BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We have been going through the process of getting a mortgage through Chase and have suffered from incredibly poor service and the bank being unable to answer our questions in a timely manner. Our original loan officer seems to have been suspended and his boss is supposed to be handling our case, but he clearly does not have the time or the interest in our loan so we are left with the loan processor who is at a major disadvantage due to our loan officer 's royally screwing up our information that has been repeatedly sent to underwriting ( incorrectly ) and her own inability to keep straight what we have sent to her. Compounding this is her lack of knowledge of the paperwork we need and the dates on which this paperwork will either expire or the loan commitment will expire without the paperwork. Nobody at Chase seems to be able to act in a timely and professional manner in answering questions or returning calls ( if they get returned ; which is not often ). In order to get a call back we always have to resort to escalation where somebody outside of the reporting line checks in on what is happening. Then we get calls back with the rather obviously false claims that they did call back several times and chose not to leave a message. I checked my own phone records ( on my phone ) and contacted my phone provider and there are no calls other than the ones we have answered or where they did leave a message. In 2015 it is a little insulting to be lied to on something so easy to validate. We need somebody to take responsibility for our loan at Chase and Chase seems unable to do that on their own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a large check to my son who is a student at XXXX University in XXXX. He opened an account XX/XX/XXXX at a local Chase branch ( XXXX ) with this check. On XX/XX/XXXX Chase took the money from my bank. Instead of depositing the money to his account they closed his account " due to recent activity ''. He complained, they called me. I verified I wrote the check. This happened on XX/XX/XXXX. They said they would reopen his account and deposit the money. It is now XX/XX/XXXX they have not deposited the money and apparently have no intention of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My XXXX mortgage statement Amount Due was XXXX with a due date of XX/XX/2020 I paid that amount on XXXX/XXXX/2020 in addition my statement showed a unapplied partial payment of XXXX which was a payment of my escrow shortfall made on XXXX/XXXX/2020 added together added up to my regular monthly payment of XXXX, on XXXX XXXX,2020 Shellpoint reported my account 30  days late which impacted my XXXX score by XXXX points. I am attaching all pertinent documents to prove my case.I was told by there representative XXXX XXXX there was nothing she could do about correcting the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a watch online from a vendor who purported to be an online watch dealer. I was defrauded out of {$4300.00}. I've already filed a XXXX  on the seller. Attached is the police report that details the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, INC.
State: VA
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 items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent in two requests for removal of fraudulent accounts and inquiries on to Transunion and they've been left unanswered or weren't investigated. I called Transunion and spoke with the fraud department a week ago where they assured me the fraudulent inquiries would be removed in 24 hours and they are still there. They've also not furnished any proof on my request to validate a fraudulent account.

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 2016-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Trying to get a judgement/tax lien off my report, it has been satisfied/paid off and is preventing me from getting loans and credit in my name.

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 2022-11-02
Company: EQUIFAX, 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not update these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: DC
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/2021, I the consumer notified all 3 consumer reporting agencies ( XXXX, Equifax and XXXX ) of inaccurate and unverified information on my consumer report that was fraudulently furnished without prior consent of the consumer, confirmation # XXXX from Equifax, and confirmation # XXXX from XXXX, XXXX never sent anything in writing nor investigated pursuant to title 15 USC 1681a ( XXXX ) -investigative consumer report. The Names and Account Numbers are ( XXXX XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports, ( XXXX XXXX # XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), ( XXXX XXXX XXXX XXXX ) -This account has INACCURATE INFORMATION on all 3 consumer reports ( DELETED ), and the ( US DEPARTMENT OF EDU XXXX XXXX XXXX # XXXX, # XXXX, # XXXX and # XXXX ) -All 5 accounts has INACCURATE INFORMATION on all 3 consumer reports ( 2 of 5 accounts was deleted # XXXX ). Equifax, XXXX and XXXX failed to Investigate the first 2 times witch is a violation of the FCRA because pursuant to 15 USC 1681a ( e ) the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's 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. However, such information shall not include specific ( FACTUAL INFORMATION ) on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Equifax, XXXX and XXXX failed to Investigate both times according to federal law ( FCRA ). Equifax, XXXX and XXXX haven't conducted personal interviews with my 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. Equifax, XXXX and XXXX are committing Fraud and Identity theft. The CFPB nor I the consumer can contact nor locate these fraudulent companies that Equifax, XXXX and XXXX furnished to my consumer report fraudulently. I demand all 8 accounts be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX of XXXX my checking account first was restricted and then closed i have been with this bank for 3 years... tried to talk with banker over the phone... he just said you can not bank with capital one no more because you possess risk to the bank. The issue started with my work place changed their bank and printed checks too, so one of the checks bounced and then bank just closed my account. I have been trying to get an official response but couldn't till now. I just want to know why the bank didn't close my account when i was pouring money in account and now that i am in bad financial position bank closes my account. I have been trying to contact the bank everyday since but their department is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
went online to XXXX and it asked me about a loan made in XXXX 2014 that i neither recall or made. i cant get any credit reports form the XXXX major organizations. suspect fraud.

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed late payments with XXXX on several occasions without any results from XXXX for the XXXX major credit reporting agencies. I called XXXX on XX/XX/XXXX to request statements showing I was late on the dates reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX was unable to provide statements with late payment information and information was not available online as well. Only XXXX statements were in their system and for me to review online which were not the statements needed. My concern is what information did XXXX provide to the credit reporting agencies to show PROOF I was late if they were unable to provide me with the information. I would like to request proof of late payments via statements for the months XXXX is reporting I was late. When I called the credit bureaus they were unable to provide documentation after several dispute letters as well.

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 2020-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
So, initially I had four credit cards with U.S.A.A in XXXX of 2019 I realized that with accruing debts needing to be paid would prevent me from paying. I talked with several representatives over phone, via U.S.A.A. chat. I attempted to set up automatic payment plans with the four credit card accounts around XXXX or XXXX, much to my chagrin after two months of believing auto-draft would take, I then became delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Hunter Warfield reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.

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 2020-06-11
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have two unauthorized charges on venmo. 
1. dated on XXXXXXXX XXXX2020 @ XXXX to XXXX XXXX and the second unauthorized charge on XXXX XXXX 2020 at XXXX to XXXX XXXX as well . 
Venmo mixed up the charges. The payment to XXXX XXXX is correct. Venmo is very unorganized. The two charges I am fighting are both for XXXX XXXX 

2. I have contacted venmo on several occasions stating I did not authorize these charges and have filed a complaint with my XXXX bank. 

3. Venmo states they could not find any unauthorized activity. I don't know what steps they took to state that but I did not authorize these charges and would like for you to help me resolve this case, and also have Venmo re-instate my account. 
This is no fault of my own. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BARCLAYS BANK DELAWARE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
I had XXXX charge me from my XXXX year old daughter 's phone. These charges were not authorized by any adult> Neither XXXX nor Barclays would credit these charges. 

Transaction Date Description Category Amount XX/XX/2021 XXXX XXXXXXXX  - {$30.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX  - {$29.00} XX/XX/2021 XXXX XXXXT - {$57.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$49.00} XX/XX/2021 XXXX XXXX - {$55.00} XX/XX/2021 XXXX XXXX  - {$49.00} XX/XX/2021 XXXX XXXX - {$77.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$29.00} XX/XX/2021 XXXX XXXX - {$44.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$27.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$63.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$10.00} XX/XX/2021 XXXX XXXX - {$26.00} XX/XX/2021 XXXX XXXX - {$53.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX {$53.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX  - {$53.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX  - {$31.00} XX/XX/2021 XXXX XXXX {$67.00} XX/XX/2021 XXXX XXXX {$74.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXXXXXX {$42.00} XX/XX/2021 XXXX XXXX {$42.00} XX/XX/2021 XXXX XXXX {$31.00} XX/XX/2021 XXXX XXXX - {$67.00} XX/XX/2021 XXXX XXXX - {$74.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$42.00} XX/XX/2021 XXXX XXXX - {$31.00} XX/XX/2021 XXXX XXXX - {$36.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX  - {$14.00} XX/XX/2021 XXXX XXXX - {$21.00} XX/XX/2021 XXXX XXXX  - {$10.00} XX/XX/2021 XXXX XXXX  - {$15.00} XX/XX/2021 XXXX XXXX - {$40.00} XX/XX/2021 XXXX XXXX  - {$31.00} - {$1600.00}

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 2020-05-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Thursday, XX/XX/2020 I tried using Venmo to send {$180.00} to a friend but it said XXXX would not allow my bank to link accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
CareCredit ( carecredit.com ) pulled a hard inquiry on my credit twice without my consent. At no point did I sign off or give consent to a hard pull on my credit, and at no point was I informed or asked for consent to a hard pull on my credit. When I said this to the customer service representative on the phone, he replied " You're right, I did not ask you if it was okay to have a hard pull on your credit ''.

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 2016-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Portfolio Recovery Associates is calling me after I have requested that do not contact me via a letter i sent which the rep says they didnt receive which i know is false because they sent me a letter responding to the letter i sent verifying an account that they verified with insufficient proof via a statement which doesnt proof anything I want all contact ceased! and I want the account removed from my credit report! since it has not been properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage with Loan Care, a XXXX Company, XXXX. XXXX XXXX, XXXX XXXX, Virginia, XXXX, XXXX. They purchased our loan from another company approximately 1 year ago. Since that time we have had nothing but XXXX problem after another with this company. It started with trying to set up the accelerator program and missing payments. Since before XXXX we have had an issue with login on to their website. I called on XXXX XXXX, 2016, explained the problem and was told it was an issue with their website. I was told they would have the problem fixed and a return telephone call by the end of the business day. There was no return call and the login issue was not fixed. The issue has continued until today ( XXXX/XXXX/2016 ). I called Loan Care on XXXX/XXXX/2016 and explained the issue again. I was told to rest our password through their link. I followed their instructions and their own system failed to provide a temporary password for login. I was again promised the issue would be repaired with a return telephone call within 30 minutes providing me with a temporary password for login. After approximately 3 hours with no call, I called the company again and explained the issue again. During this telephone call, I was once again promised a return call from a supervisor, and a resolution to the issue. So far, the issue has not been resolved. This appears to be a reoccurring issue with this company, because I was told that they had to change their procedure in dealing with a complaint about their website. 

This is a major issue because we are wanting to pay our loan off early and because of the login issue we are unable to make additional payments. I have began to wonder if this is an issue to prevent individuals from making additional payments.

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 2016-09-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
URGENT URGENT SALE DATE WRONGFUL AUCTION OF HOME XXXX/XXXX/16 - Just found out today! 

We received an FHA-HAMP modification as of XXXX 2016. Today, XXXX/XXXX/16 someone came to our door and said that there is an auction for tomorrow. I checked the XXXX and there I found my house to be auctioned on XXXX at XXXX!! This is plain torture! For more than 6 years I have been waiting for a modification, while accruing over $ XXXX due to the fact that I had to wait for the review for over 6 years! I began to request assistance even before I was late. I believe that it has been both XXXX and Carrington Mortgage 's delay and they should do a principal reduction as a result. 

And now, they want to foreclose and sell my home at auction while I am in a FHA-HAMP Trial Modification! This is preposterous! 
I need your assistance so that I do not lose my family home. The stress has been insurmountable. PLEASE HELP!

Company response to consumer: Closed with explanation