BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I wish to complain about JP Morgan Chase. In late XXXX, I opened a savings and checking account with Chase. They offered a deal where you would earn {$600.00} for opening these accounts and for moving {$15000.00} into a savings account.

Three days after I opened the account, I transferred {$15000.00} from another bank into Chase. Thats when the problems began. Soon after, possibly on the same day, Chase decided to close both accounts. My accounts no longer exist, and I seem to have no way to get my money back. 
I was first made aware of this situation from a letter dated XXXX XXXX, explaining that my accounts would soon close due to recent activity on the account or because you didnt provide information we requested. They never asked me for information, and the only recent activity was the money I moved into the account. It amazes me that they would invite me to open an account and then punish me for moving money into said account. 
The letter indicated that I could call to rectify the situation, but when I did, the lady on the other end explained the accounts were already closed and they would mail me a check for the money. No one has ever been able to explain to me why the account was closed in the first place, but at this point, I just want my money back. 
According to the bank, my account was converted to debit on XXXX XXXX, supposedly in the form of a check that would be sent to me. Its now been more than a month, and I have still not received a check. I have visited Chase branches several times, and no one is able to explain why its taking so long, when I might get the check, or who I could speak to that has any deeper visibility into the situation. 
It amazes me a bank can get away with this kind of behavior. Couldnt they just have frozen my account and asked me to visit a branch to rectify whatever the problem was? Couldnt they have wired the money back to the account from which it came, or called me up and suggested I visit a branch office in the next two weeks to reclaim my money? What would have happened if I needed that money for a medical procedure or a house emergency? 
People put their money in a bank to keep it safe. But what happens when its the bank itself thats the bad actor?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
Hard inquiries are on my account that I didnt authorized or approve to be used by multiple companies. Ive asked for verification that Ive tried to complete these actions and they never provided that information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: AR
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:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX  XXXX {$1400.00} XXXX XXXX {$2700.00} USDEPTED XXXX {$4200.00} XXXX XXXX {$2700.00} USDEPED XXXX {$4200.00} XXXX  XXXX {$4200.00} XXXXDOFED XXXX {$4200.00}

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 explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On Date XX/XX/2022 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions XXXX regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX, I have contacted SantanderXXXX to catch up on payments I got behind on as a result of multiple tax levies post divorce. I received no response to at least monthly, sometimes several monthly, emails, until XX/XX/XXXX. I was given a modification packet, which I completed and returned. No response was received. I requested a status, got no replies, and in XX/XX/XXXX, was later given another package, which I completed and returned. Again, no response was received. In XX/XX/XXXX, I submitted the package through the portal, and was given a request to update. I updated all documents as requested. I complied with requests for updated profit and loss statements showing each employees income on XX/XX/XXXX. 
I called Santander XX/XX/XXXX, after receiving 2 letters dated 2 weeks prior to the postmark date, both of which had 14 day deadlines. I was allegedly sent a loan modification denial on XX/XX/XXXX, stating that my income, which is well over {$120000.00} per year, would not allow for a modification because the payment amount would be higher than it already was. I was emailed a copy of the denial on XX/XX/XXXX, and filed an appeal. It was sent via portal, email and USPS. No one has confirmed my appeal, and no one is responding to requests for an update. 

It is now 27 months after I requested information, and no resolution. Had Santander provided me with modification documents in XX/XX/XXXX as requested, not only would I have been far less in deficit, I would have been able to refinance in the last year, getting out of this horrible bank and taking advantage of a far better interest rate. 

I intend to do whatever I need to in order to keep my home, as they are now threatening to foreclose. They have failed to do anything they are supposed to under the federal guidelines, and unfortunately, it seems to be a pattern. No one acts until I threaten to file complaints with the appropriate authorities, so I am now forced to file. 
I have attached email chains to this document for review showing my constant attempts to contact them.

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 2018-08-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
American Express never told me there was any sort of limit to their extended payment option. In reliance on that option, I made some large purchases. To my surprise and horror, I received a minimum payment bill for over {$9000.00}. As I am XXXX, my options for customer service are online chat, email, or fax. I do not use TTY or voice telephones. On American Express online chat, I was told I was at the limit for extended payment and there was nothing they would do for me about breaking up the huge payment unless I use a voice telephone. Upon further escalations, I was told they have TTY available and that's all, unless I provide my personal information to another person and allow them to contact on my behalf. That is a discriminatory and demeaning option which I rejected. I was informed the ONLY ability to contact anyone who could help me is telephone or TTY. Later, they told me I could write US Mail and gave me an address. 
As the payment is due XX/XX/XXXX and it is now XX/XX/XXXX, that option will not work. 

This is not the first time American Express has refused to offer alternative communication routes for XXXX customers. In XXXX, when I found my interest rate had been raised despite my payment being returned due to an identity theft incident which I had disclosed to American Express ( and for which I have police reports and other documentation ), they also refused to assist me except by voice telephone. 

As an aside, during the chat conversation, as you can see in the transcript, their first associate, " XXXX, '' provided me with another customer 's PII. Ironically, when I asked for an official transcript of the chat after I had escalated twice, the supervisor told me they could not provide me with a transcript for privacy reasons. When I waived privacy rights, they still refused to give me a copy. Luckily, I was able to capture the transcript from my browser and cut and paste it into a file. 

As you can see from the transcript, American Express discriminates against XXXX people in that they will only offer certain services to individuals who can use voice telephones.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I submitted my complaint pointed out how the Servicer - Rushmore Management LLC provided me with a Re-Instatement figure and in that Re-Instatement figure how it included payments that I had already submitted payment for via their attorney on XX/XX/2021, and how because of Rushmore 's error how this has resulted in me being denied assistance from the XXXX program in my state of XXXX 

In Rushmore 's response to me they asked me to provide them proof that I paid them {$6000.00} on XX/XX/XXXX with. For perusal I am attaching the canceled check from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a co-borrower with my daughter who completed her XXXX from XXXX College XXXX, MA. I have been dealing all the correspondence and making payments of the loan. 
The First loan Application was from NellieMae for {$20000.00} for the period XXXX Loan was never disbursed to XXXX College MA Moreover we never heard about NellieMae. 
The Second Loan Application was from SellieMae for {$18000.00} for the period XXXX Loan was never disbursed to XXXX College MA The Third loan Application was from SellieMae for {$15000.00} for the period XXXX Loan was received by XXXX College MA as mentioned in their loan Letter attached and copied to Navient several time. We did not receive any documentation of proof from Navient. 
We send the following letter to Navient in XXXX If you have made a payment to XXXX College . Please send front and back copies of the cancelled check sent to XXXX College showing the check cashed by them. If the payment was made electronically through your bank. Please contact your bank to obtain the Electronic Funds Transfer number so that we can confirm from XXXX College. 
In the absence of the correct documents I will not restart the payment of two Loans. However, I will continue to make the payment of the Loan received by XXXX College. 
As per your document for Loan XXXX a principle of {$2300.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$2200.00} and payment of Interest of XXXX made to you. 
As per your document for Loan XXXX a principle of {$3300.00} and payment of XXXX of XXXX made to you. 
The two Loans ending in XXXX and XXXX which were not paid to XXXX College, we have paid a total principal of {$5600.00} and interest of XXXX. The total of XXXX must be applied to the only loan paid to the College. This conclude that we have made a payment and interest more than the loan. 
Selliemae did not provide us any information about the Disbursement of finances to the college.

On completion of education as required by Sallieme we started the repayment of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: FL
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 do not authorize any of these inquiries on my credit report I would like to get every inquiries removed from my credit report my identity have been stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was attempting to refinance my home, when the Loan officer pulled my credit and advised my of this collection/foreclosure on my account. I have never owned a home until XX/XX/2019 and I have never had a mortgage with 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 2022-03-01
Company: Experian Information Solutions Inc.
State: OH
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 the Fair Credit Reporting act the following debt buyer violated my rights. 

XXXX XXXX XXXX Amount : {$900.00} Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Amount : {$1200.00} Account Number : XXXX Date Opened : XX/XX/XXXX I am not liable for these debts. I do not have a contract with XXXX XXXX XXXX nor XXXX XXXX XXXX. They did not provide me with the original application/contract like I asked. Please remove these fraudulent accounts at once. 

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 A complaint has been filed with the XXXX. Case number is 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 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
credit card company says I did'nt make the time limts on complaint/ I did, info sent to me is unreadable by me, from booking.com. Billed twice. XXXX statement XXXX, phone dall made to capital one, follow up letter sent, per capital one 's instrustion. claim number given over phone did not match on return letter thanking me for my concern. XXXX claim numbers. reservation was XXXX told capital one this. Sent billing receit with phone numbers to call XXXX XXXX XXXX  to confer. last letter received on XX/XX/XXXX states did not make time. capial one did not protect my account, chose to take the word of a computer over a live breathing person myself

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have requested that Porffolio Recovery Associates provide me with a copy of the original contract in reference to account number XXXX. Portfolio Recover Associates has repetitively sent copies of bills. Im requesting a contract stating that I owe Portfolio Recovery the actual said debt of {$780.00}. I have been receiving the alleged bills since around 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian, XXXX and XXXX have reported a 60-day late payment indicator on my credit report with the creditor, ( XXXX ), which is incorrect and is currently showing on my credit report. The account that I am referring to is the account balance of : {$10000.00}, which the account was opened XX/XX/2011. I have never paid 30-days late and when I contacted XXXX, they said that their system is not showing it and that I am current and they did not report that 60-day indicator on the account. This is the 1st time that this done happened to me and this is negatively impacting my credit rating and credit report. I want this issue corrected immediately because this is negatively affecting my credit rating with Experian, XXXX and XXXX and if this happens again, I am filing a lawsuit for violating the fair credit reporting act. I want this updated immediately!

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 2021-09-06
Company: OneMain Finance Corporation
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX All onemain Make no sense.. I am really careful about no make any extra damage applications

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 explanation