BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-23
Company: CHARLES SCHWAB CORPORATION, THE
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Machol & Johannes, LLC
State: MT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Colorado XXXX XXXX XXXX requested a garnishment judgement on a time-barred debt. The credit card debt is from XX/XX/XXXX they filed a law suit for garnishment of my wages on XX/XX/XXXX past the statue of limitations of 10 years. I contacted the General Sessions Court-Civil Division in the State of XXXX. They indicated that the Law offices representing XXXX XXXX did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX I still have not received debt validation. I believe this was a case of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: BARCLAYS BANK DELAWARE
State: CT
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:
Submitted a charge-back [ In XX/XX/2020 ] for a purchase [ made in XX/XX/2020 ]. XXXX Barclay ( Mastercard ) has denied the charge-back multiple times now, each time with a different excuse. 
The purchase was a countertop with a specific design, the vendor ( XXXX ) came with the wrong design. I contacted the vendor and they claimed they don't issue refunds, and if I'd like I can go to their warehouse and pick up the wrong item. 

I contacted XXXX Barclay ( Mastercard ) and submitted a claim. They closed the claim multiple times for different reasons. Culminating in a final notice stating that there is nothing else they can do, but if I'd like, they can call the vendor ( XXXX ) for me to try and get a refund, but they will not be approving the chargeback.

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 2017-01-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: ALLY FINANCIAL INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I received a notification that Ally reported to the Bureaus that my load was paid and previous balance was outstanding. This dropped my score by 28 points not positively impacting my credit.Our loan with Ally had been perfect never late.

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 2015-10-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE BEEN FIGHTING TO SAVE MY HOME FROM XXXX XXXX XXXX NOW THEY HAVE TRANSFERED IT TO BAYVIEW LOAN SERVICING XXXX .I HAVE SENT ALL INFORMATION AS REQUESTED THROUGH MY ATTORNEY HAVE VERIFICATION FROM BAYVIEW BUT ON BAYVIEW WEB SITE I NOT EVEN IN THE SYSTEM WITH THEM.I HAVE THE UNDERSTANDING THAT WHILE A MOD IS BEING DONE FORCLOSURE SALE CAN NOT TAKE PLACE UNDER DOD FRANK.MY HOME IS SET TO BE SOLD XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2015-05-28
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was looking for a furnished apartment in XXXX to rent for summer. We are a military family and are being moved to XXXX so we wanted to spend summer in our hometown - XXXX XXXX, XXXX. I saw a furnished apt through XXXX and contacted the owner. He said he would rent me the apartment through an agency ( XXXX XXXX XXXX - using the XXXX logo ). He asked me to wire 1 month rent and 1 month deposit for a total of {$1300.00} plus {$100.00} to wire the money for a total of {$1400.00}. Since the transaction, I have not had any kind of answer from him or the supposed XXXX agency. I believe this is a scam I called Western Union but was told they could do nothing because the money had already been transferred and taken in XXXX, XXXX on XXXX/XXXX/2015. 
Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Fairway Independent Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Been trying to work with XXXX since XX/XX/20 to start a loan process. Several emails and phone calls have been made to him to start the process of a possible $ XXXX {$75.00} mortgage we discussed back in the beginning of XXXX. He needs " documentation '' and was to send a list of what he needed last month. I have yet to get this and have left two voice mails and several cyber messages and a text. I have yet to get a response. It has been three months. The house I rent is willing to sell and keeps asking. I even have DPA ALREADY approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIBANK, N.A.
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:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE STOLE MY INFORMATION TO OPEN THESE FRAUDULENTS ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX   CRAS. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2015-09-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I tried to obtain my free annual credit report on annualcredit.com and was asked questions about a mortgage and credit cards that are n't mine and was denied my online credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX sent me money via PayPal. We both have accounts. She sent it using my cell phone which is listed on my PayPal account. I got a text message from PayPal saying click here to redeem your money. When I click I am prompted to log in. But when I log in, the money is nowhere to be seen. I have tried several times over several days to no avail. I have contacted PayPal twice via email and they do not respond, forcing me to file this complaint as my only remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THESE ACCOUNTS LISTED WERE OPEN FRAUDULENTLY THEY DO NOT BELONG TO ME SOMEONE STOL MT INFORMATION TO OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2020-08-17
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification dated XX/XX/20 from Flagstar Bank that my homeowner hazard insurance had expired and that they would force place insurance unless I provided proof of insurance. 
Their statement is inaccurate as I have continuously had insurance from the origination of this loan through XXXXXXXX/XXXX. Further, the mortgage servicer has been paying the insurance premiums through escrow.

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 2016-12-28
Company: Prosper Marketplace, Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I took out a loan of {$12000.00} with Prosper Loan, and we agreed that they would take {$600.00} in advancethat is to say, I only received {$11000.00} in my loan. The interest rate was 7.91 percent. 
They were going to charge me {$370.00} on the 20th of each month to cover the minimum payment, which was {$290.00} going toward the principal and {$78.00} in interest, for A TERM OF THREE YEARS. 
I agreed, and I told them that I was going to make some extra payments as often as possible in order to pay off my account BEFORE the term was up. I asked them if the extra payments I would make would be applied to the principal, and they responded that they would. 

