BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS. 

SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department. 

Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Chase continuously charges a late fee on its Freedom VISA card ( Acct # XXXX ), despite the fact that bills are paid directly from a Chase checking account and are suppose to be credited the same day. It was due on XXXX XXXX and was paid electronically on XXXX XXXX. Yet XXXX XXXX was still charged a {$25.00} late fee, as he has been many times previously because of the deceptive, unfair and abusive practices of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked repeatedly for them to stop calling and take my number off their list. They need all my info including my name to do this. Would not give it to them. Still calling. I pay for my minutes and they refuse to stop. Help ... ... .This is Portfolio recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.

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 2022-06-05
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2016-08-27
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a dispute with PayPal. As you know, according to PayPal rules, I am not allowed to go to court, and must arbitrate any dispute. So, as required by the PayPal Rules, I submitted a " Demand for Arbitration '' to the XXXX describing my dispute with PayPal, including all required information. Much to my surprise, instead of a dispute resolution process, the XXXX sent both myself and PayPal a letter, saying that the XXXX could only begin the arbitration if both parties provided written consent ( because the PayPal rules do not correctly appoint the XXXX as the administering agency for the arbitration, so the XXXX required a separate consent ). I immediately submitted my written consent. But PayPal REFUSED. Thus, the PayPal rules say that I must arbitrate all disputes with PayPal with the XXXX, but when I tried to submit my dispute to XXXX arbitration, PayPal refused to use the organization their rules call for! Now I have no recourse at all, I am not allowed to go to court, and PayPal refuses to arbitrate in the manner proscribed by their own rules. This is truly outrageous conduct by PayPal, they clearly are just trying to avoid any dispute resolution process. I will attach a copy of the XXXX letter to this complaint if this system permits. Please force PayPal to follow their own rules and arbitrate my claim in the manner their own rules require. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
There is a USAA credit card loan and balance on my credit report that is not me. I filed a report With USAA and XXXX for fraud and identity theft. I contacted USAA on XX/XX/2022. I contacted XXXX a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not XXXX of my addresses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was being called on my mobile number as early as XXXX after telling them numerous times to stop. I notified them verbally on at least XXXX occasions and the calls did not stop. They were making up to XXXX calls per day. I was told that it was an auto-dialer and they had no control over it. 
After I retained an attorney to sue them, they escalated their efforts to keep me current on my auto loan payments and continued to make phone calls even after the attorney notified them. If I fell behind at all, they notified me of default. I have always made the payments, but have regularly been 30-60 days behind. In XXXX of 2015 they initiated a repossession. I was able to make full payment at that time but have since been late making subsequent payments. After I retained the attorney and he notified them of the law suit, they stopped calling me but continued to send statements by mail. On XXXX morning, my car was repossessed. I am behind XXXX payments. I was not notified by certified mail as required by law. The tow operator trespassed onto my property and pushed my vehicle into the street and then towed it away. The local police were not notified and the tow operator made quite a scene banging on my door multiple times at XXXX and pushing my car into the street in a quiet residential area on a holiday. The practices overall of this company are shameful. I understand that I was late on my payments, but has ALWAYS been late on my payments. Why this would make XXXX XXXX 2015 any different is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
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:
I started the dispute process on XX/XX/22 and I have not received updated and the problem have not been fix.

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 2022-06-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
APPLE CARD MARKETING SCAM. Apple Card XXXX ( i.e. Goldman Sachs ) has incorrectly advertised how Apple Store Installments are utilized within your Apple Card balance & all payments that you make towards your " installment '' product purchases will NOT go towards the balance of the installments- but rather, Apple creates a fake " credit '' on your account - therefor keeping the balance high on your card. Also... Goldman Sachs & Apple are NOT the same team. They don't talk to each other and look at completely different systems in troubleshooting any issues you may have with your " Apple '' Card.

Apple Card 's whole marketing lure is that if you apply for the Apple Card you'll qualify for 12 or 24 month 0 % Interest. However, what they don't tell you is that when the purchase is made within an XXXX XXXX, the XXXX XXXX Employee MUST choose installments before finalizing the purchase... otherwise, the product won't qualify for the 12 or 24 month 0 % interest program. Most employees, store managers and even Apple Card remote representatives are unaware of this purchase qualifying process. So if you're like me, you have {$9000.00} in purchases that were incorrectly allocated- and re-allocating them into a 0 % interest program is virtually impossible. 

Now ... when the purchase is finalized, there is no way within the XXXX XXXX to go back and re-allocate the product into a 0 % installment plan. How do I know this? Because Apple 's " backend team '' has been trying to re-purchase my product virtually to re-allocate the XXXX XXXX I purchased with my Apple Card into a 0 % installment plan. But because Apple doesn't speak with Goldman Sachs, it's flagging Goldman Sachs Fraud Department. So now Goldman Sachs has locked my card preventing any other product purchases because of what APPLE is doing. 

Now for the worst part... If you have any products allocated as " installment plan '' purchases with Apple ( i.e. XXXX XXXX for 24 Months 0 % Interest ), any future payments you make WILL NOT go towards the balance of the Installments. Apple ( or Goldman Sachs ) has decided that you'll get a " credit '' on your Credit Card. Basically, no matter how much you pay towards the balance of your credit card, it will not bring the balance of the card down. This keeps a high balance on your " credit card '' and reports as such to all the bureau 's as such. Conveniently, Apple doesn't report the " credit '' they've placed on your card to the bureau 's - therefor greatly affecting your credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Navient Solutions, LLC.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: FC HoldCo LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.

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 2016-05-02
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
JP Recovery Services has sent me a letter attempting to collect a medical bill for allegedly {$70.00} for XXXX XXXX. I do not owe this amount and the debt is not valid. Insurance coverage does not require a copay for these visits. This is incorrectly billed to me. Furthermore, the XXXX XXXX misdiagnosed a medical condition from XXXX XXXX thru XXXX XXXX. The malpractice has resulted in : - Visits that do not require copay ( but I was billed incorrectly for ) - XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

At the time the account was established in XXXX and XXXX I was only XXXX years old and didn't have any knowledge on how to open a bank account. My identity was stolen at the time and this issue needs to be resolved.

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 2022-06-05
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose.

Again, attempted to communicate with the company and was provided a very generic response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response

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 2022-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M HAVING ISSUES GETTING THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Weinberg Mediation Group LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XX/XX/2017 at XXXX XXXX with Weinberg Mediation group left a threating voice mail message with a false case number and threat to sue 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 2022-06-05
Company: Williams & Fudge, Inc
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Contacting me at absurd times of the day and continuously call during my work hours. No letter sent to me from them regarding my debts & originally debtor did not contact me in any effort to resolve this debt. I had auto payments and changed banks- I was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose.

Again, attempted to communicate with the company and was provided a very generic response

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 2016-04-25
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been behind in my mortgage 2 - 3 months on occasion due to lack of income. I have several times requested loss mitigation help. I just need to have 1 or 2 payments deferred to the end of the loan so I can get caught up with my loan payments. They will not help me. I 'm not sure why they would not help me and just want me to continue to be behind instead of deferring the payments. WHY would they want me to continue to struggle and be behind? I need help and hope you can help me to get back on track with my mortgage payment. 

Thank you XXXX XXXX

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