BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: Google Compare Credit Cards Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I recently tried to make a purchase through a game/app via google play XXXX XXXX XX/XX/2022 ). The app/game was XXXX XXXX XXXX XXXX XXXX  ). The currency in the game store was in my region currency ( XXXX ). After clicking to purchase it took me to the play store. I tried to pay by debit card but received the message 'your payment method was declined, please select a different payment '. So I tried prompt pay. Same message, 'your payment method was declined, please select a different payment '. I then tried google credit by adding the amount to my wallet ( XXXXXXXX XXXX ). Then when I went to click to pay by google credit it said 'this product is not available in your region '. So obviously I can not purchase this product. I asked google for a refund and they refused to give me XXXX, even though It was clear from my transaction history that I was only trying to buy this product.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I returned some shoes to XXXX. I got a refund of on XX/XX/XXXX for {$98.00} for the first pair but not for the second pair which should 've been {$140.00}. This was confirmed by my bank. Chase made a transaction dispute several times but took back the temporary credit that they gave me each time and said that there was nothing that they could do. Chase said to take it up with the vendor. XXXX insisted that they sent the refund and that I should take it up with my bank. XXXX also sent an invoice and receipt of the refund transaction. What should I do? Who is liable? I do n't have the shoes or the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We are attempting to purchase a XXXX property held by Chase. We made the offer for a property in pretty bad shape. In the meantime while waiting for them to sign the contract, A tree had fallen onto the property. We purchased the property as is which did not include the tree. Now Chase is telling us if we want the property we need to pay for the tree removal. This company has done everything possible to torpedo the sale because they have another higher priced offer available. They have been impossible to work with and using their size to bully us into an agreement that we do not want nor can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax has continued to report my credit incorrectly even after several attempts by myself to correct the information. Equifax is refusing to report my auto loan by XXXX. Equifax starts disputes on my accounts without me even asking. Equifax refuse to remove fraudulent inquires and put dispute comments on accounts that I never disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: EOS Holdings, Inc.
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 was paid

Complaint:
From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company. 

On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX. 

I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that. 

I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year. 

I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case. 

I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: AmeriCollect
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collection agency ( Americollect ) was called and payment arrangements were made. 50 % now ( was back on XX/XX/XXXX in the first call ), 50 % next payment. Collection agency agreed to send balance bill. The XX/XX/XXXX payment made over the phone was not credited until XX/XX/XXXX -- 12 days to credit it. No balance bill EVER sent or received ( they agreed in a recorded call by them, that they never sent out the balance bill which was agreed ). Yesterday they filed " collection/derogatory '' on my credit reports. I found out today when I CALLED THEM to pay the balance. UNFAIR! The balance is now fully paid, the debt is satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account has been disputed in the past. This account was never late in XXXX. Also, the account balance appears to be updated in XXXX. The account itself was allegedly transferred/sold long before XXXX ( estimated XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I pulled a copy of my credit report on XXXX/XXXX/2016 and the address listed for XXXX XXXX XXXX, was XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. This address is incorrect ( I sent a certified letter to that address and it was returned to me " Not deliverable as addressed '' ). I sent this information to the Credit Bureau and asked for removal of this account from my credit report due to inaccurate information. On XXXX/XXXX/2016 I pulled my credit report again and the Credit Bureau did not delete this from my credit file, they only changed the address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: NAVY FEDERAL CREDIT UNION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX, 2020, I was told by XXXX XXXX and a XXXX XXXX XXXX that the bank was no longer taking my calls. I tried to explain that on a recent mobile banking call, the bank teller refused to use my secret password that was set up. Instead, she insisted on hampering me for my social security number. When I explained I had this password set up, she hung up the phone on me. I quickly called the branch= XXXX XXXX and XXXX XXXX XXXX XXXX report this. No assistance was offered. Instead, I was only greeted with the rudeness & punitive behavior. Please, assist as I'm sure there are others whom affirm that bank issues passwords to protect you they should thereby use them= not abuse them and punish the customer. As a result, the bank has not allowed me to call or enter the bank for assistance. Is this fair?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters

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 2016-02-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. Sometime late XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. This XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ 18k. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On  XXXX   XXXX ,   XXXX   I requested the following through CFPB to Navient : " I am requesting a full and complete itemization as follows : The original amount of loan to  XXXX , how much  XXXX   XXXX  was refunded, how much  XXXX  kept and why when student was in hospital and not attending. How much of loan was paid, the amount of fees and interest charged and dates of all information I am requesting. '' I never received this info, however, received a payment request from EOS again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I was able to go online and get XXXX of my XXXX credit reports ... with the exception of my Equifax Report ... there has always been problem with them. Either I ca n't get the report or their dispute process links are broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The IRS just refunded me all interest and penalties on this XXXX liens but only Equifax continues to report after repeated request for them to remove Equifax needs to delete both entries Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I am attempting to sell my home and the closing date is set for XXXX XXXX, XXXX. Key Bank holds the second mortgage on the property I am attempting to sell. This is my second complaint that about Key Bank ( my initial complaint XXXX, dated XXXX/XXXX/XXXX ). Please refer to that complaint to provide a full context. I went under agreement to buy a new home, and to sell my current residence, in XXXX XXXX. Key Bank, for four months, was refusing to provide documentation that was being requested by my lender, and was the sole reason I was unable to obtain a mortgage commitment by the date set forth in the agreement of sale. They only provided the documentation as a result of my complaint with the CFPB. I was able to obtain a mortgage commitment for a new home, but, as a result of the refusal of Key Bank to cooperate, I am having trouble getting to closing on the property I am attempting to sell. After I lost my original buyer on XXXX XXXX, XXXX, I called Key Bank to arrive at a settlement amount. I am eligible to do so because I filed a Ch XXXX bankruptcy in XXXX, and Key Bank is my second mortgage. I needed to settle with Key Bank because I have new buyers that are paying significantly less for my property. Please note that the original buyers ( i.e. that walked away on XXXX ) were paying enough for the home to enable me to pay back Key Bank in full. I only needed a settlement amount because of Key Bank 's past refusal to cooperate, and I only need an extension because of Key Bank 's past refusal to cooperate ( the subject of my initial complaint ). I currently have a settlement agreement with Key Bank that is valid until XXXX/XXXX/XXXX. The buyers of my home can not close until XXXX XXXX, XXXX -- after the settlement date runs out. I have been informed by Key Bank that I can pay after XXXX/XXXX/XXXX, but that is not acceptable to the closing services company who is attempting to ensure there are no outstanding liens on my home after the closing. They need it in writing, which Key Bank, at the time of this writing, is refusing to do ( even though they have given my a verbal acceptance, and have it attached as a " note '' to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27
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: Investigation took more than 30 days

Complaint:
I am writing due to non-compliance with XXXX, XXXX and Transunion. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2016-08-23
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NC
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:
Thank you for taking the time to review my credit file. When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX JPMCB - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX JPMCB - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I bought a money transfer on XX/XX/2016. I called the customer service on XXXX/XXXX/2016 and went to money gram agency located in XXXX XXXX XXXX, XXXX XXXX to request a cancellation and a refund. The lady responded that I have to call their XXXX after several transfer to different individuals I spoke to someone who requested that I sent an email with an explanation of the transaction to XXXX with my reference number XXXX. I did however I did not receive any response. I continue calling the same phone number without success. The agency keep transferring my phone call and I get disconnected every time. Please tell me what else I need to do to obtain a refund of {$150.00} that I paid. I was the sender XXXX XXXX, XXXX, MoneyGram transfer. The person who was to received payment XXXX XXXX XXXX never went to pick up at XXXX while she was there in vacation from XXXX. Since the receptor was not able to pick up I am requesting cancel transaction/refund

Company response to consumer: Closed with monetary relief