BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full XX/XX/XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee XX/XX/XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees XX/XX/XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: EQUIFAX, INC.
State: MD
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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I went online today X/XX/17 to review my loans and saw that my loans were in forbearance. My new income driven repayment was going to be going through, however no message was in my online inbox on the myfedloan.org website ( the letter came in after my forbearance had been applied ). I called and found out that despite my autopay and on-time payments my account had been put in to delinquency  forbearance and my interest had been capitalized. The agent did not understand how this happened, which is concerning, and reversed it. However, I am still yet to get any documentation about this interaction. I was not informed that the forbearance would be delinquency. It seems predatory to put me in delinquency while they arrange the administrative logistics of the IDR. I fear that had I not randomly checked the website my credit would be damaged and my interest would be capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I attempted to view my credit report by going to www.annualcreditreport.com and once again just like in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX ; I still can not view my Equifax and XXXX credit report. This is due to corporate greed ; a manipulative way to divert people from purchasing their credit reports on their site instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
They sent me a promotion offering XXXX dollars for the first XXXX spent during the first 3 months. XXXX XXXX called them up and the person I spoke with told me the card they issued me was a different card and I would not be getting the XXXX dollars on the promotion they mailed to 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 monetary relief
Consumer complaint received 2020-04-09
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX my XXXX year old daughter 's mother sent her money thru PayPal. She followed the link which allowed he to establish a profile with no age questions. The money was then unable to be accepted due to the inability for her to add a bank account ( because she dose not have on ). Now the money was unable to be used for her purchase and also unable to be refunded back to her mother. Using text messaging going back and forth for over two hours before being rectified. During this time my daughter ( XXXX yrs old ) was told many times she should have read the terms and agreements because she was not old enough to open an account. ( Yet they allowed her to do so ) Then repeatedly told she could not refund the money ( until she was crying ). So basically the money was at paypal, out of her mother 's account but not refundable or useable and it was her fault. After trying to add my account, which did not match her name and trying to add her custodial account, again not allowed! That money was sitting there, in limbo and not accessible. If this company is limiting by age, then why are they opening accounts for minors and allowing transfers? i became involved when I found out she was going to just let the money stay there because she was afraid she was going to get into trouble. ( for something they allowed ) ... My complaint? How many times and how much money are they scooping up this was? Why do they not have a proper refund option in place, why would they treat a child that way by not asking proper verifying questions, how many fraudulent and money laundering accounts are they facilitation? And on top of it all no phone number contact. I believe they should be looked into for circumventing financial institution laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute on XX/XX/2021 for atm cash not dispensed at a non-chase atm in the amount XXXX {$3900.00}, I reached out to chase and they stated they would do a investigation and it can take up to XXXX business days for a verdict. On XX/XX/2021 i received a notice in my app that my claim was denied and the reason was they stated " the transaction was processed according to the information you provided or was authorized ". On XX/XX/2021 I reached out to chase for documentation and to understand how they reviewed XXXX transactions in XXXX day and contacted the atm operator on my behalf which i have the right under XXXX XXXX and them being fdic insured, the first representative stated she did not understand why and forwarded to her supervisor by the name of XXXX, Speaking with XXXX she placed me on hold to review my account and she came back on the line and stated the backend claim team denied it because we cant prove you did not get the money, I asked for supporting documents thinking they reached out to the atm on my behalf but they never provided any supporting documents from the atm and made me conclude that they did not do an investigation and simply denied me because they did not want to do an investigation and to save them time and money which is unfair to me. I asked XXXX to review the charges again and to do a thorough investigation she refused and was not helpful or concerning when a customer is out of {$3900.00} and there was never even a investigation or reconciliation of the non chase atm. I do not get how you deny a claim on a atm that is not yours and you never reach out to the atm on my behalf or have any supporting documents, they basically said your lying and we do not care about you but never had any substantial evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Seterus, Inc.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company known as Seterus ( XXXX XXXX XXXX, XXXX, CT XXXX ) # XXXX is no longer supplying monthly billing information stating balance, interest, or escrow. They provided " coupons '' to pay monthly and you are required to " opt-out '' to get the details and I have done so but they have not provided me with any bill for the month of XXXX or XXXX. I called to request information and the running totals they provided stopped as of XXXX XXXX, 2015. The online system has stopped showing me past invoices as of XXXX, 2015. I did get a computer printout ( very hard to decipher ) of my payments until XXXX but only after I called. At this point, I 'm paying the bill because I just know it 's due but I have no invoice, no updated amounts due or no idea how things might change due to taxes/escrow/etc.. This is unacceptable and clearly violates the Dodd Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a conventional refinance on XXXX XXXX and were pre-approved that day, then paid to lock in the rate and spent hours uploading documents. My income comes from self-employment with over 20 years of history ; and my income had dropped more than 30 % from XXXX to XXXX because I had an unusually busy year in XXXX and then business declined due to the pandemic. Our income was still sufficient to qualify for refinancing - and my income increased substantially this year, documented by XXXX XXXX XXXX XXXX reporting and copies of bank statements showing client deposits for my services. We also have documented assets of more than 7 times the amount we sought to borrow. " Better '' underwriters decided to exclude my income totally, citing compliance with XXXX regulations. I contacted XXXX and learned that they provide guidelines, not regulations. Our credit rating has consistently been in the excellent range ; we have never missed a payment on anything and consistently prepay mortgage principal ; and when I requested a denial letter to send to XXXX, the " XXXX '' staff would not state that they excluded my income. I believe I am being discriminated against because I am self-employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: PHH Mortgage Services Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Gentlemen : This Company ( PHH XXXX, XXXX NJ XXXX ) has failed to provide me with a " Release of Liability '' upon a fee of {$900.00} which I paid on XX/XX/2014. Please advise. Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal limited my account last XXXX. It was supposed to be released after XXXX  days. That was in XX/XX/2021. They then stated it would be available in XX/XX/2021, to which it still was not. I'm very extremely frustrated at this point. They've held {$10000.00} for a year. This is breach of contract and I want and desperately need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: CITIBANK, N.A.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
We have been declined XXXX to XXXX times regarding the fraudulent transfer of funds through XXXX. I filed complaints through XXXX as well. The phone numbers are now all blocked on XXXX due to fraud. 
My bank fraud number last rejected is # XXXX. I have requested their documentation for the investigation, they have not provided the information. 

Here was the issues ; On XX/XX/2021, their was XXXX transactions which were fraudulent scam, the parties disguised themselves as XXXX, which they were not. The information is as follows that I received XXXX value from : XXXX. ( XXXX ) transactions in the amount of XXXX to XXXX XXXX XXXX phone number XXXX ) disguised as XXXX XXXX, totalling {$2100.00}. 

XXXX. ( XXXX ) transaction in the amount of {$660.00} to XXXX XXXX XXXX ( phone number XXXX ) disguised as XXXX REFUND Police report was filed immediately the same day with XXXX XXXX Police Department, where I live, the case is now with Detective XXXX. His investigation has turned up with many aliases to these scamming parties. The police Detective was also reached by the same scammers personally to get access to his accounts. I did not receive any products or anything from the transactions. 

FDIC reviewing a bankEvery fraud transaction is applicable to XXXX XXXX regardless of who pushes the button. 

Unauthorized Electronic Fund Transfers and Error Resolution, Question XXXX, electronic fund transfers ( EFTs ) initiated using account access information obtained through fraud or robbery fall within the Regulation 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
Consumer complaint received 2020-04-09
Company: Commonwealth Financial Systems, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never informed of the debt before my credit was hit. I was never sent documentation stating what the debt was. This company said they would mail me something. I never received it. I wasnt aware of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech has not sent all of my info to the company they sold out to my mom is deceased they didnt send the information over that I was over the account and the account is paid in full and the company is still adding illegal charges to the mortgage its illegal I can not even talk to the new company about my deeds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a debt collection company called CMRE Financial Services regarding an outstanding payment to XXXX of XXXX XXXX of dentistry for the amount of {$200.00}. I have never visited the dentist school and do not owe them any money. I called CMRE Financial Services at ( XXXX ) XXXX and they told me to file an identify theft report and send them a copy along with my driving license and SS number. I have also attempted to contact the dental school in question but have not received any response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: DISCOVER BANK
State: WV
Product: Credit card
Issue: Payoff process

Complaint:
Have been trying to ask them for help with consolidating or remedying my debt with them and every time I am refused any help at all. I get very mean and loud agents who insist I pay the entire amount up front to keep from having more issues with Discover Card. Some threatening me with insulting ways of paying the debt or just being stringent on not helping find a way to get my debt settled with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The Equifax and XXXX Credit have reported collection accounts that are inaccurate in their filings. The Entries : XXXX and XXXX are not mine. I have no knowledge, accountability or have authorized any action these creditors are claiming. I have disputed these inaccuracies to no avail. According to the laws of the FCRA I have the right to dispute inaccurate information with the right to have the credit report updated accordingly. I am requesting the CFPB advocate for me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My company had sent a wire from a business account on or about XX/XX/21 in the amount of {$4100.00} to JP Morgan Chase bank, commercial customer. The wire was sent with a typo in the account number, which we take responsibility for. The rest of the information was correct and accurate. Chase credited the funds to a recipient that did NOT match any of the information on the recipient details of said wire other than the account number. The sending financial institution reached out to chase multiple times immediately after this occurred with no response from chase other than : We are getting permission from our customer to debit the funds. Chase does not need the customer 's permission to debit said funds as they were credited erroneously to Chase 's customer. 

Chase was NEGLIGENT in not verifying a single piece of information on this wire and allowing it to flow through instead of rejecting same for a mismatch. This is a tremendous liability on XXXX issues as well as anti-money laundering checks. The fact that a wire can disappear to an unknown recipient 's bank, with no recourse is terrifying and Chase should be sanctioned for this and liable to return funds to the originating institution. 

Further, if for some reason Chase is not willing to do this or CFPB decides Chase is not liable, then, at a minimum, Chase must disclose the receiving party name, XXXX, address and phone number to the sending Financial Institution. Being that this recipient is committing acts of fraud by keeping said funds, in addition to unjust enrichment under civil law, Chase is duty bound to forward those details, so that we XXXX initiate suit in the relevant jurisdiction against said unknown recipient, which I fully intend to do. I am hoping someone at CFPB can get Chase to wisen up and act properly. 

Chase likely is short staffed and overworked which is why they let t things through without so much as a glance from a human in an effort to save costs, Well, there are costs to those they serve!

Company response to consumer: Closed with explanation