BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX We had issued through XXXX XXXX XXXX XXXX XXXX XXXX ) an ACH collection in the amount of {$1300.00} payable on or about XXXX XXXX, XXXX. 

XXXX This was for rent collected from a tenants ( XXXX XXXX ) from her account ( # XXXX ) at Chase with routing number XXXX. 

XXXX The tenant terminated the Lease but we forgot to remove the ACH. 

XXXX On or about XX/XX/XXXX, the tenant called and said money was withdrawn from her account. We told her that it was a mistake and we will refund it. We checked out account at XXXX and in fact our account was credited for that amount. 

XXXX We issued her an ACH payment to refund her for the same amount. We emailed her proof of the ACH refund payment to her. 

XXXX In early XX/XX/XXXX, we reviewed our XXXX XXXX bank statement. We found out that our account was credited {$1300.00} once, but debited for {$1300.00} twice. Our refunding her went through but her bank, CHASE, recalled and took back the original {$1300.00}. XXXX did not notify us about this until we saw the XXXX monthly statement. 

XXXX As a result, our account is {$1300.00} short. 

XXXX We brought this to the attention of the manager at XXXX XXXX  XXXX After some vacillations, he said his Treasury Management will contact Chase to return the money. 

XXXX On numerous occasions I have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX He states that this is not his problem but XXXX Treasury Management has contacted Chase about this twice, and that Chase has not responded. I asked and was told that by law, Chase has two weeks to respond but it has not responded to their inquires. 

XXXX Before filing this complaint, I called Chase and spoke with a XXXX ( call Ref # XXXX ) to see if Chase can explain the reason for failure to respond to XXXX XXXX  XXXX She did not have any inforamtion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 DEPT OF ED : 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 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 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  FRAUD REMOVE Have violated my rights To PRIVACY, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states 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. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.

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 2018-02-12
Company: COOLEY ENTERPRISES INC
State: GA
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:
On XX/XX/XXXX I received an alert that my credit score had changed. When I checked the alert it stated that XXXX XXXX reported that I was 120-149 days late on my payments. I don't understand why they would report that when they sold my account to XXXX XXXX in XX/XX/XXXX. I longer have a contract or even contact with them. I am current and update on my payments to XXXX XXXX. When I call I keep getting people give me different numbers but no one knows what I need to do to have it fixed.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-29
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX who is working with Mohela toward XXXX. I should reach my XXXX payments in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to Mohela about lowering my loan payment. It was around XXXX. 

They told me I could apply for the XXXX income repayment plan. I said ok but did t or have the information they needed to apply during that phone call. 

I checked my Mohela account shortly after that phone conversation and saw that my loans were out in deferment. I called and and requested to be out back in repayment because I knew that any time in deferment would not count. 

They processed that request. I did not enter repayment again until the last me or XXXX. 

Now XXXX and XXXX are listed as not qualified for XXXX. 

I provided the information needed to enter the XXXX program. I was told that XXXX would not count either now because it takes a month to process the request. I asked if I still made my payment if it would count and they said yes. 

I then saw on my account XXXX listed as not qualifying. When I called in again they told me that it didnt matter if I made my payment it wouldnt count. 

Every time I call I get put on hold for a long time and they receive different information. It seems as no one there really has accurate information. 

I checked my account and now it is also showing XXXX due for XXXX. I called again and they said my account just hasnt updated yet. I am fearful thats I have just lost out on XXXX, XXXX, XXXX and now XXXX counting towards my XXXX 

I have made a payment for all of those months and they should count toward my XXXX payments I believe they are not properly handling my account as well as giving me inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the XXXX XXXX forgiveness program 2 years ago. I provided ALL requested information to Mohela, on several occasions, and every time they got the information they asked for, they came back asking for something different. First it was detailed payment history mailed in XXXX, then it was Employment verification, mailed XXXX and XXXX. Then it was pay stubs, next W-2 information. I worked for XXXX XXXX, now XXXX from XX/XX/XXXX to XX/XX/XXXX- all of the paystubs and W-2 's were archived and unavailable. I was told to download the information from IRS.GOV website and mail that in XXXX of XXXX, once again I was advised that what was needed was a declaration from XXXX, formerly XXXX XXXX, I jumped through every single hoop Mohela asked and made me jump though, and now was just advised that I don't qualify based off of payment history. They have made me jump through incredibly significant hoops only to continue to come up with different reasoning for my application to be denied. It is never the same reason. My loan was transferred from XXXX XXXX to Mohela as I was eligible for XXXX and yet here I am once again being denied. Mohela is acting fraudulently, is impossible to get in touch with and out right preventing those eligible from receiving the forgiveness they are eligible for. I filed a formal complaint on the federal student loan site and it is STILL in review, I have included a screen shot of the XXXX closed XXXX applications as well as the status and case number for my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by Trans Union. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my TransUnion freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, TransUnion and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between TransUnion and XXXX XXXX and XXXX is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with Transunion since TransUnion is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that XXXX does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX TransUnion and XXXX XXXX. due to the response, I received. XXXX  TransUnion. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of 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 2022-12-26
Company: EQUIFAX, INC.
State: GA
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 DEPT OF ED : 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 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 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 FRAUD REMOVE Have violated my rights To PRIVACY, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. also part ( 1 ) states The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. part ( 4 ) states 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. part ( B ) states It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Please request all the Reporting Bureaus promptly remove these files according to U.S.C FCRA IT has currently been over 30 days since my last submission of this matter to be handles and for the files to be removed. And with fairness and abiding by the laws that hold up the banking structure I DEMAND that these accounts be removed diligently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
My wife and I booked a trip package including round trip first class rail transportation from XXXX XXXX, MN, to XXXX XXXX XXXX in Montana, three nights lodging, selected meals, and two tours with XXXX XXXX in XXXX and paid a deposit of {$750.00} on XX/XX/XXXX to XXXX XXXX. The amount of the deposit is what I am seeking through this letter. 

