BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: AMERICAN FINANCING CORPORATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My ex-landlord, XXXX is also an ex work peer and she is refusing to respond to a request for a VOR so that I can close on my mortgage. In spite of the fact that I never paid her late, she has threatened to report negatively and is purposely delaying completion of the VOR due to the fact that I refused to allow her to break our 6 month lease. She requested many times to break the lease and tried to intimidate, threaten and bully me over my refusal to break it. She is now jeopardizing the successful close of my transaction and my earnest money, appraisal fees, hoa condo doc fees, inspection fees, I have had to move my things into storage and find temporary housing all due to my refusal to let her break the 6 month lease because her boyfriend was constantly breaking up with her. I have proof that I paid her on time every month any time from the XXXX through the XXXX and she is also accusing me of never having paid on time. I need immediate assistance and am also having to retain an attorney now which is an additional expense. It is my understanding that in all real estate dealings, she should be operating in good faith as I have and can not threaten, harass, intimidate or retaliate against a tenant in any manner. On XXXX XXXX, my move out date, she also sent her fiancee to the rental to try to intimidate me. I have text messages from her that confirm my claims and apparently her previous tenant, XXXX XXXX was subjected to the same behavior. The lease was only from XXXX XXXX through XXXX XXXX and she asked me to move out no less than 4 times and I can prove at least XXXX of those times through texts and that I did actually attempt to accommodate her demand although I was not required to. The XXXX demand was on XXXX XXXX ; just over a month into the lease. She is definitely vindictively retaliating against me for not moving out per her demands. She had no cause to remove me and has never posted an eviction or claimed in writing or otherwise that she did not get her rent or I assure you, as desperate as she was to move back in, she would have filed an eviction notice. I desperately need assistance and I need to to provide an honest, accurate rental verification so that I can close. Thank you for your assistance. Please contact me at XXXX or XXXXXXXXXXXX or XXXXXXXXXXXX. XXXX XXXX is employed at American Financing LLC and her phone number is XXXX, work phone is XXXX. 
Please provide a portal access, fax or email address so that I can provide proof. Thank you. 
Thank you for your assistance. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Chase XXXX credit card account and was approved. I added XXXX additional authorized users and we received our cards in the mail in a timely manner. Upon receiving the cards we began to use them to pay bills. After about 5 days after we started using them the card charges were no longer authorized. When we inquired as to why, they said they had suspected some fraudulent activity on the account and would get back to us after the investigation. Being concerned that someone had gotten our card numbers, I call Chase and asked them to close the account and open a new XXXX for us and send us new cards. We did not hear back from Chase for about 10 days so we call them. After many calls we were finally directed to XXXX XXXX in Fraud operations. He said they were investigating the account for fraudulent activity. I asked him what kind of fraudulent activity and he said is was a report from an independent agency that Chase used to monitor credit card use. I explained that all of the charges on our account were ours and that there was no fraudulent activity from our end. I confirmed my address and SSN for him and he said he would get back to me. After waiting 5 more days, I called him. He did not answer and I left a message. I made XXXX more calls to XXXX XXXX and left a message each time. He never called back. XX/XX/XXXX I got a letter from XXXX XXXX saying that they were investigating possible fraudulent activity on my account and to please call him at my earliest convenience. I called him on and got a recorded message. I left him a message. I did not hear back the next day so I called and left another message. I did not get a call back from XXXX XXXX so I called Chase and asked to speak to his supervisor. After being on the line for 28 minutes I was given the number XXXX and was told that she was waiting for my call. I called her and left a message. I doubt I will hear back from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Paypal Holdings, Inc
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I received the following email from PayPal ... .. 
PayPal Hello XXXX XXXX : We 're emailing you because of a legal settlement between PayPal and the Consumer Financial Protection Bureau, a federal government agency that enforces laws that protect consumers. Under this settlement, you are entitled to a refund of {$4.00} related to your PayPal Credit account. On XXXX/XXXX/16 we credited this amount to your PayPal Account, plus an additional {$1.00} to cover any fee should you elect to withdraw this refund amount from your PayPal account via check. 

If you have any questions regarding the refund please contact PayPal Customer Service at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX Monday through Friday, or from XXXX XXXX to XXXX XXXX XXXX Time Saturday and Sunday. 

You can learn more about the Consumer Financial Protection Bureau at http : //www.consumerfinance.gov. You can also see a copy of the settlement agreement PayPal entered into on the Bureau 's website at http : XXXX. 
========================================================== The way I read it, I should get {$4.00} plus {$1.00} for a total of {$6.00}. 
What I received was {$3.00} plus {$1.00} for a total of {$4.00}. 
Is this in error? Did I read it wrong? Did they print it wrong? 
No biggie for me ... but, what about those who spent thousands???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was checking my credit score and credit report when i saw i had a {$500.00} credit limit on a card i never applied for in utah! Ive never lived in utah a day in my life!!!! There have been payments and an active card in my name for the last 4 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-08-06
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent is attempting to collect a debt that I do not owe. ThereforeConvergent has no legal right to attempt to collect any money from me. I have not ever authorized an account under the creditor that Convergent is attempting to collect for. Convergent has not validated this debt. Convergent is acting in a misleading manner and is in violation of the FDCPA..

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 2015-06-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Banana Republic Credit card, administered by Synchrony Bank. I 've had the card for a couple of years and maintained good standing / payments. The bank as recently informed its card holders that the APR is going up from -- and already high 23.99 % to 24.99 % for no apparent reason, effective XXXX/XXXX/15. The company simply explains this increase : " These changes are being made to align pricing across the Gap Inc. Credit Card program. '' It seems usurious for a bank to do this without any trigger. Perhaps it 's legal, but it seems unjust and plain greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, via the online system, I scheduled a payment in the amount of {$550.00}, which, with the regular automatic payment will suffice for the amount to satisfy the last month 's balance, with the date of XXXX. Somehow the system set the date as XXXX, and when I caught the error later, I called Customer Service, but as usual, they are clueless, and the Bankcard Issuer does not allow for higher up representatives to be contacted ( which is the reason that I simply file a complaint with the CFPB to in essence effect a contact such a representative ). 

So the payment went through the system, with the bank that the payment had been withdrawn upon to reject the payment attempt ( no side effect there ), but the Bankcard Issuer will not allow me to reschedule the payment to the originally desired day- it seems to be forcing me to not make enough of a payment so as to avoid interest charge. 

On a side note, I was told by Customer Service that the Bankcard Issuer will not charge a fee for the payment being NSF ( or whatever it is called ), so that would seem to not be a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: LendingPoint Holdings LLC
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I use XXXX XXXX to monitor my credit. I know that one of their partners is Lending Point. I see the ads all the time when Im checking my credit score/report. Today I received a credit score disclosure from Lending Point in my email. I didnt no apply for any of their products. I didnt not authorize XXXX XXXX to share my info and Im concerned that a loan was applied for with my personal information. I do not have a new inquiry on my report, but I have no way to contact either company to verify that no loan was taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was a cosigner on a vehicle lease. Apparently the lease vehicle was returned by the person who was leasing the vehicle and a payment plan was set up with Ford Motor Company credit to pay the difference. I was never informed that this action was taking place or that there was any danger of a collection account showing up on my credit report. As a cosigner I was given no opportunity to intervene prior to this being reported to the credit agency. Further I was never notified that this was reported to the Credit Agencies. According to the person that I co-signed with Ford Motor Company gave the impression that no credit action will be taken so long as payments are made on time per their monthly payment agreement. Therefore the person whom I co-signed for felt that there was no issue to worry about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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: Account status incorrect

Complaint:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my XXXX attempt to get this matter resolved. I've submitted XXXX previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. XXXX has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX/TransUnion. This XXXX account was reported Late.They have failed to fix the account. I need this account updated from my report ASAP. Here is the name of the data furnisher & the account information- XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00} XXXX  XXXX Date opened XX/XX/2006 Balance {$100000.00}

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 2022-05-17
Company: General Motors Financial Company, Inc.
State: NJ
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:
XXXX XXXX XXXXXXXX XXXX GMFINANCIAL XX/XX/22 RE. We have disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I. C. Systems , Inc. has place a derogatory report on my credit files without proper communication or documented proof of their claim prior to their actions as stated by law. I am currently seeking legal counsel to prove their actions are unwarranted. 

Specifically, I. C. Systems , Inc. is claiming a debt of {$340.00} to which I am pursuing information to determine the basis for their actions. A call to I. C. Systems, Inc. office number as listed on the internet received no answer. 

After reviewing my credit report I see I. C. Systems, Inc. is listed as a collection account opened on XXXX/XXXX/2016 and closed with a balance due of {$340.00} with XXXX XXXX which I have not had service with in over 7 years and I do not have any agreement or contract in writing or otherwise with I.C. Systems, Inc. for this account which is listed as past due as of XXXX 2016. A collection agency obviously can not extend credit to a consumer. 

Furthermore, the State of Georgia debt collection laws states that the statute of limitation on debt is 4 to 6 years depending on the type of debt ( Ga. Code XXXX ) from the date the last payment made. 

I have been informed that legally, creditors must inform consumers that they are pursuing collection of " legal debt '' and provide amounts and dates to prove their claim. I. C. Systems , Inc. have not had any communication with me prior to placing this debt on the XXXX credit reporting bureaus.

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 2015-11-13
Company: Flagstar Bank, N.A.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
These acoounts am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some accounts is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me, I dont rememberi have a legal obligation on these accounts. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the following accounts listed below be removed. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$23000.00} Bankruptcy chapter XXXX XXXX XXXX XXXX  FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX Bankruptcy chapter XXXX XXXX XXXX XXXX FL XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  - XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX XXXX ) Balance {$23000.00} XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$23000.00} Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX Chapter XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Paypal continued to charge my credit card for various services after I cancelled the services directly with the vendors. Then when I submitted a complaint, they froze my account ... ..which makes me unable to unlink credit card and bank accounts from them, and does n't allow me to close my account. It only allows me to continue to pay for Paypal services. After all was said and done, they said they were unable to issue me a refund because I had a preauthorized debit agreement for the third party services. This completely contradicts their Paypal Buyer Protection policies. They never even asked for documentation of my communications with the third party companies that they were crediting my money to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: Gatestone & Co. International Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief