BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: Better Mortgage, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for the mortgage and received a disclosure statement. We agreed on the terms. They required me to pay for the appraisal, so I paid {$500.00}. The appraisal was completed, and the appraiser did a very poor job and undervalued our home. He used comps over a mile away in a lower priced subdivision bordering a highway when there were comps within .25 miles of our home. He left out critical details and upgrades, forgot to take pictures, did not adjust for the fact that we completely remodeled the home. 

I complained to Better and provided six alternate comps literally down the street from us that sold more recently. I asked for them to tell the appraiser he made mistakes. The valuation team would not consider the comps or address the issues with the appraiser. I had another independent appraisal performed afterwards that valued the home above my estimate. I offered to provide the appraisal and Better would not take it. The processer began threatening to withdraw the application if I did not accept the appraisal and continue providing documents. They never refunded the difference between the {$500.00} estimated appraisal fee I paid and the actual appraisal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I called the phone number for Relationship Manager XXXX XXXX XXXX ( XXXX ) onXX/XX/XXXX at XXXX XXXX  XXXX to discuss the Early Intervention - Borrower Assistance letter dated XX/XX/2023 received by me. 

1. I informed her the link for instructions to complete a requested Mortgage Assistance Application ( " MAA '' ) to assess assistance options was not working ( XXXX ) and came back " Page Not Found ''. 
2. I informed her that I was unable to search for mortgage assistance using the Assistance Locator tool ( XXXX XXXX XXXX ). 
3. I informed her I was unable to start the MAA online for the above which appears to need me to register to submit online.

4. I informed her I was able to print a copy of the MAA.

5. She told me she would check the website.

6. She informed me she could mail me an application. I reminded her I was able to download a copy.

7. She informed me I was delinquent and asked why I could not pay.

8. I explained a tenant moved out, the house is uninhabitable, and I am unable to pay.

9. I told her the reason for my reaching out was to inform them I have a buyer for the property and sale is set to close soon.

10. I asked whether she checked the website link like she said she would.

11. She told me that since I can not access the website, she will have to mail an application. I again reminded her I have a copy but need assistance registering.

12. I asked again if she checked the website link.

13. She informed me it " may '' be down and that she will mail an application.

14. I stated either you did or you did not check the website link and asked did you check?

15. She stated the website is down.

16. I informed her that would have been nice to know when she checked rather than tell me I did not have access to the website and continually telling me she will mail me one.

17. I asked for her to repeat her name or ID # provided at the outset of the call. She hung up.

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 2023-09-12
Company: Incomm Holdings Inc.
State: CO
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a ViSA gift card issued by Vanilla in the amount of {$100.00}. The person gifting this to me also taped their receipt from XXXX verifying that it was activated. I went to XXXX, and they said the receipt proves the card was purchased and activated, but they are not responsible for the card not working, nor could I exchanged it for another. 

When I opened the card, a group of 4 numbers had been scratched off or possibly was never printed on the card. The numbers missing are in the middle of the card account number. I tried calling Vanilla Gift ( the issuer of this gift card ) multiple times and tried multiple options, but I could not get any service since I can not enter the account number. No matter what I do, I get a recording that says, " It looks like you are having trouble with your card number, goodbye '' and then I am automatically disconnected. It says that the account number is also on the packaging, but that is not true. The only place with the actual account number is on the card front. I then tried using their website feature, but it also requires the card number to proceed, and again, I can not read the number. 

Since I can not read the card number, it is impossible to use it online as I can not enter the number. I have tried at multiple stores including, XXXX XXXX, XXXX, XXXX and XXXX, and XXXX to use this card. It was rejected by all of them. The packaging says to pick any 4-digit pin at first use, but this also does not work. 

When researching this, I found a forum where dozens of people have had this same complaint about Vanilla gift cards. I was shocked to see the same problem over and over again about the missing or scratched-out numbers. My guess is they are hoping people will just give up and not use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account was charged by XXXX When they deliver items and have some on hold they add and subtract fees over and over again and they caused my account to be hit with a XXXX charge that was already paid the day I placed my order and then they hit me with an overdraft fee for a charge that was already authorized. This should not be legal.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2  ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXXXXXX 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 Balance XXXX {$0.00}

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 2022-05-26
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 applied for XXXX XXXX with XXXX XXXX one time and was approved one time on XX/XX/2022. When I reviewed my Transunion report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted XXXX XXXX on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted Transunion on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from XXXX XXXX  stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from XXXX XXXX even though I explained to Transunion that XXXX XXXX is refusing to resolve the matter.

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 2022-05-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a XXXX account that was closed without my knowledge I reached out to XXXX my credit score dropped XXXX points because the company said that they rebranded the credit card & I didnt have a balance because the card was already paid off in turn I left it open I did not close my credit card or give them permission to do so

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 2019-01-11
Company: PLANET HOME LENDING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received a notice dated XX/XX/XXXX stating my monthly payment was being increased due to a shortage.

According to the projected escrow balance and the allowable escrow balance (see attached), the shortage would be $XXXX a month. 

It shows a shortage in the actual current escrow account equaling $XXXX a month. 

Instead of adjusting the payment by $XXXX  or $XXXX, the payment was increased by $XXXX a month. When I guestioned Planet Home lending about the significant increase, their response was it is for “future possible” increases. 

That makes no sense. I know new property tax rates came out in XX/XX/XXXX in Colorado, so that could possibly affect the payment slightly, but $XXXX/month seem a bit high and I do not believe you can increase a payment "in case" there is a possible shortage in the future. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
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, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX ( Original Creditor : XXXX ) XXXX ( Original Creditor : ) XXXX ( Original Creditor : ) XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

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 response to consumer: In progress
Consumer complaint received 2022-11-02
Company: Upstart Holdings, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was sent advertisements and offers for loans through this company via email. I guess because I have done other pay day loans I ended up on their mailing list. In a moment of desperation to pay rent, I applied and was approved for {$3700.00} and was told that my payments would be > {$99.00} a month. Well, I have no idea what the interest rate is because they are very confusing and shady about the whole contract. They weren't clear with the terms and so far I have paid over a thousand dollars and only {$200.00} of it has went to the principal. How is this not usury? It should be criminal to charge people this amount of interest. Please help me negotiate something with them. They won't do anything over the phone and no one seems to care when I call that I can't keep this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, 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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because 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 I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, MA XXXX I called this office several times to make a payment, only to be told that, I cant discuss this account with you, and being told that your account is in review. I was told that an Attorney would have to review my account. I asked the representative, " Can I make a payment to you today '', the answer was " no, I can't take a payment ''. I offered to make payments, offered to give you bank information to make an immediate payment. The XXXX XXXX XXXX representative refused my payment. Therefore, on XX/XX/XXXX, I called Discover and made a payment of {$1600.00}. Discover took my payment information and sent me an email confirmation of payment. However Discover did not post my payment. I have confirmation that Discover took my payment, however they refused to post it to my account. In the meantime, they are reporting me to be 90 days late. These actions are WRONG! 
I have contacted The Attorney Generals office in Massachusetts and Florida to investigate this matter. Your records should reflect the number of times Ive called to make a payment. I didnt know that you could deny my payments and report me late to the credit bureaus. I have proof that I tried to pay this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
PROBLEM WITH ONLINE CHASE, JP MORGAN It is now several months during which I have tried to transfer money from my Chase account ( which give me close to nothing as interest income ) to another of my XXXX banks. 

At XXXX time I was able to do a transfer online between accounts without any problem but now after every attempt my account has been blocked for suspicion of fraud. While I can appreciate this safety feature, I do not appreciate having to go from XXXX department to another and being asked the same safety questions again and again ( some questions relate to my life more than 30 year ago! ) and loosing my time for nothing. 

The XXXX of XXXX the XXXX XXXX. told me that my account was unblocked which was not the case when I later tried to connect, so again for the XXXX or maybe XXXX time no way to reconcile my account and of course, I was not able to do my wire transfer as suggested in an earlier call. 

Yesterday, being very upset, I waited XXXX minutes for the employee to come back on line but without success so eventually I hung up. 

I AM FEELING THAT MY MONEY IS TAKEN IN XXXX BY CHASE, JP MORGAN. 

Hoping you can help, yours sincerely,

Company response to consumer: Closed with explanation