BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-30
Company: JPMORGAN CHASE & CO.
State: CO
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:
I was scammed by a person that was supposed to help me pay my credit card off. He gave me this bank account information and told me which amounts to take and pay off my card. The first payment he had me pull from the account was {$3700.00}. The second payment was {$1000.00}. He wanted me to buy 10 XXXX gift cards with the last payment that was posted on my account. When I questioned him, he got angry and told me he also needed steam cards and a cash advance. A couple of days later the payment was reversed. I told him Chase could not find the funds. He called Chase a liar. I called my bank, Chase, to tell them that I got scammed and that the payment may not go through and wanted to cancel the payment. The call was placed on XX/XX/18 around XXXX. The rep stated she would note the account and I would only have to pay a reversal payment fee. The rep did not note the account but there is evidence of the call and she was looking at my account at that time. My Chase Freedom credit card got closed XX/XX/2018. I have talked to three reps at Chase since and they all told it that I was committing fraud and I could not get my card reinstated. I have emails and text messages as proof. If I was a criminal, I wouldn't be in debt. The scammer 's bank account is with XXXX XXXX. I looked online and I am not his only victim. Apparently, they are located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: IL
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:
^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the Covid-19 dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was told by Acura Financial Services that my account would be charged off. They offered a 25 % discount making the balance {$1600.00}. I intended and wanted to pay it ; however, due to the pandemic I didn't want to agree until I was sure I was able to make full payment. I called Thursday and was told by the rep, that I had two days to settle the account. I called Friday and couldn't get through. I called Sat, they were closed. I went online to see if I could reach out to customer service but their site does not give consumers the ability to email them directly. Their virtual chat was off so the only communication that I could find, was via XXXX. Maybe they had to reduce employee hours, due to the pandemic. I called today XX/XX/21 and was told the wait time would be 5 minutes. I held for about 44 minutes and talked to the rep, XXXX for about 4 minutes. She informed me that my account had in fact charged off. It's simple, if a financial institution informs you that you have two days to settle your account, then they need to make appropriate accommodations for the consumer to do so. I would like to settle my account without it negatively impacting my credit. There has to be some type of accountability to ensure that along with the demands from these types of companies, they also make provisions for consumers to meet them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I wanted to freeze my credit at Transunion and they asked for a credit card. Nowhere on the website ( to my recollection ) was there mention of a fee or subscription price. I entered my info and was signed up for a $ XXXXmo service I did not want. I called them and asked to cancel and refund, which they said they did. I received an email saying they cancelled but it made no mention of a refund. I was told to wait and check my credit card for the refund in 3-5 business days. So they can bill me instantly but take 3-5 days to refund me. Very predatory.

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 2021-03-29
Company: MLD MORTGAGE INC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with MLD Mortgage on an investment property I own on XX/XX/XXXX, which included escrow for the property 's taxes and insurance. My insurance company, XXXX XXXX, issued bills to MLD Mortgage on XX/XX/XXXX and XX/XX/XXXX before sending an overdue bill directly to me on XX/XX/XXXX. After 2 calls to XXXX XXXX and 3 calls to MLD Mortgage, I was finally able to reach someone at MLD Mortgage on XX/XX/XXXX who confirmed payment was not issued at closing on XX/XX/XXXX as it should have and placed the request for payment, stating it would take 24 to 48 hours.

Despite being 3.5 months late on payment, when I inquired about compensation ( if roles were reversed, I would have been charged significant late fees for 3.5 months of non-payment ), I was told that the loan care department was not responsible for the mistake at closing.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2019-04-07
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Calvary portfolio contacted my roommate who was listed on my account as an emergency contact and provided them with personal information around my accounts and the amounts owed. I have four accounts with them and they have him specifics and all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: GUARANTEED RATE INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan refinance with XXXX  and was approved for a jumbo loan. I signed loan documents with a notary on XX/XX/2021 and transferred money to XXXX  via bank wire to complete the loan. The loan was suppose to fund on XX/XX/2021 but it did not. About XX/XX/XXXX, I sent an inquiry to my loan originator and he got back to me and told me XXXX  was sold to Guaranted Rate and all loans ( about XXXX ) that were approved to fund had to be done using Guaranteed Rate documents and that take about 2 weeks to finish. I agreed to continue with the loan as I understood I just had to redo the documents with a notary using Guaranteed docs and they would honor the original mortgage rate with a reduced cost to me for my inconvenience. 

Well it has been 2 months now and the Guaranteed Rate loan originator keeps asking me for updated docs. I have sent them updates documents ( pay stubs, bank records, etc.. ) after each request. Again today, I was asked for updated docs and I am unsure if I am being scammed now because my wife and I are well qualified ( income / savings / debt to income ratio and credit are all easily within funding parameters ) to obtain a loan. 

My question is ; if I was qualified for a loan, signed loan docs with a notary and wired a significant amount of money to complete the loan contract, is there a breach of contract by Guaranteed Rate since they purchased XXXX? 

I also told that the other XXXX applicants who were approved for a loan like me had to go through the same process I am going through, which is not fair to any of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I contact XXXX XXXX regarding my application for the XXXX XXXX XXXX XXXX program. Previously, they had provided me inconsistent information about the number of qualified payments I had made and I reached out to them seeking clarify and more information. 

On XX/XX/XXXX, I talked to operator XXXX who stated that there were 23 payments under review and that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX I talked to operator XXXX who stated that I would need to wait another 30 days. They reported I had 671 eligible payments and that 13 were under review. 

On XX/XX/XXXX I talked to operator XXXX who said they had no updates and no information. 

On XX/XX/XXXX, I spoke with supervisor XXXX who stated they would send a direct email to the treasury department and hoped to have a response in two weeks. They said I should be receiving/hearing something in two weeks, and that she would follow up if there was no response. 

It is now XX/XX/XXXX and I have not received any response. I still do not have any information or clarity about the number of qualifying payments that I have made for the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
In XX/XX/XXXX, I realized that someone used my personal information to obtain a mobile account. I realized that this happened in XX/XX/XXXX. This has caused me great XXXX and has made it difficult to obtain new credit. Due to the pandemic, I need to obtain credit to provide for myself and was unable to do so because of this discrepancy on my 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 2020-09-23
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020. I sent out a letter to each of the three credit reporting agencies. In theses letters I disputed the validity of said accounts Today is  XXXX and the credit reporting agency has yet to respond back they havent even had the decency to update the accounts as under investigation. Ive sent out a 30-day demand letter because they are in violation of my consumer rights but the law under FCRA.

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 2021-11-27
Company: EQUIFAX, INC.
State: AL
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:
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Experian Information Solutions 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:
On XX/XX/2018 I sent a correspondence to Experian via certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX ) it was received on XX/XX/2018, even though the recipient of it failed to sign for it, but according to the tracking it was received. The correspondence was in regards to an account ( XXXX XXXX XXXX   ) on my credit report, that shouldn't be on my credit report. This account is listed as a negative charge off, when it shouldn't be list on my credit report at all. I attached my police report to the correspondence and had my documentation notarized. I am attaching all documentation sent on XX/XX/XXXX, to this complaint. I am also attaching the correspondence from the alleged creditor i.e XXXX XXXX XXXX   where they admit that I was not responsible for another account after an investigation ; this current alleged account is no different ; I am not responsible for it nor is it mine ( XXXX XXXX ). Per FCRA 605B ( 15 USC ss 1681 c-2 ) they have 4 business days to remove the account/item after the police report is received. It has been more than 4 business days since it was received on XX/XX/2018.

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 2018-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
To whom this concerns, I have been unable to reach your company in regards to the effects of identity theft. As I am a victim of identity theft. I learned when attempting to open an account with you that my identity had been used to open what appears to be a checking and savings account. 

I have reported this identity theft to the FTC. I have not ever opened a checking or savings account with capital one. I would like to in the future as I have had auto loans and other products there in the past. It appears this checking and savings account were opened online per your fraud department. Once again I did not open any XXXX accounts ever at your bank. I am a victim of identity theft and I would like to know who opened these after my wallet was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our Experian and XXXX  report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX  by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

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 2018-07-30
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called Great Lakes in XX/XX/XXXX about what paperwork would need to be filled out by me in order to proceed with the XXXX Loan Forgiveness for which I qualified for by working in 2 XXXX for 5 consecutive years XXXX XXXX  and holding a XXXX XXXX.

I filled out one packet for each XXXX XXXX  as instructed and both boards signed the packets which were mailed in XX/XX/XXXX and sent via email and faxed.

Great Lakes is now saying the need two additional applications, one for each XXXX worked within the same county backed by the same board and signed off by the same person before they can proceed with filing the forgiveness ( which takes 90 days to process and forever to hear back if there is an issue. ) The qualifying XXXX are : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX county Ga XXXX ), and XXXX XXXX XXXX  ( XXXX  county XXXX ). All XXXX  in the state of Ga.

I hold a XXXX  in XXXX   and XXXX in XXXX XXXX. I XXXX XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX in XX/XX/XXXX, and XXXXXX/XX/XXXX - XX/XX/XXXX for struggling XXXX XXXX. I am now enrolled in my XXXX program and quickly running out of funds to play their games.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: NC
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:
We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I wrote to XXXX to dispute an inaccurate entry on my credit report in regards to two XXXX XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXXt card accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, Transunion, XXXX and XXXX both my XXXX XXXX accounts still showed me as being late on the dates listed above.

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