BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-21
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX XXXX failed to respond to my CFPB complaint as of XX/XX/2018. This by default, requires the organization to remove the debt posted to all my credit bureaus in the amount of {$130.00}. After multiple previous attempts I have disclosed my monetarily exempt income and zero potential for future collection as a result. This organization has failed to validate the collection potential of a debt over 2 years old. I appreciate the CFPB 's intervention to resolve this issue or escalate accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive had an open Foreclosure it was closed. and reopened when the statute of limitation ran. Reopened ive tryed doing loan modes and SPS. well not work in means want a large down. Most of my life ive worked in XXXX XXXX. and for family reason i had to leave. I stared back this year. I did an Investigation on my case when they refuse to work with me. the loan stated in Fl. with XXXX   XXXX. the vice President was arrested. the loan started in XXXX XXXX XXXX placed a trust in XX/XX/XXXX the trust was closed in XXXX also the Vice President on Trust is on XXXX XXXX XXXX Robo signer sheet. Understand i owe money but its not to the trust it was not placed into or XXXX XXXX. SPS. said the Appraised the home for XXXX I can short sale it for that. to do a Loan mode its XXXX with XXXX down. XXXX VS XXXX XXXX. i attached the paper work is the same case I have. everything is attached. Thank you in advance. P.S. Iwas refereed by TEAM TRUMP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

EDUCATIONAL XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention

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 2018-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I initiated a wire transfer through my company account with Chase Bank ( XXXX XXXX, XXXX ) for payment to a service supplier of mine in XXXX on XX/XX/18 for execution on the next business day which was XX/XX/18. I received notification that the wire was put on hold, pending me providing more information. 

I am travelling overseas on business at the moment which makes the resolution all that more difficult but I tried to contact the bank on the number they gave me but it wasn't working. So I called the number on the back of the company debit card I have and they transferred me to the business division. After providing all my personal & company details for verification I was put hold for 20 minutes only to be told they couldn't help and gave me another number. 

Not to bore you with this over and over, but this process has been repeated now 5 times, contacting different departments by phone and I have also secure emailed Chase 3 times but still no one will help. 

I really needed to pay the supplier so I did that from another of my business accounts and then asked Chase to cancel the wire ( which is for {$10000.00} ) but they will not. I was given a number to call again, where they told me they couldn't help me and after a further email I was referred to yet another department again. I don't think this will be resolved by normal means. I feel the only way is through a carefully constructed complaints process. From the tone of the phone calls I have been having I get the feeling my {$10000.00} may be gone forever unless I act outside of the bank system

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: LoanCare, LLC
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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, a forbearance request was made and approved by Loancare LLC for 2 XXXX XXXX backed mortgages. In XX/XX/XXXX, both of these mortgages were sold to XXXX XXXX XXXX. Upon transition of the two mortgages to XXXX XXXX XXXX ; Loancare LLC then reported to all 3 credit bureaus that the 2 mortgages were delinquent and in collections. This effectively has dropped my credit score by 150 points. 

Having contacted Loancare LLC several times requesting that they accurately report these mortgages to the credit bureau as not being delinquent as defined by the CARES ACT.

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 2018-11-25
Company: Credit Technologies, 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: Reporting company used your report improperly

Complaint:
My husband and I was in the process of selling our previous home where payments was due with XXXX XXXX A Division of XXXX XXXX. As of late XX/XX/XXXX early XX/XX/XXXX we requested a payoff. In XX/XX/XXXX I received a call from XXXX XXXX but no message was left. So, I returned the call because I wanted to find out why they were calling because I knew I was current in payments. The young lady that answered the phone went though their protocol by asking me all of my information. Then she processed to ask me what I needed, I responded stating that I had a missed call but no one left a message. I then stated, Im not actually sure why anyone would be calling because were current with our payment and she stated yes I see that. She stated that she was not sure who and why anyone would be calling you. Well, come to find out back in XX/XX/XXXX we applied for mortgage assistance but didnt go through with it but we came up with the pass due on XX/XX/XXXX and brought current. At that time a cancellation for the mortgage assistance was done. 

Now, that we have requested a payoff XXXX XXXX has used a third party company by the name of XXXX XXXX to run our credit on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX causing a hard inquiry on both of our reports causing our score to drop. Plus, causing issues to move forward with purchasing our new home that was to closed on back in XX/XX/XXXX. 

