BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-09
Company: Mortgage Research Center, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I, XXXX XXXX ( maiden name Banks ) have been in forebearence with my mortgage with Veterans United since XX/XX/XXXX. I received documentation in XX/XX/XXXX from Veterans United that my forebearence was about to end and to complete required paperwork. I completed the XXXX XXXXXXXX XXXX XXXXXXXX to keep my home at the end of XX/XX/XXXX. I sent the XXXX XXXX XXXX  XXXX certified ( USPS XXXX XXXX XXXX XXXX XXXX ) and it was received XX/XX/XXXX. I waited for my application to be processed and did not receive anything. I finally reached out via DM on XX/XX/XXXX and Veterans United replied on XX/XX/XXXX, that I could view the status of my modification online. I attempted to search for the status and it was nowhere the rep advised. I finally received a certified letter on XX/XX/XXXX and it was a demand letter stating that I must pay the amount of {$19000.00} in full by XX/XX/XXXX. I called and spoke with XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she informed me that they are demanding the full amount because they never received a response back from the documentation that was sent in XXXX. I told her I in fact sent it back, certified! XXXX confirmed that the application was received and uploaded in their system on XX/XX/XXXX and was just never processed!! She advised I could re-fill out the app online to receive a quicker response. I had no clue as to why I would have to do the same form again as they had already had the form I sent. Per page 3 in the form, if you have a reduction of income or change in income, no documentation is required. They never requested anything from me at all. I never received a decision at all as well, so how can they demand the arrears? This is clearly a violation. I was not informed of this being a violation as XXXX requested that I just complete the application again. No fault was admitted at all.

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 2019-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Someone forged a check with an invalid check number and my bank ( B of A ) cleared it. The check was for {$2500.00} to one of my employees for my business. My employee called his bank to tell them that it wasnt his doing and return the funds. Also the highest check # I have is XXXX but the forged check was XXXX. My complaint is that Bank of America cleared an obviously invalid check without a single security measure to avoid this and when I called them about it, I was on hold for an hour and a half only to be patronized by a sassy lady that didnt want to help me. I went to a branch near me and they said I can only resolve this issue through a call, which is complete XXXX. It is clear that {$2500.00} was taken out of my business account and I was not notified of any suspicious activity/reimbursed for the amount. Their website has no option to report a problem other than changing my security questions and login info which clearly isnt effective enough to keep peoples wealth safe. Unless BofA takes immediate significant action for the major XXXX on their part, I dont feel safe knowing that anyone can easily forge a check to take money from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, 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:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX  XXXX XXXX XXXX and 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 2022-09-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
My complaint is for non-disclosure. On XXXX XXXX, 2022 I noticed two unauthorized transactions on my Navy Federal XXXX card for XX/XX/2022. I called Navy Fed to dispute the transactions and they told me that the charges were from an authorized user. As the owner of the account, I froze the account with the authorized user months prior to the transaction date. Navy Federals policy is that authorized users can not make changes to the account and only the owner of the account can. My complaint is that as the owner, I froze the account and the right to any changes only belong to me and the authorized user should not be able to make the change to unfreeze the account. I immediately contacted Navy Fed to dispute these charges and asked for clarification regarding the policy and disclosure. Navy Federals Credit Card department Managers were not helpful and told me there's nothing that I can do. Again, I'm the owner of the account and Navy Federal should be more detailed in their disclosures regarding who can and can not make changes to the account. I'm filing a civil suit against the authorized user but I strongly feel that Navy Federal is just as responsible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I honestly don't know how to categorize my issue. I received a letter back in XX/XX/2019 from Fair Collections and Out saying I owe {$2800.00}. I called them on XX/XX/2019 saying I didn't owe the balance and that I had proof that I moved out the date I moved out and that I received a utility bill for the same time that the company is trying to collect from me. The lady I think her name was XXXX ( I'm not fully sure ) told me that I could dispute and submit to her my proof and that they will reach out to the company. She also stated that the on XX/XX/2019 the collection will be added to my credit report. I called back in XX/XX/2019 to check the status of the dispute. She told me the company haven't replied yet and that she will contact me once the counter suit was submitted. I call back again the first week of XX/XX/2019 to check the status again. I told the lady that is was days before this collection is suppose to be reported to my credit and I still haven't received anything as proof showing I owe anything. The lady told me that the company didn't have to prove anything to me with a nasty attitude. When she said that I told her that because they cant prove to me that i'm responsible for the debt the debt didn't belong to me. I still haven't received anything and about this debt other then the bill from the debt collector and the collection is now on my credit.

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 2020-06-09
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I received a letter from a debt collector XXXX Midland Credit Management , Inc ) alleging I owe XXXX XXXX, issuer of the XXXX XXXX Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above XXXX ) and would not want to jeopardize it in any way. I contacted XXXX XXXX to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call Midland Credit Management Inc., and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
No one responded and the cfpb let the response expire. Please note the following STILL has not been addressed : The letter sent to me does indeed say that when they received my account that it was not over {$3000.00}. I am willing to negotiate with them as I have told them many, many, many times in writing. I would like for them to write me back, rather than send a telephone number, for negotiating purposes. It is a simple response I need in writing. Something to the fact " Yes, we accept your balance negotiated at {$2400.00} at $ XXXX/mo until this account is paid. OR " No, we do not accept your negotiated amount, yet are willing to ( insert negotiated amount in return ). Sending me a telephone number to call is an unacceptable response to my request to accept or decline my offer in response IN WRITING. 
I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS Why will they not respect my wishes and address the negotiated offer in writing? 
THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT Yes ADDITIONAL COMMENTS They said theyd wait my payment without accepting or declining my offer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
To whom it may concern, There are queries on my credit report that are not mine. I do not recognize them nor have I authorized those queries. Please removed from my credit report as these inquiries are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I really hope you can help me with this issue I am having with Experian I have a charge off from XXXX XXXX account # XXXX open XX/XX/XXXX. This was closed XX/XX/XXXX and charge off. XXXX Experian has changed the date to XX/XX/XXXX this is totally wrong and they need to delete this from my report. They do not have the right to change a date to mess with my credit. I now want to this remove completely from experian since they are falseise report things that arent true

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 2020-06-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
**Dear governor, My name is " XXXX XXXX ``. I am reporting some error information that exist in my credit report. I notice that the employment information and some of addresses that not belong to me and our association. These error information have a really high risk to intervene our business in a way to rebuilding everything again after the Covid-19 Dynamic. Here are employment information and addresses that need to be removed off my credit report***** -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - **EMPLOYMENT INFO XXXX XXXX XXXX ================================== ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK 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 2023-11-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.

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 2023-09-09
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I was charged for a subscription related to an app called " XXXX XXXX '' on XXXX. Regrettably, I forgot to cancel this subscription in time. Upon noticing the charge, I initially attempted to request a refund through XXXX, but XXXX informed me that it was not eligible for a refund. 

Subsequently, I left a review on the app, and the app developer reached out to me, offering guidance on how to secure a refund by following specific steps, including providing visual instructions. However, I couldn't proceed with these steps as I had already initiated the refund request through XXXX. I attempted to follow their instructions again, but my refund request was still denied. 

Frustrated by the situation and given the app developer 's assurance that they would process the refund through XXXX, I contacted XXXX 's support agent to dispute the charge. Unfortunately, the agent informed me that a dispute was not possible I then decided to contact chime to dispute the transaction. 

The agent was rude, please, be on an unnecessary hold us in the first two minutes of being on the phone with me didnt understand what I was saying, kept repeating himself, even though I was asking a different question, and was generally very condescending. He ended up hanging up in my face. In an effort to understand Chimes terms and conditions regarding refunds or their dispute processes, I requested clarification or documentation outlining these procedures. The agent abruptly ended the call, which left me frustrated and feeling that my concerns were not properly addressed. I have attached a screenshot of the phone call for reference, which took up approximately 20 minutes of my time. The number I called from was XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: 2288984 Ontario Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I can not afford to pay back the loan right now my financial situation is not in good standing and I need the company to stop over drafting my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter which in regarding inaccurate and unknown things on my credit report, and tot his day thats over 60 days later I still have not received a response yet. I feel like I am being taken advantage of and being completely ignored of my disputes. By law, of Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days, then it gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should have been deleted promptly. I demand that these accounts be deleted immediately or I will definitely file for litigation due to the XXXX that you have caused me. My information was also impacted by the. Equifax data breach and may have got into the hands of a wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Dear Sir or Madam, I hope this letter finds you well. I am writing to file a complaint against the financial institution that operates within my local XXXX grocery store. I have been subject to a series of unauthorized actions and fees that have not only resulted in the depletion of my bank account but have also led to a negative report on my credit card. This, in turn, is significantly impacting my XXXX XXXX and hindering my plans to purchase a house. 

In brief, XXXX was running a promotion that entailed the provision of a bonus or reward if customers deposited money into a new bank account. As per this scheme, I opened an account and made the required deposit. However, contrary to what was promised, I never received any sort of communication, reward, or bonus in the mail. 

Several months later, I noticed an adverse effect on my credit card status and subsequently discovered that my account had been completely drained. Further inquiry revealed that the financial institution had levied numerous fees on my account without my knowledge or consent, ultimately leading to an account balance that stood in the negative. 

In an attempt to resolve this issue, I made multiple calls to the financial institution 's customer service department, only to be met with indifference and uncooperative behavior. The representatives not only failed to provide any substantial information or assistance but also hung up on me multiple times. 

Given this ongoing issue, I request your immediate intervention to investigate the matter and rectify the erroneous reporting on my credit card. I have been a responsible customer and have always made a concerted effort to manage my finances effectively, and this unwarranted situation is causing me undue stress and financial hardship. I believe that I am entitled to fair and transparent treatment and a clear explanation of the fees that have been charged to my account. 

Attached to this letter are copies of my bank statement and the credit card report that clearly shows the negative impact. 

Thank you for your attention to this matter. I look forward to a thorough investigation and a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ou provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: JPMORGAN CHASE & CO.
State: IL
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 was recently a victim of identity theft, and have numerous inquiries on my report that I do not recognize. The perpetrators also broke into my XXXX XXXX account, and my XXXX XXXX  account but my accounts were frozen before they were able to withdraw money. These are a list of the inquires and the dates. 
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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief