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation