BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a judgement recorded in  XXXX  County Florida due to a foreclosure on my primary residence in 2009. At that time I was trying to facilitate a short sale of this house and Chase Bank was no help at all with this. As I was submitting offers from buyer they tracked the foreclosure concurrently. They kept rejecting the offers until the foreclosure date came and the property was sold at auction to Chase Bank. The judgement amount is {$220000.00}. After they received the certificate of title the property was sold for {$120000.00} which was less than the short sale offers I submitted.
I would like to have this judgement cleared from the records in  XXXX  County.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions 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:
There are currently numerous inquiries and a public record listed on my credit report that I have no knowledge of. I have no knowledge of ever having a bankruptcy. These inquiries were not authorized or initiated by me and was a result of fraud or malpractice.

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 2019-09-16
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
MACY 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE 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 2020-07-30
Company: Berman & Rabin, P.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX-berman and Rabin Pa. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX XXXX XXXX is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX  XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history. 

Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
About 3 to 4 weeks ago, my two banks accounts with J.P. Morgan Chase Bank were robbed via internet. The case were reported to the Chase Banks personnel. After that, they supposedly open and investigation and blocked both account. Meanwhile my Social Security money and my job weekly pay kept continuing entering the Chase Bank as usual, but for me they were both restricted. After several visit to the branch located in XXXX XXXX XXXX in XXXX XXXX, NY, XXXX it was offered to me the amount of XXXX XXXX.when the whole total overpass the {$4000.00} dollars, which I refused. The person who act as manager of that branch called the department of investigation of the bank, who gave me the impression that did not knew nothing about the case. Came back other time to the bank again and this time was given to me a debit car with the amount of {$550.00} dollars from which could expend probably XXXX dollars, and again the account were closed and can't not use now, because is like a kind of game, yoke or something similar. I did not know that JP.MORGAN CHASE has people so irresponsible in their staff. I haven paid my rent, no money to buy food, no car insurance, and the rest is problem over problems. I am a XXXX XXXX XXXX person, XXXX, XXXX with XXXX XXXX XXXX and some school too, XXXX who have to work with those medical conditions to survive. Don't want to keep talking, but a little scandal, scandal that you provoke will teach someone some decency and respect and help them get my money soon or I will not finish writing to everybody till I get the solution to this my problem ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed. ( XXXX XXXX XXXX ) for the dates XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: ZIONS BANCORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
The company is XXXX XXXX XXXX  or by names of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. On XXXX  there was an advertisement for an ad on your car and for this I was going to be compensated. The advertisement on my car was going to be for XXXX XXXX supposedley. The company sent me a check in the amount of {$2700.00}. In the letter it said I was going to get paid {$600.00} for the ad on my car. I was speaking through text to XXXX XXXX who said I would have to send {$2000.00} to the installer of the Ad through XXXX. My XXXX app was not working. XXXX said in order to expedite the installer 's service I could get 4 {$500.00} visas to pay the installer. Mind you at this point the check was processed by XXXX XXXX. It was starting to sound sketchy because then XXXX XXXX said I have to send {$500.00} to remove the ad for the car. I argued with him for a while through text but he said another check would be sent. He told me the check did go through. I naively fell for this and sent {$500.00} through XXXX to a XXXX XXXX $ XXXX. After I did this the bank returned the check. I tried to contact XXXX XXXX at phone number XXXX and the email XXXX. The phone number was disconnected and tried to call the company XXXX XXXX XXXX at XXXX and the line was also disconnected. I have been scammed in the amount of {$2700.00}. I have contacted XXXX and supplied all the letters, copy of the check and they said there was nothing they could do.

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 2020-03-29
Company: DISCOVER BANK
State: PA
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 opened A discover Card XX/XX/XXXX and I got a random Email reporting from XXXX on XX/XX/XXXX that Discover recently closed my account out of no where. I called them multiple times asking why they closed my account and they said it was due to inactivity. I told them I wasn't able to use my card because of recent health issues. They never sent me any letters or emails or messages inside of my account that they were going to close my account. It is ruining my credit history now due to that being my longest account open.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TD BANK US HOLDING COMPANY
State: TX
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 asked the dealerships not to run my credit multiple times. I have no knowledge of this company. I have tried to resolve the issue with the company but was unsuccessful. The dates reflecting on my credit report is XX/XX/2019 and XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I recently attempted to make a payment via the Venmo ( www.venmo.com ) iPhone application. The transaction was repeatedly denied. When I contacted Venmo support to ask about the reason for the denial, I receive -in part - the following reply ( I do have the full chat transcripts and email exchanges ) : Our automated systems are created and administered by our security, risk, engineering and legal teams. The systems they have set up are working as intended and they will not review individual declines. 

This is concerning to me. While I have no doubt that great care has been taken in developing Venmo 's security algorithms, with no transparency into why certain transactions are being declined, it is impossible to determine if there are any flaws in the algorithm, if bias has been inadvertently introduced, or if something else is at play. 

I have other options to make my online payments, but from a data and business ethics perspective, and a general principle this is concerning. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. 
they are in fact not wanting to settle and then start repeating, offensively there demands. 
they are not open to any discussion but their stipulated terms.

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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 was recently attempting to refinance my home and when my credit report was pulled, I had a late payment in XX/XX/2019 from a store charge card, XXXX XXXX ( XXXX ) XXXX  through XXXX  XXXX, severely impacting my score. I am currently 2 points away from the required score to refinance and was told to contact XXXX XXXX XXXX  to see about removing this blemish from my credit report. I was told to write a letter to XXXX  and they would respond within 2-3 wks. The letter included information such as the month of the late payment, XXXX and the situation at hand. My normal monthly is {$40.00} and an archived electronic statement dated XX/XX/2019 shows a past due amount due of {$100.00}, with a total amount due of {$150.00} on XX/XX/2019. I immediately noticed the discrepancy and paid the full amount ( {$150.00} ) on XX/XX/2019 which included the past due amount and charges through XX/XX/2019. This was a simple oversight, on that could have been avoided with a simple correspondence from XXXX XXXX XXXX. I accepted the late fees as I understand that the payment was in fact 2 days late. However, I have NEVER had a late payment on any of my credit cards, never mind reported on my credit report and have always paid over the minimum amount due. I did not receive any notification and was completely unaware of the blemish they placed on my credit report until I tried to refinance. Therefore, I wrote a letter to attempt to have this removed from my credit report. 
After not receiving a response, I contacted them yet again. I was then told to what a few more days. Again, I did not receive a response and called again. This time I was told that it was up to XXXX XXXX to respond and take necessary action so I was transferred. XXXX XXXXXXXX pretty much told me too bad and wait for them to respond. They have 2 days left and it will be 30 days to which they did not respond to my dispute and therefore, I am requesting that the information be removed from my credit report. This was a simple " 2 DAY '' oversight that will end up costing me thousands upon thousands of dollars and XXXX XXXX is unable to work with a long-term, good standing customer that has continuously paid on and above minimum balances and remained current on their account during the whole worldwide pandemic. They are being completely unreasonable.

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 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize this inquiry on my credit 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 2021-06-02
Company: EQUIFAX, INC.
State: GA
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'm very upset! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Regularly by law, you should react inside 30 days. During these troublesome occasions, all of you have been given an augmentation which I comprehend. In any case, it has been above and beyond the expansion time frame given. I have exhorted you on in excess of 3 distinct events. I'm beginning to accept this is a slow down strategy on you all 's end. I request your organization eliminate this mistake from my credit report or face suit. In the event that you don't eliminate this mistaken data quickly I will document a formal complete with the Government Exchange COMMISSION! I'm staying aware of the entirety of my reports and types of correspondence with you on this matter simply in the event of recording an objection with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Association Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome financial period. On the off chance that your next reaction to me is anything but a unique application with my mark on it or a letter expressing that the deceptive data that is disregarding the Reasonable Credit Detailing Act isn't erased I will proceed with my FTC objection. As shown by the Reasonable Credit Revealing Demonstration, Area 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the primary stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your specifying organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a novel buyer contract with my imprint on it XXXX that you have on the archive for the record recorded underneath. 

Your powerlessness to firmly check these records has hurt my ability to procure credit. Under the FCRA, wrong and mysterious data should be erased from a buyer 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXXXXXX XXXX XXXX my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX  about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

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 2021-06-02
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: Their investigation did not fix an error on your report

Complaint:
I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXX XXXX XXXX, my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. 

On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

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