BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: Midwest Recovery Systems
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: PLAZA HOME MORTGAGE, INC.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I would like to report a fraud on my escrow account.I would like to know whether you CFPB are you able to make decision in this matter or I have to report this issue to the FBI. 
substantiation : they never add a money {$4000.00} from sectionF/prepaids/on closing details sheet, to my escrow accont.The {$4000.00} dissapeared.There is also very difficult and completly incomprehensible system how they count a total loan value.They also do not make full payment od 3.5 % od downpayment in spite that I paid for this. .There is a big diference beatwen a purchase contract/see copy/ and what I signed at closing.I have told that every thing from purchase contract will the same on closing day.But was not.The change everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: JPMORGAN CHASE & CO.
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I initiated Online Payment transaction # XXXX To XXXX XXXX XXXX XXXX in the amount of {$11.00}. In XXXX I received a statement from XXXX XXXX XXXX showing that amount still due. This began my attempts to rectify the situation. I sent the payee " Proof of Payment ''. The payee said they never received this amount. I called Chase Bank 's customer service. Chase said the payee did receive the payment, case closed. 
Now, after numerous calls to both Chase customer service and to XXXX  XXXX XXXX XXXX, after numerous written request for assistance, over these last three months, I am told my money is gone and there is nothing Chase can do about it. I have pieced together that somehow Chase 's online payment program decided that XXXX XXXX XXXX XXXX  could be paid electronically rather than with a paper check. This is not something I could've done. XXXX XXXX XXXX XXXX   tells me they do not have an electronic payment agreement with Chase. I have given this information to Chase and ask that they research to whom the payment was made. Chase says they are incapable of doing this. Again, case closed as far as Chase is concerned. 
Obviously this is a very minor amount of money, but what if it wasn't? Chase thinks it can handle my money in a haphazard and erroneous fashion and then refuse to resolve the issue leaving me not only out an amount of money but also still liable to the payee for a legitimate charge?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-13
Company: EQUIFAX, INC.
State: MD
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried twice through the credit bureau to get HSBC of XXXX, N.Y. ( XXXX  XXXX ) to close my credit account. I was sent letters to call an 800 number to close the account. They never pick up, even after a 20 min. wait, then 30 minutes, then 40 minutes. I suspect they NEVER pick up the phone. And why should I call to close my account if they have a letter from me with my signature? Why do I want to close my credit account? Because I do not like the way that they do business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.

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 2022-07-20
Company: EQUIFAX, INC.
State: LA
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: Problem with personal statement of dispute

Complaint:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with XXXX XXXXXXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was sent a PayPal.com/prepaid secure credit card. I attempted to activate card but it was denied as I previously had a Netspend card with legitimate unauthorized charges which I reported to Netspend but they have not reimbursed me,

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 2020-04-11
Company: Kriya Capital, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We did a pay to delete to a collections company ( Credence Resource Management ) in regards to our XXXX account. We made sure to make the agreement as we were paying the bill in full ( {$360.00} ) on XX/XX/2020. We were told we would receive a deletion letter for our mortgage lender as soon as we made the payment. It is now XX/XX/2020 and we have NOT received the deletion letter and the account has NOT been deleted from the credit report. It shows paid in full, but HASNT been deleted, as promised. We were told that it would be electronically deleted as soon as the debt was paid. We have made repeated phone calls ( at least 3 calls, every single day ) and spent hours on the phone with both XXXX and Credence Resource management and have been told every time that we would receive the deletion email within an hour or this afternoon or by the end of the day. At that point we ask to speak to a supervisor or manager to expedite the process and each time weve been hung up on. This has happened several dozen times. 
Credence Resource Management has had the most disrespectful representatives and theyve been nothing but extremely rude and unhelpful. Ive been cut off each time Ive tried to explain our situation. 
The XXXX representatives have promised to help, transferred us back and forth, put us on hold for hours at a time, and ultimately resolved nothing. 
By making the payment and the agreement being a pay to delete we assumed they would be immediately deleting the account from the credit report, which we were told they would do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX is stating false in information. They are reporting a XX/XX/21 late. As they are stating that I made XXXX 's payment late. When the draft for XXXX 's payment did not go through. I called and they advised me that they are not accepting payment as the account closed and was sold to another company. At this time, they didn't give me any information, and they stated that the new company would contact me with the new information and how to make payment. Once received I called and made the payment with XXXX  However, I was not late and should not be marked as late. this XX/XX/21 late is erroneous!! It is complete violation that they are reporting this as a late, as for one, they longer had this account. Two, I did not request my account to be transferred and this was out of my hands. I was ADVISED to make PAYMENT to the NEW Company!!! As soon I received this information the payment was made.

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 2016-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted both the the company in charge of the incorrect collections account as well as Experian to have it reversed. Speaking with Experian they refused to offer any real assistance and when asked to speak with a supervisor I was refused this as well, and told I could recieve a call back but there was no gaurantees.

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 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Re Bank of America CC to XXXX XXXX XXXX, No. XXXX 1. This card was solicited by fraudulent offer. The offer was a {$100.00} discount from XXXX XXXX, which was never provided. 

2. The dispute involves BoA second fraudulent actions when I attempted to call them three times to cancel card ( each time it took 15-45 minutes to get an operator, after fighting through a menu to nowhere ) : a. The first time, intake stated she was agreeable to canceling card and all charges but could not do so even though she could see that the train ticket was canceled, it had not yet entered their system. 

b. The second time I called intake again stated that he would be glad to cancel all charges and the account, and then informed me, with out asking my permission, to transfer me to someone else to do this, and, after he transferred me, the bank 's system dropped the call. 

c. The third time I called, and went through the interminable menu, the recorded voice told me to call again later. 

Bank of America appears to be following the discredited policies and practices of XXXX XXXX of generating faux business, and, notwithstanding all their operators assurances that the charges and card would be canceled, they have dinged my credit card at the same time I am attempting to get a mortgage, at great expense to me. 

Do you have a way of getting their attention and not being hung up on, because, I am being injured right now significantly by a bank committing repeated fraud. 
How can your complaint be satisfactorily addressed?

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 2016-10-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Credit card
Issue: Other

Complaint:
Recently I received a credit card in the mail from Union Bank. I have my personal and business accounts with Union Bank. I never authorized nor requested a credit card. When I called them to say I wanted the account closed and requested they code it as opened in error, they told me the card was issued as a result of a recent merger. This makes no sense to me. This was not an offer to obtain a new card. This was a new credit card opened that showed up on my credit report and was not authorized. In light of the recent XXXX XXXX sales practice I am wondering if Union Bank is acting in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I are behind in our mortgage payments and Green Tree Mortgage is constantly calling us which I understand is their job. The loan rep. called my work however and told a supervisor who he was. This I think is wrong. He then spoke to my husband XXXX and told him if he gave our bank account number to him he would freeze the mortgage account at Green Tree 's level to keep us out of foreclosure. The loan rep said NO MONEY would be taken from our bank - it was simply an internal form he needed to fill out. My husband believed the man and thought he was helping us out. The loan rep took the account number and submitted some form of request for payment from our bank which overdrew our account by {$3400.00}. We have no money now with a sick husband and XXXX children. I tried to call the mortgage company to report this and was passed from person to person and told they did n't place the hold which was a bold faced lie. Then they told me my husband authorized the hold which was a lie. They kept giving me the run around when I asked to speak to a supervisor or XXXX they kept me on hold for over XXXX minutes waiting to speak with a manager. The mortgage company kept passing me through to XXXX XXXX our loan rep who was the one who LIED to us. I understand we are wrong for not paying but that is not an excuse for a mortgage company to lie about things and overdraw our bank account. My husband is sick and this is so unfair and then to be treated like my complaint was not valid made me so angry and to keep passing me back to the man who started the whole lie was insulting. Please tell me there is something that can be done so this does not happen to anyone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: EQUIFAX, INC.
State: FL
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:
This is against the Law. I cant Understand how Companies our Allowing people to use improper Documents to open these Accounts using someone information. I never Authorize anyone to use my informationall of these Account are fraud. please remove from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Specialized Loan Servicing LLC Report My account being Late payments for XX/XX/XXXX. That preventing from qualifying for mortgage loan with XXXX XXXX. Which I never been late. I was paying my attorney to help me to keep my home. Which they advise me to sell my home. Which I agree to sell my home and pay the remaining balance on my mortgage with Specialized Loan Servicing LLC in the amount of {$100000.00}

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 2022-02-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I lost my debit card. I called chase to file it lost and instead of closing my card completely they froze my account which is not proper procedure. The same day there was a unauthorized withdrawal of {$9500.00}. I filed a claim stating this was unauthorized. It was denied because they said I didnt report my card lost. I tried to refile the claim because I did report it. I called the same day I lost it but the person who helped me made a mistake and didnt close my card. They asked me to provide further evidence so I gave them the police report from when I lost my card. It was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase credit services, closed my account with no objective reason. I have not had a late payment with them. I always followed all the rules. I received a letter saying that they are closing one of my credit accounts with a fictitious reason ( Got access to an offer that was not directed to me ). I don't think chase can confuse and mislead their customer into applying to offers. This credit card offer was given to me after I logged in into my personal chase checking account. I have written to there executive office and made multiple calls. The so-called executive sovereign department is like an unreachable institution for the regular chase costumer. They take your request through a phone service and then you wait and wait for there blessing. I have offered to send bank statements and other documents to demonstrate that I am a good payee etc ... But to no avail. I request my account to be immediately reopened and my credit line restored. Thank you!

Company response to consumer: Closed with explanation