BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I have a chase freedom credit card. I always pay on time and pay in-full. My last day of payment is XXXX of every month and I got late by 1 hour and Chase charged me {$25.00} fee + interest. I requested Chase by calling their customer care but they refused to help OR waive-off fee. So I end-up paying late fee but than I requested chase to set-up automatic payment on my account so that next time it does not happen. This incident happened last month in XXXX 2016. Now again on XXXX XXXX, I got lat by 1 hour and called the customer care at XXXX of XXXX XXXX ( ideally it is night of XX/XX/XXXX ) and requested them that I want to pay full bill but please remove this late fee. they refused to do that again. Now I have set-up automatic payment in my account this time. But I do not want to pay this late fee again and again for no reason. It feels like exploitation even after being a loyal costumer for last so many years. I feel it is cheating/exploitation from Chase side. I have not paid my credit card bill yet but I am very much willing to pay it in-full once CHASE remove all charges. When I spoke to CHASE customer care supervisor ( her name is XXXX and she is in OH office ) and before that spoke to a representative ( her name is : XXXX and she was very rude and that 's why I requested her to let me talk to her supervisor ). No matter what I say to them, their answer is same and something like " Sorry we really can not help in this regard ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: M&T BANK CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
hi im XXXX i have a loan with M & T BANK las year XX/XX/2016 the bank said i did not pay my real state property taxes with i did directly to the XXXX city real state tax property department but they insist i did not and they add my real state property taxes as a scrow taxes & insurance so i paid the bank againg because the put me on the credit report agency as a delincuet payment i call them on XX/XX/XXXX and they said they did an invetigation and they found out that i pay the taxes to XXXX real state departemnt so they said i was right now everything its clear but they said i have to contac the credit report borou a fill a complaint to be removed from the bad credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have a Bankruptcy that is over 9 years old and it should have no financial bearing on me, but it is hindering me and my credit and I need it gone. I've been disputing since May and still haven't had anything come from the bureaus! The first dispute was XX/XX/XXXX, then XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My IRA was due in XXXX so I wanted to rollover the account to a different bank. I had another IRA due in XXXX so I suggested I put the IRA into a term to coincide with the XX/XX/XXXX IRA. I can have only one rollover for IRA a year. When they were due, ( XX/XX/XXXX IRA ) and XX/XX/XXXX ( grace period 10 days ), I suggested a transfer of one into the other to meet the one rollover a year Internal Revenue rule. They let me do that, but would not let me have the money since they said it was XXXX AND THE SYSTEM WOULD NOT LET IT GO THROUGH. I waited 2 hours to get that answer. I WAITED till XXXX XX/XX/XXXX, since the previous XXXX ( bank closed ) and XXXX the system would not go through ( they said ). When I went to the bank on XXXX, they said because it was a transfer of one IRA into another IRA I had to wait a period of 7 more day ( XX/XX/2017 ) or incur a penalty. I said because of the delay I would incur another penalty since the IRA ( due XX/XX/XXXX ) had transferred into the ( 13 month due XX/XX/XXXX ) instead of closing in the 10 day grace period because of their delay. They assure me they would waive the penalty, but I am not so sure. I am not so sure I will be getting my check for the total the coming XXXX ( XX/XX/2017 ) at all.

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 2015-05-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Somebody called from XXXX posing as police and threatened to arrest and XXXX despite having XXXX status. Then transfer the call to saying XXXX officer calling from a number listed on XXXX website as toll free number ( XXXX ). They took our all identity information including SSN. Then the posing officer said we were tracked and all our bank passport were frozen now and bank account were frozen. Then he said he talked official in our home country and as our background clear in US he ca n't put us behind bars and the XXXX govt has to do the background check and let them know within 3 days. But to do the background check XXXX govt wanted {$2400.00} as refundable security deposit. We were told to deposit the amount within XXXX hour as office is going to close and only moneygram can make it possible to transfer within XXXX hour. We panicked and did XXXX transfer. After depositing we realized about the fraud and complained to police in XXXX. The complain DC # XXXX. I called moneygram to cancel the transaction ( ref # XXXX ) and report the fraud, but they could not do anything about it as money has been picked up. Please help us to get the money back or bring these criminal people to trial. 
There are many cases like this involving moneygram. They should change their policy in favor of senders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX I had another late charge for an insurance payment ; the funds were not available because of a previous illegal INSUFFICIENT FUNDS. 
On XXXX I had {$200.00} so I made a few purchases for the month from XXXX and XXXX. 
On XXXX my car payment hit that I forgot about through all the confusion ; this should have been the only INSUFFICIENT FUNDS FEE. 
Once again M & T placed this before all my XXXX purchases and I am facing another XXXX INSUFFICIENT FUNDS FEE or {$230.00}. 
The grand total since XXXX n they place the {$54.00} out of order starting this planned snowball effect will be {$340.00} for XXXX. 
Since I am on SS I keep track of every penny with XXXX and I did not do this. If M & T are going to jockey transactions around outside the normal bank ledger then they should provide the software to keep track.

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 monetary relief
Consumer complaint received 2021-01-14
Company: NCB Management Services Inc.
State: TX
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:
NCB MANAGEMENT {$2600.00} REPORTING FRADULENT INFORMATION ON MY CREDIT REPORT AND FAILED TO PROVIDE ORIGINAL SIGNATURE AND IDENTITY OF WHOM ACCOUNT WAS OPENED BY. ACCOUNT WAS OPENED FRADULENTLY AND NOT MINES

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: IL
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:
Ive contacted equifax on numerous occasions about fraudulent activity reported on my account they keep telling me its verified and its not my accounts these have been fixed on every other credit bureau except this one I have sent in police reports and every document requested. These fraudulent accounts still appear after many years

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: YSA ARM LLC DBA Oxygen XL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: ID Analytics, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The reason I am complaining against sage stream is because I have on several occasions requested for my file to be frozen and they have not frozen my file or responded to my request. I need my file frozen.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-01-04
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan through NACA in XXXX of XXXX. They pulled my credit three times that I can see on my credit report. In XXXX, the mortgage officer said that he was working on getting my loan approved but there was some policy change that was about to come into effect that may affect the amount I was approved for. He assured me that he had a copy of the NACA policy stating that unreimbursed employee expenses should not reduce the amount approved for. In XXXX, he provided me with a qualification l letter for the amount requested ( attached ). In XXXX, after searching two months for houses and finding the one, I reached out to get an approval letter for the property to start the contract process. He responded back with the letter, but said that new policies are now an effect requiring the employee expenses to be taken out and this will affect affordability ( email attached ). But he still provided me with the letter ... also attached. I reached out to the National NACA director, XXXX, via XXXX, and he responded back that there should be an exemption process. When I provided this information to the XXXX Office director ( After camping out in the office when he would n't return my calls/emails ), he said that XXXX XXXX was incorrect and that the policy had been in effect for years. I showed him the email from the mortgage office in his office saying that it was a recent policy, showed him the letters, my income, etc. He said that I should have never received a letter to begin with for that amount and that he 'd call me the next day. That was in XXXX. I have not heard back since. 

I want all NACA inquiries removed from my credit. I went through NACA before to get a home in XXXX, and it was not like this. Something shady is going on in that office.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Balance {$1000.00} - This specific account is certainly displayed as a charged off account, please don't hesitate to analyze the main reason why there's a balance showing you on the report if it is a charge off? The account balance is actually erroneous, please be responsible to turn it to XXXX or delete the item completely. Also render documentation to be sure of all the charges and credits with this assumed account came from me. My request to deliver these documents is a formal information appeal in accordance to my legal rights issued from the fair credit billing act. If you can't present this data per my civil rights request, delete this immediately. 

XXXX XXXX XXXX {$860.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX  XXXX Balance {$710.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

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 2016-11-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Portfolio Recovery continues to call my cell phone multiple times a day from different numbers. The only thing I have on my credit report is something from 5-6 years ago which is beyond the statute of limitation in Texas. They have done this to me XXXX in the past year and even had me served. They made me so scared and nervous that I ended up breaking down and paying what they asked for ( XXXX ). Portfolio Recovery even took a 5 year old debt, sued me for it and then re-reported it on my credit report as a new debt. Can they do this? This company is relentless and will not stop. Even this morning the calls have begun and will not stop. This is harassment and against the law. They should be allowed to harass people and collect debts that are so old. 
Can someone please assist and help? I can not afford a credit attorney. I 'm being threatened by Portfolio Recovery they will sue me again and harassed by threatening phone calls. 

Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Recovery Partners, LLC
State: OR
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 sold a debt, the collection agency, listed as Recovery Partners LLC with mailing address in XXXX AZ, failed to verify. It stems from an incident that I was not part of. I do not know how my name and details were attached to be event, and so then to the debt. 
I live XXXX miles away, have never driven the type of vehicle involved, and have not been in that area for close to 40 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract. 

So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX. 

When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX. 

Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease. 

I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent. 

I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent. 

I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a vehicle from Toyota in XXXX. In XXXX the vehicle was shot while sitting in my driveway. The damage was small, but I filed a police report and opened a claim with my insurance company. In XXXX, I was told by the XXXX registered lease turn-in inspector that the damage was too slight to qualify as excess wear & tear, but I kept the insurance claim open just in case. I turned in my lease, fully paid, in XXXX. In later XXXX I received a bill from Toyota for excess wear & tear due to damage from the gunshot. I called Toyota and my insurance company. I was assured by my insurance company that they would take care of it, and Toyota was well aware that I was not responsible for the payment. However, in XXXX I received a collections letter threatening litigation on behalf of Toyota for the same bill. I wrote the collections company a letter and immediately contacted an agent at my insurance company. I was told they were still working to resolve the claim, and they apologized that I had been contacted by a collections company. I eventually had to conduct a three-way call between my insurance company and the collections company in order to authorize the collections company on behalf of Toyota settle the matter with my insurance company. After it was resolved I spoke to Toyota and was assured that this would not have any impact on my credit, and Toyota apologized for placing the bill in collections in the first place. Nearly 2 years later while applying for a loan I discovered that I had a Toyota account reported to the credit bureaus as a collection, which lowered my credit score by over 100 points, and disqualified me from loans. This account never should have been marked as a collection, and never reported to the credit bureaus as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received notice of this account from the collection agency. I only learned of this account while monitoring my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation