BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Ditech Financial LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called XXXX XXXX for a mortgage payoff for the property at XXXX XXXX XXXX, XXXX, NH, LOAN NUMBER XXXX. I was very firmly told to make the XXXX payment because Ditech was going to pay the real estate taxes. I told them I would wire them funds on XXXX XXXX XXXX. Their representative demanded I make the XXXX payment. It is XXXX XXXX XXXX, I do not have my escrow proceeds of {$1200.00} and I do not have my XXXX mortgage payment of {$1400.00}. XXXX XXXX did NOT pay my real estate taxes to the town of XXXX, NH. Ditech owes me {$2700.00}. I have spoken with XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and today, XXXX XXXX XXXX. XXXX XXXX maintains the United States Postal Service lost the two checks. I asked them to wire the funds and volunteered to pay the wire fee. Today XXXX XXXXXXXX said they could not wire me my money, and that they sent replacement checks on XXXX XXXX XXXX. I wired them the payoff funds per their request on XXXX XXXX XXXX. I want my money returned to me immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX/XXXX/XXXX I got a fraud alert on on my computer from Chase asking me if a purchase form XXXX XXXX ( XXXX ) for {$5900.00} was mine as it did not fit my  pattern of behavior. I said no and they immediately closed down my account and sent me a new card and credited my account for the purchase. About one or two billing cycles later the charge reappears on my account. I called Chase and asked why and they said that XXXX says it 's mine. I disputed the charge and was again told that XXXX still says it 's mine. I made a few calls and spoke with the Security director oXXXX XXXX. They said it was charged to my account and sent to my address and that 's that. I asked for and received a copy of the XXXX receipt of delivery. It was signed on XXXX at XXXX which is a Wednesday at which time I am at my desk in another state ( NJ ), with my name but is not my signature. The name was simply spelled out in pseudo script.I explained to them that I live in a doorman building and we do n't sign directly for packages. The doormen do on a computerized system. I asked for and received a copy of the computer log from the co-op management and, of course, I received no package from anyone on that day. I have since spoken with a dozen people from Chase 's Fraud dept.after again filing a dispute with them. They say that XXXX wo n't relent and that it is my charge. From the people at XXXX and Chase I learned that it was a phone order, I have no idea where the order confirmation was sent but I received none, and the the item purchased was a XXXX Handbag for {$5900.00}!! I just filed an XXXX report but the charge is still on my account. I will not pay the charge and want it, and any accrued interest on the charge refunded and damages for four months of sleepless nights and aggravated days that I have had to suffer. My assumption is it is someone at XXXX as they are the only ones that have access to those delivery receipt computer machines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : 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 2017-11-03
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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: Overcharged for something you did purchase with the card

Complaint:
I called Captiol One customer service numerous times over a 2 month period and I already submitted a claim to you which is claim number XXXX. 
Since they seem unable to figure out my balance I have included a spreadsheet of all the purchases and all the payments. I also included a print out from XXXX XXXX which statements the money remitted on my behalf to Captiol One. As you can see from this information I have credit balances on both accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-06
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:
I have previously submitted a complaint with number XXXX in regard to Experian reporting incorrect information on. my credit profile. 

On XX/XX/2020 Experian responded in a nonchalant manner and requested information i have already supplied them weeks ago. In addition, Experian is accusing me of using a credit repair service and will not stop reporting incorrect information.

I'm very educated on the Law and i wont let Experian get away with this none sense. I have already sent a copy of my ID, passport, social security card to Experian with a bank statement. I have all my previous letters that i will upload to this claim again so Experian can have some common sense and remove this incorrect information immediately.
I Know Experian is breaking the law by ignoring my previous attempt and has all the information required but they are not able to verify the accounts and has yet to provide me any supporting documentation. I have Experian online monitoring and my identity has been verified and my correct name is shown on Experian 's online portal. I will not back accept nor tolerate these comical games Experian is playing. I will keep reaching out until all the requested accounts are removed from my credit profile immediately. If i have to complain everyday, file a lawsuit, or call i will not tolerate this at all. I will request that Experian
be fined {$1000.00} for each account they are reporting incorrectly on my behalf.

Like i previously stated in my letter that i will re-attach all previous correspondence. Delete these accounts immediately. I have sent my final letter to Experian vis USPS first class mail with tracking number

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}

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 2022-03-09
Company: Experian Information Solutions Inc.
State: MI
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}

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 2017-11-03
Company: EQUIFAX, INC.
State: ME
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:
On XXXX XXXX, I went to the website www.annualcreditreport.com and tried to request my free annual report to be provided to me through the XXXX. Postal system. I was on a public computer with no connected printer. This was not possible. The website only allows an online viewing and printing. 

The site provided a " contact us '' tab which provided only XXXX phone number : XXXX. I called this number about XXXX times and was unsuccessful in requesting my report. I do not have a phone and could not provide my phone number when requested. The answering machine would not let me proceed past this point. I tried many other options but never could get to a human. 

