BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to Marriott.com to book a hotel for my husband XXXX XXXX for the dates of XX/XX/XXXX-XX/XX/XXXX for a total of $ XXXX/night totaling {$200.00}. When I went to pay with my credit card for the hotel, i saw a promotional offer for the Marriott Rewards Premier Visa. It showed the same amount for booking of {$200.00} with a statement credit of {$200.00}, leaving a balance of {$3.00} should I apply for this credit card. I clicked the " learn more '' tab and read about the offers of the Marriott Rewards Premier Visa credit card. I thought it sounded like a good deal and decided to apply for the credit card. Once my husband applied, a new window popped up saying he was approved for a credit line of {$5000.00}. I went back to the Marriott Reservation page to continue the booking, however, at that time I was not able to use the new Marriott Rewards Premier Visa card because there was no credit card information that was sent to me. I contacted Marriott and was told we could not use the credit card  until it was received and could not use it for the $ XXXX/night reservation. " To ensure that you receive this special advance purchase rate, we will charge your credit card a prepayment of XXXX USD ( your full room charge plus tax ) when you make your reservation '' is what would happen and I would not be able to pay for the room in XX/XX/XXXX with the new Marriott Rewards Premier Visa. I feel this is deceptive practices which strictly violates UDAAP. I was under the impression I would be able to use this new credit for this purchase today and receive the {$200.00} statement credit since it was right there on the check-out page and was not able to do so. I spoke with XXXX at Marriott who stated I was not able to use the new credit card and also, spoke with XXXX at Marriott who was with the customer care team who gave me the phone number to contact Chase. I spoke with XXXX at Chase who said she knew of the special offer and did not understand why I was not able to continue with the purchase, she then transferred me to a supervisor who ultimately stated the same thing, " If Marriott is saying I ca n't use the credit card, then there is nothing he can do. '' I cancelled the credit card application, but the supervisor stated the inquiry will still be on my husband 's credit report. I do not want an inquiry on his credit report since UDAAP was violated.
Chase wants to state that " if used properly '' the account number would have auto-populated, it did not and my husband is witness to that. I would not have called Marriott OR Chase had it populated. When I was on the line with Marriott AND Chase, the approval page was still up on my computer and I told both representatives this information and neither one knew what was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, INC.
State: AR
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 APPLIEDFOR AN APPARTMENT AND I GOT DENIED. I DO NOT 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 SEE ITEMS THAT ARE NOT MINE. I DO NOT UNDERSTAND WHAT IS GOING ON, BUT THESE ITEMS ARE NOT MINE AND THEY ALL NEED TO BE DELETED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We are submitting this complaint as the sellers of a property for which our buyer is using PRMG. My husband is a combat wounded Veteran and the purchaser of our home is also a Veteran. This process originated in XXXX and we still have not closed on this transaction, leaving our family with XXXX toddlers homeless. A water test ( as required for VA loans ) was not ordered during the original inspection on the property that took place in XXXX and this was discovered while trying to obtain a clear to close the week of XX/XX/2021. Once this happened, the loan officer ceased communication with the buyer and left all parties in the dark forcing us to push back closing on our business to be purchased and home- leaving us with potential losses of nearly {$50000.00} in escrow and a stacking hotel bill. The company has refused to make an exception for their oversight and has taken no accountability for the financial ruin that they have caused us. They have not acknowledged what can be done to assist and have made it clear they have no plans to. I would asked that the CFPB do a formal investigation into this and review if PRMG should be allowed to originate VA loans given their disregard for service members and their families.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Figure Technologies, Inc
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/27, I attempted to apply online to Figure ( HELOC ) company. Their system utilizes a soft pull application without the need for the applicant to input their social security number. I almost immediately received an Adverse Action notice for " Limited History ''. However, this is incorrect. I have multiple tradelines including car loans, credit cards, and a mortgage. I have had credit for last 8-10 years and have credit scores. Actually just got approved for a car loan the other day. When I contacted the company they stated that I can attempt to reapply but information from XXXX  is " Limited History '' and N/A credit score.  However, I guarantee this information is my father who has the same name, and used to live at my house/address who happens to not use credit at all. They are declining me for a reason that doesn't apply to me. XXXX  confirmed I also do not have " limited history ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: Total Card, Inc.
State: CA
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:
On XX/XX/ I submitted an ACH payment in the amount of {$210.00} from my previously used and saved bank account ending in XXXX. About a week later I get a notification from all 3 credit bureaus stating Total Card reported me 30 days late. I called and asked what exactly was going on with my account and they claimed that my bank account didnt exist. Thats not accurate as that was my main bank account and used it previously with Total and was even my primary saved payment method on my Total Card profile. I sent in proof of my bank statement for the month of XXXX showing my bank account was active and even pointed out other creditors I paid successfully. My bank statement NEVER showed a returned payment for that month and after speaking to multiple supervisors including a supervisor from the IT department they clearly said this was an error on the creditors system as a request for payment from Total Card was never submitted. I sent in a statement and my bank statement via fax and email to Total at the beginning of XXXX and again in XXXX and not once did I receive a phone call or email from response them. I was advised by multiple sources that any investigation shouldnt take more than 30 days. Ive yet to receive any response even after contacting the XXXX   regarding this issue with Total. I hope to have this resolved soon as its done dire harm to my credit and chances of buying a car. Thank you all for your time!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: EQUIFAX, 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:
THE DISPUTED INQUIRIES WERE NOT AUTHORIZED BY ME AND I WOULD LIKE THOSE INQUIRIES TO BE REMOVED OFF MY CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
four years ago I went into XXXX XXXX and purchased two vehicles and leased one vehicle ( total three in one day ). 

