BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was affected by hurricane XXXX and the bank AmeriHome Mortgage Company , LLC said it could take 3 months without making payments and they would not charge a later fee. 

I did have been trying to pay them but their online system says I am not eligible to make a payment and it will not allow me to pay. It 's been like this for 3 months now. 

I have to call them on the phone now and make they payment, the charge me XXXX dollars each time. 

They charged me XXXX dollar for my last payment but they never took the money out of my account, I called them last week to ask about why they have not taken the money from my account, and they said on their system it shows that I 've paid. 

Now, I just got a foreclosure letter in the mail. 

I't seem they are purposely trying to foreclose by purposely not accepting my payment and making supper difficult to make payments. 

I even mailed them a check that they deposited then send me a check from them back and says I still owe money I already send them and charged me late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 noticed these fraudulent inquiries on my Transunion and XXXX credit reports and I've disputed them several times with the companies and Transunion and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-29
Company: JPMORGAN CHASE & CO.
State: CA
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:
I pre-ordered an item on XX/XX/XXXX and paid {$350.00} with a Chase credit card. The merchant, XXXX XXXX, gave an estimated product shipment date of " XX/XX/XXXX. '' After waiting for this item for a significant amount of time, I decided to cancel the order as it did not appear that the item would ever be completed and shipped. On XX/XX/XXXX, I requested a refund from the merchant, XXXX XXXX On XX/XX/XXXX, the merchant stated that my order was cancelled, and the refund would return to the original method of payment in five business days. The original method of payment was a Chase credit card that I had since closed. On XX/XX/XXXX, I sent a secure message to Chase requesting that the refund be transferred to one of my open Chase cards. I also followed up with a phone call that same week, and the representative I spoke to informed me that funds that are sent to closed accounts would be sent via check through the mail and could not be transferred to any existing accounts. On XX/XX/XXXX, I received a letter from Chase indicating that my " disputed charge '' would remain on my account and " the merchant is not willing to credit your account. '' I followed up with a phone call to Chase describing that this was a refund, not a dispute. The representative informed me that they did not have access to closed accounts. I explained my previous attempts via phone and message to locate these funds. They informed me to try to send a secure message again this time emphasizing that the refund I am looking for is on a closed account and that the previous representative may have looked for the refund on a different account. On XX/XX/XXXX, I sent another secure message with this information as well as the emails I received from the merchant about the refund ( see Attachment ).  On XX/XX/XXXX, I received a letter from Chase with similar language about " the merchant is not willing to credit your account '' and " we consider the charge valid based on the results of our research '' ( see Attachment ). On XX/XX/XXXX, I followed up with the merchant, XXXX XXXX, requesting an alternate way to receive this refund given that my credit card company apparently can not locate the funds. On XX/XX/XXXX, the merchant provided a screenshot with their records that the funds had been refunded ( see Attachment ). This was my last exchange trying to resolve this between the credit card or the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Porsche Financial Services, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bentley is reporting me as 30 days late on XX/XX/2019 and XX/XX/2019. There is no way that is true. This has to be a bank error and the late payments need to be removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. of 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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 there were 14 unauthorized Chase XXXX transactions, equaling out to the amount of {$1900.00}. {$2000.00} was transferred from my savings account to my checking account and then the XXXX transactions were sent without my knowledge. The devices that accessed my accounts on XX/XX/XXXX were devices that I have never accessed with my accounts. The two devices that accessed my account were XXXX XXXX XXXX and XXXX XXXX XXXX and device history shows that these two devices only accessed my accounts on the day my accounts were compromised. I received a text alert to my cell phone at the time these transactions occurred and called Chase at approximately XXXX PST to help me handle this situation. I then spoke with a claims representative who told me that the phone numbers used in the XXXX   XXXX transactions did not match any previous phone numbers that I have ever sent funds through quick pay with. At the end of my call with Chase they stated that I had to close my accounts and open up new ones due to my accounts being compromised, which I did. Additionally I changed my username and password for mobile banking and changed passwords to my email and mobile devices. On XX/XX/2019 I called Chase as I hadnt received any updates on my claim and the money had not been put back into my accounts. The claims rep told me my claim was invalid and gave me a vague explanation as to why. They stated that they had seen no unusual activity or password changes to my mobile banking account. I asked what the next steps would be, and they said that I had to fax proof that it was not me who made the transactions and that I had to contact XXXX themselves in order receive documents of proof. I tried contacting XXXX, the company that handles Chase XXXX  XXXX and they specifically state that they do not handle any discrepancies that have transpired through personal bank accounts. At that point I was very lost and felt that Chase was giving me different excuses in order not to take on the situation and unwilling to help get my hard earned money back!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-29
Company: AA Recovery Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/19 this company called me, my sister, and my work. This company claims I owe a debt but have yet to send anything to my address. They told me I could settle the debt for {$1100.00} and sent me a letter via email. He claimed if I asked for a debt verification letter then I wouldnt be able to settle The debt and I would have to pay it in full. Once I received the letter I started to try and get background on this company because the guy acted funny. I could not find any information and wasnt about to pay a company money. I requested in an email certain information to verify their identity. They responded with a very short email not answering my questions but sending me to another number of a company that never answers and the message does not state the companies name. They will not provide proof of the debt either. Today XX/XX/19 they called me again harassing me stating I could not email them at all. Now mind you I have only sent one email. An hour later the business called from a blocked number again with a courier who was coming to my house to serve me papers between XXXX today. This was a misrepresentation and is illegal. The message stated I needed to call them to stop the courier from coming. This company is harassing me and I have asked for certain information and they are sending me to people and companies that dont exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Express Aviation
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was a student at XXXX XXXX XXXX and enrolled in their XXXX program. XXXX convinced me to take out a personal loan in order to pay for the remaining balance of my tuition. Due to the fact that XXXX closed their business down in was unable to finish my program and obtain my education and certification which makes them in breach of contract to me. I do not owe money because at no fault of my own, I did not receive the education I was paying for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-01
Company: Total Card, Inc.
State: OH
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:
TOTAL VISA IS REPORTING AN ACCOUNT ON MY TRADELINES THAT I AM DUSPUTING. I SPOKE WITH A CUSTOMER SERVICE REPRESENTATIVE NAMED XXXX ON XXXX WHO STATED THAT THIS COMPANY DOES NOT HAVE THE ACCOUNT. IF THEY DON'T HAVE THE ACCOUNT HOW ARE THEY REPORTING LEGALLY?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: INVESTORS BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the checking account on XX/XX/XXXX with the bonus offer : " XXXX, XXXX} per month for 10 months. Reward payments will cease at the earlier of reaching XXXX total or XXXX consecutive cycles from the date you opened your account. To be eligible to receive monthly bonus you must satisfy the following transaction activity requirements : have an ACH deposit to your account of {XXXX} or more during your statement cycle ; OR, complete 10 Point-of-Sale ( POS ) transactions during your statement cycle, using your XXXX XXXX XXXX XXXX linked to your account. " Until XX/XX/XXXX, the XXXX consecutive cycle ended, I had 10 cycles with equal or more than XXXX POS transactions in each cycle. So on XX/XX/XXXX 's statement, the 10th XXXX bonus should be posted. However, it was not. I online chatted and the agent confirmed that {XXXX} should be posted on the statement of XX/XX/XXXX. She said I need to contact the branch to let them manually correct the error and give me the bonus. I called XXXX and the agent confirmed again that the bonus should be posted. He submitted a case for me and promised I will get a response by Monday XX/XX/XXXX. But until today, I did not receive any response and no bonus posted in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the later part of XX/XX/XXXX I received a call from a collection agency that my American Express account had been sent to them for non payment. On XX/XX/XXXX my city was struck by the XXXX storm my home and possessions were flooded. I was left destitute. My family had to walk thru waist deep water to get to high ground to be rescued. From the time I opened the Amex account until XXXX XXXX 2017 I  have paid my bill on time, even my XX/XX/XXXX bill was paid on time. My last payment was on or before the XX/XX/XXXX. However XX/XX/XXXX brought about a hardship. I called Amex and explained the situation as was told that I would be excused from paying the XX/XX/XXXX and XX/XX/XXXX bills. In fact I called all my debt account and explained my situation and was told the same. I have a great payment record with them and wish to keep it that way. I made a second call a few weeks later to confirm my being excused from paying XX/XX/XXXX bill just to be on the safe side and was again told that yes, due to the situation Id be excused. However, later that month I was called by a collection agency and told that my Amex account had been turned over to them for non payment. The lady stated that this might be a mistake because she sees that it is less than 60 days behind. I have been contacted by more than one collection agency regarding the Amex account. I find this more than upsetting ; I was a good paying client, I lost my house, my car, all my possessions because of something that I had no control in. I presented this information to Amex and was told that I could miss the XX/XX/XXXX payment without penalty. Yet they submit me to collections ; my credit score has been affected. Collection agencies are harassing me about the Amex account. 
Ive had issue with Amex in the past charging interest on purchases when I did not make purchases but this is too far. I am in a position where I need to rely on credit to rebuild life for my family and am being denied because of this stunt from Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-17
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Hunter Warfield the beginning of XXXX  for utilities that I didnt owe. I sent a certified letter to Hunter to verify that debt as being mine in XX/XX/XXXXXXXX  and they have yet to respond with proof regarding this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
my thought process at the time was that the bill would go to collections and I would have time to take care of the bill when I can actually afford it ). the bill was sent to collections ( XX/XX/15 ) I was called multiple times but since I could not afford it I never answered. I was called a year later ( don't know the specific date ) from a debt collector asking to receive payment ( at that time I had a part-time job and was willing to work with them on a payment plan to pay the bill ). I asked for proof of the bill since it was the first of me hearing that I had a bill under that company. I wanted to be sure that the bill wasn't sold off to another company ( since they didn't contact me for about a year ) so that I could avoid paying two separate bills from two different collection agencies. The caller then proceeded to forcefully ask me to pay for the bill without providing me proof that the bill came from the company handling my doctor 's bill. He then hung up and never received any other notice from that collector 's agency to this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Because of non-cooperation from XXXX XXXX senior claims representative and it forced me to call your headquarters office and spoke to XXXX XXXX and XXXX XXXX both were under the impression that I had an open claim with XXXX XXXX. 

What is the status of newly discovered Claim no. XXXX? 

What is the status of Claim XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
It has come to my attention that Capital One Bank, has reported some incorrect payment information on my credit. Upon receipt and review of my credit report, I found late payment on the following date : Capital One Bank Account # XXXX has one 30 days past due as of XX/XX/2016 The issues with this alleged late payment is that the payment was never late please see attached payment history and on time payment in the months in question. I have disputed this with the credit bureau and Capital One keep on verifying the information as accurate instead of following the Fair Credit Reporting Act and doing a complete validation of this inaccurate reporting by auditing their records and documentation.

Capital One The 30 day late reporting made by Capital One Bank is incorrect and constitute very serious violation of the Fair Credit Reporting Act and my rights. It has damaged my credit and is preventing me from getting a home loan and obtaining credit. Capital One Bank has received payment in the month it reported me late.

What the attached proof of payment shows is that Capital One Bank account was always paid on time and was never late. I have tried multiple times to have this incorrect reporting corrected by contacting Capital One Bank directly but Capital One keep violation the Fair Credit Reporting Act and my right by maintain inaccurate information on my credit file The credit bureaus need to follow the investigative process described in the Fair Credit Reporting Act and do their job properly and require the creditors to provide actual proof of late pays. I am holding XXXX and XXXX responsible for not following the FCRA. In the absence of real proofs, the credit bureaus MUST delete this erroneous reporting. The credit bureaus have failed me in this respect, breaking the law, damaging my credit by maintaining inaccurate and unverified information on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX/XXXX  XXXX {$280.00}

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 2019-05-09
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
As the records show within each government agency where I filed each of my complaints about the violations and/or crimes subjected against me by Wells Fargo Bank N.A and after I made all those Reports Wells Fargo Bank N.A again retaliated against me by direct threat and/or intimidation in retaliation for complaining to the CFPB and other government agencies. I believe Wells Fargo Bank N.A continuous retaliation against me is in violation of the CFPA and other applicable laws. I would like full investigation of my case which is also a human rights case against a consumer and a constituent. Wells Fargo Bank N.A fraud, corruption, threats and other adverse actions will not silence me and if anything to happen to my freedom, safety and life Wells Fargo Bank and its involved agents, executive and/or employees must be prosecuted and held fully legally and criminally responsible. All stated herein is to my current states knowledge, belief and understanding and it is subject to anything or any correction by me or my legal representative at anytime without prior notice and without waiving my rights.

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