BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my home burned down in the XXXX fire in XXXX XXXX, Colorado. My insurance company ( XXXX ) paid out the structure coverage in the amount of a check for {$310000.00} on XX/XX/XXXX, with my mortgage lender ( Chase bank ) as the cosigner. On approx XX/XX/XXXX, Chase provided me with checks covering the XXXX minus {$21000.00} which they stated they are holding against the mortgage balance. 
I am XXXX XXXX XXXX and can not go through the rebuilding process. I am looking for another, smaller home to purchase but being short {$21000.00} is a significant hardship. I am on time with all payments and on a fixed income. I can apply for additional coverage against the structure when I have another home under contract and can go back to allstate with the appraisal stating a structure value over {$310000.00} for an additional 20 % coverage ( approx {$62000.00}, very close to the mortgage balance ). The unpaid balance on the mortgage is {$62000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: EQUIFAX, 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:
On XX/XX/2018 I was the victim of a robbery. My wallet and other personal items were stolen. I attempted to notify every single company that I could recall having an account with about my robbery so they could complete their due diligence and take appropriate action. I had excellent credit and had many many credit cards ( more than I could remember at the time ). Apparently one of my accounts ( XXXX ) ended up being used fraudulently. When I found out about it, I immediately contacted XXXX and began the fraud process. To my shock they refused my claim and are trying to make me responsible for a debt I did not incur. I believe I even had fraud protection on this card! Now I am in the process of trying to buy a house but I can not qualify because of this fraudulent item is still on my credit report. I have made numerous phone calls, sent letters, completed affidavits, filed police reports and have done everything I can to get this issue resolved, yet XXXX nor the credit bureaus are helping me. I am extremely disappointed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EOS Holdings, Inc.
State: KY
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:
I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
This is with Paypal. We have an account with Paypal. We submitted to make a transfer from our account to a friend 's account for {$600.00} on XXXX XXXX 2017. <P/>When our friend tried to accept the payment, the transaction was unavailable. The message stated to contact us. We canceled the payment on XX/XX/XXXX and tried to resubmit. We were not able to. <P/>After several rounds of security verification, we spoke to three different representatives on the phone. For 1 and half hours, we tried to resolve the issue. At the end, Paypal had no good reason for why all of this happened, and there was no recourse for me, the consumer. <P/>Paypal withdrew the {$600.00} from my bank at XXXX. However, I do not have access to that at Paypal. They were able to immediately withdraw it, but they can not refund it for 3 to 5 business days. In the meantime, my money is in limbo. <P/>I was told that I should not have been able to submit a request for {$600.00}, but " got lucky '' according to the representative. I was told my limit was {$290.00}. I tried to do a transaction for {$290.00}, but was unable. I was unable for {$200.00} as well. I was able to transfer {$1.00}. <P/>At the end, I 'm left with a missing {$600.00}, an inability to use my account effectively at Paypal, and no recourse to any of the events that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I've already filed a complaint [ XXXX-XXXX  ] that the company basically shrugged off. They have me signed up for their automated payment plan. It's a no touch plan that they alone are in total control of. Despite this fact, they continue to mismanage the payment process and blame me for their own incompetence. After essentially denying my complaint, I finally got someone at the company to realize that I was, in fact, right and the company issued a credit bureau retraction letter ; however, they're back to mismanaging my account and I don't have control over it, per se, because they are handling it on a totally automated basis. I need CFPB 's intervention at this point because the company is clearly incompetent -- both in the handling of my account and in the investigation of my complaint -- and its doing damage to my credit and my piece of mind. Thank you.

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 2021-07-22
Company: BARCLAYS BANK DELAWARE
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-06-30
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have a contract to sell the house in a short sale. The lender says they have 30 days to review the information and make a decision. They took more than 30 days to respond, though we had called in 2-3 times a week asking for updates. Each time, we were told we 'd hear something in " 3-5 business days '' but it took them several weeks to actually make a determination. Yesterday, we were told that we needed to counter the contract price of the property ( {$300000.00} ) to {$280000.00}. They then clarified that the net to the investor needed to be {$280000.00}. We asked what fees on the HUD the investor would not pay for, and were told that we were not allowed to know that information. We asked what the appraisal report stated the FMV of the property was, and the servicer told us that they " were not privvy to that information. '' When we asked how we were supposed to come to agreed upon terms without either of those pieces of information, it was suggested we eliminate substantially all fees on the HUD except the lender 's payout, which is impossible. We ca n't counter the buyer without knowing what the lender believes the FMV of the property to be, and we do n't know what fees on the HUD the lender wo n't pay for - so we 'll never be able to come to terms unless they tell us. With the foreclosure sale date in two weeks, we believe this is a showing of negotiation in bad faith : that they are trying to use the pending foreclosure to fleece the parties to the contract of their fees, and to make the buyer pay an artificially inflated price for the property. It is also important to note that the lender admitted that they never performed an interior appraisal - they just had a drive-by BPO and set the value using a third party webservice, such as XXXX, which have been proven to be inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraud alert sent to my email which I responded to immediately. I shut off my card then marked it stolen. Some of the charges were stopped but not all. I filed, the same day, a fraud claim for all of the unknown transactions. Unfortunately, {$130.00} fraudulent charges from XXXX 's XXXX in AR still posted to my account. I live in AZ not AR and I do not do business with this merchant. My claim was declined stating I used my pin. I made a transaction the same day in AZ so there is no way I was in AR. I escalated the situation again with still no resolution.

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 2017-10-23
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have a deliquent tax lien that was paid in full. I have contacted the State and they say they did not report it and ca n't withdraw it. The credit reporting agencies have been notified of it being paid and that the state said they need to withdraw it. I am stuck because this is impacting my credit and ability to get good loans.

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 2017-06-29
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
XXXX prepaid card terminated service. They said they would send out checks with the remaining balance. I never received the check. I have called and they repeatedly tell me the check will arrive in 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
IN SUMMER  OF XXXX I NOTICED THAT MY CREDIT SCORE HAD DROPPED ABOUT XXXX POINTS. AFTER INVESTIGATING, I REALIZED THAT MY XXXX LOAN WENT INTO REPAYMENT, ALTHOUGH THIS WAS A GOVERNMENT LOAN. I CONTACTED UAS CONNECT AND THEY TOLD ME THEY COULD NOT RECOGNIZE THIS AS A GOVERNMENT LOAN. I ENDED UP PAYING OFF THE BALANCE OF THE LOAN ( APPROXIMATELY {$730.00} ) ON XX/XX/XXXX. I HAVE A BANK STATEMENT THAT REFLECTS THE WEB PAYMENT TO UAS XXXX. THINKING THAT I WOULD NO LONGER HAVE TO WORRY ABOUT THIS LOAN, I NOTICED THE ACCOUNT WAS STILL OPEN WHILE REVIEWING MY CREDIT REPORT. I CONTACTED UAS AND THEY TOLD ME XXXX WAS NOW IN CHARGE OF MY LOAN AS OF XX/XX/XXXX. I CONTACTED XXXX AND THEY HAD NO RECORD OF MY PAYMENT AND TOLD ME TO CONTACT UAS CONNECT. XXXX ALSO TOLD ME THAT THEY RECOGNIZE THE XXXX LOAN AS A FEDERAL LOAN AND IT SHOULD NOT HAVE ENTERED INTO REPAYMENT ( DUE TO COVID PUSHING THE LOAN REPAYMENT TO XX/XX/XXXX ). I HAVE NOW BEEN DEALING WITH UAS FOR 5 MONTHS TRYING TO SOLVE THIS ISSUE. I HAVE BEEN PROMISED PAID IN FULL LETTER, FALSE PROMISES. I HAVE SENT MULTIPLE EMAILS WITH THE BANK STATEMENT REFLECTING THE PAYMENT OF THE LOAN, AND EACH TIME I AM TOLD THIS WILL BE REVIEWED AND I WOULD HEAR BACK IN 7-10 BUSINESS DAYS. WEEKS GO BY, NOTHING. I RECENTLY ASKED TO SPEAK TO A SUPERVISOR AND WAS TOLD THAT A SUPERVISOR WOULD CALL ME BACK, NEVER CALLED ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: SUNTRUST BANKS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
received a letter from XXXX XXXX XXXX XXXX concerning a debt from sun trust bank for XXXX i spoke to them on XXXX occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from sun trust but received nothing from them. they have ignored my request to dispute this debt.

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 2021-07-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Well I use to have a XXXX XXXX card however the company closed. However about an year and a half ago I go really behind so I set up a payment arrangement through the company where they would take out so such money from my account which they did for a whole year tell my account was at XXXX. The payments were to be removed by ACH. With the company closing I tried to utilize the XXXX dollar balance that was available however all the stores had close 3 days before what was weird is I had an available line of credit of XXXX at that time I owed nothing then Comedity bank started calling threatening me that I owed them money nevertheless the had been taken money out of my account by ACH every month. It's not my fault that they failed to uphold the negotiated arrangements. This has had an adverse impact on my credit I have called them and spoke to them about this matter several times but they have been very unprofessional and refused to look into fixing there own mistakes. It is very unfair because you can't actually log on to the XXXX XXXX  app. That would verify the amounts but there is a break down prior to the company closing and the bank that finances there credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery, had repeatedly ignored my requests for proof that this debt is mine. Ounce sent them certified letters asking them to provide proof with no success. Now they 've logged a collection on my credit report. I am very upset and an considering legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Hello there! 

On Monday, XXXX XXXX, 2017, I contacted the bank who handles the XXXX XXXX XXXX, XXXX XXXX, to ask for an account closure and to work a payment plan of a fixed amount until the charge card is paid in full. I was instructed to call the customer service phone number to explain the situation and look for options. 

The representative who answered my phone call, whose name I can not remember, at all times, refused to work out a payment plan based on my hardship situation. Instead, she was insisting more than once, on collecting the debt when I told her that I was about to take care of that before the due date. 

This is not the first time I have problems with XXXX XXXX and they are difficult to work with. All I am asking is for a fixed payment plan between minimum {$25.00} or maximum {$50.00} per month until paid off. The rep at all time did n't consider my offer and instead said to wait until I make the {$40.00} payment due this month to see if the next payment will go for less than usual. 

As soon as I pay off this charge card I will never ever deal with this bank.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-10-22
Company: Simon's Agency, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : XXXX XXXX Simon 's Agency have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {XXXX. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep XXXX ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with XXXX, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. XXXX is now in violation of sections 623, 609, 1681 and 603. Simon 's Agency is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation