BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: Paradigm Assets, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a Notice from XXXX XXXX who Represents JHPDE Finance I , LLC in XX/XX/2020, so I sent a response dispute letter and a police report to show the debt wasnt mine! Asked to to Validate the debt, but the only sent some old statements that doesnt Validate anything! So sent out another letter and no response! Now today I received a letter from XXXX XXXX XXXX Who now Represents the same company JHPDE Finance I , LLC Requesting Payment for the same Debt I disputed back in XX/XX/2020 when they havent responded to the second letter for Validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello I had opened a new business credit card with American Express around mid of XX/XX/XXXX. There was like welcome bonus offer if I spend {$15000.00} within 3 months, I receive Membership Reward point XXXX cash value almost {$1500.00}. 

After I reached my credit card spending over {$15000.00} and contacted to ask American Express when I would received Membership Reward point XXXX, however they answered my account was not eligible receiving Membership Reward points because the offer code is not attached and I opened this product of the credit card previously. I disputed I never had this credit card before and it was opened the first of my life time. The case was escalated another department, but my Membership Reward point as welcome bonus as they had promotion for their bossiness was rejected. Also they charged the annual fee {$590.00} in XX/XX/XXXX. I still haven't received my bonus Membership Rearward points as of XX/XX/XXXX. 

Truly yours,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
This is with regards to a notice from " Merchants & Professional Credit Bureau Inc '' A/C No : XXXXThis company has been trying to collect a debt that i do not really owe as i have worked with the debt owner ( Medical company ) on why it was paid by my insurance. 
This collection agency has not paid heed to all my communication in this regard and went ahead with reporting this to all credit agencies. This caused my credit score to go down drastically and prevented me from getting a mortgage on my new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Core Advisory Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
When I learned that my house was in foreclosure I was contacted through the mail by Core Advisory Group. I called them and they informed me that after doing an evaluation that they can help me save my home. They said the total cost for their services would be {$4400.00}. I gave them {$2000.00} on. XX/XX/XXXX15, {$400.00} on XX/XX/XXXX15, and {$100.00} on XX/XX/XXXX15 totalling {$2500.00}. The end results was my house was foreclosed on and Core Advisory Group never fulfilled their end of my contract agreement. And afterwards did n't return any of my phone calls! Therefore, I am requesting and believe I am entitled to a full refund. Due to their breach of contract regarding my case.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my JP MORGAN CHASE BANK account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased three air conditioning units on XX/XX/2022. One unit was cancelled and credited back to the account. The next two units both arrived damaged in transit and boxes soaked and opened. I tried contacting the company directly. They said to return the items in original box. I sent one unit back but the second one they refuse to take. Upon further inspection I found that XXXX XXXX XXXX XXXX has a horrible track record for customer service. I provided this information to Chase and they still have not issued a permanent credit. I hired an independent XXXX repairman to tell me the issue. His report is attached and has been forwarded to Chase Bank. You will see that he states the air conditioning unit is defective and damaged and needs to be replaced. Chase has provided temporary credits but they need to make them permanent as the company refuses to refund XXXX XXXX for the damaged XXXX units.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I completed a mortgage loan application with Navy Federal Credit Union. On XX/XX/2022 I received a credit denial notice in the mail listing excessive obligations in relation to income, delinquent past or present credit obligations and collection action or judgment listed as the reasons for denial. Pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) this adverse action is a violation of my consumer rights. 15 USC 1602 ( f ) states that credit is the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment.. Credit is my BIRTH RIGHT and IT CAN NOT BE DENIED!. Pursuant to 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I presented my credit card for this transaction, NFCU accepted and charged my credit card, but denied me the benefits received. Though my credit card was taken and charged at the start of this transaction, Navy Federal Credit Union violated my rights as stated above and discriminated against me pursuant to 15 U.S.C. 1691 ( a ) ( 3 ). Navy Federal Credit Union has also criminally used my credit card and charged an unauthorized charge for their own benefit 15 U.S.C. 1602 ( p ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: ALLY FINANCIAL INC.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Ally 's auto loan settlementAlly 's markup policy resulted in XXXX, XXXX, XXXX and XXXX XXXX borrowers paying more for auto loans than similarly situated non-XXXX borrowers. 

Ally charged late fees when they agree to put payments at the end of the term without late fees, they have charged a total of {$760.00} after I made last payment online and Ally took the XXXX XXXX payment option off their pay web site in XX/XX/XXXX and could not make anymore payments. Ally charge late fees on XXXX XX/XX/XXXX XXXX of {$1600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have tried unsuccessfully tried to challenge with Transunion recent inquiries which are not mine and did not approve and payment history showing late with XXXX, nothing updated on my account since XXXX disputes still processing ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Sent in a request to correct credit file after sending validation letter to collection agency certified as required by law and receiving no response back. Credit bureau told me they verified info as my account. I requested their method of verification and received no r=further response. Response also took longer than 30 days. They are still reporting account as valid even though account was not validated as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: U.S. BANCORP
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
XXXX and XXXX put false information on my credit report. I was XXXX when someone took a credit card out in my name. I never permitted. I told XXXX and they still made me pay it. They said they will make my credit better if I pay it and they never did