The trip we booked was deferred until XX/XX/XXXX because of COVID restrictions. We paid for the trip on XX/XX/XXXX, then upgraded our rail accommodations on XX/XX/XXXX, and paid an additional amount. Refunds for these amounts have been paid and are not included in this request. The {$750.00} deposit has not been refunded and that is what we are seeking through this complaint When we arrived at the train station in XXXX XXXX at XXXX XXXX on XX/XX/XXXX, we were denied boarding because the bedroom we had booked, and paid for, had been sold to other customers. No other sleeping rooms were available and since XXXX XXXX does not have a customer service telephone line to resolve problems encountered by travelers, we had to return to our home in XXXX, IA. 

The amount of our refund is not in question according to two representatives from XXXX XXXX  with whom I have spoken. I have made two attempts to secure the refund from XXXX XXXX  and while I have been promised prompt service by customer relations representatives, the deposit has not been refunded. Hence, I am seeking your assistance for a refund of the deposit. 

Mastercard has denied our claim since it occurred more than two years ago. The outbreak of the COVID virus resulted in the park being closed in the summer of XXXX and as a consequence we had to rebook our trip for XXXX. 

I appreciate your assistance with this matter.

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 2019-11-25
Company: Experian Information Solutions Inc.
State: PA
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:
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed 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 2019-02-01
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
In XX/XX/2015 I took out a loan with Tower Loan. I made 2 payments. Both payments I was told they were unable to provide me with receipts at the time. I stated the payments were not the correct amount in which I paid cash. I was told basically to bad, it is what it is. I stopped paying until they could correct the amount. I have recieved phone calls since stating " what kind of mother or woman am I if I can't pay my bills. '' " How can I afford other things to include an attorney to fight them for harassment if I can't pay my other bills? '' They also refused to give a copy of my contract and stated they will continue to hit hard inquiries on my credit every 30 days until I start paying. I explained card inquiries are for attempts to open ne lines of credit which i'm not authorizing them to do. I was told they will continue to do so if i don't make payments. I informed them this is threatening and harassment and the response was he will continue to go after my credit as long as they can until I pay.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 non-monetary relief
Consumer complaint received 2019-02-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase extended me an offer to open a new Savings account, which had to be opened in a branch. 

The terms of the offer and of the account state that I need to fund my account with {$15000.00} of 'new money ' that's not already in an existing Chase account. I also need to keep a minimum daily balance of {$300.00} or I'll be charged a monthly service charge. 

Chase is preventing me to fund my account for the requested amount from an external bank account, and thereby preventing me from fulfilling the obligations they've imposed on me. 

- I linked an external account online, completed the trial deposits, and initiated the transfer. 
- Chase blocked the transfer, removed all of my online access to my checking and savings account and had me call in - I called in, and was told that a 3 way bank call was needed with my external account. Since the external bank was closed that evening I was told the only way I can get access back to my checking account was to cancel this transfer. Hence Chase was not only blocking the transfer in question about also my access to ALL of my funds. I therefore asked the agent to cancel the transfer to I could pay my bills. He asked me to call back to initiate the transfer when the external bank was open. 
- 2 days later I called Chase to be able to do a 3 way bank call and was told that I first had to initiate the transfer online and to call back - I went online to re-initiate the transfer, but the external account which I PREVIOUSLY connected is no longer in the system. 
-- >I now need to re-enter my external bank information, wait 1-2 days to do trial deposits, go back online to initiate the transfer, which for the transfer to block access to all of my bank account and money, call Chase to do a 3 way call with my other bank ( within business hours ) and THEN I WILL HAVE FULFILLED MY OBLIGATIONS to prevent getting a 'service ' fee. 

This is UDAAP. Imposing terms and putting customers through unreasonable hoops in order to fulfill them. 

And the cherry on top, is that if Chase actually looked at my Checking account activity they could CLEARLY see that I have the liquidity, am not laundering money ( ie. the transfer is completely in line with past transaction history ), AND should see that I've been sending money from Chase to XXXX. But when I try to give Chase back some lost business, they won't take it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: Experian Information Solutions Inc.
State: TX
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 was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft.

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO EXPERIAN, XXXX, XXXX ARE HELD LIABLE

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