I took out the loan in XXXX, and the first payment was made in XXXX. Ive paid almost {$3000.00}, when in actuality I should have just paid {$1100.00} for the three months. 
They have not made the monthly reduction [ of the principal ] as we agreed, neither in XXXX nor in XXXX. That is, they keep on applying interest as if I havent paid, and according to them its because I made additional payments. But theyre also applying interest to the additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I already filed complaint # XXXX but need to add also complaint that original debtor refused to work with me when I called them. They said they no longer had an account # or any information on me and the collection agency they turned my account over to would not work with me either. So apparently someone sold the debt to another agency and now my credit report shows I owe XXXX different agencies XXXX different amounts for the same original debt. I was never even contacted by the XXXX agency in any manner. I had to go online to look up their name and phone number. I need to get this off my credit report. It has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: MO
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:
Customer service would not help and take care of the negative inquiries reporting to my credit report. 

XXXX inquiry date XXXX XXXX  XXXX inquiry date XXXX SYNCB/PAYPAL inquiry date XXXX

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 2020-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Bank XXXX America checking account earlier this year. When I saw online advertisement in my area for XXXX dollar checking account promotion I wanted to open a an account. I opened that account and satisfy all requirements, and the bank has Repeatedly agreed that I met all requirments to receive promotion. 

Through my many efforts and phone calls I have not received my credit due. I logged a complaint with the bank, but no one followed up.

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 2017-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/17 at approximately XXXX I attempted to deposit {$1200.00} in cash at a Chase ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. I performed XXXX separate transactions, the ATM dispensed a receipt that stated " The ATM has experienced a technical problem '' to confirm your deposit was completed properly, contact a Chase representative. I called the bank, representative initiated a claim and said I should have an answer within 12 hours. The following day I received an email from Chase that my account had been credited. I logged into my account and did not see that funds had been credited to my account. I called and was told they were still investigating, and would notify me in 3 business days. I explained I needed access to the funds but was told I had to wait until they completed the investigation. I asked to speak to a supervisor and was transferred to XXXX in the Claims Escalation Dept. XXXX provided the same response. I explained to XXXX that I was entitled to full use of the funds during the investigation. XXXX stated I was not entitled to full use of the funds, I told him Chase was required to provide me with access to the funds. I reminded him of the Electronic Fund Transfer Act and informed him Chase could be liable for penalties for not complying with The Electronic Funds Transfer Act. XXXX again said they were not required to provide me with access to the funds I attempted to deposit. He said it was up to Chase if they wanted to provide credit as a courtesy and they would respond to me within 3 days. I visited the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA and spoke to XXXX XXXX, XXXX XXXX was sympathetic to my concerns and immediately made some calls. The person he was speaking to told him they have had technical issues for the entire month of XXXX and because it was a technical issue they were not required to credit my account until the investigation was complete. I then asked her if all the other customers who have had this problem in XXXX had n't been credited as well. She said they did not receive access to the funds until the investigation was completed. XXXX XXXX asked her how many ATM Machines had experienced this problem and she said she could not say. XXXX XXXX contacted the banking office where I performed the transaction, they mentioned they had not received an email from the claims dept in reference to my claim. XXXX XXXX asked the branch to dispatch the service company to check the ATM. He gave me his card and offered to waive any fees if I was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted documents to Equifax showing that I filed for a Chapter XXXX bankruptcy that has been XXXX. Equifax reports that my bankruptcy is a Chapter XXXX and refuse to update their records. The bankruptcy was filed on XXXX 2008 so it should be removed from my bureau. XXXX and XXXX have deleted it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Jim Bottin Enterprises, Inc
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Incessant calling. Sometimes 5-6 times in an immediate row. Consistent badgering voicemails and letters stating they would damage my credit by sending me to collections. It's {$50.00} bucks or so. I changed my debit card number, and they could no longer auto-charge after telling them I wanted the membership closed. I filed multiple complaints with the XXXX. Other consumers are experiencing the same thing. It has been a huge mistake working with this company. The only way that you can even get out of a contract with them is if you show a surgeon 's letter stating that you are permanently disabled to get out of it. Horrendous. They must be reported for constant harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have on my report a previous address of XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX and I never lived there. I did however live next door at XXXX XXXX XXXX. I disputed this on experien and they updated it as still being XXXX of my previous addresses. I also have XXXX more wrong addresses on my file that I just disputed. XXXX XXXX XXXX XXXX  in XXXX and XXXX XXXX XXXX in XXXX. Both in NJ. I would like them taken off my report please and 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 2020-05-16
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/20 VANCE AND HUFFMAN LLC I have never done business with nor did I have a written agreement to make any payment to them. Company is stating I owe them {$1100.00}.

Company response to consumer: Closed with non-monetary relief