BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have applied for a home loan at chase on my rental property which is fully paid off. I was approved for this loan and submitted the paperwork required. I started this process in XXXX and they took out {$600.00} for appraisal fees on the property. The property was appraised for over $ 300k and the loan amount being asked for is $ 50k. The bank seems to be giving me the run around on closing the loan and when I talk to them they continually state that the loan is approved. I had to pay flood insurance on the property and was told that once I got this flood insurance the loan would be closed then they proceeded to ask for paperwork that I previously submitted saying it was incomplete and do not close the alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have not been able to access my USAA banking statements or accounts since XX/XX/23. 

I lost access to the enhanced logon to my account, which is, in addition to a logon and password, a secondary authentication method of verifying my identity. When I called USAA on XXXX, USAA insisted that I needed this enhanced logon in order to speak with an account recovery specialist. They asked me to upload my identification to a USAA website : XXXX. I uploaded a high resolution photo of my passport on XX/XX/23, and the website confirmed it was sent. They told me it would take XXXX to XXXX hours for a phone call from USAA. USAA did not call. 

I called again on XX/XX/23 and XX/XX/23. They asked me to use the website ( USAA.com/verify ) again to authenticate my identity. I submitted again. I still have not received any contact from account recovery services. Nearly week after my initial phone call to USAA, I am not certain I will be able to move money from accounts to pay bills. And because my statements are online, I do not have access to my statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I logged into my Pennymac account and processed my monthly payment. 
After a few days, I noticed that the payment had not cleared my account. On XX/XX/XXXX I called Pennymac and left a voicemail and my call was never returned. 
On XX/XX/XXXX I called and spoke to XXXX ( ext XXXX ) and explained that my payment from XX/XX/XXXX was not processed and that everytime that I logged in, their website showed " payment processing '' and that no additional action or payment could be made. 

After a long hold time of over an hour, the rep came back on the line and said that the payment was a scheduled payment of two payments ( the current due payment and a future payment ) and they were scheduled for XX/XX/XXXX. 

Pennymac manually processed my payment on XX/XX/XXXX and called it a partial payment, which it was not. 

I explained to XXXX that this was an error on the Pennymac website and that I had properly processed my monthly payment and that their website had made the error/mistake. 

Pennymac called a few days later and said that they were not responsible for the error. 

This simply is untrue. The XX/XX/XXXX payment was made on time. 
Pennymac reported me as over 30 days late to all three credit bureaus- XXXX XXXX , XXXX and XXXX . 

I want the negative reporting removed from my credit report and I want any associated fees refunded for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: WELLS FARGO & COMPANY
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

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 2023-07-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Applied for a rental property which was a verified listing on multiple rental network sites. Received a signed lease agreement and receipts as security deposit, first and last months rent was paid via wire transfer totaling {$4500.00}. The money was sent from my account with Wells Fargo to another account Wells Fargo, and I never received the rental property as it was fraud. Filled a claim for fraud with Wells Fargo who denied my claim and stated the receiving bank ( Wells Fargo ) would not return the funds.

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 2022-11-20
Company: JPMORGAN CHASE & CO.
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:
Between XXXX XXXX XXXX XXXX, Hurricane Ian impacted Florida. I called my credit company " Chase '' for Hurricane Relief. I asked for my minimum balance for the month of XXXX to be pushed until XXXX. They were able to removed my payment however, I was charged for the month of XXXX. I ended up paying them with money I dd not have. We then have a major tropical storm/Hurricane in XXXX. I called Chase once again for Hurricane Relief for the month of XXXX. I informed them that I did not received the relief I had asked for in XXXX as I paid for it. A supervisor went ahead and " Refunded '' me back the amount to my checking account and placed me on the relief program in the month of XXXX. Shortly after, I started receiving credit report alerts that I am " 39 days '' past due on my credit card with chase. As of today, my credit score has decreased badly because of this issue chase has caused and I need this issue to be fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-31
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I was contacted by a male who stated he worked for loan care and then asked for my SS # and Phone password. I asked whom was calling. The individual then became rude and stated, " Ma'am I'm calling from your mortgage company and I'm pretty sure you've had to answer these questions before. What is your SS # and phone password? '' I replied, " No sir I have not had to answer these questions before and I'm uncomfortable giving out that information without knowing what this is about. '' He stated, " You can call back and get the information. '' I immediately went online to view my mortgage status as I believed the gentlemen to be a scammer based on his general rude and demanding demeanor. Not to mention I have never been contacted by mortgage company via phone before. I have always made my payments online and on time. Any prior communication via phone as been initiated by myself. 

Upon reviewing my account I noticed it showed that I had not yet made my XX/XX/2018 payment. I have attached both a copy of the email from my mortgage company, Loancare, and my bank statement showing that I had made my XX/XX/2018 Mortgage payment and it cleared my bank account XX/XX/2018. I would like to also point out that on Loancare 's email they have me making a payment of {$1500.00}. However, you can see by my bank statement that the payment made was in the amount of {$1300.00}. 
The difference in actual paid amount and what email Loancare is further evidence of Loancare 's deceptive trade practices. 

I called to find out what was going on and was told that I was a month behind on payments. As I spoke with the gentlemen reviewing my account he told me I never made a XX/XX/2018 payment. ( please see my bank statement as proof of XX/XX/2018 & XX/XX/2018 ). I tried to have the company review my account. However, each individual I speak to continues to read only what they see right in front of them instead of reviewing my account realizing their error. 

I need immediate assistance as this company is getting ready to put this bad review on my credit report. Any help would be greatly appreciated. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit 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 have been trying to receive a refund due to my trip cancellation back in XXXX. I have tried reaching out to the travel insurance company to have our trip refunded since I bought the insurance but to no avail. After a year or so going back and forth with the insurance company I have decided to reach out to Chase because I used my XXXX XXXX  to pay. I submitted an Eclaims with Chase and it's almost been 2 years now and Chase has also been giving me the run around. Asking me to submit documents that I've already submitted and requested to gather more " proof ''. I'm backed against the wall as I have submitted all that I can that was requested of me. The total amount that I'm requesting for is {$2600.00}. This is the down payment cost for the flights and XXXX XXXX XXXX ( {$2400.00} + {$240.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
I am intrested in disputing all incorrect information on my credit report with transunion. alot of information is invalid an hindering my credit profile. please update the information requested.

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 2022-11-20
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: Personal information incorrect

Complaint:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX FL 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 2023-08-28
Company: Frost-Arnett Company
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Attempting to collect debt of {$520.00} not owed by myself. Debt under name and address that is not me. Notices from original client never received. Violated HIPAA & FDCPA by collecting a debt not owed by myself. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The names and addresses showing on my credit report are incorrect and would like to get help removing this off my credit report. Please and Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-20
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the fair credit reporting act, This Accounts has violated my rights : __________ Account : # XXXX Account : # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.________________ 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date N/A___ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under XXXX : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under Equifax : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Didnt receive information from the original debt collector with signatures validating the debt

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 2018-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I've been a Usaa client from since XXXX. I've never missed a payment or been delinquent on any of my credit cards I have 4 to be exact I've had credit cards since XXXX when I was XXXX. I've always been responsible. My credit card limit was {$3900.00}. I paid off the account in full it wasn't easy due to experiencing a total lost of our home in hurricane Maria last my sister died the same week & also divorced. It took everything in me to payoff but it was my highest credit card & I wanted to improve my credit score. I thought someone scammed me because I called my card to make another payment because I made a few transactions & on XX/XX/XXXX they decreased my account from {$3700.00} to {$2700.00}. Not only I'm I hurt I'm confused & I don't know why my credit card company would do this to they're Loyal Client. I was not notified nor was I contacted from them about the decrease which is unprofessional & I feel it is illegal because they call for everything else I trusted them for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 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 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 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 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 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 XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2023-08-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, PA XXXX XXXX XX/XX/2023 I am Writing this letter to report inaccuracy on my consumer reporting Chase Auto XXXX XXXX XXXX XXXX LA XXXX XXXX Account number : XXXX ( XXXX ) XXXX 15 U.S. Code 1681s-2 A person Shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and it be removed IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never contacted about this debt by the Simons agency or original creditor. Found out about debt by checking my credit report. Called Simons agency three months ago and asked for a bill and still have not received one. I owe XXXX that my insurance did not pay but cant verify that without seeing a bill. I should have been contacted by someone before this was put on my credit report. I never had a chance to pay or dispute because I new nothing about it. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reviewed my credit report and there are incorrect addresses listed on my account. I would like to get those addresses removed and update my current address.

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