BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
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:
In XXXX, I initiated a cash-out refinance on my home with XXXX XXXX XXXX Due to an administrative error, XXXX XXXX inadvertently included a relatively low-interest Chase credit card on the list of cards to be paid off and closed within the loan documents, so rather than scrap and restart the process, I agreed to close the Chase account and have it paid off. After the refinance process was complete, I assumed that all accounts were successfully paid off and closed, until I received a call from a collection agency the following year regarding a debt owed to Chase for {$220.00}. I contacted Chase and explained the situation, and they agreed to disregard the additional interest charges and penalties and accept a payment of {$75.00} to settle the debt, based upon the original unpaid interest charge of {$73.00} on a final payout of {$6700.00}, which was apparently due to the fact that Chase received the payoff check from XXXX XXXX XXXX DAY after the final statement due date. Again, I thought that the matter and account were closed, but the following year, after being denied several applications for credit, I learned that the top of my XXXX credit report highlighted my former Chase account as an Account with Adverse Information with multiple delinquencies of 120 days following the account closure, despite all other payments on my entire credit report being on time. Upon contacting Chase to request the removal of the Adverse Information from my credit report, I was told that when I created a Chase web account to print off a final statement for XXXX XXXX, I allegedly agreed to only receive electronic communications from Chase on my soon to be closed credit card. Chase could not produce any evidence of electronic notifications sent to me regarding the account or additional charges, but from my email records I discovered that the only email that Chase had sent to me was a notice that my online account ( on my closed credit card ) had been suspended because I signed in from an unknown device. Chase continues to deny that the Adverse Information on my credit report is inaccurate and misleading and refuses to have it removed, so it will remain there and ruin my credit report for XXXX more years. While XXXX allows a consumer statement to be included on the credit report, it not only appears below the Adverse Chase information, but its buried at the very bottom of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: SC
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 name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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: Their investigation did not fix an error on your report

Complaint:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete 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 2021-02-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I talked to a Mortgage Specialist from TD BANK on XX/XX/2020 and filled my application the following day. 
During the 1st call with the Mortgage Specialist, I decided to keep the rate floating as I decided to wait for few days to think about it. 
The reference rate was 2.75 % with a {$1200.00} points credit. 

I finalized the application very quickly and uploaded all the required documents to not lose any time during the process. 

On XX/XX/2020, I decided to lock-in the rate, but I was not able to reach the Mortgage Specialist. 
As stated above, between the dates XX/XX/2020 to circa XX/XX/2020, I made several calls ( left voicemails as the Mortgage Specialist was never answering the phone ) and sent emails to lock the rate.

When I finally got an answer from the Mortgage Specialist, I was told that the rate went up from 2.75 % to 2.875 % with points costs. 
I explained that I sent many emails to get a callback and left many voicemails but I was told that he never received my emails. 
I decided to escalate my complaint to the supervisor, it took few days to finally get a negative answer to have the rate locked to the initial rate of 2.75 %. 

During these 2-3 weeks or so, I was very stressed as every time I was begging to have the rate locked, the lender was telling me that the cost ( of pints ) was increasing. All this stress in addition to the difficulties brought by the pandemic had a very bad on my mental health.

I was very disappointed that TD Bank 's only excuses explaining the lack of responsiveness to my several attempts to lock the rate was " technical issues and emails not received ''.

I am filing this complaint now, several months after the closing, as I needed to have a smooth closing.

I have copies of all the emails exchanged between the Mortgage specialist, the different supervisors, and myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged overdraft fees of {$35.00} when I should not have been charged on more than one occasion.. the funds that were said not to be in my account were in fact available in my account. I was also charged numerous times the XXXX XXXX  monthly fee when I should not have been charged. I met the requirements to not have to pay that {$10.00}. For example last month XXXX they charged me the XXXX XXXX  monthly fee and should not have. As we as the two months before XXXX and 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 2020-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX Hazard Insurance was paid to XXXX {$860.00} that was not even due yet until XXXX. I told CitizensOne Bank which is a branch of Citizens Bank that they wrongly paid XXXX. They told me it would get fixed. No refund yet then On XX/XX/XXXX They paid Hazard Insurance again {$750.00}. Then I get a letter stating that I owed them back for some kind of repay on escrow advance plus my mortgage would go up {$100.00} if I did not pay roughly {$1200.00}. to fix it. I called and complained. Come to find out they payed someone else account at XXXX. I would have had to wait until my insurance company to return the money before they credit {$860.00} back into escrow. I went ahead and pulled out of my savings to correct the mistakes they made. XXXX XXXX, XXXX CitizensOne paid hazard again to XXXX {$690.00} they paid someone else account again. I called and made another complaint as to why they keep paying XXXX. I called XXXX and they said they had no such payment. I kept calling Citizens to fix it and got on a conference call. XXXX recorded conversation and Citizens said that it was their mistake and that the payment would be canceled. XXXX XXXX, XXXX CitizensOne paid XXXX Hazard Insurance again {$750.00}. XXXX said they can not give money back because it i not in my account to give back. Every time i make my Monthly payment my escrow stays {$0.00}. It goes to a repay of escrow advance. Now I got back {$750.00} but they still have not given me back {$690.00} and if any fees for some kind of repay in advance there is none given back either. This whole account needs to be looked at because there is no telling where else they hurt me. I am afraid of any foreclosure due to no money in escrow. I should have plenty by now. I have given them a lot of time to fix and yet still no fix. The one that was suppose to look into this is XXXX XXXX office chairman at CitiznesOne. Clearly I have been done wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion doesn't reply to any correspondence moving forward i will only sent certified mail XXXX  Sales Financing XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion XXXX XXXX Cards Issued by Finance Companies XX/XX/2021 TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/2021 TransUnion

