BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-21
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My household income decreased in XX/XX/XXXX. As a result, I fell behind on mortgage payments beginning XX/XX/XXXX. I began working with the XXXX XXXX in XX/XX/XXXX for mediation in efforts to get a loan modification and continue with mortgage payments. All requested paperwork required for the mediation review was submitted to the lender ( Loan Depot ) through the XXXX XXXX  multiple times. Loan Depot would respond requesting updated paperwork after 1 month had passed. XX/XX/XXXX I attended mediation with the XXXX County court leaving with the understanding I would receive a plan from the mortgage company within 30 days. XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX again requesting new pay stubs, new hardship letter, copies of all bills, copies of bank statements, a new uniform borrowers assistance form and another copy of my husbands drivers license. All of these documents have been submitted 3-4 times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX of 2022 A representative from American Express XXXXadvanced collection mitigation unit collection called to discuss my account. I explained I lost my business, my father passed away, my identity had been stolen, and did not have the income to make full payments. She empathized whit me and offered an option to keep my account in good standing, relieving the interest, and removing late charges. We agreed on a monthly payment of {$160.00} for both accounts, and in turn, my account would not be reported as delinquent. She proceeded to set my bank account number up for the autopsautopay and charged me the initial fee to activate the relief account. 

American Express has failed to update the information to the credit bureaus and instead has reported my account as delinquent, they continue to charge interest and late fees. They are taking XXXX per month for each card instead of the agreed-upon XXXX for both accounts. I have spoken to several representatives, and supervisors and they refuse to refund my money and refuse to honor the initial agreement. This month they took the money I had for groceries and sent me into an overdraft. I was only expecting a XXXX dollar charge and instead, they took that money 2 times again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX I balled Bank of America because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX 7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.

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 2016-09-20
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NY
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 violate my rights. 
15 USC 1681 section602 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 credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5900.00}, {$0.00}, {$1600.00}, {$820.00}, {$4000.00}, {$0.00}, {$0.00}, {$8600.00}, {$5000.00}, {$6800.00}, {$670.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

5. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 7. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: EQUIFAX, INC.
State: CO
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:
Hello, back in XXXX of 2022 I filed a dispute against inquiries listed on my credit report. I asked Equifax to verify the items on my credit report for accuracy several times, and they continue to verify the items on my report as accurate. I then asked XXXX to give me documentation on how they " verified '' the information as accurate in under 48 hours ( let alone 30 days ), and they did not. This is a Violation of my rights. 


So I'm writing you to investigate the following actions of Equifax for the following items and reasons : CREDIT INFORMATION XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXXXXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report! 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX, XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

XXXX XXXX XXXX REASON : I DID NOT AUTHORIZE THIS COMPANY TO VIEW MY CREDIT REPORT. Please delete this from my report. 

15 U.S.C 1681 section 602 A. States I have a 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. Please delete these unauthorized entries from my report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: Progressive Financial Services, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
To whom it may concern, My pay has been garnished three times by XXXX different debt collectors. The first 2-garnishment money was never applied to the loan. I made payments for 2 years from XXXX to XXXX of XXXX dollars. It was never applied to my loan and in XXXX I lost my job and could n't pay any more. My original loan amount was XXXX dollars approximately. When I got in position to make payments again the SL people wanted XXXX at once or they would garnish 25 % of my pay in about XXXX. This went on for years up to beginning of XXXX. I could n't pay because they kept saying the wanted the total loan amount and adding the interest to the principal and calling it the new principal never crediting the money paid or taken. I would have made the payments agreed on 25 years ago and paid it off. I could n't afford to keep paying them and not have the payments applied. So by adding XXXX dollars in fees and upping the principal by adding interest to it the total amount they wanted in XXXX was XXXX plus. Since then they have garnished XXXX dollars out of my pay. They waiting to steel my tax return next. If you can help I would like to have the total reduced, the loan taken out of garnishment and go back to the payments agreed on 36 years ago. They are using the fact that they are a government agency to steel false loan amounts. 

Thank you for your time, 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 2022-10-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a business checking account at JPMorgan Chase bank, there is an unauthorized cash withdrawal that happened on XX/XX/2022, the perpetrator withdraw {$5000.00} cash from my business checking account.Already Notify the locate chase brand ( XXXX XXXX XXXX, XXXX, NY XXXX ) regarding this matter. Based on the withdrawal slip Image I download from my Chase Moblie APP, it wasn't my signature on the withdrawal slip, and I have my ID, and Business Debt card with me all the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-16
Company: JPMORGAN CHASE & CO.
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: Problem with rewards from credit card

Complaint:
On XX/XX/2021 I transferred XXXX points from my Chase XXXX Rewards account to my XXXX XXXX account in order to book a reservation. Due to COVID restrictions in the area this reservation needs to be cancelled. 

On XX/XX/2021 I contacted Chase to have the points returned to my Chase account but they state that they are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I WENT TO USE MY CREDIT CARD AT SEARS AND THEY CUT THEM UP BELITTLING ME,. AFTER OVER 50 YEARS OF GOOD CREDIT THEY CUT EM UP IN FRONT OF ME BECAUSE I DIDNT USE THEM FOR A WHILE, PAID CASH. THAT IS HOW THEY TREAT A OLD VALUABLE CUSTOMER! I WILL NEVER SHOP ANY OF THEIR STORES OR AFFILIATES AGAIN.

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 2022-10-14
Company: EQUIFAX, INC.
State: TX
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 sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all reports sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Curtwright & Klein, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit " XXXX '' or call XXXX to speak to a representative. I hit " XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX, which is a spoofed phone number. XXXX the XXXX number shows it 's a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Accurate Background
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Accurate Background, LLC provided a consumer report with my XXXX  information that incorrect causing me to be denied a job. I called and explained to the company that the information they furnished was incorrect and they assured me that the background was fine and everything came back great. I was later emailed a copy of the report that stated my personal license was invalid in the XXXX section which is untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: Reliant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX I was in a auto accident. My finance company at the time was Gold Acceptance. Gold Acceptance never sent out a claims adjuster to look at the vehicle nor did they come to the residence and repo the car. The car was left at the repair shop never to be repaired or repossessed. Since then I have had nothing but trouble from this company in trying to resolve this matter. On my credit report this company is reporting an inaccurate account date and account balance as of XX/XX/XXXX, when this account was charged off in XXXX. Please remove this account off my credit report. I am unable to get a new line of credit, or purchase a new home. This has been hurting my credit score tremendously please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Plutos Sama, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Pay Pal refuse to REINVESTIGATE THE CHARGE of an XXXX ride, I did not request PAYPAL refuse TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE DATE OF RIDE AND CHARGE XX/XX/2020 FOR {$9.00} I FILED A REPEAT DISPUTE ABOUT AN XXXX CHARGE DEMANDING THAT PAYPAL TO REOPEN THE CASE AND REINVESTIGATE THE CHARGE. I ASK THIS NO GOOD PAYPAL COMPANY TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE OF THE RIDE WHO ORDER THE RIDE WHER THE PICK UP AND DROP OFF WAS. THE CALL ALWAYS GET ROUTED TO SOME FOREIGNER CUSTOMER SERVICE AFTER WAITING FOR 3 TO 4 HOURS WAIT TO SPEAK TO A LIVE PERSON. I WARNED THESE PEOPLE WORKING FOR PAYPAL, THAT I DID NOT MAKE ANY XXXX RIDE REQUEST BY ME OR ANY MEMEBR OF MY FAMILY. I DO NOT EVEN HAVE AN XXXX APP, THE LAST TIME I ORDERED A RIDE WITH THEM WAS OVER TWO YEARS AGO. JUST HAVING HAD AN AGREEMENT WITH XXXX IN THE PAST DOES NOT MEAN THIS TRIP WAS REQUESTED BY ME. I NEED ANSWERS WHAT THE XXXX THEY MEAN THERE WAS NO UNAUTHORIZED USE????????? HOW CAN PAL TELL ME THAT WHEN I REPEATEDLY INFORMED THEM I HAD NOT HAD ANY XXXX XXXX REQUEST. THERE WAS A CHARGE ON MY BANK FROM XXXX, AND I DID NOT REQUEST ANY TRIP. PAYPAL RECEIVE TO PROVIDE ME WITH ANY DETAIL RECEIVED FROM XXXX THAT WOULD JUSTIFY THE CHARGE. PAYPAL THINK MY EFFORT TO FIND ANSWERS IS NOT AS IMPORTANT, THIS IS NOT ABOUT GETTING A STUPID REFUND THIS IS ABOUT MY FEAR WHO HAS ACCESS TO MY PAYPAL ACCOUNT. AND PAY PAL SHOWED NO REGARDS ABOUT THIS FOUNDED CONCERN

Company response to consumer: Closed with explanation