BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received a call from Chase Bank on XX/XX/31 regarding possible fraudulent transactions that they caught. I told them that those transactions were not me and they marked them as fraudulent. I was told by the worker that my debit card would be deactivated and that a new one would be sent to me in 2-3 business days. On XXXX I had not received my new card, and needed to buy groceries, so I went to a Chase branch near my house and withdrew {$50.00}. After I got home from the grocery store I checked my bank account and saw that someone, who was not me, had called Chase and transferred {$1400.00} out of my savings account and put it into my checking account. Then, {$1300.00} was withdrawn from my checking account at a branch and two ATM withdraws ( one for {$240.00} and another for {$260.00} ) were also completed. These transactions were done in XXXX, Georgia ( I live in XXXX XXXX, Ohio ). I immediately called Chase and filed two claims, one on the {$1300.00} through their Check Claims Department and another for the two ATM withdraws with their regular Claims Department. Once the claims were filed, I had Chase freeze my checking account until the claims could be completed. After my conversation with the claims departments, I noticed that the {$600.00} from the ATM withdraws was put back into my checking account. On XXXX I received a letter from Chase in which they said that my {$600.00} claim was denied. When I asked for the reason, I was told it was because the new debit card that they were sending me was compromised in transit and whoever got it managed to also get my PIN number. I never received the replacement card and changing the PIN number was never offered to me during the initial phone conversation on XX/XX/31. I explained to the Chase worker that those withdraws could not have been me because I was in Ohio at the time, he told me that I would have to submit " supporting evidence '' that I was not in XXXX at the time, even though Chase has a receipt for my {$50.00} withdraw that I completed at a branch on XXXX and signed for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-23
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
A family member and I were involved in a car accident, late 2021. A man clipped us and pretty much totaled the vehicle. While trying to figure out to handle that, a family member insisted I follow their lead and took me to a dealership that cold called them. They set us up with a used SUV with an almost 30 % interest rate and $ 700 monthly payment. The dealership put my family member 's yearly income as mine, the family member is nowhere on the paperwork as a co-signer, and then they proceeded to hit my credit multiple times until a finance company gave the details of the interest rate and monthly payment above. Blindly following the advice of the family member above, ( who later admitted they didn't know what they were doing either ), I was bamboozled. I've tried over ( 2 ) six month periods to refinance this car with my correct information and I've had no luck. It's like NO ONE wants to deal with this car. And now knowing that the terms of this deal are horrific, I want out. My credit has been hit REALLY hard and I just want to be made even.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: CCF Intermediate Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online at lendingcashexpress.com for a personal loan. I received call from XXXX XXXX XXXX that I was approved for a {$3000.00} loan. The person told me I needed to call XXXX to receive my loan. I called XXXX, and spoke to XXXX. XXXX told me I had to satisfy a verification process in order to get the loan by paying {$150.00} on an XXXX Card. He mentioned that since they do not pull credit, this is how the company checks that you are qualified to pay back the loan. He also sent me a Loan Agreement for the loan. XXXX told me the {$150.00} would be refunded back to me by the Company paying me {$3100.00} for my loan. I paid {$150.00} for an XXXX Card to satisfy the verification process for the {$3000.00} XXXX. After I paid the verification, XXXX gave me the phone number XXXX to call to get my loan. I spoke to XXXX XXXX at XXXX and he said I would have to pay an additional wire fee of {$300.00} to get my loan. I either want my {$150.00} back or my loan of {$3100.00} which includes reimbursement of {$150.00} XXXX card. The Company should have told me all the out-of-pocket charges of the loan I would be required to pay upfront to get the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
The loan was paid off on XX/XX/2021. The company was overpaid by by {$31.00} ( refunded ). The company also received another over payment ( GAP Insurance Refund ) in the amount of {$990.00}. I have been told numerous times that this amount was already refunded and mailed back. I called multiple times requesting updates, but each time I get the run around and a different answer. I eventually escalated to a supervisor who was extremely rude and only frustrated me beyond words! This is a pandemic and Hyundai Motor Finance should know better. I could have used this refund to assist with my mortgage! They've been in receipt of this money for over a month now and have yet to refund. I have to call two additional times after today 's interaction just to get a proper escalation!

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2022-08-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unbeknownst to me my mortgage was transferred to another company. It is called Select Portfolio Servicing Inc . I was on auto pay with the prior mortgage company so I never opened the statement envelopes. I had always paid ahead and on time. I realized when my XXXX payment did not clear and I called that I had been transferred. 
I tried to go in to call SPS for an account number to get set up online. The 3rd party letter did not transfer from the prior mortgage company to the new. XXXX did that online. When I tried to make a payment it would not accept my bank. I have many autos coming out of this bank but this company would not accept it. I called and was told to make a payment over the phone they charge {$15.00}. That is rediculous. I am a first time customer. They wanted me to go through the bank and wire it. This cost {$35.00} and I feel a ridiculous response. So I contacted the XXXX  and SPS responded with some off the wall none relevant response. 
Because I am behind now and afraid they will take my house away, I opened an account with a new bank and attempted to go in today to make a payment. Even with this new bank I will be charged {$15.00}. 
Everything in the world is online now. I refuse to pay {$15.00} dollars a month to make a payment online. I refuse to set up auto pay until I have a better understanding of this company and feel confident enough in it. I unfortuantely had been through a horrible experience with XXXX XXXX  XXXX  so my confidence in them is very low. 
I call to try to pay over the phone and was told they would wave only this month but from now on it will be charged {$15.00} amonth. I NEVER agreed to this in any prior mortgage and they should not be allowed to add this fee without my consent. And now after this last phone call, being told I am delinquent with a terrible tone, and she hung up on me I feel this company is taking advantage of costumers. They should not be charging {$15.00} a month just because I want to press the button to send payment. I understand {$15.00} does not seem like a lot but right now I am sure you, as well as the entire world knows {$15.00} is A LOT right now. That is a gallon of milk and bread for my kids.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Entertainers at a club got my wallet and charge several cards over $ XXXX. XXXX out of XXXX financial institutions credited the money back acknowledging the fraud. JPMCB ( Chase Bank ) refused to return the money that was charged without my authorization. I disputed it with them and they did an investigation. This investigation did not include acquiring a statement from me. The business who committed the fraud supplied credit card receipts which had scribbles as the signature that do not match my drivers license or passport signatures which I supplied to Chase at their request to no avail. I disputed the charges with them multiple times. They sued me and in court they could not supply adequate evidence so they dropped the suit without prejudice which means the account will stay on my credit. Ive uploaded a signed letter from the judge showing they filed a non-suit and backed out of suing me because they couldnt supply the necessary evidence to obtain a judgement. I have tons of evidence supporting my case. Ive disputed the account on my credit report and XXXX will not remove it because Chase keeps saying the information is accurate which it isnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: FL
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 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 explanation
Consumer complaint received 2022-10-23
Company: Grain Technology, Inc.
State: SC
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a treadmill using Affirm financing. The treadmill purchased went through a recall and was returned to the company in XXXX of XXXX. The treadmill company sent Affirm the refund and the loan account XXXX was adjusted on XX/XX/2022. Affirm refunded {$1800.00} to a card I have on file. I was then told the remainder of the refund amount totaling {$1400.00} would be sent to me by check. This was on XX/XX/2022. They asked me to confirm my mailing address, which I did and they then informed me that I should have the check in XXXX business days. 

On XX/XX/2022 I reached back out to let them know that I had not yet received the check. I received the reply that stated After further review, I can see on XXXXyou were sent a refund check in the amount of {$1400.00}. At this time, we are working with our refunds team to locate and verify the status of this check. Once located, they have the ability to void it and issue a new check in the same amount to the address we have on file. 

On XX/XX/2022 I was told We received a response from our Customer Refunds team. They have voided the previous check of {$1400.00}. We are issuing you a new check. Please allow 7 to 10 days to receive this check. Our checks are sent via United States postal Service ( USPS ), so no tracking number is available, but I assure you we are getting your check to you as soon as possible. 

The date is now XX/XX/2022 and I have still not received this refund check to my mailing address on file that is confirmed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: EQUIFAX, INC.
State: SC
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Freedom Mortgage Company
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I originally submitted a complaint with the CFPB and the mortgage company responded. 
Freedom Mortgage took over 5 months to close my STREAMLINE refinance ; that complaint has been addressed. However, now after closing my loan with them I am still experiencing issues as follows ; The company did finally close my loan on XX/XX/1920 but did not transfer my existing escrow account to the new loan in the amount of {$3300.00}. Instead, they told me that it would be refunded to me and they charged a year of taxes and two months of escrow on the settlement statement. In addition, they did not deduct my last payment from the payoff either which was {$1500.00}. Therefore, my loan amount was increased on the new Streamline loan from the original amount quoted making the difference in my new payment of the streamline mortgage negligible. ..hardly worth the frustration of the FIVE months they took to complete the refinance. NOW, no matter how many times I have called in to their escalation department and email XXXX XXXX XXXX, regional loan supervisor with copies to XXXX XXXX loan supervisor, AND XXXX XXXX XXXX the address has not been corrected to my mailing address. The settlement check was sent to the property address instead of the mailing address IN ADDITION, I have not received the refund from my escrows or the XXXX payment which was not deducted from the payoff. I was advised by the escalation department in one of my four calls that the unused escrow amount totaled {$3300.00} and the XXXX payment was {$1500.00}. Today I called in again and before the transfer was dropped to the escalation department, the Freedom agent told me that the escrow check would NOT be received because it was applied to the new loan. That is NOT legal and it was not applied at settlement. Lenders can not close a loan and then collect AGAIN for escrows which will now exceed the aggregate adjustment on the settlement statement. I continue to email Freedom management they pass it off to the escalation department and nothing is correctly accomplished. Finally, on their site I was able to see that they charged me a fee in the amount of {$80.00} on XX/XX/20 ; I was not advised of this fee and do not know why it is posting. The customer service agent on the call today XX/XX/20 could not explain the fee. 
I need immediate help in this matter in order to obtain my a. escrow balance b. previous mortgage payment that was not deducted from the payoff. 
c. explanation and or recovery of the {$80.00} fee dated XXXX XXXX and finally a form so that I can set up ACH DEBITS for mortgage payments which is impossible to locate on their website. 
PLEASE HELP WITH THIS MATTER.

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 2022-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
On XX/XX/2022 I mailed Capital One 2 billing dispute letters. Capital One received and signed for the letters on XX/XX/2022. On XX/XX/2022 I received 3 letters US mail from CApital One that they were closing all 3 of my Cards ( 2 personal and 1 business ) because I violated the Capital One Customer Agreement. No documentation was included with how the agreement was broken. My business card was closed due to affiliation with my consumer name. 

I exercised my consumer rights by creating a billing error dispute per my rights 12 CFR 1026.13. 
Capital One did not complete nor acknowledge a reasonable investigate the billing dispute according to the law. Capital One is trying to collect on all 3 accounts. 

I called an spoke with the fraud department requesting my documentation and I was told that I the consumer and account holder " am not privileged to those requested documents! I would not receive them. '' Adverse Actions : *Capital One reporting 30 day lates to all three credit reporting agencies. 
* closed all accounts without my permission * failed to provide documents requested by the consumer. 
*failed to acknowledge billing dispute letter. 
XXXX XXXX XXXX Capital One has broken the laws governed by US laws in the FCRA.

Company response to consumer: Closed with explanation