BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I am a business owner for XXXX XXXX XXXX with 6 employees, I am married to a US citizen and I have a legit employment authorization issued by USCIS and a SSN and waiting for my XXXX XXXX, I worked over $ XXXX last year. I recently added 2 trucks to my fleet and I needed 2 more trailers so I applied for loan from SHEFFIELD FINANCIAL with a credit score of XXXX to which I was denied for not having a XXXX XXXX even though I have authorized XXXX XXXX and I feel like this is discrimination because I qualify and I am even willing to put any collateral down but they did not accept.with this I want to know how best this can be solved.

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 2020-09-12
Company: SLM CORPORATION
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae falsely advertises cosigner release as an option when promoting student loans. 

I cosigned several loans for my son. He graduated from college in XX/XX/2016 and began making payments to Sallie Mae, according to established repayment guidelines. He has paid off 4 loans and has two remaining, estimated amount of $ XXXX. My son has made every payment on time and in excess of amounts due most months ( that is how he has been able to pay off 4 loans ). My son is gainfully employed and carries a low debt load. He has demonstrated the ability to repay his student loans, without assistance from me or anyone else. 

We have submitted three requests for cosigner release and all have been denied. Sallie Mae promoted cosigner release as a differentiator between student loan providers but does not actually release any cosigners - false advertising. This practice is still ongoing and is wrong. 

Please request data from Sallie Mae for number and percentage of approved cosigner releases for the past 5 and 10 year periods. I am confident you will see a pattern of denying cosigner release request, even when borrowers have demonstrated the ability to repay and have repaid a significant amount of their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THIS ACCOUNT IS NOT MINE, I HAVE ASKED THEM TO PROVIDE VALIDATION, PROOF, WHEN I ASK THEM TO DO SO, THIS HAD A NEW DATE OPENED DATE, AS IT WAS SCHEDULE DTO FALL OFF MY CREDIT, IT HAS CAUSED MY SCORE TO DECREASE, THEY HAVE SOLD THE DEBT SEVERAL TIMES, AND EASCH TIME THEY DO, IT HAS A NEW OPEN OPEN DATE, THIS IS NOT FAIR UNDER THE LAW, I RECIVE SOCIAL SECURITY INCOME, AND THEY ARE ASKING ME TO PAY A BILL THAT IS MINE, THE SIGNATURE ON ANY DOCUMENTS IS NOT MINE, I AM ASKING THEM TO ABSOLVE THE DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Having used the Amex BlueBird card for many months to receive my monthly direct deposit Social Security payment, I received an email from them on XX/XX/2020, notifying me that the account was closed and locked because I had violated section 22-d of the User Agreement. 

I am now unable to access my account by Iphone app or direct website login. 
I called the number listed in their notification email. After waiting 26 minutes I spoke with a female rep with a very thick XXXX accent who was very difficult to understand. 
After providing all of my identifying information she read a script saying account lock and close was a " business decision '' by Amex based on section 22d of the users agreement and that I will be mailed a refund check in 7-10 business days. 
She said she was in the fraud division and that there is no confirmation number or email available to confirm our conversation. 
I called the main customer service number listed on the card. After waiting, a robot answered stating my account is locked Goodbye and ended my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
This is a complaint against Chase Mortgage, for both my primary home mortgage and my home equity that is still reporting on my credit report as negative. I held both a home equity and XXXX mortgage with Chase. I applied for a HAMP loan and my loan was soon put into foreclosure. I had sent in the large application packet probably about 10 or more times, with responses back from Chase that my documents were now " expired '', though they were valid upon submission. I even hand delivered my packet to a HAMP processing center in Colorado. 

There were many errors and false information about the HAMP process conveyed to me by Chase. The first of which I was advised by Chase representatives that the only way I would qualify for HAMP was to let my mortgages and equity line go into default. Another grievous error was that a phone representative marked my application as a " short sale '' though I never indicated I wanted to short sale my house. My whole point of applying for the HAMP loan was to make my payments more affordable. 

Due to the mishandling of my application, I later received a settlement of {$2000.00} from Chase as part of a class action lawsuit. They prolonged my HAMP application for nearly 2 years, whereby I incurred interest, stress, and the nearly two years of accrued unpaid mortgage payments, ( that I would not pay until I was assured I was indeed qualified and would not lose my home ). My modification was finally approved literally the week my house was to be put up for auction. 

Additionally, Chase turned over the servicing of my account to XXXX, who at first contested that I was HAMP approved. I had to fight and wait to know for certain my new loan payments under HAMP were being applied and I was truly no longer in foreclosure. I had been paying Chase, but when it was transferred to XXXX they did not have my Chase records for a long time, leaving me to believe I was never approved. XXXX kept telling me that had no records of my HAMP approval for CHASE, though I had already started paying on my trial period payments. 

