BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023, I purchased XXXX garbage bags packs for {$850.00} from XXXX to be delivered in XXXX, and it seems the company is called elite electronics, but I am unsure as a lot of this is fake since they are scamming and not going by real names. A few days later I received a bogus tracking number, which XXXX confirmed over the phone, came from XXXX ( i didnt purchase from XXXX XXXX and was going to somebody else ( they wouldnt tell me who since it was a different address and name ). I disputed the charge and waited to hear back from Chase. A few weeks later I get an email from chase saying to open the letter on my account, but I was checking my personal account for the letter, since it wasn't being specific about which account to open. I called chase and asked and they told me to ignore because it was an error. Eventually I see I was rebilled for the {$850.00} so I called Chase on XX/XX/2023. They explain to me that they tried to call me twice and left a voicemail ( I didnt get any ). They tell me that since I didn't answer they closed the case and can not reopen it as too much time has passed and the other party provided a tracking number which says it was delivered to the same city ( I told them I dont live in the entire city, I have a specific address and UPS confirmed it wasn't delivered there based on the tracking number provided ). I explain to them I never got the product and it was scammed but theyre unwilling to open the case. I never received any written communication about this or anything. I was also under the impression that my purchases were protected and that is why I got the credit card in the first place. In my fury and in hopes of using the closure of my account to persuade them, I asked to be transferred to someone who can close my account. They transfer me and the person asks me why I want to close my account. I tell them why in hopes that they want to retain me as a client and willing to work with me. Instead without warning or explanation of any consequences my account is immediately closed. I lost about ~ {$1000.00} worth of credit card points that I had no intent of giving up. I was never told this would happen if i closed my account, I was never warned about anything, just suddenly closed. Chase obviously didn't do their due diligence here, it is required by law that they do proper due diligence which includes calling XXXX and confirming this information, it also includes checking proofs of delivery and not accepting the same city to mean the same address, also means matching signatures of buyer and person who accepted the package.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX  XXXX I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence.

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 2019-07-13
Company: Northstar Location Services, LLC
State: WV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
All of my student loan debt ( federal and private ) were pulled together ( consolidated ) several years ago. These debts are currently under an XXXX plan with US dept of Ed via XXXX XXXX XXXX XXXX. One remaining private loan was paid off in full last XXXX by a cosigner and myself, to the tune of over 3 thousand dollars. I have repreatedly requested XXXX, and any and all companies they have turned my debt over to, prove this dept to me. No proof has come forth and now this mystery debt has been bounced by XXXX to yet another debt collector, Northstar Location Services , LLC. Who has now sent a collections notice to me dated XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was told that I could not request a lower payment or request a deferment for the student loan sometime after XX/XX/XXXX. I was out of work from XX/XX/XXXX-XX/XX/XXXX. The payments stayed around {$400.00} or more dollars the entire time of the loan. I request for lower payments because my total student loans were over the minimum percentage of my income. Sallie Mae still refused to lower my payments. As life happen and I to pay for emergencies and necessities over a {$400.00} student loan. When I did get scholarships to help pay for my student loans, Sallie Mae did not take the amount to my principal but to my interest. Therefore the scholarships were worthless because it would only cover about 3-4 months of payments.

I took FMLA recently and was unable to make any type of payments. I can provide documentation if need be. Before I knew it, my entire student loan was sent to an aggressive collection agency called XXXX. They have contacted my work via phone calls and emails. 

The majority of the amount I owe is mostly from interest accrued not the principal. I wish I had never gone to this college and gotten into this undying debt. 
These interest rate calculations for these students loans are pathetic!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2019-07-13
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, Midland Funding LLC filed a false claim against me in the District Court of Maryland   for XXXX XXXX stating they were the owner of an account I had with XXXX XXXX   in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX , XXXX, a XXXX   XXXX XXXX XXXX ( the " Seller '' ), and Midland Funding LLC, a XXXX XXXX XXXX XXXX ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with XXXX XXXX. Midland Funding LLC is not the legal account owner of any accounts I previously had with XXXX XXXX. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX XXXX  XXXX, who represented Midland Funding LLC according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that Midland Funding LLC was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out Midland Funding LLC had violated the Consumer Financial Protection Act of 2010, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Midland Funding and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX I opened Acct XXXX with Citizens Access using a XXXXXXXX XXXX check for {$8000.00}. 2 Days later Citizens access later closed my account without telling me why. 

I called Citizens 4 different times and each time I was told that they could not refund the money to directly. XXXX XXXX  would have to fill out a 'form ' and request that funds back on my behalf. 

I called XXXX XXXX  3 times and each time was that there is no 'form ' to fill out. 
It is not something XXXX XXXX does once funds clear ( which they did on XX/XX/XXXX ) So Citizens refuses to return the {$8000.00} to me. 
XXXXXXXX XXXX say they can't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
i called wells fargo today and was told the case specialist closed the case saying there is no claim.. saying they contacted me in XXXX. which they did not. every word they have said is a lie. i am one of many who have been ripped off by the bank. 
the court filed a claim for me. then asked them to contact me .. they are refusing to honor the courts request.. 
i can only wait for the letter and send you a copy.. from what i was told today it said i did not do what they asked in XXXX. that i am to show proof that i represent my mother when the cashiers check was written to me.. not to her.. 
i gave you all the info... I am aware of the fact that the state dept was going to put me in XXXX for XXXXXXXX XXXX. and XXXX which i did not do. i am very grateful that they clearned my name of any wrong doing. 
i have no recourse but to complain to you. 
thank you for your time please do something for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I basically did all the homework on this and figured it all out. Loan Depot rolled {$520.00} into my loan during the money shuffle without disclosing it. 

I refinanced my house in XXXX with a settlement date of XX/XX/XXXX I discovered it while closing out my accounting books for XXXX using double entry method. The strange thing is that the only way I was able to catch is because the losing lender pocketed {$320.00} in overage that they never gave back to me. At any rate, the summary is below. 

XXXX XXXX UNPAID BALANCE GOING INTO SETTLEMENT $ ( XXXX ) was the principle left to pay going into the settlement {$510.00} was my additional payment of principle on XX/XX/XXXX $ ( XXXX ) was the final adjusted principle left to pay going into the settlement $ ( XXXX ) was the Reconveyance Fee going into the settlement $ ( XXXX ) was the County Recording Fee going into the settlement $ ( XXXX ) was the Expedited Delivery Fee going into the settlement $ ( XXXX ) Is the total Unpaid Balance ( UPB ) going into the settlement ( sum of the above ). 

LOAN DEPOT SETTLEMENT ACTIVITY {$260000.00} was sent to XXXX XXXX by LOAN DEPOT $ ( XXXX ) was the new loan amount at LOAN DEPOT $ ( XXXX ) is the difference between what was sent and the new loan amount. 

ALL DISBURSALS BY XXXX XXXX ( WHETHER COMPLETE/INCOMPLETE ) $ ( XXXX ) Is the total Unpaid Balance going into the settlement ( sum of the above ). 
{$260000.00} was sent to XXXX XXXX by LOAN DEPOT {$1500.00} Overage $ ( XXXX ) XXXX XXXX disbursed this amount to me as a result of overage {$320.00} Is the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 

LOAN DEPOT AMOUNT THAT SHOULD HAVE BEEN ROLLED INTO THE LOAN {$8000.00} XXXX XXXX Disbursed this amount to me from the Escrow {$1200.00} XXXX XXXX disbursed this amount to me as a result of overage {$320.00} In consideration of the amount of overage that XXXX XXXX failed to pay out to me, which I am recovering. 
{$9600.00} Is the total amount ( sum of the above three ( 3 ) figures that should have been rolled into my Loan at LOAN DEPOT. 

$ XXXX XXXX ) LOAN DEPOT ( New Loan Amnt Funds Sent to XXXX XXXX XXXX {$9600.00} XXXX XXXX ( Disbursals Whether Complete/Incomplete To Buyer ) $ XXXX XXXX ) Is the amount that was rolled into my new loan at LOAN DEPOT that is unaccounted for. @ XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: AZ
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 am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file : 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

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 2023-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Two Bank of America employees filed a false report to Adult Protective Services. When their claims were unfounded, they maliciously closed my account before I could. This may affect my ability to open another account elsewhere.

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 monetary relief
Consumer complaint received 2022-12-06
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 some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and 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 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

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 2023-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.

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 2019-04-29
Company: Credit Plus 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:
To : CREDIT PLUS XXXX XXXX XXXX XXXX, MD XXXX XXXX From : XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX Date : XX/XX/2019 REF : Courtesy Credit Inquiry Removal Instead of Fraud Investigation. 
Dear Sir or Maam, It is my third time writing a letter to your company. I recently conducted a review of my credit report, and I noticed Credit Plus put several credit inquiries on credit report that I find to be problematic. 
I know they are not mine, and they are fraudulent, but I dont have ( 30 ) thirty days to wait on an investigation, which I know I will win. I need to remove these inquiries very soon so I can get my V. A. loan for my house, please? 
I have no recollection of doing any business with your company in my life. I got an auto financed with XXXX  XXXX, I watched the finance manager called this company, and I saw him send my application to this one company only. 
I contacted your company and asked you all to take action and get these inquiries removed from all three credit bureaus. Your employees assured me they would comply with my request and take whatever steps necessary to resolve this issue. It is my last result. 
I wanted to file this as well and make sure this gets done. 
I am begging your company. Please investigate this and have these inquiries removed at your earliest possible convenience. I am applying for another home mortgage this week. 
I would very much like to have the assurance my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings soon, and I am begging. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX. XXXX XXXX

Company response to consumer: Closed with explanation