BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: Apex Mortgage LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my VA home mortgage with Apex Mortgage. Closing on this refinancing took place on XXXX, 2020. The Apex mortgage adviser who coordinated this refinance process was Mr XXXX XXXXThe original loan was with XXXX XX/XX/XXXX 

The final Loan Estimate provided to me prior to closing on XX/XX/XXXX, was issued on XXXX XXXX, 2020 My complaint is that the I feel that I was knowingly mislead by Mr. XXXX in our discussions prior to closing, and that the figures on the Closing Disclosure that was presented to me at time of closing were not the same as the figures on the Loan Estimate provided to me on XXXX XXXX. This discrepancy is especially true regarding " closing costs ''. ( see attached ). The estimated closing costs as indicated on the Loan Estimated is {$4300.00}. The actual closing cost as indicated on the Closing Disclosure is {$5.00}, XXXX. I did not see these figures prior to Closing time on XX/XX/XXXX. 
The Loan Estimate indicates that there would be {$0.00} cash required at closing. The Closing Disclosure presented to me at time of closing, indicates that cash required at closing is {$860.00} All discussions with Mr XXXX prior to Closing, he assured me that I would not have to come up with any cash at time of closing. This was one of my main issues prior to agreeing to refinance with Apex. Based on my prior discussions with Mr XXXX, and based on the information provided to me on my final Loan Estimate, I refused to write the check for {$860.00} at time of closing. We then completed the closing process. My final closing costs ( {$6400.00} ) was {$2100.00} more than my Estimated Closing costs ( XXXX ) When I contacted Mr XXXX regarding this matter, he assured me that this {$860.00} charge had to do with my escrow account, and that I would be receiving a refund of escrow money from XXXXXX/XX/XXXX within thirty days. We also agreed that when I received my refunds from XXXXXX/XX/XXXX that I would then send him the check for {$860.00}. Mr XXXX had me sign a Promissory Note to pay the {$860.00} upon the receipt of my escrow refund from XXXX XX/XX/XXXX I eventually received a check for {$19.00} from XXXX XX/XX/XXXX 
I am filing this complaint because I firmly believe that I was knowingly provided false information regarding closing costs of refinancing with Apex mortgage. Mr XXXX is not returning my phone calls. 
I appreciate any help that you can provide in resolving this issue Thank you XXXX XXXX Attached are copies of 1 Loan Estimate ( 2 pges ) 2. Closing Disclosure ( 2pges ) 4 Attachments

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have a Chase Marriott XXXX XXXX XXXX Business Credit Card approved on XX/XX/XXXX, which is for my company XXXX. Due to the COVID-19, I don't use this card for a while in 2020. I am not sure if there is any miscommunication but my card gets closed by Chase without my consent in 2020. I try to contact Chase several times try to fix this issue and re-activate my account, but it was not successful. Right now we are back on business, and I really need to use this card for travel, but Chase no longer accepts new applications for this card. So I really need Chase to help me re-activate this account because closing my account before is a mistake from the Chase representative, and I never asked Chase to close my Marriott XXXX XXXX XXXX Business Credit Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello I have been trying to work with BBT on a loss mitigation package for assistance. However, it seems that they are intentionally failing to log in received documents and failing to follow through with return phone calls. For example they called and asked for profit/loss statement, then asked for it to be for the 3 months prior which would be XXXX, XXXX XXXX 2016, then asked for it to be individually stated. Each time I give them what they asked for and it was never acceptable. Then the next step it was n't received. Every time you speak to someone its a different request. Then they stated they were missing information on the bar assistance, why not tell me that in the beginning. Then you send it what they asked for then its missing this column. Ok, now back to missing the profit loss. I think they game me the run around to get the foreclosure in. I fax and email them the requested documents each time and when you call to verify it takes time, You call back after a few days, oh we apologies we do n't see it. I also asked for supervisor to call me no return call! But then they see in the system where the request was made but do not know what happened. I called today to find out that it was denied. I received a foreclosure letter with 20days to respond on XXXX XXXX. i mailed in the response today, I tried to make a payment in the amount of {$15000.00} to the bank and could not. I was on medical leave, XXXX. I had to start a business this summer if not I would have been homeless and on the street. I need help to save my home and to receive and ethical professional service from BBT.

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 2020-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For many time I will compliment about this account I NOt my 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 explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have now wirtten Transunion 2 times about items on my report that are not right. The first time being back in the beginning of XXXX. I have not gotten a response to my requests and it has been well over 30 days. This has stressed me out I " trying to buy a car and did what I was supposed to do.

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 2022-03-23
Company: EQUIFAX, INC.
State: KY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent a check for my Lowes credit card to Synchrony Bank on XX/XX/XXXX in the amount of {$700.00}, which was the full amount due on the statement. On XX/XX/XXXX, I received an email from Synchrony Bank that I was delinquent on my account and that I was being charged late fees and interest. I spent 10 minutes trying to get past Synchrony 's automated " customer service '' and then another 30 minutes waiting on hold before I finally gave up. With no idea of how long it would take to ever get the issue corrected, I cancelled the check ( {$35.00} fee ), paid the late fee, interest and amount due online, and then cancelled my account. I believe Synchrony is operating in bad faith. Trying to unfairly charge customers for late fees and additional interest payment, and then hiding behind an impenetrable, everlasting delay to speak with a live representative.

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 monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, Account # XXXX, Amount {$670.00} has violated my rights. 

15 US 1681 Section 602 A. States I have the right to privacy. 

Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2016-09-29
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I complained about BB and T putting an unauthorized hard copy on my credit report without my authorization. XXXX is the complaint number. I never received a satisfactory response on this complaint. I asked for the inquiry to be removed from my credit as it caused my credit score to drop by XXXX points. They told me they had the authority to run a credit report on me since there was " signage '' in the bank. I never saw any signs. I have had a checking account with them since 2008 and took a cashiers check to be put into a savings account to be linked to my checking account. I was not applying for credit although they tried to give me overdraft banking and a credit card. I never asked for any of these and refused. They obviously pulled my credit in order to attempt to cross sell me products that I did not want.

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 2022-10-11
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I was approved for a personal loan in the amount of {$20000.00} with XXXX credit XXXX called and spoke to XXXX to request a higher limit. He had to speak to his supervisor, who then told me that they would have to withdraw the loan and I would have to reapply. I had two concerns and asked them if that would put another hard inquiry on my credit report,, they said they could not answer that. The second concern was what the worst case scenario would be if I didn't get approved for a higher amount. They said it would go back to the original amount of {$20000.00} I took their guidance and re-applied. It was then denied. I called again to let them know what was going on. They could not reverse what was done. They are now sending me an adverse action letter, even though I was approved. This will now hinder my credit score as well. I was lied to and misled. I also lost out on a {$20000.00} banking relationship due to lies and negligence.

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 2016-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
To Whomsoever It May Concern, I am seeking assistance through CFPB to help resolve an issue with Chase bank regarding my credit card account with a limit of {$8000.00}. This credit card debt has been a financial burden to me and is taking a toll on my health as I 've been struggling to pay the monthly due and have not reduced the balance since granted. 
My first credit card was issued by Chase in XXXX with a limit of {$1000.00}. I was then a college student with a part-time job, making only $ XXXX/hour. One day in XX/XX/XXXX, I went to a Chase branch to pay off my balance. The teller told me that I may qualify for a new credit card with a higher limit and was referred to a personal banker. The personal banker updated my information directly through the computer entering my salary as {$90000.00} and approved me a new card with a limit of {$8000.00}. No new card application was filled out. 
Being young and ignorant, I accepted the {$8000.00} offer. I did not realize the kind of situation I was putting myself into at that time, as I had minimal experience with credit cards. 
I believe the personal banker inflated my salary so she can back up the credit increase of {$8000.00} to increase her production, though I was not technically eligible for such a high credit limit. 
I was informed by concerned persons in the banking industry that under Regulation Z - Truth-In-Lending Act, enhanced by The Credit Card Act of XX/XX/XXXX, that it is the responsibility of the credit card issuer to consider the consumer 's ability to pay when issuing a credit card or increasing credit limits. I believe the personal banker acted irresponsibly and put me in this predicament. I believe she violated Reg Z. 
I contacted Chase Credit Services during XXXX XXXX and requested to charge off the balance due to financial hardship. Their response was to settle only XXXX % of the total balance which is still not affordable considering all of my total current obligations and living expenses. 
I am seeking CFPB agency 's assistance for a resolution of my credit card balance with Chase Bank. 
Thank you in advance for your time and consideration to my request. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I get robo calls from the Marriott group 2-3 times a day. Im registered in the do not call plus Ive blocked each number that calls me but they use so many numbers its impossible and a complete nuisance and they should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, 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 AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: CT
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX XXXX XXXX contacted my spouse about a debt collection that is solely in my name. My spouse verified with the representative that the account is only in my name. They gave my spouse information regarding the company, account balance and other personal information. This is a complete violation of privacy. I have never spoken with any XXXX from this company before. I have not received communication from them. I did not give them permission to speak with anyone regarding this debt collection. I do not mind working with a professional debt collection agency regarding this account, but I will not work with an agency that violates FDCPA. I can not trust a company that violates federal law to handle any of my personal information. My spouse asked them to mail proof and they refused, citing only an email that they sent to his ( MY SPOUSE ) email -- not mine.

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 2022-03-23
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, 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 2017-02-15
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, Since the initial mortgage payment, Caliber has repeatedly confirmed that they were applying my payment to another address. I emailed the loan officer XXXX XXXX, forwarded the emails received from Caliber stating they had received my payment but were applying my payment to a address that is not my own. Emails and repeated calls to customer service has yet to rectify this situation.

Company response to consumer: Closed with explanation