BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020, in order to purchase the property XXXX XXXX XXXX XXXX XXXX NY, I borrowed {$490000.00} from the XXXX XXXX who then sold it to Shellpoint on XX/XX/2020. ( I paid the loan down by {$300000.00} in XXXX, thus leaving a balance of {$190000.00}. ) I borrowed the money from XXXX as a representative of my company The XXXX XXXX XXXX  Shellpoint changed the mortgagor from The XXXX XXXX XXXX to mortgagor XXXX XXXX ( me ). I have since applied to XXXX XXXX  to refinance as my loan currently has a 9.5 % interest rate. Also, please note I obtained insurance on the property from day one which included hazard insurance. Shellpoint keeps insisting I dont have hazard insurance because the insurance is in The XXXX XXXX XXXX and the loan is now in the name of XXXX XXXX XXXX was it even legal for them to just change the name ). Because of this they have increased the payoff amount to XXXX XXXX by {$2900.00} as a charge for hazard insurance which I have always had and proved to them. They wont change the payoff amount. Please help. I feel like they are trying to extort me for {$2900.00}. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
As per my attached diagram, I have shown that Amazon is showing misleading reviews in order to lure customers into a false sense of security about the Amazon Prime Rewards Visa credit card, issued by Chase Bank. 

1. The percentages of the reviews add up to 101 % - this does not make sense mathematically.

2. Amazon proudly displays the fact that they do not display actual averages. It does not indicate how the " top reviews '' are rated or how they " become '' the top review. 

3. The top review for the United States is in XXXX. 

I do not speak XXXX. At no point have I indicated to Amazon or Chase that I speak XXXX. This is not a browser location mistake - the review indicates that it was created in the United States. 

How can the top review for the United States be in XXXX? This doesn't make sense, based on the amount of reviews this card has, and the amount of reviews that are in English. If this review became the top review simply by being " liked '' then why are so many people in the USA liking a review they most likely can't read? 

4. The XXXX  review has multiple signs of being fake. I previously worked as a XXXX XXXX XXXX  XXXX  XXXX XXXX  and XXXX XXXX, with a XXXX XXXX XXXX  XXXX XXXX. I am also a XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. And yes, I can prove this. 

Here are the basic signs that show this review is most likely fake, or was non-organically " boosted '' : 4a. The review is supposedly top in the USA but it's in XXXX. That's an automatic red flag. 

4b. The review is only 4 words. Bots and fake/paid accounts usually leave short reviews/posts in large amounts. I call this the " maybe one won't get taken down '' method. 

4c. The review doesn't actually say anything useful. At all. Obviously XXXX isn't a scholarly translator, but it's painfully obvious that this review contains no useful information. In my profession, we call large injections of useless information " spam. '' As a professional, I would absolutely flag this as spam on my websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CCS Financial Services, Inc.
State: SC
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 called CCS 3 times trying to pay my bill and get a deletion email and they refuse to send me a email. So I just want something stating why the cant if Im paying my money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
We used our Home Depot Credit card last XXXX to purchase a washer and drier with 0 % interest for 18 months ( XXXX ). Have made all our payments and Home Depot randomly changed to 6 months and charged us back interest.

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 2019-03-26
Company: Experian Information Solutions Inc.
State: GA
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 have reached out to All 3 credit bureaus and no one seem to resolve the issue with the inquired on my credit reports. I havent ran my credit and need these removed in order to purchase a home in the near future.

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 2021-07-19
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was using PayPal to pay for a pair a sneakers the company told me after I paid that because I noted the type of shoe I was using the money for, they told me they needed to refund my money I have made a claim with PayPal I have called PayPal and I have emailed the company PayPal has still done nothing but put my claim under review and the company is saying they cant send my refund because PayPal hadnt allowed them to send refunds yet. I have all the emails and text messages between myself and the company and it all seems like they are selling shoes but just getting the money and now they are just holding my money and not refunding it to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: URS Holding, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I stopped receiving notifications regarding the amount owed by company. Debt was transferred to another creditor. Over the past several months, payments were sent but no acknowledgment was submitted. Please assist in resolving. Thanks. 
PS Money Orders were sent XX/XX/XXXX ref XXXX XXXX, XX/XX/XXXX ref XXXX XXXX, and XX/XX/XXXX ref XXXX XXXX. The first 2 are from XXXX XXXX XXXX and the last is from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This medical debt that Account Service Collection Agency has been reaged. This debt occurred in XX/XX/2011 and was paid years ago. The debt has been reaged and the collection agency is unable to provide the original documentation of when the debt occurred and actual charges that were assessed. There are 4 accounts and 3 of them are charged multiple times ( 3 for XXXX dollars ). There were only two initial charges which was XXXX and XXXX dollars which were paid.

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 2021-03-05
Company: Bridgecrest Acceptance Corporation
State: SC
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 advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
Equifax Credit Reporting ( File # XXXX ) continues to reinsert information known to be incorrect and previously removed. In fact, Equifax Office of Consumer Affairs XXXX XXXX XXXX XXXX GA XXXX, Sr. Consumer Relations Specialist XXXX XXXX XXXX alongside other representative Sr Representatives have committed fraud by making false statements of correction to both the State of Maryland Division of Financial Regulation ( XXXX XXXXXXXX XXXX and Consumer Financial Protection Bureau dating back to XXXX. 

XX/XX/XXXX XXXX XXXX of the Equifax Office of Consumer Affairs wrote correspondence to XXXX XXXX stating a disputed file for XXXX  XXXX ending in XXXX and XXXX have been removed and not currently reporting within my credit file. This account has now been reinserted with know to be fraudulent information asserting the first missed payment being XX/XX/XXXX. 

In referencing Confirmation # XXXX, the continued claim of correction by Equifax the Creditor XXXX XXXX XXXX XXXX, unlawfully negatively reinsertion is a practiced targeted correlated attack on consumers. Equifax then blocks consumers from retrieving their reports and maintaining correctness virtual, in an effort to harm the consumer. Equifax has placed a block on my credit file alongside an extended fraud alert without the consumer 's ( XXXX XXXX ) request or consent. 

I faxed and mailed correction, without response, to Equifax and the creditor XXXX XXXX XXXX XXXX referencing the aforementioned error and demanding immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: BARCLAYS BANK DELAWARE
State: MA
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 purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.

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 2021-07-19
Company: EQUIFAX, INC.
State: MS
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:
On XXXX XX/XX/2021 XXXX, I mailed a letter to the credit bureaus to remove inquiries I didn't authorize. My credit profile is affected by these penalties. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. On XX/XX/2018I sent the major CRA 's my dispute which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the fraudulent accounts with fraudulent charges on them, Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Experian Information Solutions Inc.
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:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.

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 2021-05-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: SYNCHRONY FINANCIAL
State: NJ
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:
I was charged a fee for credit protection from Synchrony bank although I never applied or sign for this option.

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 2019-03-26
Company: NAVY FEDERAL CREDIT UNION
State: PA
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 checked my credit and saw the Navy federal balance of {$580.00} that's reporting negative from a credit building card to help me since i'm a young student. I would like to pay the balance and reopen the account. I was facing student hardship and was in between jobs. I am young and trying to be a responsible spender but its hard when you have limited job skills because college doesn't teach you skills to get a job you a job during and/or after ; it keeps you unemployed more often than not. In trying to better myself by attending college while i was barely making do, I had to miss meals as well to make sure my light bill and rent was paid, resulting in being delinquent on my credit card. However, I have since gotten a new job with better pay. I want to right my wrongs, and i would like Navy Federal to reconsider and understand. Im sure everyone who is in a deciding position remembers being the hungry student in college trying to make do with your PT job and financial aide. If i don't take care of this now, it will affect me negatively for years and i won't be able to get a job within my major, which was Finance. You can not have bad credit when trying to work in a banking environment. Im also currently enrolled to get my XXXX XXXX XXXX so that i can advance into XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid off my loan on Wednesday XX/XX/18. The company refuses to take the final amount out of my checking account. I contacted the company through email multiple times to find out why there is a delay and they keep instructing me to call them. I called and no one can give me an answer on my loan. I believe they are going to resume withdrawing money from my checking account biweekly, instead of completing the payoff.

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 2021-05-06
Company: LEXISNEXIS
State: MI
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:
Bankruptcy courts do not report to your credit report I froze my credit I sent information and the bankruptcy need to be removed I also sent my address my name my Social Security card my birthday they still are reporting other names of the addresses it need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Department of Education Navient claims that I was late 1 payment in XX/XX/XXXX and Late one payment in XXXX of XXXX, late 1 payment in XX/XX/XXXX and late 6 payments in XXXX from XXXX to XXXX. This is not accurate. I should be current for all the months as this account is in deferment. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on ( Provide Date ). They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation