BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: JPMORGAN CHASE & CO.
State: AL
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 balance transfer

Complaint:
Around XX/XX/18 I filled out an application for a balance transfer with the amount that I wanted transferred from my current account to my new chase card ( around {$5200.00} ). I received a call about a week later confirming it was me trying to get this balance transfer. I gave the man from chase my info and he asked me to hold on a minute and he will go ahead and run it to see if I am accepted. He got back on the line and said everything was good and I was accepted for the balance transfer. He did NOT tell me I was only accepted for a fraction of the money I requested transferred. I was looking for someone to transfer the full amount, and if they couldn't, I would not have continued with them. I would have found a card that took the entire amount. I did not know this until I received 2 letters in the mail from chase 1-2 weeks later. One letter was the new credit card and the other was a letter stating they only transferred 1/4 of what I had requested and specifically put in my application. I called chase about a week ago and tried to see if they could fix this or just reverse it all. I eventually was sent to a " supervisor '' that told me it was past the grace period and that I only had 2 options. Either they can run another credit check, and possibly lower my credit score 30+ more points, or I can just deal with it. She also stated that running another credit check doesn't guarantee I will even get the full amount transferred. The whole reason for me requesting a balance transfer was to give me more time to pay off my debt with no fees and no interest for a year while I get my credit score where I want it to be.. Now I am stuck with 2 credit card payments and a credit score that has dropped 30+ points over just {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting an XXXX XXXX account with a balance of {$14000.00} on my credit report that does not belong to me and is result of a mixed file. I recently received my most up to credit report which shows that the address ID linked to the XXXX XXXX account is one that is not mine. I have one address on my credit report which is accurate and the address ID associated with this account does not match the address ID associated with the XXXX XXXX account. I have disputed this account before with Experian however they continue to respond stating " We have investigated the account and verified that it belongs to you ''.

Furthermore, I am unable to contact Experian by phone to express my concern regarding the address ID discrepancy because they are currently not allowing me through to their call center to speak to a customer service representative. So far I've called Experian 10 times at ( XXXX ) XXXX, each time when asked to put my social security number, zip code and address in I am redirected to another automated system which states " ..we are unable to process your request over the phone, please mail your request ... '' then the phone disconnects. This in and of itself is a violation of my consumer rights, according to the FCRA it states all consumers should have access to speak to a live person at consumer reporting agencies regarding their report.

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 2019-02-19
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company falsely reported to credit reporting company that account was disputed. Never received communication from this company showing the total debt and a contract signed by myself stating that I owed the debt. Recent harrassing calls from a woman who is very rude and threatening. I have disputed with all credit bureaus and company stated that information was correct but again I was notified in writing about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

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 2018-07-07
Company: ENCORE CAPITAL GROUP 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 information incorrect

Complaint:
To whom it may concern, I have an issue with XXXX XXXX, XXXX, and XXXX. I paid off a collection account in the amount of {$47.00} to XXXX XXXX. I sent a U.S Postal Money Order by USPS certified mail and with tracking. I have the supporting documents that Midland Received the documents ( money order, tracking ) and have even marked it as received on their internal records that I am able to print out. I have a number of complaints. On XXXX XXXX internal records, it shows that I still owe a balance of XXXX but on my XXXX and XXXX   reports, it shows a balance of {$47.00}. I paid of the collection account in full. I have sent letters to XXXX, XXXX, and XXXX XXXX to update the balance to zero. Even though I have sent all my supporting documents to XXXX, XXXX, and Midland, they all refuse to update my account to zero. I would also like the collection account removed from my credit reports based on the updated XXXX XXXX reporting policy which states that all paid accounts will no longer be reported. XXXX   and XXXX refuse to update my balance to zero regardless of the information I have sent them. They always come back with " verified '' with a {$47.00} balance. Please help me resolve this issue. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a Mortgage owned by XXXX XXXX. My Servicer is ShellPoint Mortgage Servicing. My whole family contracted XXXX XXXX. I have been a very regular customer for a decade or more, until XXXX struck terror and tragedy on my family. Unfortunately, my husband died in the Hospital due to XXXX, after suffering for over 10 days. I very narrowly survived after badly suffering for 3 weeks. So also my XXXX and XXXX XXXX, who are lucky to XXXX after weeks of XXXX. I sent them the XXXX XXXX and also explained that I am mentally and physically completely drained out. I have requested the Forbearance upto XX/XX/XXXX, as per XXXX XXXX guidelines. They gave me Forbearance from XX/XX/XXXX and every 2 months, they used to harass me for extensions, instead of giving me for 6 months at a stretch. Now I am receiving harassing letters and calls saying our Forbearance period is ending with this Month and if I do not start repayment my Loan/Property will go into foreclosure. Instead of helping a widow like me, who underwent XXXX of an experience with XXXX XXXXXXXX, they are harassing me and discriminating me, as I am a helpless woman. Are they not supposed to follow the XXXX XXXX guidelines? Is there no one to regulate them and take them to task for violating the Govt. guidelines, with impunity and harassing and discriminating hapless people like me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AmeriHome Mortgage Company, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a financial hardship and reached out to Amerihome for assistance back in XXXX. we wanted to modify our loan. They sent out wrong documents. They just sent us a general loan assistance packet. so I had to call and request modification documents again so we could try to modify the loan. This process took over two months. we had tried making payments online to keep from falling further behind and they would not allow it. at that time we were two payments behind and it was demanding the whole amount. They would not let me make just one payment online. when I would call in to make just one payment the first representative told me I could not. So we fell another month behind and then the next month when I was ready to pay again I finally got a representative who actually let me make just one payment. By the time we finally got the correct modification documents we had already proceeded to file bankruptcy. We filed chapter XXXX bk on XX/XX/XXXX. According to our bankruptcy we needed to pay our XXXX payment. I have been trying to call Amerihome mortgage since XX/XX/XXXX and have been kept on hold for up to an hour and 40 minutes without any response. I have tried every day to pay online and it says unfortunately this option is not available please call customer service yet my monthly statement tells me I can pay online even while we are in bankruptcy. The monthly statement shows we are owing for XX/XX/XXXX post bk and what are pre-petition and a post-petition payments are ... I have tried messaging and asking them if we can just set up one payment and I get a poor response back telling me to call customer service. Yet due to covid-19 can not get ahold of anybody. Today when I tried to call it just says we apologize for the inconvenience but all lines are busy please call back at a later time. All I want to do now is make a payment and there are no options for me unless I talk to a representative. I should be able to pay when and how much I want online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please see previous submission. I have more than 80 % loan to value. When I closed I had a 95 % LTV, but the appraisal came in so high I was instructed to call my lender and request the re-eval due to the appraisal being so much higher than the purchase price. I called Wells Fargo numerous, numerous times, probably XXXXive or six and they stated they were looking into it. Then I received notice that I had to pay for another appraisal, I stated, no, they told me they would be using the original appraisal and basing the new LTV against that as I had immediately followed up when I closed. I finally filed a claim in XX/XX/XXXX, waiting all this time for them to now respond to an issue that is not an issue. The issue is that my LTV is greater than 80 % now and all the way back to the closing ( XX/XX/2017 ). I knew my LTV when I closed, again, being told with the appraisal coming in so high, I would have the mortgage insurance dropped. This is unlawful to charge me for mortgage insurance when my LTV exceeds 80 %. The LTV was to be reviewed since the appraisal came in ( at closing ) and here we are almost a year later with no resolve. Do I hire an attorney or are there legal departments that I can escalate this? 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 2021-06-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore purchased my loan from XXXX XXXX a predatory lending company that was fined millions of dollars for forcing home owners into foreclosure in 2018. XXXX XXXX only had my loan for a few months because they also purchased my loan from XXXX. During the time XXXX had my loan they did not follow the Federal guidelines and denied that XXXX sent imperative documents such as a completed modification and information about my forbearance I had been placed on. I filed complaints against XXXX and XXXX and XXXX responded with all necessary documents to prove that they in fact did transfer the loan with all the documents and like magic they XXXX found it and said they would expedite the info to loss mitigation and that foreclosure proceedings would be placed on hold. with that being said I filed another complaint because I was suppose to be protected by the 60 day transfer, the forbearance and Covid relief, So I began filing complaints with CFPB, FTC, XXXX, Attorney General, I called Governor Bakers office, and found an attorney who was in the process of seeking homeowners to file a class action suit against XXXX and I joined, Between the complaints. class action and XXXX finding out about my sister social media platform which consist over a million followers they sold my loan to Rushmore. I was so relieved until I researched Rushmore and found that they were even worse than XXXX. I called and spoke to a guy in the loss mitigation department and explained that I havens received a welcome packet and he said to wait until after the! XXXX  to give them some time. I was very pleased with the concern and help this gentle men offered and he assured me they would take care of me not to worry, Now it has been over 2 weeks from that date and I haven't received any paperwork, I called with a hud counselor and the rep told me that it was sent 45 days ago, how conflicting to the first person who told me to wait until after the XXXX XXXX the rep then goes on to ask me for a phone number and email and says we need an address for you to because we do not have one,,,, What you just said you sent a welcome packet out 45 days ago you don't even have a listed address. My loan was transferred on the XXXX and its 2 weeks later and I have no information at all. Now she claimed it would be mailed again but a simple email would of been easier. they are already playing games and trying to buy time to foreclose. I will not stand for these scams they play with homeowners in order to foreclose and take peoples property from them. There are guidelines and they need to follow them. This company scares me more than XXXX XXXX. I ; m going to contact the attorney and file complaints until they follow the proper guidelines, I will also seek an attorney, Im not letting theses scam artist steal my property. I want assistance and for my current situation before the transfer be honored like it is suppose to be,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft and after reporting it to capital one, XXXX, and XXXX  XXXX i was told there's no issues found and I'm responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Account was paid and closed. No further credit limit increases and or additional fees were authorized. When reaching out earlier this year to discuss this matter and to explain how Covid-19 is affecting everyone, the lady stated she was sorry and I did not have any options. The balance history and current balance are incorrect. This has done a significant amount of damage to my credit score and ultimately has affected my ability to live comfortably including finding a home for my family and I to live in during these unprecedented times. In addition to the inaccuracy of this debt, my social security number does not match the company records being reported and states there is an error when proceeding with this complaint. I hired services to investigate information located within all three credit bureaus and was notified there is an unknown social security number, misspellings of my full name and addresses that I am not nor have ever been associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I receive paperless statements each month from my student loan servicer, so the servicer has a duty to notify me each month when a new statement is available for me to view. My statements are created on the XXXX of each month and I am usually notified via email by the XXXX that they are ready for me to view. The payments are then due on the XXXX of the following month. In order to avoid accruing additional interest, I typically make payments on the date I am notified that a payment is due, the XXXX. This past month, the servicer failed to provide me with any notice that I had a new statement available to view and that I had an amount due on XX/XX/XXXX ; this is similar to notice mailing a statement to me if I received paper statements and is a violation of Regulation Z. 

I just happened to log into my account this morning because I was wondering if I had an amount due. I was not sure if I had a payment due since I often make more than the minimum payment. However, I logged into my account to clarify this because I had not received any notifications. If I had not happened to log into my account this morning, I would not have made a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Experian Information Solutions Inc.
State: GA
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:
DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE EXPERIAN, XXXX, ANE XXXX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.

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 2020-11-29
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XXXX I have called Pentagon Federal Credit Union and requested closure of my savings account and closure of my credit card account. The savings account at the time had {$5.00} surplus or positive balance and customer service representative has assured me that I will receive check in the mail for {$5.00}. The credit card account had {$0.00} balance at the time and there was no pending transactions, by the way, I have not used the credit card for weeks. Today, on XXXX PenFed has sent me three different emails informing me that in the future I will be charged {$2.00} for paper statement they will send by regular mail for the savings account and {$1.00} for paper statement they will send by regular mail for the credit card account. The third email is about discontinuation of the electronic tax forms. 
PenFed has no rights to charge customers any fees for mailing the very last statements when customers close the accounts in good standing. These three emails may be sent in error by PenFed but I am still taking it seriously by the huge financial institution to my consumer well being.

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 2020-05-20
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld has been leaving voice mails twice a day concerning a debt. I have tried calling phon # back that they specify only to be put on hold forever! This has been happening for several monrhs. I am debt free!! This has to be regarding a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account was paid in full. It was not settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: Experian Information Solutions 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:
I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP 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 2017-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. 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