BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
TRANSUNION states erroneously that Chaper XXXX bankruptcy that was dismissed/withdrawn is the same as a Chapter XXXX that was Discharged, and the Two concepts are completely different : as follows One shows the abdication of debts= discharge The other shows the LACK of follow through and should not be counted against you in a credit file. 


I should not bear the negative consequences of changing my mind ( due to bad legal advice in a divorce ) since it affects no creditors and the item should be removed and my credit score increased

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 2021-10-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This has by far been the worst mortgage loan servicer I have ever worked with ( Select Portfolio Servicing , Inc. ). They misapplied extra principal payments on my 2nd mortgage account multiple times and after 4 calls ( one about every 3-4 weeks ) after selling our home ( and the loan now being paid in full ) I still have not been able to get them to properly classify the extra month of principal payment ( rather than being applied as an unapplied payment and then moved to a future month interest payment. My monthly principal and interest payment was {$250.00} and I was paying an extra {$300.00}. This {$300.00} payment was made on XX/XX/XXXX and was treated by their " cashiering department '' as a payment due in a future month and their online site/mobile app showed that I didn't have a payment due until XX/XX/XXXX. My loan was paid in full as of XX/XX/XXXX and after 4 calls, I still have not made any progress with them. When I call, they say that my account has been paid in full and they can't find my account number. I have been on the phone for around an hour each time. It is beyond frustrating to waste so much time and get nowhere with these people. Even their managers just say that their " cashiering department '' is way behind and it will be another 3-4 weeks each time for them to respond or look into my request. I hope someone in a regulatory position can investigate this company for their unfair and likely illegal business practices to treat additional principal payments as interest and hold onto it and close out accounts that are paid in full upon sale/closing proceeds being paid to the lender to pay the balance in full. It is also noteworthy to mention their extremely poor customer service as I have never received a phone call, email, or letter explaining anything after my repeated calls to request them to look into their issues with how they account for additional payments even after their customers call them to look into issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

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 2019-02-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX,,, Continuing Issues,, Yes I Did Received A Response For This Matter On Same Day,,, XX/XX/XXXX XXXX,,, But it Was From A Previous Complaint,, XX/XX/XXXX In Question,,, Well I Did Speak To,, Mrs XXXX XXXX ,, about The Issues But She Is Asking For More Input About These Problems, ( Quote ), If Wells Fargo Bank Is the One Who Messed up All The Paperwork up In Past,, How Can I Fix This? Now,, They Have Alot More Work To Do,, If They Was Making Things Right For,,, Victims,, And Loyal Customs,, Then They Would Have Solve These Messy Problems Already,,,!!!! And Me And Mrs XXXX Talked About ClassAction Settlement Payments,, She Really Didn't Talk About It Much,, But She Told Me To Call The Claim Line,, So Did First Time I Called I Got Fax Noise,,, 2 Time I Called The Was Busy, for a Least 5mins,, So Hang up And Called Again, Fax Noise, So I Didn't Call Anymore After That,, Now This Was Doing the Time They Was Taking Claims,, ( XXXX ) In XXXX For ( Unathorized Accounts ) XXXX,,? Settlement,, So With That Been Said,, Do I Think They Did Enough Work,, No,, Should They Reconsider This Issue,,, Yes

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 2022-09-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Dear Sir/ Madam, I am a chase ultimate rewards customers. I used the pointed accrued to purchase XXXX XXXX Once I ordered, I came to know that XXXX product will be delivered only after 6 weeks. Since I was having a plan to travel to my home country, I called chase ultimate rewards and cancelled the order immediately. 

I bought another XXXX and took to my home country. While I was in vacation, I saw the order which was earlier cancelled through chase ultimate rewards delivery notification. I tried to hold the product in XXXX so that the product can be sent back to chase. However, unfortunately the product was kept in XXXX for a month and my friend picked up on behalf of me. I called chase and told the situation. Though my product received time was less than 15 days, chase considered the time they shipped and didn't take the product back. 
As well as they said they don't have any proof of my cancellation call log for the product. I was really shocked and unsatisfied with the service. Please help to resolve and get my points back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
AmEx isn't resolving the transactions on my credit card. 
Below are the charges : XXXX {$670.00} XXXX {$460.00} XXXX {$170.00} XXXX  {$470.00} XXXX {$650.00} XXXX {$190.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: CCS Financial Services, Inc.
State: GA
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 US BANKRUPTCY COURT- ; Case or ID # - XXXX, CCS Collection Service XXXX XXXX XXXX XXXX XXXX US Dept of Education has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy.

604 a section 2. Also state a consumer reporting agency can not furnish your account without my written instructions.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have received several notifications from KeyBank about changes to my personal accounts that were not authorized. These changes are done using their digital platform- Online Banking. My email address has been changed and bill payees have been added. While these changes don't impact my balance they do make me worry about fraud on my account. 
I have contacted KeyBank several times regarding this issue. I'm asked to change my password and I'm assured I have been removed from their 'test environments ' and it won't happen again but it does. 
Unauthorized activity and bogus notifications should not be sent to clients. 
Most recently, I received an email on XX/XX/22 indicating I added a payee - Test payee2 on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

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 2017-06-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Account with ashley home stores, through synchrony bank.
I pay over half of my minimum payment bi-weekly. some months this pays three times a month. but this ensures at least two payments are made in between due dates, however due to a billing cycle error where the due date is 8 days before the billing cycle ends, some of my payments are applied to previous statements instead of the current billing cycle. this results in a late fee and interest charged on my deferred interest account.
On my may statement three payments were made, the last of which was on   XXXX   XXXX  , one day before the billing cycle ends, because of the bi-weekly pay schedule only one payment was made between   XXXX   XXXX   and   XXXX   XXXX   the next due date. Synchrony bank is not allowing a full month between billing cycle and due date to apply payments. this allows customers a pay window of 20-23 days to make the payment, previous applied payments after the due date, but before the end of the billing cycle do not apply to the next due date.

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 2019-12-02
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am refinancing my home mrgt, but my company mrgt called Loan Care are holding up my ability to close and save over {$5000.00} in costs ( mortgage tax ) for no apparent reason. They refuse to sent Payoff Bill so We can closed. They just took over the loan only two months ago front 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 2021-05-12
Company: CNG FINANCIAL CORPORATION
State: SC
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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: John C. Heath, Attorney at Law, PLLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Someone has stolen my identity and my social security card and been trying take out loans and. Been. Trying to fall tax in my name also unemployment in other states

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX i sent equifax a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Equifax is under violation under 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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 have been disputing the same account on my credit file with Transunion, XXXX and XXXX. The account was opened in XXXX. It was paid off in XX/XX/XXXXper my notarized lien release affidavit. I credit reporting agenices still have it on my credit report with a balance of {$540.00} and listed as a Charge Off. This has also me very damaging to my credit report since XXXX and harming me in my ability to obtain credit, good rates and a mortgage. I have sent notarized copies of paid off account from the original account holder. The credit agencies claimed they did in investigation, but didn't provide me the information from the investigation. The account is now almost 7 years old on  my credit report, and they still wont remove 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 explanation
Consumer complaint received 2022-09-10
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I purchased a Vanilla Gift card at XXXX on XX/XX/XXXX. When I tried to use the card 30 minutes later the funds were already used. I contacted the company and they told me that I had to wait 8 days to file a dispute. I contacted them XX/XX/XXXX and sent them the requested packet of information. There has not been any response to my inquiries at their dispute resolution email ( XXXX ) and when I contact their customer service call center XXXX, they do not assist. They continue to direct me to the same email with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are currently on a Forbearance plan as of XX/XX/XXXX. The paperwork that I received and the call that I had with the rep that initiated the FB plan confirmed that the plan ends on XX/XX/XXXX. I sent an email to the LM department to extend my FB plan and then followed up with a call to see if there was any progress on it being processed. 

When I called on XX/XX/XXXX and told the rep I needed to extend the current FB plan, she set me up on a repayment plan for XXXX per month to begin in XX/XX/XXXX. I can not afford my current payment so why would I enroll in an RPP???!!!! 

I called on XX/XX/XXXX and the guy couldn't help me because he was not in LM and could not see the RPP that was set up in error. 

I called XX/XX/XXXX and spoke with 3 reps. One who was not in LM and needed to transfer me, the 2nd one put me on hold and then transferred me for no reason and the 3rd was able to advise that i need to call back XX/XX/XXXX to have the plan extended. 

She said the plan didn't end until XX/XX/XXXX. Who extended my plan by 1 month without my knowledge and why isn't Loancare being efficient when it comes to this process?!! Furthermore, why am I having to call back to have the plan extended instead of being able to self-service? 

I hate talking to them everytime I call because its always some nonsense.

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 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX   XXXX   is trying to get my bank info so I ca n't access my check early ... I give them permission but Bank of America is taking forever

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 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I am using   XXXX   and it 's saying my online banking is n't accurately updating my balance information and it is stalling my withdrawals

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 2017-06-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XX/XX/XXXX to  XX/XX/XXXX , XX/XX/XXXX  to XX/XX/XXXX ,  XX/XX/XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Upgrade, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please refer to complaint number XXXX which I filed. 
I do not agree with Upgrade 's response and see below their response. 
Company 's Response Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/2022. We are sorry to learn that you were dissatisfied with your experience at Upgrade. On XX/XX/2022, you opened a Rewards Checking account through Upgrade. Please note, a Rewards Checking account is a separate product from an Upgrade Card with a personal line of credit. As of XX/XX/2022, you do not have an Upgrade Card account. In order to have qualified for the {$200.00} welcome bonus, as disclosed in the promotional offer you attached to your complaint : To qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus. As there was no Upgrade Card account opened, you were not eligible to receive the {$200.00} welcome bonus. We apologize for any confusion. As a courtesy to you, if you open an Upgrade Card in the next 30 days, you will be eligible to receive the {$200.00} welcome bonus. If you have any additional questions, please contact our XXXX XXXX team at ( XXXX ) XXXX, Monday through Friday, XXXXpm MST, or email XXXX XXXX XXXX. Sincerely, Upgrade , Inc . 

Please see my response ADDITIONAL COMMENTS HI, The promotional terms are as follows and you can please refer to the attached terms o qualify for the {$200.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Upgrade states on their response to my complaint an Upgrade Card with a personal line of credit If you look at their terms and conditions it doesn't mention that you have to establish a personal line of credit. They just mention on their official terms that you can get the bonus by opening a rewards checking account and make 3 debit card transaction within 60 days of the Upgrade card account opening which I did. There is no mention on their terms that a personal line of credit has to be opened to get the bonus. 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No

Company response to consumer: Closed with explanation