BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
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:
XXXX fraudulent charges were posted to my Chase Account from XXXX on XX/XX/22 in the amounts of {$320.00} and {$100.00}. I called XXXX immediately when I found out my account had been compromised and the representative, I spoke with helped me gain access to my account. Emails from XXXX state my account was accessed via GPS in XXXX, CA while I was away travelling to the XXXX XXXX. XXXX submitted a dispute with the seller that same day. XXXX told me on XX/XX/22 not to contact my bank. On XX/XX/22 I contacted XXXX again as I was getting shipping notifications for the fraudulent charges. They told me Not to worry but that I would need to contact my bank about the charges for refund. I contacted Chase on XX/XX/22 to dispute the charges. I told the representative that I had an email from XXXX with my incident number, but the chase representative stated they did not need it. 
On XX/XX/22 I contacted Chase claims department as the charges had been placed back on my account. I was told my claim was closed and considered unfavorable and the charges we mine. These charges are fraudulent. I have attached supporting documentation. I contacted XXXX XX/XX/22 and the representative stated that their dispute was closed as the sellers the items were purchased from do not exist. I contacted XXXX about the tracking numbers XXXX provided : XXXX & XXXX and XXXX can not tell me the name and address the package was delivered to but states my name and address does not match the shipping label. XXXX can confirm the items were delivered to XXXX, CA XXXX. I did not receive any packages at my address on XX/XX/22 at the times stated delivered. XXXX states that the moment a claim is opened with the bank, they no longer have the option to offer a refund. XXXX fully admits the charges are fraud, but are unable to provide any sort of resolution on their end. 
As of XX/XX/22, Chase XXXX XXXX have both closed the claim stating each other part is responsible for refunding me for the fraudulent charges, even though both companies state the charges do not belong to me. XXXX has admitted there was an internal error that sided with the seller and allowed the packages to still ship and ultimately causing the claim to be denied by Chase. Chase misled me by allowing me to submit supporting documentation to " re-open '' my claim, only to immediately deny it stating they do not re-open fraud claims. Chase states by law they are only allowed one recovery attempt on a claim, and all efforts have been exhausted due to the internal error by XXXX and can no longer assist me. 

A police report was opened XX/XX/22 per Chase 's last response of " It might help and we can see what we can do '' with no promise of reopening my case. Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Managed Recovery Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Spoke to the front desk onXX/XX/XXXX and ask about the accounts they are reporting to credit bureaus. She couldn't give me any info on these accounts and told me to call the original creditor. This collection agency is reporting false and misleading info to the credit bureaus and it affected me tremulously. 

They no longer have the XXXX XXXX XXXX account. 

I called XXXX XXXX XXXX hospital and they could tell me nothing besides calling the solicitor 's office. I called the solicitor 's office and they didn't have anything on record. 

I called XXXX XXXX XXXX and they said I paid {$180.00} onXX/XX/XXXX that was the only info they could provide. 

I called XXXXXX/XX/XXXXand they email me a bogus invoice with false info. I didn't start service until XX/XX/XXXX - XX/XX/2015. They enter an amount at the end of the invoice for {$75.00} with a false date. this is fraud. 

The collection agency is reporting this info but can not validate or have any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2019 I opened a new checking account ( restricted use ) along with a credit card from XXXX ( XXXX XXXX XXXX XXXX XXXX ). Since opening this account I have found out just how restrictive these accounts really are for access to them. There are such limitations as to do not the ability to pay my bill or make deposits from an outside bank. I am often visiting my fiance ' in XXXX XXXX, NV. and have found out that I can not make a deposit into a shared branch account with this credit union under these restricted accounts. I can not make any credit card payments either thru the shared branch network.There are no branches of XXXX in XXXX XXXX, NV. at all. 
The week of XXXX XXXX I spoke with a representative of XXXX over the phone and explained my difficulties as I had an upcoming credit card payment I wanted to make but was still in XXXX XXXX. I told the representative I would be back in town in a week or two and I would make the credit card pymt at a branch as instructed. I came to town on Saturday XXXX XXXX and tried making a deposit at the XXXX, CA. branch that evening but the ATM would not accept my deposit and I was forced to wait until Monday. So I went again on Monday and the ATM would not accept my money. A manager came out of the branch at this time an informed me that the ATM System was having trouble operating. I am never late on any payment on any account as it reflects negatively with a drop in credit standing as mines have 82 points.

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 2020-08-19
Company: EOS Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I sent a written letter, via certified mail, to EOS CCA asking for them to validate an alleged debt for XXXX XXXX amount : {$1900.00} ). In addition, I disputed the validity of this debt to all three credit bureaus. All three bureaus deleted record of this debt. In XXXX, XXXX  explicitly informed me that they found that this debt was invalid and not mine through it's investigation. At this point I hadn't received any communication from EOS CCA. 

On XX/XX/XXXX I received a letter from EOS CCA. All it stated was that it was an attempt to collect a debt and it included the original bill from XXXX that they claimed I owe. It had no other information regarding the legality of their right to collect, no disclosure about my right to dispute this debt, or the age and statute of limitations. 

Beyond this, this debt is so old they can not collect on it. Furthermore, It is invalid. I have proof that the bill in question is made up of fraudulent charges on XXXX 's part. in XXXX XXXX failed to report returned set-top boxes when they were brought to physical locations or stores. the set-top boxes that are being charged were returned. Furthermore, the date of the bill does not coincide when I actually lived at the address listed. I moved away in XXXX of XXXX. The account was closed way before the time of the bill and we have proof of payments made. This has been proven. EOS CCA, also intentionally sent the letter I'm referring to the wrong address. IN my initial correspondence with them, I explicitly outline my correct mailing address both on the return receipt and within the letter itself. By sending it to the wrong address, it risked my not receiving it AT ALL, thankfully it was forwarded to my correct address and I received it two weeks after its original listed date. Ibelieve they did this to perverse my ability to respond in a timely manner. 

I believe EOS CCA is trying to coerce me to pay for a debt I do not owe. They used tactics to attempt to confuse, elude, and bait me to pay them money without listing the necessary information required, my rights as a consumer, and using minimal language to create fear and frustration that might lead me to irrationally respond. 

If they continue to try to collect on this alleged debt, I will take legal action to prove this debt is not valid and that their practices have violated the Fair Debt Collection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-09-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX of students with XXXX for over a decade. I was assured multiple times by multiple people at FedLoan Servicing that I was signed up, on-track, and making payments towards the Public Service Loan Forgiveness ( PSLF ) I am eligible for. In fact, the only reason I am with this loan service at all is because I signed up for this loan forgiveness opportunity. But then I received an email on XX/XX/XXXX alerting me that my payments would no longer count towards my loan forgiveness if I did not update to a different repayment plan. I emailed and called customer service ( several times ) for next steps, only to eventually learn that I have not been signed up for the forgiveness plan since XX/XX/XXXX! Therefore, they told me none of my payments had counted! If that's true, I will end up needing to pay off my entire student loan before I would be eligible for forgiveness! But I had been reassured so many times that it was alright. When I went back to school in XX/XX/XXXX, my loans automatically deferred. I called back then in a panic thinking that this might ruin my loan forgiveness, but the representative then assured me that wasn't the case and even passed me on to a PSLF specialist to be sure. The customer representative I spoke to on XX/XX/XXXX, although professional, did not have anything to say for the company or for my astonishment and complaints other than he can not speak for someone else. How can it suddenly change like that? Why do none of my previous payments count anymore? Why did several representatives all assure me I was on track if I wasn't? I feel scammed and betrayed by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my transunion credit file XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my XXXX profile XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-19
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
I tried to open a savings account with a credit union but was blocked due to a Chex Systems charge-off from XXXX XXXX XXXX saying I owe {$140.00}. I have never had an account with XXXX XXXX XXXX. In the past few years up till XXXX, I have had multiple credit checks without this issue being flagged. I have had first-time homeowner counseling with a HUD-approved non-profit in early XXXX and this issue was never flagged. 

In the past month, XXXX XXXX bought out XXXX XXXX, which my parents had an account with in the past but their account was closed in XX/XX/2014 and they paid any balance owed. I have never had an XXXX XXXX account. XXXX XXXX XX/XX/XXXXis claiming a balance on an account that never existed and is not giving me documentation saying that I do not owe them the amount.

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 2019-07-19
Company: Experian Information Solutions Inc.
State: NC
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:
Dear CFBP I am filing a complaint against Experian for failing to correct information reported by XXXX XXXX for account number XXXX. I sent them documentation from my bank proving they were paid on time but they did not do anything to correct the errant reporting from XXXX XXXX. Please have them remove the account from my credit report for inaccuracy. 

Thanks for you help in this matter, XXXX 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 2019-07-19
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We bought our current house in XX/XX/XXXX, XX/XX/XXXX NewRez bought our previous lender, NewPenn, and took on our mortgage loan. As of XX/XX/XXXX of this year NewRez increased our mortgage payment 25 % ( {$560.00} ) and they can not explain why. Our taxes did not increase and our insurance did not increase. They are claiming that they need a {$5400.00} starting balance in the escrow account and a required cushion of {$1600.00} in the escrow account and with those two amounts pushed the escrow account negative and are saying we have an escrow shortage now. They increased our escrow payment from {$800.00} to {$1300.00} a month. According RESPA they are not allowed to charge us any more than 1/12 of our annual escrow charges and can not keep a balance in the escrow account of more than 1/6 of the annual escrow charges. They are doing all of the above. Our property taxes and insurance premiums come to $ XXXX, divide that by 12 months and our escrow payment should be {$860.00}, and they increased our escrow payment to {$1300.00}. I don't even know where they got that number from. We have called them twice since we became aware of this increase and they can not explain any of the increases, all they say is they advice us to look at the escrow analysis, which is what we told them we were looking at when we were talking to them. They said there was not a supervisor who could explain the details of the loan to us. I was on hold for 15 minutes waiting for someone to get a supervisor and she came back and said no one was available but she talked to a " Lead '' and they said they can legally do what they are doing. I told her that according to RESPA they can not require me to deposit in excess of 1/12 of the total amount of estimated charges for escrow and she said that they can collect two months worth of mortgage. I have never had a mortgage lender increase my mortgage because they state they require a {$5400.00} starting balance and an additional {$1600.00} required cushion in the escrow account. They have increased our monthly mortgage payment from {$2200.00} to {$2700.00} and can not explain any of it to us. Nothing has increased in taxes or insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank accepted a {$50000.00} Electronic Fund Transfer without hesitation. Upon attempting to transfer these funds to an external account, I discovered that US Bank arbitrarily places a {$5000.00} per day limit on external transfers. When inquiring with Customer Service, I was advised " there is no way to transfer funds in excess of the limit '', and was advised I could ONLY wire the funds ( in excess of the {$5000.00} daily limit ) for a {$30.00} fee. The customer service representative spoke with identified herself as XXXX. I asked XXXX to ask for an exception, she attempted to transfer me to a supervisor named XXXX. XXXX advised XXXX " was in a meeting '' but would call me back by the end of day. There was no call back. 

This is an arbitrary limit placed of funds to retain the funds, or to secure additional fees

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 2019-11-21
Company: SYNCHRONY FINANCIAL
State: CT
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 went to check my credit via XXXX  XXXX and it says that I have a hard inquiry from Amazon, and now my credit went down four points. I contacted the bank associated with the crediting of the financials through Amazon. " Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX '' This credit inquiry was taken out on XX/XX/2019 and I never applied for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Every time I call they put me on hold for over an hour. One person says he can help me and then he puts me on hold and does not get back to me. I have a simple question. Where am I at with my PSLF application? For some reason nobody can give me an answer and they continue to put me on hold after I actually talk to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
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: Their investigation did not fix an error on your report

Complaint:
Hello This complaint is against the credit reporting company Equifax. This is a complaint that Equifax lied and said they verified two accounts on my credit report using XXXX when they have not done so. That is a violation of my rights as a consumer. They have not notified XXXX or contacted them because 1. My XXXX XXXX account has a freeze on it and no one can access it and 2. I called XXXX and asked them did any company access any information from my account and they replied no one has contacted them about my account this year. 

Equifax have responded to my complaints through CFPB stating that it is verified on XX/XX/2019 but that is a lie because I called XXXX and the said no one has attempted to access my account to check anything. The time for lying is over and treating consumers this way is not acceptable. Please fix this or send to the agency that will. Thank you. 

Equifax sent a response today XXXX to CFPB saying that they will investigate company reporting info to them. This is another lie thats being told. They have not done the investigation three months ago when I first ask them to verify the two accounts and lied saying it is verified with no proof or documentation to validate it. And to top it off XXXX told me that no one has not contacted them to review my account this year so Equifax is a lie because they stated in the letter that they use XXXX to verify the two accounts. They are violating my consumers rights with this lie by not doing their job. 

PS. Sending Equifax this complaint will do no good because they will lie to you by saying it is verified. I want action and a resolution not more lies. CFPB needs to get involved with this not Equifax [ Previous complaint ... ... ..I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Equifax with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX XXXX XXXX. I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told Equifax that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19
Company: Selene Finance LP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home sustained severe damage from Hurricane Michael in XXXX of 2018. I filed a homeowners claim with XXXX XXXX XXXX immediately. Insurance came to inspect and wrote me three checks which seemed insufficient to cover the repairs. I tried to contact my insurance company over a period of months regarding their estimate and the man handling my claim would never return my calls. After getting tired of waiting, I hired a public adjuster to help me with my claim ( XXXX XXXX XXXX XXXX ). Long story short, the insurance company and the public adjuster reached an agreement and they sent a check made out to myself, the P.A., and Selene Finance ( my mortgagee ). I sent the check to Selene Finance after the P.A. and I endorsed it about a month ago. This check was for {$90000.00}. Now Selene has over {$110000.00} total that I've sent to them from insurance. ( The contractor 's estimate is {$95000.00} ) Selene Finance is refusing to release funds to cover the 10 % fee charged by the public adjuster.

Company response to consumer: Closed with explanation