BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I HAVE A MORTGA GE WITH JPMORGAN CHASE &  CO AND I REQUESTED MORTGAGE ASSISTANCE WHICH WAS DENIED ON  XXXX   XXXX ,  XXXX . THE AGENT THAT INFORMED ME OF THIS DECISION TOLD ME TO MAKE SOME PAYMENT BEFORE  XXXX   XXXX ,  XXXX . ON  XXXX   XXXX ,  XXXX , I WAS 4 MONTHS PAST DUE ON THE MORTGAGE AND THE AGENT ADVISED ME TO MAKE THE  XXXX   XXXX ,  XXXX  TO KEEP THE PAST DUE TO LESS THAN 5 MONTHS.     I MADE A {$2000.00} PART PAYMENT ON THE MORTGAGE INSTALLMENT DUE OF APPROXIMATELY {$3700.00} FOR PRINCIPLE, INTEREST, AND ESCROW. I MADE A FURTHER PAYMENT OF A PAST DUE MONTH ON  XXXX   XXXX ,  XXXX .     CHASE RETURNED BOTH PAYMENTS TO ME AND WOULD NOT ACCEPT ANY PAYMENTS LESS THAN 3 MONTHS PAST DUE OR {$11000.00}. I HAD PAID THEM APPROXIMATELY {$5700.00} TO CATCH UP ON PAST DUE AMOUNTS AND REFUDED ANYTHING LESS THAN {$11000.00}. I NEVER HAVE EXPERIENCED ANY CREDITOR REFUSING PAYMENT UNLESS IT WAS A MINIMUM AMOUNT. THIS PRACTICE IS AN EXCUSE TO ALLOW THEM TO PROCEED TO FORECLOSURE AND MAKE A WINDFALL PROFIT ON THIS MORTGAGE WHICH WAS PURCHASED BY  CHASE FROM THE  FICA AS A RESULT OF TH E WASHINGTON MUTUAL ( WAMU ) FAILURE IN   XXXX   FOR LESS THAN CENTS ON THE DOLLAR.      IN  XXXX  CHASE REFUSED TO MODIFY MY MORTGAGE UNDER HAMP FOR THE SAME REASON AND THEY FALSIFIED THE ENDORSEMENT FRO M WAMU  AND ROBO SIGNED THE TRANSFER FOR WHICH THEY WERE PENALIZED BY VARIOUS GOVERNMENT AGENCIES.  CHASE FI NALLY MODIFIED MY MORTGAGE IN  XXXX  AFTER THEY SETTLED A LAW SUIT I FILED AGAINST THEM AND PAID ME DAMAGES OF {$15000.00}.      CHASE  PRETENDS TO PROVIDE MORTGAGE ASSISTANCE AND ASSIGNED ME A PERSONAL REPRESENTATIVE WHICH I CAN NEVER CONTACT BECAUSE SHE IS NOT AVAILABLE. WHEN I CONTACT MY PERSONAL REPRESENTATIVE, SHE IS NEVER THERE AND ANOTHER PERSON HAS TO ANSWER MY CALL. ALMOST EVERY SUPPOSED CUSTOMER CARE REPRESENTATIVE HAS A FOREIGN ACCENT AND HAS NO AUTHORITY TO MAKE ANY DECISIONS. THIS IS A RUSE BY  CHASE  THAT THEY PRACTICED IN  XXXX  WHEN THEY FILED A FORECLOSURE AGAINST ME AFTER THE AGENT TOLD US NOT TO MAKE ANY PAYMENTS ON THE MORTGAGE UNTILL THE MODIFICATION WAS COMPLETED.     AT THAT TIME I WAS NOT EVEN PAST DUE ON ANY AMOUNTS. I AM  XXXX  YEARS AND NEED ASSISTANCE FROM  CHASE PRE DATORY COLLECTION PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: QuickClick Loans of Illinois, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
BROOKWOOD ( USING SELECT  MGT. ) HAS ON NUMEROUS OCCASIONS CALLED ME AT WORK AGAINST MY EXPLICIT INSTRUCTIONS TO STOP CALLING ME AT WORK. IN THE PROCESS, THEY HAVE REVEALED TO MY EMPLOYEES THAT I HAVE A LOAN AND THEY ARE A COLLECTION AGENCY. THEY EVEN TRIED TO VERIFY MY EMPLOYMENT ON  XXXX / XXXX / 17 . THEY HAVE BEEN AGGRESSIVE AND THREATENING WHEN I HAVE SPOKEN TO THEIR  COLLECTORS  THREATENING LEGAL ACTION. I HAVE ATTACHED PHOTOS OF THE CALLER ID AT MY WORK. THEY WO N'T STOP CALLING MY WORKAND EMBARRASSING ME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NC
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:
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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-10-23
Company: Netspend Corporation
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recieved a Prepaid Debit MasterCard in the mail from All-Access Netspend Bank. They included an account number and routing number along with a deposit agreement and Overdraft protection information.

I did not request this card and don't know who they are.

I called the number on the back and the only options I was given was to activate the card by text message or enter my SSN so they could activate it that way. There was no way to talk to a representative. 

I called their sponsoring bank, XXXX, who automatically transfered me to NetSpend which gave me the same options as before. 

I had to call their rewards program to get ahold of a customer service agent who had to transfer me to XXXX who had to transfer me to NetSpend to have them tell me that it was a promotion and that they opened a bank account in my name and sent me a debit card as a promotion.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is 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 accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-15
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sunrise credit services has been calling at least 4 times a day for a   XXXX   bill. I asked them repeatedly to stop calling while I 'm at work but they argue that I do n't answer after work but I have set up payment but I ended up not having the money in the account. I would set it up again but they wo n't quit calling me at work. They are also masking the number because I called it back one time a nd it was n't a debt collector at all.

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 2022-09-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I, the consumer and natural person, received a credit limit decrease by SYNCHRONY BANK for my XXXX credit card ( Account Number Ending in : XXXX ). 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code .-1691c and is pursuant to civil liability under 15 U.S. Code .-1692. 

I have proof that I was discriminated against by SYNCHRONY BANK due to the response I received. SYNCHRONY BANK is in violation of 15 U.S. Code.- 1642, 15 U.S.Code .-1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was decreased. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Shellpoint Servicing starting on XX/XX/2021. 
My Loan Number is XXXX First Problem : On XX/XX/XXXX they conducted a Escrow Analysis and there was a surplus of {$1400.00}. That amount was deducted from my escrow account on XX/XX/2021. The escrow analysis statement indicating the that there was a surplus is dated XX/XX/2021. I was told by two representatives that the check was mailed out same day. I don't believe that to be true as it is unlikely they would mail a check the same day as the escrow analysis. Today is XX/XX/2021 and as of yet I have not received the surplus check. Tomorrow is 29 days since the account was analyzed and the surplus amount was deducted from account. Included is the monthly statement.

Problem Number 2 : As of yet this account is not being reported to the credit bureaus. We are 70 days into this. I see this is an ongoing issue with Shellpoint.

Problem number 3 : Shellpoint seems to be slow at things that benefit the consumer aleast they are very fast at things that benefit them. Within 30 days of being transferred I received a letter stating they did not have the HOA required insurance for the common area and they would be force placing the insurance the HOA is required to have. This would mean I am buying insurance for my neighbors house as well as the common area. I have since submitted the required documentation and we are all squared away but how is this practice legal especially in California?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Credit Karma, LLC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a savings account thru Credit Karma with them using MVB bank to service those accounts I've learn.. I had {$6000.00} in the account {$28.00} is interest i received. On XX/XX/2023 around XXXX pm I check my account as I always do time to time and to my surprise I saw someone had stolen all my money. the day before on XX/XX/2023 someone had made a full unauthorized withdrawal and closed the account. Now the way Credit Karma is set which i learned the hard way is they do everything possible to avoid customers from talking to corporated just basic chat helpers. so i open a chat and he or she found was a request for a paper check which I said I did not request a paper check and that makes no sense because my Chase account checking is link up and transactions are almost instant if I wanted money. So they request my mailing Address and said they need to send it to the higher ups. XXXX later I did find a number to call but its just to basic support so I call anyway just to confirm with a live person and I got the case number they said they ( Higher Ups ) will contact me thru email. Now its been XXXX business days past. All of a sudden I check Credit Karma to see my savings account history which even if the account is closed you still see the history of all transactions. Guess what, the saving account page is now blank and I mean blank no letters, icons just white. Its been like that for two days and i check the mobile and PC website to confirm that its not a glitch on my end as if XXXX. is trying to hide something. I was going to take a snapshot for my records but of course they beat me to it and covered their tracks. but my bank statement with XXXX shows my money going in credit Karma anyway. My end result is I want all my Money. They Claim all over the place their FDIC insured but I get not update thru my email, their is no number for corporate. I im hoping CFPB has any access their curtain of secrecy and see whats going on. I work hard as a small bus driver simple life. and $ XXXX in this economy is a whole lot of money. I need help let me know what I can do for you to do that please. 
I have include picture on my statement straight thru to see all deposits and im sincere XXXX and XXXX. these date show I deposited a total of {$7500.00} withdraw a total of {$1500.00} leaving {$6000.00} in Credit Karma. 
Also their Address according to the website is : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Personal information incorrect

Complaint:
There are 7 addresses on my Transunion Credit Report that are in correct and one is on the report 2 times. The following addresses need to come off my report. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX XXXX, XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, FL XXXX NOT XXXX ON REPORT TWICE XXXX XXXX XXXX, XXXX XXXX, FL XXXX NEVER LIVED HERE OR GOT MAIL XXXX XXXX XXXX, XXXX, TN XXXX NEVER LIVED HERE OR GOT MAIL Any of the other addresses on the credit report are correct. I don't care what Transunion states, I want the above off 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 2022-10-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've sent my Payment Coupon, a form of legal tender that should have been credited to my mortgage account. I have not received anything in writing about why my payment has not been credited even though I've requested it many times. The mortgage holding company and the past mortgage company continue calling me telling me a coupon is not a coupon or a form of payment. I've attached definitions and some laws to back my case. If you don't provide logical and legal answers, meaning no opinions, the alleged debt is to be discharged immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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: Was not notified of investigation status or results

Complaint:
On DATE I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-09-09
Company: Credit Karma, LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/2023, I have not been able to access my credit score and credit report on XXXX XXXX. I have spoken with multiple customer care representatives both by phone and email numerous amounts of times. I believe my identity information may be compromised by this company as it relates to personal taxes. On XX/XX/XXXX, I emailed a response to the XXXX to let them know there is no reason why the company should not be able to retrieve my credit score and credit report information from XXXX and XXXX ; because my consumer credit reports are not frozen or locked. I called all major credit bureaus ( XXXX, XXXX, and XXXX ) to confirm this. I sent copies of the front and back of my driver 's license as well as copies of my social security card and a utility bill. I still can not access the details in my account. I was told to delete and create new accounts multiple times, with still no avail. Review included illustrations for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: CAINE & WEINER COMPANY, INC.
State: MD
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:
I have been trying to dispute an collection account with Caine & Weiner. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my XXXX account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called Cap1 credit card division when I realized my checking account paid an auto payment of {$160.00}, {$50.00} OVER MIN pymt due & also made a {$210.00} payment, not realizing I had signed up for Auto Pay. I can't remember when I ever, ever bounced my checking account. However, I've been having issues remembering things in the last few years. I called Cap1 to see if they would send back the {$210.00} second payment made on XXXX 3rd.due date. The agent checked to see if he could reverse the payment or refund online, the way my bank, XXXX XXXX XXXX, paid the {$210.00} on the XXXX. He called my bank & we listened to what checks went thru & the {$210.00} & the {$160.00} auto pay both cleared. 
He then told me to call back he now would have to 'mail ' by check my already cleared money. A nasty lady got on the phone & said I would receive a check in the mail in XXXX days. Today, the XXXX of XXXX I received a 'letter ' saying they were sending the check thru the mail. 98 % of the time I NEVER receive the credit cards they send me & all for XXXX  % interest!!! HELP. I DoNot want to have Cap1. They always charge {$40.00} late fee even if it's XXXX minutes late, 29 % interest which I did NOT originally sign up with. I doubt I will ever see that check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: VA
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:
Please be advised that XXXX XXXX XXXXXXXX Account # XXXX is attempting to collect on an expired debt. I am invoking my right to cease them, based on factual law that this debt in question is legally expired under the Statute of Limitations and Must be Deleted from my credit report the last date of activity was XX/XX/2018 Please know that this is the second time I filed a complaint and still hasn't been resolved. 

I am completely aware of how long the debt is legally collectible and how long it is legally reportable. I realize an OPEN-ENDED DEBT is allowed to be reported to my credit for 3 years in the state of Virginia according XXXXo Va. Code Ann. 8.01228 et. seq. My research has shown me that often a collection agency and original creditors will reset the date of the original charge off to the date they purchased or sold it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you can make the credit bureaus do the right thing.

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