BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I received a notice from Chase Bank USA in the mail stating that the terms of my cardmember agreement had been revised and that my Cash Advance APR rate would arbitrarily rise from 19.49 % to 25.24 %. I called the hotline posted on the notice and spoke with a customer service representative from Chase to dispute the changes to the agreement. The representative was kind, but told me that my only option to reject the interest rate hike was to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Experian Information Solutions Inc.
State: MI
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:
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.

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 2017-03-28
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I presented XXXX items totalling XXXX USD to the TD Bank, N.A ( the " Bank '' ) branch located at XXXX, XXXX, MA XXXX. The amount credited for the deposit was XXXX USD, XXXX USD less than the amount of the items deposited. 

On XX/XX/2017, after the deposit posted to my account, I noticed the discrepancy and notified the Bank of the error. During this call, the representative was able to confirm the missing amount based on the check images collected by the Bank at the time of deposit. The representative informed me that they would escalate to an appropriate organization within the Bank and that the error would be corrected within 2-3 business days. 

On XX/XX/2017, I noticed that the error remained unresolved. I contacted the Bank again regarding the error and was told that the error would be corrected within one week of the original notice ( by XX/XX/2017 ). 

On XX/XX/2017, the error continued to remain unresolved and I contacted TD Bank , N.A . again regarding the error. The representative, XXXX, noted that there was no record of any request made during the previous calls. The representative contacted their supervisor, XXXX, to escalate a request within the Bank and have it expedited such that it would be resolved within 2 business days. 

On XX/XX/2017, I am filing this complaint with the CFPB. It has been over a month since the issue was first raised with TD Bank , N.A . and, after multiple good faith attempts to resolve the issue, the TD Bank , N.A . continues to fail at delivering on its promises to correct the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2022 {$720.00} I sent a dispute letter requesting validation and they did not validate the account and the representative with XXXX was asking for my legal name and I refused to provide so he used tactics to scare me and provide legal last name and then he went on to say that they will continue to report to the credit bureau even though they did not validate my dispute.

