BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my loan to Select Portfolio Servicing , Inc. in XX/XX/XXXX every since then I have been having problems with my mortgage. They are a company out of Utah whom I am not sure if they know California mortgage laws they are very rude when they talk to you on the phone once they even hung up on me because the manager said they were closing and his reps were tired. When they took over my loan I was paying my flood insurance on my own, XX/XX/XXXX I received my paid declaration page from my insurance carrier I called them and asked who paid my insurance they replied SPS did. I then called XXXX XXXX and asked them why did they pay my flood insurance they stated the laws in Calfornia requires them to pay my flood insurance from my escrow account even though paying it shorten my escrow balance. XX/XX/XXXX I received a notice stating they added very expensive flood insurance to my loan even though they had already paid flood insurance through my escrow account. I called and the people on the phone insisted it was n't paid and they were going to leave the enforced insurance. I had to called my insurance company explain to them what was happening and ask them to help me eventually XXXX helped me to resolved the problem. Recently I received a notice that my flood insurance was not paid I really thought it was a mistake until XXXX XXXX sent me a letter stating I have no insurance so they were adding there expensive insurance to my loan again. I almost passed out I 'm thinking this just ca n't be they told me not to pay it that it 's part of my escrow account yet when I called the uncaring guy on the phone just said he did n't see were it was part of my escrow account and they did n't budget it into my escrow. They got me now, I have to find money somewhere to purchase flood insurance or have mine reinstated so I wo n't have to take their expensive coverage. This is going to ruin my grand kids XXXX and something tells me they are going to do this again the only way to make them stop is to walk away from my home. What a horrible company, it 's sad we do n't have a chose and how many others have they done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Following up on a complaint filed XX/XX/20 for Chase Bank XX/XX/XXXX : Visited and told to return the next day at XXXX after explaining my situation. 
XX/XX/XXXX : Arrived for my appointment - couldn't be helped. Removed cash from my account in order to have it in my hands given other than this option I had no access to it. Spoke with 2 reps in person - one was a manager of some sort - he could have cared less. They couldn't even tell me why my phone number linked to my account didn't work - which is why I couldn't handle this over the phone. I tried, but the rep stated my phone number was coming up as NOT registered to my account. It's the only number I have and was used to set-up this account remotely and Chase had already sent me an activation code using this line. 

Branch Visited : XXXX XXXX and XXXX XXXX, XXXX- XXXX - New York XX/XX/XXXX : Filed Complaint with CFPB XX/XX/XXXX : Chase Bank responded Manager I spoke with : XXXX or XXXX or XXXX   Direct phone # XXXX The manager had no additional information in regards to my account. Could not answer any of my questions in regards as to why my account is locked. Said he was not even aware of the problem and was simply told to 'give me a call ' and offered me an appointment with him personally. Now - that's nice if I was A. In the state and B. Had nothing better to do with my time than to visit their branch for a 3rd time during a pandemic. He offered to make me an appointment with a banker at the nearest location to me, which is XXXX, VT. Currently, an 1:20 min drive in one direction from where I current reside. He had no other solution to offer and told me to follow-up with him once I was back in the city. Maybe they could help then ...? 

XX/XX/XXXX : Chase bank responded and dismissed my complaint. 
XX/XX/XXXX : Complaint was closed by CFPB As of now - issue still exists. I have no access to my money via electronic payments debit card, online banking, and phone teller or rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: MO
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 XXXX  Experian and XXXX should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove 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 2020-05-01
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was able to identify two transactions on my credit card that were not made by me. The dates and amounts of the transactions were XX/XX/XXXX for {$200.00} and XX/XX/XXXX for {$800.00}. Both transactions were with the same merchant XXXX XXXX. 

On XX/XX/XXXX I opened a dispute for these transactions and Chase had my old card # closed and sent me a replacement card. I was told that an investigation would occur. Over a month passed and I heard nothing about the investigation, and my account was never credited back for these fraudulent charges. 

On XX/XX/XXXX I contacted Chase after looking at my account and noticing that I was re-billed for the fraudulent charges and they had been posted to my account on XX/XX/XXXX. I asked if I could be told why I was re-billed and I was told the team that answers for fraud investigations is currently closed for calls due to COVID-19 but they will reach out to me to discuss. I was provided the phone number for their fraud investigation team. I called and was prompted with an automated message stating I can send my updates for the fraud investigation to a specific email that needs contain my account number. I don't feel comfortable sending my account number over email since that medium of transmission is not encrypted and I do not know who has access to the mailbox. This solution is not an acceptable method for disseminating sensitive information. 

On XX/XX/XXXX I reached out to the vendor and confirmed that he no longer uses the XXXX XXXX for his credit card transactions and that the last time I received services from him was on XX/XX/XXXX and was charged on that date. There would have been no additional charges in the year of XXXX. 

On XX/XX/XXXX I received a letter in the mail dated for XX/XX/XXXX stating that the review of the unauthorized transactions was completed and that I was responsible for the following transactions because I received benefit from these transactions. I contacted Chase once again and I was once again told that the team that I need to reach out to regarding these disputes is still out. 

As of XX/XX/XXXX it's been 44 days and I have yet to hear anything from Chase and I can not even appeal the decision on these unauthorized transactions. To be 100 % clear, I did not authorize either of these transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses. They were supposed to respond within 30 days.

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 2018-05-19
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I have tried several times in the last three weeks to get my annual credit report from Experian. Each time, Experian immediately indicates that I have to send the request by mail ( it does not ask any questions, or give any reason ). I do not like sending sensitive mail by post, and would like to just download my report. I believe Experian just does this to discourage people from requesting their reports.

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 2017-11-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with XXXX XXXX XXXX  at XXXX XXXX on XX/XX/XXXX with {$200.00} bonus offer. The offer term stated that I need to " Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the  amount of at least {$300.00} must post to the new checking account. '' and " The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. ". 

On XX/XX/XXXX, I had an incoming direct deposit for more than {$200.00} to the account. However, after 60 days from that I still did not receive any bonus. I called ( XXXX ) XXXX ( BBVA Customer representative number ) on XX/XX/XXXX and was told to wait. On XX/XX/XXXX, I called again and was told that I have already satisfied all requirements but there was some problem with the system, and I will receive the {$200.00} bonus by XX/XX/XXXX. However, I still have not receive the bonus yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Due to financial issues, I looked into and decided to work with a debt consolidation/relief company. Before missing any payments on any of my accounts, I updated all contact information with the debt relief company 's name and phone number and closed all the accounts included in the program. All of the accounts except the ones with XXXX XXXX began working with the debt relief company. Once the collections calls started coming to me from XXXX, I would answer them and inform them that I was participating in a debt relief program and that they should contact them directly. They insisted that they wouldn't and that the calls wouldn't stop until I made a payment. There were days that I received up to 12 calls from XXXX XXXX   until I started blocking the numbers I recognized were from their office. I have a few accounts in collections with them and I began answering one out of every five calls I got to remind them of the situation and let them know that they should be contacting the debt relief company. Today I answered an unknown call on my cell phone and told the lady the same thing, that I'd entered into a debt relief program and she told me that they would keep calling me until they received a payment. She also said that my account was going to be charged off after 5 months and asked if I wanted that and told me that it would negatively impact my credit. I have all of my phone records from XXXX showing the excessive number of calls I've received. For example, on XX/XX/18 alone I received 7 calls and those were only the ones that weren't from numbers that I had already blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-03-18
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX/Navient made up a fraudulent Tuition Answer loan application for {$15000.00} for the semester of XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX , XXXX NY. XXXX. Supposed applicant was a XXXX. Old XXXX working part time at XXXX XXXX. Stated income ( {$7800.00} ) was based on work experience of 2 months. No co-signer or co-borrower information was entered on loan application. Supposed loan application was received by XXXX XXXX on XX/XX/XXXX and  funds were released to college on XX/XX/XXXX. Check was supposedly mailed to college but they have no record of it. Also, student expenses for this semester were under {$500.00} because no tuition was paid ( father worked at college/no tuition for attending child ), student lived at home and commuted, book costs were very little. The college verbally stated that they would never have okayed a loan based on these costs for any student.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to dispute the following information reported by PennyMac on my XXXX  credit report ; 1. The Condition of the account is Open, not Derogatory.

2. The Status of the account is OK, not on a Payment Plan.

3. My Chapter XXXX bankruptcy was Discharged on XX/XX/2016 
4. The current balance of the account is {$320000.00} Enclosed you will find copies of documents supporting my contention. Please investigate this matter and correct the disputed items to reflect the true standing of my credit. I further request a written response within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- OTHER ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Revco Management, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My family and I moved and we paid all XXXX XXXXXXXX two times and at each time XXXX  XXXX would send a refund!! Now Im getting a bill stating that I owe XXXX XXXX XXXX!! We had not been at my old address for over 7 months, so why Im getting a bill?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22
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:
I just pulled my annual credit report and noticed several accounts that were opened in my name without my consent and was told to file a complaint to get the situation taking care of with the credit bureaus

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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION / NO KNOWLEDGE OF THE ACCOUNT / TOO MANY ADDRESS AND INQUIRIES NOT AUTHORIZED BY 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 2021-04-30
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX XXXX my wife and I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. I co-signed with my wife on the loan financed through Chrysler Capital, I believe we may have qualified for a interest rate than the one extended to us of 22+ %. During the pandemic I have made several attempts to refinance the vehicle for a better rate only to find out the LTV is to high. My wife was able to defer a few payments but that only makes the situation worse with the very high interest rate. We still owe approximately same amount on the vehicle as we did when it was purchased almost three years ago. I reached out to Chrysler Capital trying to get them to restructure the loan which they declined. I reached out to the President/CEO of the parent company on XX/XX/21 which he passed along to a lower level management team that still denied the request only offering to defer the loan more and that would not help the situation. They advised me they do not refinance there own loans and I should seek help from an onside bank. I advised them the issue is not wether or not I can refinance its the fact the the interest rate given to us did not allow us to gain equity in the vehicle, making the loan almost impossible to repay if there is the slightest issue and you need a deferment or miss a payment. If we were to defer a payment for two months that equates to {$1000.00} in interest added to the loan. We are unable to refinance or trade out of the vehicle because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Navient Solutions, LLC.
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:
There are accounts from student loans on my credit report that is stopping me from getting credit or housing. I have contacted each credit reporting agency and requested that the accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: DISCOVER BANK
State: RI
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:
On XX/XX/XXXX my Discover card was charged a large amount of money at a jewelry shop in XXXX MA. I have contacted Discover multiple times to have this issue resolved. They continue to not give me a reason for why they will not remove the fraudulent charge. They have stated to me that they had signature and picture evidence that my ID was used at the point of purchase but they have not provided any proof whatsoever. Discover has also continued to harass me with collection calls and emails on a balance that was not my own. Discover has " investigated '' multiple times but has failed to give me a valid reason as to why this was not a fraudulent charge. I have sent them proof showing that I was not there around the time that the purchase happened. The location where the purchase was made is about a two hour drive from where I live. I very rarely travel to XXXX and I never make purchases of that amount. Discover should have verified the transaction with me before it was authorized as it is well outside my typical purchasing area or transaction type. This is my final attempt to have this resolved with discover. My next action will simply be to get a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed 2 credit cards at chase Bank. I asked then the amount, witch they gave me. I walk across the street to my new bank, XXXX XXXX XXXX XXXX, and they gave me 2 cashier checks for the exact amount chase told me I owed them so I could close the credit card accounts. They took the checks and said my accounts would be credited, and closed. A year later I got letter from collection agency telling me that I owed XXXX for one card, and XXXX for another card. From chase. I called and said I don't bank with chase. They said I had 2 credit card with them that were maxed out and they haven't received any payments. I said because I closed both those accounts over a year ago. The didn't want to hear it, so I called chase, I tried to get someone to discuss with. They didn't want to hear anything I hade to say. Just that it's in collection, it's to late to talk to chase

Company response to consumer: Closed with explanation