BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: FL
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 closed my account on XX/XX/2018 for my cards ending in XXXX, XXXX, and XXXX. The stated reasons were " because our affiliate is ending its banking relationship with you. '' I do not understand which affiliate Chase was referring to because all my bank accounts and credit cards are still fine with other institutions. 
I am seriously concerned that a recent interaction with a Chase representative has resulted in him flagging my account because I am a transgender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: DISCOVER BANK
State: MD
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 have file number of dispute that an Account Number : XXXX was open in my name by Ex wife or someone else ... the address where the account was open is not list on my credite report nor i have live there the email address on file is wrong also ..I have place a fraud alert on my credit report and contact Discover over and over about this account .Yet again, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I completed the process for requesting my annual free credit report at the XXXX web-site, but did not receive my credit report. Instead, I received the following uncorrectable and incomplete error : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-03
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My information was fraudulently used to apply for a loan. I called to have the application closed, and to be sure that my personal information was disposed of safely, and that my account was closed as fraud. they gave me the run around, and didnt have anyone that would help me, customer service wanted me to call the department, yet no one would help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid 3 different companies to do a modification of about {$3500.00} and also try to modify with green tree they had me bring my mortgage up with I did, still didn't get it they pressure me to move so they sell the house, my wife and I lose 4 year of mortgage payment at XXXX + and my credit rating hurt us that follow us for 8 year. {$67000.00} down the drain, we just got the letter from you all with a {$10.00} check that really hurt after all the money we lost XXXX, m put it in XXXX hands and yours. Ps please help vet out, it will help us get new mortgage. Contact # XXXX at. XXXX XXXX XXXX XXXX XXXX la XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
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 is missing that should be on the report

Complaint:
XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.

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 2020-02-27
Company: Experian Information Solutions 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:
There is a medical collections on my account that is not mine, and I did not authorize these inquiries : Creditor/Furnisher : XXXX XXXX  XXXX/XXXX  XXXX Creditor/Furnisher : XXXX XXXX - XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX  XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX/XXXX  Creditor/Furnisher : XXXX  Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX   XXXX  Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : XXXX/XXXX Creditor/Furnisher : XXXX XXXX XXXX   Creditor/Furnisher : XXXX XXXX XXXX Also, I filed a complaint with the FTC report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-08
Company: CITIBANK, N.A.
State: TX
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/2018 I sent Best Buy/CBNA a letter disputing the account they are reporting on my credit report as charged off in the amount of {$5000.00} ( while the credit limit for this supposed account was only {$3600.00} ). It was delivered certified mail and signed for at the address listed on my credit report on XX/XX/2018. A few weeks later I received a letter from CBNA dated XX/XX/2018 stating that they were no longer attempting to collect the remaining balance on this account signed by a Mr. XXXX, listed as Vice President of CBNA. It is now XX/XX/2018 and the credit report I just received yesterday, XX/XX/2018, still contains CBNA inaccurately listing that account in collections/charged off in the same amount of {$5000.00}. On top of not removing the account from my credit report as said in a letter from them, they also have not marked the account as disputed on my credit report as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Throughout this entire process I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.

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 2018-07-08
Company: Conn's, Inc.
State: TX
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 sent a letter via certified USPS mail to Conns Credit Corp that was signed for by an employee at the address listed on my credit report on XX/XX/2018. The letter disputed an account they are currently listing on my credit report as having been late over 30 days on four ( 4 ) occasions. They sent me a letter back a few weeks later with what was supposedly " verification '' of the reported account. I waited the required 30 days as per the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). On the 31st day, I printed an updated copy of my credit report and it still contained the above-mentioned account and had not been marked " disputed '' by any of the credit bureaus as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).  We are now at XX/XX/2018 and I have since printed two additional updated credit reports that do not have the accounts listed as " disputed ''. Throughout this entire process, I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Direct Recovery Services, LLC
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Direct Recovery left a message on my cell phone stating I had ignored their attempts to collect on a debt. Their phone number is XXXX and occurred on XX/XX/2018 at approximately XXXXXXXX XXXX. I keep my bills paid and suspect the caller to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: WESTERN UNION COMPANY, THE
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Western Union was used to send money to the XXXX as we do each month. We sent the money on XX/XX/2018 at XXXX XXXX Central time. Western Union has a new policy where they take the money out of your account but it is not ready for pick up for about 7 days. They are using the consumers money for their gain. 
tracking number is XXXX for the first transaction and XXXX for the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity loan with Chase since XX/XX/XXXX. I am currently repaying it. The HEL is secured by my house. I had received XXXX  every year untilXX/XX/XXXX. I did not receive one for XX/XX/XXXX. I have tried to contact Chase numerous times and I have been told that the HEL is not secured by any real estate therefore they are not issuing a XXXX. This is completely wrong. The terms of the loan have not changed. I have been waiting for the XXXX and spent numerous HOURS on the phone with several agents, even with my branch manager, but they are refusing to issue a XXXX.

I am unable to file my taxes without that document. I need to submit copy of my taxes for my request for financial aid for both of my kids.

I have copies of XXXX from every year up to XX/XX/XXXX. Chase is refusing to correct their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy

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 2021-02-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my payroll card issued by wisely to purchase a XXXX present from XXXX and they disputed the charge without my permission, closing my card on XX/XX/XXXX. The dispute was settled with XXXX on XX/XX/XXXX with XXXX losing and XXXX  removing the money from XXXX  account. According to wisely there was no dispute and no refund was processed by XXXX so there is no money that is supposed to go back to my account. XXXX is not understanding that XXXX has already lost the funds by losing the dispute and will not process an additional refund because that means they would lose out on the funds twice. XXXX  is not understanding or helping this situation even after a conference call between us so XXXX suggested this route to help us all get our money back

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
malice prosecutor, not at good faith. I had an old credit debts was open in XX/XX/2008 and paid off closed on XXXX XXXX now I debt collector XXXX XXXX XXXX XXXX, l sue which I asked them with signature open that account they can not show cause they no prove. I went court I told the judge without prove of my signature open an account for $ XXXX.it is not mind. they said all fees including. I show prove from credit burau where I had an account with bank of America and account where paid and closed. they said, they are the one who paid it. case was disposed. two years later they are tried to garnished my money. I went to court garnishment dissolved. now they tried again recently garnishment dissolve. I told them show me where did I open that account with my signature. and for last, they have tree different account

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 2021-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
i have an unemployment card that i haven't used since back in XX/XX/2020. I had an available balance of {$600.00} at that time. I recently noticed a charge on my account that i did not authorized on XX/XX/2020 for {$220.00} for a XXXX  purchase at XXXX, and a two other transactions for XXXX  at a XXXX XXXX for {$100.00}.

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 2021-02-03
Company: DISCOVER BANK
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I contacted TransUnion about removing an erroneous inquiry, from my credit reporting. I informed TransUnion that I attempted to resolve the issue with the reporting creditor to no avail and was now XXXX XXXX XXXX ) attempting to file a dispute with them. They gave me the number to the FTC and told me to call. They said I needed to request a letter from the FTC, upon which one would be sent, in support of removal of the inquiry. I would need to send that letter that I would receive from the FTC, plus written correspondence to XXXX  PO Box to have the inquiry removed. I have been unsuccessful finding out or receiving answers to the inquirys removal and XXXX  has misled me with bad information in regard to getting it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
About a month ago i reached out to transunion about 4 different times. I advised them of the Identity theft that has occurred and that there were transactions that i am requesting be blocked due to my FCRA Rights. I sent in my Law Enforcement Affidavit. They blocked one account, and then later re add the account. I am requesting the XXXX/XXXX  or XXXX/XXXX XXXX Account 's be blocked. These are fraudulent. I did not apply for any new cards with XXXX. I did not apply for this card, they never sent me any cards never sent me any statements and i do not believe i should be held liable for a Fraudulent account especially since i have already had this blocked and you re added it. PLEASE BLOCK THESE FROM MY CREDIT FILE. Delete them, and do not re add them. Additionally you have added an account that says XXXX this is also fraudulent. I did not open this account, and back when i previously reported this you stated you blocked all XXXX XXXX information from my credit report. These are bringing my Credit Score Down. These are negative accounts that i did not authorize nor did i ever receive any products from these. 

Additionally Transunion will not allow me to access my security freeze to temporarily lift it or anything. I have gone to the Freeze.Transunion.Com and Signed in. It does not allow me to do anything and says to either mail in my request or to call. Please fix my login so that i can access the freeze site.

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 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Dear ..., I am forced to contact you directly as I am victim of Identity theft, recently I saw my report nd I got shocked. There is an account that I do not recognize absolutely I guess somebody used my personal information, or its an error however I want you to delete it from my report as I can not move on in my life. Please check and this information and come back to me shortly. Thank you

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 2021-02-03
Company: Experian Information Solutions Inc.
State: NY
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:
Disputed a bill from XXXX XXXX that showed up for 3 months in XXXX, marked as delinquent then was somehow marked as payed. I have no record of payment, I have not had a XXXX XXXX account since XX/XX/XXXX. In retaliation for questioning the report, XXXX XXXX has now marked this same account as delinquent for XX/XX/XXXX and XX/XX/XXXX, previously it was marked as paid and closed in XXXX. They have provided no information as to where this account came from, and I have no knowledge of the balance or the service provided.

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