BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2017 PayPal notified my wife and I via email that there was a {$150.00} payment was in pending for review and should be complete within 72 hours. The payment was sent to our account from a coworker to purchase a retirement gift for another coworker. We have made multiple request to PayPal to complete the review and release the funds by email and by phone. This has been held in pending for nearly two months and no progress or updates. Please help us with this hold up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reaching out to you today because I am having issues with my loan that have gone on for five months. My loan modification was completed and my payments were to resume on XX/XX/XXXX. I made my first payment for XXXX on the XXXX, it was six days late because your online system was down, and my 2nd payment on XX/XX/XXXX. Around mid XXXX I was informed that my loan was 60 days past due. When I called to clear up the issue, it was discovered that my payments had been allocated to XXXX. I was told that this issue would be fixed and my payments would resume. 
As of today, XX/XX/XXXX, this has not been fixed. I have been unable to make payments because my account does not reflect the proper amounts due or dates. I have called Loan Care around 15 times and have received at least 10 calls from loan care. The end result of all calls is that I am instructed to wait until the problem is corrected and then resume the payments, but the problem is never corrected. 
I have requested that the harassment regarding my payments stop, since the only thing preventing me from making payments on time are mistakes on your end. But the opposite has occurred. I have gotten collection calls and notifications by mail that I am delinquent. When I called to express my concerns, I was told, on a recorded line by a Loan Care employee, that these letters and phone calls were intended to be threatening. And as I understand it, this is inappropriate behavior at best. I am currently unable to make my payments because Loan Care has still not resolved issues with my loan, yet they continue to call and harass me for payments as though I am deliquent. They have pressed me to make payments over the phone on several occasions, even though the account does not reflect the proper payments, dates and totals.

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 2018-01-10
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXXI purchased airline tickets to fly on XX/XX/XXXX with XXXX XXXX for {$810.00} using my Chase credit card. On XX/XX/XXXX I went ahead and disputed {$61.00} for a billing error made by the merchant. A few months went by and I called Chase to find out what 's happening with the dispute. I was informed that the merchant had not yet contacted Chase. I was advised by the representative to close down the dispute in order not to risk the tickets being canceled and to reopen post travel. I was assured this wo n't be an issue. On XX/XX/XXXX XXXX XXXX declared bankruptcy and canceled all future flights mine inclusive. On XX/XX/XXXX I contacted Chase to dispute the charge in full and I provided full documentation supporting the claim. My case was closed for no reason and reopened twice with Chase not providing any information for the reasoning of this not being dealt with. The last time the case was reopened was on XX/XX/XXXX. Today XX/XX/XXXX I was informed by Chase that my claim had been closed permanently on XX/XX/XXXX this time explaining that to much time went by since the purchase was made and I will be held accountable for the full amount of {$810.00}. Please can you help me with this as it 's highly unjust for me to have to pay this sum in vain as I never received any services or goods. The dispute case number is : XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
TransUnion and XXXX XXXX XXXX was sent an initial dispute letter in XXXX 2017 of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being delivered certified by mail letters in which XXXX XXXX never responded and TransUnion claimed to do an investigation and stated information was verified and updated. After asking for a reinvestigation from TransUnion and demanding for detailed documentation of an original signed contract and the persons first and last name of whom TransUnion spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps TransUnion took to investigate this collection, in return all I keep getting from TransUnion is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me 3 ) Last Payment Date listed as XXXX/XXXX/2017 is inaccurate and does n't exist. 4 ) Listed as an open account. TransUnion has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.

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 2019-07-29
Company: ReliaMax Holding Company
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Unable to make payments, auto withdrawals stopped but the company continues harassing phone calls several times a day during non-business hours and weekends, and makes numerous calls to place of employment under various untraceable ids.

Company response to consumer: Untimely response
Consumer complaint received 2019-04-18
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:
XX/XX/XXXX I paid my debt {$550.00} for my military star card and the company that had my military star card account XXXX XXXX XXXX XXXX XXXX ( XXXX ) agreed to delete this account from credit report, at the same time the they the IRS withheld money from taxes from tax offset and sent an extra payment to XXXX for {$550.00} on XX/XX/XXXX. they where however able to return the extra money that was sent to them. 
I then Disputed this with Experian because it took them over 30 days to delete this account from credit report in which XXXX agreed to do. the first dispute came back as begin remaining on my credit report on XX/XX/XXXX and I then again disputed this account with Experian which did not provided the correct results and ended up damaging credit even more. XXXX report deleted the collections from XX/XX/XXXX to XX/XX/XXXX however they applied a collections to my account for XX/XX/XXXX which is not true because I have paid statements showing that this account was paid and closed in XX/XX/XXXX in which XXXX has now validated the FCRA laws by reporting incorrect information. I then again open another dispute with Experian and is ongoing however I don not believe the results with provide the appropriate out come due to the previous disputes.

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 2018-01-10
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 sent a notice to Trans Union on XX/XX/XXXX which they received on XX/XX/XXXX ( USPS Tracking # XXXX XXXX XXXX XXXX XXXX ). In the notice I requested that specific info in my file be verified & deleted. I also requested a notice ( according to FCRA 611 6 ( B ) iii that provides me with " A description of the procedure used to determine the accuracy and completeness of the information '' including the business name and address of any furnisher of information contacted in connection with such information. However what I received ( which was dated XX/XX/XXXX but not actually received until XX/XX/XXXX ) was a bunch of papers placed in an envelope numbered but unorganized ( pages out of order ) duplicate copies of letters & memos. It took me 2 days to organize it to the best of my ability. However none of what I requested was amongst all of the pages. It said : " Information Updated '' on 1 account on another it said " disputed information updated and other information updated '' ( however the last 'date ' it was updated according to the report that was thrown in the envelope was 3yrs ago ) also there was a message that said. " verified as accurate and updated ''.

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 2018-01-10
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Re : Card ending in XXXX ( Chase Sapphire Reserve ) - disputing 2 transactions from XXXX. Refunds in the amount of XXXX ( XXXX ) // XXXX ( XXXX ). 

The conversion rate used for returns is unfair, wrong, and predatory. On this date, a purchase would be converted at 1.194 -- - however, a return is receiving a completely different unfair rate of 1.121 ( 6 % worse ). 

Please see to it that I am refunded the appropriate amount with consideration to the rate that is current. The difference owed to me is over {$100.00} Spent 30 minutes on the phone with XXXX ( XXXX XXXX, TX ) - Account Supervisor XXXX/XXXX/XXXX -- -- - service representative was n't able to assist, outside of her area of competence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 offered a modification on my mortgage with XXXX XXXX. I had to make XXXX trial payments as follows : XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00}. 

The modification then detailed that the actual mortgage payments of {$1200.00} would start on XX/XX/XXXX. I have the copy of the modification package. 

Being that this left XXXX without a payment, I decided to make the regular payment of {$1200.00} anyway so that there would be no lapses in payment. 
Check XXXX for {$1200.00} Mailed on XX/XX/XXXX ( I have the XXXX receipt ) Cleared my bank on XX/XX/XXXX ( I have the copy of the cleared check ) I then discovered that XXXX XXXX  reported me to the credit bureaus as being late in XX/XX/XXXX. I called and spoke directly with the account manager and explained this to him. I also submitted my proof of payment, showing the cleared check and the postage receipt. They did not correct the reporting. I called two more times and spoke with other XXXX XXXX personnel, who also stated they considered the payment late. I then filed a direct dispute and provided the cancelled check and the postage receipt showing the payment made and cleared in a timely manner and the credit bureaus also contacted XXXX and after getting their response, left the late reporting on my credit. 

I have been working very hard to repair my credit in order to refinance a very high loan on another property and am unable to do so because my credit score is very directly impacted by this erroneous reporting. I have tried every means to get this corrected and can not get it fixed.

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 2019-04-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have disputed charges that were not mine back in XXXX, chase decided to reverse the charges without telling me before hand on the investigation. I try to speak to them get a status on opening a new claim so I can just close out the account they charge me XXXX $ everyday for over draft fee. When I ask to speak to manager I am being ignored or talked down to

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
Company: ALLY FINANCIAL INC.
State: MO
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:
My wife and I applied for refinancing on our mortgage. We were told that there was an account with Ally Financial that was showing closed in XX/XX/2019 with an outstanding account. We notified Ally but are not satisfied with our inquiry. They have updated the account as of XX/XX/XXXX but we have not been given a reason as to how the mistake was made. We should have been receiving positive points on our credit score for the last 7 months and have not. This needs to be reconciled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Merchants and Professional Bureau, 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: Personal information incorrect

Complaint:
This account does not belong to me and my personal information is incorrect. This is not the correct spelling of my name. Please remove from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: FIRST HERITAGE CREDIT LLC
State: TN
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:
Prior to paying off account XX/XX/2019 the payment history reflected on my credit report showed current and on time for the entire year. 

After paying the account off in XX/XX/2019 through their online portal, the balance owed showed {$0.00} and I know longer had access to the portal. 

XXXX came around and it showed a 30 day late on my credit report for XXXX, but the account had been paid in full prior to XXXX. I contacted the lender and the branch manager assured me the issue would be taken care of, but I would have to wait 30 days until they report to the bureaus again. Throughout this scenario I had made it clear to the lender that I am in the process of refinancing my home and need the corrections to be made ASAP. 

