BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-01
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have submitted for mortgage assistance back in XX/XX/XXXX with XXXX who is our mortgage servicer, this was a re-application of a denial back in XX/XX/2019 telling us we do not qualify based on the calculation with the underwriter we are spending too much money monthly and the mortgage payment is affordable to our gross household income, ( is over 45 % debt to ratio income combined with my wifes and my income ) We worked with XXXX XXXX XXXX to have XXXX assist us with our loan modification paperwork, gladly she has re-submitted the file and followed up on the lender communicated on our behalf while we are at work during business hours. 

We have come across an issue today, After providing a complete file proof of {$4500.00} in funds to use for a loan modification and current income and expense financials we were denied again. We received a letter in email from XXXX which was forwarded by the XXXX XXXX Underwriter dated XX/XX/2019 reasoning all the denials and that we should proceed with liquidation options. However in the letter it does not state we can appeal the denial, and it also states we have a foreclosure sale set now for this Friday XX/XX/2019 less than 3 days from the denial. We are aware of our WA Homeowner Bill of Rights we understand timing and timelines and we have not enough time to do anything here. We communicated via email to the underwriter to XXXX XXXX, and CC her foreclosure manager XXXX XXXX and we did not get a response yet. They emailed us the denial letter which is attached in the body of her email she states we have a trustee sale already dated for this week, the letter says 19 days a required for a sale to be canceled by servicer for any other workout options. We feel that the lender is doing unlawful things here, We are not properly given a time frame for these below The Foreclosure Fairness Act ( FFA ) governs the non-judicial foreclosure process in Washington State. 
The FFA provides the timeline for non-judicial foreclosure in Washington and the responsibilities of mortgage companies and borrowers during the process. 
Under the FFA, the servicer ( the company that sends you your monthly statements ) is required to send three notices before it can foreclose on a home : 1. Notice of Pre-Foreclosure Options 2. Notice of Default ( via a trustee or beneficiary ) 3. Notice of Trustee Sale ( via a trustee or beneficiary ) We are not notified of the sale date in writing, or Notice of Sale filed, we are told in an email less than 4 days away from the denied loan decision. 

Please can you help us here, we are to seek immediate relief to allow proper timing for us to do other workout options or SS, DIL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
I asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXXXXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXXXXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.

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 2023-01-04
Company: EQUIFAX, INC.
State: FL
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update or correct the following items right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXXXXXX {$2200.00} XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello Dear. 

My name is XXXX XXXX XXXX. My social number is XXXX. 
I am writing to you because these incorrect accounts are on my credit report. 
these accounts : XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$2200.00} XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$1400.00} These are not my accounts. I don't know about. 
I sent a remove letter couple of times, but it has not been removed yet and I have not been contacted, so I am sending a letter like this again. 
Please remove these incorrect and wrong accounts from 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Early Warning Services, LLC
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am having an issue opening a Zelle account so I can send and receive money via Zelle using my bank account. I have never opened a Zelle account. I am a victim of identity theft and have been a victim of identity theft for over XXXX years. Someone used my personal information and phone number with several financial institutions to open up a Zelle Account. The Zelle Accounts thats currently open in my name and with my phone number are all fraudulent Zelle Accounts. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX, Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank placed a hold on a check, did not post the balance to the ledger, applied an overdraft fee charge On an ACH payment. This happens monthly, and the banks excuse is it happens often so they justify continually applying fees and holds to my account. On an ACH payment. 

I believe all banks should be forced or limited to the federal interest rate because at this point they are participating in predatory lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since last fall I have sent Freedom Mortgage numerous documents that they have requested, requesting hardship status and requesting loss mitigation. I continually get notices for the same paperwork, documentation that I previously sent and even updated my bank statements and updated wage information. To this date they have not even reached out to me and not let me know why I consistently need to send the same paperwork. I feel I am in a catch 22 of sending documentation over and over with no resolution. 

I would me more than happy to send all the documentation to you to show you what I have sent.

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 2022-09-05
Company: Experian Information Solutions Inc.
State: GA
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:
I asked EXPERIAN to do a verification of everything on my consumer report and they stated they did and that everything was already verified as accurate. However I did my own investigation and found several inaccuracies on my consumer reports, even after EXPERIAN said everything was verified and they conducted a full " investigation ''. Experian removed the XXXX XXXX account in XX/XX/XXXX of 2021. Then experian reinserted XXXX XXXX  on XX/XX/2021 which then violated me per 15 USC 1681i. I have been struggling with the following accounts ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian and the companies listed above have all violated my rights several times over and caused me several damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Sunday XX/XX/2020 I tried to use XXXX from my CHASE bank checking account. I added the payee 's phone number, Chase told me I needed to add my mobile number and download the app. NOT happy about that as I use the cell only for emergencies, no apps on it, I use a landline phone from home. Did it anyway, tried 3 times to send {$1500.00} to the person, rejected twice, then seemed it was processing, then rejected - and then they closed my online banking which I use from my laptop for 'suspicious activity '! No branches open on Sunday plus they stopped taking their customer service phone calls at XXXX PST. Since then they have told me I MUST go into a branch with two IDs even tho I can not find my Social Security card, have been searching for it for months, well before this problem, and btw it is not supposed to be used as ID by Federal Law. I have no passport but I have my Soc Sec number memorized. I have tried multiple times over the phone to unlock my online account, now suspended for suspicious activity. Regular account is open. I am a XXXX senior with a non-working car. They tell me the only way to unlock the online account which is far more accurate than the phone system and can be accessed 24/7 is to go into a branch. I have told them my Soc Sec # on the phone, date of birth, etc. No, I must go into a branch - with my expired ID and no SS card but the number in my head? Asked if I could bring bills with my name on them - no. They are being insanely stubborn about this one simple thing and I have banked with them for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Non stop repeated phone calls. no messages, calling family members phone numbers, not sure how they got the numbers. calling form unknown numbers. text messages to family members. calling on sunday mornings. called on XXXX   sunday morning. weekends. all times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: Nolensville Road Auto Mart, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have tried to settle out the final payoff of my auto loan with Automart. To date I have paid {$10000.00} to this but here pay here lot. 
Down payment : {$1500.00} XX/XX/XXXX Sale Price : {$8400.00} Sales Tax : {$670.00} Title : {$100.00} Admin Fee : {$340.00} XXXX : {$590.00} ( never seen this on a contract and researched to no avail ) Total Balance : {$8700.00} From XX/XX/XXXX to XX/XX/XXXX I have paid : {$9600.00} in monthly payments. 

Dealership apr 24 % Finance Charge : {$3100.00} Dealer is gouging out the payoff. The last scheduled payoff on contract would be XX/XX/XXXX. 

I am being informed I still have a remainder of : {$2100.00} This doesnt add up as I would be paying {$11000.00} and the full term of the loan would be {$11000.00}. Paying the car off a year and 2 months early and only saving {$43.00}. It is my belief that this car dealer should be investigated and observed for misconceptions of the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. 

I am a PayPal customer with email address XXXX Last year, PayPal frozen my account and withheld my money which I received from the state and ruled that I will have access to my money after 180days due to high risks which I didn't understand about.

PayPal is using same techniques to steal customers funds as thousands of people have Complaint about it too.

PayPal told me that I would have my money on XX/XX/2021 through emailed last year when I raised a concern appealing to get the limitation removed. 

I have waited so Long and on XX/XX/2021 I got email from PayPal saying my funds were eligible for withdrawal. But when I want to link my debit card to withdraw it, PayPal says there is issue with my account and I should contact customer service.

I have been PayPal contacting customer service to make adjustment for me to link my debit card to withdraw my funds since the previously linked debit cards are not active. But PayPal customer service representatives I have come in contact with are unprofessional and untrained as they always give a copy and paste response which doesn't even partain to the issue I raised.

My only issue is that I want to be able to link my debit card so I can withdraw my funds.

I want anybody attending to this Complaint to forward this to a specialist in the limitation department to resolve my issue and then to get in touch with CFPB, California Attorney General and XXXX that they have made the adjustment for me to add my debit card, and also I want PayPal to give me a call.

I want to also suggest that the management of PayPal should retrain the customer support teams to handle customers Complaints effectively and not the hectic " copy and paste '' response everyone is complaining about which doesn't resolve any issue.

Also if PayPal put customers account on limitation and ask the customer to wait for 180 days before having access to funds, PayPal should make sure that after 180 days, all features for the customer to withdraw his/her funds are made available so that the customer will withdraw his/her funds without having to contact the untrained support which doesn't exist. 

I have sent more than 50 emails and messages to PayPal without any solution and it's very sad other customers are going through the same process.

After the 180 days, PayPal should enable all features for exit of funds to the customer.

I need my issue resolved and I will never use PayPal again.

I will attach the error message which I receive, a screenshot of email from PayPal saying my funds were eligible for withdrawal I need my issue resolved asap without any delay.

I don't want a response that doesn't resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: WVH, LLC
State: UT
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, My apartment complex XXXX XXXX XXXX approved my 60 day notice to vacate. We found someone else to start a lease with the complex at the end of the 60 days. We got an email on XX/XX/XXXX letting us know of all the expenses for moving out ( photo included of email ). This included our rent for the last month, carpet clean, and con service bill. Also, an optional cleaning ( which we payed for as well ) The total for everything came to {$2000.00}. That amount was payed in full and I have a payment confirmation ( photo included ). I went to the office and they said we will also get our deposit back. I got a final move out statement that says we still owe {$430.00}. One of the charges was a wifi router we accidentally took with us when we moved, which was given back. Another was a key fob we had already returned. They agreed to take both expenses off once bringing the wifi router back. Those expenses were {$180.00} of the {$430.00}. After the {$180.00} was taken off it should have been {$250.00} left. Yet somehow they are saying we still owe XXXX. Also, looking at the statement they sent of what we still owe, it has the carpet clean and conservice bills that we already payed, included in what they say we still owe. I also tried to ask about where the deposit was over text and was ignored. I then got a single text saying they believe they may have charged us twice for our final trash/water/sewer bill and that they would look into it. I never got a message back again. Also, after paying the {$2000.00}, I logged into my account and it had over {$200.00} from that payment that was supposed to go towards any last expenses. I can no longer get access to that account ( I think it was deactivated after we moved? ) and I dont know where that money is now. I then got mail from the dept collector saying I owe XXXX XXXX XXXXXXXX {$340.00}. I called XXXX XXXX XXXXXXXX 5 times since then. The first time, I talked to someone and they said from their end I didnt owe anything else. I told them I got the letter from the dept collector and they asked who I worked with at the complex prior while moving out. I told them which person and they said they would have her call me back within XXXX hours. I didnt hear anything for a week so I called again. They said the same thing. Still didnt call. I then got another notice from the dept collector and tried to call again. This time they said they would send a message and say it was urgent so someone would get ahold of me. Again, no one did. I have now gotten my final notice from the dept collector. I called XXXX XXXX  XXXX one more time and explained the issue i was having to the person on the phone. I was rudely disregarded and told they would call me soon. My credit is now at risk because of XXXX XXXX XXXX blatant disregard for my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked them not to call my XXXX on his number at least 3 times. They will call and leave me a voicemail and if I dont call right back they will call my Fathers number and tell him they are a debt collector looking for me. They should be waiting 48 hours after leaving a vm for me to return the call. They have also left voice mails on my Fathers home number where he then played them outloud so everyone heard that a debt collector is looking for me. Trying to embarrass me does not make money appear in my bank account. Its harassment plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Experian XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX  Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 2. XXXX XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 
Enclosed are copies of ID and proof of mailing address. 
Thank you for your time, XXXX XXXX Enclosures

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