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 2023-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, I am reaching out to you because have been overlooked in a recent NJ class action lawsuit against Navient for New Jersey student loans borrowers. I had Navient as a loan servicer for the last 10 years. The Attorney General XXXX of New Jersey sued Navient for restitution in the case where it was determined that deceptive trapping and/ or deceptive, misleading tactics by the Student Loan Servicer were carried out. I have a loan in the amount of {$71000.00} ( Split into two types of loans XXXX XXXX XXXX XXXX XXXX ) the original loan started at {$20000.00} and I was advised by Navient to continually put my loan into forbearance for years going back to XXXX approximately. I read the FAQ 's for the AG lawsuit that the loan will be wiped out for all NJ borrowers from Naviant by XXXX XXXX Mine has not gone away yet. It's now XX/XX/XXXX. I even wrote the NJ Attorney General XXXX about this in hopes that I would not be passed over some how, however I did not get a response yet. I also contacted the Navient Settlement administrator, and they wrote me back claiming they have no record of me in their system. This is a lie, and I am being cheated. I get calls from navient currently about servicing my loan so there is no way there is no record of me. This debt has affected and plagued my life in every way. I have struggled every time when trying to acquire a credit card, a car loan, and even when attempting to purchase a first home. My credit score has suffered immensely, and in all phases of my life, I have always suffered from higher interest rates and or had to put up my own money in cash for a secured credit card. Any time I had to buy a car I would not get approved for a loan and I would have to pay a lot of money up front just for a chance to get approved for a high interest loan. That is not how it's supposed to be for a working-class citizen and a XXXX XXXX  XXXX 
Here is the link to the Attorney General article. I am demanding that Navient immediately clear my debt as I was involved involuntarily in their plot for run up loan amounts with high interest rates. I fall into this category of borrowers that the Attorney General mentioned. I have my loan documents and recorded calls to prove what they ( Navient ) told me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Capital One is constantly making inquiries about my credit and it causes me credit score to drop ... I have not applied for a credit card from them so there should be no need for them to always make inquiries. I attached an image showing 2 inquiries in the past several months and looking at my credit report see that Capital One makes yearly inquiries and it takes 24 months for them to be removed. 

I do not have a Capital One credit card or any other type of credit from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX  Bankruptcy Case Number : XXXX Delete From My CREDIT REPORT 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Delete From My CREDIT REPORT 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX  14. The following personal information is incorrect Account Number : ALSO KNOWN AS : 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 non-monetary relief
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: TN
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:
upon checking my credit report i noticed that i have fraudulent accounts on my file. i reached out to fix problem but i have not been help in any way from the crb

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I sent PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX a debt validation letter via certified mail. I instructed PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX to cease collection of the alleged debt while efforts are made to obtain verification. Until they resolve this error with the creditor any reporting of this matter to credit reporting agencies is premature. Until they have investigated my dispute, they should not relay negative information to any credit reporting agency. PORTFOLIO RECOVERY ASSOCIATES , LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has been consistently breaking federal law! It has been well over the allotted time need to address my demands and they are intentionally and deliberately disregarding my notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bank of America used my checking and savings, processed illegal wire transfer from my accounts to accounts that I dont know. They used abusive languages and created fake accounts stating that I have been borrowing money from the bank, the banker who did that is XXXX XXXX in cooperation with his manager, from XXXX XXXX branch. They closed my cash management debit card that had XXXX XXXX dollars without wiring the funds to another account or creating a new one. I asked their subsidiary XXXX XXXX to send me a cash management debit card, but they did not reply. They keep on sending me supposed cash rewards credit cards with a credit limit of XXXX XXXX and an automated robot that blocks my activities.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three companies ( XXXX, Experian, XXXX XXXX demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the XXXX breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this. 

XXXX made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?

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 2022-04-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
This is a complaint about MoneyGram and their REFUND for canceled transactions.

There are two instances where MoneyGram was supposed to refund the money to my debit card ( the method of payment ) within XXXX business days and failed to do this. 

Instance # 1 {$600.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX could not reach the agency to pick up the money due to the pandemic lockdown. I canceled the transaction and received an email on XX/XX/XXXX from moneygram saying the following : " Your transaction has been canceled and will no longer be processed. We will refund the account you used to pay for your transaction. Refunds to a credit or debit card typically take XXXX business days. 
While the funds have been withdrawn, your bank XXXX not show a charge immediately. '' *** this money was never deposited or reverted to my debit card Instance # 2 {$100.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX went to pick up the money in XX/XX/XXXX and the agency said the money was no longer available and that they had cancelled the transaction at that time. They told my receiver that the money would be refunded to my debit card within XXXX business days. 
*** this money was never deposited or reverted to my debit card In my complaint " cases '' with MoneyGram they emailed me the following today ( XX/XX/XXXX ) : '' If the money is still not posted back to your account, kindly present the cancellation email from MoneyGram to your financial institution/bank for proof that MoneyGram successfully refunded your transaction. Please talk directly to a card XXXX. '' I called my bank today XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they were trying to submit a complaint to their card services who said I can't no longer do that because VISA rules are for challenges to be within 6 months. 

Somebody has posession of this {$700.00} and we don't know whom. This is not right and I would indeed like for MoneyGram to have something explicit on their website that if the money is not refunded within the XXXX business days that the consumer has X amount of time to file a complaint.

Company response to consumer: Closed with monetary relief