BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-10
Company: Ocwen Financial Corporation
State: NY
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 mortgage initiated with XXXX  XXXX XXXX XX/XX/XXXX, than transferred to Ocwen Loan Servicing. My last payment on the mortgage account with XXXX  XXXX XXXX was in XX/XX/XXXX. The mortgage loan was initially reported as default by XXXX  XXXX XXXX in XXXX XXXX. The delinquent status on the mortgage account would have matured in XX/XX/XXXX, seven years has passed and this mortgage account is still being reported to XXXX. Ocwen Loan Servicing has submitted fraudulent documents to XXXX  in the investigation of this mortgage account. Documents from XXXX  XXXX XXXX to contest Ocwen Loan Servicing will be submitted. 

XXXX  allegedly conducted an investigation with XXXX XXXX XXXX. XXXX  was reporting the account being as being charged off. I disputed this claim. I contacted the XXXX XXXX XXXX and did my own investigative due diligence and obtained an Obligation Summary letter on my account which actually had a credit of XXXX. Documents from XXXX XXXX XXXX to contest XXXX  credit reporting will be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Experian Information Solutions Inc.
State: MI
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:
There are numerous inquires on my Experian Credit Report that I did not consent to nor authorize. 
1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX XXXX - XX/XX/XXXX 5. US sm bus admin - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XX/XX/XXXX 7. XXXX  XXXX XXXX XXXX - XX/XX/XXXX 8. 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 explanation
Consumer complaint received 2017-02-26
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was attempting to assume a mortgage loan from my father for a house from Chase bank. The loan in question is roughly {$86000.00} and I have a credit score of XXXX and an income of {$XXXX} per year with quarterly bonuses and only small debt in the form of student loans. I submitted all information requested by Chase only to be denied on a small technicality. I am recently divorced and, after my separation, I was fortunate to be able to live with a close friend as I figured out what my next step was. During one month, I purchased season football tickets and sold XXXX of the tickets to my friend. He then discounted my rent for that month. After giving Chase all my financial information, they questioned why I had a month that was less than my agreed upon rent ; I explained what happened and offered my friend to submit a notarized document stating I paid him. Despite these efforts and all the work I put in on getting the appropriate information to Chase, they denied my loan citing " Delinquent past or present credit obligations with others ''. This is patently false and they refused to allow me to provide documentation stating so. The account representative that was so difficult to work with is XXXX XXXX in the Assumption Department

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My complaint is about Fifth Third Bank. I contacted them for the last couple months trying to have this account removed off my credit. I contacted them they stated they will remove it. It never went no where. Im in process of purchasing a house and this account reporting as closed in XXXX is hindering my process. I need this account off of credit report like bank stated they will do. The account is also pass 7 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Financial Business and Consumer Solutions.
State: MI
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:
ID, S.S card and passport stolen. All items reported stolen through XXXX police station have claim number if needed. 

15 USC 1681 Trying to buy a home, this is a defamation to my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Abri una cuenta el XXXX XXXX  XXXX XXXX XXXX realice un deposito al abrir la cuenta, nunca me dieron el acceso a la banca en linea y me dijeron que la cuenta iba a ser cerrada todo esto luego de abrir la cuenta y realizar el deposito a los 4 dias recibi la tarjeta de debito llame y consulte el balance y la cantidad depositada estuvo disponible por 4 dias, cuando trate de realizar una compra en un supermarket la tarjeta se suspendio y recibi una carta dandome la bienvenida el XXXX XXXX XXXX llame y me dijeron que las cuentas estaban cerradas y que me enviaron cheques con el dinero en la cuenta al momento del cierre y no me dieron mas informacion solo tengo los documentos que adjunto como prueba y para que vean las incoherencias entre los diferentes departamentos de Chase y su mal funcionalidad. 

I opened an account on XXXX XXXX, XXXX, I made a deposit when opening the account, they never gave me access to online banking and they told me that the account was going to be closed, all this after opening the account and making the deposit to the 4 days later I received the debit card, call and check the balance and the amount deposited was available for 4 days, when I tried to make a purchase in a supermarket the card was suspended and I received a letter welcoming me on XX/XX/XXXX, call and they told me that the accounts were closed and that they sent me checks with the money in the account at the time of closing and they did not give me more information. I only have the documents that I have attached as proof and so that you can see the inconsistencies between the different Chase departments and their malfunction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was charged {$600.00} interest on {$3000.00} balance and they are telling me I have a 30 % apr. that interest charge is significantly higher than 30 %

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 2023-04-11
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Barclays Jet Blue MC plus which at the time I applied was for a promotion of XXXX Jet Blue Points which I have done everything from spending the {$1000.00} and paying a {$99.00} annual fee I would have never taken this card to pay a {$99.00} annual fee if it didn't come with that promotion. 

I am asking the company to reimburse me with the balance of XXXX points because they have already given me XXXX I have family members who applied at the same time as I did and received XXXX points I am asking for the points that I applied for at the time of this Promotion

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 2023-02-24
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to 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 non-monetary relief
Consumer complaint received 2018-10-23
Company: Synovus Bank
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
Twice, last month - NFCU employees went out of their way to racially profile customers, then deny them ( me ) service. On XX/XX/XXXX, their employees simply refused to open their bank doors at XXXX. 3x, a manager came to the door to tell us they werent opening, because they were scared of the XXXX women & other customers yelling about waiting, outside. We had to call the police to force bank employees to open the door. A different manager later lied and said that the police had told them to lock the doors. That wasnt true - when police arrived- they had no idea why bank employees refused to open up. I made a point of also speaking with the person who locked us out, she likewise lied and denied locking the doors in our faces, except we filmed it. There was no excuse for such random, rude behavior, at all. 
Then - XX/XX/XXXX, I went in person to the XXXX Branch where the receptionist/manager demanded my ID, accessed my accounts, asked me why I was there, tried to dissuade me from accessing the service of speaking with a loan officer, and instead directed me to a man I suspect was security, because he couldnt or wouldnt intelligently answer one, single question of mine. He mumbled something about how he didnt know what I was talking about, and I needed to make an appointment to come back at a later date to speak to someone else. I told him that I had taken 2 buses to get there, and wanted to speak to someone that day. He refused to route me to a more appropriate person, provide rates, or even offer a brochure to explain mortgage types and other, pertinent information. His attitude and behavior were evasive and atrocious. In frustration, I asked if I could apply online- which he confirmed. Unfortunately, after applying at home- my application was rejected and denied for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Disputed with XXXX Says I still owe debt even though through my last complaint they'd stop says I still owe them will follow with michigan ag about this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Asked synchrony bank to validate an alleged debt under the Fair Debt collection Practices Act, company failed to validate and caused serious harm to my credit, also they had no written consent to report on my credit report which constitutes fraud. Also violated my consumer rights which will need to be addressed. violations will be uploaded

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 non-monetary relief
Consumer complaint received 2020-06-16
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ACCT, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX, XXXX XXXX   XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: National Healthcare Collections, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am truly incredulous- I got a notification from XXXX that my score dropped XXXX points, so I looked closer. Some company that has absolutely 110 % never contacted me in any way shape or form, placed a collection on my credit and DESTROYED it. I PAID THE BILL TO THE MEDICAL OFFICE< APPROPRIATELY. I have never been contacted by this " National Healthcare Co '' and I know that the surgery center has all of my info as I have had XXXX surgeries there. The medical office may have made a mistake but this credit collection company should have CALLED or WRITTEN. I have tenants moving into my house in XXXX  days- and I am in escrow. I am attaching receipts to this bill for XXXX dollars that was paid in XXXX. It took some time as I was working with the insurance company which I finally gave up on due to TIME it takes to deal with insurance so I paid it. The fact that they did not call me, I know to be illegal and against the fair credit reporting act. If this does not come off my credit by XXXX  when I wake up- I will file a lawsuit immediately, online. Not only will I be sued as I have tenants moving in, and this will make me fall out of escrow, this company in XXXX  will have to travel to XXXX XXXX for Court Dates- and I am 100 % within my rights as I paid my bill, in good faith. This needs to be deleted AT ONCE>I will file a lawsuit with XXXX XXXX XXXX XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-18
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a business checking account on XX/XX/XXXX at the Wells Fargo branch in XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I supplied all necessary documentation including : Articles of Incorporation for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, EIN letter issued by the IRS, XXXX XXXX XXXX XXXX, and government issued ID. 
On XX/XX/XXXX I ordered business checks totaling {$160.00} for XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I was called by the bank ( XXXX XXXX ) asking to provide additional documentation. I told XXXX that I did not have or require anything beyond what was already provided and listed above. XXXX said he would work it out with his back office. 
On XX/XX/XXXX I received an email that my business checking account balance had gone to zero. I looked at my account online and saw that it was " closed due to XXXX ''. 
I called Wells Fargo 's XXXX numbers and got nowhere. I called the XXXX branch and spoke to XXXX who said I should come in the straighten it out. 
On XX/XX/XXXX I returned to the XXXX branch of Wells Fargo and provided my IRS issued EIN letter with payment coupon for XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. While there, XXXX checked with his back office to verify that the IRS EIN letter was sufficient for XXXX documentation. XXXX confirmed with back office that this was acceptable and that they would be able to re-open my account within 24 hours. 
The account has not been re-opened as on XX/XX/XXXX. 
When the account was closed, there was a {$38.00} balance that was not returned to me or my company. 
The {$160.00} worth of business checks are worthless.

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-08-14
Company: EQUIFAX, 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:
I filed a complaint against Equifax because they are refusing to remove accounts that are more than 7 years old from my credit report. The companies are reporting the incorrect initial delinquency date. XXXX and XXXX XXXX XXXX accounts are reporting the incorrect delinquency date of XXXX. This is NOT the initial delinquency date. Equifax has destroyed my credit by reporting this incorrect information. They have closed out my complaint and my dispute. They are not reviewing my documentation proving the initial delinquency date of XXXX. It is the responsibility of the Credit agency to INVESTIGATE whether companies are reporting the correct information. It is their responsibility to refuse incorrect information. This needs to be corrected IMMEDIATLY! REMOVE these accounts from my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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