BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: EQUIFAX, INC.
State: MD
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:
ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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: Account status incorrect

Complaint:
I have disputed the late payments XXXX XXXX XXXX XXXX account for months. Not only that, the account is reported duplicate on my Experian credit report..They also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

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 2023-10-04
Company: MOHELA
State: TX
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:
My loans are serviced by Mohela. I had already planned for repayment to resume and had set up auto debit. I received a letter last week stating my loans had been put in administrative forbearance, which I did not request, as this harms me as interest will continue to accrue. I want to resume payment immediately as I am working toward my XXXX payments for forgiveness under PSLF.

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 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I'm a victim of the 2017 XXXX data breach my information was leaked on to the XXXX XXXX please delete the fraudulent accounts that we opened in my name Capital one {$440.00} capital One Walmart {$550.00} XXXX XXXX {$100.00} all within the 2017 data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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 fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2018-08-31
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a loan with BPPR ( Banco Popular de Puerto Rico ) loan number XXXX and we used to have the 2 lots at each side of our residence, we went under the chapter XXXX protection under the bankruptcy court and let them go because it cost over {$1.00} M to cure the enormous soil problem and the only way to sell these lots was by committing fraud, we gave evidence of these conditions to BPPR by Soil studies and cost to cure by certified engineers, the 2 lots are unbuildable if piles around 60 feet depth are not done because it has 50 feet depth of unstable soil, BPPR ignores the facts and are offering to potential buyers the lots without the proper disclosure and selling the idea that can built theirs dream homes, already they sold one and the new owner want to built without the curing and putting on risk my home, back yard and adjacent neighbors all these was confirmed by our soil and structural engineers. 
We did last month another soil study and comparative topography of the 3 lots and the results are dramatic they have sunk between 7-15 inches, the slope has inverted, soil slides, new puddles all over, back fences have failed many times and this means that the global stability is very affected, how could you help us against this institution, since this neighborhood was built we know about 3 houses, 1 swimming pool, retain walls and slopes have collapse, Because malpractice and wrong process of soil stabilization of the slopes, how you can help us? or what agencies you can refer that can assist us to confront this malicious institution?. We cant even sell our house because fraud is not our way of dong business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: EQUIFAX, INC.
State: TN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possibleXXXX For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Cascade Capital, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Received A Letter From Cascade Capital LLC, Dated XX/XX/XXXX ... .Stating My Account Has Been Assigned To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .Stating I Had 30 Days In Order To Dispute This Debt Or It Would Be Deemed Valid ... .After Checking My Credit Report On XX/XX/XXXXThey Had Added This Account To My Credit Report. I Have Never Had An Account With This Collection Agecies Listed ... The Account They Are Noted Was Last Reported In XX/XX/XXXXAnd They Never Gave Any Information As To Them Being The Rightful Owners Of This Debt Or Entering Into A Signed Contract With Me In The Payment Of Said Debit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXXXX

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 2022-11-19
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022, I deposited a check with Chase Bank in the amount {$2200.00}. I received this check from my mortgage servicer, XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an escrow overage refund. I have received escrow refunds from this servicer for 2 years prior. 

I deposited this check via mobile deposit. It was received, reviewed, and then approved. I then attempted to move the money from the Chase account to an account with another financial institution ( XXXX XXXX  ) where I normally store my Mortgage Payment savings. On the day this transfer was supposed to be completed, I received a message informing me that the transfer had to be cancelled because of an unspecified problem with the originating account ( Chase ). 

I then attempted the reverse and tried to do an external withdrawal from the Chase account to the XXXX account, only for that transfer to be cancelled as well. On XX/XX/XXXX, I called XXXX XXXX  and was informed that my Chase account was frozen. 

I then immediately went to my local Chase branch on the evening of XX/XX/XXXX and asked why my account was frozen. They did some research and called their headquarters support line. They informed me that the check I attempted to deposit was inconsistent - specifically the issuer of the check and the number of the bank account did not match. I was questioned about how I obtained this check, why did I receive it, among others. The branch informed me that the likely action would be the check would be returned. 

I called my mortgage servicer, XXXX that night and relayed the issues I was having. They informed me that the check was a good check and if I still had it I could attempt to deposit it at another institution. 

On XXXX XXXX, I noticed that XXXX charges appeared on my account, both dated XXXX XXXX : The first was for {$2200.00} and the second was for {$40.00}. These XXXX charges brought my account to {$0.00}. Both were labeled as Debit DDA - Check Charge with no further information. I Chase 's main service line and was redirected to customer concerns. I explained what happened and was informed my account was in the process of being closed and the latter charge would be paid out in a settlement account via a cashier 's check in about 14 business days. 

Chase was unable to tell me why my account was being closed. They failed to inform me that my account was in a restricted state. They did not indicate that there were any concerns with the check I attempted to deposit ( and in fact told me my deposit was approved and the funds were available ). I do not have the funds available from my escrow refund, and now I will need to wait 14 days for the money that was existing in my account to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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 these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX, I opened a Bloomingdale 's store credit card a store and purchased several home good items for a total of {$490.00}. At the point of sale, the card application was completed and my physical card was received in the mail sometime later. My wife does not recall if and when a card in her name was received and lost. My card has always been in my possession. The purchases on XX/XX/XXXX were the only purchases I or my wife ever made on the Bloomingdale 's credit card. Following those purchases, {$12000.00} was charged to the card at in-person locations over the period beginning XX/XX/XXXX and ending XX/XX/XXXX which was around the time I became aware of the activity and cancelled the card. During this time, and unbeknownst to me, 4 payments on the card were made from my checking account totaling {$10000.00}. One payment of {$30.00} was made on XX/XX/XXXX that did not come out of any of my payment accounts. Several attempts to recoup these payments made for the fraudulent transactions and reverse the outstanding balance have been denied by Bloomingdale 's, citing insufficient evidence as well an unsubstantiated claim over the phone that identification was produced at the point of sale. On XX/XX/XXXX, they issued a letter stating their final determination has been made and the matter is considered closed. There was no appeal process outlined in that letter. I have made a single subsequent payment in the amount of {$140.00} on XX/XX/XXXX to keep my credit in good standing while attempting to resolve this issue. On XX/XX/XXXX, I filed a police report after researching further courses of action in a situation such as this.

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 2018-08-31
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I sent a check for {$740.00} to XXXX XXXX in XXXX, Nebraska. The check was given to me for damage clean up of my bathroom and laundry room where a toilet had run over and the excrement had gone through the floor. All they had to do was endorse the check as required, and return it to me so that I could pay XXXX XXXX for the work they did. I called them on numerous occasions to ask where the check was, the last being today ( XX/XX/XXXX ). They told me each time that a review was being done and it would take 5 days and then 5 to 7 days en route for the check. On XX/XX/XXXX, as requested, I emailed them a copy of the estimate for repairing my bathroom which is {$8800.00} and has been approved by my insurance company. They told me that would take a review of 5 days as well and I should be getting the check back in about 10 business days. I have no idea what's happening with that. I'm worried now that XXXX XXXX is not going to want to fix my bathroom because they fear it will take months to get payment with XXXX XXXX having to endorse the checks. I understand that XXXX XXXX has an interest in the property and needs to know about things being done but this is ridiculous. I'm embarrassed to call XXXX XXXX and tell them XXXX is giving me the same old story again. XXXX  sent me a letter asking for my homeowner 's association information to which I replied that I don't have any homeowner 's association, I'm in a private neighborhood. I sent them a picture of my house so they could see that it's being cared for. I'm feeling like they don't trust me but for what reason I have no idea. I just want the check and I want it A.S.A.P. Anything you can do to help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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:
On XX/XX/XXXX I spoke with a representative to change repayment plans from SAVE to extended graduated repayment plan. I was told this was put in the system and would take up to XXXX business days to be reflected on my account. It's now XX/XX/XXXX, my payment is due XX/XX/23. The payment due is for the save plan which I wanted to change due to the new repayment plan savings. My payment should be {$250.00} not {$340.00}. I can not get a rep on the phone, because they are so overwhelmed with calls, to see why the change is not happening. What am I supposed to do? They are too busy to take calls, but speaking to them is the only to make a change on the account! I need the repayment plan change before the due date! I can not afford my current payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have dealt with the issue for over 6 months and made phone calls for over 20 times. Every time this bank made a new story about they were processing it and asked me to wait 48 hours or 7 to 10 business days and nothing ever happened. I keep calling and they keep doing the same thing over and over again in a pattern of infinite loop. They told me they may have a system problem and they are trying to understand it. I am pretty sure it would never resolve it without going through legal help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
They do me fraud in my bank account someone called me to offered me a loan and he enter to my account and do reverse in some payments that I made in the past without my authorization then he promised me that I got my loan and they told me to take all that money out from my account snd buy some money cards and gift cards and when I saw he used all in the same day when I sent all the info of the cards that I buy snd told me that the loan money is going to be deposit by midnight but I didnt see no money in my account I cal this Guy in the morning and told me that they have to use all the cards to deposit the loan I complained and hung up I went to the bank to report snd they do all the adjustments and send money bank to the reverse of my payments but all that money I have to put it back in simple words I was victim of scam and they stole my money and my checking account is overdraft is almost XXXX dollars and I dont have the money to put it back and thats why my checking account is overdraft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There is a message on each Bureau " extended alert '' consumer has requested an alert be place on my credit file, do not extend credit without first contacting me personally and verifying information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. see attachments I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation