BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have contacted Chase Freedom Card Visa five ( 5 ) times in order to transfer a large credit balance ( $ XXXX ) to my Chase checking account. The credit balance is the result of a cruise line credit due to cruise cancellation from COVID-19. Each conversation with Chase produces a different answer. At this point, the credit ( {$21000.00} ) has been removed from my Visa account, however, I have no idea where the funds are. I was advised that I would receive an e-mail detailing my options. No e-mail has been received. I have received two ( 2 ) text messages directing me to a link which requests a password which I don't have. Chase Visa advises that I could not have received a text message. 

I have been misinformed, disconnected, and generally been given the run-around. The monthly Visa bill for this account has been directly paid for over twenty years from my Chase checking account. Nevertheless, Chase claims they can not move funds the other way!! I have no idea where my $ XXXX is and Chase Visa advises that it could be another TWO WEEKS before it may arrive by check. Then, again, it may not. 

PLEASE HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Western Union Money Transfer on XXXX XXXX, 2016 : Western Union provides 3 opitions on line for money transfer. One is a credit card option, however when you choose it, Western Union gives you the illusion of proceeding with the transaction, asks for personal information, like driver licence etc. After you provide all info and submit your credit card information, the web site gives a message " your transaction could n't be completed '' and forces you to chose WU option for payment. When I called Western Union, after being conected with someone in XXXX, I was told that my credit card company denied the transaction. I called my credit card ( XXXX XXXX XXXX ) and was told by them that nothing was denied by the credit card company, moreover, that no transaction was ever received. When I called WU again ( conected to a foreign country again ), the only information I was receiving was to take cash and go to a local Western Union agent ( highly inconvenient and burdensome ), or to choose the WU option on line. My complaints about the previous wrong info as well as questions about when the credit card option on WU web site would work, were completely ignored. 
Western Union deceives people on their website to obtain personal, sensitive and financial information from their customers, therefore it is kindly requested that the US Government investigate those practices and take further legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Experian Information Solutions Inc.
State: NY
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:
After wrongly being denied credit on  XXXX   XXXX ,   XXXX  , I requested a copy of my credit report from Experian. Rec 'd 1st report on  XXXX / XXXX /  XXXX   ( #  XXXX  -their  number ) which was full of incorrect info. Spoke to representative. Followed up with a ( return receipt requested {$5.00} ) mailing which included copy of my passport, homeowners insurance declaration and my request to remove/correct personal info. Rec 'd  2nd  report dated  XXXX / XXXX /  XXXX   ( #  XXXX   XXXX  incorrect phone number was removed BUT another incorrect  Residential  phone # with a New Jersey area code was added. Sent a complaint to CFPB, as there was no phone number included this time to reach a representative. CFPB notified me that complaint is closed as Experian responded. They responded but did nothing else, obviously, as today I received a  3rd  report dated  XXXX   XXXX   XXXX  #  XXXX   XXXX  which still contains that New Jersey number. When I wrote to them in  XXXX  I gave them my only  2 Phone # s, along with my passport and Insurance declaration . When I attempted to dispute this through their dispute website ( www.experian.com/disputes ) it would not accept it, telling me report # was required ( I copied it directly from this report ) nor when I entered my own personal information. Please note this is my 2nd complaint about the same thing re : the same company.

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 2022-04-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-04-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have submitted XXXX written requests and made numerous phone calls to Bayview Loan Servicing to obtain a breakdown of the activity on my mortgage account. I am in chapter XXXX but I make the payments directly to Bayview each month. I have been told that it is not their policy to send monthly statements of account to CHXXXX clients. I do not understand this because before XXXX XXXX XXXX transferred my loan to Bayview, XXXX XXXX XXXX did send monthly statements. I have made XXXX of the 60 monthly payments required under my monthly plan. I am not in default. Bayview has also failed to send the XXXX mortgage interest statement required under IRS regulations. They offered to give me a figure over the phone but obviously this information must be reported in writing. As I am typing this, I just spoke with Bayview and they state that the XXXX will be faxed today or tomorrow. They also stated that because I have an attorney of record on my account. their policy is not to send me any information but to report it to my attorney instead. The problem is that my attorney states that Bayview has not sent them the requested information either. I have experienced problems with accounting errors on previous mortgage accounts and it is important that I know how my payments are being applied. I know that the law requires Bayview to provide me with a detail of how my payments are being applied as well as my escrow and principal balances. I believe that I am not the only client of Bayview who is not receiving information on their account. I am attaching a copy of the XXXX the letters mailed to Bayview in XX/XX/XXXX and XXXX XXXX the XXXX letter was also faxed. I would appreciate any assistance you can offer to facilite my receipt of the transaction activity and balances on my mortgage account. 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE BANK USA XXXX XXXX XXXX, XX/XX/2021, XXXX. XXXXXXXX XXXX, and I have no recollection of doing any business with CAPITAL ONE BANK USA. I contacted CAPITAL ONE BANK USA, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview Loan Servicing has failed to notify me who my new Asset Manager is. Bayview Loan Servicing has changed our Asset Manager four times. Upon speaking with the third Asset Manager, XXXX XXXX, stated her email address for us to contact her is XXXXXXXXXXXX. 
Please see Exhibit F attached, of the Lost Payments, Discrimination, Retaliation and harassment email due to fake mortgage note, dated XXXX XXXX, 2016, that could not be delivered to the Asset Manager Bayview Loan Servicing states is assigned to our Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I d isputed it on Transunion Dispute and reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudulen t (   XXXX  charge for  XXXX   ),  so she turned off the account and anyone authorized users, and marked the transactions as fraudulent.

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 2016-01-14
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX Fax : ( XXXX ) 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 XXXX DIVERSIFIED XXXX or any company associate with this account # XXXX DIVERSIFIED 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 : XXXX DIVERSIFIED XXXX 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 DOB XX/XX/XXXX SS LAST NUMBER OF SS XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: WELLS FARGO & COMPANY
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
XXXX  of    2016  to prese nt. Wells Fargo has be en having trouble with having posting payments in a timely manner. Shipping billing statements to address that we have n't used for well over a year and a half. In so doing they proceed to want to charge me late charges. I have talked to customers service representatives and they assure me that the problem will be ractified. To this date it has not, if anything it is getting worse.

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 2015-12-18
Company: Servis One, Inc., Titusville, PA Branch
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2020 I received an offer from my mortgage company ( Freedom Mortgage ) to refinance my existing mortgage with them to lower my interest rate and monthly payment. I agreed to do it, provided all information requested and everything went smoothly until it was time to close. I've been calling them since XXXX to find out why I haven't received a closing date and every time they tell me they're waiting on the title company. Spoke with title company on multiple occasions and every time I'm told that my loan had been cleared on their end since XX/XX/XXXX " I have emails to prove it ''. To this day each time I call Freedom Mortgage they tell me they're still waiting on the title company but when I forward the emails from the title company stating they had already cleared the loan since XX/XX/XXXX, I'm told " oh someone will contact you '' an no one ever does. What XXXX me off the most is the fact that I did not solicit this, they called me to offer it to me, and I have perfect credit and never missed a payment. This is why I'm submitting this complaint so that people know what they're getting into when dealing with Freedom Mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Account Control Technology, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Accou nt Control Technology, INC. ACT i s trying to collect a junk debt. This debt also failed validation With another collection agency called  XXXX   XXXX   XXXX , whom failed to provide validation in  XXXX . Moreover, validation was sent today in the mail and ACT failed to respond to my complaint with the Better Business Bureau Complaint ID # :  XXXX . In addition, Account Control Technology called me on  XXXX / XXXX / XXXX  from the number  XXXX  telling me to " make payments '' This also violates the FDCPA ( Fair Debt Collection Practice Act ) by failing to mention offering validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This account is listed twice on my profile XXXX XXXX This account has been paid and the incorrect information is listed on profile and no data has been sent to support this debt. I request this be removed ASAP. Here is the second account XXXX XXXX. Also, it has been over 60 days requesting this removal. 

Thank you

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 2017-05-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
An application for short sale was submitted on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I acalled Ditech and spoke with XXXX at Extension # XXXX. I was told the customer was being moved formally into Short Sale Review, a  representative will be assigned and a BPO is being ordered. He said we should follow back up in one week with them. On XXXX XXXX, XXXX, I called XXXX x XXXX, to check the status of the short sale application. He asked me for the borrowers " title '' and I told him it 's " XXXX '' He said that 's not correct and I said he has no other title and if he 's referring to the fact that our client is a XXXX, but that is a suffix not a title. He said he needed the full name on the account and I told him I gave it to him. He hung-up on me. I called back and got XXXX again. I asked for his supervisor immediately and was transferred XXXX XXXX. XXXX said he did n't see any notes as to the BPO. He escalated the issue to the SS dept. He said someone would call me back on XXXX XXXX or XXXX. No return call was received. On XXXX XXXX, XXXX, I called Ditech and spoke with XXXX x XXXX, she said she sees that XXXX XXXX sent a request for a manager to follow-up. The Manager did not follow-up with me, which is why I called back. She said there are no notes in the file since the representative never sent the referral to the loss mitigation dept. So, our appliciaotn has been sitting for a month. They said it should be assigned to a short sale representative on XXXX XXXX, XXXX. I would like this person assigned now, as an entire month has gone by.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I attempted to use an ATM at the branch located on XXXX XXXX XXXX. in XXXX, AL. The ATM had an error message which stated that there were n't any transactions available. I returned to the branch and requested that the bank cash a check. They refused to do so an indicated that it was a transaction which they were refusing to all consumers and that they would n't allow anyone to take cash but only make deposits. I asked how long the policy would remain in effect and she indicated that it was as a result of computer issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Please do not go with  XXXX   XXXX  credit card or any other deferred interest payment card. I was n't told that it was a deferred interest credit card when the salesmen told me to go with it at the  XXXX   XXXX  store. I have paid {$1500.00} in interest when I was within {$500.00} of paying the card off.   I think it 's anything with Comenity Bank is going to do this to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: General Motors Financial Company, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????

Company response to consumer: Closed with non-monetary relief