BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-04
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an online savings account with Marcus by Goldman Sachs on XX/XX/2021, I transferred {$1000.00} from my personal bank checking account and {$8000.00} from my savings account ( {$9000.00} total ) on XX/XX/XXXX. The money left my personal bank account on XX/XX/XXXX. I went to log in my Marcus account on XX/XX/XXXX to find that they locked me out of my account. I called Marcus customer service and they said they don't know why it's locked and nothing can be done until Monday XX/XX/XXXX because the team that unlocks accounts isn't here on the weekends, also they said they didn't receive my {$9000.00} from my personal bank. So I call on Monday, they say they are force closing my account and I can't get my money back that I sent over, they told me they never got {$9000.00}. I called my personal bank, verified the account and routing was correct and they said nothing can be done because the money left the account and is in the Marcus account. On XX/XX/XXXX Marcus said they received the {$9000.00}. So they closed the account on XX/XX/XXXX and my money got sent to a closed account. That money should have been rerouted back to me the next day ( according to my personal bank ). The representatives at Marcus would not tell me why they closed my account, when or how I will get my money back. They just kept saying " we can't disclose any information regarding the matter '' for every question I asked, I was transferred to several supervisors and they all kept saying they can't tell me anything except the account is closed and they will not send my money back, no transfers can be made and they can't transfer any money back. Marcus told me to have my personal bank recall the funds, they said my personal bank will have a procedure for getting my funds back. My personal bank said that's not possible, they don't know why Marcus would tell me that and Marcus needs to send the money back because they have it and they closed the account. I keep getting the run-around I have been calling my personal bank and Marcus everyday, several times a day to find out where my money is and it's XX/XX/XXXX and I still have no answers or my money back. This is theft. Marcus bank literally stole my money. They should not be allowed to operate. They need to be investigated, how can they treat people like this?! I have bills to pay, this is causing me a lot of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
DBA PARAGON REVENUE ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify DBA PARAGON REVENUE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DBA PARAGON REVENUE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have a mastercard from COMMENITY BANK. COMMENITY bank has not updated to the credit bureaus since XXXX 2022. I have made payments in XXXX, XXXX, XXXX and XXXX and nothing is being reported to the credit bureau. I have spoken to the bank and I was informed that the system was updating and my report should be updated in XXXX 2022 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: Ditech Financial LLC
State: MN
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Chase Bank has been calling asking for my father XXXX times in less than an hour. the first call started at XXXX and its XXXX and they have just made the third call. Chase Bank called as many as XXXX times yesterday which is when the collections calls started. They are trying to collect a late payment of {$55.00}. My parents are both XXXX and my mother does not speak XXXX so she is unable to explain to them that I her daughter will make the payment for them today after work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX I was solicited to use blank checks mailed to me by Chase Bank for a 2 % fee % 0 % interest thru XXXX. I accepted the but first called cust svc for CLARIFICATION AND CONFIRMATION of the offer. I was told I could write a check for 2 % fee only and no additional information.. This call was made SPECIFICALLY, so as not to be negatively surprised ... The rep DID NOT VERBALLY TELL ME THAT MY CHARGE CARD BALANCE WOULD NOW BE CONSIDERED A " REVOLVING " ACCOUNT.Previously I ALWAYS paid the bill in full each month! My established pattern of payment was to NEVER pay interest and ALWAYS receive monthly rewards. The consequences, therefore of my acceptance were deceiving and misleading. The verbal OMISSION to CLARIFY the COMPLETE offer, to me, was of CRIMINAL INTENT, in my opinion! The wording states that " unless you pay in full, every month, you will pay interest '' Why, and how would I pay the borrowed {$12000.00} in full, the month after I already paid {$240.00} fee, in full, for the useage of the cash for XXXX months at ZERO % ..?????? This CLEARLY is/was a " bait and switch '' tactic ... deplorable, sinister, and attempted EXTORTION ... .but LEGAL! Supervisor XXXX XXXX defended this trickery and would not cancel the {$18.00} interest charged. She advised me not to use the card until I finished paying off the loan TO AVOID ADDITIONAL INTEREST PAYMENTS ... I sent a CERTIFIED letter to Chase XXXX XXXX protesting this deception. I have NEVER received a response.. I paid the loan in full within XXXX months, less accumulated interest, which is now {$380.00} They are now charging me {$39.00} per month " late '' charges in addition to additional interest! .Amazing the deception and lies to the consumer ... .. '' 0 % '' for XXXX months for only 2 % fee ... .Additionally the wording of their offer is ambiguous at best ... '' This offer includes a fee of 2 % " of the amount of each transaction '' ... .. '' Once you take advantage of this balance transfer offer, you will have a new balance on your account. This means interest will be charged on new purchases you make with your credit card, unless you pay the entire balance, including any transferred balances IN FULL EACH MONTH ... There never was a BALANCE TRANSFER, but a " TRANSACTION, ONLY '' ... therefore the balance transfer commentary NEVER APPLIED to me! In conclusion, in retrospect, this offer was clearly designed to LEGALLY EXTORT money from unsuspecting customers who were amazed at the generosity of the bank ... this practice is UNFAIR, and criminally deceptive at the minimum ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, Venmo has frozen my account without any explanation at all. They are demanding I send them a scanned copy of my drivers license along with a picture of me holding my license. 
I tried to make a payment to a friend on XXXX XXXX and my account was frozen. 
Venmo will not offer any sort of explanation at all and has locked my account, which has money in it. Money that I can not access or transfer to my bank. 
Any help would be appreciated. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi, There's a suspicious credit inquiry on my TransUnion credit report that I did not authorize nor applied for on XX/XX/2022 by XXXX XXXX. This appears to be an error by the creditor/TransUnion and/or possible theft of information.

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 2022-11-09
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Was charged XXXX on the XXXX of XX/XX/2022 lexington law took my money they said no payment until they fixed my situation I told them I was mislead they were rude and mocked me I just qant what wasl promised

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was listed as an occupant on a lease with my parents and they ( my parents ) have an outstanding debt with the company. This company has reported the debt with Experian Rent Bureau and both the Rent Bureau and XXXX XXXX refuse to remove the item. I never signed the lease agreeing to be held responsible for any unpaid rent and/or damages to the residence. I am a XXXX yr old single mom trying to rent a apartment for me and my son and this is keeping me from doing so. Attached please find a copy of the original lease and a copy of my dispute with Experian declining to remove the inaccurate information. I do not feel as an occupant that I should be held accountable for the lease as I did not sign any documents agreeing to being responsible nor was I made aware that this was the case. The debt has been sent to a collection agency called XXXX XXXX and they have agreed that I am not responsible and removed the debt from my credit. However the property management company has reported it and refuses to speak to me personally about it or remove it from my Experian Rent Bureau report. Please contact me with any questions. Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage has reported me late to the credit bureau from XXXX despite making monthly on-time payments each month. I also discovered that in XXXX XXXX they placed my permanent home loan in modification without my knowledge. I received a letter in XXXX XXXX that effective XXXX XXXX, my loan would increase by some {$300.00} due to my escrow having a negative balance. Finally, on Wednesday XXXX XXXX, XXXX I received a letter Carrington stating that I am in default on XXXX loan payments and owe {$2600.00} and run the risk of foreclosure! I have not missed XXXX single payment to Carrington Mortgage. This company has been a nightmare to deal with since my loan with XXXX XXXX XXXX was sold to them. 

When my loan was sold to Carrington, by XXXX XXXX XXXX XXXX XXXX, I was told by a Carrington rep that despite the fact that they had n't received all the documents from XXXX XXXX XXXX I can began making payments to them on my loan. I did this and have done so faithfully monthly. Then once the paperwork came thru, a few months later Carrington assigned me an acct number, sent paperwork to have payments debited directly from my bank account to them monthly. Carrington also conducted an audit on my account and found that there was a surplus in my escrow and sent me a refund check of {$3300.00} in XXXX XXXX. I continued to make my monthly payments to them for a period of 6 to 8 months I had no problem when making my payment. Then in XXXX XXXX, I was notified by XXXX ( Carrington Rep ) I no longer had a permanent loan but my home was in modification with Carrington because the Underwriters " de-archived the loan, '' because they discovered missing documents from XXXX XXXX XXXX. I inquired how I could be in a modification without my knowledge. XXXX could n't understand it herself but assured me to continue making my payments and it would be straightened out. Then in XXXX I received notification my mortgage payments would increase in XXXX XXXX and now the notice of XXXX missing mortgage payments citing my loan in default. Repeated requests with various Carrington representatives over the last few months have been unsuccessful and not resulted in this problem being resolved as promised. I am requesting all my payments be applied to my permanent loan, so my escrow reflects the correct balance. This will also cause my mortgage to remain at its current payment {$1300.00}. I also want the late payments removed from my credit report as it has negatively impacting my credit and lowered my score. I do NOT need a modification as I have not missed ANY payments. I have enclosed all paperwork including bank/mortgage statements reflecting Carrington receiving all payments from me, a portion of my credit report where Carrington has reported me late and all notifications I have received from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2022 I specifically asked the sales person XXXX XXXX to only run my credit for XXXX XXXX through XXXXXXXX XXXX by email. The sales person XXXX didn't communicate that request to the finance manager XXXX XXXX so my credit was run through 7 other banks for an auto loan. When i received an alert that i had a lot of inquiries, i immediately went online to dispute those unauthorized inquiries with Equifax. Equifax refused to remove the 7 unauthorized inquiries. I reached out to the finance manager XXXX to inform him of this issue. The finance manager sent me a letter explaining the miscommunication errors to give to Equifax as proof to remove the 7 unauthorized inquiries on my report. I've sent this letter twice by certified mail, Equifax is still refusing to remove the 7 unauthorized inquiries and lying about being factual and verified when i provided proof from the finance manager and the email request that specifically says to only run my credit through XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: IN
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666b 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 response to consumer: Closed with explanation