BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-22
Company: Paypal Holdings, Inc
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I use paypal for several years and reciently was given an option to make " paypal '' credit my default payment option. When I did this, about a week later I got a call from my bank saying I was over drawn upward of XXXX+ $! This was overdraft and nsf fees included. I called paypal and was basically told that I should have known I could n't use paypal credit as my XXXX funding source and they refused to fix the issue. I called my bank and they say said unless paypal admitted fault they couldnt refund the fees. I went back and fourth for almost 2 weeks and by this time my bank account was nearly XXXX dollars in the negative! I spoke to a manager at pay pal again and he basically told me in no uncertain terms that it was not his problem that I was n idiot and did n't know how to read fine print. I took a screen shot of the page where I checked the box asking if I wanted my ppcredit or my bank to be my XXXX source of funding, and nowhere on that page, in any fine print does it say that my bank would remain my XXXX funding source. Now I have payed my bank back out of my own pocked ( technically paid for services XXXX ) and now paypal is demanding I pay them over XXXX dollars because my bank requested back the money taken out, which they have yet to return. I truly feel this huge corporation which I used to be completely fond of and found extremely convenient has gotten too big for their britches and has gone from a caring consumer driven company to an unethical money hungry company who could care less if they lose one little peon like me. 

Saddened and still in the Negative, 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 2015-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I submitted an identical complaint against Chase in XXXX 2015 for unauthorized interest charges and after your involvment they resolved it. The Case number was : XXXX. However, Chase has done the same unlawful act of charging interest after receving payment. 

I had a {$5400.00} statement balance, which was due on XXXX XXXX on XXXX XXXX I had made payments totaling {$5100.00}. I was blocked from making the final {$310.00} payment by a 24 hour payment lock and I am willing to pay interest on that, but not on a {$5000.00} balance that was paid. 

I reached out to Chase to resolve the issue without CFPB 's involvement, but my request denied without any explanation. 

I am an XXXX # XXXX and now that they have done this a second time I am considering filing a unlawful business practices lawsuit under Business & Professions Code XXXX et seq. 

I also think Chase is engaging in this kind of behavior routinely of false interest charges and needs to be kept on a tighter leash. All documentation showing the payments were made is attached. The total interest charged was {$61.00} based on the {$5000.00} balance, which was paid. There was a {$310.00} balance on my statement and I was willing to pay the approximately {$5.00} on that, but now that Chase has made me to go to CFPB again for bogus charges I would like to pay no interest. 

More importantly other consumers need to be protected from these type of unlawful charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
So I am told I owe XXXX a month in interest. Last month I paid {$600.00} I made zero progress to pay down. The payments I sent in take 2 even 3 weeks commonly to be processed. Every Friday I get paid and every Friday I put a money order out. They will not take debit online or on the phone and I will not give my banking routing numbers out online with them then having rights to put holds and auto billing in place. I send out money orders with other bills and every other bill clears in a few days, 3 weeks later Navient has still not yet processed the payment. Allowing the interest to build and build and build and so when I pay XXXX in a month that has XXXX a month in interest that end of the month I still am at XXXX balance as I was at the start. How at 6.8 am I paying nearing double the interest for a month am I seeing no progress. Simple take 2 or 3 weeks to process a payment so the interest just grows faster and I never make progress forward as I shell out more to this bill a month to all bills but my rent at present which its approaching. 

I will never pay off the balance even at vastly more then the interest by how they are delaying processing the payments sent in!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.

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 2018-06-29
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:
This is the FIFTH OR SIXTH time I have tried to fix this issue with Transunion so I have decided to get lawyers involved, there is a fraudulent account with XXXX XXXX XXXX that all the other credit agencys deleted except for Transunion XXXX. This Data furnisher has been in violation of the FCRA 2009 ( a ) which states a Data furnisher MUST delete an account that has been reported to authorities and has proper identification to prove it ( which I have provided numerous times ) WITHIN 4 BUISNESS DAYS, ITS BEEN 4 MONTHS. I have reported the data furnisher to the Attorney Generals office - XXXX XXXX due to Transunion negligence. They are in violation of the Fair credit report act 2009 ( a ), which is a FEDERAL LAW. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " Last time Transunion XXXX, responded TransUnion has declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) TransUnion has reason to determine that you have requested the block in error ; b ) TransUnion has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) TransUnion has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue. Let me repeat this, 1 ) I DID NOT REQUEST THE BLOCK IN ERROR. 2 ) Transunion IS FALSELY ACCUSING ME of misrepresentation of facts, to a known identity theft victim. 3 ) I DID NOT RECEIVE ANYTHING FROM THIS FAUDULENT ACCOUNT. I have referred this to the office of the Attorney General of California - XXXX XXXX, and the XXXX XXXX - XXXX XXXX XXXX for data furnisher negligence / litigation. I am completely upset and absolutely disappointed with the service Transunion has provided me, I will be writing a letter to my local congressman on this issue as well.

