BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I made a charge of {$20.00} on XX/XX/22 at XXXX on the XXXX XXXX XXXX website using my XXXX XXXX. At the time, I had selected a 'boost ' for 5 % back on online orders at XXXX XXXX XXXX. The boost showed as 'expiring now ' and was still attached to my card. I immediately knew there was an issue when the charge authorized because I didn't get notified that my boost had been applied. I contacted support right away. The first agent told me that I didn't have the boost selected before I made the charge. I wrote back and another agent provided boiler plate information about looking at a boost 's expiration date. I asked to escalate to a manager who in turn reviewed my chat and said could not offer anything further. I indicated that I would be filing this complaint. 

I am owed the 5 % on my purchase. The boost was still clearly attached to the card. I attempted to take a screenshot because I thought the wording was odd ; however, the app prohibited me from taking a screenshot. If the boost was indeed expired, it should have no longer been attached to my card or at a minimum, said 'expired '. It's reasonable to assume 'expiring now ' means it is still valid. I feel deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX sent a certified letter to LVNV Funding to Validate debt and company has not responded nor sent requested items.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Nelnet, Inc.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I submitted a payment to the Vermont Student Assistance Corporation. My bank, XXXX XXXX XXXX XXXX, reflects this {$73.00} charge from XXXX XXXX, 2016. This payment has never been reflected in my VSAC account. Shortly thereafter, my loan servicer became XXXX. Neither loan servicer shows a record of this payment. XXXX gave me a trace number : XXXX which should be useful in assisting VSAC in finding a record of this charge. 
In other words, the transaction occurred. But was applied as an increase of balance instead of reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XXXX XXXX I received notification from a 3rd party app that my credit line on Chase was reduced.. I did not receive any proactive notification from CHASE regarding that this change may be forthcoming. I contacted CHASE and told them the complete facts of my situation that I recently got married and that I have never been over limit or late on any of my payments however they stated that I would not get my old limit back. Unfortunately this has created a domino effect regarding my personal life as now all credit bureaus now feel that I am maxed out on these XXXX particular cards and that my situation has turned dire. My utilization which did admittedly get higher because of a recent marriage and all of things involved such as the ceremony now will get even worse causing all of my other lenders to thing I am not living up to my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Edfinancial has been giving me the run around regarding my student loans. On XX/XX/22, I requested that my any payment made during the pandemic be returned to me. They sent an email saying " Refunds typically take approximately 60 business days from the date of payment and will be returned to the account the payment was originally made from. '' Since then, it's been 76 business days and I haven't seen a dime. I reached out again and said that the request was never made on my account when it clearly was. They said that it will take 90 more business days. 

I just feel like I'm falling through the cracks and they have my money in their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Rocket Mortgage, LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I did not receive a bill for XX/XX/XXXX payment. I did receive an email on XX/XX/XXXX stating I must pay today to avoid late fee. I called and paid with the same checking account I always use and received confirmation # XXXX. On XX/XX/XXXX, I received thank you for your payment by email. Again I receive an email that I 'm going to be late. I check my account ; no payment was taken. I call XXXX at Quicken on XX/XX/XXXX ; I explained the payment did not go through.He said to give him the numbers, I did, he said were done. XX/XX/XXXX I received an email thank you for your payment. XX/XX/XXXX, I 'm late again, I send an email to explain and included a check from the same account. NOW, it 's paid but they want XXXX late payments. They said it 's not their fault, but I have used my routing and account # 's with out a problem with others and no problem. They said they still do not know why both times the payment did not go through. I believe they have an obligation as a financial institution to be held to a higher degree of professionalism. If a Quicken employee can not figure out why the numbers did not work ; I do n't know what else to say. I told them to listen to the recording of the call. Yet they just say I 'm at fault. I 'm not the company that sent two emails thanking a CUSTOMER for your recent payment that was not true, and very confusing. I do not believe Quicken should benefit financially for mistakes that they made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-23
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently obtained a mortgage on a parcel of land and an existing house thru Quicken Loans. The land is part of a subdivision and tax information wo n't be available until the next tax roll assessment. Until that assessment is complete, I pay out of pocket to the original owner of all of the parcels, my share of the taxes. What Quicken is doing however is forcing me to make Escrow payments equal to the tax of all of the parcels knowing that the amount is incorrect and significantly overstated. What I am told is that absent having the specific amount for my parcel, they can collect the amount of all of the parcels. And yes they know this is in error and acknowledge that it is in error. That defies all logic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Dorough & Dorough, LLC
State: GA
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:
1. Dorough & Dorough, ( D & D ) ( debt collector ) was fired by the XXXX XXXX and ordered to cease and desist all efforts to perform all services effective immediately. However, D & D ignored the cease and desist order, and filed an illegal garnishment and Writ of Fifa against me during the cease and desist period. ( Refer to attached exhibit 1 page 2 paragraph # 13 ). 
2. Refer to previous response by D & D to CFPB complaint # XXXX submitted on XX/XX/2021. 
a. D & D denies the allegations in my claim. However, refer to attached exhibit 1 ( letter from the association board ) as support that D & D was fired and was under a cease and desist order when they illegally acted and issued garnishment and Writ of Fifa. 
3. D & D agreed via a legal settlement document, signed XX/XX/2021 on behalf of the XXXX that the judgement and Writ of XXXX would be removed consistent with the agreed settlement schedule. The settlement agreement has been satisfied and D & D has reneged on the settlement agreement. To date the judgement and Writ of Fifa has not been removed. ( Refer to attached exhibit 2 XXXX signed agreement and Exhibit 3 Proof of Payment ) a. In addition, D & D agreed in writing to my counsel on XX/XX/2021 ( refer to email below ), that the release of the Writ of Fifa would occur once assessment payments through 2021 calendar year were satisfied. These 2021 payments have been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 2017-01-12
Company: Convergent Resources, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received the promotional offer {$150.00} last year for spending {$1000.00} and now I received an email on XX/XX/23 stating that Amex will charge {$150.00} back because I downgraded my credit card account. This was not how the offer advertised and if I have known this I would not have accepted this offer because the annual fee is {$99.00} and offset the promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SPS servicing is the most unscrupulous mortgage component I 've ever dealt with. The second time my mortgage was due to their company ( because my mortgage was sold to them after 10 years with XXXX XXXX XXXX who were great ) they charged me twice for an online mortgage payment transaction. I attempted to pay my mortgage online and their system kicked me off and told me to try again. So the next day I did, because I 'm responsible and pay my bills on time. Well turns out that my first attempt to pay was apparently processed but I did n't get confirmation of that! So when I paid again they charged me twice! Then when I call them to cancel one, they say they ca n't help me! So they fraudulently charged me twice! When the online payment is processed it clearly states that you will receive confirmation through an email that your payment was processed! Never got any confirmation for any payment whatsoever! So that 's why I paid out again the next day, because like I said I 'm a responsible person, and I like to play my bills timely! This company is the worst and commits fraud!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my husband and I are currently applying for a modification and we have left several messages for our assigned representative and his supervisor ... XXXX and a XXXX. we have not heard back from wither of them. I spoke to the collections dept who assured me that they would be in contact with us and neither of us have received a call. we have n't been denied or approved and the foreclosure process has started. I still have n't been able to get someone to call us back and we 've faxed in all the requested docs

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : On XXXX XXXX XXXX I was served with divorce papers from my wife of XXXX years. By the end of the month I was forced to move out of the house at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Although I did not live in the home, I continued to pay the mortgage to Chase Mortgage on-time every month. I paid the monthly mortgage, faithfully and on-time since we moved in on XXXX XXXX, XXXX. 
My divorce trial commenced on XXXX XXXX XXXX. On the day, it was apparent the judge was going to award her the home at XXXX XXXX XXXX XXXX XXXX , TX XXXX. Without regard to whether my ex-wife, XXXX XXXX, could qualify to assume the mortgage and continue mortgage payments, the judge XXXX XXXX, awarded her the house. The final divorce decree was signed on XXXX XXXX, XXXX. I also signed and executed a Special Warranty Deed of Trust stating that she was to pay the note. 
XXXX failed to pay the mortgage on time. Instead, only after threats of foreclosure, she made random payments prior to completing the sale of the home. Her lack of responsibility in paying the mortgage on time has resulted in Chase reporting late payments on my credit history to the XXXX credit bureaus. Thus, severely damaging my credit score. When I spoke with Chase Mortgage several times by phone there was no consideration given by Chase to the fact that I was a responsible, loyal customer for several years and always paid my mortgage on time. Chase refused to amend their reports of late payment and refuse help me improve my credit. 
XXXX subsequently sold the house on XXXX XXXX, XXXX. I have also provided a record of the payment history over the last year of the loan. As you will see, the payments where up-to-date until XXXX after XXXX had taken lawful possession of the house and responsibility of the note. 
In addition to this letter, I have attached the pages in the divorce decree that pertain to XXXX being awarded the house and her responsibility to pay the mortgage, the Special Warranty Deed of Trust that also explains that XXXX is responsible for the mortgage payments and the record of all payments made in XXXX demonstrating that I paid the mortgage on time up to the date that she was awarded the house and supposed to make payments. 
I ask that you may assist me in getting Chase to amend their late payment reporting to the credit bureaus and help me to recover my strong credit that was severely damaged through no fault of my own. 
Sincerely yours, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: DE
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:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello I recently received a copy of my credit report and I see that you are reporting inaccurate information in the personal information section. To diminish any speculation, my information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX, De XXXX. Employer : XXXX Please remove any other references to my name, address and employer as they are not mine and I never used them. Also please send me an updated credit report when you have made these changes.

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 2015-12-18
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Chase Freedom Unlimited Credit Card in XXXX Online, I received and offer in my email stating that I would receive {$150.00} in bonus points once I had spent {$500.00} in my first 90 days and When I add a Authorized user and They use the card I would also receive {$25.00} in bonus reward points. I have been checking my account and waiting for these to be added, I looked at there fine print to see how long this takes and It said 6 -8 weeks after your first 90 days it would be added. Well I called Chase on XXXX 2016 I spoke to two different people XXXX and XXXX XXXX supervisors They told me I did not Qualify for the Bonus that their is no offer code! I proceeded to tell them that this is the Bonus offer I received in my email and this is the offer I am expecting to receive. I was then told had I called right at 90 days or with in the 90 day period they could add it and adjust it ... They also told me because I went to there website and applied I do not qualify It states the same offer on their website and this is the offer they made. Their offer in my email did not state i need to apply through the link only this is absurd the offer is all over the internet for the card I have and the card I applied for the The Chase Freedom Unlimited Card. I was told I applied for a different card not true its the same card they made the offer to me on and its the same card they offer the bonus rewards points on all over the internet this is highly fraudulent false advertising. I apply did everything this i was suppose to do I added the authorized user right away to get the bonus points. I had my husband use his card so i could earn the bonus points. Now they are refusing to reward me the {$150.00} in points and the {$25.00} in points. I want what I was offered when signed up for the card this is not right!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing in regard to my account which was with Ally Financial account # XXXX based on my knowledge and the letter I have from Ally it is a paid off account never having settled this account yet on my credit profile it reports settled for less than full amount. I sent Ally a request for payment history to back the claims but have been ignored therefore I am making the request via the CFPB in the hopes of getting a breakdown of my account and the payment history.

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 2022-05-24
Company: CCS Financial Services, Inc.
State: TX
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:
The XXXX XXXX COLLECTIONS amount of {$210.00} received my certified mail. The company has not responded to my debt validation letter, and still reporting to XXXX. According to the FCRA the have failed to mark as disputed and have NOT provided me a copy of any original documentation required under Section 609, Section 611 under the same law the required to promptly DELETE ALL information which can not be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Affirm Holdings, Inc
State: OH
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:
Affirm reported three accounts as late on my credit report. They are not late and I have an impeccable payment history with them. I have contacted three times and just get a round about. They do not have a way to call so I can only email my requests to have these removed. This inaccurate reporting is affecting my credit worthiness. My accounts with Affirm are current and payments were processed on their due dates.

Company response to consumer: Closed with explanation