BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Company : SPS, Select Portfolio Servicing Issue : they did not process my Rate Renewal application. 

I asked them for Rate Renewal application 3 months ago. About two months ago, I were asked to file a dispute and wait for 30 days for a response. I were then told to wait another 30 days. I received a letter Dated XX/XX/XXXX, asked to call back to ... complete an application. Due to COVID-19, I only got the letter yesterday. I called them back today, XX/XX/XXXX. They still do nothing, I asked to escalate to manager, after long wait, I were told that no manager available, so disappoint ... Please help.

Background info : 1 ) The mortgage load was provided by XXXX XXXX originally, with a Rate Renew Feature : ... Apply for a Rate Renewal and relock your rate for another 5 years .... I did it several times. 
2 ) The loan was Transferred to XXXX  XXXX, I did another Rate Renewal XX/XX/XXXX, relocked the rate to XX/XX/XXXX 3 ) The loan was then Transferred to SPS. They did not follow the mortgage documentations, for an example, not long after transfer, they hiked the rate. When I asked them for a Rate Renewal, they appeared to know nothing about it, I were allowed a dispute only after long phone call and after I sent them copies of the original load documents and a copy of Rate Renew I did in past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I placed 2 wire transfers, one for {$50000.00} and the other one for {$11000.00} afer I receive a few e-mails from my supplier of 3 years saying their bank account was being audited and that I needed to send the money for the order to a different bank account in XXXX. A couple of days later I found out that I had been a victim of a cyberattack and that my e-mail had been compromised, so the information I received from my supplier was actually from scammers posing as my suppliers. I immediately went to the bank in person and did a wire recall on both wires, I hired a cybersecurity company that was able to find out I had been a victim of a scam from XXXX. I filed an FBI complaint, I filed a police report and sent all information to the bank. 

I continued calling every week a '' er and went in person to the bank but got no response. On XX/XX/XXXX ; JPMorgan chase got back to me with this message : Here is the status of your request : - Your request was submitted on XX/XX/2023. - XXXX - We have attempted to contact Credit party on several occasions, but have not received a response. At this time, we can not take any further action on this inquiry and suggest that you contact them directly in order to resolve the matter. XXXX Please be advised that we have tried to contact CreditParty on several occasions requesting Return Of Funds. As of today we have not received any response. We kindly recommend that you contact them directly if matter remains outstanding. In the event they subsequently contact us, we will advise you accordingly. 

On XX/XX/2023 I filed a complaint with the Office of the Currency Comptroller under Case # XXXX and the bank responded on XX/XX/XXXX stating that their position was the same, they could not do anything to recover my money. I filed an appeal with the OCC on XX/XX/XXXX but I have not received a response yet. 

I would like to understand if there is any other action I can take as this has put an enormous financial hurdle in my company and I am not sure what else to do to recover this money. 

Thank you. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have a personal loan in the amount that has a balance of {$10000.00} I called in to pay off the loan and was given a payoff of {$12000.00}. I am being punished for paying it off early and that is in my opinion usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Persolve, LLC - Legal - Series 2
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt collecting company sent me a XXXX ( cancellation of debt ), which they filed with the IRS on XX/XX/2020. My 2020 IRS Transcript has proof of this cancellation. In the Identifiable Event Code section of the XXXX, the debt company wrote " By Agreement '' but I did not agree to any of these decisions and if there is an agreement, I request to see the proof. 

This account is reporting on my XXXX Credit Report as a collection item. It is accruing interest and fees and has a balance of {$24000.00}. All of which should be reporting as {$0.00} because of the debt cancellation. This matter has been affecting my credit, my credit score and my personal life because I have not been able to get approved for credit. 

This same account is reporting as a {$0.00} balance on my XXXX Consumer Report. The inaccuracy of the reporting is a violation of the Consumer Reporting Act. I want this account and its entirety deleted and removed from my credit report immediately. Again, the information is incorrect, and it is also fraudulent behavior because it was listed as an agreement. Please verify this debt and remove it from my consumer report as soon as possible to ensure that I am being treated fairly in my pursuit of happiness under the US Constitution and the Fair Credit Reporting Act. 

I have reached out to the company, but the gatekeeper would not allow me to speak with the supervisor or manager. Please help me correct these errors. 

( In the attachments you will see my XXXX Credit Report with the balance showing {$0.00}. You will also see the IRS Transcipt showing a XXXX Cancellation of Debt for this matter with the balance showing {$0.00}. You will also see 3 screenshots from my XXXX XXXX XXXX XXXX which is connected to my XXXX Conusmer Report and shows the incorrect balance of {$24000.00}. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Modoc Tribe Financial Services Authority
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I had revoked my ACH authorization with this lender as I have enrolled the account in a debt management program. They had already ceased making ACH withdrawals from my checking account for two billing periods, however they made a new ACH withdrawal today without my authorization. 

I called and spoke with a representative who offered to revoke the ACH authorization, however I explained to her that had already been done and the company reinstated it without my authorization. She was unable to get a supervisor on the phone to help escalate but told me I should expect to receive a call back later today. 

I'm not optimistic about receiving this call but I'm more concerned with this company 's tactic of reinstating ACH payments without my authorization, and am not convinced they won't do so again in the future so I'd like to know what options of recourse I might have in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Block, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I became a victim of fraudulent charges on my Square debit card. There were a total of XXXX unauthorized transactions on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made Square aware XXXX the charges on XX/XX/2023. The Rep, XXXX, was sorry this happened to me and assisted me with disputing charges. During the call I disputed all charges. XXXX assured me someone will be reaching me if they needed any additional information. XXXX also stated that all charges were made online. 

XX/XX/2023 I received numerous emails from Square stating that these charges were found to be fraudulent and my account will reflect the refunds within 5-10 business days. I received all with the exception one charge back. 
XXXX {$510.00} HAS NOT BEEN REFUNDED Ive called Square every business day since XX/XX/XXXX asking to speak with a manager and dispute team. Ive been told every conversation that the teams communicate via email no phone calls, however, no one has reached back to me in this matter only reps. I get told every day that Im requesting a thorough investigation on my account but I am not getting anywhere. This is the first time this has happened and I feel like I reached a dead end. I hope someone can help me receive my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Someone stole entire purse with forms of ID and social security cards and my cell phone that was logged into my mobile banking. I have a police report and proof to show that someone stole my stuff and information and did the things my account was closed for. I was relying on my direct deposit. My rent is due. And they won't let me access my money or account they just closed it before ever giving me a chance to come in and show them the police report and to prove the fraud wasn't me. They closed it without ever giving me an opportunity to replace my stolen ID and come into the branch. The people who did this changed my username and password to my online account using the phone they stole from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My name is XXXX XXXX I purchased my vehicle in XXXX of last year. I had a car by American car center and realized my contract was different I stop paying the car note. Now my vehicle got repossessed by Westlake portfolio I want to call the credit bureau to get my credit removed of the account

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 2023-08-15
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Paypal is charging me XXXX, i did not authorize and it was froud. 

Paypal Account # XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
When we were shopping for a mortgage, Chase Manhattan offered to match the terms a competitor offered by issuing a refund in the amount of {$1400.00}. This was communicated by the Chase mortgage broker via email on XX/XX/2023. 

After we closed on our property on XX/XX/2023 we reached out to our broker to inquire about the refund and he said that it was being worked on. Since then we have had at least XXXX calls and have sent XXXX email messages to get the refund processed to no avail. 

We tried to escalate this via the Chase internal complaint portal on Chase.com in early XXXXXXXX XXXX XXXX but the refund hasn't been issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Jp Morgan/Chase Keeps calling me on in regards to my credit card. I do owe a balance and spoke with a gentleman already on XX/XX/23 XXXX XXXX - XXXX. I spoke with him letting him know the situation & that I can not make a payment until next month He called same day before that earlier in the day but went to voicemail. 


I then have a lady call me at XX/XX/23 first at around XXXX today & then called me again at XXXX. ID XXXX XXXX.. Tried to argue with me & said they didnt call in regards to this specific credit card since XXXX WHICH WAS A TOTAL LIE. I told her the same thing that I told the guy on the XX/XX/23 & she kept badgering me telling me well when are you going to make the payment? 

They are calling at least 2-3 times a day I believe is violating the conversation Frequency prong as well as the seven day rule!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2023 I used my American Express Credit Card to hire a BRAND new law-firm in Arkansas who had been recommended to me by a friend-of-a-friend to help me in my child custody case. I had never met this lawyer in person, but I was in a bit of an emergency situation because I had just been hit with a surprise child-custody case that had been filed against me by my ex-husband, and I was trying to stop the emergency hearing from happening without me because I was living out-of-state. When the law firm who agreed to help me last minute tried to run my credit card, it flagged with American Express as fraud. That surprised me, but since it was an emergency situation, I overrode the charges ( and my instincts ) and let them charge it anyway for {$3500.00}. After that, things didn't get better, and last month, my American Express card mysteriously lowered my credit limit without warning me and without explaining why. 
Also, my law firm XXXX XXXX XXXX XXXX XXXX in XXXX, AR ) has been very unprofessional in a number of various ways, and very difficult to get in touch with. She ( XXXX XXXX ) keeps neglecting to give me important information, she wanted me to get a psychological evaluation for {$5500.00} ( I didn't! ) she let me waste an airline flight to Arkansas by not giving me vital info sooner, and I am concerned that in not knowing her/them, being recommended to them by someone I may or may not trust, and having their credit charge flag as fraud, are all huge red flags! Then, with my credit company suddenly lowering my credit limit... none of it adds up or makes sense! Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These accounts are not supposed to be reporting on my credit report. In accordance with the Fair Credit Reporting Act these accounts has violated my rights. 

15 USC 1681 section A states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I had a fraud of XXXX dollars for XXXX on XX/XX/XXXX but my bank says they can't do anything, I want them to cancel that transaction or give me back some of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: Block, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I ordered XXXX pairs of shoes from XXXX using XXXX for the first time. It was ordered on XXXXXXXX XXXX XXXX. XXXX has no receipt of this order and XXXX has stopped allowing customers to speak to a live person. Everything has to be done online. I have not received my order and they have deducted XXXX payments from my XXXX XXXX account. I want a full refund or get my order. This is a sham company and I have filed a complaint with them. They responded with an email that someone will ( doubt it ) contact you in 5 business days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.

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 2023-08-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Chase Freedom Credit card in the mail with a $ XXXX credit limit. I never applied for this card. When I called Chase, they said the card application was opened on XX/XX/XXXX, however, they could not tell me by which means ( phone call or online application? ). I recently applied for a mortgage so I'm thinking someone took my indentity and opened this Chase card fraudulently. I suspect it was Chase but because I was applying for a mortgage, my credit report was pulled and there was alot of personal and financial info moving about which made me suseptible to fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo was charging me and taking money from my account and when I called or went to the brand they wouldn't provide me with any information about why they were taking my money and charging me XXXX charges which my account was always in the negatives when I deposited every check and received direct deposit then Wells Fargo closed my account with a charged off negative balance

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 2023-05-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
It is Equifaxs duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Equifax is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2017. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in XXXX violating my federally protected consumer rights. 
Additionally, I did not give Equifax written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Equifax has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/23 I called and asked for mortgage statement instead I received the amount that I owed instead of requesting information. I did explained that already have financial arrangements for mortgage and really needed form due to deadline for mortgage grant company. I felt racism and trying to kick a hurt person down due to whatever is going on in their daily life. When I was treated that way It made extremely depressed. I didn't need to be reminded I just called for some help during my hard time in life. Lakeview loancare is the ones that sent hardship mortgage grant to me but just didn't seem she was interested in helping me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Kikoff 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: Information belongs to someone else

Complaint:
Earlier this year XX/XX/23. A complaint was made about two fraudulent Kickoff accounts that was a secured loan and Kickoff charge off account that was reporting on my XXXX, XXXX and XXXX credit report. Both accounts was successfully removed from my XXXX account, but never removed from my XXXX nor XXXX account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had a bank account with Wells Fargo between XXXX and XXXX and I was charged overdraft fees incorrectly.

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