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 2015-06-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We found Fraud transaction ( XX/XX/XXXX ) {$2300.00} on Business account of Chase bank. 
We did cliam ( # XXXX ) to Chase bank and they said they ca n't distpute because it 's already over XXXX hours. 

XXXX XXXX is take out the money from our account. 

The bleow information is for Fraud transaction. 
XXXX/XXXX/2015 {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID :XXXXThis is unahtorized transaction. 
How can we get back the money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I was going to wait until XX/XX/XXXX before submitting another complaint. On XX/XX/XXXX, I submitted a CFPB complaint ( IDXXXX ) and XX/XX/XXXX, Transunion stated that they were opening a dispute. I called and it was determined that no dispute was opened. 

At this point, I should sue them but I am trying to save my money during this pandemic. They are incorrectly reporting information and degrading my credit score. 

In XX/XX/XXXX, I requested for Transunion to investigate inaccurate information related to the trade line XXXX ( Account Number : XXXX ) and to update or remove the account. Transunion responded that they verified the account. In XX/XX/XXXX, I asked for them to provide how they verified. I never info in regards to how they verified instead they verified the account again via report number : XXXX. I requested method verification again in XX/XX/XXXX, and they never provided the method of verification. I advised in my last complaint that I was told by a Transunion representative that this was all done electronically and that they do not have to provide the method of verification. 

After filing the complaint with CFPB, I never received a method of verification of how they verified the account. According to the FCRA, they have 15 days to provide from the receipt of request. We are well past 15 days. 

In XXXX after back and forth with the original creditor, they provided a letter showing the tradeline is charged off. I was also told that the last payment was applied to XX/XX/XXXX and that the first date of delinquency was XX/XX/XXXX. However, Transunion is reporting this tradeline as account status = " Repossesion '' and payment history is accurate. And they have re-aged this trade line.

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 2017-01-05
Company: AFNI INC.
State: NC
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:
An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I complained some months ago that Chase would not refi a XXXX Veteran since they are making more money. You checked into it, they wrote a nasty letter with original docs, and basically said you are on your own. They also told you they had no application for a refi by myself. I have applied twice. They are lying. I recently emailed them an application and they did not respond at all so there is no record I assume. I need to refinance before mortgage rates go up. I am in an adjustable. It is my own fault for choosing this loan but I need to get into a fixed 30 year desperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am the XXXX Representative for an Estate that contacted JPMorgan Chase to give me a payoff for the deceased home loan for payment. The home sold, the closing date and time were determined. For exactly two plus weeks Chase gave me false information and would not honor my request. I contacted the Office of the Attorney General in Minnesota for assistance. They did contact Chase Mortgage on my behalf. Chase did give the payoff amount to the advocate that acted on my behalf. Had the Office of the Attorney General not assisted me I would still be trying to obtain the payoff amount for the loan. Chase Mortgage also added fees to the loan which were not applicable in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent a letter to EXPERIAN disputing the inaccurate accounts information as erroneous on XXXX XXXX, 2016 certified mail, return receipt requested. I received notice in the mail that EXPERIAN received the dispute on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and I have not received a response from EXPERIAN. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period, Experian must delete all of the disputed accounts from my report. EXPERIAN must NOW delete the disputed and INVALIDATED accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 
I have previously enclosed a copy of the receipt showing when EXPERIAN received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

THE FOLLOWING INACCURATE ACCOUNTS SHOULD NOT BE ASSOCIATED WITH MY EXPERAIN CREDIT REPORT, WHICH ARE LISTED BELOW : US BKPT CT CO XXXX IDENTIFICATION NUMBER XXXX ACCORDING TO MY RECORDS, I HAVE NEVER FILED BANKRUPTCY, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FOR THE US BKPT COURT SHOWING THAT THEY DO NOT HAVE ANY RECORD OF ME FILING A BANKRUPTCY! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH THE US BKPT COURT HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE FILED A BANKRUPTCY! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX ACCORDING TO MY RECORDS, I DO NOT HAVE AN ACCOUNT WITH XXXX, AND I WOULD LIKE TO KNOW WHY THEY HAVE BEEN ASSOCIATED WITH MY PERSONAL CREDIT REPORT! I AM NOW DEMANDING THAT A COMPLETE VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION BE PREFORMED, IN THE EVENT THAT A LEGAL VALIDATION OF THIS ALLEGED ACCOUNTS INFORMATION CAN NOT BE MADE THEN REMOVE THIS INACCURATE ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 

XXXX PARTIAL ACCOUNT NUMBER : XXXX .... 
ACCORDING TO MY RECORDS, I HAVE DO NOT HAVE AN ACCOUNT WITH XXXX, AND I HAVE PREVIOUSLY PROVIDED EXPERAIN WITH THE DOCUMENTATION DIRECTLY FROM XXXX SHOWING THAT THEY DO NOT HAVE VALID RECORDS OF MY ACCOUNT! 
I AM NOW DEMANDING THAT EXPERAIN PROVIDE ME WITH THE LEGAL COMPETENT EVIDENCE IN WHICH XXXX HAS PROVIDED TO EXPERAIN ON MY BEHALF, SHOWING THAT I XXXX XXXX HAVE AN ACCOUNT WITH THEM! AS EXPERAIN IS IN FACT NO DOUBT AWARE THAT THIS IS A CLEAR CASE OF INVALIDATED DEBT HERE AND I AM URGING EXPERAIN TO REMOVE THIS INACCURATE, INVALIDATED, DISPUTED ACCOUNTS INFORMATION FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2021-03-19
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:
rWhat happened? I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2016-01-05
Company: Nationwide Biweekly Administration, Inc.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Shortly after purchasing my home I received a call from the National Bi Weekly Loan Association. They explained to me that they worked with my home loan company to break my payments up if I chose to do so. Not knowing that I was going to be charged for this service I agreed to break my payment up in hopes of paying my loan off faster like they had explained I would. The representative never once told me of any fees whatsoever. He worded things so that I thought they worked directly with Idaho Housing And Finance. I tried contacting the company in XXXX when my payment did n't go thru but never could get ahold of any representatives. The automated system just told me that they were experiencing high call volumes and to try back later. I did some XXXX searching to try and figure out what was going on and that 's when I came across reviews from people and realized I had been getting charged for this bi-weekly setup. I still have not been able to get ahold of this company to figure out how much I have been charged over the 4+ years that I made payments through them. Not only did they use sneaky habits to confuse me and fail to tell me about any fees, but they failed to hold up their end of the deal by helping me pay my loan down faster. I 'm under the impression that they have cost me much much more than I have saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Northwest Collectors Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency keeps reporting a collection account on my credit report which does not belong 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 explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi, I am filling this dispute, Because of Bankruptcy record on my credit report its too old and pass the time limit and it should be deleted from my credit report, Also when i pull my credit report from indipended sourse, the bankruptcy will not show on my credit and somtime it will, butXXXX it will show on thier oficial web site I have contact the all XXXX bureau Company only XXXX '' removed the disputed item rest of XXXX company ( Equifax & XXXX ) has not comply with my request So, I am requesting CFPB please re investigate this matter and have the " XXXX & EQUIFAX deleted the incorrect information thanks XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Business & Professional ServicesXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX {$65.00} # XXXX XXXX {$29.00} # XXXX XXXXXXXX XXXX I have attempted to have the above Collection Company ( CC ) , Business & Professional Services verify the XXXX above accounts they were reporting to the XXXX ( CRA ) , Credit Reporting Agencies XXXX , XXXX and XXXX, as being mine. Since the CC was NOT able to validate the XXXX debts within the XXXX days allotted, XXXX and XXXX DELETED them. CC continuously fails and is ignoring my requests to produce documentation from XXXX and XXXX, that I received services, what the services were and that they are authorized to collect on their behalf. This is despite the approximately XXXX requests to the CC and the CRA, XXXX, to investigate. based on lack of verification, they still continue to report these XXXX accounts. Because they are so small, I almost wanted to just pay to delete, but decide that this CC has to follow the laws like the others. I have asked the CC for their documentation from the original businesses ( XXXX XXXX XXXX ), that I received services and what services and to prove that they were assigned to collect on their behalf, from me. All the CC did was send a letter stating ; the accounts were mine. That is NOT adequate proof and they know that. I am listing the dates below of who I have either called, emailed or written in regards to these accounts. I would also like to find out how to pursue damages from either parties for violating The Fair Credit Reporting Act. 
XX/XX/XXXX filed dispute with XXXX-no responseXXXX/XXXX/XXXX emailed CC-no responseXXXX/XXXX/XXXX offered to pay reduced amount for deletion, just to get rid of-no responseXXXX/XXXX/XXXX CC sent me a letter stating that accounts " are valid ''. 
XX/XX/XXXX filed complaintXXXX/XXXX/XXXX complaint closed before I could verify CC addressXXXX/XXXX/XXXX emailed CC to verify acct-no responseXXXX/XXXX/XXXX offered 70 % off payment to delete-no responseXXXX/XXXX/XXXX wrote dispute letter to XXXX showing copies of deletion from XXXX and XXXX-says they do n't base their findings off of other CRA findings-I thought they were suppose to share info. 
XX/XX/XXXX file new complaintPlease help me!! 
They need to produce documentation from XXXX and XXXX that I received services and that they are authorized to collect on their behalf. 
THANK YOU!!

Company response to consumer: Closed