Once, I found out this information that caused us a delay in purchasing our new home I reached out to XXXX XXXX to find out why were they running our credit for mortgage assistance when we wasnt behind and havent been for over six months. No one could answer my question so I asked for a supervisor, then she couldnt answer me either. She tells me that I need to give them permission to run my credit so she can see if it was XXXX XXXX that did what I was claiming. I told her no because they have already ran our credit without permission twice and cause my spouse and I credit to have a hard inquiry that needs to be removed immediately. I informed they lady that I was very unhappy and dissatisfied with XXXX XXXX and discontinued the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2018, I notified USAA via international phone call that my debit card was stolen/lost. I was advised that a new card would be sent to me within 5-7 business days. During this time and up to end of XX/XX/2018, I was traveling frequently and wasn't home all the time. On XX/XX/2018, as I was going through my mail, I realized that my debit card never arrived. I reviewed by checking account statement and noted that there was fraud on the account. I called on XX/XX/18, I again called USAA to report the fraud and order a new debit card. I was advised that a fraud claim was opened and new debit card ordered. I was told it would take 2 business days to have the money placed back into my account. On XX/XX/18, I conducted USAA via chat to inquire about the status of the fraud claim and was advised via chat message that a fraud case was never opened. USAA failed to comply with Regulation E, Section 1005.11 on XX/XX/18 when they were first notified of the fraud issue. USAA also mislead and lied to me regarding how long the process took to refund my money. Additionally, USAA has caused me substantial injury relating to financial harm as a result of failing to honor my fraud claim and continuing to charge me fees for overdrawing my account. Due to USAA unfair practice they have committed a violation of UDAAP pursuit to regulatory guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
First, some feedback to the CFPB regarding your complaint submission webpage : The options listed on your website does not include the subject for my actual complaint. Therefore, I selected options that would eventually take me to this complaint narrative. As a suggestion, it would be nice for situations such as this if your online complaint webpage were to include an " Other '' category. 

-- -- -- -- -- -- -- -- -- CONSUMER COMPLAINT SUBJECT : Chase Bank Marketing Harassment My complaint concerns Chase Bank. I am not a Chase Bank customer, NOR will I ever become a Chase Bank customer. However, I am very frustrated by Chase 's aggressive marketing tactics. I would describe it as " Marketing Harassment ''. 

Chase is relentless in sending postal mail solicitations. Their tactic appears to be to flood your mail box with these solicitations to beat the consumer into submission to open an account so that the consumer will finally receive relief from these mail outs. I recall that at one time the frequency I was receiving these solicitations was about once per week. Over the course of a year this really adds up. It is also an extreme waste of natural resources, thereby being environmentally detrimental due to what has to thousands of tons of paper that they likely consumer annually for their overall mail solicitations across the country. Additionally, it certainly wastes my time in having to shred this " junk mail '', which is very frustrating. 

It took me having to make numerous phone calls over a three year period to finally get them to stop mailing me solicitations to my home address as well as my P.O. Box. These postal solicitations were addressed directly to me by my name. I believe they finally ceased doing this in late XXXX or early XXXX. 

However, this year they started mailing me these solicitations once more, though they are now addressed to " Our Neighbor '' at both my street address and my P.O. Box. 

I contacted Chase customer service this evening to request these mail solicitations be stopped. However, based on past experience I do not trust that Chase will do so. I am also equally concerned that if in fact they do stop sending this current batch of solicitations, that some time in the future they will simply start up again by addressing them instead to " Current Resident ''.

One question that most consumers who have experienced a similar excessively high volume of direct mail solicitations might ask is " How many times and over how many years must a consumer fail to respond to a financial institution 's direct mail solicitations before the financial institution finally gets the hint that the consumer has no desire to do business with them? 

I am simply tired of Chase 's marketing harassment, and I desperately want it to stop once and for all. Therefore, I am seeking your assistance to make sure this will happen. 

Thank you for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Kriya Capital, LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I need to file a complaint On behave of XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In regarding to your response to the CFBP on XX/XX/XXXX You CRM has ceased a collection activity regarding this matter and A fraud packet will be mailed to me to be completed and returned. However I beg the differ on your behave! On Friday I received a letter from Credence dated XX/XX/XXXX stating that they had verified this debt. see attached file. all I got from this company is a list of TV Channel 's and some prices typed on plain Paper So it's clearly a lack of Communication at your office. What Info this company sent to me is not the Proper way of validating a debt Per the FDCPA. Your office have had 30 days to send me a proper debt Validation and you have failed to do so. Therefore I will Not Talked to your company any Further! If you have put anything On my credit reports about this Matter I demand it be removed ASAP. Due to the None Validation of this account! I will take legal matters to its Fullest! 
THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
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:
These inquiries I didn't authorize. they should not be on credit report. 

Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX/XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX   Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX 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 2019-09-05
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a loan i took out from company Oportun in XXXX california. i owe about XXXX i have fallen behind since i had a baby and then was on XXXX and quit my job found a new one but i couldnt catch up to continue making payments and they have called me non stop and are now calling references telling them about my debt information which i called today and asked them to stop but since i have also told them to stop calling me that freedom debt relief would contact them they will probably continue discussing my business with my references i put for me to take out my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws

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 2019-09-05
Company: DISCOVER BANK
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Opening another coplaint based on previous Complaint Via complaint number XXXX the companys responce is incorrect and insufficent simply stating they comply woth ecoa Equal credit Oppritunity act is inssuficent and stating the minimal need to Qualify for the loan is XXXX Is Not Equal Credit oppritunity act Appropriate Policy to have in place including Being denied because on XXXX but the pourpose is to ensure creditors make and approve Things based on equality and it is not equal for people To have XXXX In Yearly income and Cpuld be deemed income discrimimination And Ontop of the equal Credit oppritunity act There are also state laws regarding such things And ive also Contacted the pa attorney generals Office Witch is being asigned to a investigator Pending investigator Findings Discover Could Face state or federal Civil charges in court. And or Be XXXX ordered to reverse descion and may have to pay Damages and costs and court ordered Monetary Fines and Cost to victim or plantiff and discover may want to reconsider there policy in this situation and if they wish to reach put to Me To Settle this i emploer Them to before the attorney generals office investigates and concludes there finding In the Consumer protection Office powered by Federal And Pennsylvania State powers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the 3rd complaint ( CFPB - XXXX and CFPB = XXXX ) that I have filed regarding Wells Fargo 's management of my mortgage loan. 

On XXXX XX/XX/XXXX, I contacted Wells Fargo to determine why I was still being charged PMI and spoke to XXXX XXXX ( XXXX - x XXXX ) and Ms. XXXX advised that based on my loan balance I had well more than 20 % equity in my residence and she was not clear why I was still being charged approx $ 119 monthly. she contacted the WF PMI department and was told that they were still charging the fee because of late payments in XXXX and XX/XX/XXXX. I advised Ms. XXXX that I have never heard of any criteria for requiring PMI other than the 20 % equity. I further noted that I had made timely payments for XXXX and XXXX of XXXX. Ms. XXXX called me to advise that the Executive Office had opened a case number XXXX. 

Regarding the XX/XX/XXXX payment, as detailed in the chronology I provided with the first CFPB complaint, I explicitly followed the instructions provided to me on XXXX XX/XX/XXXX by XXXX in Wells Fargo Special Loans Department and made a very large principal payment on on XXXX XX/XX/XXXX and advised the Wells Fargo XXXX XXXX ( XXXX ) to call the recast department for instructions regarding how to process my check which was both payment of the XX/XX/XXXX statement and principal payment. XXXX did not contact the Special Loans Department per XXXX 's instructions. XXXX erroneously applied the full balance of the check to principal payment as I stated in my written correspondence to WF dated XXXX XX/XX/XXXX and I was timely in making my XX/XX/XXXX payment, however WF erroneously processed the payment. 

Regarding the XX/XX/XXXX payment, per correspondence from WF, my loan recast was effective on XXXX XX/XX/XXXX and my new mortgage payment was {$1000.00} and WF has acknowledged receipt of a check for that amount on XXXX 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 non-monetary relief
Consumer complaint received 2019-09-12
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing a complaint against Ability Recovery Services XXXX. They are reporting negative information on my credit report. There is a collection account listed in the amount of {$140.00}. I have done further research and noticed that they are violating XXXX XXXX   State Licensing Requirements. I have attached proof from the XXXX  Department of Insurance ( License Services ) website. I am requesting for this account to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation