BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: Freedom Mortgage Company
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
Our mortgage was sold in the last months from XXXX XXXX to Freedom. We received noticed from XXXX XXXX to not send them anymore payments about 10 days before our payment was due. It had the old loan number on it. I moved the address to Freedom and left the loan number and made the XXXX payment ( {$800.00} ) and the XXXX ( {$800.00} ) payment. In XXXX we received notice that we were behind. I logged into Freedom, made exact amount via their website and started talking to them via online communications about the missing payments. I sent everything I had access to from XXXX XXXX XXXXXXXX. They told me they needed other information. I requested it and received the XXXX information in the mail and sent if via their secure site to them. They found it and credited out account. I did not receive from my bank the XXXX information so I called again. They got on the phone and called Freedom. The next day they faxed to the number they were given the information on the XXXX payment. I reported this to Freedom who replies yes the XXXX payment was already resolved. 

I went back and said no XXXX is resolved they sent confirmation for XXXX. They keep responding to me about XXXX. So a XXXX time I called XXXX XXXX XXXXXXXX and did a 3way call to Freedom and repeated the fax process for the XXXX payment. Again telling Freedom via secure communications this occurred. They again replied yes we already processed XXXX and keep telling you this. 

Freedom will not find or process the XXXX payment, I admit I am at fault for the wrong account number. I have asked for a direct number to talk to someone about my loan and I get the 800 on all their paper work. When I call I get " oh we have to transfer you, your a special loan and never get to anyone ''. In addition at the time of transfer my unpaid balance was was {$2100.00}. After applying the {$800.00} payment and the 1 time payment of XXXX they are showing a balance owed of {$1400.00}. So, how do I owe more with the change in companies. I am told its how they calculate verse how XXXX XXXX calculated. That is a {$780.00} difference at the end of my mortgage. 

I need Freedom to find the fax that was sent twice from XXXX XXXX XXXXXXXX for the XXXX {$800.00} payment and apply it. Than I will pay off the balance of the mortgage. I also need this off 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 explanation
Consumer complaint received 2022-11-12
Company: BARCLAYS BANK DELAWARE
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to engage in a consumer credit transaction by applying for an open ended credit account with Barclays Bank Delaware on XX/XX/2022. 

I have since received a letter stating that they are unable to approve me for a XXXX XXXX credit card. 

Have I been XXXX XXXX 

As a consumer, I have read Title 15 USC 1691. I believe the law has been violated in this case.

I did not authorize the sale of any of my private information and I wonder if any of it has been sold by Barclays Bank Delaware. Is there a law prohibiting the unauthorized sale of my information? The application was filled out online, but I also wonder if a form XXXX was filled out in connection with this transaction. 

Also, I believe mail fraud XXXX have been committed in the delivery of this communication from Barclays Bank Delaware as there is no cancellation of a stamp on the envelope that contained this letter. I have uploaded a copy of the letter and the envelope with this submission. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This collection from XXXX XXXX XXXX  is fraudulent and dose not belong to me please remove from my credit report account # 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 2015-12-11
Company: U.S. BANCORP
State: MT
Product: Credit card
Issue: Billing statement

Complaint:
When having my credit pulled, to purchase a house, a late payment was identified on my report. The late payment was a result of US Bank charging an annual fee for a credit card and not sending an invoice. I had a XXXX dollar balance so I never thought to look. US Bank agreed to dismiss the charges but required a written notification to reverse the negative marks on my credit report. 

I submitted the request and was told I would receive a response within 30 days. That time has come and gone and I have received nothing. I tried to contact US Bank 's credit department but was told they do not have phones or take calls. No one can tell me if/why/when the negative marks will be removed from my report. In the mean time this single instance of a {$49.00} late fee ( that was removed ) lowered my credit by XXXX points and will cost me {$1000.00} 's in interest over the life of a new mortgage. 

I would like to be able to contact US Bank and discuss this issue directly and resolve my credit in a timely manner. Is there anyway to force them to speak with me or any other actions I can take? Do I need to sue US Bank to resolve the issue and can I sue them for the future interest that I will pay? I very much doubt I will sue them for {$49.00} but maybe XXXX would get their attention.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from 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 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}

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 2022-11-08
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid via Medicare/Medicaid I do not own this debt nor do I have obligations as a Consumer to pay " medical debt that's been paid

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$4000.00} is the amount.My information was sold to this company without my knowledge and they are damaging my consumer report file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, 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:
Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, XXXX, EQUIFAX, AND XXXX are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX, I went to my local Chase Bank to open a First Checking account for my son. The gentleman told me I needed to open the account online, which I proceeded to do while in his office. He told me that the opening deposit had to be a transfer from my account into my sons, but that going forward my son could deposit funds at a chase location. I tried to fund the account online while at the location, but it told me there were issues and to try later, I told the gentleman, and he told me there must be an issue with their system. I tried to fund the account on Sunday, only to be unsuccessful. I called Chase and was told that I was the only one who could fund my child 's account and since there were technical difficulties all they could do was issue me a ticket number to have the issue resolved. So, because they had IT issues, there was no way for them to even make the transfer for me to fund the account. NO ONE can add funds to the account except me ONLINE. They told me it would be resolved within 48 hours. They also told me that I was incorrectly informed at the chase location and that the only way to EVER fund the account was through a transfer. FIVE days later, I still can not put funds in the First Checking for my son. I have received the debit card, but my child can't use it because of the internal issues with the account. I called and checked on my ticket today and was told it was still open and that someone should call me soon. It's pretty deceptive to advertise an account on their website that can't be funded and knowingly has internal issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2022-01-22
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
It is my understanding that all student loan payments have been paused til XX/XX/XXXX. Navient has not paused mine and they are calling and emailing me to make a payment and threatening to report to the credit bureau. I am currently going through a divorce and right now I can not make payments and they won't help me. Right now it is showing over XXXX past due and it is getting out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: DISCOVER BANK
State: NH
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 reviewed my credit report and it shows a home equity line of credit, a mortgage and auto loan. The HELOC was XXXX, the auto loan XXXX and the latest Mortgage is XXXX of XXXX. I was told that when my mother died she left a will and some property or assets to me but my living grandmother forged her will. Which once the home was sold in Florida my mother owned, things began showing up on my credit report. The mortgages and loans all occurred while I was unaware of any thing? I would like to get the information and possible rights to what property belongs to me? I have XXXX noticed my living grandmother has bought and sold multiple properties and the information. And addresses on my report all match the properties my grandmother owns lives in

