BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Capital One XXXX credit card. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Capital One XXXX is the right choice for myself. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Platinum Holdings Group, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This person stated that they would serve me at my home or my place of employment if I did not contact XXXX. They stated that they would need to see XXXX forms of photo id Stated the case number was XXXX. Stated that their name was XXXX and that he would be wearing a XXXX courier vest. This information was left on my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
J.P. Morgan Chase Bank have repeatedly acknowledged on multiple complaints in this matter they will not violate confidentiality of accounts relevant in this matter of my assets plus annuity payments plus being I did not have account there was nothing more to discuss. I have opened Chase Bank Checking account but still have not received annuity payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-04
Company: EVERBANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from my lender, Everhome Mortgage, XXXX XXXX XXXX, XXXX, GA XXXX, stating that their show my insurance had expired and that the were going to buy insurance for my property, it would likely be more expensive, and that I was financially responsible. There is no indication of the time frame I have to resolve this. My insurance has not expired and is up to date, the error is in their recording keeping. The tone of the letter is very threatening and places the entire onus on me, not the lender. I do not think the threatening language is appropriate and the lack of details about time frame for the process in unacceptable and produces the appearance of immediate action on their part without my input.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Avant Credit Corporation
State: OH
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: Overcharged for something you did purchase with the card

Complaint:
I closed the credit card account due to hideous customer service. There is a credit balance of {$7.00} in the account. I have asked the company to refund me the credit balance numerous time via internal secure messaging. I have had no response to my request. I sent a final demand for payment letter to the company via USPS Mail with tracking. I have had no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Aloha and good afternoon, my name is XXXX XXXX and I live in XXXX Hawaii. 
I own a rental property located at XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, XXXX Hawaii XXXX. When I purchased this property a few years back I purchased it from a gentleman named XXXX XXXX XXXX. I purchased it from him under whats called an agreement of sale on the mainland its called a wrap around Mortgage I never assumed that underlying first mortgage. I am now selling this property and have spent endless hours and days dealing with the XXXX  at Mr. Cooper, formally nation star mortgage. The changed the name as a way to appear more friendly? These guys have an F rating with the XXXX XXXX XXXX XXXX XXXX only has a D rating? After my encounters with Mr. Cooper, I am surprised its only an F? So, here is what I could use some help on. All we want from Mr. Cooper is to get a payoff demand so we can pay them off this has proved to be impossible. One of the many calls was with a XXXX employee # XXXX, and she said she would have a supervisor call me back in 5 to 7 days, that Great customer service .I never got a call from a supervisor, BIG surprise. She was able to find the payoff based on two items provided the original borrowers name and the property address. So they can find the information. But, because the seller ( XXXX XXXX XXXX ) is not been found we have no way to get an authorization to get a payoff. We do not want a mortgage rating, just a simple payoff. At the beginning we had been told to send an email to the following departments research Incoming. You can not call them as they do not have a phone, even better customer service?? We sent the email after we had been told it would take 72 hours to get a response. That was two weeks ago, and when we emailed to follow up with the incoming research department they emailed us back saying they lost the first request, what a bunch of XXXX. We are trying to close this transaction. As of 2 days ago and Mr. Cooper has caused Harm from the delay. All we want is to pay these guys off and be away from them. We do not have a loan number for this loan, it was an old countywide mortgage and sold to Mr. Copper. But, they did find the payoff already, just did not release it. Getting an authorization is not possible from XXXX XXXX XXXX, Mr. Cooper already attempted to reach him on some old phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Ladera Lending, Inc
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We were contacted by Ladera Lending in XX/XX/2019 as we were looking to refinance our FHA mortgage and take cash out to pay off debts and have additional cash to do home improvements, etc. We were approved and the loan closed XX/XX/XXXX. We received the checks to pay our debts on XX/XX/XXXX. We mailed the checks out but found out there were three checks in question. When we received a list of debts from the lender before closing, told them and also submitted documents of proof that there were three that should not be paid. One was to XXXX XXXX for a vehicle loan that we paid off in XXXX, the other two were for debts that were discharged in a prior bankruptcy. The lending agent and us both agreed they would not be paid and the funds disbursed to us instead. But when we got the checks from closing agent, that was not the case. We called them and they said we had to have Ladera fix it and they would reissue the checks. We have XXXX of void checks that should have been added to our direct funds that were wire transferred. We were told numerous times the checks would be reissued to us. The closing agent stated they could do nothing without lenders instructions. We were also told by our lending agent that the checks were going to be reissued by Ladera not the closer. That I heard today could not happen, closer had to rewrite and cancel the other checks. I was also asked by agent " why do you need the money so quickly, we just paid off all your debts and gave you money besides '' ... we are really busy and will get this taken care of. I asked when and was told the checks were mailed Monday, that was three days ago. All I received from them was a letter of loan transfer today, no checks. That really upsets me that it is taken lightly that we are owed this money. These funds were part of the mortgage refinance. The loan was already sold to another lending company, but until the loan is fully funded that is questionable to pay them. I am attaching emails, copies of checks and can document everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX transferred to SHELLPOINT XXXX, had nothing but problems, escrow account not paid, said was paid!!!!!!!!!!!!! On phone now with SHELLPOINT XXXX on hold for 30 minutes said ALL IN MEETINGS! BUNCH OF LIARS! NOW SAID FORCED PLACED INSURANCE!!!!!!!!!! Been trying to modify loan, is a 15 year loan, said, payment will go up, i was in an accident, XXXX  of XXXX  XXXX! NOTHING BUT LIES WITH THE BANK! Asked about impounds said call county for property taxes that is there job! MODIFICATION DENIED SAID PAYMENT WOULD GO UP!!!!!!!!!!!!?!?!?!? OLD BANK DIDNT NOT PAY THE INSURANCE OR PROPERTY TAXES!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-15
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Repeatedly attempted to have validation by certified request, but never got a response. 
Then without notice placed a collection on my credit report. 
I would never sign a release of my medical records ( HIPPA ) therefore they never could validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Billing disputes

Complaint:
I attended the XXXX in XXXX this past XXXX as a Delegate. The XXXX contracted with certain hotels for each of our state delegations. Our contracted hotel was the XXXX airport hotel in XXXX. We we required to book a minimum of 4 nights at $ XXXX ( double their regular rate ). Most delegates booked from XXXX, but being that I am originally from XXXX I arrived on XXXX & stayed with family. I booked my hotel room from XXXX as I made plans to go directly to my fathers home in New Jersey immediately following the close of the Convention XXXX evening. I arranged to take him to some doctors appointments. The only reason I stayed at the hotel on XXXX evening was because I was required to stay a minimum of 4 nights. Upon checking in I noticed that the hotel had me booked for 5 nights & had already charged my credit card. I brought it to their attention immediately and spent all week communicating with the front desk & general manager to have the appropriate credit issued. XXXX morning I spoke to the hotel general manager to advise him I that I was checking out and would like XXXX room charge credited back to my credit card. The manager became very rude and told me he would not be issuing me any credits. I went ahead and checked out as I planned and advised him that I would dispute the charge with my credit card company. I did dispute the charge several times with Chase and each time they recharged my account simply stating that the hotel said the charge was valid. No one from Chase ever communicated with me ( their member ) regarding my dispute - they simply took the word of the crooked hotel general manager even though I provided them with a copy of my receipt upon checkout that showed a credit for the last night ( {$320.00} ) and my original booking paperwork that shows my original booking of XXXX. The hotel is fraudulently charging my card an additional night and Chase is complacent in assisting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of 2015 I refinanced my current Chase Mortgage loan with what I thought was a HARP loan through Chase to lower my interest rate. I asked several times and was informed there would be no fees attached to this loan. My balance at the time was $ XXXX it is now at $ XXXX. I did not anticipate $ XXXX plus in fees. At closing there was also a {$1000.00} amount that said " if the borrower agrees '' however if I did n't agree they said the loan would not fund. I this really a HARP loan or just a regular refi?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the credit bureau and they claim the debt is mine. but when I contacted the company I asked for paperwork proving the account is mine and I authorized. The collection company could not send the paper work and I am reporting Portfolio Recovery XXXX account is fraud and Identity theft.

Company response to consumer: Closed with non-monetary relief