BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company never disclose the fees/interest rates to me. 
I have try to reach out to them several times and finally was able to speak to someone and I ask for a supervisor to see what can they do after they already took {$530.00} from my account they want an extra {$530.00} if I pay today XX/XX/XXXX The loan was {$500.00} open on XX/XX/XXXX FINANCE CHARGE The dollar amount the credit will cost you. 
Amount Financed The amount of credit provided to you or on your behalf. 
Total of Payments The amount you will have paid after you have made all payments as scheduled. 
783.46 % {$2100.00} a total of {$2600.00} I explain my hardship and ask if they could reduce that predatory fees and they told me know and cant assist me. 

I need help! I'm a teacher and don't make enough money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief
Consumer complaint received 2023-05-04
Company: Supreme Lending
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I just bought my first home. I made it very clear to the lender that I was not going to pay points. As a matter of fact, I sent this email to him when he sent me an estimate after I told him that. 
" I thought you said there was no origination fee? But on this form it says origination charges 1.776 % of loan amount and then it says ( points ). That's very high. Can you please clarify? Are there points or not on this loan? And if this is not an origination fee, why does it say it is? I do not want to pay points and why is this fee there. I understand this can be negotiated and I'd feel much better if this fee was not here or it were a lower rate. The payment keeps going up and up and up. I feel like I'm paying a high interest rate already and now an origination fee? Most origination are XXXX5 to 1 %, this is almost 2 %. '' And he said this ... ... There is no free interest rates in todays crazy market & that is not a choice of mine. The Federal government dictates the cost of interest rates. Rate costs are essentially mandatory right now because investors know that people will be refinancing in the very near future & if they did not get up front money for their investment, they would lose XXXX of dollars. '' I told him over and over no points. He made it out to say that they were not points but that he had to " buy '' the loan. At closing, again, he said they were not points but he had to put them in that spot. 
I am a 100 % XXXX veteran and have never bought a home before. I had a lot of questions and he made a lot of promises and then double talked them. I have XXXX and a XXXX XXXX, am on a lot of meds and feel like he took advantage of this. After the closing, he never contacted me again and sold my loan within a week. He would not answer my questions and would not assist me with things he said he would. He promised that the loan rate would go down in XXXX and that we would refinance. He lied and lied and I feel really XXXX  but I was afraid to lose the house as the person who sold it had to take an offer asap. 
In addition to the loan issues, he inappropriately ( he was married and so was she ) and aggressively pursued my female real estate agent ( and friend ) and told her lies about the loan too. She was a novice. On more than one occasion, she asked me to stay with her so she would not have to be alone with him. 
The bottom line is that I can not find anyone to help me with a solid answer as to how it is okay to lie and misrepresent loan fees and points, especially to a XXXX veteran. He also added all the closing costs to my loan after telling me that I was not going to pay any closing costs. The name of the company is Supreme Lending ( Everett Financial ) and the individual who did this is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: JPMORGAN CHASE & CO.
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a flight through this credit cards travel program for a flight on XX/XX/22, the airline never issued my boarding pass. I called chase to try to resolve at the airport but they couldnt get in touch with the airline. Post then, I have called Chase ( the credit card issuer ) to dispute this transaction since I never received the service. I have called Chase between 8-12 times over the course of almost 3 months and never receive an answer or resolution. I was never issued any credits or refund around this ; and have been told numerous times that someone will follow up on the case but no one has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XXXX XXXX 2023, I was enrolled in Experian ID Restoration Services. This was initiated by XXXX XXXX also new name of XXXX XXXX. XXXX XXXX experienced a Data Breach which placed my Personal Information on the World Web for a period of time. This has transitioned into Identity Theft which requires 2-3 hours daily of work relevant to my Credit Restoration XXXX Monitoring, and placing Preventative measures in place. It's amazing how much can be done with my Personal Information. And sad to say, but to some extent this will be a lifetime of work. It seems as if this Identity Thief or Group never takes a break. I'm untrained in this area, and I have never experienced this type of situation. 
It seems although XXXX XXXX has contracted with Experian ID Restoration to aid in my Identity Theft, I am the one having to do all the work, and again in an area in which I have no training in!! 
For months, I have been requesting from my Restoration Specialist, XXXX, the name of her Supervisor, and also the Supervisor who is over Experian ID Works. I have been told for Several months that I will be connected with the Supervisor, but for some strange reason, it never happens. This should be my right.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: FL
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:
This Is a violation of the FCRA and Is also in violation of requisite METRO 2 Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these mentioned derogatory items be and permanently removed from my report. 
I sent a copy of my report to the credit bureau showing all the inconsistencies and errors on my report which was reporting I highlighted all of the issues and I didn't get anything back but a reinvestigation which I didn't not ask for I wanted those item to to removed because of the inaccuracies on my report I also ask for the address to be updated and that has not been updated this company has not done anything but violated my rights as a consumer they have had more then 45 days to resolve the issues and it's hasn't been resolved yet.

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 2020-06-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the process of refinanceing my Mortgage, which I started in XX/XX/2020 I was working with someone from Lakeview Loancare Loan servicing, I had submitted all the info paper work and such and was told I would be closing the end of XXXX. I revieced an email on XX/XX/XXXX From XXXX XXXX Mortgage loan officer not to make my XXXX payment that we were close. I emailed hime several times and he responded that we are all good and close. well when I didnt hear anything back by XX/XX/XXXX I started to call the customer service line because XXXX was not answering my phone calls or emails. I found out that they kick out my refiance because I was 30 days late on my payment. I spoke to a few managers XXXX XXXX XXXX for one who said he was going to see what he could do .. I also spoke to a Mo XXXX and it is now a week later and I have heard nothing back. I made XXXX and XXXX payment now. but I want this refinance they had me locked at 3.1. This is not my fault and terrible costumer service on their part.

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 2023-05-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-31
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXXXXXX  I accepted a balance transfer promotional offer from Chase. The terms of the balance transfer were : 0 % variable APR based on the Rate through your billing cycle that ends in XX/XX/XXXX XXXX with a transaction fee at initiation of 5 % the amount transferred. 

The attached XXXX statement reflects the application of the {$12000.00} balance transfer and the {$600.00} transaction fee. 

I pay the statement balance of this card automatically every month. There was no adequate indication that the statement balance would include the balance transferred under the promotional terms. The automatic payment options on this card are : " Statement balance, '' " Minimum payment, '' or " Fixed payment. '' There is apparently no option for a responsible person to arrange an automatic payment that recognizes the explicit terms of a balance transfer. 

The attached XXXX statement, the very next month, reflects an automatic payment of {$12000.00} ( plus {$96.00} in actual card charges ). 

I called Chase today to attempt to rectify the situation. The agent acknowledged that other cardholders had called with this same difficulty! I was transferred to the payments department. The only resolution they would offer was to reverse the payment, placing the {$12000.00} back onto the Chase card **at the card 's APR of 18.99 % **. Under virtually no circumstances would this be a prudent financial decision. Then I suggested they could refund the transaction fee of {$600.00}. The agent attempted to do so twice and was instantly declined twice, raising the question of what sort of adjudication, if any, is actually applied in these situations. 

With this practice, Chase lures customers to transfer balances up to their credit limit, using an attractive interest rate, collects a generous transaction fee, obtains repayment on a schedule that is inconsistent with the explicit terms of the offer, and then attempts to further gouge the customer at their standard rate. This is further predatory as it victimizes consumers who need their money back enough to justify a usurious interest rate. 

I am a responsible user of credit and to be targeted this way is the exact type of abuse the CFPB was designed to protect against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( XXXX in bankruptcy ) ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016

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 2021-04-30
Company: V and H Portfolio
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Shot and slime this credit reporting company place a collections on my credit report on XX/XX/2021 the collections company is title Vance and Huffman I tired calling this company for over 3 days they have yet to answer the poke more can you get anyone and they never states what the collection is for I try my hardest to keep my credit right and hard working in my credit this company place this on my credit knocked my score down 15 points I need help to resolve this I have nothing on my credit or any collections please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Well I have about two claims with bank of America edd prepaid credit card it's been more than 45 days that they still haven't resolved my claim

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 2023-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
In my XXXX XXXX XXXXXXXX XXXX  account app, it has a feature called XXXXXXXX XXXX journey which allows you to view your credit score and usage. 

When reviewing my account, there is a XXXX XXXX credit card being used under my name. I do not have that card nor do I remember ever opening an account with XXXX and/or 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 non-monetary relief
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2020-06-11
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Around XXXX XX/XX/XXXX time frame, i was issued two store credit cards at Rooms to Go and Value City Furniture stores through Synchrony Bank . I received mail notification dated XX/XX/XXXX that the bank was closing both of the accounts listed. The reason given was based off my credit report/ score.1 ) Too  many Revolving Accounts ( i have no new credit, the same account on my files was there in XXXX when they approved my accounts ), Not enough balance paid off ( My Value City Card {$2000.00} plus balance was paid in full within 12 months on a 36 months finance, there hasn't been any new charges since the initial purchase in XX/XX/XXXX ). To many bank cards with high balance ( I've had the same credit cards now that i had in XXXX when i was approved for the cards in the complaint ), Too many delinquent accounts ( some of the collections on my account is not mines and the credit card accounts with a discrepancy accounts showing closed have been on my credit report since XXXX when these a cards was approved ). Since I've had these cards I have never been late or delinquent on a payment, I have paid my account at least 15 days early each month unless i had paid the account in full in-which Value City has a XXXX  balance.Based on my conversation with their customer service rep is the evaluate customers every 90 days, if so why did they elect to close my account now when the country has been going through a pandemic over the pass three month although the world is going through this time, i have still manage to make on time payments and my credit score is better now than it was when Synchrony Bank done their previous evaluations. I feel that this adverse action was taken out of retaliation based on a dispute i submitted in XX/XX/XXXX of a purchase i made in XX/XX/XXXX where Value City Furniture ordered and delivered me the wrong items and when they refuse to make the corrections I contacted Synchrony Bank where they conducted an investigation and on XX/XX/XXXX issued me a letter crediting my account for the mistake that Value City made on my account. After the credit adjustments was made I received two letters dated XX/XX/XXXX stating both of these accounts was being closed by the bank. Most credit companies if they felt a credit risk and you have been at good standing with that institution a length of time they will lower credit limit verse act in a way to help destroy a customer 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 explanation
Consumer complaint received 2023-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I've desputed XXXX claims with Bank of America and they keep denying them iv| told them numerous times that i didn't receive the money that was taken from the account and i was unaware of these transactions, .. how many times do I have to get denied by them when i keep them the i was a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX XXXX XXXX, I contacted each of the 3 agencies and requested that my credit score be changed to zero ( 0 ). I have not had any open accounts or credit balances in over 3 years and I have frozen my credit inquiries with all 3 bureaus.. 

I do not used credit any more and would like my score to reflect that. After 3 years, I believe it has been a sufficient amount of time to adjust this number.

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