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Continued part 2 ( XXXX ) I received a letter from Synchrony bank letting me know they found missing payment of {$50.00} from XXXX and would post in XXXX. 
The original bill was {$230.00} a {$50.00} dollar inconvenience gift and a temporary credit of {$50.00}. When I looked I saw my bill was {$280.00} and I had not used card. What appears to have happened is the temporary {$50.00} dropped off but they did not apply the lost payment. 
1 ) I was told due to a credit of {$30.00} for late fee?? was posted twice 2 ) Then I was lied to by XXXX that they never received the check even though it is showing posted. She then in the same XXXX breath stated she would send the check ( that she never received ) back to me. 
A ) Is it applied or not? Why or Why not they have the money order they sent it back the first time. I sent it with attached documentation of where it should go. 
B ) After XXXX tells me she is going to send the money order back she then ask for a fax of stub?? this makes absolutely no sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BARCLAYS BANK DELAWARE
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 my wallet was pickpocketed at XXXX in XXXX, XXXX Thieves immediately used my Barclay Credit Card to make a {$500.00} purchase at said XXXX XXXX I notified Barclay of the theft that day by phone to XXXX in customer service. I received a Barclay letter dated XX/XX/2022, attached. Subsequently I received a new card that was activated on XX/XX/2022. 
My XX/XX/2022 billing statement charged me for the {$500.00}. I called at XX/XX/2022 at XXXX, when customer service picked up they hung-up at XXXX. I called again and spoke with Relationship Manager XXXX XXXX her the XXXX Police case # XXXX. She transferred me to the Fraud Department at XXXX where I was again cut-off at XXXX. XXXX I called back speaking with XXXX in the Fraud Department , who informed me that the investigation was still on-going so the charge would not be removed until after they confirmed it was fraud. She insisted that I must pay the {$500.00} amount plus any interest or late charges due to that balance, even though it was still under investigation. 
I know better : payment would mean that I accept the theft amount as a XXXX XXXX purchase. 
XX/XX/2022 XXXX Police Department released their final report ( attached ). 
My XX/XX/2022 certified letter to Barclay ( attached ) explaining the theft with a copy of the police report and other attachments was received XX/XX/2022. 
My XX/XX/2022 billing statement still reflects the {$500.00} plus interest of {$11.00}. 
Now Barclay is telephoning and emailing at least every other day claiming I am past due, that I owe these charges, etc. 
XX/XX/2022 XXXX I spoke with XXXX, an Account Manager in the Debt Collection Department XXXX I explained the situation and asked for a contact number, name of a person, and address for Barclay Legal Department. He claimed there is no number ; no legal department. 
Hence, I am writing to CFPB for assistance.

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 2023-06-10
Company: Experian Information Solutions Inc.
State: MA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering err oneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-08-20
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX I l literally had my own personal experience of XXXX XXXX XXXX movie, ON A MUCH smaller scale in Private Banking with JPMC XXXX XXXX XXXX XXXX XXXX {$7000.00}. The entire sr.mgmt team was in the upstairs conference room trying to figure out what to do, how to fix the massive problem they created! for rolling out a so-called LIQUID net product that was never tested properly AND was REJECTED by all major banks, Credit card companies, etc! Apparently, it is now TESTED by me AND FLAT OUT FAILED! I was literally in one of the Private client offices located in the lobby, yelling ; your Liquid net product has stolen $ XXXX of my money for 4 days, I have transmissions/emails from XXXX, XXXX XXXX, my mortgage company and many other firms stating, NON TRANS ACCOUNT, INVALID. give me my XXXX money in cash now! And tell Mr. XXXX XXXX be at the DOJ, FINRA, SEC & EVERY XXXX XXXX XXXX reporting FRAUD! Of course they tried to appease me as the people were gathering & Big time Reputational Exposure for JPMC and as you would expect I said XXXX off, get my money NOW IN LARGE BILLS! 

They finally handed me envelopes with large bills, I closed my New account THAT I opened 10   days ago! I walked to XXXX XXXX XXXX & XXXX XXXX Closed that account, walked to XXXX  XXXX XXXX, explained the fraudulent banking issue with JPMC AND THAT XXXX XXXX is involved again. Then walked to XXXX XXXX XXXX & XXXX XXXX. Opened 3 new Accounts, deposited the money from JPMC and XXXX XXXX. 
JPMC assigned an interal case #, the person assigned has been unresponsive despite the 10+  calls I have made! I am demanding {$500.00} be refunded in bank fees caused by JPMC, PLUS {$5000.00} IN pUNITIVE DAMAGES FOR EMOTIONAL DISTRESS AND NEGATIVE CREDIT REPORTING IMPACTS at XXXX, XXXX agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. 

Account name : # XXXX, has violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief