BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from XXXX, XXXX and XXXX credit monitoring that a new inquiry hit my credit report from JPMCB XXXX XXXX on XX/XX/2021. I did not make this inquiry and reported this as fraud to XXXX, XXXX and XXXX credit monitoring. All three monitoring services advised that the inquiry came from JPMCB XXXX XXXX/ XXXX / XXXX XXXX XXXX, XXXX, DE XXXX. Please assist. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-13
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
PayPal email : XXXX My account with PayPal was in good standing for several years, until it was suddenly closed by them with no explanation as to why. Initially I was told that I would receive my funds 180 days after they permanently limited my account, however this was a lie, as it has long surpassed 180 days and yet I have not received a penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased a prepaid visa gift card from XXXX before XXXX in XXXX of XXXX. I put {$200.00} on it to spend for XXXX. I registered the card at XXXX with my name and address. I spent {$63.00} online. When I went to make another purchase it wouldn't work. I saw that someone went in and hacked into my card account and re-registered it in their name. They spend the rest of my {$130.00} at XXXX and XXXX XXXX in XXXX. They re-registered the card in the name " XXXX. '' I have called this company at XXXX 5 times and they give me the runaround about the theft. The last time I called on XX/XX/XXXX at XXXX a customer service person by the name of XXXX helped me ( and my brother who had {$130.00} stolen by a hacker ) fill out a dispute form over the phone. She told me to call back in 5 days to find out the results of their investigation. 

I called again on XX/XX/XXXX at XXXX : XXXX and another person named XXXX said it would take up to 90 days for the investigation to be complete. She said they would then send me a letter to my address to inform me about the results. I asked to speak to a supervisor and she said there wasn't one and he would say the same thing. 

I told them the money was stolen within days of me purchasing the card and they can see on their end that someone re-registered the card in their name after I registered it in my name. I have the card and the person who didn't have the card was able to get in and re-register the card. This is frustrating because they won't refund the stolen money.

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 2022-07-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX, I saw a charge of {$260.00} from Midland Credit Management. I called Midland Credit Management and the person on the phone said a personal check had been written to XXXXXXXX XXXX on XX/XX/XXXX to purchase a XXXXXXXX XXXX  that was used for 6 years when payment on the card stopped. Previous balance on the XXXXXXXX XXXX statement is {$87.00}. The original account number from XXXXXXXX XXXX is XXXX. Date of charge off was XX/XX/XXXX. Current Servicer is Midland Credit Manageent , Inc. Date purchased XX/XX/XXXX. The letter from XXXXXXXX XXXX is addressed at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I have never had an account with XXXXXXXX XXXX and I never had a XXXX XXXX. This a fraud and identify theft. Thank you for our attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-24
Company: Experian Information Solutions Inc.
State: FL
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:
All my Student Loan Accounts are showing missed payments although they are all deferred, included in my Discharged Chapter XXXX and also states Excellent payment History.

These were included in my bankruptcy but are also deferred until XX/XX/2020. They are showing as missing a payment or delinquent and have been negatively reported. I contacted customer service and they told me they are not being reported as missing payments but they are as it shows 35 missed payments. I need to have these corrected with the correct notification as they should not be reported as missing any payments as no payments are due.

Also some of my accounts are reported as negative after my bankruptcy was filed and should be noted as included in bankruptcy and discharged.

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 2019-11-01
Company: The CBE Group, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I bought a prepaid gift card and I bought it at XXXX and loaded for {$120.00}. When I tried to activated it shows an invalid card so I called the XXXX number and they said that is was not activated and that XXXX charge me and sold me a peace of plastic. I went to XXXX and I called again from there, after a discussion between XXXX manager and a person from customer service who was talking with his supervisor at prepaid gift card. The supervisor finally agreed and authorized activating this card. I bought this card on XXXX XXXX. And tried to activated on Saturday XXXX XXXX. 

Then today XXXX XXXX i tried the make a purchase In the internet and I got a message of low balance. So I check the balance in their webpage and it showed my card was used at a dollar tree in Arizona when I live in XXXX nevada. 

I called prepaid gift card and they only agreed to file a dispute. And they said they will send me a fax which takes at least XXXX business hours and to send it back will take another XXXX hours. I do n't know if they send the fax on bus or what??. And the dispute department told me it will take at least 90 days to resolve if I 'm right. 

I do n't understand how could they play games with people. When I called on Saturday the XXXX, I had to be on the phone for more than an hour because they said they could not help me, until finally I got them to activated the card by the supervisor and supposedly fixed by the issue. 
Terrible customer support. Now I am without my money until who knows when if they are willing to help me. I do n't know what to do or go to the police or what?? 

I spoke with XXXX XXXX from disputes Please advice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company ICS Systems have called me several times looking for someone else. I have told me repeatedly to stop calling me and they have refused. They told me the call was recorded and I did not want it recorded. I also explained to them that legally they can not keep calling me. So now I will look to file a lawsuit against them if they continue to call my phone number. They are a collection agency and I owe them nothing

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 2022-07-25
Company: Experian Information Solutions 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:
How many letters and complaints do I have to submit to the Credit Bureaus for them to comply with the FCRA section 605b? Upon Reviewing an updated copy of my Credit reports, I was disappointed to see that the Credit Bureaus have done nothing and cotniued reporting the unverified information on my Credit Report. I previously complaint about the same issues and requested that the Credit Bureuas provide me with copies of documentation which bears my signature to support the Credit Bureaus claims that the Disputed Items belong to me. The Credit Bureaus were given by the FCRA ample amount of time and repsond to my Letters and yet they have to do so. I am submitting this complaint to protect my rights under the Fair Credit Reporting Act section 605b and correct my Credit Report from erroneous and fraudulent information. I need the following items removed from my Credit File immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00}

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 2016-01-15
Company: BB&T CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent the Branch Bank and Trust a payment of XXXX on the XXXX of XXXX 2016. The bank applied XXXX dollars to my loan and put the rest in there little hole. This is the XXXX time that this bank as done this to me. I filled out a complaint before but did not follow thru but I am going to follow this XXXX thru, the bank is stealing money my not applying the full amount to loan and holding it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Bread Financial Holdings, 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 been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
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 been a victim of identity theft and I have continued to reach out to XXXX and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a XXXX, and my crediti card was used by a former employee to pay his own bills. I have been fighting with XXXX XXXX XXXX since XX/XX/2016 about this. I have filed a Friendly Fraud Report with my local Police Dept. The CC Company will do nothing about it, even after providing them with numerous copies of paperwork.

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 2016-01-12
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Ocwen Financial Corporation
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a letter to the XXXX Credit Bureau XX/XX/2022 to update this suspicious information.This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. PHH MORT SVC 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 2016-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a loan on a double wide mobile home 30 years ago. The Bank of America never sent me a release at that time and now I am trying to get an original of the lien release for each side of this mobile home. The bank states that the originals were sent to the County of XXXX XXXX, who has nothing to do with mobile homes and they said they would have sent the paperwork back to the bank. I have tried since XX/XX/XXXX to get this resolved, phone calls, personal visits to the bank, etc. The only thing they have sent is a faxed copy which the Department of Housing will NOT accept to remove the legal owner as BofA. Your help in getting this resolved would be extremely appreciated as I have hit a dead end and have no where else to turn.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: CA
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:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 Experian / XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

DEPT OF ED/XXXX  XXXX and DEPT OF ED/XXXX  XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated.

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