The lease ended XXXX, 2018. I was allowed 15,000 miles per year. 

Last XXXX I went into a dealership and purchased two new vehicles. I then paid the entire balance of the five remaining months lease. 

I've now received a bill for {$430.00}. 

I called Hyundai and explained I had turned the vehicle in when I purchased two new vehicles. I also told them I had only utilized approximately half of my allotted mileage allowance over the four year period. There was no damage ect. to the vehicle. 

I've now received a this bill stating I paid it off early. I explained I turned it in early BUT PAID IT IN FULL THROUGH THE END OF THE LEASE TERM. I also again stated I only used approximately half of the allowed mileage. They continually refuse to delete this " balance due ''. 

I called Hyundai and reached XXXX XXXX, who is a CSR. He said it was dead wrong that they were trying to charge me this money. He said he was submitting a complaint on my behalf and bc he was doing that the complaint would have to go to Corporate Hyundai to be reviewed. 

So they're basically saying bc I stopped driving the lease 5 months early, BUT PAID IT IN FULL FOR THE COMPLETE LEASE TERM. I'm going to have to pay them. This sounds ridiculous! 

You can reach me at XXXX XXXX XXXX if you have any further questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a debt collection notice from Midland, a subsidiary of Encore from its attorney, XXXX XXXX XXXX. I requested the following : Explain and show me how you calculated the entire amount of what you say I owe ; Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; If you purchased this alleged account, identify the SELLER you purchased it from and ALL PREVIOUS OWNERS. Provide me with ANY documentation which establishes your legal standing to collect anything from me. I was not provided with what was purchased, how the balance was calculated, what interest rate was used, etc. in violation of the Consent Decree that was entered into by Encore and the Consumer Financial Protection Bureau. I do n't know how these companies continue to conduct business by violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX after reviewing my credit report I notice there was an error on my report from Portfolio Recovery Associates, LLC. I sent them a Certified Letter request them to explain to me what the debt was and provide me with documentation as the debt did not belong to me. On and or about XX/XX/XXXX I received a letter back from Portfolio Recovery Associates, LLC. stating the account was sold to them on XX/XX/XXXX and at the time of the sell provided an electronic file of business records containing information concerning the account. On XX/XX/XXXX I sent another certified letter to them disputing this debt as it does not belong to me and was looking for them to provide me with additional account information, signed contract, etc and or remove the erroneous debt from my credit reports as it is damaging my credit history. On or around XX/XX/XXXX I receive a letter via US postal service from Portfolio Recovery Associates Stating they have reviewed my dispute and there record indicated that they had already responded dispute and because my dispute alleges no new fact they will not be conducting another investigation and if they continue to receive correspondence from me regarding this dispute they already resolved they will consider my inquire as answered and no further replies will be forthcoming. On XX/XX/XXXX I sent them another Certified letter to Portfolio Recovery Associates LLC. On XX/XX/XXXX They responded back via US postal service with the same notice they sent me on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I then sent them another Certified more detailed letter a form requesting alleged amount, amount that was paid for debt, Name and address of alleged creditor, a contract with my signature, a judgement for this debt, name and address of there bonding agent has any insurance claim been made by any creditor and to date they continue to send me the same information and report this erroneous debt on my credit reports. This is defamation of character and is costing me greatly as I am looking to establish new credit. i am seeking your assisting with resolving this matter and have also been seeking counsel from an attorney to to file litagation for this violations if this can not be resolved immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX by Experian reported an accident on my XXXX XXXX XXXX XXXX that I bought pre-owned from a reputable car dealership almost two years after the reported accident dated XX/XX/XXXX. I purchased the car on XX/XX/XXXX, and I received a clean and clear XXXX report, and XXXX Report with no reported accidents on either report, prior to purchasing the vehicle. I went to get a value on my car on XX/XX/XXXX and the appraisal had a reported accident on it that has an accident date of XX/XX/XXXX which is almost 2 years after I purchased the car. I then filed a case # ( XXXX ) with XXXX by Experian asking them to remove the accident, because I have proof there was no accident prior to the purchase of my vehicle. XXXX response was to go back to the previous owner for a response and they could not remove the accident report at that time. I went to the dealership and the dealership gave me a new XXXX report and told me the accident on the XXXX  report is incorrect or error and XXXX  should remove the reported accident. I again, sent an email to XXXX for the same case number ( Case XXXX ) and spoke with XXXX at XXXX asking to have the reported accident removed, because I went to the dealership and they confirmed the accident was indeed an error and should have not been reported, and his response to me was that nothing can be done to remove the accident from the XXXX  report and if I want to know the repair shop that reported the accident, I will have to get a subpoena. No other information is provided about the accident other than the date of the accident which seems irrational. 
Here are the issues with this problem : 1. ) This accident reported on XXXX has caused my car to lose at least {$2500.00} in value and I wouldnt have purchased the vehicle with a known accident. 
2. ) XXXX response is that any auto repair shop can report an accident at anytime even if the accident was more than 30 days after a repair, which is out right unreasonable and should be regulated for consumer protection. Accidents or repairs should not be reported later than a specified time frame such as 30 days for a repaired accident. 

I attached the reports to this complaint. Something must be done to fix this issue. Please let me know if you need anything else to proceed. 

Thank you for your help!

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 2018-07-09
Company: Peer Advisors, LLC
State: MT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
It's closing on the property that the reverse mortgage company holds the paper on : They have the original stock certificate, and no one seems to know where it is... XXXX ( formerly known as XXXX XXXX ) claims the fault is with their attorney, XXXX XXXX ; their attorney 's office claims it's XXXX XXXX 's fault. ( I've been dealing with the attorney 's paralegals ; calls/efforts made to get to the bottom of things have not been returned with information I'm seeking/our lawyer is seeking. ) The original stock certificate was ordered on XX/XX/XXXX ; the timing in which it's supposed to be " delivered '' to the attorney 's office is one to three weeks. Now, we're going on four. They get no more time. I have no reason to be patient when it's obvious that one one is doing their job ( plus, as I understand it, XXXX  's attorney gets paid by my Mom ; XXXX XXXX passes their attorney 's fees on to the owner ). No one is doing their job ; the incompetency level is unacceptable. This morning, I left a very stern message and request with " XXXX '' ( the paralegal ) at the attorney 's office, requesting a returned phone call from the lawyer/and answers ; nothing/no returned phone call/response. I left a stern message on XXXX 's manager 's machine ( XXXX ) ( I could not reach her ) ; again, no response ; nothing. The buyer for the property has her mortgage approved, the buyer and seller are ready to close ( XXXX/their lawyer knows this ) ; the buyer 's attorney and our attorney want to set a closing date ; I've gotten several phone calls from our lawyer that he's getting the run-around ; again, totally unacceptable ( the seller : my XXXX-year-old Mom ; I have full power of attorney ; I'm her daughter ). 

I have made efforts to keep things moving along smoothly since XXXX ( my original contact at the lawyer 's office, a paralegal, is XXXX ) ; I also made efforts to do the same with XXXX ( f/k/a XXXX XXXX ). My cell phone records will prove the numerous phone calls/efforts made. It never should have gotten to this, where I have to file a formal complaint. They're unprofessional and their incompetency is completely unacceptable. And, as you know, in the end, they all get paid...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: LA
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, Equifax and XXXX has not been updating my current credit score appropriately. Even after collections are removed and credit usage drops tremendously, paid half of loan off, and car note drops. No score has been updated. Yes i feel discriminated against because of my race to keep my score low even when I paid everything and do everything to improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The credit reporting agency refused to remove hard inquiries on my consumer credit report. I was advised that I needed to contact the companies directly. I mailed letters to the companies and they were returned to me as 'undeliverable. ' These hard inquiries negatively impact my FICO score. Additionally, the hard inquiries listed are a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions Inc.
State: PA
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:
This account is fraudulent. I've tried many times to get this taken care of. After obtaining a court order and documentation from the District Attorneys office showing that someone is utilizing my identity with an fake ID.

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 2021-02-01
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have received the same amount of payment for editing services from the same sender for several months. The first payment in XXXX was held for 21 days to make sure it wasn't a problem even though the sender approved it. Three payments have come in since then without a problem.

Another payment came in this morning from the same person for the same amount. Now, Paypal is holding the payment, saying that it is an " unusual transaction '' when it is the same amount and same sender that has been sent in the past, multiple times, without incident.

This is a blatantly false representation about the regularity of the payments and the sender. Moreover, Paypal won't allow the sender to approve the payment and confirm that she has received the services. It isn't even a possibility until 48 hours past the time she sent the money and then I must wait several days after that. 

If the transaction was truly unusual, I can see some justification for holding it, but it is so regular that they should almost come to expect these payments from this person. 

I tried to speak with a supervisor on the phone but nothing. I wrote an email to the General Counsel and received no response. All I want is the money I earned rightfully.

Company response to consumer: Closed with non-monetary relief