BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has sent numerous advertisements " Enjoy up to {$500.00} on us '' with details about opening both a savings and a checking account to earn the {$500.00} with minimum balances and length of time the money must stay in the account. When I tried to apply for both these accounts at XXXX Chase Bank branches in XXXX XXXX, I was refused because the staff person said that I had used their incentives before and they would n't accept me as a customer. I did n't see any wording to that effect in the advertisement I have. Is Chase Bank allowed to deny such a transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: NV
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Nelnet, 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: Account information incorrect

Complaint:
Credit report ran by XXXX XXXX XXXX XXXX XXXX, 2017 by non-profit alliance for homeownership shows duplicate accounts from nelnet college loans accounts. Balance should be {$63000.00} with monthly payment of {$230.00} ; but is shown as $ XXXX.with monthly payments of XXXX, because the source code was entered in differently for source XXXX XXXX . I  attempted countless hours speaking with Nelnet to fix this problem. I spoke with 3 different supervisors and the floor manager and was given several different reasons why the duplicate accounts occured without ever taking accountability for the error in their data processes. I need Nelnet to take accountability for their mistake so it does n't happen to anyone else. Please assist in the correction needed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have contacted the 3 main credit reporting agencies with failed attempts for action. I want to remove personal information that I donot want on my credit report. The information is no longer accurate. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people.

In addition,15 U.S. Code 1681s2 states that the responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are clear violations of my federally protected consumer rights.

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 2019-10-31
Company: ERC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019, I was contacted by Enhanced Recovery Company regarding a debt from XXXX  of {$740.00}. I asked the representative to provide me with an address that service was established and an account number.The representative could not provide me with this information. I informed the representative that this was not my debt and questioned how can they report something on my credit file that they do not have all the information about. She instructed me to go to XXXX ID Theft and fill out a fraud affidavit, on such affidavit, it requests information like, an account number and proof of residency during the time the account was established. 
I contacted ERC again, to inform them that I couldn't successfully fill out an affidavit without that information and they told me that i had to pay the debt even if its not mines to get this removed off my credit file. I did send a request that they validate this debt as mines and provide me with relevant information and have not received any information from the company to support my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Credit Reporting Agency only replies with account verified. 

XXXX  has removed XXXX XXXX Account history due to an agreement honored by XXXX XXXX and myself. Their reporting date is XXXX of each of month. Experian is still reporting this inaccuracy that they are in fact not getting from the Original Creditor. I confirmed the honor of my agreement with customer service representative XXXX by calling ( XXXX ) XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The account is listed as XXXX and if any Agency has this XXXX XXXX account listed as an entirely different account number then just be aware that I only have one XXXX XXXX account and it should reflect any delinquencies or derogatory information at all. 
Experian is also still reporting derogatory marks on my credit report for XXXX/XXXX XXXX : XXXX, which was deleted by XXXX  & XXXX  after a satisfied agreement with creditor/inhouse collections back in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Financial Management Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX letting them know that the dates on the last statement I received are incorrect. XXXXXXXX XXXX charge me for bills at a property I wasn't residing at. I moved out on XX/XX/XXXX, my eviction was scheduled for XX/XX/XXXX, XXXX XXXX has me moving out XX/XX/XXXX charging me XXXX in bills I wasn't using. This is unacceptable and unprofessional.

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 2023-02-03
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the 20th day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 40 days since the bonus was supposed to have been granted to me. I have called and messaged Citibank 5 times from the day the bonus was supposed to post to today ( XXXX XXXX, XXXX ). Each time, the Citibank Customer Service Representative says I qualify for the bonus and to call back in 5 business days. Each time I called back - there was no progress on my promotion dispute. A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, Promotion Code XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX - who assured me that I qualify, that this was a mistake. I got the promo through the Citibank App, after signing in - so I'm not sure how I wouldn't be qualified. A new case was opened by Citi on XXXX XXXX, XXXX and I was assured it would receive escalated attention in XXXX business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. Furthermore, there is no email service provided to allow my promo confirmation email to be provided. 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring this " Leveled Bonus Offer '' promotions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear Sir or Madam, I am a Citi Bank customer and my account information was leaked somehow. I constantly received suspicious calls since XXXX. On XX/XX/XXXX, an imposter claimed to be from the bank and tricked me into sending them cash through XXXX. The imposter initiated a series of unauthorized charges to my account before the call and already knew my account information when he spoke to me on the phone ( I did not share my account access information ). He managed to fake a XXXX account with my name and instructed me to send around {$5000.00} to the account for the sake of security. Later I report the whole case to Citibank and the bank reversed some of the fraudulent transactions but refused to help me with the XXXX scam. I filed multiple cases with the bank for the scam, trying to get a refund but they just turned me down with no explanations. Police reports naturally couldn't help much either. 
As an international student who already lived frugally, I can not possibly afford such a huge loss and it was so devastating. I believe that Regulation E, part of the federal Electronic Fund Transfer Act requires banks to refund consumers for fraudulent transactions on their accounts. Please help me if you could and let me know if there is any action I can take to persuade the bank. Sorry for sounding desperate but I truly am.

Thank you and all the best.

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 2019-04-03
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly requested clarification from Statebridge Company as to their charging of {$370.00} per month for what they claim to be escrow. Statebridge had been charging me for forced placed insurance since XXXX, according to their response to the CFPB complaint, although I have never been without my own insurance for the property in question. I had faxed proof of insurance to Statebridge, to a fax number they provided but later claimed to not be associated with. The same number ( they claim to have no association ) is currently being used by them so their claim to not have received my faxed insurance docs is false. Statebridge eventually acknowledged receipt of insurance coverage and stated they would be sending a check to me for the fees they wrongly charged. In a conversation with team lead, XXXX, the amount of {$1700.00} was quoted by XXXX to be the amount of the payment they sent on the XXXX of XXXX. 
The XXXX and XX/XX/XXXX mortgage statements I have received show an amount of {$5900.00} ( approximately ) as the current balance of my escrow account. This amount is in excess of the amount needed to cover my property tax for the entire year. Although my escrow balance is approximately {$1700.00} more than needed to pay my taxes for the year, Statebridge continues to assess me {$370.00} for taxes ( funding the escrow account ). The {$1700.00} payment claimed, by XXXX, to have been sent to me on XX/XX/XXXX has still not been received. 
On XX/XX/XXXX, I received an email from Statebridge Team Lead, XXXX XXXX, claiming to have forwarded my inquiry regarding the escrow charge and missing payment of {$1700.00}. To date, I still have not received the payment or an explanation for the {$370.00} monthly escrow charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting Act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCU XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 Statement. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018. 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

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 2019-10-31
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2 time making complaint about Well forgo I live XXXX XXXX XXXX XXXX XXXX La XXXX for 20 years in XXXX XXXX LA. XXXX I was in process of renovation of XXXX XXXX XXXX XXXX XXXX LA. XXXX I was in repayment also because I was paying rent to keep in mind this not easy because the house was hit by Hurricane Katrina and Rita but I was trying to make it liable for my family. They Wells Fargo sold the property. I have telling this story many of times with no help we My brother XXXX XXXX took very ill at that time he had ( XXXX XXXX ) power of attorney, Tring very hard to help me brother get better maintaining the house and living on a rental property while the house was in renovation was a very challenging time for me and our family. We put a lot of work into the property to lose it and thy know our situation. This took place XX/XX/2010 If you can help me please let me know. My address is XXXX XXXX XXXX XXXX La XXXX It very hard to pass by XXXX XXXX XXXX XXXX and the house is turning into a blotted house, I can send picture of the house before foreclosure. 

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 explanation
Consumer complaint received 2019-10-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently ( a few months back ) assigned to PHH Mortgage. ( I'm fairly certain it was an assignment of the loan, as opposed to the servicing function, but I'm not sure. ) My complaint related to fees they're charging in connection with online and phone payments. They are also having recurring issues with their website payment portal. 

My previous mortgagee did not charge any fees for online payments. As soon as PHH got involved, they started charge {$7.00} for each online or phone payment. When I questioned them, their position is that I am electing to pay the fee by not paying via check or a recurring automatic payment ( apparently they don't charge the fees for those forms of payment ). All of their communications go to great lengths to reassure you that you've consented to the payment, and that they retain a portion of it and pay a portion to the third party service. 

PHH also has a buggy payment website. It works about half the time. Today, I tried to log on to pay my bill, but the site was down. On the call, they acknowledged the recurring problems and said they're working on it. 

Finally, I have questions about their escrow practices. The previous mortgage company would send me checks periodically because my escrow balance would exceed the maximum allowable limit they are permitted to hold ( which I believe they said was something like your estimated insurance and tax expenses over the next six months ). I have not gotten any refunds from PHH, and my payment has been going up. ( One increases was legitimate and happened in connection with an increase in my insurance premiums ... about {$100.00} increase in premiums for the year ). I can't explain the other increases. 

I don't have dates because I can't log onto their website, but I tend to pay me mortgage during the last few/couple days of each month. So, the fees have been charged near the end of each month for the past several months. 

Thanks for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: MI
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:
Equifax will not allow me to dispute a fraudulent inquiry, even though I've stated to them it's fraud and I am a victim of identity theft. I have also provided them with a police report showing just that. They will not help me as the inquiry is fraudulent and I didn't apply for anything. The inquiry on question is XXXX XXXX on XX/XX/2019. Please help as they are not willing to help me at all.

Company response to consumer: Closed with non-monetary relief