BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently purchased a home and used a mortgage that is now being serviced by Shellpoint Mortgage. While there has been no fraud or illegal action of any kind, I simply want to complain about the extremely poor level of service and lament the fact that as a mortgage borrower, my options are completely shut down. If I am unhappy with many other financial products, I can do business elsewhere. Now that I am stuck with Shellpoint, I have no choice unless another company buys my loan. 

The poor level of service has to do mainly with their complete lack of communication. On their website, email contact info is provided with a commitment to reply to the email. I 've sent emails on at least XXXX occasions and have received no response in 4 months. Due to my need to follow up, I 've also called to address various things and while I get someone on the phone, when something has n't been done, they simply tell me they do n't know why and escalate the request. 
Today, I asked for a supervisor to just share my experience and was told no one was available. 
Right now, the issue is that I received a late notice from the XXXX for a portion of the tax bill due. I immediately brought this to Shellpoint 's attention around XXXX XXXX, shared with them that the due date was XXXX XXXX and was assured it would be addressed in time. 
Foolishly, I trusted this would happen. I called today XXXX XXXX XXXX ) and was told that it had not been done, was still being reviewed and had no idea why it was still unresolved. Again, my concern about the tax bill would be escalated. 

It would be great if there was some way to take my business elsewhere but I understand that the mortgage market is complicated but how else do we hold a poor servicing accountable?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is my company 's bank card, is used to save money and use it, not a credit card. When I applied for this card, I didn't have any notice that I could overdraft. just told me how much I could spend. One day I only had XXXX  in my card. On the same day, I paid {$17.00}, {$19.00}, and {$32.00}. Then these three deductions were all pending. The last overdraft was {$1.00}, and I found out the next day. After deducting the investment fee of XXXX  dollars, three orders are still pending. At this time, a total of XXXX   overdrafts. On the third day, another order was deducted from the processing status, and I was charged another XXXX dollars. I do nt think I should swipe my card without money. Succeeded, I was debited because of an overdraft, why do I need to charge me again for other pending orders, and this was not used when I swiped the card. If I swiped the card 10 times a day, The last overdraft, whether the account is in overdraft state, is it necessary to charge XXXX times for 11 times I think it is very unreasonable, and my English is not good, I can't solve it for a long time to find a translator, too disappointed.

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 2022-07-18
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was attempting to sell a piece of furniture through XXXX XXXX for {$80.00}. A prospective buyer contacted me and wished to purchase the piece through a XXXX payment. 

After agreeing to this, I received a fraudulent e-mail stating that my XXXX account was not authorized to receive the funds and that it needed to be upgraded to a " business account. '' To make this upgrade, I had to send the buyer {$300.00} which would then be refunded to me. I complied and sent the {$300.00}. The fraudulent buyer maintained communication throughout this process via XXXX XXXX, which gave me a false sense of confidence that this transaction was legitimate. 

After this, I received another e-mail stating that the authorization did not occur and that I needed to send an additional {$700.00}. I complied again. After this, I received another e-mail stating that there was an error and that I needed to send yet another {$700.00}. I complied once more. 

Finally, I received another fraudulent e-mail from XXXX stating that I needed to send another {$1500.00}. I did NOT do this, as at this point I realized I was being scammed. I contacted Chase bank immediately and was told that my money ( {$1700.00} ) could not be recovered as I had technically authorized the transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-14
Company: Firstsource Business Process Services, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owe XXXX  a debt. So now I owe first source collections. First source called me in XX/XX/2019 to set up a payment plan. I agreed to {$50.00} a month. They took {$50.00} for every month XXXX, XXXX and XXXX then they went ahead and took {$3800.00} on XX/XX/XXXX. It was all of the money I had. It left my account in the negative. I would never agreed to paying that big of amount. Not knowing what the future might bring. With XXXX children. I want my money returned. I have had to write them a email with bank statements and now I have to wait sick to my stomach hoping they return it. This isnt right..

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a Vanilla Gift Card by a friend for doing XXXX XXXX work. When I tried to use the card, it stated I had a " Zero '' or " 0 '' balance. I never use the card ( never taken out of the package ). I called Vanilla Gift Card Customer Service to report fraudulent use of the gift card. The Customer Service Rep stated that the card was used at " Game Stop in XXXXXXXX XXXX '' and one other company ( not use of the name ). I informed them that I am in California and have not visited XXXX or placed an order ( online ) at XXXX XXXX. 
I submitted the requested forms, copies of the credit card, and receipt to the Fraud Department. I waited a month later to see if they had received my paperwork. I was informed that they had not received the paperwork ( after received verbal notification that the requested information was received ) and once the paperwork was I will get an e-mail from the Fraud Department. I resubmitted the paperwork ( s ) and got an e-mail dated XX/XX/2022. Per phone conversation, the investigation of fraud witll take 45-90 days. I called on Mon XX/XX/2022 to follow up and they said the Customer Service Rep ( XXXX who is in XXXX XXXX ) stated that the paperwork ( s ) was received on XX/XX/2022. I need to call back on XX/XX/2022 to check the status. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I had an existing CD with Ally Bank that was maturing on XX/XX/2022. I attempted to manage this maturity via the Ally Bank Web Portal numerous times both prior to and post maturity of the CD, but the Ally Bank Web Portal would not save my instructions. I attempted to call Ally Bank at XXXX numerous time during the 10 Calendar Day Grace Period. Wait times were always in excess of 30 minutes and I could not get thru. My objectives was always to renew this CD with Ally Bank for 13 months at a 2 % APR. Instead, I was automatically renewed into a 5 Year CD with an APR of 2.95 %. I finally got thru to a human being at the Ally Bank on Monday XX/XX/XXXX ( after a 25 minute wait ) and was told " that there was absolutely nothing that Ally Bank would do ''. I was put on hold multiple times and asked to speak with a Supervisor. After another XXXX minute wait, I was transferred to XXXX ( XXXX XXXX XXXX ). I was told that my only options were to stay in the 5 year CD or pay an early withdrawal penalty of {$7400.00}. 

It seems like Ally Bank makes it virtually impossible for a Customer to " Manage Their CD '' and then elects to put them into whatever product that best suits Ally Bank I have been a loyal customer of Ally Bank for nearly 13 years. I am incredibly shocked by this treatment and can not believe it is legal

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 2017-12-22
Company: ZWICKER & ASSOCIATES
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 've had an open case with this company for two years and have been in and out of court. The case came to a close when the judge dismissed it. However a few weeks after thw case was dismissed they started garnishing my wages. I have been unable to contact any of the attorney 's at the office, and can not get an answer from anybody in the office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My identity has been compromised. I was just made aware today when I received a letter in the mail confirming my address change that I did not make. I live in Illinois where Ive lived for over 20 years. I have never lived in XXXX GA nor do I know anyone at that XXXX address. XXXX XXXX ( XXXX XXXX XXXX XXXX ) will not help me correct this issue. Someone not only updated the address but changed my phone number which has been XXXX for 15 yrs. they also change my email address and requested a new card. I'm not sure what is going on but I am in no way responsible for this account. Ive reached out multiple to times trying to get XXXX XXXX to understand that my identity is being used fraudulently.

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 2021-11-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX, Equifax, and XXXX continue to deliberately report inaccurate and fraudulent accounts on my credit profile. I've submitted dispute letters as well as an FTC report to have this situation rectified. To no avail, the inaccuracies still remain. Under FCRA XXXXS 1681 b ( XXXX ) this is a complete and utter disregard of my rights and will be addressed in litigation if not verified, validated or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: NJ
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 have written letters to Equifax now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a fraud alert from my bank, Chase, on XXXX. They asked if I had made a XXXX transaction for $ XXXX. And to reply 1 for yes and 2 for no. I replied 2 for no because I didnt authorize this transaction. I didnt think anything of this because I get these texts all the time. They said okay and we will call you shortly to discuss. They soon called and had me enter my cell number back into my account to reverse the $ XXXX back to me. Because I was putting in my cell, I thought the funds were coming back to me. This entire time they are posing as Chase employees and the phone number is disguised as an XXXX ( a Chase number ). The exact same thing happened the next morning. I only realized it was a scam after the second call when the caller abruptly hung up on me. Then I knew instantly. I called the bank right away. They said XXXX is instant and there is nothing they can do. Although, I dont believe they did anything until after the holiday. I still dont know what happened. If my cell phone is entered in as the account number, how does the money go somewhere else?? Its just very confusing. My entire account was messed up because of this. I had to close my checking account and open a new one. I have a lot of automated bill payments coming out of my account, so this has been a disaster. Im still constantly getting Chase fraud calls. I think Im going to have to change my XXXX year old cell number : ( Ive been with this bank XXXX years, so Im not happy with the outcome. They said Im to blame and they cant recover the money, so no refund. I understand that I made a mistake, but how do these people pose as employees, text me from Chase Bank and call me from Chase Bank. None of that is my fault. 
The total amount I lost was $ XXXX ; $ XXXX for each transaction. Im a widow with a son starting his freshman year in college. I cant afford this. 
It has been submitted to fraud department twice at the bank. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX {$120.00} sent to XXXX XXXX acting as representative for XXXX XXXX who was sent {$110.00} on XX/XX/XXXX. Others on XXXX  said she is a well known XXXX and she was active on social media fan pages for XXXX. XXXX is a scammer and never sent any of the items promised. She used PayPal and they claim to not be able to do anything about it. SOMEONE SHOULD BE TRACKING THIS GIRL! XXXX said her family runs their own XXXX  server to scam people so now PayPal and XXXX are both a part of their scam of people. PayPal told me to file a dispute/claim with you so here it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2021-01-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report today for the first time. I have a number of hard inquires on my account that I did not authorize, and I believe are fraud. I need help in getting these removed from my account as I did not approve these and they are hindering me from providing a home for my family to live in during the covid 19 pandemic. Please, please help me. I have contacted each company with no resolve when speaking to the fraud departments. 

XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Informative Research- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Experian Information Solutions 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:
I been trying to get this wrong info off my credit for a long time but the credit bureaus arent helpful. Please help

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 2017-12-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase bank : Claim XXXXI noticed my funds were low on Chase app and is when I seen a large withdrawal on XXXX/XXXX/XXXX for {$200.00} and {$100.00} on XXXX/XXXX/XXXX which is not mine. I called Chase bank on XXXX/XXXX/XXXX, submitted claim for those first two and hung up. Then I started backtracking and seen other smaller amounts and called Chase again and added those to the claim and is when the bank rep and I counted a total of 11 transactions between dates XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for a total of {$1000.00} at the same exact ATM machine, and most took place between XXXX XXXX XXXX. At first it was small amounts so it was n't noticeable, so the last two larger withdrawals is when I took notice. I do n't withdraw cash from a Non ATM because of the steep bank fees. I was given credit for the full {$1000.00} on XXXX/XXXX/XXXX, but they reversed the credit on XXXX/XXXX/XXXX, the reason : because it was done at an ATM machine and my pin was used. I had no idea how this took place being that the my debit check chip card was on me at all times and I do n't give out my pin or write it on my card. I called Chase and was told I would have to prove where I was when transactions were taken out. I can not prove where I was at XXXX XXXX I filed a police report on XXXX/XXXX/XXXX, report # XXXX with Officer XXXX XXXX with the XXXX XXXX CA police dept. I also filled out an Identity Theft Victims Complaint and Affidavit and got it notarized and faxed to Chase on XXXX/XXXX/XXXX. I might also add that the Police Dept. is who explained to me what skimming was since I was unaware this was possible. Chase claims department kept giving me run around and would give me different dates to follow up on my claim since according to their claims rep, they were backed up. As of today, XXXX/XXXX/XXXX, they sent me an email denying my claim again, even after submitting all necessary documents for full investigation. I 've had the same bank account for over 20 years and I have never had anything like this happen. I am saddened and in shock that a bank that I pay fees to every month, does n't care about their clients even when its clear that these withdrawals were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I do not recognize the following hard inquiries. I did not authorize any of it. I attempted a few times to remove it with the credit bureaus but they wanted me to file for an official legal document. 

1 - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Inquiry date : XX/XX/ 2021 2 - XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry date : XXXX XXXX, 2021

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