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 2016-10-27
Company: West Virginia Housing Development Fund
State: WV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is not one specific incident, simply a frustration with a recent change to mortgage billing. I believe a law has recently been enacted that requires monthly billing statements rather than coupon booklets ; I presume the method behind that is to serve as a reminder for borrowers to make their payment, rather than being expected to submit payment on their own via coupon booklet without prompting. That, in and of itself, is ridiculous ... .the mortgage payment is due at the same time every month ... 
if you ca n't be responsible for making such an important payment, then a late charge or being reported to the credit bureaus, is simply a consequence that you 've earned. All of that aside- if monthly billing statements are necessary, why can they not be mailed out earlier in the month? Typically these statements are cut in the middle of the month, by the time I receive the billing statement, often I 've already mailed payment in. It 's frustrating, because losing the ability to use a coupon booklet limits the control you have on when payment can be mailed & what documents you have available to you before issuing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
One of my loan holders has filed a lawsuit against my co signer and never contacted me. My father is XXXX years old and on a fixed income. I have not had reliable income in years. I am finally able to go back to school to finish my degree. I do n't know who is filing the law suit, and they do n't give any information on the summons my father got. It does not list the date or time of the hearing, just that he is being summoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I got an email from my loan consolidator that my monthly payments are going to be changed because my " original loan servicer notified us that the amount we sent them to pay off your loans did not match the actual amount due. We have adjusted your balance accordingly. '' I did n't receive any information about which servicer sent this notification, how much my balance would be changed, etc. I paid over {$7000.00} in interest last year on student loans and my balance moved a minuscule {$1000.00} from {$110000.00} to {$110000.00} balance. Not to mention I receive no tax deductions for paying this interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Capio Partners, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
My XXXX and XXXX credit file indicates an open collection from this deceptive company " Capio Partners '', with whom I 've never talked to or heard from. I have no knowledge of this debt and it appears to be a fraudulent, deceptive, unfair, collection attempt. I tried to call them and the phone numbers XXXX only ring busy and disconnect. My credit file indicates accounts XXXX and XXXX. This company has never validated this debt per FDCPA and I have no business with them or any medical billing outstanding. They are attempting to extort funds from me by ruining my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 I have received a notification from PayPal that XXXX USD were credited to my account for selling goods. I am not a businessperson, I do not sell any goods. I have immediately notified PayPal about this and asked them to cancel this transaction. They replied that I can send the money back, but I have to pay 4.49 % fee for doing this. I refused to pay the fee because I have not initiated any transaction or asked for any service. PayPal refused to cancel the transaction. I told them that this is fraud. I can not accept money for goods if I haven't sold anything. But they again told me that I have to pay a fee even though I wasn't in any way involved in the fraudulent transaction. I find this unacceptable. I should not be charged to their fraud. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Penny Mac loan services is messing up my credit by not applying my payments accurately and their system is not taking my payment timely. Since they acquired my loan I have had delinquent credit reporting for this type of issue. They inaccurately reported my loan 30 days late for XX/XX/2016. I successfully remitted my payment on XX/XX/2016 through the website and it was taken out of my account on XX/XX/2016. Please refer to my bank statement attached. On XX/XX/2016, I logged on an made a payment for XXXX 2016. To date my payment was not taken from my account so I make another payment. This is ridiculous and my consumer protection rights are being violated. My account has been assessed XXXX late fees and property inspection fees for XX/XX/XXXX and XX/XX/2016. My credit has been adversely impacted and my credit score has dropped XXXX points. 
This is a demand letter and I am going to file a lawsuit in federal district court as I am unable to get a loan for XXXX and have damages now over {$75000.00} to to loss of credit opportunities. Since acquiring my loan, my credit has been impacted with XXXX 30 day late credit reporting. If my credit is not suppressed for XX/XX/2016, XX/XX/2016, and XX/XX/2016, I will proceed with filing a lawsuit Pro Se XXXX. Please be aware that I have already filed a complaint with HUD do to loss of refinance opportunities and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XX/XX/18 i have been trying to get an UPDATED payoff demand so that Bank of American can receive a FULL PAYOFF ... ... ... ... ... ... .BAC is claiming the authorization was denied because the signatures dont matcH .... OF COURSE THEY DONT MATCH THE ORIGINAL SIGNOR IS DEAD!!!!!!!!!!!!!!!. I have faxed in the authorization, copy of death certificate, and the probate paperwork MULTIPLE TIMES. ( see attached ) Bank of America is REFUSING TO PROVIDE A PAYOFF DEMAND TO ME AS THE AUTHORIZED THIRD PARTY.

WHY is Bank of America allowed to do this -- - isnt this ILLEGAL????????????????

I want a payoff demand immediately and without further delay.

