BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: Prosper Marketplace, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have a personal loan with Prosper. They recently sent me a marketing mailing on a glossy card with no envelope. The card, readable to anyone, contained my name, address, the fact that I currently have a loan with them, and the payment history of the loan. I did not consent to them publicizing the fact that I have a loan or the status of my loan.

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 2019-12-02
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with NewRez LLC c/o SHELLPOINT MORTGAGE SERVICING I refinanced my mortgage with another company. The date of the payoff was XX/XX/XXXX, on this date I had an escrow balance of {$700.00} I recieved an escrow refund check dated XX/XX/XXXX for {$480.00} with no explanation of where the missing {$220.00} is I have called multiple times and and spent about 3-4 hours on the phone talking to representatives from new rez and not one of them are giving me any numbers that add up. One representative ( XXXX ) was trying to say that my escrow account was negative for a short time and new rez put out money on my behalf and is now collecting it from my escrow account upon closing. When I called again after speaking with my loan officer who said I should call again and ask to speak with a manager. I called again and talked with XXXX XXXX who told me a completely different story that didnt add up either.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: MIDFIRST BANK
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
You closed my case XXXX and this issue is not resolved. We received a letter from the mortgage company, but they still have our account as if we are three months behind, we have missed no payments. We still can't get a clean Payoff of our mortgage to refinance or sell. this company seems really confused and has cost us a good interest rate and the home market is falling and we have loss equity in our home if we chose to sell when we originally started this process back in XXXX and it is now XXXX. Please HELP us they still have our account wrong due to us using the CARES ACT. Please see attached letter stating we still 3 months behind. We have not missed one payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: AZ
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:
EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Experian Information Solutions Inc.
State: CA
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:
My issues are complex and unique in nature and i havent been able to resolve any of the issues that have been in existance since discovering them in XXXX. I know for certain that i am a victim of synthetic identity theft and fraud. I am unable to view any of my credit accounts because passwords and user name and id 's have been changed, so i dont know what was used, expecially my XXXX account! How am i supposed to figure out what my credit scores are if i am unable to view them because i can not get into them! I need help with these issues because i am trying to fight fraudulent attacks that use mine and my childrens personal data!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. "  XXXX  '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by   XXXX   XXXX   for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was getting my unemployment and my stimulus checks I was putting them in my chime account I thought everything was fine nothing changes every week I was filing exact same thing and then one week they just decided to close it and ever since then I didnt know there was anything I could do about it I just read an article that told me to write you guys and Id like to get my money back I dont know how much is in there probably about {$5000.00} Ive been complaining to everybody That will listen but nothing so far hopefully you guys can help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
They offered me a {$3000.00} limit to spend to get {$150.00} back, and they promised the first year free, they kept pressuring me into this for two or three times, I felt like the wind was knocked out of me ( Offerred to everybody online as well. I got the same promotion except to spend {$500.00} or more in my e-mail and get the same {$150.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX Chase credit card. I paid off my balance last month. I locked my card. I incurred a charge for a yearly subscription of a magazine. I went ahead and paid the balance of the card again. I contacted the Chase and explain to them that I do not want any additional transactions to occur on this account. They informed me that as long as the account was open and any fees or subscriptions would still be processed. So then I had them transfer me to the department to close the account. After they closed the account, they then told me that any fees of subscriptions would still be processed. 

I informed them with me closing this account I am no longer authorizing them to pay or provide credit for anything in my behalf. I expect those transactions to be declined and treated no differently than if I didn't have the available credit balance on hand for them to be processed. They told me that it doesn't matter and that if something comes through they will still process it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: MD
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 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan is separated into different accounts from there into separate disbursements that have separate rules for interest rate reduction and subsidized/unsubsidized status. For more than one whole year, I have put {$400.00} extra into my payments to ACS for my XXXX student loan. I have explicitly requested ( sometimes on a monthly basis ) that all additional payments be allocated to specific accounts. At first, I requested to allocate them to the loans that did n't qualify for interest rate deduction for auto pay. After discovering the ability to see the different loans on my account ( by accident, as it is not explicitly explained on the website ) I started requesting the amounts over my minimum payment be allocated to loan # 6 because that loan is unsubsidized and has the highest interest rate. I tracked my account balances in a separate XXXX spreadsheet ( attached ) because I have no trust in my loan servicer to follow my instructions. The account balances decreased, not at the rate I thought they should have, but that is not the primary issue here though. Between XXXX XXXX and XXXX XXXX, a time period that included a regular monthly payment, my account balances for my highest interest rate loans, # 5 and # 6 both increased. Loan # 5 increased from {$3500.00} to XXXX. Loan # 6 increased from {$3400.00} to XXXX As I understand it, this occurred during the time that XXXX was selling it 's student loans to XXXX, which makes this an even bigger potential issue than my account alone. I submitted a complaint quickly on XXXX XXXX. I received confirmation of receipt and that I would receive response within a week. As of today, XXXX XXXX I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 mailed a letter to  XXXX  on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my TransUnion credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for a student loan. They sent a letter back dated  XXXX   XXXX ,  2017 , saying I submitted the loan application, but the failed to send me any documents that I did.

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 2020-08-19
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld Systems Inc : Your letter states it is your intention to work with me to resolve the collection. The letter also states due to unforeseen circumstances I may not be able to pay in full and could offer payment options. I spoke with one of your trained representatives whose name and number is written on the letter with 3 payments listed for {$280.00} with a confirmation number. I was told by making the payments it would not be reported on my credit. 
Secondly, I made the 3 payments of {$280.00} on XX/XX/15, XX/XX/15 and XX/XX/15. This is not how it is reflected on my credit. I have 4 adverse accounts listed from this one collection. Despite paying as promised and you reporting despite promising you wouldnt my credit lists derogatory public record or collection filed. 
Lastly, you told me to have no further communication with you and to contact XXXX. You sent the letter to me, arranged for my payments and then you reported me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account setup with a company called activehours who provides cash advances. I successfully registered in  XXXX  and have received funds weekly in which they automatically debit acct on paydays. In order for this to work my bank must report my work deposits to the company. Since  XXXX   XXXX  they have not done so, but this process was successful up until now. I have called first midwest bank over and over and no one has helped.

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 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions

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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm a consumer in fact as defined under 12 CFR 1006.2 ( e ) .Without my direct consent CHASE AUTO FINANCE have used my credit card number 15 USC 1602 ( i ) aka social security number for its own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ), CHASE AUTO FINANCE mailed me a statement constitutes a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 1 ), CHASE AUTO FINANCE did not have apparent authority to use the consumer 's credit card or open-end credit plan. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited, adverse credit report is also prohibited. I am demanding and entitled to Documentary Evidence pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Chase is refusing and failed to provide documentary evidence.

CHASE AUTO FINANCE said they will report the alleged debt account to my consumer credit report without my written consent as mandated under the FCRA will violate my consumer right under 15 USC 1681b ( a ) ( 2 ) and my privacy under 15 USC 1681 ( a ) ( 4 ), false deceptive under 12 CFR 1006.18 ( c ) ( 1 ) Pursuant to 15 USC 1692j CHASE AUTO FINANCE is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. Not revealing the name and address of the original creditor CHASE AUTO FINANCE is involved in a False or Misleading Representation pursuant to 12 CFR 1006.18 ( e ) ( 1 ) failed to disclose that they are attempting to collect a debt. And willfully not disclosing the name and address of the original creditor.

The Truth in Lending 12 CFR 226.15 Right of Rescission states the consumers have up to ( Three ) 3 years from the date of the consumer credit transaction to rescind any consumer transaction, if the required notice or material disclosures were not delivered. Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest directly or indirectly to CHASE AUTO FINANCE.

Pursuant to 12 CFR 1006.6 ( c ), Im demanding that CHASE AUTO FINANCE cease all further communication and all collection efforts have being terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Resurgent Capital Services L.P.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This company is reporting to all 3 of my credit bureaus and I do n't owe them money. They do n't have any signed contracts or documents from their company to prove that I owe them. I have disputed this with the company and they continue to call and harass me. My credit is being impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was reviewing my latest statement fro m Capital One  dated  XXXX / XXXX /  XXXX  . It shows a  cash advance  amount totaling {$10000.00}. I disputed this amount by writing to them in a letter dated  XXXX / XXXX / XXXX , asking them for documentation showing when, where, and amounts where I received over {$10000.00} in cash advances. All they did was to write back to me in a letter dated  XXXX / XXXX /  XXXX  , stating that the amount was correct. I never took out that amount in cash advances, and if I am not correct, I ask that they give me documentation showing where I did.

Company response to consumer: Closed with explanation