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 2015-08-26
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
A hard credit inquiry -- a totally fraudulent, unauthorized credit inquiry -- was made on XX/XX/XXXX by way of " Bill Me Later '' /CCB/PayPalCredit. This is damaging my credit and making me fear of potential identity theft. Please stop this fraudulent practice of signing ( or attempting to ) sign people up for credit cards they never asked for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a written letter from XXXX XXXX, XXXX, regarding an account with XXXX XXXX. The written letter offered the option of " 1 payment of {$250.00} '' and that my account will be considered " Settled in Full '' after the payment is successfully posted. ( Please see attached letter ) I paid the {$250.00} ( please see attached processed bank check ) and XXXX XXXX reported my account to Equifax as " Legally paid in full for less than the full balance ''. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " PAID/Settled in Full ''. I would have chosen pay the amount in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I do n't even know Equifax has refuse to give me my annual credit report, I called them too many time I got not respond, IN ORDER TO DISPUTE ACCOUNT I NEED MY COPY OF MY REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-15
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I faxed a debt validation letter to AR Resources on XXXX XXXX, 2016, asking to confirm XXXX has n't been violated. As of today 's date, I have yet to receive any information from AR Resources nor is this account denoted on my credit report as " CONSUMER DISPUTES ACCOUNT '', and both accounts are still listed on all XXXX credit reports. AR Resources has now violated both the FDCPA and FCRA. I contacted them today, XXXX XXXX, 2016 to see I could speak with the have these accounts removed from my credit as I have n't heard from them and their multiple violations in which I encountered XXXX of the representatives and I explained the reason for my call. She went off on me and hung up the phone. All before I was able to get her name. I called back over 12 times where the phone was deliberately hung up each time I guess they could recognize that it was my phone number. I believe this is in such bad practice as well as unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: FC HoldCo LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XX/XX/XXXX with my score was XXXX Flagship Credit Acceptance LLC got me paying {$570.00} WITH NO CHANCE OF REFINANCE or lowering my XXXXXXXX XXXX XXXX interest. After I had a XXXX XXXX XXXX from XXXX XXXX XXXX ( no money down ) for $ XXXX month that was never approved for XXXX  months because I'm XXXX 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 2022-11-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my WELLS FARGO account to fraudulent investment firm ( s ).

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 2022-11-07
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
The gift card was issued XXXX this year and I discovered today it expired XX/XX/XXXX this year. {$140.00} was invalidated. According to CFPB gift card funds need to be available for 5 years ( https : XXXX ). I called the company and the answer is no replacement card will be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: PNC Bank N.A.
State: IN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I paid a payment using a check to the bank that services the credit card account that I have. The amount processed, XXXX to the credit card account and to my checking account was the same amount, but was different than what I thought I had written on the check. Despite letters by postal mail and numerous phone calls with the credit card servicing bank, I was not able to get copy of the check. My own bank, from which the check was cashed, does not have the copy, as it was processed as electronic debit. I would like to see a copy of the check, but credit card servicing bank absolutely will not provide that. I paid interest charge due to different in amount that was paid. Thank you. Credit card servicing bank was PNC Bank. The last phone call to customer service had rep state that PNC could not provide check image, even though previous customer service rep stated that they could and it would be mailed within XXXX month of my call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ditech Financial LLC, the merger with Greentree Servicing, is harassing me by falsifying that it does not have my XX/XX/XXXX borrower 's assistance application. 

First for over 30 days Ditech caused my unnecessary stress and expense by refusing to acknowledge receipt of my borrower 's assistance form despite my repeated certified letters asking them to acknowledge receipt until Making Home Affordable called. 

Then Ditech harassed me by trying to make me submit a new borrower 's assistance application removing child support because it helps me. So, Ditech is falsely claiming that I have not submitted an application because it does not want to process my borrower 's assistance application for HAMP that it received on XX/XX/2016. 

Then Ditech harassed me by claiming that line XXXX of my IRS XXXX was blank when it was n't. Ditech provided a different address and asked for a new IRS XXXX just like it was trying to make me submit a new borrower 's assistance form. 

Then Ditech harassed me by creating several different addresses for loss mitigation to try and create plausible deniability that it had not received my XX/XX/2016 borrower 's assistance form proven by the tracking information. 

Ditech harassed me by falsifying it needed 30 days recent pay stubs that did not exist to keep from processing my borrower 's assistance application for HAMP. 

Then Ditech harassed me by misrepresenting its XX/XX/2016 denial for HAMP due to my housing to income ratio being XXXX % instead of XXXX % because Ditech would not remove child support as if it is denying my current XX/XX/2016. 

Then Ditech harassed me by theatening that if I do not accept their alleged missed payments they claim happened over two years ago that I will not be in imminent default while they are misrepresenting my current housing to income ratio. 

Ditech harassed me by not providing me a dedicated representative for loss mitigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan servicing company XXXX XXXX ( Stearns Lending ) is constantly increasing my monthly mortgage payments every few months. The reason for the increase is due to underpayment of escrow. I just do n't understand how my escrow account is short every few months and without explanation I am required to pay this amount. Soon thereafter, the payment decreases for a few months, then it increase again. This is ridiculous. Most people leave on a monthly budget and this makes it unfair to continue to fluctuate payments so frequently.

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