BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-05
Company: snapfi, inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir, I was trying to refinance my existing mortgage in the first week of XXXX, and the lender ( snapfi.com ) gave me a quote ( 2.62 %, covering all my loan costs ) which attracted me to give them my documents and sign for the refinance. 

They confirmed that they have locked the rate and took three months to complete the necessary process. Now, in XXXX, after they finalized all the process, they confirm that the loan was approved, but the rate lock is gone and trying to cheat me with the higher rates. ( higher rates not disclosed to me yet ). 

I have given them all the documents within their proposed timeline and i am frustrated after waiting for 3 months of time and the loan is not going anywhere. 
They spoiled my credit history and asked me to pay for appraisal and couple of statements from my existing lender. 

They are not doing a fair business and i request you to help me by taking suitable action against them. 

https : //www.snapfi.com/ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX  Branch ID XXXX Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-11-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: JPMORGAN CHASE & CO.
State: WI
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 lost my credit card ( a Chase Sapphire Reserve ) between the late night of XX/XX/2020 to the early morning of XX/XX/2020. I made one purchase during that time at XXXX XXXX XXXX with the amount of {$19.00}. I called Chase as soon as I found out my card was lost, which is on XX/XX/2020, and also realized that a fraud charge of {$43.00} at XXXX XXXX XXXX XXXX was posted to my account on XX/XX/2020. So, I informed Chase that it was unauthorized and they helped me to take that off my statement. 
However, I received a letter in early XXXX that I am responsible for the transaction. According to the single sheet letter that Chase sent me, " I received benefit from this transaction ''. There are no proofs that I was using the card for that transaction and they do not even bother to ask the store for a signed copy of the receipt or things like security surveillance that can prove who was using the card. I have disputed other transactions before, but other agents took it seriously and sent me stuffs like signed receipts to back up the claim. 
I called Chase again on XX/XX/2020, a nice lady picked up the phone and said will pass my concern to the fraud department and let them re-investigate. However, two weeks passed and no responses were heard. 
I am so disappointed how Chase is treating one of their loyal customers and taking money from the good guys instead of the frauds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09
Company: Carvana Group, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I XXXX XXXX a consumer entered into a consumer credit transaction with Carvana on XX/XX/2022. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. My property was supposed to be delivered to me on XX/XX/2022 but later found out that Carvana refuse to release my property because I didn't verify my income for a down payment. Pursuant to 15 usc1662 I know that I'm the Original creditor and just extended my credit to Carvana so they should not have been asking or promoting that a specified down payment is required in connection with any extension of consumer credit unless I asked for it. I was so upset I've been having headaches and I will not stop sweating. Upon speaking to a live representative on XX/XX/2022 named XXXX from the Arizona location she too continued to tell me I had to make a down payment to receive my property. I proceeded to her I couldn't and that would be Illegal, and I would not make the payment. XXXX told me contact their office to fix my problem. Later on, the same day I called Carvana and was connected with XXXX in the department of verification at the Arizona location he was rude, and I told him that this was a consumer credit transaction and that I had purchased the car and put security interest in my property with my credit card pursuant to 15 usc 1602 with my open-ended credit plan, so it was no need for down payment because that would be Illegal. he told me I didn't pay for it with my credit card and that federal law meant nothing. I told him the contract was under federal law he did not care. At this point I had to take a break and hang up because I felt a XXXX XXXX coming on. I decided to call one more time later on the same day and was connected to a supervisor who yelled at me and basically and told me I had to make a down payment, or I wouldn't get my car. I told her that was illegal, and I asked for the audit trail of the alleged loan since she said I got a loan from Carvana, and she refused. She then referred me to XXXX XXXX from the Department of verification which I once again told her this was a consumer credit transaction, and that the car is paid for with my credit card and she told me I had to make the down payment as well or would not receive the car. I asked her for the audit trail to the alleged loan and she refused and pursuant to 15usc 1691 I have the right not to be discriminated against and a free copy of any appraisals and valuations developed in connection with the applicant 's application for a loan that is secured. I can't believe that Carvana is really furnishing certain deceptive forms pursuant to 15 usc 1692j and also not giving me the right to recission pursuant to 15 usc 1635. Carvana also committed identity theft pursuant to 15 usc 1602 ( p ) because they ran my credit card, and I received no benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX JP MORGAN CHASE XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hi, I'm writing to complain that Citibank didn't give me XXXX bonus intro points ( = {$800.00} ) even though I had spent over {$4000.00} after opening this credit card within the first 3 months. I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve. 

On XX/XX/XXXX at XXXX EST, I had a call with a Citibank rep inquiring about this credit card bonus offer and received the confirmation that I will get the XXXX bonus intro points after I convert my old inactive Citibank credit card over to this new Citi XXXXremier Credit card. With that confirmation, I decided to open the credit card and received the confirmation email on XX/XX/XXXX to activate my new card. 

Since then, I had used the Citi Premier Credit card to pay for various expenses to hit the threshold of $ XXXX in order to be qualified for the bonus. 

Today on XX/XX/XXXX at XXXX EST, I called Citibank Thankyou points phone line to inquire why I still haven't receive the bonus point. I was connected to their rep named XXXX ( agent number # : XXXX XXXXXXXX ) who, after listening to the previous recording on XX/XX/XXXX, told me that the previous rep whom I talked to on XX/XX/XXXX had made a mistake, they apologized for the mistake, BUT they're NOT going to honor the full bonus offer. She said the guy resigned shortly afterwards and it was a miscommunication on their end but they're not willing to fulfill the promise of XXXX points now. She said they can only offer XXXX points which is unacceptable to me because I wouldn't have chosen to open and spend that much money on Citi Premier Credit card when there are so many other credit cards out there. 

Their rep XXXX was rude to me and my husband when I was the phone complaining about being misled by their previous rep. She cut me off many times in the conversation and said " it's up to you if you want to accept the XXXX points but that's the maximum we can give ''. She even said " everybody makes mistakes '' which she clearly knows that the mistake was on their end. And she even tried to manipulate the wording but saying that I asked the previous rep about the " bonus '', but the " bonus '' can mean many different things like reward points, which are clearly not the same as bonus. 

I've attached copies of the statement, recording of part of my conversation with the rep named XXXX on XX/XX/XXXX, and email confirmations on opening the account. 

Again, I want Citibank to fulfill their promise to consumers as advertised by giving me the XXXX bonus intro points or {$800.00} cash equivalent I deserve AND apologize for their mistake.

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 2020-04-27
Company: EQUIFAX, INC.
State: MN
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:
This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX I'm currently in the hospital and my wife is having trouble with my account she opened on my behalf. Recently she submitted from my account our Mortgage payment in which the mortgage company received and now it's been taken back but the amount that was taken back shows up on my account as a debit for more than my wife orginally sent. Instead of XXXX its XXXX being debited. They refused my wife access to see what's happening. I need some assistance

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 2020-11-09
Company: Experian Information Solutions 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 bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. 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 2020-11-09
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 bills and accounts are NOT mine. I am not a credit repair company, nor am I a mortgage company. Please remove this data from my reports. 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 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This consumer complaint against Navient actually involves two issues where they have failed to ethically and professionally conduct business. First, in XXXX, when my ex-wife and I divorced, we requested that I be released from a student loan that I was co-signed on with her. It was not that large of a loan ( {$5400.00} ) and she wouldve qualified as she makes a good income as a nurse ( I co-signed on the loan to help with her XXXX school ). However, they would not release me from the loan. Navient has two pending lawsuits against them for this very issue and I may pursue legal action given what happened next. Fast forward to XXXX and my ex did a debt settlement on all her debt with a debt a relief company. The loan I was co-signed on was part of this. Co-signors have rights, however, I was never contacted about this nor did I agree to anything. I did learn about it after the fact and after doing some research felt my credit could absorp the ding from a settlement. The debt was settled and paid in full as of XXXX, XXXX. Nothing negative showed up on my XXXX except that it was closed, in fact, I got a bump from it. Recently, I went to re-finance my home and my FICO scores were much lower than I thought, only to discover that Navient has incorrectly reported that loan as a Charge Off against my credit ( and my ex ). It should be reported as settled, which is less of a credit hit. When I contacted Navient about this, they sent me to collections and tired to collect from me! Again, another violation of the law as you can not collect on a paid debt. No record of the settlement, according to them, although I have a letter from the debt settlement company showing otherwise. I further requested to dispute the credit reporting and apparently now I have to write them at a specific PO Box and prove to them that the debt was settled?! So I have to do all the work for their error? They are in violation of the Fair Credit Reporting Act. As such, because of their inaccurate reporting against my credit, I only qualify for a higher refinance rate, which over the term of the loan will cost me XXXX. I plan to take legal action as their reporting is harming me financially. Trying to get a response from their idiotic bureaucracy is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Innovis
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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mines : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX Opened XX/XX/2007 Charged Off/Closed The account is 8 years + old.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Data Search NY, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX turn a defaulted debt owed by me to XXXX XXXX  Acct : XXXX to Track America , INC . This resulted in legal action taken by XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. ( XXXX ) on XX/XX/2018 to fill a lawsuit against me for {$2300.00}. When I stopped paying I only owed {$780.00}. I initially offered a settlement XX/XX/2018 for {$500.00}. They made a counter offer of {$1800.00}. I asked XXXX XXXX to provide paperwork as to how my bill went from {$780.00} to {$2300.00}. I asked if they have and documentation from XXXX XXXX about my final bill and they said that what they filled and sent me is all they have from XXXX XXXX. I called them today ( XX/XX/2018 at XXXX XXXX  ) and offered {$1000.00} to settle and they said no. The offer is {$1800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Dovenmuehle Mortgage, Inc.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a delinquent letter from my County about my 2020 property taxes in XXXX, which was strange because when you review my online account with Dovenmuehle they show 2 payments. I investigated with the County and they have no record. I called Dovenmuehle 4x and they never offered to help or open a Support Case, finally I called my originating local bank and they opened a Support case on my behlaf and the only response was " it will be 5-10 business days to investigate '' ... .a month went by and nobody ever did anything. Now my local bank got involved and they can't get an answer. Nobody at Dovenmuehle will respond to call or emails. I've asked Dovenmuehle for specif dates and amounts and " cleared payments '' they will not provide. The only response I've gotten from Dovenmuehle is when I gave them a bad phone survey, they tried calling me 3x to talk about the survey, but not actually solve my problem. When I spoke to the Surveyor, he said " oh I can only help with the survey ''

Company response to consumer: Closed with explanation