BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EQUIFAX is in violation of my consumer right by reporting a wrong information on my report XXXX XXXX XXXX XXXX that starts with XXXX, i need this account blocked completely from my report and block any future report from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So half way thru my vacation last week Pnc bank decided they didnt want to business with me no reason and closed my account before that they put a hold on my account and didnt notify me and me and my XXXX children got embarrassed at XXXX XXXX  and we had to wait so my brother could come pay our bill and know its been two weeks and they still have not given me XXXX XXXX dollars thats in my account me and my kids are sleeping in my car borrowing money for hotels and these people have no sympathy for position they have put me in and I have talked to several people since then even this morning and they have to mail a check which they should have done last week instead they mailed me six letters telling me my account is closed they refuse to give my money at a local branch even tho the branch is XXXX XXXX and no one is the banking system has communication anything or put anything that I called several time I have constantly made them aware of my situation I have XXXX XXXX  in my crypto account and I need XXXX for the processing fee and they are about to make me loose out on this opportunity to better me and my children life the are about to give my account to someone who can afford it as part of the program I sign up for help me please we will be homeless by tomorrow

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: SYNCHRONY FINANCIAL
State: SC
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:
I have had a Paypal account through XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX. I was fraudulenty enrolled in Card Security Debt Cancellation. I signed no Agreement or checked any boxes to give Authorization to enroll. I would have caught this earlier, but I have been coping with a diagnosis of XXXX XXXX with XXXX XXXX since XX/XX/XXXX. I am recieving XXXX XXXX and XXXX. Icalled Card Security several times since XX/XX/XXXX and was givinen excuses and being hung up on. I have a XXXX   Condition gining me aclaim for XXXX not dealing with reality. The doctors form was signed on 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 2018-12-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A person by the name of XXXX said hed help me get a cheaper plane ticket because he had discounted prices to them. After I sent him {$270.00} for my ticket on XX/XX/18 at XXXX XXXX. He proceeded to book the flight but it did not go through due to a payment issue on his account. I notified him and he said hes try again. 3 days later I got fed up with reminding him to buy my plane ticket again. I told him to send my money back on XX/XX/18 and thats when he blocked me on all social media and my phone number too.

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 2020-11-24
Company: SN SERVICING CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : I have tried to work with my mortgage company and after failing to respond they denied my request for help because they placed a foreclosure sale date. I offered them a down payment for over half of what I was due after I file bk to stop the foreclosure sale date. Now they are refusing to give any updates. I don't have an attorney and I am trying to do everything I can to work with them. My counselor XXXX XXXX has also reached out to the current single point of contact XXXX XXXX. She has denied to communicate. We have advised them several times that there is no foreclosure attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: GOLD KEY CREDIT, INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Gold Key Credit Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: JPMORGAN CHASE & CO.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CHASE bank illegally and fraudulently sent my mortgage company money without my express written permission. Chase bank debited my account multiple times for same transaction and put my account into the negatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Convergent Resources, 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: Their investigation did not fix an error on your report

Complaint:
I received a letter from XXXX XXXX ( see attached ) dated XX/XX/XXXX. I followed up with this company disputing the entry they placed on my credit reports. This company did not send a dunning letter prior to placing the entry on my credit report. This is a direct violation of my consumer rights. Additionally, it did not allow me the 30 days as mandated by consumer law to dispute the validity of their inaccurate entry. In my letter to them ( see attached ), dated, XX/XX/XXXX, I specifically requested that the provide me validation of debt and not verification of the debt.

Convergent responded with the exact information that they sent to me on XX/XX/XXXX ( see attached ). I requested the following : An agreement that states their authority to collect on this alleged debt, agreement with signature of the alleged debtor wherin he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable, verification that this debt was assigned or sold to collector, complete accounting of the alleged debt and name and address of the bonding agent for this collection agency in case legal action becomes necessary. 

Convergent failed to deliver the information, yet they continue to violate my consumer rights with the reporting of this entry. This item should be DELETED immediately from my reports.

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 2020-07-02
Company: EQUIFAX, 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:
On XX/XX/2020, my name was legally changed from " XXXX XXXX XXXX '' to " XXXX XXXX XXXX ''. The Social Security Administration was notified the following day and promptly updated their records. 

Throughout the month of XXXX I notified all of my creditors and financial institutions of the name change. That process was complete by mid-XXXX, and in XX/XX/2020 I began receiving statements from my creditors with my correct legal name. 

Since then, the credit bureaus should have been notified of the change via my creditors and financial institutions. However, I can not access my credit report. I am a user of the third-party credit checking service XXXX, which is how I first discovered that my credit history had disappeared. 

At the urging of XXXX 's support staff, I attempted to retrieve my credit reports directly from the bureaus via annualcreditreport dot com. I tried requesting my report using my correct legal name XXXX XXXX XXXX XXXX XXXX and all three bureaus notified me that my credit could not be pulled. I also tried using my former name XXXX XXXX XXXX XXXX XXXX, with the same results. 

As my information has been corrected with my creditors, financial institutions, and the SSA, there is no legitimate reason for my credit report to be inaccessible. My address, SSN, employer, etc. did not change, so there are no complicating factors. This was a simple name change. 

This puts me in an impossible position as I can not access my credit report to file a complaint or even determine what the problem is. Without access to my credit report I am unable to diligently and responsibly manage my finances. This is a clear violation of my rights under the FCRA. 

Furthermore, the bureaus ' inability to process a legitimate first name change disproportionately affects members of the transgender community, and is likely discrimination under state and federal laws. I am prepared to escalate this issue if it remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXXIn XX/XX/XXXX I protested the value of my property that Bank of America gave me a mortgage for in XXXX. 
-The property value dropped from {$720000.00} to about {$670000.00}. 
-At about the same time, Bank of America notified me that my monthly amount went up because they were applying the escrow amount on {$720000.00}. 
-Beginning in XX/XX/XXXX through XX/XX/XXXX, automatic payments were made to Bank of America , but BOA rejected the payments because they did not match the escrow amount based on {$720000.00}. 
-Bank of America charged me late fees XXXX XXXX. 
-Bank of America misreported this activity to the Credit Bureaus, dropping my credit score 100 points. 

-XX/XX/XXXX Bank of America mailed me a LATE CHARGE REFUND check for XXXX XXXX!!! 

-Bank of America needs to UPDATE THE 4 CREDIT BUREAUS that I was not actually late on any payments.

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 2020-02-03
Company: CL Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A item on my credit report has been illegally negative re-aged. Here is the background. 
Someone opened a XXXX account in my name. 
Approximately 8-9 years ago it went into collections. Approximately 3 years ago I disputed it and it was removed from my credit report. A few months later it re appeared with a new date of XX/XX/2017. 
The item is as follows Debt description XXXX XXXX   Current creditor XXXX XXXX XXXX XXXX Amount of the debt {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one credit had fraudulently applied for a credit card without my consent application number XXXX. After The company required more information for validation, I was told I have a 90 day time limit from numerous representatives at their call center and supervisors. When I sent the final validation information into capital one and called them, they had stated they would be pulling another credit check, and I told them that is not what I've been told, that i was going to make a complaint to the FTC, and do not make another credit check, and I do not want the credit card. For the 2 months prior to the company refiling my application, I told many customer service reps and supervisors that i do not want a 2nd credit pull. Its in the companies call logs/ recordings, and in their notes within my account. Capital One had processed the application anyways without my consent, and my clear response of telling the company no. After repeated attempts to have them remove those credit pulls nothing has been done. Pennsylvania and Federal laws clearly show this company is in major violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-22
Company: STATE FARM BANK, FSB
State: NH
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: D2 Management LLC
State: AK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2021 I got a call from D2 Management saying to owe a debt from XXXX XXXX XXXX in Texas which I do owe a debt and they said the right amount and everything. I did give them my banking information and verified the last 4 of my social security. Now I try and call them but never any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have gotten constant calls from the same debt collector called XXXX. They have contacted me on multiple unofficial numbers.

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 2021-03-25
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For years I had no idea who had my student loan. I noticed a garnishment of {$520.00} on my paycheck and learned that my loan was with Pioneer Credit Recovery. I reached out to them to set up a payment plan and stop the garnishment. The woman I spoke with wasn't rude however she did talk about 100mph and I felt like she was trying get me committed to some payment plan that I wasn't fully understanding. They spoke to me in circles when I tried to gain some clarity of what she was " offering '' to me. However they were going to take my initial concern of {$520.00} and add a " payment plan '' to it. So by trying to get some resolution to my debt, I was going to incur more loss. 

I was under the impression that due to Covid, we were being offered more favorable options where this was concerned. In all honesty, I felt like I was violated after this call.

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 2020-10-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The original loan that was through the Department of Education came through Navient between XXXX - XX/XX/XXXX. The phone call made XX/XX/XXXX specified the amount totaling {$25000.00} which is included in a debt consolidation program which starts with XXXX XX/XX/XXXX. A bill came in the mail dated XX/XX/XXXX from a collection agency, XXXX XXXX XXXX XXXX XXXX in the amount of {$8200.00}, claiming that it was transferred from Navient as a federal loan comprised of 6 loans. When calling to dispute the debt, the person on the phone claimed that not only does the dispute have to be in writing with a time limit of 30 days from the date of the letter, that they do not have any information on hand of the debt in question but it was considered in good standing and is being sent back to the company. The debt collector proceeded to ask about account numbers and amounts of the loan. 

This letter came soon after I had applied through the XXXX XXXX XXXX program for debt consolidation that was applied for in the beginning of XXXX of XXXX. I have paid automatically every month on this " loan '' for over three years with the payment coming out with the name " XXXX XXXX '' for {$300.00} a month, which was agreed upon. I do not have any further information on the debt in question except for the last four numbers of the account. The debt collector would not even give me my own account number for the bill they had sent to me to collect said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$3500.00} on the XXXX original creditor XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My son came down with medical issues and I suspected it was due to mold and the neighboring tenants smoking near my apartment. My son has severe XXXX and the smoke was seriously harming his health. I contacted the Apartment Complex Manager however, they didn't do anything to address the issues so I contacted the City and when the apartment complex found out that I did this, they forced me to move out. I found out later that they charged me for three ( 3 ) months rent for time I was not living in the apartment. I have attached email correspondence for reference. The apartment complex broke the lease, I did not. This was through no fault of my own. They broke the law for not fixing a material defect and allowing other tenants to smoke near my apartment unit, as well as unlawfully evicting me and kicking me out, and for unlawfully charging me for rents that I do not owe. I do not have an outstanding balance due and therefore there is nothing to collect and/or charge off. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the  bureaus to remove this however, I have not been successful.

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 2020-05-28
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I signed up to use XXXX  and pnc will not allow me to add my card. Pnc will not work with XXXX. This is very important as my kids use XXXX  and I need to be able to send them money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Ad Astra Recovery Services Inc
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had applied for a {$300.00} pay day loan in XXXX, XXXX with XXXX XXXX in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to Ad Astra Collection Agency in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XXXX, XXXX, I mailed the reported amount of {$250.00} to Ad Astra, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that Ad Astra is falsely reporting to the credit bureau that I have an unpaid balance.

Company response to consumer: Closed with explanation