BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check into my business account ( XXXX XXXX XXXX ), chase bank put a hold on it for 7 days, the check cleared and was good. Chase decided to restrict my account due to the fact that they did not have a verified phone number for the company to call and verify the check in their system, even tho the check cleared weeks ago. They claimed that a notice of restriction was sent to me on XX/XX/XXXX, I did not receive no notice until XX/XX/XXXX. I stopped by a local branch and spoke to a branch banker who tried to help me, but the next day on XX/XX/XXXX Chase closed my account claiming that 10 days has past by and I did not resolve the issue. They are holding my money in the amount of {$30000.00} and will not release it to me. They are claiming that they dont have a verified phone number to call and verify the check even tho the check cleared weeks ago. I provided them with a phone number I obtained from calling XXXX for the business, but they keep lying and claiming its not verified in their system. I spoke to multiple supervisors on the following days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They all keep lying to me and claims that the phone number is not verified in their system, and each one of them would give me a different story, the are holding XXXX XXXX dollars of my hard earned money and I need help getting my money and reporting JPMorgan Chase for their ways of trying to scam business out if their hard earned money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: AL
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:
I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
XX/XX/XXXXand Equifax all list the following inquiries which I am not responsible for : US SM BUS ADMIN ODA ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX ( Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX ( Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Miscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX ( Bank ) Inquiry Date : XX/XX/XXXX XXXX ( Finance ) Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an XXXX of 11 years. I had a mortgage account through Nationstar. I applied more than 12 times to their Uniformed Borrower Assistance Program in an effort to keep my home. My home was listed for rent and rented out, however those individuals who moved in did not make any attempt to pay their debts and resulted in an eviction through the county of XXXX XXXX. During this time I applied through Nationstars program several times with multiple failed attempts. Their process was not thorough, direct or even remotely close to customer service as it should have been. I had to make dozens of attempts for communication, I did n't know where to look for the status of the application, many times I was told I was missing information when I had already submitted it to the representative either via email or through their website. 

The end result was a Died in Lieu of which closed in XX/XX/XXXX. Recently an inquiry on my credit report indicated Nationstar had reported a 120 late payment notification as of XX/XX/XXXX. This negative inquiry in my credit report resulted in a referral ineligible when applying for a new home loan. This is an inaccurate report and very inconvenient to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: IL
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 looking through my credit reports from XXXX XXXX and TransUnion and I noticed my information was on the XXXX XXXX accounts I never applied for some one using my identity XXXX XXXX XXXXXXXX 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 2016-10-24
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 2 years beginning XX/XX/XXXX, XX/XX/XXXX our mortgage company, Nation Star Mortgage, has contacted us that we are overdue on our payments and charging us a penalty. We use there auto-deduct system and for some reason it works every other month. I contacted our bank and they say we have had the money in the account so that have n't denied a request for auto-deduct payment. Then we start getting calls from a automated message stating we are behind in our payments. My wife and I have called the number they left and it takes about 30 minutes of saying no to questions by another computer generated recording until we get a real person. Then the person ca n't really help us and wo n't bump us up to someone in management. I am concerned there may be some kind of scam going on. I pay my bills and have n't had any other problems wit h any other creditors. Is there some way I can get this situation looked into?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
US Bank Im absolutely a Veteran. US Bank was charging me charges that were not supposed to occur on a military account. 
Then I had a contractor commit bank fraud on my account and they would not help me this happened between XXXX XXXX of 2022 Earlier in the year I had an unauthorized with being over charged by a hotel and they would not help me. 

Instead they continued to charge me overdraft charges, meanwhile they were overlooking BANK Fraud by construction contractors and others who I have reported. 

In 20 years I have never seen so much unethical practices and illegal activities in my entire career. 

So now US Bank shut my accounts down, the victim of bank fraud and they told me that I dont meet the requirements of being a military or veteran member.

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 2022-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; US SM BUS ADMIN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received the attached debt collection letter from the local law firm of XXXX XXXX XXXX XXXX XXXX, falsely claiming that I had an account with FIA Card Services and owed them {$12000.00}. The letter asked for a response before XX/XX/XXXX and also pointed me to the CFPB website to learn what my rights are. 

I will send a letter to this law firm denying their false claims, but first wanted to file this complaint after reviewing what the CFPB can do, because I am concerned with the age of this fake debt ( 14 years ) and that it is being pursued anew. I am glad I kept records of the difficulty I have had over the years relative to clearing serious identity theft. 

Attached are police reports affirming that I was indeed the victm of identity theft on multiple occasions over 20 years ago. I continually had to fight new charges or new accounts that would pop up and did not belong to me. In early XXXX, I worked with a reconciliation representative of Bank of America ( B of A ) to go through XXXX accounts to determine what was my debt and what was the additional debt caused by identity theft. We came to an agreement of XXXX different amounts and I authorized B of A to deduct those funds from my bank account. They sent me XXXX confirmation letters stating nothing further was owed, also attached. 

But a third B of A account also appeared in XXXX. They alleged I had their " World Points '' credit card ending in # XXXX ( see statement sent to me ). None of the $ XXXX owed was my debt. I never travelled at the time and received no financial benefit from this travel card. I contacted the same reconciliation department who determined that B of A could provide me no written proof that I had ever personally applied for their " World Points '' promotion. Therefore, B of A was not authorized to deduct funds for this debt. 

It appears FIA Card Services bought the old XXXX Bank of America credit card account ending in # XXXX, and hired the XXXX law firm to falsely claim the debt was originated from them. Again, I have never had a FIA credit card and am disputing I owe them any money whatsoever.

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 2023-01-26
Company: Levy & Associates, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company on XX/XX/2022, and made a payment in the amount of {$2000.00} out of {$2600.00}. I was advised that a wage garnishment had already been sent to my employer however the balance would be updated accordingly. TO DATE, my employer has sent {$1400.00}. XXXX payment of {$460.00}, {$470.00} and {$480.00}. This is more than the balance owed. They are illegal charging me daily interest on a balance that is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Convergent Resources, Inc.
State: TX
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:
Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EdFinancial Services
State: MA
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:
Edfinancial services " lost '' my XXXX payment during their internal platform transfer. After providing documentation they finally credited my account with the payment. When the account was credited the applied the entire payment to 3 of my 8 loans. This not only caused me to retain a delinquent balance but they also applied the payment to 3 accounts with lower interest rates. When interest resumes in 4 weeks this will cause me to pay higher amounts of interest them as compared to if the payment had been structured correctly. They refuse to escalate my call beyond customer service, will not give me a timeline for this to be corrected, and have stated that receiving a audit/paper trail will take minimum 33 business days. In addition, they will not correct my account to non delinquent meaning that I have to reallocate upcoming payments to fix this, which if they someday process the request to correctly allocate the original loan will cause even more headache.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My Card was stolen while I was away, I have filed a claim with the company and it has been denied and now pending for months. I have sent over several supporting documents to the company as they requested and still havent done anything to fix the situation and havent received any updates or my money back. They have no information or feedback regarding this situation for me. Worst bank ever

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