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 2021-09-29
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. 
I was a member for years. I joined this company for home warranty protection. 
So you pay a monthly fee. When you have an appliance that needs to be repaired, in addition to the monthly fee. You pay {$75.00} before they come out. They request you use a credit card. I used XXXX XXXX. You give them your card over the phone etc. 
My problem was that the company kept my card and continued to charge me even though I was paying them monthly through my on line banking account. I didnt know until months later when I inquired about why my XXXX XXXX billed kept a balance. 
Once I was informed. I contacted XXXX XXXX  XXXX for the return of un authorized charges. They refused. They said my monthly payment has gone up. So they used my credit card for the difference. I informed them that they shouldve informed me by telephone, letter or email. That my charge was only used for emergencies. 
I wrote XXXX XXXX XXXX. Complaint # XXXX-Ref # XXXX. It was not resolved. XXXX XXXX XXXX wouldnt return my money. Said I could cancel. So I did. I accidentally paid them through bill pay the following month. Was unable to cancel. I recently got a bill from a collection agency requesting payment from XXXX XXXX XXXX as a debt collection. Nationwide Credit , Inc. NCI XXXX. I contacted them. They informed me that if I paid them {$240.00}. They would stop billing me. I informed that I wasnt paying. To stop contacting me. That XXXX XXXX XXXX owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried contacting the company to advise them that this is not my debt but I cant get anyone to respond to me. This account came up last year and I disputed this account with another collection agency and it was found to be inaccurate, but now this new agency is trying to collect on this same debt that was proven to be inaccurate. This is not my account and Ive never had XXXX. I dont understand why this is still happening without any notice to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We got a call from something called PayPal Credit. We have always minimized credit card use. I have heard of pay pay but I have never set up or used " pay pal credit ''. They said I had an unpaid amount of {$400.00} from XXXX XXXX 2015. Why so long to call and ask about it? They said this exact amount was to a company called XXXX which I had never heard of. They had no information about what was purchased. There is no company on the internet by that name. I do know the VA and OPM were hacked and Federal employees had their personal information hacked and I do believe this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Obtained this card through a store for a purchase I was making at the time, got a promotional purchase that allowed me to pay interest free if paid by a certain time. I had since not used the card but had automated payments going thru each month a bill was due and not once had I missed a payment. My intentions was to pay the card off as the promotion is coming to an end, I received a credit alert saying that Synchrony had reduced my available credit from {$500.00} to {$250.00} for no reason at all. I had not authorized Synchrony to pull my credit nor would they have a reason to do so given that this account is fairly new and hasn't been used that much ( at least not in the moment ). As of a result of Synchrony 's action it had reduced my credit score and reflects poorly overall for my credit utilization. This has potential to harm me financially in the short term for again no reason at all. I had not applied for anything further from synchrony and in fact hold a Amazon account with them that is also paid for automatically and has never been delinquent,

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 2021-07-27
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid still in showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
With regard to Case number : XXXX United Bank locked up my account. 
Peoples United Bank returned only half my fundsPeoples United is still assessing their gratuitous feesMy XXXX does n't understand that this is just another reason XXXX. 
I am XXXX years old and I do not deserve to be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am submitting this complaint against PennyMac, the servicer for a mortgage on my primary residence. PennyMac has erroneously force-placed insurance on my property, and I have been unable to resolve the issue with the mortgage servicer directly. The original mortgage amount was {$170000.00}. The current outstanding mortgage amount is {$100000.00}. The current value of the property is approximately {$270000.00}. Therefore, at this time the property has over 60 % of equity in it. 

The property is located in a condominium building in XXXX XXXX, Florida. The property is fully insured to replacement value for all hazards under the condos master policy as required by Florida Statute 718.111 ( 11 ). The attached copy of the Certificates of Insurance for the property evidencing this coverage has been submitted to PennyMac numerous times via fax and email. The coverage amount is {>= $1,000,000} for the 72-unit building, which equates to each unit coverage for {$130000.00} which is {$33000.00} over the outstanding mortgage balance. The latest copy was submitted to PennyMac via email on XX/XX/XXXX, and confirmation of submission was received on that same day. However, on XX/XX/XXXX, a letter was received from PennyMac indicating the coverage information had not been processed ( see copy of letter attached ). As a result, forced-placed insurance in the amount of {$25000.00} was placed on my property on XX/XX/XXXX at an exorbitant cost of {$1500.00} ( copy of Forced Insurance attached ). 

I contacted PennyMac several times by phone and email to discuss the misperception that my policy was not fully insured according to Section 5 of the recorded mortgage, copy attached. I contacted PennyMac by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and spoke to agents for nearly one hour each time. I also contacted the servicer by email XX/XX/XXXX and XX/XX/XXXX. During each contact, I advised PennyMac of the existence of replacement value coverage and my ability to self-pay any damage in excess of that amount from personal cash reserves. However, the company refuses to remove the forced policy and continues to indicate my unit is underinsured. Assistance is requested to resolve this costly misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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 filed a dispute with Equifax, XXXX and XXXX  in regards to incorrect items on my credit report. It has been well over the 30 days and I haven't received any investigation results. I have several items on my account the need to be removed due to inaccurate information. 
1. XXXX  - Late payment - never late 2. XXXX XXXX- Not my account 3. XXXX XXXX - Not my account 4. XXXX XXXX  account- Not my account 5. XXXX XXXX XXXX XXXX Never late 6. XXXX account - Not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: Capital Management Services, LP
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:
I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.

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