BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-04
Company: JPMORGAN CHASE & CO.
State: TX
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 was recently defrauded by what I thought was a company that wanted me to work for them. I have my resume up at online job boards like Monster and I received a response from a company concerning a XXXX XXXX position. Although they seemed to be legitimate, they defrauded me for $ XXXX. 

Once it dawned on me that this was a ruse, I contacted the FBI and the Secret Service. I then asked Chase to place a hold on my credit card account. Since it 's been a few weeks and I have yet to hear anything back from the FBI or the Secret Service, I called Chase to find out whether or not I had any fraud protection on my card. Suffice it to say that the woman that I ultimately was transferred to, did not make me feel as if I had been victimized ; she made me feel as if I was an accomplice and was arguing around semantics. She said that I was scammed and not defrauded and therefore not eligible for fraud protection. The words are synonymous though and I explained that in my Email to the CEOs of the bank. I 'm just asking that they help me with this situation and that 's what I called to do until I was challenged by this woman. Surely they can see that I was acting in good faith when I thought I was acting as an agent of this company. I left out a lot of detail for the sake of brevity but I will gladly provide you the Email that I sent to the CEOs if you need it. 

Not only did she make me feel as if I was somehow in collusion with the criminals, she hinted that they have placed some type of freeze on my credit which makes me feel re-victimized because I need my credit to qualify for school loans. Is there anything that you can help me with? Is there any way that I can help myself? 

Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Ability Recovery Services, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX Phone # ( XXXX ) XXXX Unlawfully, falsely submitted my annual income up higher than it was, to get credit cards and loans approved. Without any written verification, documentation nor signature by me. 
Due to this unfair.unjust act i had to file Chapter XXXX Bankruptcy Date:XX/XX/2016 Court Type : Federal District, Responsibility : Individual Debt and Discharged, Docket # XXXX. 
2. Collection /Attorney : Ability Recovery Services # XXXX XXXX XXXX XXXX XXXX XXXX Phone # ( XXXX ) XXXX Placed for Collection:XX/XX/2016 Original Amount : {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: MS SERVICES LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I did contacted this company named MS Services LLC. I did sent the money through XXXX XXXX for them so they can delete the negative information. Apparently, they did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: AES/PHEAA
State: MD
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:
I was signed up for direct debit and all of a sudden they took me out with out notifying me and when I kept calling and trying to log in online the password would not work I kept reporting it no one would help me and now my credit has dropped over 90 points while I am in the process of trying to buy a home. I have tried to get help and I have tried to have them remove this off my credit with out a reply, like all the other times I was trying to get help before it was to late. This company is a scam and they have ruined my life and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/XXXX we applied for a loan modification. Caliber home loans asked me for a lease for my rental property which I submitted via-email. Caliber has not sent me a approval letter or denial letter explaining the reasons for a denial. They have scheduled a sale date for XX/XX/XXXXwhen I feel based on our income and hardship, we should be able to qualify for a loan modification. 

We talked to Caliber Home Loans about a short sale. XXXX XXXX, a non-profit agency was willing to purchase our home. An offer was submitted, but on XX/XX/XXXX, Caliber denied the offer saying it was too low. A higher offer was submitted that was near the appraised value. Caliber did not approve or deny the offer. Additionally, we feel the denial was premature because the they acknowledgment letter was not sent until XX/XX/XXXX, but we were denied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
TransUnion is reporting a Tax lien that I have no knowledge, I have tried many times disputing this with TransUnion with the item not being deleted. The tax lien amount is for {$10000.00}. Also I like to include that XXXX and XXXX deleted this already.

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 2018-03-25
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of  my credit reports XXXX, XXXX, and XXXX   immediately and not sold to another company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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:
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!

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 2019-03-19
Company: OCEANSIDE MORTGAGE COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Every single year since the mortgage originated ( XX/XX/XXXX ) my  escrow has increased by {$200.00} because the mortgage company isnt calculating escrow properly, or is not paying taxes properly. The first year my mortgage increased by ~200 in XX/XX/XXXX, then I got a refund for overpayment in XX/XX/XXXX of about {$900.00}. Then my mortgage jumped back up by about ~200 a few months ago, and once again I am getting a letter reflecting a shortage in escrow. My taxes have increased, but its insignificant compared to the increase in monthly payment. 
When I asked them, they said they paid the taxes incorrectly. This is a costly mistake for me, as the mortgage keeps increasing by {$200.00}! Is there any action I can take against them, as the unpredictability is not good financially for their customers, and feels unethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
TD Finance continues to call for a XXXX XXXX that no longer has this phone number. I obtained this phone number several months ago. I have asked politely that this number be removed from their calling list as this individual no longer has this number. 
I have requested twice that TD Finance discontinue calling this number for XXXX XXXX. But I received another call on XX/XX/XXXX, XXXX XXXX, from TD Auto Finance : XXXX. 
I attempted to call but unable to obtain customer service because I am not a customer with this organization. I have twice requested they cease already. 
I feel I have been patient but now consider these calls annoying and harassing and for no reason because TD Finance refuses my request. They are calling an incorrect number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This company is getting ridiculous. I called their CS line yesterday as I noticed that my AUTOMATIC PAYMENT wasnt looking like it was going through under card account ending in XXXX. Chase should KNOW how their own app works. Their is an option to edit your existing automatic payment and I did - I updated the bank it was being pulled from last week. It said pending for XX/XX/XXXX under my XXXX account ending in XXXX. When I told the customer service man on the telephone last night that I didnt see it posted yet, he said he didnt see it either on his end, and that I should make a payment to avoid a late payment and fee. So I canceled the automatic payment and paid from my XXXX account XXXX. He said he could now see it, apologized that the APP didnt show that supposedly it takes a full bill cycle to change a bank yet it was pending yesterday for XX/XX/XXXX under the different bank XXXX. So if I didnt call him - and he didnt tell me this because their app is a JOKE as is their whole bank at this point, then I wouldnt have known. Now I see that it says Im late and there is a XXXX late fee which he never told me about he said I was good. I also have the screenshots of the payment last night. I did get in touch with chase and said I dont want this reported to the three credit bureaus as THEY CAN SEE I HAVE NEVER BEEN LATE SINCE I HAD THIS CARD AND THEY SHOULD SEE I DONT USE THE CARD ANYMORE EITHER. So for them to allow me to edit an automatic payment where it says pending for the due date that day and then I check to see why its saying its still due last night- IS why I called them. I have again never been late and Im not paying for a mistake the XXXX or paying by it being reported as late to the credit bureaus bc of their app problems and 2. I did pay it on the due date anyway. I can give my attorneys number if they dont rectify this as they are screwing up on a number of issues with a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: PA
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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not our accoiny status and not our responsibility from XXXX XXXX  during COVID-19.

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 2021-02-13
Company: Phoenix Financial Services LLC
State: NC
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:
Phoenix Financial Services is reporting on XX/XX/2020 TWICE on credit bureaus for an amount of XXXX that I have absolutely no knowledge of. Ive tried to get it verified. I would like this investigated & removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today ( XX/XX/2020 at about XXXX ) I spent 45 minutes filling out an electronic mortgage payment set of forms online with PennyMac LLC . At the final step I was notified that " oops '', there was a problem and I should re-apply again later. I called their 800 customer service line and was told that the web browser I use ( XXXX ) was not workable - the operator said the ONLY acceptable browser is XXXX XXXX. I do not want to be forced to download yet another browser to simply make their payment. This is discriminatory and at a minimum the company should inform me of the browser restriction BEFORE I spend 45 minutes filling out their online form. I suspect they are being paid to restrict access to one browser only. This is an unfair business practice. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery A, added 2 derogatory marks on my credit report per XXXX XXXX. Upon, further research, these accounts was transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and say its mines. According to the FCRA, -- -- -- - has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Dynamic Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
just received a collection debt from Dyanmic recovery solutions on XX/XX/18 for an amount of XXXX. The collection agency is stating in the letter/bill that I owe a debt which I know is not mine and do not owe. I also checked with all three major credit bureau 's and the debt does not exsist on my credit reports. I would like the harassing letters to stop being sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
At the time I applied for a Bank of America Platinum Plus credit card I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Is this lawful?

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 2018-04-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I deposited a check to avoid any overdraft fees. Chase said the deposit came in 11 mins too late and would not reverse fees. I have been a great outstanding customer for 10 years. They refuse to help. I spoke to 4 different managers. 

I was charged {$70.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-25
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: Account status incorrect

Complaint:
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam

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 2020-08-03
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have my son 's XXXX XXXX medical bill from XXXX XX/XX/XXXX amount XXXX . XXXX was born XXXX XX/XX/XXXX. This bill was paid insurance company " XXXX XXXX '' claim number XXXX. But collections agency " AR Resources inn '' trying to collect the debt from me again.I contacted the " AR Resources inn '' several times and explained that the debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2017, Chase closed all of my credit card accounts with no reason given. I appealed the closure of the accounts but they were not reopened. 

On several of the accounts I paid annual fees for the use of those cards. Those annual fees were not returned to me even though I was no longer able to use the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
about 5 years ago I had a check that was sent online and when I tryed to use the money I found out it was bogus When I tryed to talk to the bank they shut me off and I was reported to XXXX XXXX XXXX   and they keep blacking balling me to the point I can not open any bank account This is very hard to swallow absolutely no banks in florida will let me open an account and I did not do anything wrong I also would compensation for all the frustrations and because the bank would not work with me and it against the law to blackball a person maybe to their bank but to all I would call deification of character ruining my life

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 2021-09-09
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Previous landlord informed me that they were bought out by another company. Both property and new company informed me that they do not have any information on my residency. Called the previous property owners, they are not responsive. Advised debt collection agency to verify information, but was told they have no way of contacting the original owners of the account.

Company response to consumer: Closed with explanation