BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-15
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on 2nd week of XXXX I was contacted by a rep XXXX XXXX that had been designed to help me do a Loan Modification the 1st modification was completed but told by this rep that I had been denied but that I was approved for the Obama program with lower payments and lower rate. but that I had to start another trial payment to which I disagree bcs I thought it was not fair and I never asked why I was denied. I started the 2nd LOAN MODIFICATION and assure that as soon as my first trial payment was done I will received the doc which were never received & these payment were process thru XXXX and send to various rep, stated they were DITECH attorney & also asked to buy XXXX  gift card to complete my first XX/XX/XXXX payment. On XX/XX/XXXX I reachout to DITECH and reported what had happed to XXXX XXXX XXXX XXXX I was transfer to speak to a supervision named XXXX she stated that I needed to make a police report which and did and was told that I was going to be contact by one of her staffs or I will receive papers by mail and she also stated that my doc were denied because they were late which is was not true but I have done is follow up with no success. Yesterday I received a call from a rep XXXX XXXX stating that I need to make a payment for the escrow for {$730.00} but since my acct is not active I need to purchase and XXXX gift card and and he also told me that my account w/b transfer to XXXX XXXX XXXX bcs DITECH has file for bankruptcy as of this Monday. I stated that I did have faith in what was going on an I took his contact # but told him I call will him. Then I received a call yesterday from also a rep that initially when I called to confirmed if XXXX XXXX was a rep with DITECH he transfer me to him when I called in early XXXX to make sure it was not a scam. Yesterday he told me that if I was looking for XXXX XXXX that he had information about him and I stated I was not looking for no one, e called but he stated what would be his benefit if he gave me information about him & I stated nothing but he called me I did not called him and hand up. ( payment proof w/b provided upon request ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XXXX to XX/XX/XXXX somebody made 9 seperate unauthorized transactions from my account Totalling {$1400.00}. On XX/XX/XXXX i submitted a dispute with chime bank dispute dept. They told me that i would receive a provisional credit in 10 days. On XX/XX/XXXX i got a email saying my dispute was denied. I called chime dispute team and they told me that they denied my dispute for insufficient evidence. They said they didn't get a response from the Merchant. 
I myself tried to call the Merchant and The Merchant ( XXXX ) has no phone support.

My wife had Covaid 19 and we are really struggling to make ends meet. This {$1400.00} was to go toward our bills. On Chime bank website it clearly states that Visa has a zero percent Liability policy on unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Avant Holding Company, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX, Avant LLC charged the entire statement balance to my checking account without any correspondence or account statement after they had canceled my card without warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: BARCLAYS BANK DELAWARE
State: MA
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:
BARCLAYS BANK DELAWARE This company was trying to open credit card under my Date : XX/XX/2021 also XXXX Inquiry Date : XX/XX/2021 this one I never authorized

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 2019-07-12
Company: Credit Karma, LLC
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 information incorrect

Complaint:
There has been a hard inquiry into my credit from XXXX XXXX that I did not apply for. I am concerned that someone has stolen my social security number and is trying to get credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, PLEASE REMOVE THE DEROGATORY ACCOUNT OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THOSE ACCOUNT. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND CORRECT YOUR REPORT FOR THOSE ACCOUNT WERE INACCURATELY PLACED ON MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
OnXX/XX/2019InoticedthatanautomaticwithdrawalwasmadefrommycheckingaccountbyCoinbase,thebitcointradingcompany.IreachedouttothemonXX/XX/2019andwasinformedviaemailthattheywouldgetbacktomeassoonaspossible.Inthemeantimetheydisabledmyaccountwhichhadapproximately{$2000.00}.IaskedforanexplanationonXX/XX/2019butnonewasreceived.OnXX/XX/2019Ireceivedanautomaticmessagesayingthatmybalancehadbeenincreasedby{$1000.00}.However,myaccountwasstilldisabledwithnoaccess.Ihavetriedcontactingthembyphone,butyou'redisconnectedassoonastheyrecognizeyournumber.Theywillnottakecallsfromanyothertelephonenumber.

Iamatwitsend.Icanillaffordtolose{$3000.00}.

ThetwocaseNos.theygavemeareXXXX&XXXXCanyoupleasehelp?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

THEY ALSO STATED THE ACCURATE IS REPORTE 100 % ACCURATE TO MAXIMUM POSSIBLE WHICH IS NOT.

THE DATE ACCOUNT WAS OPENED IS NOT REPORTING ACCURATELY.

IT DOESNT HAVE ORIGNAL CREDITOR OR WHO IT WAS SOLD TO REPORTING.

THEY FULL ACCOUNT NUMBER IS NOT REPORTING.

THEY DONT HAVE ANY CONTACT INFORMATION PROVIDED ON EXPERIAN WEBSITE. 

THEY SAID IT WAS AN REVOLVING ACCOUNT WHICH IS INACCURATE, XXXX SAYS DIFFERENT.

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 2022-08-10
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed on XXXX and sent {$200.00} through XXXX on XXXX XXXX XXXX at approximately XXXX XXXX. Person immediately stopped responding after I asked for the money back. I reported this issue with my bank by disputing the charges. I have read that Citibank will more than likely deny my request and the next step is to file a complaint with the CFPB.

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 2020-10-09
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Ive used my American Express serve card for years and still use for direct deposit. Their dispute department is terrible when it comes to ATM errors on withdrawals and wont refund your money. I had XXXX $ taken from my card On XX/XX/XXXX from the XX/XX/XXXX atm on XXXX grand concourse in the XXXX. I had XXXX $ taken from my card on XX/XX/XXXX from XXXX XXXX in XXXX on XXXX XXXX XXXX as well. I tried to withdraw XXXX $ from the ATM to only receive XXXX $ and a ATM error displayed on the screen. I checked my serve account to find it took out the XXXX $ from my account but I only got XXXX XXXX I disputed the transaction with picture evidence of the XXXX $ in hand and the ATM showing the error on its screen. XXXX agreed to give me XXXX $ in provisional credit while they investigate. Days later they email me saying no funds are due and they are reversing my provisional credit. WHAT!? Instead of agreeing with my dispute and leaving my XXXX $ I worked for, XXXX rejected my dispute and took the XXXX $ provisional credit back leaving my account negative. Proceeding to reject my disputes with picture evidence of an ATM error and telling me the merchant provided documentation the XXXX $ was dispensed. Which is hilarious because I was the only XXXX in the place who witnessed an ATM shoot out XXXX $ on a XXXX $ withdrawal, display an ATM error on screen. I took a picture for this VERY REASON. Im pretty sure the ATM was low on funds and only had XXXX $ left. No matter how much I call or dispute, serve refuses to put my money back. My evidence doesnt matter. I tried to take out XXXX $ at XX/XX/XXXX to have it shoot out nothing and say ATM error. I didnt take a picture that time so I accepted serve rejecting my dispute. I cant accept this time. Dispute department is just going off the merchants word.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX Re : Select Portfolio Servicing, Inc. Loan # XXXX Letter dated XX/XX/XXXX, regarding requirement for XXXX XXXX  Please be advised that I was approved for a XXXX XXXX XXXX XXXX Loan on XX/XX/XXXX, said loan having been owned by XXXX since XXXX and serviced by XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX did not require XXXX  coverage until you purchased the loan on XX/XX/XXXX, and your servicer claimed they needed said coverage. 

I have spoken to XXXX in your servicer 's insurance department, and she indicated that this is an arbitrary requirement of their company. I have had mortgages on the subject property since XXXX, and I have NEVER been required to provide such coverage. 

As indicated, this is a Flex Modification Loan, approved with specific income guidelines. Because your servicer has indicated that this is an arbitrary requirement, that the property is not located in a Windstorm Zone ( Outside of 10 miles of the Atlantic Ocean ), and that said coverage would pose an extreme financial hardship to me, I respectfully request that this arbitrary requirement be waived. 

Sincerely, cc : Select Portfolio Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
We state for the record to XXXX, Transunion, & XXXX of the alleged accounts : That I did not sign any instruments pertaining to those accounts listed above either as maker or endorser with wet ink signature. That the signature of any documents annexed to the accounts listed on the FTC report is not my wet signature on behalf of XXXX XXXX XXXX ( assumed business name ) but is instead is a forgery made without my full disclosure, knowledge and my approval. 

XXXX XXXX XXXX XX/XX/XXXX U S DEPT OF EDXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2021-12-01
Company: Idaho Housing And Finance Association
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to Complaint XXXX which was submitted on XX/XX/XXXX. 

After our Mortgage servicer voluntarily dismissed their foreclosure action they have refused to take payment on our mortgage citing the fact that they had started a foreclosure action and because of that their system won't allow payment to be made. That conversation happened around XXXX CST on either XX/XX/XXXX or XX/XX/XXXX of 2021. The representative of Idaho Housing and Finance Association  said that the call had be escalated to a supervisor and I would be getting a call back within a few days. It is now a month later and there has been no communication from Idaho Housing and Finance Association. 

On top of that when we checked my wife 's credit score my wife 's credit score had been negatively impacted by Idaho Housing and Finance Association and had not been fixed. 

It should be noted that the companies lawyers broke the rules of Iowa Civil Procedure at least once during litigation by submitting a document saying that they had held a Trial Setting and Discovery Conference with us. This should have amounted to lying to the court as this would have been a step that is required for any case that is heading to trial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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 have contacted the XXXX credit bureaus as well as USAA SVG BK challenging the factual, accurate, and compliant reporting of this account XXXX  times ... .each time it comes back stating that it is verified ... .how can they be verifying this account with all of the inaccurate reporting between the XXXX bureaus? ... .i have attached a copy of the report with all of the inconsistencies circled..this account has been re aged, this account is reporting as a charge off but also reporting a past due balance that is a violation from everything im reading... .this account is reporting as a charge off but also reporting a credit limit..that is a violation as well and thats just from what my untrained eye see 's ... i have circled all inconsistencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
TL ; DR Chase Auto Finance ( referred as " Chase '' below ) failed to request refund of a wrong-charged property tax even after numerous communication. First they told me I did not have to pay this wrong property tax, then they tried to collect debt on it aggressively. 
Details : I leased the vehicle from Chase between XX/XX/XXXX -- XX/XX/XXXX. During the time, I registered the vehicle in XXXX CT between XX/XX/XXXX -- XX/XX/XXXX. However, due to some incorrect calculation, I have been charged for an extra year of property tax in CT, which was around {$900.00}. 
Around XX/XX/XXXX, when I noticed this issue, I immediately called Chase several times and their representatives confirmed that I didn't have to pay this because they would request refund to write-off this balance. Then per their requirement, I mailed all the proof for their refund purpose. 
I continued to pay all my monthly payment until I returned the vehicle on XX/XX/XXXX. Meanwhile, Chase kept telling me that I did not have to pay the property tax because they were requesting the refund. Out of good faith, I paid extra more than {$800.00} to cover the {$300.00} turn-in fee and hoped they would refund me the rest as long as they receive the refund from the property tax form XXXX XXXX. 
From XX/XX/XXXX, Chase suddenly started the debt collection process first by themself and then turned this account to several debt collection agents, claiming that I have to pay them back around {$500.00} regardless there is any potential refund or not. This behavior caused lots of interruption in my life. 
At the same time, I called Chase numerals times asking whether they had requested refund from XXXX XXXX. They said they did, as long as I remember, they confirmed they requested this refund on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
However, I called XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX on XX/XX/XXXX, according to the their record, there is no refund made from Chase at any time. Then I called Chase again at the same day asking why they deliberately procrastinated the refund request and what they wanted to do to resolved this case, they refused to give any resolution. 
Clearly Chase have long been ignoring the legitimate refund request on purpose to create unnecessary balance. At the same time, they were still aggressively collecting the non-existed debt. Their service and this whole experience caused a huge pain and an unreasonable burden for me, because I had to communicate with several debt XXXX, have long call with Chase in numerous times and even find record from the XXXX XXXX. 
I demand Chase to stop the debt collection and refund my net balance as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I still see items that aren't mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf, I don't understand what's going on but these items are not mine and all these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. ( lnquiries ) : XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX 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 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This bank has treated me horibke their customer service I lost my credit card to report fraudulent transactions that incurred on the card and they told me not to make a payment and now I login and find out they closed my card after being a loyal customer for 4 years and want me to reapply

Company response to consumer: Closed with explanation