I went back to the www.annualcreditreport.com website and in the FAQs there are directions for downloading a form and submitting your request in writing. I have searched everywhere on the website but there is no form and no link to download a form.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was given a XXXX prepaid gift card by my boss for XXXX last year. Never tried to use it until XXXX XXXX, but at the register it only registered {$1.00} and the purchase was considerably higher. After leaving the store I remembered I had n't used it before so looked on the back and although there 's no phone number for activating the card, there was a number for lost or stolen cards so I called it and was able to activate the card. Went back to make my purchase but this time the card was declined. Went home to check on internet and found out you have to register the card first, but when I put in the card number, the error message said there was no record of that account number. This morning I looked online again at https : XXXX and found literally thousands of complaints with exactly the same problems I had.

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 monetary relief
Consumer complaint received 2017-12-27
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been appoved for refinancing my primary residence from FHA loan to Conventional loan. I provided all documents that was required : income verification, bank statements Social security number verification, retirements awards, income tax statements. I am XXXX worked in USA for 20 years, I have 2 homes XXXX/XXXX in America. I got injured at work and was forced to retired. I am in XXXX temporary to do XXXX XXXX course so I can start the XXXX XXXX which is incorporated. My corporate lawyer sent a letter to verify who I was including my accountant. I was told I need more prove to come back and live in USA. I am a singlemom with a XXXX XXXX XXXX going to college and living in my house. I was asked to verify my son 's XXXX and the Regional Center provided the documents meamwhile my son is not on the loan. I felt exploit and discriminated. I even went to XXXX XXXX website that provide exclusion for people with XXXX to stay in their primary residence. All documents to support mt eligibility were sent with no avail. Very good credit score, income verification and source, Consumers rights. In California the source of verifing your address is bill statement, drivers licence and parcel assessment to verify your residency is provided. This is my Primary Residence housing my American Child with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
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:
My card was used for a {$480.00} XXXX flight. I did not make this transaction. Capital OneXXXX is not issuing me a refund because merchant says it was non refundable but I did not make that charge. It is a fraudulent charge and i want my credit of {$480.00} now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: EQUIFAX, INC.
State: NJ
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 have an account with XXXX XXXX which is closed for XXXX. The account is now reporting open on my equifax but closed on my XXXX and XXXX. Equifax is reporting the wrong information and is affecting my credit score and history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Funds are being held by PNC Bank even though the XXXX XXXX was declined. 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX PM XXXX {$7400.00} XXXX XX/XX/XXXX XXXX - Visa Declined Sale XXXX XXXX XXXX is not the issue. PNC Bank is the problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I work in the real estate industry and own several properties. My current residence 's loan was transferred at the end of 2021. We are now in XXXX and I have received notice that my homeowners insurance has not been paid and now I don't know if this house is currently insured. Additionally we had an escrow shortage due to a tax increase which I want to pay up front instead of the additional payment every month. And I have PMI which I want to have removed from the mortgage as we have reached that limit. 

This company is costing me money and potentially putting us at risk. This is completely unacceptable and I don't understand how a loan servicer is allowed to operate like this. It should be illegal and should require them to sell their company and loans to a competent loan servicer. 

I have read several reviews of people who have had very similar issues. Please do something about this, it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX, I received a letter from FedLoan stating that my account had been reviewed for PSLF with consideration of the Limited Waiver and have not made enough qualifying payments. However, upon review, only loans since my consolidation to FedLoan in XXXX were reviewed. I have had FFEL loans since XXXX and have been working in public service since XXXX. It is clear that the Limited Waiver has not yet been applied as stated in the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello I have repeatedly asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. To provide proof under the Fair Debt Collections Practices Act ( FDCPA ) to provide proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding me to pay this debt. There has been no signature or any type of paperwork on what is owed. I have not got any response from the company besides a plain paper with amount owed. This is hurting my credit score and causing problems with my finances, I believe not showing proof is against the law from collection practices. Please stop reporting this account to the credit bureaus if you can not provide any proof to me.I have certified records of the letters that have been sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have not been shown for months any kind of proof this is my account. Thank you

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 2022-03-09
Company: AMERICAN EXPRESS COMPANY
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:
I had an American Express Gold card for 12 years, And the past 3 years Obtain a Business Amex Card. During the pandemic the predatory lending of Amex customer service advised I open a XXXX amex XXXX and a XXXX Amex XXXX being, they were monitoring my spending habits ( Violations ) however upon opening the cards in XXXX and XXXX when I used them. I made payments to my American Express XXXX. I didnt not specify the card to be paid because there was only XXXX card that had a balance Since the Amex had Closed all of my accounts since XXXX without confirmed notification. This has become an undue hardship, it has impacted my life and way of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have done all 3 credit bureaus " debt validation " which was a joke!.

I want verified debt history of this collection account with notarized documentation of XXXX XXXX XXXX ownership. AND PAYMENT HISTORY.

FCRA & FDCPA VIOLATION!

THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged my card {$2500.00} for a 2 day rental that was previously paid for. They have no contract or agreement for that amount chase keeps allowing them to refill the fraudulent transaction repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Per the terms of the XXXX XXXX " XXXX XXXX '' feature with Citi, I filed a price match claim for three motion sensors, included all of the necessary documentation, and they refused to honor the claim while providing an incorrect legal basis. They claimed that the lower price I sent was from a " membership club, '' and failed to provide evidence that this was the case.

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 monetary relief