BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
good afternoon ladies and gentle, on XX/XX/2023 I have XXXX XXXX off for my wife 's XXXX leases from ransack XXXX XXXX, first the selling price was incorrect then XXXX XXXX off was not implied to lower the monthly payments I reached out to selling dear for XXXX month along I informed XXXX XXXX from day one for the mistake to be fixed and nothing was fixed, so I disputed the amount {$2600.00} from discover card where I paid the drive off from, first they gave me credit and took it back cause they received document from selling dealer, then they re issue me credit for the the secound time based on the document received from the dealer being not valid, and today I called because I submitted a new document supports my case I was told by discover the dealer as the merchant got back the credit, I ask discover what happened wy her wander was same no diferent basically they reversed their decision based on faults and fraudulent contract even though I provide discover contract from same selling dealer much lower, I was talking to XXXX from discover and I told her I need to speak to your Mngr, like you know same all stories XXXX on the phone and they will never call back, at that time I told XXXX from discover I will file complaints true all Dpt and her reaction was laughing, makes me feel its ok to bully consumer then auto scammers dealer ships.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Mr. Cooper Group Inc.
State: OK
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:
In XXXX of XXXX, XXXX XXXX XXXXXXXX transferred my home loan to Nationstar Mortgage. Despite an inaccurate internal accounting, XXXX XXXX XXXXXXXX claimed XXXX late payments for their tradeline until XXXX. Upon onboarding the loan, XXXX charged me for XXXX deferred late fees due in the amount of {XXXX from XXXX XXXX  XXXX, then without notice, increased the amount to XXXX late fees in the amount of {XXXX. XXXX XXXX claimed to me through the CFPB portal, dated XX/XX/XXXX, that I owed XXXX late fees, as uploaded to my complaint to the CFPB, while he falsely claimed I had ever tried to modify my payment with XXXX XXXX XXXX and those non existent documents were outdated, as reasoning to ignore the XX/XX/XXXX XXXX Application and documents he was in fact responding to as he received them a second time by XXXX XXXX XX/XX/XXXX, XXXX months before filing a petition for XXXXXXXX against me that went wholly ignored after the filing by XXXX, and this devalued my fair cash value of the home I was trying to sell by XXXX. For years Nationstar claimed to have paid a law firm for a full suite of forclosure fees, only to accidentally disclose the charges as advances were somehow reversed and my payments to these unearned and allegedly split fees were and are still held by XXXX  in a suspense account along with {XXXX in interest payments I made that have yet to be credited to interest or refunded. XXXX  obtained XXXX  in late fees yet I owed XXXX. BUT. XXXX allocated receipt of {XXXX} in lines XXXX in their internal system and left this lie I paid for XXXX late fees for XXXX  years causing the attached inaccurate information furnishing in my credit files on a large number of occasions proven by mailed credit files, including in XXXX when claiming after the XXXX payoff I was 149 days past due on the loan in XX/XX/XXXX. Their company through counsel refuses to produce proof of services having occurred and refuses to produce cancelled checks allegedly advanced for these unearned fees, that also included two never noticed never described or disclosed force placed insurance premiums dated XX/XX/XXXX and XX/XX/XXXX, without having any reasonable basis for the charges necessity to overlap my regular homeowners policy that expired in XX/XX/XXXX. In XXXX, within a false payoff statement dated XX/XX/XXXX, XXXXXXXX over charged me {$XXXX} for unearned fees and charges and refused to issue a refund in XXXX, XXXX they paid general damages and currently can not tell me what unearned fees I was paid for, or in XXXX. XXXX XXXX XXXX  XXXX 's XXXX credit reporting of negative payments that matches 12 years of their credit reporting and two examples of XXXX XXXX inaccurate credit reporting claiming different and under payment of the actual amount paid by XXXX XXXX XXXX XXXX of {XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I was navigating the Venmo app attempting to pay a tip to a vendor for a service I had paid for. Upon trying to send a {$10.00} tip to a company. I was somehow redirected through the app to request a credit card. I have no intentions of opening a credit card and they sent me XXXX in the mail without any type of confirmation that I actually wanted a credit card. I contacted Venmo through synchrony bank and they canceled the credit card and I also requested that they contact the credit bureau to remove the hard inquiry that they had made, I feel like the solution is resolved, but someone needs to know that Venmo is issuing credit cards with a little to no actual notification that youre applying for a credit card. It should not be XXXX clicks on an app to automatically get a hard credit inquiry and send you a credit card. I work very hard to keep my credit up and this negatively affected me by XXXX points. I felt like it needed to be reported.

