BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-16
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Ladera Lending, Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I applied for a loan about XXXX days ago with Ladera Lending and I have been given the runaround about trying to get it processed. I am told that it 's still in underwriting and we are still waiting for a response. I have been waiting for underwriting for about 2 months now and it 's long overdue. They kept promising dates of estimated closing times which never happened and I feel like they are just wasting my time or playing games with me as a consumer. They state that it has been reassigned to another underwriting and that management has gotten involved but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
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:
EXPERIAN has been discriminitian against me because of my age, race i have reported to experian many times this fraudulent account to my report i have send the all documention, i have call, i have rpeort to state attorney m FTC m local police and have send all the documention of this eligal account and they refuse to removed this ilegal account from my report ... XXXX XXXX XXXX PLEASE HELP ME RESOLVE THIS SITUATION THAT HAS BEEN GOING ON FOR YEARS AND EXPERIAN IS DISCRIMINARIAN AGAINST ME

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 2015-05-29
Company: KEYCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a keybank easy checking account for a {$250.00} promotion. The promotion details indicated use direct deposit for {$500.00} or more within XXXX days to get the {$250.00}. I called once I had completed the required {$500.00} and was told yes i have met my qualification and would get the {$250.00} within the next few months. 
I emailed yesterday inquiring about how long it is taking to get my {$250.00} to ensure it is still on its way and was told I did n't meet the promo criteria because it is a single direct deposit for {$500.00}, not direct deposits combined to equal {$500.00}. I called to advise this is deceptive and has now caused harm in my inability to do a single deposit for {$500.00} to meet the qualification as the window of time has past. The representative told me that I did qualify when I spoke with her today, but when i pushed for clarification she did confirm it needed to be XXXX transaction of {$500.00} or more. XXXX I have called and been told yes i qualify, but finding today I actually do not. This is deceptive and unfair as now I am not able to fulfill the terms, due to misinformation provided by key bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: Universal Payment Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2015-04-10
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 my house got damaged because of very strong winds. Per " XXXX XXXX '' insurance the damage included the roof, ceiling of the living room, etc., in total amount of {$11000.00}. They quickly sent the check and instructed to contact our Loan company ( Seneca Mortgage Servicing ) for loss draft. Ever since XXXX/XXXX/15 I called them around XXXX times, faxed and mailed out all the documentation they requested, however ; even though I have spoken to different representatives at different times, it appeared that they were just reading a ready script, repeating the same thing over and over ( " please, allow us 7-10 business days '' ). It is worth to mention that even after 40 business days they still have n't done anything. So, I requested to speak to a supervisor, who XXXX XXXX XXXX XXXX called back on XXXX/XXXX/15 and left a voice mail on my phone stating that within 3-4 business days the " whole thing will be done and you will have the check '' ). I was shocked when after 7 business days of waiting I called back and the next representative told me the same script " please, allow us 7-10 business days ''. This is a mortgage company that is suppose to make sure that consumer 's house does n't go to foreclosure, instead, because of their careless attitude I literally live without a roof, the damage of my house gets worst and worst, since within 3 month there have been more winds and rain. Neighter the representatives, nor the supervisor care that my family 's health and well being is under a big question mark. 
I would like to request your assistance in getting my insurance check ASAP since it became impossible to do business with Seneca Mortgaging Services. 
Thank youXXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2021-08-16
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i turned in my leased XXXX hyundai on XXXX and purchased another lease on XXXX hyundai is trying to collect XXXX excise tax but it was not mine as of XXXX i have sent them all docs bill of sale vehicle return from dealer and they have now issued a late payment on my credit reports really PLEASE HELP

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 2015-06-21
Company: KEYCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I recently opened up a checking account at the Key Bank XXXX XXXX XXXX location with XXXX XXXX. I opened this account because she said it would drastically increase the interest rate on my CD. I already have a checking account that I am happy with, so I informed her that I would not use the new account and would there be fees if I did n't use it. She said no as long as I kept {$50.00} in the account. So I went ahead and opened the checking account. 

I received a letter dated XXXX XXXX, 2015 informing me that I would be receiving an inactivity fee on this checking account. This was surprising to me because I know I specifically asked about such fees associated with this account. The representative did not disclose this to me and led me to open a checking account which I do not want. 

I called the number listed on the letter and they said that this is correct, I will be assessed fees. I understand how to avoid these fees but my issue is the total misrepresentation of my account by your banking rep. 

At the time I opened the XXXX I was also told there would be no fees to transfer money from my savings account with them to the XXXX however, I was charged a {$50.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Forster & Garbus LLP
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: WSFS FINANCIAL CORPORATION
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I was selling a dress on XXXX and " XXXX '' sent me a message asking for pictures to be sent to her email address. We then began communicating via email and she said her daughter wanted the dress and that she could only pay through money order. A couple days before it arrived at my address, she stated her husband mixed up their bill payment ( money order ) with the one for me. The amount I was supposed to recieve for the dress as XXXX dollars although te money order came with {$850.00}. I deposited the money order and waited for it to clear into my WSFS bank account before sending the remaining " bill money '' back to her. They did actually show up in my account which is the only reason I sent the money over. Using XXXX, I sent her the remaining funds {$770.00} to her zelle account which is also through WSFS. A couple days after that I looked at my account and noticed the money had been removed by the bank due to them realizing it was fraud check and I discovered the XXXX for the money order was actually my money being removed since the check was fake. Not only did WSFS deduct additional funds but I could not recover my funds from the buyer, XXXX, or the bank. This was the remainder of my savings and was also bill money now I am behind on all my bills. There was also another person fowarded in the emails called XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/2019 i got into a car accident in XXXX, TX. They flew me to a Military Hospital In XXXX XXXX, called XXXX XXXX XXXX XXXX. Its been 2 years now and they are taking 15 % out of my paychecks, and threatened my boss if he didn't. I'm a single mom. My money is limited, and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: RoundPoint Mortgage Servicing LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was purchased by XXXX and XXXX reassigned servicing of the mortgage to Roundpoint Mortgage Servicing Corporation. I received notice of this reassignment with letters dated XX/XX/XXXX ( from XXXX ) and XX/XX/XXXX ( from the previous mortgage holder - XXXX ). Both letters indicated the new servicer was Roundpoint Mortgage Servicing Corporation. 

I have not received *any* contact from Roundpoint Mortgage Servicing Corporation regarding servicing of my loan. I have called Roundpoint twice - once on XX/XX/XXXX and once on XX/XX/XXXX. Each time they have stated the mortgage is being processed, that they are unable to accept payment until the mortgage is processed, and that I should check back in a week. I am now at XX/XX/XXXX, and my mortgage payment is due tomorrow. However, I have no servicer to send it to, since Roundpoint apparently believes they are not servicing my mortgage. 

I am in a bind where I have to pay my mortgage, that I know Roundpoint needs to accept my payment, but Roundpoint is not willing to accept my payment. I ca n't pay my 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 2021-08-16
Company: EQUIFAX, INC.
State: NJ
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:
Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX XXXX which owns XXXX XXXX, and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXXs payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ERC, the collection agency have sent me " an attempt to collect a debt ''. They claim I owe to XXXX which is not true because I always do my payments. It is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-08-16
Company: Comerica
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Comerica to dispute a XXXX  charge on XX/XX/21. I was asked for additional information which I supplied in early XXXX. Comerica has not provided any additional, ongoing updates regarding the dispute, and in fact, another unauthorized charge came through from XXXX for {$620.00} on XX/XX/21. Why was my dispute not resolved, and why has a new, unauthorized charge been allowed to come through from XXXX I was told that they would no longer be allowed to charge my account??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I applied to Chase for a short sale of my home which has a troubled mortgage due to repeated unemployment. The decision on XX/XX/XXXX was non-approval for the reason " The property is n't occupied by the owner and has been rented for more than XXXX year. '' I had left the area for a business opportunity, returned, had a XXXX day gap between when renters would leave and when the buyers wanted to close and had no knowledge during the XXXX month long application process that I would have needed to occupy the home. The non approval has killed the sale and almost ensured foreclosure. I was told by the representative at Chase that the HAFA program, which allows short sale of a tenant occupied property, ended in XX/XX/XXXX. I believe that is no correct and that the XXXX deadline is XX/XX/XXXX and that Chase had an obligation to consider me for this when short sale was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: TD BANK US HOLDING COMPANY
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have an unauthorized inquiry on my credit report from TD Bank USA / Target C. 

I have never done business with nor inquired information or submitted my personal information with the companies referenced above and therefore do not authorized a hard inquiry on my credit report. 

I am on and have been on XXXX XXXX military status and can confirm I did not submit or approve these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Ive received a number of collection calls from Chase, number XXXX. It appears this is in regard to my checking account, which has been overdrawn since XXXX. They have placed a block or restriction on the account prior from using mobile deposit, I do not have any local branches near me, I am only able to make a mobile deposit into savings. As you can see they make the matter difficult to resolve. They also charge extended overdraft fees as well as make harassing calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my father passed away, my husband passed away the my mother passed away. chasefinancial want me to pay for a home my mother stayed in for 2 years and continue to pay until her death. My mother lived in an undesirable area of XXXX NC. She wanted to move so we found her a condo. After about 2 years she could not live alone, so she lived with my husband and I. she continued to pay for her condo until she passed away XXXX XXXX, 2014. I send Chase the death certificates for both my mother and husband. and explained I would not be able to pay for the home, because, both responsible parties had now passed away. They send me a entire packet to apply for a loan to transfer the mortgage into my name. I call them and was informed they could not talk with because I was not a responsible party on this loan. I received letter ever week and I would call they would say the same thing .The letters all say the Estate of XXXX XXXX and the Estate of XXXX XXXX XXXX . Then all the calls started and I till the same thing on the phone. Then the letters started coming with owner XXXX XXXX @ XXXX XXXX XXXX, XXXX NC XXXX. When my Mother moved with her mailing changed mailing address to ours. The address for my Mother was XXXX XXXX XXXX, same city. I wrote XXXX letters to Chase, Talked to so many people, but the end result is the same I can not pay for a property that is not mine. After all this talking XXXX XXXX bank called and said I owe over XXXX dollars on the overage account of my Mother and me as a responsible party, after know she was dead the continued to take money out of the, because I was alive and no liability on Chase 's account but on the bank. I can not afford a lawyer I live on a small amount of money. Please help I know some about this is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: CO
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 XX/XX/2021 I sent a dispute to remove outdated information on an account that is paid. Although they removed the payment history that was over two years old, the Payment status was not corrected, it is still reporting Late 60 days. This is incorrect information and needs to be corrected to Paid or current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To whom it may concern, There are unathorized inquiries on my credit report. These are inquiries that I did not make, and I did not go to these companies and apply for anything. Someone stolen my identity, and applied for these things. Please remove these inquiries. 

XXXX XXXX XXXX Inquiry : XX/XX/2020

Company response to consumer: Closed with explanation