BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
The CFPB is the biggest waste of taxpayers dollars as it is anything but Consumer Protection. This organization believed a pack of lies from Bank of America on my complaint. Refer to my complaint with Bank of America on your idiotic site. I was defrauded and taken advantage of as a Senior Citizen by a greedy Bank of America employee on the pretext of assisting me. I have a witness as well as a voicemail of admittance on my phone from the Bank of America employee that defrauded me yet the CFPB sides with Bank of America? Shame on you and I hope something such as this scam happens to a CFPB employee. This organization is a disgrace to the American Public. I challenge this organization to publish this complaint as surely it will not be.

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 2019-07-26
Company: Westlake Services, LLC
State: OH
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:
I made final payment of loan XX/XX/XXXX in the amount of {$560.00}. Westlake Financial is not reporting information. From XX/XX/XXXX to XX/XX/XXXX {$18000.00} in payments were made to my loan. I overpaid my loan by {$640.00}. They even sent me a refund check. My reports are still showing account is open with a balance of {$17000.00}, last updated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XXXX XXXX, I was scammed into purchasing ( 6 ) {$1000.00}. gift cards at XXXX 's using my Chase Visa Credit Card. When I realized that I had been scammed that night, I contacted Chase and told them that the charges were fraudulent. They said that I would have to wait until the charges were posted, and then I could dispute the charges. 

I waited 3 days until the charges were posted, and then phoned to file a dispute. I was informed that I could not file a dispute. I was sent to the Fraud department, and they investigated the charge and deemed that it was not fraudulent and that I was responsible for payment of the {$6000.00}. 

Further, I asked for some help in letting me pay of the charge interest free. They refused to provide me with any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXXXXXX XXXX XXXXXXXX inquiry on XX/XX/XXXXXXXX XXXX  XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXXXXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, 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 2020-03-01
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dear CFPB : On a span of 3 days, I received 17 calls from Synchrony Bank through different times from the same number. We have our bills up to date, but they stopped calling, even we told them to. I mailed a letter on XX/XX/XXXX, and on XX/XX/XXXX to two different addresses from Synchrony Bank ( one in XXXX and the other one in Utah ), explaining that the calls were unwelcome. We cited the law and the fines per violation. So far I received no response from them.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Fixing Credit Consumer financial protection bureau -submit claim Improper use of report Message to copy : In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 


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

15 USC 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accounts on my credit report. 

XXXX. Us dept of educationXXXX XXXX XXXX Us dept of educationXXXX 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 non-monetary relief
Consumer complaint received 2019-07-26
Company: Experian Information Solutions Inc.
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: 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 2020-03-01
Company: SYNCHRONY FINANCIAL
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:
On a Synchrony Bank Account under my name, there is information posted indicating the account is current from XX/XX/XXXX., XX/XX/XXXX and XX/XX/XXXX. Never in any of these 3 months was the account ever brought current. In fact, it got worse at time went on. This is important because the account should have went into Charge Off status much sooner. It seems to me, it was put into OK status to extend the period in which to try to collect.

The Date it should fall off my credit report is showing as XX/XX/XXXX but in reality that date should be XX/XX/XXXX based on the true delinquency dates. 

