BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, a Temporary Restraining Order ( TRO ) was placed on my Total XXXX account by Chase Bank. Despite filing complaints with both the Consumer Financial Protection Bureau and the XXXX  I have yet to receive a satisfactory resolution from the bank. The responses I received from Chase Bank, which I have attached as PDFs, simply advised me to wait for an internal review. Even though the TRO has legally expired, Chase Bank is still holding my funds without providing any information. This is my final attempt to kindly request the lifting of the insufficient XXXX and an internal review of my case with a prompt response. 

I also want to inform Chase Bank that, as a customer, I am escalating this matter to the XXXX XXXX XXXX before proceeding with a court complaint. I am taking legal action against the bank for customer negligence and the indefinite holding of my personal funds. If Chase Bank can provide a satisfactory resolution, I will promptly drop this case and avoid any further escalation. 

Thank you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good day. I have an account with Aspire Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made a payment to my credit card on my due date, they said I have to make my payment before some eastern time, I told them that I lived in XXXX, I don't live on the east coast , I was charged {$41.00} for late payment fee, I Close my account but I'm still making payment on time, I'm getting charged for account maintenance fee {$12.00} a month even without using my account. 
my payment due date is the XXXX of the month, on XX/XX/2022 I made a payment for {$63.00} on XX/XX/XXXX, I was charge {$41.00} for late payment fee, the last 4 digits of my account are XXXX 
I tried several times to talk with costumer service, they keep telling me I was late, making my payment, but I was not late, I made my payment on my due date,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I initially spoke with my mortgage company ( XXXX XXXX ) on XX/XX/2022 to discuss options because I missed my XXXX mortgage payment where they advised me to seek help from multiple resources. I took that advice and consulted with a HUD housing counselor to discuss options and to receive guidance. On XX/XX/2022 I spoke with the counselor and gave detailed review of my situation, and he noted that I would qualify for CARES Act XXXX forbearance since I have a pandemic related financial hardship. We reviewed all of the guidelines and requirements and said that all I would need to do is contact my mortgage company and request the XXXX forbearance without having to fill out an application or submit any paperwork. I called them on XX/XX/2022 and requested the XXXX forbearance, and they told me that I needed to go to a website and apply for forbearance and that it would take up to 30 days after they receive everything to review and decide whether to approve the forbearance. I tried to explain that the pandemic has not ended so I shouldn't have to apply like in a general forbearance and gave me a website to register and apply/upload documents. I called the HUD counselor to verify if this is true and he encouraged me to make a complaint based on the fact that the mortgage company is not complying with the rules stated in the CARES act. 
I am currently behind on my mortgage payments for XXXX ( {$2300.00} ) and will be behind on XXXX 's payment on the XXXX ( {$2300.00} ). 

**From the VA website- Through the end of the nationally declared emergency, you can make an initial request for XXXX forbearance. VA expects your mortgage company to approve your request, for up to six months. VA also expects that, if you need additional forbearance after that, your mortgage company will approve, at your request, an additional XXXX forbearance for up to XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, we had a house fire on XX/XX/2021. We have a forced place insurance policy that we were advised covered the structure of the home. We were forced to secure the property on our home and the insurance adjustor did call us back until the following week. When we asked the reason for the delayed response we were told that he had an emergency and went out of town, like our house was not a priority even though we almost died escaping the blaze and had not just lost our family pet. 

When the claim was filed we discovered that the insurance policy covered XXXX of damages while the insurance adjustor recorded approximately XXXX worth of damages. We notified the insurance company of the discrepancy and that the amount of insurance coverage did not cover the lenders interest in the home and and they escalated the file due to the obvious discrepancy in the policy and policy limits. 

Today we were informed that the lender would not increase insurance coverage and that basically we were on our own. We have no where else to go. We have no HVAC, our electricity has not been repaired and is still a potential fire hazard, the home needs a repipe and there is a potential for a gas leak. We can not afford to pay the mortgage and restore the house to what it was before the fire. 

I feel like the lender is attempting to squeeze us out of the home since our mortgage is low and the property values in the area have skyrocketed. We don't want to lose our home but feel like we have few options since the lender has railroaded us and keeps us in the dark and giving us the runaround regarding their expectations for getting the home back up to code.

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 2023-10-22
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I paid off the balance in full based on the information I had about this student loan and one other student loan XXXX now has an overpayment ( credit ) of {$75.00} and the loan remains open student loan XXXX has been paid in full and closed as it should have been I have sent multiple messages to Edfinacial requesting the credit be paid to me and the loan shown as paid in full

Company response to consumer: Untimely response
Consumer complaint received 2023-05-03
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:
In accordance with the fair credit Reporting Act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states 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 account under an open end consumer credit plan as late for purpose.

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 2022-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX XXXX XXXX  reported 3 charges, to Capital One that weren't mine, total amount {$41.00}. Two letters dated XXXX XXXX sent by Capital One to me stating matter resolved and new replacement card sent with new account information. New card never sent, on or about XXXX XXXX company requested copy of my driver 's license faxed to them, I immediately did this. Company called back copy not clear. Since this time I have mailed XXXX hard copies of license ( USPS ) ; faxed at least 5 copies to them from different machines, all copies not clear ; and sent 3 copies to a secure website company provided. None of these copies clear. I have sent email to company CEO asking help in getting my new card, no reply. Don't understand how all copies are not good. I still receive monthly statements showing no balance and no activity, the Company will soon close my account because of this, I very much want and need this account. I have an excellent credit rating and 100 percent pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I apparently clicked on XXXX of the litany of paypal phishing emails and someone accessed my paypal account and sent XXXX to someone via friends or family that I do not know or have any idea who they are. Paypal said they were not unauthorized transactions when in fact they were XXXX XXXX unauthorized. My bank is currently investigating as well. This is life changing money that was fraudulently scammed from me,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fifth Third sent me a letter saying that my property insurance expired and instructing me to submit proof of insurance. They dated the letter XX/XX/XXXX, which is the actual date that my insurance policy expired and was renewed. My insurance company renews the insurance every year, and their notification specifically states that they will notify the mortgagee if they do not renew the policy. I believe that the insurance company additionally sends notification of renewal to Fifth Third every year, probably on XX/XX/XXXX when they renew it. 

My complaint is that it's inefficient and bothersome for Fifth Third to send me the same letter every year on XX/XX/XXXX, without even giving the insurance company a few days to send in the mortgagee the renewal notification. Additionally, Fifth Third knows that I've renewed the policy every year and that my insurance company can easily provide proof of renewal directly. Third, the insurance company has promised to send Fifth Third notification if I fail to keep insurance in force. Fourth, most mortgage companies have sophisticated communication systems with major insurance companies ( like mine ) and can more efficiently verify insurance by contacting the insurance company. This is often done with direct communication links and doesn't require anything out of the ordinary. Fifth, before Fifth Third became the servicer for this same mortgage, there was a different servicer who did not engage in this wasted effort. 

It is simply a waste of time and effort for everyone for Fifth Third to send the letter to me on the renewal date instead of waiting ten days or so. It wastes my time locating proof of insurance from my insurance company and sending it to Fifth Third. It wastes my insurance company 's time and energy providing the proof of insurance to me even though it was already provided. It wastes Fifth Third 's time in reviewing my proof of insurance this way even though it would be more efficient to do in another way.

Fifth Third 's servicing procedure could easily be changed to wait ten days and then see whether or not my insurance company sent notice. Alternatively Fifth Third could easily contact my insurance company or safely rely on the insurance company 's agreement to notify them if the insurance policy does not renew.

Instead, Fifth Third sends me a threatening letter indicating that they will buy insurance on the property unless I provide proof of insurance immediately. This is just not a reasonable use of everyone 's resources. Also, the threatening letter is unnecessarily harsh and demanding, particularly since they don't even wait ONE day after renewal to allow time to receive proof of insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have wrote several letters to Equifax and the creditor XXXX XXXX XXXX to verify the inaccurate information that they are still reporting to my credit report. It has been over a year and I still havent got a response from them. I have sent certified letters to Equifax on the dates of - XX/XX/XXXX and XX/XX/XXXX. Also sent letters to XXXX XXXX XXXX and they picked it up at USPS on the dates of - XXXX XXXX and XX/XX/XXXX Upon this date of XX/XX/XXXX they still havent respond to verify the inaccurate account that is reporting on my credit which is XXXX XXXX XXXX. Please delete this item - XXXX XXXX XXXX - from my credit report as soon as possible. There was no real investigation on both their parts and still havent respond for a whole year and a half with verification. Federal law requires them to respond within 30 days yet haven't responded for a whole 365 days plus. Equifax is going against my consumer laws for still having inaccurate items reporting to my credit report One of the few laws they failing to abide by [ 15 USC 1681E ] and again they STILL HAVE NOT RESPONDED FOR MORE THAN 365 DAYS which is CLEARLY breaking the validation law so I am in the process of suing them for defamation of character. 

Copies of my letters and receipts to both Equifax and XXXX XXXX XXXX will be attached please look at the dates PLEASE DELETE XXXX XXXX XXXX FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had an account with FedLoan and paid off my loan during covid. With the CARES act were supposed to be able to request a refund of payments made after XX/XX/XXXX and before XX/XX/XXXX. I called FedLoan XX/XX/XXXX and requested a refund. They said they could process it and it would take 4 weeks to 6 months. Instead they just transferred my Lon to XXXX. They were not transparent on what was going to happen with my account. I got different answers from each rep I called when I called to confirm twice in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
they are sending me a letter stating i own money for a XXXX XXXX XXXX and i never has a account with XXXX XXXX XXXX they are asking for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/2017, after receiving endless mail from XXXX XXXX  regarding debt consolidation loans, and being promised I could check my rate with no affect to my credit score, I went online just to see what they could offer. Unsatisfied with what I was seeing, I dropped it and moved on. From then, XXXX began to contact me numerous times a day both via e-mail and phone until I told them to stop. 

They also pulled a hard inquiry despite repeated promises that there would be no effect to my credit score. I was then told by a representative via e-mail that I had agreed to allow them to check my credit when I signed up by clicking a box. While there is an " Authorization to Obtain Credit Report, '' you agree to that on THE SAME PAGE that explicitly states there will be no effect on your credit. 

These business practices are deliberately shady and misleading. They present themselves as just allowing you to see what your rates will be, while they're actually placing a hard inquiry on your credit and refusing to do anything about it.

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter out on XX/XX/2021 to XXXX, Transunion, and XXXX. However it's been over a year and Transunion and XXXX failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: FL
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:
There is incorrect personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: NAVY FEDERAL CREDIT UNION
State: FL
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 contacted navy federal on XX/XX/XXXX and sent a request to be removed as an authorized user from account. navy federal then promised to have me removed and also for the trade line to be removed from my credit report navy federal never removed the account as promised and this is impacting my credit as this is not my account and I was not liable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have my loans set to auto-payment. Prior to loan repayment resuming, I checked to confirm that auto-payment was set and my bank information was accurate. On XX/XX/, I checked to ensure the auto-payment was set up and my information was accurate. I saw that my payment of {$420.00} was paid on its due date (XX/XX/XXXX ) but was immediately reversed, same date. My loans now say that they are past due, which will impact my credit score as I previously had a perfect record with paying bills. I put in a payment via quick pay on XX/XX/ to make a payment before the next due date so I am back on track and it would not accept the payment, despite accurate information. It repeatedly says " An error occurred. Try again. '' They just aren't letting me pay and it is ultimately impacting my credit and life. 

I tried to contact on XX/XX/ but was unable to get through via phone or a live agent.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-22
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX someone hacked into my chime account unauthorized took over {$60000.00} dollars... For example XX/XX/XXXX there were 51 transaction.. XX/XX/XXXX there were 54.. XX/XX/XXXX there were 49 all to XXXXXXXX XXXX in Florida ... Mind u i leave in NC.. ..Chime keep saying no error occurred. I agree it was fraud and a scam...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation