BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-10
Company: JPMORGAN CHASE & CO.
State: RI
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 have had repeated problems with Chase bank. In XX/XX/XXXX I was notified of a hard credit inquiry done by Chase on XX/XX/XXXX and I called Chase to find out what was going on as I had not applied for any credit. They said they would mark it as fraud and send a letter to have that inquiry masked on my credit reports. 

In XXXX I was going over my credit reports and noticed that the inquiry from XXXX was still showing and that there was now a second inquiry dating from XX/XX/XXXX. I called in and was told that they would send off a letter to have both of the inquiries masked. I received a letter confirming this on XX/XX/XXXX. 

This evening I received another alert from XXXX and once again there is a new hard inquiry on my credit report from Chase. 

I called them and was passed from person to person and finally spoke with the right department who said that the application came from XXXX. They assured me that they would deny the application and that they would send a request to have this inquiry also masked from my report. 

I find it very hard to believe that if someone has my information that there would't be other fraudulent applications being made through other underwriting institutions. Chase is the ONLY one to show up which leads me to believe that there are other problems at Chase that have nothing to do with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
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: Information belongs to someone else

Complaint:
Someone Stolen My Identity, please Remove these Fraudulent account of My Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2018 I tried opening an account with USAA I had previous relationship with them when I used to have an Auto Insurance policy with them. Was told that my online account was under review and to call back next week. On XX/XX/2018 on called to USAA security department was told that I was clear and that they found nothing wrong with my account and transferred to new member services to open up a checking account. I was told by them that my account was still locked and that they were not going to open up a checking account with me and never stated a reason why? later phone call would stated that my previous military services was the reason why I was denied an account. None of that was ever discuss in our previous phone call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was purchased while I was awaiting a decision on a modification. I had received 2 letters from XXXX stating that have received a full package and will contact me in 30 days. 36 days after those letters I call to find the results and Im told my loan was sold to Fay Servicing company. Since then I have been trying to contact XXXX to find out the status of my loan. I was told by one representative that my loan was not protected and it was in foreclosure. I was told by another representative that I have a manager that works on my account name XXXX that will be contacting me in an email was sent it has been over a month I have yet to hear from that person. I have contacted XXXX XXXX to assist me in phone calls and they have failed to get any information. They refused to call me back. When I call they are rude, they offer no advice no help Im just told somebody will contact me but it is been almost 2 months and I have read upon their reputation that they force homeowners into foreclosure which scares the life out of me. They had a class action suit against them in 2017 and were find over {$1.00} XXXX for forcing homeowners into foreclosure. I feel that this is the same thing they are doing to me I get no cooperation no answers nobody will help me all I keep getting is somebody will call me back XXXX has not called me back once and he has received three different emails from three different representatives nobody else will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I had realized that my Bank of America checking account was compromise with two unauthorized transactions one was a wire transfer for the amount of {$3200.00}. 
The other one was the XXXX  transfer for the amount of {$3500.00} to A person by the name XXXX, XXXX XXXX XXXX confirmation of transaction # XXXX. 
Both transactions were made on the same day assuming the same person. I have screenshots of the transaction, and they were made by the same person. And my application for my Bank of America mobile app I was able to check the last few numbers off a cell phone number, which did not match my.

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 2021-10-20
Company: EQUIFAX, INC.
State: PA
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 noticed fraudulent and inaccurate information on my report. Please delete and update my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: TX
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:
Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase has allowed me to open 2 credit cards XXXX XXXX XXXX XXXX and Chase Sapphire Preferred. However, on XX/XX/XXXX, they have revoked my credit card and do not allow me to use it anymore without any prior notices or discussion. The action shows that Chase only cares about the bottom line and do not want to pay out any bonus credit card sign up reward. I have great credit score ; so it should not impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I asked Sallie Mae to send me all payment information on all previously made payments on a loan Im co-signed on. For a month they have been telling me they would send me the information and they havent. They said I would receive it by email and I havent. They said they mailed it two weeks ago and I havent received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo mortgage has acted in bad faith numerous times against me and my family. 
For starters, and while under Chapter XXXX protection in XX/XX/XXXX, we advised Wells Fargo that we intended to keep the property and it is our main residence ; in turn WF sent unidentified individuals to invade the property with the intention to break into the house and change the locks, which is their practice. One of them was caught peeping on my sister 's window which scared and terrorize her to the point of moving out, therefore increasing my financial burden as I became the only one paying for the mortgage. Not content with terrorizing my sister, they've sent another goon, few days later, only this time, I caught the guy climbing my backyard fence with some sort of weapon or prying tool in his hand ; he was forced under the threat of arrest to surrender the work document issued by WF ordering him to invade the property, even at the risk of injury or death. The third invader sent by WF was stopped in the driveway and he threatened me, I did called the police but the perpetrators always ran before the police arrived. That much stress has created XXXX on me, I can never feel safe on my house ( all my doors and windows have been blocked ) thanks to the WF mob. My most recent problem with WF was initiated by a letter requesting me to send a signed document to activate the Dodd-Frank bill which will  put {$5000.00} towards my principal ... As you can imagine WF has stalled and refused to apply any of the incentives, and they refused  to so today XX/XX/XXXX. WF has acted in bad faith from the start, and I am left with no choice but to sue them for bad faith practices against me, terrorizing my family and me and refusing to provide the relief that Dodd Frank  stipulates under the HAMP modification. I am no longer talking to the WF mob, these people are being sued nation wide for bad practices, and I refuse to become one of their victims, as far as I am concerned, I am suing Wells Fargo for damages, pain and suffering, XXXX  as a result of the violent encounters they initiated and I sincerely hope this gets a hold in the media, so they can be exposed, penalized and dissolved : Wells Fargo is the worst denominator of banking institutions, their mortgage division needs to be investigated and cleaned up. PS I know you WF operatives will receive a copy of this letter, your  mortgage division committed crimes against me and if you think sending me letters to state that you have done nothing wrong will clear you of any wrong doing, I have news for you, what you did to me and my family will not go uncontested, even if it takes 20 years, I will expose your criminal practices and I will fight you in court until you suffer enough financial pain for what you have done to my family and many other American families.

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 2019-11-12
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX/ XXXX XXXX is reporting on a debt I do not owe. I called and paid this debt as soon as I found out about it by pulling my credit. XXXX XXXX XXXX/ XXXX XXXX   did not send me any notifications or my 30 day right to dispute letter. XXXX XXXX XXXX/ XXXX XXXX agreed that by paying off this debt they would remove the account off of my credit file, due to being in violation of my 30 day right to dispute, and they haven't removed 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 explanation
Consumer complaint received 2018-03-29
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I spoke to Ocwen Loan Serving reference my loan : XXXX   on XX/XX/XXXX and was informed that my {$1500.00} dollar payment was being returned. The previous month was the same thing for {$460.00}. Ocwen took my payment inXX/XX/XXXX. In addition, I was informed that Ocwen denied my request for a Loan Modification.

Last year, Ocwen representative told me in order to qualify for a Loan Modification you need to fall behind on your payments and have your " stay '' on Chapter XXXX Bankruptcy removed.

I recently had the " Stay '' removed around XX/XX/XXXX I did everything Ocwen asked me to do.

Ocwen refuses to work with me, I received a copy of the court order from my Chapter XXXX Attorney with Arrears being over {$13000.00} dollars. The principle balance of my loan is {$84000.00} The equity of the home is over {$200000.00} dollars, my attorney said, " I think Ocwen wants to foreclose on your home to make a huge profit '' This another form of predatory lending or scam that this loan servicer is trying to take advantage and abuse consumers like me. In fact, I XXXX my wife to XXXX  and it also caused a financial strain on my finances.

Ocwen number XXXX, because of the lies Ocwen and the unwillingness to take my payments. I no longer trust this business, they have violated the " good faith practice ''. I ask your assistance in protecting my consumer rights immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have a credit card with XXXX XXXX and have asked them not to get calling my place of employment when I didn't give them the phone number. They called my employer today XX/XX/2018 twice and then employer asked them to stop calling also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Conn's, Inc.
State: TX
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:
Conns lost my accts XX/XX/XXXX. I could not pay as there were none with which to pay. In XXXX of XXXX Conns XXXX XXXX found my accts. They had reported all 4 accounts closed in XXXX to the credit bureaus. In XXXX, Conns put on the credit bureaus that my four accts wee open and 5 months past due. I asked them to consolidate the 4 accounts but they refused and wanted 4 payments Xx 6 months. I told them I couldn't pay that much at one time. The only other choice was to settle with them which was more than the 4 payments of the 4 accounts. I was working part-time and then the pandemic hit. I could do nothing. I did however ask them to remove the incorrect address for in their files and to remove my social security number off of a MRXXXX XXXX XXXX files and purchases. His {$5000.00} charge off is currently on my credit files at the credit bureaus. Mr. XXXX has my Social Security number on his Conns file and on his purchases. Mr. XXXX XXXX has access to my Social Security number. Whether he uses it or not, Conns has used it! I was working very hard to improve my credit and this has made my credit go way down i have a balloon note on my house and if I can not refinance, I will lose it. These account entries that are not mine need to be un-associated with my SS #, my credit reports, my phone number that I have had for several years, and remove addresses that not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I opened bank of the west account with no overdraft coverage I was bait and switched I have been charged over XXXX in fees they refuse too help or refund.

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 2019-11-12
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: Personal information incorrect

Complaint:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
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: Old information reappears or never goes away

Complaint:
I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

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 2020-08-29
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since XX/XX/2020, Santander Bank has been charging me Overdraft Fees for purchases I originally had enough balance to cover from. 

I have activated all the types of Overdraft protection given by this bank : Even my card is not supposed to authorize any payments when I don't have enough funds to cover a purchase, and still, overnight my balance becomes negative and therefore I'm charged. I'm very tired of discussing with the bank people who can only 'speak to what they see ' and don't know the processes of their own products. 

There's even XXXX transactions authorized in my account that supposedly overdrafted it, however, XXXX doesn't authorize any payments unless you have funds to cover them So, how did XXXX was capable of overdrafting my account in the first place?

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 2017-08-03
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rubin & Rothman XXXX XXXX XXXX XXXX, XXXX, NY XXXX  Phone : ( XXXX ) XXXX they levy my personal account for over {$9400.00} and they did n't send me mail or call me to about the debt i have left them morethan 20 messages and they never called me back or pickup my calles to review the issue.

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 2021-04-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I purchased a set of mattress with Rooms 2 Go XXXX synchrony bank card ) XXXX. Had a problem with mattress sinking in XXXX account was also paid off in XXXX. Rooms to Go replaced the mattress set under warranty XXXX. Paid off account was closed prior to me filing bankruptcy in XXXX by synchrony at which time I had a zero balance did not owe anything. Again during XX/XX/XXXX during pandemic mattress set began to sink again. I contacted Rooms 2 Go, they sent a tech out to examine XX/XX/XXXX, XXXX it was determined the mattress could be replaced under warranty. i chose to choose a different mattress and paid by debit card for difference and received a receipt. On XX/XX/XXXX discovered an email from Synchrony stated I had missed a payment. i immediately called synchrony  and told them I had not had a card with them since XXXX and that I had a XXXX balance when they closed the card. They informed me that a charge was placed on the card XXXX the day I paid the difference for the upgrade to the warranted mattress. I immediately called the XXXX store spoke with store manager XXXX explained what happened. He reviewed the account and discovered during the transaction the clerk credited the original form of payment and then attempted to charge it back to the card that was closed. said they would correct it, called synchrony as well and neither have corrected it, I am still getting harassed and being reported to my credit report as delinquent, Manager confirmed it was a clerical error on Rooms 2 go side but it has not been fixed. which is affecting my employment search due to it reflecting negative on my credit and I am being harassed with email and letters. Getting the run around

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