XXXX XXXX the update reported and instead of removing the error First Heritage went back and added 8 late payments to the account. After the dispute with the branch manager I had deemed it as some form of retaliation to affect the refinance of my house. 

I later met with the District Manager at the office and have the entire conversation documented. He stated that the errors are to do with the companys system issues. The first error that caused these chains of events was XXXX cents in interest that they stated they forgave. The manager said that even though the online portal showed the account paid in full I should have known there was a XXXX cent balance even though their system showed otherwise. He stated that he would contact the credit department to remove the late payments, He stated that they would not remove the late payments which is in their own discretion and suggested that he will discuss with the companys attorney to remove the account. He stated that the attorney stated that according to FDIC they could not remove the account from my credit report which I instantly knew that was not true. 

Imagine refinancing your house, your personal dwelling, and in the process of paying accounts off completely to be Debt Free a company feels the need to attempt to strip the entire process away. Imagine the stress that has been experienced through this month not knowing if I will lose my house because paying off a loan has backfired to the extreme due to this companies systematic errors. I have attempted to reach out to this lender but have received nothing but prolonged responses and disrespect. I am hoping to have this issue resolved to avoid reaching out to an attorney for damages. 

First Heritage Credit XXXX XXXX XXXX XXXX, TN XXXX District Manager : XXXX XXXX XXXX XXXX first-heritage.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Never use a Capitalone360 checking or savings account. Now all my money is blocked, in brunch on the phone, a blatant woman explained to me that I have a lot of claims transactions. I was given dispute credit more than I have money in the bank. What? I looked at the statements for the last year. What fake information she gave. I have more than a few thousand more of my money in a savings account. You can close my accounts but give me my money. People without education who really know nothing about banking work there. Very soon I need to contact a lawyer, and try them for the fact that they illegally held my money. They dont care what can be, I dont have money for what to live? What to buy products and pay for a credit card? This is the first time in my life when I had such a story.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Santander Consumer USA has a statement and a collection department that do not agree. They will not send me a statement by mail to reconcile. They have threatened to repossess the car. I may have to file bankruptcy. The won't fox the XXXX XXXX  or repair the recall to make the car run correctly. It is still under warranty XXXX XXXX  XXXX in XXXX, TN sold me this car and it still isn't running right. They make treats and say they will repossess it. Their online computer does not agree with my payment records at all. I have lost jobs and left it in XXXX XXXX dealership for 12 days And it isn't correct yet XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: KEYCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I have opened Key Express Checking account in Key Bank branch ( XXXX XXXX XXXX XXXX, XXXX, ID XXXX ). I never had an account with Key Bank before. This account was opened under the documented, written award agreement, which stated : MAKE A DIRECT DEPOSIT OF AT LEAST {$500.00} AND A COMBINATION OF FIVE DEBIT CARD AND/OR BILL PAYMENTS WITHIN 60 DAYS AFTER ACCOUNT OPENING TO GET {$300.00}. DIRECT DEPOSIT TRANSACTIONS ARE LIMITED TO : PAYROLL, SOCIAL SECURITY, PENSION AND GOVERNMENT BENEFITS. Full offer text is attached. I have made 4 direct deposits of {$250.00} to my account and 5 debit transactions in the period from XX/XX/XXXX until XX/XX/XXXX, so I had to be eligible for the bonus. After getting a bonus I was going to keep my Key checking account to use debit card in XXXX XXXX, where credit card payment is not available. On XX/XX/XXXX XXXX I had made a call to Key Bank service center ( XXXX ) to check if everything fine with sign-up bonus. I was told that I am qualified, both my direct deposits and bank transactions are fine, and I just need to wait 90 days from the date of account opening. To double check and have a record in person, as I always do with banks, I later went to the local branch and asked again to verify my eligibility, and this time I was told that I am not eligible, as direct deposit was made in installments less than {$500.00}. Local branch clerks made appeal to marketing group, but marketing group of Key Bank refused the request to give me the bonus. I made several efforts to convince Key Bank support clerks and managers that it is illegal to give a vague description of the offer, and then interpret it in a free manner to deprive clients of deserved bonus. During account opening, I also did not receive a proper verbal disclosure about the account coupon terms. I made a search across Consumer Financial Protection Bureau data base and easily found a case similar to mine, also with Key bank and the same offer type : XXXX XXXX XXXX ( case # XXXX ). So, bank is obviously playing an unlawful bait and switch game of semantics with it's customers to avoid paying the bonus money. From account agreement they provided ( both written and verbally ), it does not follow that customers should make transfer of {$500.00} in one single deposit. I keep all records for the case to start a legal action in case the bonus will not be funded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation