BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-03
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX XXXX noticed multiples unauthorized transactions and I immediately called chase XXXX customer service claims department to report and dispute the unauthorized transactions. It will be noted that these unauthorized transactions were done using a debit card and a pin which I never received. When I initially opened my business checking account on XX/XX/XXXX, I never received a debit card or a pin. All my business transactions were solely done with XXXX. So it was a surprise to me when I logged on my business account to find multiples unauthorized transactions done with a debit card in XXXX, Tx ( an area Ive never been to and live no where near ). Chase bank gave me a provisional credit for the total amount of the dispute on XX/XX/XXXX. However, on XX/XX/XXXX, all the provisional credits were reversed. I called chase claims Department to ask why the provisional credits were reversed. A supervisor named XXXX in the claims department advised me that the claim was denied because the debit card and the pin were sent to the address on file, and there were no bad pin tries. Keep in mind, the representative states that the card and the pin were sent in XX/XX/XXXX. However, I have never received a debit card or a pin from chase for my business account. I would like to remind you that I dont use my business account for debit transactions, Im a small business and all my business transactions were done using XXXX on my business account. 
Considering all the points above, I am requesting that the investigation of the fraudulent charges on my account be reopened. I did not make those transactions. I am officially disputing the fraudulent charges and request an immediate Reinvestigation. I am requesting that the charges be removed, and the fraudulent amount be credited back to my account immediately. Please remove the fraudulent charges immediately from my account. Once the fraudulent charges have been removed, please send me a copy of my corrected credit amount. I look forward to hearing from you soon. Failure to honor, I will be filing a formal complaint with the CFPB, the Federal Reserve, and the Pennsylvania Attorney General. 

Account number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma EMAIL : Enclosures : screenshot of all the fraudulent transactions and the police report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX XXXX XXXX which was a VA Loan. They transferred the loan to PennyMac Loan Services , LLC in XXXX. I never received a letter of this, in addition -- when payment was returned, I found out at the branch the account was no longer with XXXX XXXX. In addition, I immediately contacted PennyMac to provide payment for XXXX and also the XXXX payment which was due soon. There was a difference in monthly payment of over {$100.00} now that the mortgage went to PennyMac. None of this information was provided, or conveyed by either XXXX or PennyMac in any capacity. Agent discovered an overage of {$170.00} ( credit ), this apparently was late fees which XXXX never applied to my last payment for what ever reason. PennyMac was sent a large payment of {$2700.00} to cover XXXX and XXXX. As well -- agent stated the late fees they have on their system would be removed. I called a week later and was told this had not occurred and was told the agent would correct this. In the interim, I sold my home and was directed not to pay XXXX payment for the note would be paid off and this would effect payoff if paid. After payoff occurred, I contacted PennyMac and they stated that the late fees were {$230.00} and non reimbursable. There was never any late payments while in their hands. If anything -- I was told this would be corrected. Lastly -- They had inspections of the property for XXXX, XXXX, XXXX which charged a fee. According to Veterans Benefit Affairs, they state that no inspection fees are to be paid by the veteran in any capacity. When asking for proof of inspection, PennyMac was unable to provide this proof. Never the less, when questioning Escrow balance, it appears funds of overpayment are lower than expected. It appears that PennyMac charged a pre-payment penalty by double charging interest and less to principle which is a direct violation of our agreement and outside the business and rules for a VA Mortgage. Fees are not authorized according to the VBA/VA. PennyMac basically ignored any concerns I brought to their attention and these fees need to be recovered and also, I feel I have received undue hardship as a result, loss of time complaining on the phone several times and not impressed that a company can do this to a veteran who is a good customer and has also been in direct contact with the several times. These inspections should never have occurred, it 's a pons scheme, unwarranted, and the double interest payment is a total misrepresentation and I can not tolerate being mis-treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, 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:
I submitted disputes and requested validation of debts, I requested contracts with signatures, copies proving these accounts were investigated and properly verified. After months of waiting nothing was provided however creditors stated items were verified without showing or explanation to how. I also requested my name address be updated correctly and nothing was done. I am requesting all accounts reviewed, investigated as they are required by law. Please remove collection accounts and charge offs listed that arent mine or not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-12-31
Company: Consumer Adjustment Company Incorporated
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote the company dispute letter asking them to validate and verify the amount of {$600.00}. They are claiming I still owe them. Consumer Adjustment Co failed to validate the competent evidence bearing my signature.Showing that I have ( or ever had ) some contractual obligation to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Patrick K Willis Company Inc
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Received a call from an " investigator '' on " a case brought against me. '' She identified herself as XXXX XXXX from XXXX and started asking me to identify myself by giving her personal data. When I asked what the acll was pertaining to she refused to tell me. Upon giving her my personal info she said it was re repossesion of my car. I called the bank and resolved the issue removing my car from repo. Calling her back to notify her she said she would call the bank, that my car still needed to be repossed or I would be taken to court. This is after I resolved the matter with the actual creditor. She is with a third party who was n't even able to discuss the particulars of my matter but still wanted to interject. I 'm now fearful that the agreement with the bank will be reversed after it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, Has Violated My Rights. 

15 USC 1681 Section 602 States I Have The Right To Privacy.

15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions.

15 USC 1666B : A Creditor May Not Treat A Payment On A Credit Card Account Under An Open End Consumer Credit Plan As Late For Any Purpose.

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 2022-06-03
Company: Fay Servicing, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is charging excessive fees for a foreclosure that was dismissed one year prior to my lloan being transfered from Fay Services LLC, who was sued by CFPB. My loan was transfered to XXXX instead of being properly serviced. XXXX XXXX XXXX has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment. 

XXXX XXXX has co-mingled my mortgage loan payment with these bogus fees... According to Fay Sevicing the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately. 

When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. XXXX obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that XXXX is fair in its trade practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions 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:
I submitted disputes and requested validation of debts, I requested contracts with signatures, copies proving these accounts were investigated and properly verified. After months of waiting nothing was provided however creditors stated items were verified without showing or explanation to how. I also requested my name address be updated correctly and nothing was done. I am requesting all accounts reviewed, investigated as they are required by law. Please remove collection accounts and charge offs listed that arent mine or not verified.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have own my house for 9 years. I never missed 1 payment. I originally was paying my mortgage with XXXX, then it got transfer to Carrington Mortgage. I have always had automatic payments. I change the payments every 2 weeks in their portal to save money in interest. the payments were taking out. then they contact me a month later that my payment was past due. I told them that I was not because I set it up every two weeks. 
even thought they took the payments they did not apply them as a regular payment. 
They told me that they don't allow to split the payments every 2 weeks instead of 1 once a month. we had that taking care of I asked the lady who I spoke with on the phone to make sure don't report as a late payment. That was something I didn't know I could not make the payments every 2 weeks. I have submitted several bureau disputes, I have fax them a letter and they still will not remove that late payment. I have proof from their own transaction history as well as the month statement that I was not late. 

they are also charging me a curtailment fee of {$200.00} per month. I don't know what is that for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Square Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I awakened this morning to a notification that my cash app account was - {$170.00}. I had over {$370.00} in the account hours before. I opened the app and checked my emails. There were no indications or transactions showing that would have caused the withdrawal. I immediately emailed customer support and explained the issue. I have yet to hear anything from their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Bonneville Billing and Collections
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bonneville Collection - XXXX & XXXX & XXXX - are reporting on my credit file in error. I would like to see proof or signed verification. I have disputed them a couple times now with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX On XX/XX/2019 I submitted an online application for an XXXX  XXXX  Visa XXXX card. I applied for the account using the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I had moved to XXXX  for a year-long secondment with my company, XXXX, but retained my residence at XXXX XXXX XXXX XXXX XXXX. At the time I registered, all my billing addresses were in XXXX XXXX, but my shipping addresses were in XXXX. If there was any way to clarify that in your online registration process, I would have informed you at which address I would have preferred to receive my mail. 

From XX/XX/2019 through XXXX XXXX  monthly billing statements were mailed to the aforementioned XXXX, NY address. Is it correct to assume the XXXX statement would have gone out mid-month, on XX/XX/XXXX? On XX/XX/2019 I opened my first correspondence that I received from your organization. Can you imagine my surprise when I opened my first communication from your company to see that you already served me + {$100.00} in late fees? 

As a customer, I have the right to be notified, informed, and given the opportunity to settle my balance prior to being hit with late fees. Your duty to communicate with your customer doesnt end when you stamp and send a letter, your customer needs to receive that letter. My credit score has since dropped from above XXXX to XXXX, because of this miscommunication about billing/mailing addresses. I request that you acknowledge that I am a responsible credit card customer, that I paid for my purchases at my first opportunity, and undo whatever your organization did to impact my credit score. 

Cheers, XXXX 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 2016-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is a followup to a previous complaint against TransUnion. TransUnion lied to CFPB that the deliberate erroneously reporting of XXXX XXXX ( XXXX ) on my credit report would be deleted. Account was due on XXXX XXXX, 2016, was reported as being 30-days late on XXXX XXXX, 2016, and verified as being true on XXXX XXXX, 2016 by TransUnion. TransUnion stated that the item would be deleted as according to Fair Credit Reporting Act. This was not done by TransUnion. Item was only updated and is still on credit report. This is unacceptable and a violation of federal law. Also, XXXX ( XXXX ) is in violation of Alabama law. According to Alabama usury law, this item is paid in full because a 400 % interest on an installment loan of {$2200.00} is unconscionable high. There is no waiver. Consumer is demanding this item be deleted immediately. Transunion and XXXX are deliberately violating the FCRA, and the remedy for this violation is a lawsuit with a monetary award. FCRA is clear and do not warrant an updated -- a deletion. This entry on my credit report speaks to the character of the company that consumers have to deal with -- taking advantage of the sick and poor. XXXX XXXX ( XXXX ) knows the scam it has.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: FIRST HORIZON BANK
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On CFPB Complaint # XXXX, dated XXXX, XXXX, we repeated a request for First Tennessee Bank to stop collection calls. The first request came in a CFPB complaint dated XXXX/XXXX/XXXX though not as explicit. First Tennessee Bank responded XXXX XXXX, XXXX, saying that " ... have stopped calls going forward. '' The calls have continued. 
I 'll apologize ahead of time for the length of this complaint. Their diligence in harassing us caused me to reread our agreement for this XXXX mortgage loan. This was never a credit card loan ; it was a XXXX mortgage loan secured by the equity in our home. The loan was written in XXXX, we paid monthly payments faithfully for six years until we lost employment and all severance pay was gone ; additionally, by that time, property values had fallen and the house could not be sold for enough to cover the XXXX and this XXXX mortgage. The loan became " unsecured ''. The loan documents speak of maintaining the property, loss of employment and the bank 's ability to forgive this loan. We can not understand why they have chosen us to be unworthy of forgiveness. When we contacted them in writing, XXXX, XXXX, our credit score was XXXX. We explained our inability to make additional payments because of loss of employment. Not once did they respond to us saying that an appraiser would be assigned to determine the home 's value as stated in their agreement. In fact, we heard nothing from them except to say that a 40 - 60 % repayment was their minimum if the house was sold. Our Realtor said that could not be done given the market. We have used money from our pockets and money from this loan to continue to upgrade this property ( pictures are attached ). When we purchased the home, it had a shack roof. California outlawed because of fire hazards, so we replaced the roof with a 15-year comp roof. Not shown is the banister that we added to the stairs leading to the bedrooms. Not shown is the new wood stove. We have also attached portions of the signed agreement with First Horizon that substantiate our statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: VA
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:
Upon trying to buy a home my credit had to be ran and I was made aware that there were bankruptcy reporting on my public records, I disputed the bankruptcy and the address to later find out my identity had been stolen where someone had put a house a wireless service in my name. I then filed a Identity Theft Report with the ( Federal Trade Commission but because XXXX, XXXX, Experian have given me such a hard time to remove this address and the inaccurate information from my public records. This is harming my credit and prohibiting me from buying my home by reporting inaccurate information. I also contacted the courts and they stated they do not provide information to Credit Bureaus or third party agencies. 
XXXX XXXX Ct XXXX 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 non-monetary relief