BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-02
Company: Monterey Financial Services LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is not owed, identity theft reports have been filed and submitted to all appropriate parties and credit agencies. Absolutely zero communication from the debt collector and balance of amount due has doubled. Proven multiple times its not my debt. This needs to be immediately removed from my credit reports and company needs to cease and desist immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: JPMORGAN CHASE & CO.
State: WA
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:
On XX/XX/XXXX, I purchased a XXXX " XXXX '' from XXXX, along with this, I also acquired a protection plan named " XXXX XXXX, that replaces this unit in case of accidents. Few days later, I received a DEFECTIVE unit from XXXX. Clearly, this unit didnt fly due to software issues. I spent the following months trying to resolve this issue with the vendor, who keeps their contact information hidden to avoid written communication. 
Regardless of my multiple communications with XXXX, and despite the fact that XXXX verified that the drone didnt work, they insisted on trying to repair or replace my drone with a used unit. I rejected both options because I paid for a brand-new unit and not a refurbished one. I even contacted XXXX Head Quarters in XXXX directly. After months of calling XXXX, customer service started hanging the phone on me every time I called. 
In XX/XX/XXXX, I finally contacted my Credit Card ( Visa Chase ) requesting a full refund for this transaction. Sadly, the Credit Resolution team at Chase failed to understand the problem, and mistakenly processed this investigation as a returned product and rejected my claim. I immediately called Chase to explain the situation and provided copy of my communications with the vendors. I told Chase that the vendor sold a defective product, and I was requesting a refund. 
In XX/XX/XXXX, after 7 months of my claim, I received an mail from Chase saying that they couldnt prove my communication with the vendor and rejected my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: EQUIFAX, 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 contacted Equifax many of times asking them to remove this item from credit report because it does not belong to me. I also asked for all original paperwork because I've never signed up for this account and Equifax still won't remove. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 we received a letter stating to fill out paperwork to receive 2 months of free mortgage because of the storm. We called the mortgage company Caliber Homes to find out what we neede to do and was this information accurate they said sign the form before the deadline and everything will be fine. By the time XXXX came they started sending letter last stating we were behind on our mortgage. Once we mentioned the letter we received and the person we spoke to they denied this and sent another form that came out saying we can see if we apply for lose of income. The packet was so thick with unnecessary information we did not fill it out. We came up with the money to get us out of debt. Then they told us that our homestead insurance went up. We asked how and what is that. The representative stated they will cover {$20.00} dollars of it and they sent out a letter. They never sent out a letter and began to change our mortgage monthly payments then said to shop around for a cheaper insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX, XXXX and Victoria Secrets to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Portfolio Recovery Associates, LLC once I noticed that they had placed TWO negative items on my credit report for credit cards that I dont recall having. I contacted them and asked them for information, I wanted them to verify information. I called and then I sent a letter asking for this information and as of yet, many months since I sent the letter ... they have not responded. 

I've read through some of the other complaints and it seems that this company piles on debts on people 's credit reports without checking if it's really theirs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There were unauthorized charges to my account from a Merchant XXXX XXXX XXXX. I contacted them and after numerous emails they acknowledged that my card had been used for separate accounts. They said they would return monies owed if I could provide them transaction codes linked to charges. I contacted Netspend asking for such codes. Netspend wasn't  able to provide me with any. XXXX XXXX said they couldn't process refund without them. It was suggest I file a claim. I did file a dispute with Netspend. After 45 days I received a letter telling me that upon investigation they didnt find any errors and would not be issuing me a refund. Yet they accidentally  credited my account for the international transaction fees after denying my claim. I have emails from XXXX who states upon their investigation they determined their was fraudulent use of my card. Their intention of returning funds. Netspend can take my monies back and wont. XXXX XXXX says they additional information. I am not sure what recourse I have because this a prepaid card through XXXX. The merchant acknowledges fraud. I said it was fraud. Why doesn't Netspend move forward and take back monies

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 2018-10-24
Company: STATE FARM BANK, FSB
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I can't use the card because I lost the card. I called State Farm Bank trying to report it to stop any activity and get a new card. The person wanted my NAME, BIRTH, ADDRESS, CARD NUMBER, EXP.DATE AND SECIRITY CODE ON BACK. If I lost the card how can I give that information?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: WAKEFIELD & ASSOCIATES, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a loan from XXXX XXXX, or XXXX XXXX, in XX/XX/XXXX. I let the loan default and in XX/XX/XXXX I started working to resolve the debt with the company. At the time, XXXX XXXX had informed me that the servicing and collection of the debt was sent to a company called XXXX XXXX, now known as XXXX XXXX. XXXX XXXX and I began working on the account, setting up a payment plan, on which I made regular installments. In XX/XX/XXXX I made a payment to reach an agreed upon settlement of a total of XXXX paid towards the debt, and they informed me that would be considered settled in full for less than the amount due. They sent me a letter saying as such and I thought the issue was resolved. Shortly thereafter, I received numberous calls and letters from a company called XXXX XXXX XXXX  stating they were the legal collector on behalf of XXXX XXXX XXXX, that they had been hired by XXXX XXXX directly to collect on the debt, that no payments have been made, and my debt was still outstanding. I sent them documentation from XXXX XXXX, they made to effort to correct the error. Following that I contact quick cash directly, who informed me that they have no association with wakefeild and associates in any way, and that they had sent the account to XXXX. I filed a complaint, and forgot about the issues until recently. in XX/XX/XXXX, I was trying to improve my credit and get a loan from a local institution and they asked that I get a release from Wakefield. having forgotten about the situation I called them and inquired about the debt, and was reminded of this. Nothing has been done. Wakefield stated that I still own the debt, that XXXX XXXX is still contract them, nothing has changed. 

I reached out the XXXX XXXX again, they again stated they had no association with Wakefield and that all information was with the collection company XXXX XXXX, the new name of XXXX XXXX. I paid my debt, I don't want to pay it again to a fraudulent company that refuses to listen to reason. Wakefield and associates is either lying out right, or working off of very outdated and incomplete information, and has damaged my credit for the past 5 years as a result. I need help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH mortgage was called and a 20 day pay off statement was requested and was faxed to my employment on XX/XX/XXXX. I went to my bank and processed the pay off amount of {$39000.00} and my bank sent the appropriate pay off amount XXXX XXXX overnight on XX/XX/XXXX.The escrow {$6500.00}. I received a letter from PHH dated XX/XX/XXXX it had written " revised '' and it stated that the pay off amount was {$87000.00} plus.This sets an out and out major discrepancy which will result in my not getting my property that i paid in full. I am afraid that these people will not release the lien on my home that I have paid in full. 
I have documentation dated XX/XX/XXXX from PHH that says that the principal balance was {$42000.00}. and the escrow at that time was in excess of {$11000.00}. on the website. I have complained to you about this entity twice in XX/XX/XXXX and XX/XX/XXXX.I have written documentation from the president of PHH in XX/XX/XXXX that stated the principal was {$52000.00} with escrow {$9700.00}. This was corroborated with a letter from the PA department of Banking and Securities. 
Therefore I am not sure why I received a letter saying I owe PHH over {$87000.00} dollar pay off! 
I complained about PHH twice last year XX/XX/XXXX and XX/XX/XXXX due excessive escrow accounts and misapplication of my mortgage payments. 
Briefly I had paid this mortgage so far in advance that in XX/XX/XXXX they told me that I did not have to pay anything on the mortgage until XX/XX/XXXX. I have amortization statement showing the account balance and the schedule of pay off. 
It all started last XX/XX/XXXX when I visited the mortgage website and found a {$17000.00} escrow that was outrageous! PHH artificially stalled the pay off of this mortgage with their bizarre misapplication of excess principal payments and escrow accounting practices. Please review the complaints from XX/XX/XXXX and XX/XX/XXXX. 
I just wanted to pay off my mortgage before i retired.I am so disappointed about how they have treated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi - I have a big problem with my mortgage servicer, PHH/XXXX XXXX. I indicated I wanted to be in the forbearance plan back in late XXXX, but after I did more research decided against it, and conveyed that message to the servicer, in writing! 

I have not missed any payments, and in fact have I have made my payments on time. I have, in writing, indicated I did not want to be in the forbearance plan. Today I got a letter saying I was approved for the forbearance plan, and my next payment would be due three months from today. 

Even the dollar amount on the banks statement / forbearance letter is off by a lot! And, there is no explanation of break down of these charges. 

Having been in the XXXX XXXX business for 15 years, and having lived through the financial crisis I am very concerned for not only myself, but others. Especially after receiving the piece of mail I received today. 

I have kept every bit of communication, all of it in writing. I am willing to go over it all with you and provide you with copies. I need your help! Thank you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On Wednesday, XX/XX/2018 I went outside to get in my car to go to work and the car was gone. I called the policy who informed me that my car was repossessed. They gave me the number to the place that took my car. I contacted them and they told me to contact the XXXX people. I contacted the XXXX   people who told me that my XXXX and XXXX checks bounced and they repossessed my car. I asked them what did I need to do to get my car back and they told me that I could not pay what I owed and get the car back because it was a new lease and the only way I can get my car is to pay the total worth of the car which is around $ 52k or get my own financing. They gave me the address to the place where my car was taken and allowed me to go get my belongings from out of the car. I spoke to 2 supervisors and both of them told me that it was nothing they could do. I asked them why wasn't I informed that my payment was past due in writing she said you were by the monthly car note statement. I asked well you don't send out letters stating that the payment is late and she said no they do not. The only correspondence they send is the monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: BB&T CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX at about XXXX XXXX I made a debit card purchase of {$6.00} leaving a balance of {$0.00} in my checking account. Got email alert that my balance was low {$0.00} at about XXXX XXXX ... checked my balance around XXXX XXXX on XX/XX/XXXX the bank app had me overdrawned for a {$10.00} ACH and an overdraft fee of {$36.00} and a direct deposit of {$480.00}. 
I called the bank around noon on XX/XX/XXXX and spoke to a customer service rep who only said that the fees couldnt be reversed and that my accound was overdrawned on the 18th. I told the rep that if if was overdrawned on the 18th then why was I abled to make a debit card purchase using my pin on the 18th ... no reasonalbe respond, just that the fees could not be reversed. 
My complaint is simple ... .the banks are making money on its customers when they can charge a {$36.00} overdraft fee for a {$10.00} overdraft, the acount has a history of continuing bi-weekly direct deposits which had to be in their system on XX/XX/XXXX when the {$10.00} ACH came in so they knew that the money is or will be there credited to my account. This bank has a history of swindling its customers out of their money for excessive fees. 
The results Im looking for is the rescinded of the {$36.00} overdraft fee. 
thank you ....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Navient Solutions, LLC.
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:
In XX/XX/XXXX XXXX XXXX sent me alert that Navient placed 3 delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called Navient and set up a payment arrangement on 3 of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from Navient to call. At first he led me to believe he was going to get the 3 negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XX/XX/XXXX I applied for Forbearance with Navient and was approved. Navient led me to believe ALL of my loans were in forbearance, however XXXX XXXX advised me 3 of my private loans were n't looped into that forbearance. Navient never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of Navient never followed up with me, and I had to call him on XX/XX/XXXX to see what had happened. I was told when setting up the payment plan in XX/XX/XXXX to write a letter to Navient 's credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that Navient correct the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-21
Company: EQUIFAX, INC.
State: CO
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:
I had an auto loan with  XXXX   XXXX , the loan was paid off in full with no late payments. It is reporting as dismissed under bankruptcy with late payment after it was paid. I have called several times in attempts to correct this information on my report. I began calling in  XXXX  to get this resolved and as of today the information is still showing incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: CT
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:
A bankruptcy was added to my credit profile in XXXX of 2018 but never verified.

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 2020-11-13
Company: LendingPoint Holdings LLC
State: CT
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/2020 I received a call from a rep from Lending Point. The representative was calling for a payment. I advised I was experiencing hardship however I could make the payment on Friday ( XX/XX/2020 ) which was the end of this week. She stated if I wait until Friday it will report negative on my report and that I had to make a payment that day which was a Monday. 

I explained to her I didn't want any negative remarks on my credit therefore I paid with my credit card. A week later XX/XX/2020 I started to get alerts from my credit monitoring company that a late payment has been reported. 

I called the company and spoke to the supervisor ( XXXX XXXX ) on XX/XX/2020 at XXXX. She stated she would review the call and call me back. 

After waiting all day and didn't get a returned call, I called the company again at XXXX and requested to speak to XXXX . 

XXXX stated she did review the call and the representative did advise me it would not report on my credit file, she stated she would educate the representative however it was nothing she could do with updating my credit profile. 

This company misadvised me, took a payment and then reported negatively on my report and refuse to do anything about it. 

I am not sure what to do or where to go from here as this is very damaging on my report. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery has listed two negative accounts on my credit reports with monthly terms for accounts I have never owned. Portfolio Recovery has never sent me a dunning notice regarding these accounts and I have never entered into an agreement ( monthly or otherwise ) with them. 

Both accounts list XXXX XXXX XXXX XXXX  as the original creditor and I have never had accounts with that company either. Portfolio Recovery has also described themselves as a Factoring Company which they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've tried applying for a XXXX credit card and other credit cards as well. they each say that someone else 's name comes up under my ssn. Not really sure how or when this happened. I also have problems checking my credit. Every site, XXXX XXXX for ex., will not allow me to see my credit score due to whatever 's going on with my ssn. If you can't help with this can you please point me in the right direction to fix this problem? Thanks.

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