BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX A SCAM ARTIST CONVINCED ME HE HAD PURCHASED PROPERTY XXXX XXXX XXXX AND I MOVED OUT XX/XX/XXXX BUT HE LIED. HE AND MY NAME ARE ON TITLE. THE FEDERAL TRADE COMMISSION CONTACTED ME FROM FTC # XXXX XX/XX/XXXX AND INSTRUCTED ME TO CALL CHASE AND ASK THEM " WHAT THEY WILL DO FOR ME '' AND TWO WOMEN SAID MR. XXXX WE APOLOGIZE FOR WHAT XXXX XXXX DID TO YOU AND ARE DOING A LIEN RELEASE ON THIS PROPERTY FOR YOU AND CONGRADULATIONS FOR A PAID UP LOAN. 

ARE MY XXXX LOAN SAFE OR HAVE XXXX XXXX STOLE IT? 

THEY SAID THEY WILL NOT RELEASE INFORMATION TO A THIRD PARTY WITHOUT MY AUTHORIZATION. THEY HAVE INFORMED ME THAT THAT HOUSE IS YOURS. 

I SPOKE TO XXXX XXXX OF THEIR MORTGAGE DEPARTMENT AND SHE SAID THIS IS FRAUD, THAT WHAT XXXX XXXX REGISTERED XX/XX/XXXX IS FRAUD AND PROVIDED ME WITH CASE XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: ID Analytics, Inc.
State: PA
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 have been gotten bill from a debt collector that I don't know of then I check my credit and fount account that do not belong to me, my identity had been stolen, this report is been file to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
XX/XX/XXXX XXXX : XXXX XXXX account ( Comenity Bank ). 

XXXX XXXX account ( Comenity Bank ). 

When I spoke to the representative XXXX XXXX in collections, it was determined they had the wrong phone numbers and no email address he forwarded emails for corrections. XXXX sent me this email confirmation because he is resending the delinquencies on my credit bureau for XXXX - XX/XX/XXXX, I am now working to get a mortgage for my dad 's house because my mom passed away and dad had to go to a XXXX home and I have guardianship because he has XXXX 

I called today XX/XX/XXXX and was not able to get this removed, as the bank said they saw notes but could not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calling my residence on a debt that I do not owe. Harrassing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-13
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my current mortgage company that I had been sold to Loan Care. 
This was effective XX/XX/XXXX. I contacted loan care on XX/XX/XXXX for an account number as I have not received anything from them in the US Mail. I was told theses things take time they had received a LARGE batch of these on XX/XX/XXXX and call back in a week or so. 
Today I called there is a 3 minute message that tells how to ask for forbearance what that means blah blah blah. Finally at the end after offering me the opportunity to apply for forbearance repeatedly it transferred me to the main menu. It asked for the last 4 of my social security number cause it recognized me. I entered that and then more automated prompts. None of which lead to customer support. One was for " insurance claims '' I press zero it says not an option. I press zero again it hangs up on me. I call back going thru the forbearance 3.5 minute speech AGAIN!. This time I press 4 for insurance. Then listen to several other prompts to finally get to a HUMAN BEING. 
After identifying myself to her I finally get my account number and am able to set up online access. I do so then I go to set up reoccurring payments and a message pops up that says " Auto draft enrollment will become available once past due payment amounts have been paid '' For REAL! See attached!!! 
Now legally I am NOT passed due I am not subject to a late fee and it is XX/XX/XXXX. If LoanCare were already my servicer then on Thursday XX/XX/XXXX I would be late and would have a late fee. However Federal Law is crystal clear on service transferring and no late fees may collected and not late reporting may be done during the process. And to TOP IT ALL OFF loan care did not provide a current mortgage statement for XX/XX/XXXX. They did not have their JOB DONE AND MY LOAN ON THE BOOKS WHEN THEY WERE REQUIRED TO DO SO. 
In closing theXX/XX/XXXX0 payment was made this morning as soon as I had access to the loan.

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 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On  X/XX/2017    I attempted to pull my credit report from TransUnion 's website. Like many services that deal with confirming your identity they requested my credit card information.     There was a single reference to a subscription on the page prior to entering credit card details. " You may cancel your subscription anytime by contacting us or do nothing to have your membership continue without interruption. '' but no mention of price of subscription.     I enter my CC, confirm my identity and move forward expecting to get another screen to select a trial or level of subscription then complete the order. Instead they charged {$21.00} to my card beginning the subscription immediately.     I can find no reference to price of subscription in their service agreement or on any of the pages during signup.I will be disputing the charge with TransUnion but the practice is dishonest at best.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-05-18
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: Information belongs to someone else

Complaint:
There is one account and 3 inquiries that are on my credit report that are not mine I have not approved used or signed anything for these I dont know why it's on my report I need this off I am getting tired of disputing items that dont belong to me we have no free time to be checking for identity theft!!! 

XXXX XXXX - Acct # XXXX XXXX {$450.00} Opened XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XXXX 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 2017-05-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on  XXXX / XXXX /   17  i received an escrow account disclosure indicating a shortage of {$3300.00} from PennyMac loan services.   The notice indicated that i had to pay immediately or the amount would be added to my mortgage.   On  XXXX / XXXX /   17 i r eceived a notice from my credit monitoring service showing that PennyMac had raised my loan amount from {$150000.00} to {$150000.00}. My latest mortgage statement shows my monthly payment increasing from {$1000.00} to {$1200.00} An increase of {$190.00} which can cause financial hardship to my current finances. I did not agree to any new terms with this company and have been told by their representative that they made an accounting error when applying the funds received from me. I was told that this happened due to increases in taxes and insurance but my insurance cost actually went down and my taxes increased by only {$400.00}. annually. PennyMac has failed to clearly explain what has happened here and violated the terms of my loan through negligence and poor accounting. They have sent disclosures with varying mathematical discrepancies that are so confusing that i cant understand. The amounts they ask for greatly exceed anything i can find in relation to taxes/insurance. My  credit score  has been damaged by them increasing the balance on my loan. PennyMac has put me in a difficult financial situation and now their marketing department is sending me offers to refinance my loan. I have good credit and always make payments on time. I feel fearful and threatened by this company and believe they are trying to force me into a new loan or force me out of my home by nefarious means. I have also contacted HUD/FHA and been unable to get a response from anyone at their national office.  PennyMac  has not followed agreements made between the original mortgage company (  XXXX   XXXX   XXXX   XXXX   ) a nd myself. I have attached the original first payment notification with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ARS collection agency failed to send me verification of This medical debt they are attempting to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: Cooling & Winter LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a phone message today from some identifying himself as XXXX with Cooling and Winter law firm. He said to call him back and that it was a debt collection call. As I do n't have any debt in collections, I XXXX the firm name to see if this was a phone scam. The search showed a CFPB enforcement action against this law firm 's partners for deceptive collection practices. I pulled my credit report after the call to make sure there was nothing showing. I have a clean report and am current on all debt. I am unsure what to do as I do not want to return this call as I have no debt in arrears. However, given the tactics attributed to this firm I do not want false allegations of unpaid debt made against me and jeopardize a pristine credit history. Would appreciate any guidance on how to proceed. 
Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: First Federal Credit Control, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX has violated my Federally Protected Rights under the FDCPA. I sent XXXXXXXX XXXX a letter to cease communication and they failed to comply with federal. I am aware I was never obligated nor responsible to pay a 3 party debt collector pursuant to 15 USC 1692a-3 I have received repeated phone calls with the means of coercing and swindling me into paying an alleged debt under 15 U.S.C 1692d ( 4 ). I have now put you on Notice to Cease Communication from me from all mediums as stated in attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX that my delinquent account from XXXX for {$2400.00} had been sold to EOS CCA, XXXX XXXX XXXX, XXXX, MA XXXX. This was the first I ever heard from XXXX XXXX in over six years. I have been admitted for other procedures and admitting never mentioned there was an alleged past due amount on my account. I never received and past due/demand letter or contacted in any form. I have had the same address and phone numbers for over twenty years. Obviously, I never afforded the opportunity to contact my insurance carrier or the hospital to determine if the charges were legitimate and if so, who 's responsibility the charges were ... the insurance or me. Now EOS CCA has contacted me and demanded payment and threatened to damage my credit and in fact has reported the debt to XXXX. My attorney has advised me that per the Texas Civil Practices & Remedies Code that the statue of limitations on the alleged debt is four years and the debt occurred over six years ago.
I believe the bullet points below summarize my complaint XXXX XXXX sent me one bill 6 years ago, that I reasonably believed was the responsibility of the insurance company. I fully expected to receive another bill after insurance had paid their share. When I didnt receive one, my reasonable assumption was that insurance had paid it in full. Now the hospital has sold my account to EOS CCA that is trying to collect a debt that, per the statute of limitations, is no longer collectible. Even though, per the law, the debt isnt collectible, they have threatened to report me as delinquent to the credit bureaus. o This is a deceptive practice in that I was only given one notice of the debt in 6 years where I had every reason to believe was satisfied by my insurance company o Its also an unfair practice for the collection agency to report a debt as delinquent as an uncollectible debt cant possibly be delinquent. o Its an abusive practice to threaten to harm my credit standing over an alleged debt that I have no legal obligation to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: WELLS FARGO & COMPANY
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX and XXXX, two checks were attempted to be deposited in my account by a XXXX XXXX. The checks were signed using a text box and submitted via mobile deposit. The name used to " sign '' the checks is a name I have not used in over 10 years. Afterwards, a transfer was initiated to a man named XXXX XXXX, to whom I have no connection, by a man named XXXX- assumedly the check holder - of {$1800.00}. XXXX is NOT authorized on my account, I have NEVER authorized another party on my account. I am the only authorized person on my account. 

Both attempted deposits were returned, but the transfer was not. This resulted in my account going negative by {$1400.00}, transfer and overdraft feels hitting my husband 's savings and knocking it down to {$0.00} for a total lost of {$700.00}. I filed claims on all charges IMMEDIATELY. I closed my account, opened a new one, changed all my passwords, and put flags on my social security number, credit report, and with all my other existing credit cards. I told Wells Fargo I do not know how this person got my information, how the mobile deposits were made, or how the wire transfer went through. I know my logins were compromised so I changed my password AND username immediately with Wells Fargo as well. I submitted the fraud claims on all counts. 

OnXX/XX/XXXX, I called to follow up on the claim status. I was advised my claim was denied because " the user had access to my account ''. This is exactly WHY I filed the fraud claim in the first place, I do not know how they gained access to my account. I have run an antivirus on my laptop, reviewed all potential phishing opportunities I may have missed, and have gone through my texts to see if anything was placed on my phone to steal my saved passwords. I have escalated my claim due to the denial, the lack of investigator contact, and no attempts being made to fact-find from me, the account holder and victim. I am now thousands of dollars in debt, unable to pay my bills, and the victim of BLATANTLY OBVIOUS FRAUD that the bank has denied.

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 2020-04-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX charged this collection off and sold to XXXX XXXX. The account has been in full. XXXX XXXX has deleted this account with XXXX but not Equifax or XXXX. Im trying to buy a home and it has been over a year that this account should have been deleted. Remove this account immediately because its hurting my score with false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I signed up for a Square Cash/Cash App account back in XXXX, and my account has been in good standing ever since. 

I noticed over the weekend ( XX/XX/XXXX-XX/XX/XXXX ) that my Cash App card stopped working. After opening the Cash App and going to the Support page, I saw a message saying, " Your Account is Closed '' and " We're really sorry but it looks like your account is in violation of our Terms of Service. ( https : //squareup.comXXXX ). '' I read the Terms of Service, and my account is not and has never been in violation of the Terms of Service. I tried to speak with a representative about this by calling the number on my Square Cash Card ( XXXX ), as well as the number specified in the Terms of Service ( XXXX ), and both numbers played recordings saying to contact support through the Cash App. 

On XX/XX/XXXX, I contacted support through the Cash App as indicated, requesting that my account be reinstated and offering any additional information that might be needed. I received an immediate auto-response by email as follows : -- - Hello XXXX, Your Cash account has been closed and can no longer send or receive payments. 

Reasons for this decision may include your account history, transaction disputes, or other violations of the Cash Terms of Service [ https : //cash.appXXXX ]. 

Unfortunately, we can not provide further details regarding our decision, which is final. We are unable to reactivate the account. 

If you have a stored balance, you can Cash Out the funds. If you have any issues, we recommend that you link a previously used or a new card/bank account. 

To Cash Out : 1. Open the Cash App and tap the dollar amount in the bottom left corner 2. Tap Cash Out > Confirm the Cash Out amount 3. Funds will deposit in 1-3 business days. 

We appreciate your understanding and cooperation with this matter. 

Thank you, Cash Support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 recently submitted identity theft paperwork and requested a block and deletion. I received no response in that regard. The investigation has gone on for more than 60 days now with no resolution.

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 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 am writing to dispute the following information that appears on my consumer report. The source of dispute information is XXXX XXXX XXXX XXXX  XXXX. The type of disputed information is Joint Accounts category of disputed information. The dates associated with item being disputed are XXXX, XXXX and XXXX. The explanation for why this item being disputed is because this charged-off student loan account with XXXX XXXX  is showing as in collection with associated late payments. However I have settled this account in full as of XX/XX/XXXX. XXXX XXXX  provided a letter from XX/XX/XXXX and XX/XX/XXXX showing that this account has been paid-in-full charge-off and that the account has been settled in full as of XX/XX/XXXX. XXXX XXXX  also provided me with a Tax Statement for Year XXXX XXXX Form 1099-C ) with which I filed my XXXX tax return.

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