BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: JPMORGAN CHASE & CO.
State: CO
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:
I tried to make a dispute on an transaction on XXXX with Chase due to poor service. I called merchant first and they refused to refund the money. Then I called Chase for disputing. But they refuse to dispute this transaction and said i dont have the right to make dispute due to poor service, which is not right. The Fair Credit Billing Act protect consumers right to dispute bad service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage/escrow servicer, XXXX has failed to pay the required XXXX XXXX XXXX XXXX XXXX after repeated phone calls, faxes and two " notice of error '' mailed letters. I would like them to pay the entire XXXX amount of {$7100.00} as the first portion is already past due and I have paid 20 months ( since XX/XX/XXXX ) of ontime payments. There is a current surplus of a Escrow Account Balance of {$13000.00} ( as of XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-08
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo continues to charge the PMI on my mortgage even though I asked to have it re-evaluated due to my home being past the 5 year mortgage term and having enough equity. They said they only do that if I refinance. It was said that the PMI was to adjust itself. I also think I was charged fees for when I asked for XXXX relief that should have not been charged. The XXXX relief process was not explained and I ended up paying a large lump sum after the 3 months was up. Im general I think Wells Fargo is not helping mortgage clients.

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 2023-06-12
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I originally consolidated my loans and applied for PSLF/FFEEL on XX/XX/XXXX. My consolidated loans were transferred from XXXX to Mohela on XX/XX/XXXX. I hit my requisite 120 payments on XX/XX/XXXX. I have consistently called and questioned why my account has not been submitted for forgiveness. I even filed an updated Employer Certification in XXXX, XXXX to show that I still work for the same federal employer ( XXXX ) and that my payment count as of that date was 125 months of payments. To date, I have made 128 months of qualifying payments, yet Mohela sat on my account and did not file for forgiveness with student aid.gov until XX/XX/XXXX ( per my most recent call to them ). My loans should have been forgiven over 8 months ago and I am continuing to wait. 

I called today ( XX/XX/XXXX ) to again question the status and was given no answers. Further, I requested information on how to contact the Mohela Ombudsman and was not given information and they even admitted that the information is no longer on their website. When asked for a supervisor, I was refused and told they had " put in a request '' but that " no one was answering, '' I remained on this call for 90+ minutes with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX US SM BUS ADMIN ODA XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX 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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit bureaus stated that the accounts reporting on my report were investigated but how is that possible if dates, addresses, and names are inaccurate. This is grounds for removal. Furthermore, they have violated my rights under 15 U.S.C 1681 section 602A which states that I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written consent and/or instructions.

Also the Credit bureaus took more than 30 days to complete my investigations, here is my certified mail traXXXX 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 2023-11-28
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I havent used this card in months My minimum payment have been increasing Each month and never been late @ until now because They stated I paid less then what was required, but paid on time.

This is insane, Im requesting this credit card company be investigated totally.

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 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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
Consumer complaint received 2023-06-12
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank. 
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account. 
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.

4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.

5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?

I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-11
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I woke up on the morning of XX/XX/2023 to deposit a check onto the Chase online banking app and did so successfully into my checking account but noticed that my savings account which had over {$350.00} dollars in it was completely gone and I was left with only a negative balance I had in my checking account. That was all the money I had and now XXXX cant pay bills or do anything. I contacted the customer service and I was told they closed my savings account the day prior due to inactivity for 69 days which makes no sense. I went to ten branch downtown in person and spoke with a representative there and was still given no clear answers as to where my funds went or why it was closed and she pulled up my activity and it showed I used the checking account multiple times. She called someone on the phone and all they told me was I need to file a claim or I could wait 2-3 days to have my funds available in my checking account but rn I have nothing and nobody can give me any clear answers. Its like the bank just stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to formally a complaint against XXXX XXXX XXXX and request a thorough investigation into the company 's breach of contract. On XX/XX/2023, I initiated an arbitration process against XXXX XXXX XXXX. However, I have recently been informed by the XXXX XXXX XXXX XXXX XXXX ) that the case has been closed due to the company 's failure to fulfill its arbitration fees. Attached herewith is a copy of the letter I received from XXXX. 

Case information Case number : XXXX It is evident that XXXX XXXX XXXX is evading its responsibilities and engaging in unfair practices towards its clients. As per the terms of our agreement, any disputes should be resolved through arbitration. However, the company 's non-compliance with the arbitration fees demonstrates a clear disregard for its obligations. 

I request that a thorough investigation be conducted into XXXX 's conduct and the breach of contract. It is crucial to hold the company accountable for its actions and ensure that fair and just practices are upheld in all business dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX/DEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX XXXX : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX 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 2023-06-13
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I flew into XXXX XXXX XXXX and my luggage was stolen. Inside the luggage were my drivers license, birth certificate, social security card, and debit cards. Over the course of a few months I began to notice that my information was used to obtain medical treatment, credit, banking accounts, and public service utilities. I contacted XXXX, XXXX and XXXX respectively to make them aware that there was debt incurred fraudulently and that it was reporting negatively to my consumer report. I disputed those items and placed fraud alerts on my consumer report over the years but XXXX, XXXX and XXXX continue reporting each fraudulent account despite my numerous disputes over the last 7 years almost. A police report has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Cascade CISS Holdings, LLC
State: PA
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 noticed some unauthorized inquires on my report and in accordance to the FCRA. I would like this unauthorized inquire removed from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I fell behind on payments in XX/XX/2023 because I was laid off in XX/XX/2023, and I called Chase to make payment arrangements and did not received any assistance ( payment plan options ) that would allow me to bring the account current. The agent told me to make as many payments as I could, that was the only solution offered. 
I received a letter from Chase card services in XXXX which offered the opportunity to pay a lower monthly payment or settle the account. I called Chase on XX/XX/2023 to discuss payment options because I am currently on a fixed income ( until XX/XX/2023 ). The first agent I spoke with offered to settle the amount which would require a down payment of {$370.00} and pay off the remaining amount within 3 months. The agent did not give a total settlement amount ; he only asked me if I could pay 25 % of the balance. My response was " no '' because I couldn't commit to paying a balance that was not disclosed. I disconnected the call from the first agent which lasted about 15 minutes. 
I called a second time on XX/XX/2023 and spoke with two different agents that asked me questions pertaining to my current income and expenses. The agent offered a credit counseling service which is an in-house non profit organization. I told the agent that this service was not something I needed and a payment arrangement with Chase card services was the only resolution that I was seeking. I was transferred to a manager and during the call the person I spoke with attempted to tell me that I was upset ( I was not ) and failed to empathize the issue, but was condescending and not helpful. Although, I told the last two agents that I would be filing a complaint with CFPB, they did not attempt to further assist me and honor the " debt liquidation '' program option listed on the letter. This phone call lasted one hour and ten minutes, and I did not receive a feasibly financial offer to settle the account. 
My analysis and assessment of Chase card services collection practices lead me to believe this tactic is being used to collect as much money as they can in a short amount of time, or refer a customer to the credit counseling/debt consolidation service for profit under the guise of a non-profit ( which will allow for more fees to be collected ).

Company response to consumer: Closed with explanation