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 2023-06-12
Company: JPMORGAN CHASE & CO.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A call came into my place of business earlier today threatening the power would be terminated imminently due to an outstanding balance. They gave me a case number to be reimbursed in case there was an error on their end. When I asked why they never notified me they said XXXX letters had been sent. To avoid immediately losing power at my store, I figured I could present the case number and reverse the charges if it was their mistake. I had customers and meetings, and ended up paying {$1000.00} via XXXX to avoid the shutoff. I contacted Chase and they said there is nothing they can do. These are the phone numbers tied to this : ( XXXX ) XXXX ( XXXX ) XXXX *this was the number used with XXXX And XXXX just called again about collecting the remaining balance. Unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I had XXXX XXXX at XXXX XXXX XXXX. On XX/XX/XXXX I logged into the hospitals medical billing website that was provided on the bill and paid my bill in full for {$590.00}. I have the email receipt showing that I paid it. A few months later I was contacted by a debt collector stating that I owed XXXX XXXX XXXX {$530.00}. Initially I sent them the credit card statement that showed I paid XXXX {$590.00}. They kept calling and I sent them the email receipt from XXXX XXXX showing that I paid the amount directly to them. It is still in collections. No proof of payment that I sent in worked to get the debt removed. It should have never been sent to collections and I dont know what to do to get it cleared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

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 2023-06-12
Company: RENASANT CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
On Friday, XX/XX/2023, we were approved for a HELOC but backed out before signing papers and asked for the loan to be cancelled on XX/XX/2023. According to your pamphlet : What you should know about home equity lines of credit on page XXXX, it says : The lender must then cancel its security interest in your home and return all fees- including any application and appraisal fees, paid to open the account. My bank is charging us {$180.00} to back out for the appraisal and application. On XXXX XXXXXX/XX/2023, I questioned this and read this statement to them but they insisted we owe the XXXX 
Does this apply to our situation even though we didnt sign any papers? 

I was not given a loan number.

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 2023-06-12
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I arrived at XXXX XXXX in XXXX on XX/XX/2023 with a full approval from XXXX XXXX to purchase a vehicle. I specifically told the salesman I did not consent to a hard inquiry to my credit nor did I want to discuss any other financing options besides what I was already approved for with XXXX. The salesman asked me to confirm my information with a signature to just verify the XXXX deal within their portal. I once again stated I did not consent to any hard inquiry of my credit. Despite this, the dealership processed a hard credit pull and sent to Ally Bank who also processed a hard inquiry on that same day. When meeting with finance I repeated I was not interested in any deal other than XXXX and the deal was finalized with my approved chase offer already in place. The next week while reviewing my credit I saw the XXXX XXXX and Ally hard inquires to all XXXX CBRs. When I contacted the dealership I was told well that salesman is new and there is nothing we can do about it now. I believe this to be a UDAAP violation for deceptive practices and would like the hard inquiries I did NOT consent to removed from my credit reporting.

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 2023-06-12
Company: Capio Partners, LLC
State: IA
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:
I went the XXXX  in XXXX, FL for a medical emergency back in 2020. As a XXXX XXXX XXXXXXXX veteran I am allowed to go to a community ER when no VA ER is available. On top of being treated like XXXX by the physicians on duty, after my visit I was billed for it. I notified the VA and was told the bill would be taken care of. XXXXXXXX XXXX billing department called me and I explained to them I was a XXXX XXXX  XXXX vet and the VA would pay my bill which to my knowledge they did. Under U.S. Code 38 sub section 1728 I'm not responsible for the bill. Now three years later I check my credit report and it's listed under collections on XXXX by Assetcare LLC however it's not listed on XXXX. It is showing an amount on XXXX of {$1300.00} so they need to remove this because it's not legit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX payment was made via mail. Two checks were written, one in the amount of {$680.00} and the other in the amount of {$690.00}. Mid XXXX a letter was received that the amount had not been paid. I called customer service and was told that by not having the amounts in one single check, it makes the payment non compliant & they have difficulty applying payment. This has happened since my very first payment with this company, where they will receive the payments on time, & in full, but return the checks in the mail and claim that payment is late. They then claimed one of the checks had bounced and wanted a screenshot of the bank balance to show proof there was enough money to cover payment. The bank was contacted who recommended the one check in the amount of {$680.00} have a stop payment placed because they were concerned the company was acting fraudulently. The company kept the {$690.00} check and then issued a check of their own in the amount of {$670.00} dated XX/XX/XXXX. I will not cash their check as it wasnt the correct amount & due to the bank having stopped the payment for the {$680.00}. A separate check had to be mailed back to them due to this. XXXX payment was made online via their payment portal on XX/XX/XXXX and was applied on XX/XX/XXXX. I received a letter in the mail today, XX/XX/XXXX, stating that as of their statement date of XX/XX/XXXX, XXXX payment had not been made. Payments have been mailed in & then returned via mail by company several times. The company then states the payment is either late or missing when in fact, they were paid on time, but because it was paid with 2 checks equalling the mortgage amount and not one single check, they returned the payment. These payment are always made together and not separately. They reported a missing payment for the months of XXXX & XXXX on XX/XX/XXXX which were untrue. This incorrect reporting has caused my credit to be impacted by almost XXXX points. I called today, XX/XX/XXXX, to dispute the missing payments and operator XXXX stated she seen where the payments were made and said she made a note in the account that the payments were made. I have been given the constant run around with the mortgage company who can not, or do not want to, do their job and process mortgage payments and seem very malicious and predatory. I have additional photos for clarification if needed.

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 2023-02-27
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Public Service Loan Forgiveness I submitted a certification form PSLF forms to MOHELA on the following dates : XX/XX/XXXX - Civilian XX/XX/XXXX - Military - XXXX XXXXXX/XX/XXXX - Civilian employment XX/XX/XXXX forms cover my XXXX XXXX  and military service. My XXXX XXXX  went from was from XXXX. After review I have not been credit for military service time or my XXXX XXXX. I made payments during this time and if public service is credited I would have completed 120 months and be eligible for loan forgiveness. 

XX/XX/XXXX additional dates at my current XXXX XXXX job. I am requested that this time be counted. 

MOHELA continues to not credit my public service to reach loan forgiveness. I am requesting that MOHELA review and credit my public service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Every month overdraft fees of XXXX on every dollar

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-06-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I received numerous letters from XXXX XXXX XXXX ( collection reporting agency ). I am a victim of Identity Theft and continue to suffer from the theft of my social security number and other personal information which was used to open multiple credit cards, lease and utilities at various locations. In XX/XX/2023, I started receiving multiple collection letters and requested my credit reports from XXXX, Equifax and XXXX which revealed multiple credit card accounts in negative status. Furthermore, I contacted each creditor and collection agency listed on my credit files. As of XX/XX/2023, I have been unable to get some of the inaccurate, misinformation and unauthorized items removed from my credit file. Furthermore, I continue to receive annoying collection letters and updated credit reports with unauthorized charges from credit cards and other service providers. This identity theft situation has caused me damages and pain and suffering. Because of this identity theft matter and negative credit reporting from the collection agencies and credit bureaus I have not been able to obtain new credit, Apartment and Employment. On XX/XX/2023, I filed Identity Theft Affidavit with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for the Chase XXXX via JP Morgan Chase on XX/XX/22. I have credit monitoring, which specifically states to call me if credit is applied for in my name. I never received a call from JP Morgan Chase. Instead, I received a letter stating they was not able to verify my phone and needed to fax them or mail my personal information ( Driver 's License, SSN, Proof of Address, and Phone Number ), and my application is in a pending status. I faxed in my information on or around XX/XX/22. I called on JP Morgan Chase on XX/XX/22 to confirm if my information was received. I was informed it was and placed on hold. Before I was placed on hold, I informed the rep. that my application was in a pending status, so my credit should not be ran again. The rep. returned to the call and informed me I was approved. The rep. provided me with information regarding when I should receive my card and we ended the call. Due to having credit monitoring, I received an alert soon thereafter that my credit report had been ran again my JP Morgan Chase. They placed my application in pending status, due to my phone number not being on my credit report, yet my phone number was on my application. If they need to verify my phone number they should have called the phone number on the application when I initially submitted my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 tried to remove this on my report a few times .Every time they did not send me info or give what the results were on investigation. When asked for details, I only received a bill for an amount. Please see attached letter sent certified this time .The last ones were not. As follows got nothing back but a copy of an old statement with a XXXX letterhead. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXXXXXX PORTFOLIO RECOV ASSOC XXXXXXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023 To whom it mr concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX in about of {$1300.00} .This is not my debt once again I demand you show me as follows : XXXX. Application of credit, I need to see what you are trying to collect! 
XXXX A copy of XXXX monthly statements with all charges, payments, credits, etc.from the time it was it {$0.00} until said amount? 
XXXX. What is your authority to collect this amount as I have never done business with you before. If you claim to own any debt you claim I owe, give me the full purchase agreement so I can see if I really owe this dept? 
Do not call me, or anyone else about this only. &. ONLY COMMUNICATE IN WRITING! 
If you can not show cause, remove this from my credit report or face my right to comply to the letter of the law .I believe you know what that is as well as I do .I would hope to hear from you within 10 days or expect it!

Company response to consumer: Closed with explanation