BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-17
Company: Social Finance, Inc.
State: AL
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:
Hello, We have a personal loan with SoFi and in late XXXX & XXXX were unable to make some of our loan payments. We let SoFi know that we were struggling due to my job loss and we had never been late on any other loan ( please see credit report for confirmation of this ). We tried to dispute this through each credit bureau to no avail. Weve done this multiple times but each time SoFi does nothing to remove the 3 negative late payments on our credit report. I have been able to get a couple jobs in my industry throughout COVID however there have been many layoffs. SoFi has allowed us at least twice to pay less than our full payment, which has helped but at this point they said there is nothing more they can do for us, even though I lost my job last year. The last time I spoke with a representative at SoFi I asked her am I supposed to pay you instead of my mortgage and groceries? in order to not have another late ( s )? She basically shrugged my statement off. Now I am blessed more than many others in this country and around the world that my husband does work, however we still cant pay our monthly bills without me working as well. I have over {$90000.00} in student loan debt to pay, etc, etc. I need SoFi to do the right thing and remove the lates it is showing erroneously on our credit report. This company has been terrible to work with and does not have the consumers interest at heart. If this is happening to myself, I can not imagine how it might be affecting other families out there who are struggling to maintain their credit scores but keep food on their table.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my EverBank mortgage, closing on XXXX/XXXX/16. On XXXX/XXXX/16, I cancelled my mortgage auto-debit payment from my EverBank checking account so that EverBank Mortgage would not pull my XXXX 2016 payment ( and I received a confirmation from EverBank Mortgage that auto-debit was cancelled - SEE ATTACHED ). On XXXX/XXXX/16 EverBank Mortgage, even though UNAUTHORIZED to do so, pulled money from my EverBank checking account. I called EverBank right away. " XXXX '' told me that they could pull the payment without it being authorized because the payment was due XXXX XXXX. I told her I had a grace period until XXXX/XXXX/16 and that the loan would be paid off by then. She said that did n't matter and said she would not reverse the UNAUTHORIZED debit amount back into my checking account. She said that if there was any money coming back to me they would mail it to me in 29 days. I told her that was unacceptable and that I wanted to money returned immediately back into my checking account. She refused and I still have not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I have told these people many times that they are reporting inaccurate information on my credit report. I have told them different laws that they are breaking and they still have not done a thorough investigation into this information. If this continues, I will seek monetary compensation for the pain and suffering that this is causing me as well as for every FCRA and FDCPA law that they are violating. Please remove this account completely from my consumer report immediately. XXXX has already removed it.

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 2022-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is another complaint against Capital One Bank. I had a Capital One Visa card for years and sometimes put XXXX of dollars a month on it. The interest rate did not matter, for I always paid the entire statement at the end of the month. After two incidents with the XXXX XXXX XXXX division of Capital One, I closed the account with a XXXX balance. Nevertheless, Capital One allowed a charge after the closure. ( It took three notifications to close the account. ) I eventually paid the charge placed on my statement after I closed the account. My check arrived before the cutoff date. Nevertheless, I got still another statement from Capital One for {$4.00} for interest incurred during the mailing time. In other words, I am never to be clear of debt from Capital One. 

Ironically, during this time, I have received four or five notices from Capital One that I am pre-approved for a Visa card. No thanks! I would advise anyone seeking a credit card to look anywhere but with Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MN
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:
I submitted the files requested by Experian by mail and fax to dispute the inaccurate reporting they continuously allow. An FTC report was submitted, a 609 dispute letter was submitted, as well as a verification of investigation dispute. According to the Fair Credit Reporting Act, federal law gives ( 30 ) thirty days to re-investigate and delete any inaccurate or unverifiable information. Experian has exceeded the allotted time to handle this inaccurate reporting and hasn't handled the manner in a professional or legal manner.

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 2022-04-17
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX - XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2015-09-04
Company: DHI Mortgage Company
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of purchasing a new house with XXXX XXXX and elected to use their mortgage company, DHI Mortgage as the lender. In starting the application I was given a number of forms to sign electronically, however, when it came to collecting the documentation to substantiate my qualification for the loan, the loan officer told me I could email my information or fax it. 
When I was inquired about a secure upload since I was being asked for bank statements, tax returns, pay stubs, etc I was told to just encrypt the PDF. I would feel more comfortable with a dedicated secure upload. 
For the average consumer it would not occur to them that email is not the most secure way to send the documentation and most are unlikely to think about encrypting or otherwise protecting their information. At this point it has taken significantly extra time to submit the documentation since I know have to locate the documentation, print and then arrange for use of a fax machine which is very costly if I elect to go to a print shop or other commercial provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
This is in regards to JP Morgan Chase. A lien was paid off in XX/XX/2016. The lien was never released. We now own this property and are trying to sell the property. The new buyer walked because they can not get clear title as this lien is still showing open. A lien should be released 60-90 days from payoff date. No one at JP Morgan Chase can give me any kind of update as to why this was not released. I have been trying for almost four weeks now to get this released and all they say is it 's being expedited. This is unacceptable. It has been seven months since this was paid off. It does not take this long to get a lien release. In fact, it 's illegal. They are preventing me from selling my property and now have made me lose a sale. I need to file a complaint as this again is illegal and unacceptable. I have spend numerous hours on the phone with them including right now as I am typing this. Totally illegal. Their website states it will release a lien within 60-90 days. Someone needs to be held accountable for this and do their job at the mortgage company. Crazy how I can payoff a loan for over {$100000.00} and not get what is due to me in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: BROKER SOLUTIONS, INC.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I honestly dont even know where to begin with these people. They were so incompetent and unhelpful through the process it made the whole experience a living nightmare for me and my family. They were not open or up front about anything, they changed what was expected so many times I lost count. Could not provide me any clear answers to any questions along the way, did want to do their job because they stated they werent getting paid enough. I didnt have even a single day where I can say it was a good experience. And if everything they did was even legal, Ill be shocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this company put a debt in my credit report, but I did not know about the debt either the company.When I called them they talk about a t mobile bill I had 9 years ago.This bill was on my credit report before, I disputed with the credit bureau and they removed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I was a Chase credit card customer and there was fraud on my account, and Chase employees did not shut my card down after I informed XXXX different people it was compromised. This made the cards vulnerable for additional fraudulent charges, which did go through. Instead, Chase acted only after the CFPB became involved XX/XX/XXXX of 2015. Chase retaliated against me by closing all XXXX my credit card accounts. Ironically, I won ALL of the fraud cases, so by Chase 's own admission, the transactions in question were not made by me. I had never been late on payments on any of the XXXX cards at the time that Chase closed my accounts in retaliation. However, they shut down my ability to make payments on the closed cards, and multiple Chase employees on the phone and XXXX in the XXXX Texas branch REFUSED to accept my payment on XXXX XXXX, 2015. I overnighted a check to Chase, and they signed for it on XXXX XXXX, XXXX the due date- but they failed to post it to my account for nearly two weeks, resulting in finance charges and late fees and damage to my credit file. Chase orchestrated the entire situation of refusing to accept my payments and intentionally held the mailed check past the due date in order to profit off of me by way of finance charges and late fees. Chase also retaliated against me in XXXX of 2015 for reporting them to the CFPB after they failed to protect me from fraudulent use of my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TN
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:
15 U.C Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S .C 1681 Section 602 A States I Have the right to Privacy 15 U.S.C 1618 Section 604 A Section 2 it also states a Consumer reporting Agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My accounts were closed due to me being " a risk '' for the bank. I was told I'd receive a check and still haven't got my money almost 3 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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  XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX XXXXccount Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX SELF-REPORTED Account Number : XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Other financial service
Sub-product: Check cashing
Issue: Excessive fees

Complaint:
I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX I attempted to purchase a sample product from the XXXX XXXX cosmetic line. When I completed and submitted my information, the notification indicated the company as XXXX XXXX. When I realized I was taken/defrauded there was no way to cancel the order. The initial charge of {$4.00} was charged to my credit card. Ten days later I was charged {$98.00}. I contacted Chase and notified them of what happened and directed them not pay the charge. I was assured the charge would not be paid. However, after five months of waiting on the credit and calling every month, XXXX XXXX at Chase indicated I had to start the process all over again and submit my issue in writing. Since XX/XX/XXXX I have spoke to XXXX different Chase employees and I was told each time that they were sorry about their error and assured me the credit would be posted to my account. Now five months later I have to start all over again. When I asked to speak with someone in Management, XXXX informed me that management does not speak to Chase Card holders and he had the final say - which was start the process all over again. After five months of explaining what happened and Chase employees assuring me the credit would be apply to my account, why did Chase lie to me? XXXX XXXX made it very clear that Chase has no intention of assisting me in this matter. XXXX has all my information. XXXX can directly come after me for reimbursement if they truly felt they had a case against me. However, with Chase paying these erroneous charges, it only supports these companies scamming consumers. Once again, Chase refused to honor my request and paid this charge. I should not be held responsible for this charge. Chase should have honor my request not to pay this charge and my account should be credited {$98.00}.

Company response to consumer: Closed with monetary relief