BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: Residential Bancorp
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Im very hurt with bluebird card I have over {$11000.00} available to my account. I was supposed to get a new place and pay bills and car I went to the atm to withdraw some cash and I received an email saying that my account is suspended. Theres no number neither email To contact. They want me to send a mail to Georgia. Im XXXX  today because of bluebird American Express. It hurt. Im in pain. 
I havent done nothing to have my account suspended I have been with this business for more than 6 years. I dont even have $ $ $ to eat food. 
Please help me put

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2021-08-25
Company: ALLY FINANCIAL 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:
Ally Financial is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). Documents are attached to this complaint

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 2016-06-17
Company: Oak Harbor Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A writ of garnishment on my bank account was issued by XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Immediate Credit Recovery
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
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:
XXXX XXXX XXXX is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

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 2015-06-17
Company: Stellar Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Franklin Collection Service, Inc.
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Trying to collect an XXXX phone bill that I never had. I went through this a year ago with another debt collector. This charge had been attached to my credit report but was expunged by XXXX. I do not want to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
XXXX, XX/XX/XXXX. {$21.00} past due amount. Called Navy Federal to let them know that wife and I got XXXX XXXX  XXXX  and were extremely XXXX  and completely forgot to make payment on my checking line of credit. We were pretty much XXXX  for over a month and was unable to even go to work and at the same time my wife had been unemployed for over a year ( starting XX/XX/XXXX ). We have so far made all the past due payments and I called them and explained to them the situation and to ask them to remove late payment from my account but they said they are unable to do so even if I explained to them that were were affected by 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 2021-08-26
Company: Global Lending Services LLC
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:
Global Lending Services is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been trying to pay what I can and sometimes that is nothing but repeatedly have been telling me that is not enough and that if I do n't pay what they want me to pay a month then they are going to take me to court and garnish my husbands wages over {$600.00} a pay check! 
I also asked them to not call my husband and I at our jobs and they continue to do so. I even gave written notice to stop. 
Now I get a letter in the mail about a judgement and I only missed one payment.

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 2016-03-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I contacted my financial institution ( Chase Bank ) to report my stolen personal checks and to file a fraudulent check claim and Chase refused to send me an affidavit and failed to take any information regarding my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Contacted creditors & bureaus 50 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2017-01-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We called Chase to refinance our home and cash out on XX/XX/XXXX. We were told that we could get {$75000.00} cash out and Chase would have to pay XXXX credit cards off and we would receive that remaining cash. Chase said our credit was fine, and that an appraisal would be ordered. The appraiser came on XX/XX/XXXX. On XX/XX/XXXX, Chase stated the loan was denied due to Underwriting. First they said it was because we owed {$92000.00} in old business debt and we sold the business XX/XX/XXXX and had no remaining debt. And then they came back and said it was because the debt to income ratio was over XXXX %. They never said a word about debt ratio being high. Why would Chase Home Mortgage waste {$500.00} of my hard earned money before ever having the refinance reviewed by Underwriting. This is the second time Chase Home Mortgage has collected money for an appraisal upfront without review. They did the exact same thing to us XX/XX/XXXX. They hastily order expensive appraisal before allowing Underwriting review first. I want my {$500.00} refunded. This is corrupt. They know exactly what they are doing. If this has happened to us 2 times in 4 years they are banking a huge sum of money from consumers. Why would you waste consumers ' money if you had not reviewed the chances and requiremenst of Chase Mortgage before hastily ordering appraisals. And by the way we have over {$140000.00} in equity in our home and do not have derogatory credit. There is no excuse to be charging us money for an appraisal only to waste my time and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit determination

Complaint:
This involved Chase Bank and their routine customer practices. 

I recently opened a personal checking account with Chase Bank. In the process, a prompt popped up on the computer screen stating that I have been pre-approved for a credit card. The banker then tells me this information and asks me if I would like to open a credit card. I say yes, understanding that I have been pre-approved, and then the banker asks which credit card I would like. The banker shows me a list of credit cards that range in approval odds and rewards. 

I suspect that Chase Bank is deceiving their customers because a day prior, I applied for the lowest tier credit card with Chase Bank was was denied instantly. It does not make sense that I would be pre-approved to open a credit card from the same institution that I got denied one from. 

After talking to several bankers, friends, and acquaintances, I was informed that this message is displayed to all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have recently opened a Southwest Credit Card with Chase. As I opened my account and set up payment options online, I have initially by mistake chosen minimum payment on auto payment option which I realized after the first billing cycle. Immediately after realizing that, I changed my auto payment option to full payment and contacted Chase to see if they can waive the interest fee that was charged on the account since I only paid minimum requirement. The call center representative was not cooperative at all on the phone and did n't waive this fee when banks that I used credit card before had been cooperative when I had a similar issue before. Since then even if my full balance amount was deducted through auto payment, I continued to accrue interest rate which suggested me that the auto payment option was not paying my full balance and interest continued to accrue. I recalled the call center to explain the situation and the representatives were n't cooperative again. I will be closing my account with Chase but since this will impact my credit report, I wanted to file a complaint about this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: Circleback Lending, Inc.(Closed)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My problem with Circle bank lending is with the discouragement of making extra payments on your loan. They charge a XXXX Special payment fee for anything other an EFT. There website does not provide any ability to make an extra payment. In addition they do not report accurate information to the credit bureaus I have had my loan for 1 year and according to my XXXX credit report I have only paid 3 months ( no lates ) -

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX XXXX {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Social Finance, Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i submitted a complaint with XXXX  on XX/XX/2021 and they sent me an email stating that This complaint lists someone the company does not recognize as their customer or their customers authorized representative. I am personally filing this complaint. I am authorizing this complaint on my own behalf. I am resubmitting my complaint again as i am a victim of identity theft. I am also including the laws that state your responsibility and take my complaint seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Lobel Financial calls me, at minimum, once a day, usually more than once a day. I have told them repeatedly that I am not the person they are looking for so now they call and simply hang up when I answer. So I tried calling them back and speaking to their joke of a legal department and customer service department just to be continually told that they can not remove my number from their system because I can not tell them what account number it 's attached to. Apparently I am supposed to do their job for them????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Nevada Credico, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
- A XXXX office erroneously sent a debt i never owed to a Quantum Collections in XXXX XXXX, NV - When XXXX tried to collect this debt i told them that this was an error and to contact the XXXX XXXX 
- The XXXX office told them that this was indeed an error and to remove the collection from all credit reports. 
- Quantum agreed to remove this collection but never did - Quantum proceeded to report a collection to all three credit agencies - I have a perfect credit report other than this XXXX collection - I have attached a letter from the XXXX office admitting to the error and asking for any investigators to call them for verification. 
- Quantum contact info is Quantum Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by XXXX XXXX XXXX VA from a collectiont through a collection agency. They had my first name mispelled and an address I didnt know. I filed a police report with my local police and gave the police number to XXXX XXXX. I explained I have never lived in XXXX and have lived in XXXX the past three years and XXXX for the prior 6 years. XXXX XXXX wanted my tax returns for the past 6 years and on the advise from my local police I refused. I asked XXXX XXXX for any evidence other than my social security number on this account that this account was mine for example past payments, copy of drivers licence ect., but the firm refused. The collection agency is calling me weekly to insist I pay the balance that isnt mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I WAS DENIED FOR ANY OPTIONS TO BRING MY LOAN CURRENT. I HAVE BEEN TRYING TO GET A LOAN MODIFICATION OR REPAYMENT PLAN BUT THEY ARE JUST DENYING ME AND NOW HAVE A SALE DATE FOR XX/XX/XXXX. I HAVE BEEN STRUGGLING TO KEEP UP WITH MY MORTGAGE PAYMENTS AFTER MY DIVORCE IN XX/XX/XXXX AND LOSING HALF INCOME CONTRIBUTED TO THE HOUSEHOLD AND BUSINESS SLOWED AS WELL.

Company response to consumer: Closed with explanation