BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Chase Bank to refinance my mortgage since XX/XX/XXXX. This isn't the first re-finance that I have gone through. I have gone through several of the years and have grown accustomed to how the process generally works. This current process has been disturbingly unorganized, noticeably filled with missteps and easily recognizable incompetence. There have been blatant attempts to stall by asking for data that clearly doesn't apply to my situation as well as several requests for pay statements. I have provided 3 months of pay statements. I have demonstrated at this point for sure that I am able to afford the mortgage. This seems to have elements of harassment or perhaps something much darker. I have never encountered such before. The communication has been mainly one sided with me responding to requests that don't make sense or don't apply to me personally. 

I have repeatedly asked for a response or explanation for the delays even escalating to the Mortgage Customer Care Specialist 's Team Manager for assistance. That happened on XX/XX/17. I haven't received a response yet to my concerns. I don't know what is going on with Chase Bank. I have never encountered such gross incompetence or lack of professionalism ever. I really don't want to pursue the refi but would like to know from the CFPB if there is a way that I could exit the refi that is going no where and retrieve the funds that I have already paid. Could you please assist me with my situation? 


Thank you for your willingness to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-02
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX deleted inaccurately reported medical debt on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries to be removed : 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 2021-08-29
Company: EQUIFAX, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern on XX/XX/XXXX i spoke with a manager in regards to the two closed " XXXX '' account. I have documents stating that accounts are not reporting on my file, but i see it still reporting. I have documents from Equifax stating that the accounts were deleted but it still remains on my file. I am asking that the CFPB to remove the accounts as Equifax continually violate my FCRA 15USC ss 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: PNC Bank N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I received a deposit from XXXX for the paycheck protection program which I legally qualified for and as soon as my deposit hit my account they immediately put a security hold on my account without notice or notifying me, blocked access to my debit card and didn't respond when getting into contact with them to let me know what i need to provide to lift this hold on my account, they have been having a hold on my account since XX/XX/2021 and it has put a financial burden on me and my business causing a temporary shut down, me losing employees, also me losing a vehicle and ruining my reputation it was bad enough covid put a strain financially on my business now this, and it has been going on for 6 months I tried to settle this peacefully but this is illegal and out of hand. The amount of the deposit was {$48000.00} and the deposit date was XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XXXX XXXX I purchased an airline ticket from a merchant called XXXX XXXX. The merchant issued my ticket for {$2500.00} but under incorrect last name. I made So many attempt and wrote so many emails to the merchant asking them to either correct my name so I can use the ticket or refund my money. On numerous examples they kept telling me they are correcting it on 48 hours and one email from them even clearly indicated I can Cancel and get my refund but when I attempted To do that, they refused to issue me the refund! I spoke With Frost Bank and it quickly escalated to management, a lady name XXXX XXXX who is a manager over customer service and dispute department. She issued me a credit so I can use that to purchase another ticket which I did From XXXX. 
XXXX even tried to contact the merchant two -three times but she didnt get any where with them either! 
Three months later they reversed the credit drawing my account to {$2600.00} NEGATIVE to the point I cant Even pay my rent now! I have Provided all the evidence to dispute department but they havent even bothered to investigate this correctly and throughly saying the transaction was VALID! 
This is breach of their fiduciary duty to me as their customer causing severe financial distress. I need Then investigated and resolve by providing favorable outcome in the interest of justice!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a checking account in XXXX XXXX with Navy Federal Credit Union ( NFCU ), deposited {$25.00}. I was informed that restrictions were placed on this account due to results from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the results through XXXX XXXX XXXX in XX/XX/, the reporting agency. My bank confirmed that I was not liable and XXXX later notified me in writing ( and provided a copy of the updated report ) that the reported item was removed. On XX/XX/, I received a letter from NFCU stating they " requested the removal of the disputed information. '' However, the restrictions were not lifted ; and therefore, I can not access my account. I called the NFCU toll-free line on XX/XX/, requesting that the restrictions be lifted. My request was denied, and the representative stated that I needed to take the updated report to one of their branches ( 30 mins away from home ). I opted to call XXXX to inquire about how they report the updates and they stated that there is a live database that NFCU should have access to review the updates. I called NFCU back on XX/XX/ and learned they were unaware of this database. 

I took the updated XXXX report to NFCU on XXXX requesting restrictions to be lifted. The representative stated that she was unfamiliar with this kind of case and contacted two next-level representatives, who could not help. I requested to close the account instead. This request was denied. I requested information for filing a complaint twice before receiving contact information for the Consumer Financial Protection Bureau ( CFPB ). I was not provided a direct contact for the institution to file a complaint. The representative also communicated with the manager, who stated that they needed the dates of my phone calls to their toll-free numbers in order to escalate. I provided this information. I was also directed to the security department, which MAY be able to help me. There seems to be no protocol to address my issue, and they are withholding my funds even though I submitted proof of the updated report from XXXX and provided them with the letter they, NFCU, sent me.

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 2023-12-02
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I sent in financial history from XXXX XXXX that proves they are not reporting accurate payment history, late payments, and balance. Credit reporting agencies are not considering documents submitted by me or conducting an independent investigation for XXXX XXXX XXXX XXXX that is as required.

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 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I sent this to Navy Federal with my dispute. 


To whom it may concern, On XX/XX/XXXX. My fiance and I contacted XXXX XXXX XXXX  to tow a XXXX XXXXXXXX XXXX XXXX Georgia XXXX The charged a fee of {$910.00} to contract a company to tow us. The Company XXXX XXXX XXXX XXXX  Im assuming wouldbe paid by this company. After calling XXXX ( the number XXXX XXXX  initially called us from to confirm location ). several times because no one came or called us to give us updates It would ring once and hang up as it still is today XXXX XXXX XXXX XXXX  never showed up but called my fianc and said they was unable to tow us because they did not want to deal with XXXXXXXX XXXX  XXXX as they seemed shady. The number XXXX to XXXX XXXX who was the XXXX XXXX driver who contacted us and said they will unable to tow us. We had to get towed by another company due to the prior company not providing service. 
I researched my fiance browser history and found a number for XXXX XXXX XXXX  but they acted clueless that number is XXXX Thanks, XXXX XXXX We were to picked up at XXXX XXXX at XXXX XXXX XXXXXXXX and taken to XXXX XXXX XXXX XXXX Ga XXXX ****Attached is *My call log **proof of payment to fradulent company ****proof of having to get another tow company **** Number of company fraudulent company contacted for tow This was sent with my dispute and Navy Federal denied my claim .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2021-08-28
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A letter was received on XX/XX/2021 by Transworld Systems Inc. requesting validation of debt. They responded with medical records, a DIRECT violation of HIPPA regulations. These documents had procedures and/or medications received. I NEVER signed a HIPPA form authorizing access to any such medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file.

They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2021-08-28
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last year I've been trying to access my Equifax amount and it keeps saying it encounters a problem to call. I call and they say do the forgot user and password, I do Everytime and Everytime same thing, please call Equifax. I've been on hold countless hours, been hung up on, been transferred, told well I don't know what to tell you etc. I can't even dispute inaccurate info, see scores, amounts, nothing. I need to be able to verify the info as accurate. Please help XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive contacted companies multiple times regard my background coming up as fraud with previously proof showing identity.

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 2023-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX purchased my debt from US Bank. 

On XXXXXXXX  my representative, XXXX, contatced XXXX and negotiated a settlement for {$680.00} to settle the {$1300.00} debit. XXXX did take payments on XXXX, XXXX. XXXX stop taking the payments and then sent the debit to XXXX XXXX where it was renegotiate back to {$1000.00}. That agreement has now been paid again but XXXX will not remove the collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XXXX my XXXX  month old daughter accidentally, while watching XXXX XXXX on the XXXX, sent someone {$9200.00} via paypal. although paypal has two factor authentication on its app, it does not actually require any information in the form of face or finger recognition or a password to access the app. 
Paypal first claimed that the money was sent from my phone and was therefore a valid transfer regardless of the circumstances surrounding the transfer. they then suggested we file with them an " item not received claim '' which would resolve in our favor after the recipient of the money was unable to provide shipping information. although being told this claim would resolve automatically in our favor on two occasions, since that time paypal has refused to unfreeze this money and tried to draw this money from our checking account claiming alternately that there is a " Grey area '' surrounding our case because we have suggested it is both unauthorized transfer of funds and item not received, ( although paypal created the claim and changed the nature of the claim for us based on information we provided over the phone ) and that we need to provide paypal with proof of purchase of an item or a description of the item, even though they know we can not provide proof of purchase as paypal knows there was no purchase. further the recipient of the money has continually tried to return the money via paypal and paypal rejects the return of the money as hindering its investigation, rather than accepting the return of money as further proof that this money was not intended for this person. paypal, not even the unintended recipient of this money, is now in possession of almost {$9300.00} dollars which it inexplicably refuses to return to me under the guise of various investigations, all the while promising the return of the money if we would simply wait a few more days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-07
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX  and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: CORELOGIC INC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I requested a security freeze on Corelogic personal information. A background check was just done on me and the company was able to access my background check.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 conviction 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 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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I submitted a credit dispute and sent them certified mail that they received on XX/XX/2023. It is to my understanding that by law they have 30 days to get back to me with the results or delete all the accounts in question. They sent me a letter saying they wont process the request unless it came from me. It certainly did come from me and I even mailed it out from the post office right next to my house.

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 2023-04-04
Company: Spring Oaks Capital, LLC
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:
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.

Company response to consumer: Closed with explanation