As it stands I was able to remove the Chase Mortgage from most of my credit reports, but my Home Equity is still showing as derogatory on my credit reports and has the incorrect last date of payment, ( I did not make a payment in 2011 ), and other errors on the reported account. I would like all my past derogatory accounts with Chase Mortgage deleted from my accounts. Also, if there is any other compensation that I could receive for all the XXXX and time that Chase caused me over the years stalling the HAMP process, I would like to know. Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for this card in late XXXX. I applied right away for autopay by filling out the paperwork Bank Of America sent to me for this purpose. My wife and I mailed it out. I went online to see if it had gone through and when it hadn't I called their customer service. Bank of America said the paperwork was not recieved. So my wife and I tried to set it up online several times, and had trouble, and tried to get assistance from their customer service on the phone. They said we had to do it online. After several more times of fighting their website, we thought we accomplished this. The company did call us a couple times over the summer of XXXX I believe to say the payment was late, which was perplexing as we thought it was set up autopay correctly. So we paid over the phone. And then continued to get late fees. And tried again to set it up with paperwork through the mail. Again, it failed. Next my wife finally figured out how to set it up, but there is no way to set it at minimum payment and it has to be a set amount. It was hard to know if this covered the minimum or not. Their website is very difficult, the worst we have used. Finally, however, we were not getting late fees and it was paid each month on time, and my wife made several payments of larger amounts via check and mail to keep the amount down. We asked them to waive some of the payments due to the difficulty of getting autopay set up, but they refused saying too much time had gone by. It had been maybe 90 days. The late fees added up to {$150.00} or more. 
Then on XX/XX/XXXX Bank of America charged me the annual fee of {$75.00}. Then on XX/XX/XXXX, they cancelled my account. They said due to current or past delinquency as one reason. But we feel due to their poor management and website, this was not our fault. We tried at least 8 or 10 times ( likely more ) to set up autopay, and twice was filling out forms and sending by mail. I asked them to refund the fee due to the fact they cancelled the card right after, but they would not. I called and talked to several people including a Bank of America Analyst. 
I hadn't had a late fee in a over a year, I hadn't gone over my limit either. I do not feel it was justified that they cancelled my card. I also think it has reflected poorly on my credit records. I would like them to rescind that damage to my record. I would also like the card reinstated and Bank of America to streamline their autopay process so people are not getting burned financially by this frustrating process. 
I talked with and XXXX  XXXX person who suggested that I take up this process. 
I also talked to a friend in town who had the exact frustration and problems with autopay and late fees.

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 2022-04-12
Company: Blockchain.com, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I deposited {$10000.00} in cash with blockchain.com in my wallet and now I can not get the money back out. 

I have filed multiple support tickets with the company with no response. 

Do not use Blockchain.com, they also took {$15000.00} of cryptocurrency from me and will not allow me to move it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: CAINE & WEINER COMPANY, INC.
State: NJ
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:
taking action against XXXX  they sold my account to a third party which is Caine & Weiner which under the FTC law that third party debt collectors can not collect on a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX   XXXX ,  2017  Sent a QWR to these companies.     OCWEN Loan Servicing LLC  XXXX   XXXX   XXXX  I have not gotten any answers to my request. I did get a print out of something but no answers to the questions I asked on the QWR of  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-03-27
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am reaching out to Western Union in reference to my previous complaint with the Consumer Financial Protection Bureau dated XXXX, complaint # XXXX. Back then I filed a complained due to my email address being attached to a Western Union account that used to belong to me but that I eventually transferred to somebody else 's name and email address, but for some reason Western Union kept my email address attached to that account even when the name of the account holder is not me. On the resolution of that complaint, Western Union acknowledged the error and said they corrected it and I should not receive any kind of communications regarding that account. Well today XXXX I received once again a communication from Western Union, in XXXX, directed to the account holder 's name but sent to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: ALTERRA GROUP, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX, 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager, XXXX XXXX, and he told me " you are out of line '' and all I did was post a message on the companies XXXX page which stated " I am not having a good experience and I just need someone to please help me get my loan closed. Please help. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions Inc.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I HAVE ALWAYS BEEN VERY CAREFUL WITH MY CREDIT AND KEEPING A GOOD CREDIT HISTORY. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2022-09-06
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sent someone {$220.00}, or so I thought. Venmo put a 21 day hold on the money, no warning, no reason. Venmo now says they can not do anything about the hold, I can not get money released, person I sent it to can't get the money out of jail. Venmo gives different information when you call. Venmo is using customer money for 21 days but not paying interest when they release it. I have had conversations with XXXX different people at Venmo, including a supervisor, and it seems the only phrase they know is " I'm sorry '', not even once a " We will get this fixed ''. 
I sent the money to buy a hard to find part. By the time I get this solved the part will probably no longer be available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 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 2020-04-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/XXXX, I CALLED ALLY BANK REGARDING A FOREBEARANCE FOR MY HOME MORTGAGE LOAN. THE AGENT READ TO THAT I COULD HAVE 180 DAY FOREBEARANCE UNDER THE CARES ACT. HOWEVER, ALLY WAS ONLY GOING TO OFFER ME 120 DAY FOREBEARANCE AND SHE DID NOT KNOW WHY. HOW IS ALLY ABLE TO VARY FROM THE LAW OR AM I NOT UNDERSTANDING?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Experian Information Solutions 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:
TODAYS DATE:XX/XX/2020 XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX Reported : XX/XX/2020 XXXX/XXXX Reported : XX/XX/2020 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion,  Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I had applied for a Chase XXXX Visa Platinum credit card online on XXXX/XXXX/XX/XX/2015. Due to lack of verifications reasons to further evaluate my application, their fraud department had mailed me a letter stating they needed some personal information sent in verifying my date of birth/current billing address. I provided exactly that by their fax ( copy of my drivers license and current XXXX utility bill ) to speed up the process given by XXXX of their representatives at this telephone number, XXXX XXXX. They confirmed receiving my items 72 hours after. Since then, I contacted them now over XXXX times to discuss and resolve this issue, but their requested contact, Supervisor XXXX XXXX has not returned my call since all the messages that were left by me still. In my last telephone call, I was told from XXXX of their representatives at this number that they had declined my application due to this same reason, but still received no letter. I am even more unhappy that their telephone representative gave me the final decision before they even contacted me. I am extremely concerned about my credit report showing any negativity against other potential creditors to review my account for this unsatisfactory reason. I work very hard to maintain a good credit rating and need find a resolution for this. It has now been on going for over a month now and no matter how proactive I am, they are not responding. I am open to any assistance to resolve this matter.

Company response to consumer: Closed with explanation