BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
State: MN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX / XXXX of 2017, my sibling downloaded a virus without my knowledge and the person who made the virus was stealing all of my information without my knowledge. They used {$3300.00} for XXXX which while I was doing my research since this isnt the only card that it has happened too they use it to get money off of either credit cards or any type of cards without any problems. They had / have all my pictures including me with my ID and other pictures relating to that since I did use it for a job with validation also had my social security number etc. by the time I noticed the charges on my account I disputed through XXXX / XXXX   since I was an authorized user on the card they just removed me off of their without asking my parent. They have still to refund the money that was fraudulently used. My mom has been a card member for almost 10 years and never had a problem and this is what we get in return. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Firstly, I a request via the payment coupon along with the payment, that the bank close my account. ( The account had a XXXX balance ). 

I then received my next statement completely ignoring the informal request. Subsequently, I sent a certified letter to the corporate office of Bank of America, requesting that they close the credit card account.

This request appears to have also been ignored, as AGAIN, I received yet another statement showing that the account was still open with a credit balance.

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 2019-09-19
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:
Account shows discharged but it has been settled and paid in full

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 2018-06-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: DISCOVER BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: AMERICAN EXPRESS COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have several Hard Inquires from Credit Card Companies that I do not recognize. I called the Credit card company 's and they told me to call XXXX. I called XXXX  and they had me on hold for a long time then they told me to contact the credit card company 's. I am tired of the run around and I want some action done to take these inquires off of my report. ALL of THEM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Nelnet, Inc.
State: CT
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:
Nelnet erroneously reported 6 student loans totaling {$13000.00} as 90 days delinquent in XXXX of 2015 despite numerous attempts to submit documentation that I was eligible for deferment, or at a minimum forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Equifax is reporting an auto loan that was opened due to identity theft. The account is under my name and social. The account is from creditor XXXX XXXX XXXX ( XXXX ) with the balance of {$17000.00}. This account was opened after I experienced identity theft and I have provided a previous police report to dispute this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: Ashwood Financial Inc
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX of XXXX, I felt that I was having some XXXX XXXX. I contacted XXXX XXXX XXXX to find out if my XXXX XXXX XXXX would cover the visit. They assured me that it would and I scheduled an appointment. I saw XXXX XXXX twice in XXXX. I had a XXXX  that he filled which came out 2 weeks later. He fixed it again and it came out the third time. I went into the office on XX/XX/XXXX to have it fixed again. He told me that it was a difficult filling and that since it was not on a weight bearing tooth, that it wasnt necessary to fix it again. I walked out scratching my head as I have never heard of such a thing. Then I receive a bill for {$720.00}. I called and spoke with the office, and it did not matter that they had told me that XXXX would pay, that it was my responsibility and I should call them. I told them I did not have money to pay this bill. Very soon after I was turned into Ashwood Financial. I have tried to pay them {$10.00} a month. I have worked hard to have good credit, and this entire thing is very upsetting. If anyone can help me get out from this debt or make sure others dont have to go through this, please let me know. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Missing funds from Jpmc workers having closed an account without fully returning my funds. There is still money missing. Branch worker XXXX XXXX refused to answer questions that were asked which I requested to be mailed to me. Another branch Worker XXXX XXXX   was handling the missing funds then, irresponsibly just ignored the emails, causing unnecessary deposit fees when I questioned XXXX   whether my {$370.00} could be deposited or? I went to her coworker XXXX, so, I let XXXX off to not need to respond anymore, but I can not keep allowing all these such workers at XXXX XXXX XXXX   branch replacing another worker then, when the concerns get too inconvenient or complex, these workers abandon its duties to their employer 's clients, leaving the concerns unresolved to completion. These workers are not doing their job. They are being irresponsible by either pushing it to other coworkers or ignoring handling it to completion. The concerns are left in the middle of being handled, begun, never finished. So, Jpmc just allows its workers to leave stuff not completed by ignoring to service whatever its job it is supposed to do? I still need Jpmc to take care of the 2 concerns, one with my missing funds and the other that XXXX XXXX made the mistakes with the Retirement Services concerning an IRA distribution since 2017, over 1 year ago already!

Retirement services Worker XXXX XXXX  told me the distribution requests could not be processed with me having instructed him to handle it as the original instructions, he told me it could not be handled, which was being handled by XXXX XXXX, why all these differing explanations? Jpmc RS XXXX XXXX  arranged for whatever RS specialist to contact me at an arranged time, which they did not keep her promise to me that whatever RS worker would call after all the time arranging. Jpmc asked how satisfied I am? Who would be satisfied with such Chase workers ' lousy mistakes with no services that get mostly nothing done right? Kindly what to do resolve these messes done by Jpmc workers? Jpmc needs to have the concerns handled immediately as the Ira funds must be corrected prior to XX/XX/XXXX, it has taken Jpmc workers too long, these workers delayed it unnecessarily, never doing their jobs in any timely manners. It needs over a year to process 1 simple request?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
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:
I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My cards were shut down for absolutely no reason, Im a bartender and I tend to use my credit cards and then pay them off after a weeks work, I have XXXX and i like to pay off my cards, i was never once late with Aspire Credit Card I had a XXXX limit and XXXX limit. I went to gamble one night and took out a few cash advances and then went to work the next day and paid it off! The next day they took my payment and shut off my credit card. I called and they said it was considered fraudulent purchases, i explained what i did for a living and asked how could I prove I was the rightful owner of the credit card, they said I should learn to follow the rules and regulations and if I could pay off my card like that, then I obviously didnt need a credit card, i said I do, im trying to get my credit fixed and this would ruin my XXXX score, i was told that wasnt their problem, the account was closed and I was hung up on, 2 days later I got a notification that my aspire accounts were closed and my credit dropped XXXX points. This apparently happens a lot with this company and its not fair. Ive worked very hard and how can someone just mess with my credit like that. On top of everything, after I paid them off they refunded me XXXX annual fee, however its a charge, not a credit so now I owe them XXXX on my closed account. This is very frustrating, we are struggling and relied on this credit card. Is there anything I can do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Two payments were made to Stearns in XXXX for my mortgage and only received credit for one payment. One was made on XX/XX/20 and the other on XX/XX/20 ( each for {$3300.00} ). Stearns does not answer the phone and I have submitted on line 3 requests to credit my account. I have submitted to them bank statements ( showing the electronic payment ), Electronic ID 's of payments, Electronic confirmations from my bank. I don't know what else to do to get them to respond. Any help would be appreciated.

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 2017-11-26
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I sent Equifax Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX ) which it was received on XX/XX/XXXX. In this letter I requested Equifax to submit verifiable proof since these are unverified bankruptcies. Equifax sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, the information is reported correctly and currently reporting as discharge. On XX/XX/XXXX, I mailed Equifax another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Equifax has failed to provide me with the information I have requested. This is a violation of the Fair Credit Reporting Act. I have verified and received correspondence from both bankruptcy courts and XXXX, that they do not verify information with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company cancelled the insurance policy I've purchase for myself in favor of its own insurance that is nearly 4 times as expensive. Then on top of that, I backdated the insurance policy to point where now it's charging me for two policies at once, once on XX/XX/2019, then again on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
I have submitted two to three disputes to Experian regarding a bankruptcy and inquiries.

I submitted the bankruptcy disputes onXX/XX/XXXX andXX/XX/XXXXboth came back verified even though I had CLEAR documentation from the Courts stating they do NOT report to any credit agencies. I received a letter from Experian stating they will not dispute again because I did not submit relevant documentation which is FALSE. On both disputes I submitted the RELEVANT documentation they're asking.

Inquiries : I NEVER received any response to my inquiry disputes as well. I submitted them on XX/XX/XXXX - First Dispute XX/XX/XXXX - because they only updated one dispute and IGNORED the others.

XX/XX/XXXX - because I thought they may have slipped through the cracks with the online submission. All of this is a clear violation of the FCRA as it is a requirement to investigate or notify the consumer as to why they wouldn't investigate which this didn't happen either.

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 2017-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking business account with Capital One. On XX/XX/XXXX i tried to make a transaction at a XXXX and the transaction was declined. After several attempts i called the bank and was informed that my account was closed and also my relationship with the bank was ended. The bank was not able to provide me with any information about the reasons behind the closing of the account, yet the still had over {$10000.00} dollars in their custody from my account. I was told to visit a branch but it was too late so all the branches where closed and i had to go the next day. On the XX/XX/XXXX i visited the branch where after a few hours of constant struggle they released my funds but no explanation was provided as the why my account was closed. 
The bank stated that they can close my account for any suspicious activity, or activity that would warrant them the consideration of closing my account, or for no reason at all. 
I mentioned to them that it was not fair that my account was closed since all i own is a tech start-up that works with artificial intelligence and there was really nothing but routine business being conducted on the account. 
After several hours the bank agent said he had done all he can to identify what happened or the reason behind the severed relationship but yielded no results, and that he will get back to me since the fraud department told him it was not a fraud issue. He was told to write an email and they would mail me a check with my funds. I insisted they release my funds which they did and gave them to me in cash. He also gave me a number to call and follow up. I called the number and it was the same thing after over 30 minutes on the phone with them they could n't explain why it happened. I asked them to provide a reason at their earliest convenience since it would look back for my business. During my conversation with the teller on XX/XX/XXXX we where able to identify that someone had access to my account and attempted a transaction at XXXX XXXX. They also failed to give me any information on this in person, or over the phone. So i took the transaction records and i will be reviewing them and going back to them when and if i identify any additional activity or transactions. 
Today is Saturday XX/XX/XXXX and i have yet to receive a call from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
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:
XXXX XXXX XXXX. and XXXX XXXX.

are both out of line. I've already submitted a complaint about XXXX.

EXPERIAN has false creditors on my credit and even though i have disputed it along with the phone XXXX XXXX  address they had marked on my report they still allowed those false claims to remain.

Its not judicious for them to have everyone with a high score so they add, create, or keep things that shouldn't be there so the rating will drop.

Its all about ( shekels ) commerce. I command them to delete these erroneous things and make peace.

I'm one of the few who monitors 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 2019-09-20
Company: Experian Information Solutions Inc.
State: KY
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/2019 XX/XX/2019 & XX/XX/2019 I contacted all three of the bureaus in regards to in accuracies on my credit report. I I requested for them to validate the information on my credit report Ive been part of the breaches from Experian XXXX XXXX in XXXX XXXX the last few years. I asked that they provide the method of verification name address phone number of company that provided the verification as well as proof they received the original dated contract with my signature three months later and they have yet to do so. I have 60 inquiries via XXXX XXXX 35 XXXX  21 Experian that are unauthorized and harming my ability to obtain new credit the only thing they send me is copies of my credit report not the validation which I am asking for. XXXX XXXX and XXXX also still have the three collections on my credit report that was removed XX/XX/2019 due to no validation. I contacted yall about that also and was told it takes 10 days.

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 2018-03-19
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXXa letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we are required to have wind and hail insurance for our property at XXXX XXXX XXXX   We immediately complied and purchase a policy from XXXX. Then onXX/XX/XXXX a letter was sent ( received on XX/XX/XXXX ) to us from Freedom Mortgage stating that we needed to verify wind and hail coverage from XX/XX/XXXX-XX/XX/XXXX. If we were unable to verify coverage, Freedom Mortgage would buy a policy for us, paying for it via our escrow account. We do not see how it is possible to purchase a policy for last year and be charged for a non-service. We also deem it unnecessary considering the year has passed and we do not have any claims for that time period.

Freedom Mortgage bought our loan from XXXX XXXX and up until receiving the first letter on XX/XX/XXXX we were unaware that we were required to have wind and hail insurance. Upon receiving the second letter on XX/XX/XXXX we contacted Freedom Mortgage about this issue. Freedom Mortgage admitted that it was their oversight that we did not have wind and hail coverage. We believe that it is unfair for us to pay for a mistake made by Freedom Mortgage.

On XX/XX/XXXX Freedom Mortgage will purchase a wind and hail policy for XX/XX/XXXX-XX/XX/XXXX using our escrow. We are disputing this charge. It is unfair because we were never informed prior to XX/XX/XXXX that wind and hail insurance was required.

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