BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-13
Company: Hampton & Hampton Collections LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-24
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i paid of my mortgage on XXXX XXXX the bank has a check in the amount of {$110000.00} that was sent to me by the insurance co for the damage to my home. I have made numerous calls to get this money sent to me but to no avail. this company has put me through XXXX. my loan # is XXXX please help me get this amount refunded to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: OK
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 should go to XXXX, experian, XXXX, and all third party credit reporting agencys.! 5u.s code consumer laws and protection. These agencys failed to protect me by a couple of ways, the first receiving my info from a creditor and posting it at face value without an investigation isnt protecting me. And selling my info without my consent to third party persons and they reporting it to there list of buyers without my consent is a federal violation of my rights and my protection 15u.s code 6802 and these violations is on every account held by XXXX, XXXX, experian they hae a responsibility to protect our info but it must be done by the law and allowing these violations to continue is causing & costing me thousands of dollar every year. Here are two examples XXXXXXXX XXXX card And XXXX card both know the statue has ran out, XXXX told me straight out they would never remove my account i found that to be threatening and harassment XXXX is doing under cover, just these to alone would change my situation in a poisitive way they have failed to protect my privacy and rights but the three havent removed it, i talked to experian today been given the run arrounds. XXXXXXXX XXXX  ACCT # XXXX XXXXXXXX XXXX ACCT # XXXX and when i contacted experian they showed no concern about what they are doing purposely destroying my life.Theres a {$2500.00} fine but no less then {$1000.00} for each violation to be paid to the consumer upon there requesting it as i am now and will send a invoice Not one of my account was reported properly and has gone undetected for years. name all three in this report because they all will receive the same msg one more thing old address that companys are sending are still reporting on as if they were mine and i live there some of the address on my report i dont remember having. I have lived at this address for almost 12yrs and it should be the only one remaining.

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 2023-12-08
Company: CrossCountry Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Contract we signed with Cross Country Mortgage states payments during construction phase and first year may go as high as {$1200.00} and second year as high as {$2500.00}, years XXXX {$2400.00}. Most recent bill is {$1700.00}. The house is not complete. It is still under construction. It is still year 1. We have not assumed possession. We based our ability to buy this new residence on the quotes given us for monthly payments. Cross Country Mortgage is denying responsibility for the quoted rates stating is your agency that insisted they include the figures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX Balance {$92.00} XXXX XXXX Balance {$12000.00} Inquiries not tied up to positive accounts : XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX  Inquired on XX/XX/2020 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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have two credit cards serviced by Chase. One of them is an XXXX XXXX. When my XXXX XXXX membership was up for renewal the XXXX XXXX ( serviced/owned/financed by Chase ) was charged for that renewal but that membership was not renewed by them. When I complained XXXX  the XXXX  that they did not renew my membership but instead kept my {$110.00} anyway they ( Chase ) just strung me along for about three weeks but did not remove the phony charge from my bill. I want my {$110.00} refunded and this bank investigated for fraudulent billing someone and even after it is brought to Chase 's attention they did nothing to resolve it and just kept the fictitious charge on my credit card bill. The transaction at issue was on XX/XX/21 for {$120.00}. They refunded the {$7.00} ( which I later learned was for sales tax ) but kept the {$110.00} on the credit card bill. The only logical explanation was that this was done based of greed and vindictiveness because I had asked them why an extra {$7.00} was added to my {$110.00} renewal fee. If they did this to me you can bet they did it to others also. I want the {$110.00} refunded since they canceled my membership instead of renewing it. When I complained directly to XXXX  they told me to " take it up with your bank ''. Even though Chase services the XXXX XXXX they ( XXXX and Chase ) just passed me back and forth with a monkey in the middle run around but no resolution after stealing my {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, My name is XXXX XXXX and my wife and I applied for a mortgage with Chase Bank to buy an investment property. We were given a pre-approval letter and we assumed that we were ready to start looking. Our real estate agent helped us locate, make an offer, and get a contract on a property at XXXX XXXX XXXX XXXX, TN. 
On XX/XX/2021 we received an email from one of your employees claiming that we were ready to close and a closing date was set up. We then began making accommodations and ordering inspections on the property assuming we had the funding. 
We attempted to contact the agent XXXX  on XX/XX/XXXX, we didnt receive any response. On Monday XX/XX/XXXX we then found out he was on vacation. At that point we where informed that the person who was in charge of our file while he was out was also on vacation. We finally got in touch with their supervisor XXXX XXXX and discovered that we did not have sufficient documentation to close on the property. Now we are being told that there is a ninety-eight percent chance that our loan will be declined, due to being self-employed. 
I feel as though Chase Bank has mislead us into thinking we could do something we apparently could not do. Now we have not only wasted our own time, but we have also wasted our personal real estate agents time, the sellers agents time, and the sellers time because his house couldve been on the market this entire time. We have also wasted thousands of dollars with inspections and furniture purchases for this property. I feel that we have been abused by Chase Bank because of the ineptitude of their employee. The supervisor even went as far as to say he felt we could afford the property but for whatever reason it seems we will be denied the loan. 
No one has apologized for the inconvenience this has caused not only myself or the other people in this transaction. I expect for Chase to follow through on your commitment for funding that your company initially offered, and I am asking the Banking Commissioners for both the state of Tennessee and Florida to investigate the matter. 
Please feel free to contact me by email at XXXX or by phone XXXX. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
At my request, my bank First National Bank of Omaha, sent international wire transfer to an account at XXXX XXXX XXXX XXXXXXXX, XXXX XXXX on XX/XX/XXXX from my business account. Later I have informed my bank that it might be a fraud and asked them to contact XXXX XXXX bank to get funds refunded back to my account with First National Bank of Omaha. They informed me that they tried a few times and I have to contact the beneficiary in XXXX XXXX directly, to get he funds refunded back to me. I could not reach the beneficiary as I found out finally on XX/XX/XXXX, that I am a victim of 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 explanation
Consumer complaint received 2022-10-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have turned in all the information requested of me to LoanCare and XXXX XXXX XXXX required to receive a loan modification. 

They refuse to properly service my loan : They continuously ignore my certified letters and emails. 

They send me misinformation that they have not received documents when they really have. 

I have sent full document packages to their po box XXXX mailing address, and two email addresses and their attorney. 

The documentation attached shows that a full loss mitigation package was sent XX/XX/XXXX, Proof of a 4506-C uploaded on XX/XX/XXXX, and the actual 4506-C that they have sent me documentation stating they are " missing. '' My application is a facially complete application as per 1024 41 ( c ) ( 4 ) ( ii ). 

I also have timestamped emails of the above information that was emailed to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2022-10-19
Company: Frost-Arnett Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I went to XXXX XXXX XXXX in XX/XX/2020. I received a bill from Frost-Arnett that I thought was to pay off my hospital stay. I have been paying them thinking that it was going towards the hospital. However, when I pulled my Annual Credit Report, there was no mention of such debt from the hospital or Frost-Arnett XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
To Whom It May Concern, I am writing to file a complaint regarding an unfair reversal of a retention bonus statement credit by American Express for my Platinum account ending in XXXX. 
On or about XX/XX/XXXX, I was offered a {$550.00} statement credit by an American Express customer service representative if I met a {$4000.00} minimum spending requirement within 3 months. According to my calculation, I met this requirement within the timeframe on XX/XX/XXXX, and the statement credit was applied to my account the day after. 

However, over XXXX months later on XX/XX/XXXX, American Express abruptly reversed this credit from my account. When I inquired, I was accused of " gaming the system '' because the XXXX XXXX merchant return was posted on XX/XX/XXXX instead of XX/XX/XXXX when the purchase was made. 

This return was due to a merchant error - I had to return an item and repurchase it when the merchant made a mistake in processing it. I completed this return and repurchase in good faith and met the {$4000.00} minimum spending as agreed. 
I find it unacceptable that American Express waited over XXXX months to reverse this credit without any notice. Their accusation of " gaming the system '' is baseless, unfair, and adds insult to injury. 
I fulfilled my end of the retention offer agreement in good faith. American Express failed to honor their end of the agreement and unjustly reversed the credit I earned. 

Thank you for your consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received call from XXXX XXXX ( XXXX ) XXXX, reference number XXXX. They said they would be coming to my house to serve me papers. The year of the so-called debt was when Iwas XXXX XXXX XXXX and the debt does not exist. I was supposed to be a bank debt and the bank ( Huntington Bank ) has no record of such debt. 

These people were equipped with my social security number and my current address of which I have just recently purchased this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portafolio recovery associates contiue to wreck my Credit over a debt more than 10 years old

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/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 2021-07-26
Company: TD BANK US HOLDING COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I just looked at my credit report and saw that I had 5 Inquries pop up on my XXXX  on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX, 1 on XX/XX/XXXX and 1 on XX/XX/XXXX. Then on my XXXX  I see 5 Inquries on XX/XX/XXXX. I don't know where any of these inquires came from and they are affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: JPMORGAN CHASE & CO.
State: CA
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:
To Whom It May Concern, I am writing to file a complaint regarding a misleading credit card offer that I received from Chase Bank. On XX/XX/2023, I logged into my account ( through the app ) and was presented with a list of credit cards under the label " You're Already Approved ''. The offer ensured that my approval was guaranteed. Which led me to believe that I had been approved for a credit card with Chase Bank. 

However, when I accepted the credit card using the link provided, I was denied due to reasons that were not disclosed during the initial application process. I believe that the credit card offer was misleading and unethical, as it falsely advertised that I was already approved for a credit card when that was not the case. Had I been pre-approved, I would not have applied for this credit card. However, the app indicated that I was approved, resulting in a hard inquiry that adversely impacted my credit score. 

I am requesting an investigation into this matter and asking that Chase Bank provide me with a clear explanation of why I was denied for the credit card. I also request that Chase Bank review its credit card offer process and make any necessary changes to ensure that customers are not misled by its credit card offers. 
I appreciate your attention to this matter and would appreciate a prompt response to this complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: TX
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint in order to verify the account that is erroneously reported in my file. The account must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX XXXX Balance : {$7700.00}.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused 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 non-monetary relief