BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Roundpoint company in XX/XX/2023. I got a letter in XXXX from my prior lender, XXXX XXXX stating this was to occur and the next payment to be made would go to Roundpoint. XXXX XXXX 's letter provided the Roundpoint contact but no other info. XX/XX/XXXX, when I typically pay bills, I called Roundpoint and they said they did not have the transfer completed and could not provide me with any information so that I could pay the mortgage on time. They said I would receive a letter from Roundpoint when they were ready to receive payments. They reassured me that there was a 60 day grace period to allow all the customers to receive the necessary information to pay their mortgage. I never received a letter. I got a call about XX/XX/XXXX and the lady was quite rude, she said there is a grace period but the payment would still be listed as late, even though I couldn't have paid it without the loan number. As I tried to explain and ask for proper documentation she continually interrupting me. I stated I was waiting for a letter from them that clearly documents that the loan was transferred, the loan number, the amount of the loan and the interest. The rude customer service rep kept suggesting I could solve all these problems myself, and could have already paid the mortgage. This loan is {$450000.00}, and this is serious money to me. I want a document that shows the loan is accurate. There can be mistakes and fraud and I don't want to be a victim of a scam. She never assured me that a paper letter would arrive that would provide this needed and required information. She said " check your email junk folder.. I did and a letter providing some basic info but not complete info was there. just enough to pay them, but no statement of loan amount or interest. This reeks of fraud. I would like them investigated. The mortgage industry has a very bad reputation and this is another example of why. I have perfect credit, and I will pay them, but I am reluctant to continue to work with this company and it isn't fair to me to have to consider refinancing due to this type of behavior.

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 2022-12-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account at the end of XX/XX/2022 XXXX I received a letter stating that I had to bring identification documents to open an account and when I went into the branch to open an account they would not give me a reason as required by law they also refused to give me a reason for my previous account being closed they are violating my rights under the fcra by not giving me the specific reasons to my they closed and cloud not open the accounts. I was discriminated against on the basis of gender identity repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
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: Information belongs to someone else

Complaint:
In 2013 I was notified that my social security number, drivers license and credit card information was compromised in a data breach. I notified the police and followed the security suggestion. I pulled my credit report a few weeks ago only to find out their are accounts on my credit report that does not belong to me.

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 2021-03-20
Company: Paramount Recovery Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A {$79.00} dollar debt was placed on my credit profile however, I was not given any information regarding this debt nor was I ever admitted to this hospital. This information is false. No debt verification information was sent to me to verify this debt, it was just placed on my credit report without proper knowledge. This company did not provide me with validation of this debt but placed an unverifiable debt on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get a proper feedback from them for days and I just discovered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal to receive the salary for my job writing produce descriptions for household items. PayPal is the only payment method available. The email linked to my PayPal is " XXXX '' I have received two payments on this account both amounting to {$500.00} and exactly equal to the total amount indicated in the file I've attached from my source XXXX my work dashboard ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XX/XX/ Ive been dealing with chime about them closing my account and not receiving my funds back they asked me to send in every documentation to verify myself which I provided & they still keeping my money.i aint even asked them to send back to the original sender and they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
To whom this may concern : I have no knowledge of the accounts on my credit report. 

The accounts that I dont have knowledge of is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these inquiries because I did not authorize them.

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 2023-05-02
Company: EQUIFAX, INC.
State: VA
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:
To update this suspicious information, I filed this report. I shall take legal action against Credit Bureau if they fail to verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2022, I sent XXXX a certified mail letter requesting information in which I have yet to receive a response! XXXX is in violation of my rights as a Federally protected Consumer!

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 2023-03-20
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I bought a condo in Florida in XXXX of 2021. My initial loan was serviced by United Wholesale Mortgage. I had no Escrow - I paid my taxes and insurance directly. There were no problems. In late XXXX of 2021, my loan was sold by UWM to Mr Cooper. I continued to pay my insurance and taxes directly. Mr Cooper had additional insurance added to my policy ( despite me sending them my current insurance information ) and they were suddenly charging me an escrow in the amount of {$2700.00}. I disputed this several times and they kept charging. I continued to provide proof of my insurance and payment of both my insurance and taxes. Since then they have sold my loan to XXXX ( who has been great ) - but they are still collecting an outstanding Escrow about that Mr Cooper claims I have. After the latest analysis- they are claiming an additional {$620.00} I would like to get this resolved - stop paying money that I do not owe and collect the years worth of overcharge payment. I call Mr Cooper - I wait on hold for hours, and am then cut off. If I do reach someone, I get transferred all over them place and am told they can't help me since they no longer have my loan. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-12
Company: Experian Information Solutions 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:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-03-09
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Opened American Express account in approximately XX/XX/2019. I have never used the card. On XX/XX/2019 received email stating " in XX/XX/19 ANNUAL MEMBERSHIP FEE Cover your annual membership {$250.00}. '' I immediately called American Express about this deceptive and hidden fee. I asked them to close the account and remove the fee. The fee was not due to be paid until XX/XX/2019.  They closed the account but the fee remains. I have never used this card. I have received no services from this account. The only charge on it is their outrageous {$250.00} annual fee. Once this charge was brought to my attention I immediately called and tried to resolve. 

Please have Amex remove this fee and discourage their deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: American First Finance, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have no knowledge of this account. I called and was told the account was transferred from XXXX XXXX XXXX for which I've never financed any furniture. I reported to police department that my identity was stolen therefore several accounts were a result of theft due to my wallet being stolen. Also, this billing company who placed the account on my credit apparently purchased the account for pennies on a dollar in hoping to collect of a fraudulent account. This debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: PHH Mortgage Services Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I fell behind on my mortgage so I hired an attorney to assist me in applying for assistance. My attorney provided PHH/XXXX with everything they needed on XX/XX/19. Complete loss mitigation application and financials. My attorney has been calling now since that date and the phone originally would not pick up. It said they have technical difficulties. I have a notice default and my home is scheduled for foreclosure soon. My attorney says there is RESPA Law Regulation X that requires a servicer to respond and review my request within 30 days. It has now been over two months and no response. They are in violation of RESPA law and this is not fair and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I used Pay Pal to purchase items which I later returned. The amount was {$73000.00}. Pay Pal only processed {$150.00} to my credit card, keeping the rest, {$580.00} in Pay Pal. I received no email, phone call, or contact explaining any problem. Only when I tracked my account did I discover that Pay Pal kept my money. I called and emailed them multiple times. The email responses were robotic responses that had nothing to do with my issue. When I phoned them, they initially kept me on hold for 20 minutes and then and they kept me talking with a female " XXXX '' and her supervisor " XXXX '' and on further holds for 55 minutes while they continuously refused to refund my money, insisted that I give them my bank account and debit card numbers and codes, and blamed my XXXX card for why they did not return the entire amount. I contacted my XXXX card and they denied any obstruction to receiving refund money. Pay Pal still has my money. They say I can request a check which could be issued in 3 weeks. This is entirely wrong and represents extortion for my bank account numbers. In this era of people 's privacy being voilated, identity and cyber theft, I am concerned that Pay Pal is putting me at risk and holding my refund money hostage, hoping I 'm stupid enough to give them access to my bank account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
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:
XXXX ; Experian and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.

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 2022-12-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX : # XXXX, Account name : # XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX/DOFED XXXXXXXX XXXX/DOFED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was traveling across the country on XX/XX/XXXX when my card was used in my hometown at an ATM to withdrawal {$300.00}. I had the physical card with me in a completely different state almost 3000 miles away. Capital One let the charge go through and also charged me a {$10.00} ATM fee. I have been a Capital One customer for 15 years and I have never used cash advance and do not even have a PIN associated with my account. I called Capital One and they reversed the charges. It is now XX/XX/XXXX and they have reinstated the charges, claiming it was not fraud. I spent 2.5 hours on the phone with the company and was transferred to several supposed Account " managers '' all with common names like XXXX and XXXX. They claimed that I requested a new card the day before I left for vacation, which I explained this is my only credit card and that makes no sense that I would request a card to be sent to my home address when I am 3000 miles away with no other form of payment. Also, this is the first time I had heard that " I '' requested a new card and have no email notifications or account notifications from CapitalOne of this request. I also stated I never received this supposed card and they flat-out told me that I did receive the card, which is essentially calling a loyal 15-year customer a liar. I filed a police report about the fraud and informed capital one, and they said there's nothing they could do about it. I asked to be transferred to their legal department. They put me on a 20 minute hold and came back and said they could not transfer me. I work for a XXXX XXXX and have now sent a certified letter to the president of Capital One. I am simply asking for {$310.00} fraudulent charges to be erased from my account, and am in-turn being called a liar and being told there is nothing the company can do. I have sent proof that I was in a different state and have filed a report with the FTC and alerted the credit bureaus. Capital One is refusing to do anything about the fraudulent withdrawal, the ATM fee, and the card they supposedly sent to me that I did not request.

Company response to consumer: Closed with monetary relief