BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-30
Company: Dickinson Financial, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This debt had a judgement placed against it originally XX/XX/XXXX. I made several different payment arrangements with this creditor and was paying $ XXXX/month as well as other random amounts from the time of judgement until XX/XX/XXXX. This was an auto payment coming out of my account but apparently it lapsed in XX/XX/XXXX. In XX/XX/XXXX I contacted them and when discussing the last payment I asked for information regarding the original amount of the debt, the amount I had paid thus far and how much more remained in the balance. I was told I would be sent an email detailing this information. I have never received an email from them and it now almost XX/XX/XXXX. I have not received a call back despite leaving a voicemail for XXXX, with whom I've been working. They're website where you make a payment also do not show remaining balances or something showing you how much has been paid so far. I feel that after 8 years paying on something that was originally a less that {$2000.00} debt, I've more than paid this off. I want it off my credit and for the account to be closed and no longer have a negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage Company purchase my home loan approximately six months ago. My monthly payment is supposed to be {$1700.00} per month by contract. However, Nationstar constantly charges a late fee of {$10.00} when the payment is not in fact late. This is almost a monthly occurrence. The latest incident is for my XXXX 2017 payment in which Nationstar charged this {$10.00} late fee, but no details " why '' any payment was allegedly late. The XXXX 2017 mortgage payment was received by Nationstar on XXXX XXXX. I can only imagine how much money Nationstar has collected from other customers who did not question their alleged " late charge '' that was not in fact late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: CO
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:
In XXXX, 2020, on Southwest Airline 's website, at the time I was making a reservation, an offer was displayed that stated that if I signed up for the Southwest Rapid Rewards Visa that was offered by Chase that I would receive {$200.00} back after my first purchase and XXXX Rapid Reward miles. I applied for the card through the link that was provided for this promotion and was approved for the card. 

Upon receiving my first statement for the card, I saw that I had been charged the annual membership fee of {$69.00} but I had not received my {$200.00} promotional credit. I called Chase promptly and provided all the information about the promotion and requested that the promotion be promptly applied. Chase indicated that they would investigate this issue and let me know their response. 

Chase responded today XX/XX/2020, that they were unable to provide the promotion and would not give a reason as to why. All that I could be told was that somehow the link that I clicked " diverted me to another promotion, '' and that was that. This secondary promotion was never made publicly facing, and had it been, I would NOT have signed up for the card. The secondary promotion offered only miles on Southwest Airlines, which I did not want. 

This is total bait and switch! The link " diverted me? '' I have absolutely NO control over this - I clicked on the appropriately indicated link and if the link " diverted me, '' then this was intentionally and fraudulently set up behind the scenes by Chase and they had ABSOLUTELY no intention of ever honoring the advertised promotion. 

I want Chase to honor their promotion as they legally are required to do and credit me w/ the {$200.00}. If that also means rolling back my miles on Southwest Airlines, that is fine. I do not want the extra miles. I want the promotional credit as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
XXXX   XXXX   XXXX  claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 2020-04-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates ( PRA ) is in violation of Title 15 USC 1681m ( f ) ( 1 ) of the FCRA. 

They purchased debt they knew was from the result of ID Theft and fraud. Notwithstanding, XXXX sold them debt they knew was the result of ID Theft and fraud. I notified XXXX way before they sold the debt to PRA I have notified them on several occasions that I am the victim of ID Theft. My Identification has been stolen by XXXX Criminals from XXXX XXXX XXXX, Sate of California according to the IRS Criminal Investigation Division Special Agent XXXX XXXX. They have been filing false tax returns in my name as well as applying for Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was a victim of bank fraud by Wells Fargo several years ago but was able to sell the house the loan was for. The second time was a mortgage loan originated by a local bank in Idaho called XXXX XXXX who immediately sold to another bank which was XXXX Bank. The loan was a derivative meant to force foreclosure since my debt to income ratio was way too high w't even make sense or respond to the appropriate account details.ay too high and the bank should never have approved the loan. This loan was my mom and dads house which I had XXXX third interest in and also had {$26000.00} for a down payment to get a lower interest rates and affordable monthly payments. All my complaints and questions were never addressed adequately even when I sent tangible documents to prove my case all the way through both banks system but there was no one accountable and my serious complaints were ignored answered by various form letters that didnt refer to my account detail and did n't even make any sense. I lost almost everything I worked my whole life for due to the financial breakdown. The banks were all stealing my money and no one would help me and I could n't afford a high priced attorney and even if I could what lawyer is going to stand up against the tremendous power the mortgage lenders had on everybody. Although I was able to reaffirm the loan I still have on my mom and dads estate, I owe way more than the house and property is worth. I had to move out and get it rented to cover the mortqage and equity loans I had to get to pay all my bills. XXXX mortage and equity loans are through XXXX Bank they had me set up so I was robbing XXXX to pay XXXX ( so to speak ) I had to move back to XXXX State and request XXXX for the first and only time in my life at XXXX XXXX XXXX it was a tremendous strain on my pride and self-respect. Even now I still suffer high insurance premiums and large deposits for rental housing, power and other utilities. Would you kick a suffering dog when he was already down?? That is what it feels like to me. I have no more options or funds to continue this fight just trying to pick myself up from the bottom and start over.

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 2016-08-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a home mortgage with Wells Fargo bank, the process started on XXXX XXXX the banker agents in charged of this loan were XXXX XXXX, Home Mortgage Consultant Fax:XXXX Office : XXXX Ext:XXXX XXXX, NMLSR ID XXXX and XXXX Mortgage Processor ( Lo ) Office:XXXX Ext : XXXX XXXX NMLSR ID : XXXX. The process was slow because I could n't find a house for the amount I was approved for, first I was approved {$350.00}, XXXX however i found a house priced {$230000.00} and with a {$11000.00} down i was putting and a negotiation with my attorney i received a credit from seller which made the loan amount to go down to {$200000.00}. The bank requested a lot of documents to verify my income, and everything they asked me for i submitted it to process the loan, I have gotten several commitment letter from Well Forgo stating i qualified, the only reason the real state agent gave me show me the houses were because i had a pre approved letter. The bank consultant requested to do an appraisal in the house i gave them my credit card paid for it and it was done under the assumption that i had the loan and i also paid for the house inspection. i spend the appraisal money and house inspection money because the bank reassurance that i would have the loan to buy this house. Wells Fargo for five months made me spend money for the appraisal, i paid an attorney fees, put a down-payment and for {$2500.00} down to start up the contact, i rented the place where I 'm leaving now and i packed all my staff, consulted a house insurance and changed my car insurance to be with the same as the house Wells Fargo approve the loan for until the beginning of this month XXXX they at the last minute denied the loan because according to XXXX and XXXX my income Ratio was to high. My confusion is that since day one they run my credit report and seem all finance they knew what i had from the start why putting my hopes high and allowed me to spend money in appraisal if they knew i would n't be able to get the loan. i want an investigation to be done and my money to be returned. I did everything they asked me for and participating providing all my finance information they reassurance by giving me commitment letter and at the last minute they back-down.

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 2019-12-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 my PayPal account was charged XXXX Euros for a friends and family payment that I did not authorize. The amount after fees was XXXX euros. I opened up a problem ticket to report the fraud. The case number was XXXX. They closed the ticket as being not covered under their Purchase Protection Plan, as it was not a purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-11
Company: Bass & Associates, P.C., Attorneys at Law
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019, I sent US Dept of Education/ Bass & Associates , P..C. a notice of breach of agreement. This company disregarded the letter and sent back a response of notice of intent to garnish. I specifically asked them to answer all 6 questions to no avail. This is a violation of the FCRA/FDCPA. I do not have a contract with this company and they havent produced the information that Ive asked for along with my wet ink signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 a charge was made to my pay pal account through XXXX to a 3rd party app developer for {$53.00}. Immeditaly upon reciept of the email moments after the purchase was made I deauthorized my pay pal account and submited a dispute for the charge. A few hours later I received this response from pay pal : " We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. '' So pay pal indicated that the dispute was denied because " THE CHARGE WAS NOT AUTHORIZED ''. Below that wording it clearly shows my dispute was submitted on XX/XX/2019 while the trnasaction was still pending. Even after receiveing my dispute paypal still put the charge through on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
First Financial put a derogatory mark on my credit report for an amount I do not owe the difference is about {$900.00} and i am paying the original creditor directly. I don't remember ever being contacted by first financial, this is crazy to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: STONEGATE MORTGAGE CORPORATION
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX XXXX XXXX and I purchased my home in XX/XX/XXXX, the worst year to buy since prices of homes were high and now the value and cost of homes has plummeted. 
Since I purchased the home, the XXXX has had me away from it on XXXX and XXXX for six of the eight years I 've owned it. 
I 'm currently XXXX to XXXX and not receiving a housing allowance since my XXXX started from XX/XX/XXXX. 
I worked with a realtor ( XXXX XXXX ) towards a short sale but due to the VA 's inflated appraisal, the house has not had any offers on it in over 8 months now. 
The bank is trying to foreclose but I 'd prefer a new VA Appraisal and it be short sold instead. Is there any possible way the CFPB can help? This is my second attempt to have the CFPB assist. Thank you kindly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-18
Company: North Shore Agency, LLC
State: WA
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:
XXXX XXXX states that I broke terms of my contract by terminating my service before the contract timeline was over. I was never in a contract with XXXX XXXX. I was on my mothers phone plan and took my phone number over to my own account. In the process of doing so I was told when this happened that there was no contract nor did I sign any physical documents. I never signed any contract for the phone service that they are trying to collect debt for. I paid all of my appropriately owed bills in full. The amount they are requesting that I pay was described as an early termination fee of XXXX. I denied to pay this fee as I nor they could provide me any records or evidence that I had signed a contract with them. I contacted XXXX several times as well as the local XXXX store I was established with and received no help nor formal documents of my contract. They eventually sent my account to collections. I was contacted by North Shore Agency - a collections agency - to collect the debt I supposedly owed. I contacted north shore agency via mail and told them my story that this debt was not valid and I was never under contract. They looked into the issue and were also unable to obtain any information/proof from XXXX that I indeed owed this debt. They sent me an apology letter and told me unless I was contacted by them It would be dropped. I have never heard any information from either XXXX nor the collection agency regarding my debt for a little over a year now. I have records of the communication between North Shore Agency and I about this issue. However, this is still on my credit report and is effecting my score. I am complaining to have this mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Duvera Billing Services, LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied to have a loan from a company named Duvera Financial so I can paid for my Truck transmission repair for the amount of {$1500.00} in XX/XX/XXXX. I assume they told me 3 months without interest, but I undestood XXXX month without interest so I gave my XXXX XXXX XXXX account number and they withdrawn the monthly payments from XXXX to XXXX XXXX for the amount of {$280.00} each payment. So when I made the XXXX payment I found out that I was only XXXX month without interest not XXXX months so I asked for the amount to pay off the debt and they told me {$1000.00}. 
I asked my daughter to lend me a credit card to payoff and I did it on XXXX XXXX for the amount of {$1000.00}. 
Days later my daughter forgot about the payment and asked the bank for more info about this company, but they never retained/stooped the payment but they only asked more information to this company ( XXXX ). In this time ( XX/XX/XXXX ) XXXX XXXX deposited a temporary sum of {$1000.00} in my daughter 's account while they investigated the issue.That is the moment XXXX called me and said that now I owe them the sum of {$1300.00} to pay off the loan. So in XX/XX/XXXX I paid XXXX Financial the sum of {$1300.00} to stop any confusion and more interest charges. Also we asked XXXX XXXX to stop the investigation and we plead Duvera to return the over-payment they told us they needed more time and they promised they will return the money by the end of XXXX. In XXXX we claimed XXXX XXXX to proceed and return the over-payment of {$1000.00} since XXXX never responded to us. In XXXX XXXX XXXX finally returned the amount {$1000.00}. 
I received a call from XXXX now saying they are going to send to collection because I owe them the sum of {$29000.00} and if I do n't pay them they are going to proceed with the collection process.If I pay them the sum of {$290.00} they will send me a letter to cancel the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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