I sent an e-mail to The Office of the President of Synchrony Financial in a response to an e-mail in which was sent to me regarding a matter regarding this account. This matter is a separate matter not addressed.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 non-monetary relief
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hello there.On XXXX, transunion charged my and my husband {$19.00} per person for providing a credit report. We were not asked for giving permission to get charged. This is a kind of fraud. Now, they dont cancel my subscription. I want to get our money back and also dont want them to have an access to our credit cards and history. I appreciate if you could help us with this issue. 
Thank you 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 monetary relief
Consumer complaint received 2023-08-07
Company: Upgrade, Inc.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Dear, CEO/ Superior Party of XXXX XXXX As a federally protected consumer, XXXX XXXX XXXX was denied an extension of credit by XXXX XXXX XXXX I submitted an application to extend credit on XX/XX/2023 I was denied. I received a email stating that XXXX XXXX used a host of Determination factors with a lot of third-party companies : Clarity, factor Trust etc. , just to name a few. They used outside parties violating my consumer report to come up with a decision on this matter. As you may be aware, an adverse action against a consumer is against Federal Law. Pursuant to 15 USC 1691 ( a ) ( 3 ), I have been violated, I have also been discriminated against. I have the right to credit under the Truth In Lending Act, 15 USC 1602 ( f ). I understand what a credit card is and that used my credit to card to credit this transaction., pursuant to 15 USC 1602 ( I ). Furthermore, you proclaiming an adverse action against me is unauthorized use of my credit card from which, I received no benefit, pursuant to 15 USC 1602 ( p ). According to 12 CFR 34.3 ; A bank may use any reasonable method to determine a borrowers ability to repay, including, for example, the borrowers current and expected income, current and expected cash flows, net worth, other relevant financial resources, current financial obligations, employment status, credit history, or other relevant factors. Also, thats not talk about how you used 12 CFR 1002 Denial of Credit= Discrimination against me about this matter as well. This is an attempt to give XXXX XXXX an opportunity to rectify this situation. My intent of this letter is to benefit from a fair honorable transaction, through ta right granted to me according to law. You should resort to reasonable procedures to rectify my affairs and compensate me for the use of my social security number otherwise it would be considered unauthorized use since Ive received NO BENEFIT. You have 7 calendar days from the receipt of this letter to reverse your illegal adverse action against me and approve the extension of credit. If you do not you will be held civilly liable in accordance with 15 USC 1691e ( a ) and ( b ) for violation the law. I will then follow with an invoice to collect actual damages for each violation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: Nelnet, 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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The Attorney General of MA contacted me because I was identified of being a victim of XXXX XXXX illegal dealings w/ refinanced. As a settlement, they were required to refinance me and reduce my principal a significant amount ( up to 80 % of the value of my home ) $ XXXX {>= $1,000,000}. I was very ill, hospitalized, XXXX surgeries and constant XXXX XXXX. I was given extra time to finish my paper work. When I finished and submitted my application, they did what was done to me twice before. They increase the principal of the loan by the amount of missed payment. ( the loan stayed stable and was not reduced AS IF a payment was made. ). Due to my illness ( I filed hardship as well ) my income was lower for about 2-3 years. They added {$140000.00} to my principal and applied the DTI to  the new principal. So, I end up with a mortgage much more than I initially borrowed. Modification is not the reality. XXXX XXXX and another mortgage company before that use this to increase their loan amounts, thus larger loans with more interest. How is this relief? 
They did not take into consideration that my numbers reflected a period of illness to which I wrote a hardship request. 

What do I do now? They rejected my application, did not make any effort to comply to their settlement with the AG. 

I feel helpless because they keep saying that this is the way they do modifications. 
I feel I was tricked. And no one at XXXX XXXX wants to question this unethical business practice. 

I am also now XXXX, still working and I have a XXXX adult daughter living with me. 

What can I do? 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: National Credit Systems,Inc.
State: GA
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: Billing dispute for services

Complaint:
I am disputing the move out fees and the damage the XXXX XXXX ( XXXX XXXX XXXX XXXX ) did to my person and my credit report through the collections agency National Credit Systems and The XXXX XXXX XXXX XXXX XXXX. I started a sublease at University XXXX, XXXXXXXX XXXX in XX/XX/XXXX to XX/XX/XXXX. I decided due to convenience to renew and lease again with University XXXX on XX/XX/XXXX through XX/XX/XXXX. In this period they did renovations and changed old furnitures for new ones. They changed the carpet for two of the rooms in the apartment XXXX but not my room since they said I was in a sublease. They sent me a move out statement and each and every item I was not responsible for ( including carpet replacement, ironic? ). I left the apartment in better conditions that what I received it and I have dozens of pictures from the move in and move out. I can provide proof. I sent multiple emails to the then resident manager XXXX XXXX and XXXX XXXX with no response and resolution ( they just straight ignored me ). I went to the office several times and was never able to speak to them. They did not consider the move-in condition form I submitted and charged me all cleaning, painting, carpet, mattress replacement ( the mattress was in the room ). I left my room in good conditions except for normal wear and tear. Btw, the apartment was infested with roaches when I moved in. 

Recently, I needed the account XXXX to be removed from my credit report. I tried contacting again XXXX XXXX XXXX but the managers were not able to speak to me since they were in a meeting. I had to resolve the matter with XXXX XXXX. Provided are the emails and pictures as proof. 

You have a pdf with all my proof. Okay, I have provided all the proof requested from you. Now I request proof that I owe this. Because you pretend to charge me for this. Please provide all the pictures ( not my pictures ) of the move-out that you are attributing me this charge. Please provide me the inspection that was completed at my move-out since I never saw that report. There is an inspection done per the statement you provided in XXXX XXXX, XXXX ( two years after I moved out ).

I have a clean credit and you pretend to mess this up. This is not how you do it. 

I request reimbursement or refund for the {$720.00} I had to pay due to every management ignoring my requests, apologies from the company and complete deletion of the account from the three credit reporting agencies and from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has completely deactivated my account and refuses to give me a reason why or reopen my account. This has caused issues as it was my primary peer-to-peer application when paying friends or family. Recently I attempted to sign up again only to be told that my account was permanently deactivated for violating Venmo 's terms of service. However, Venmo was unable or unwilling to tell me which term I violated. I went through the terms of service with an attorney and I can verify that I have never violated any of the terms of service.

Company response to consumer: Closed with explanation