BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hello, I have a bank account at Chase Bank and I deposited a cashiers check on Friday XX/XX/2020. It was a guaranteed check and it was not available to me for withdraw on Monday XX/XX/2020. Not even the first XXXX $ like it says on their contract. Well I called them Monday Around XXXX and explained why there was a hold on my check. And the first XXXX $ was not available to me like it states in their contract. Well the lady I some to was very nice and sweet, first of all. So I don't know if it was her or really the other banks fault like she stated to me, on the reason why they couldn't release anything to me that day because, the other bank has a hold on it until, XX/XX/2020, which is very ridiculous if you ask me. I have no money and haven't went back to work and I have a car payment and things I need to pay in order to survive at this time. So for them to hold it that long is ridiculous and then they shouldn't say they will release some of it if they won't. XXXX and XXXX. I have departed larger checks and they have been avail e to me same day or the next business day so why hold this one? I think chase is no good and they never answer their phones. If they do you have to wait hours just to get thru. This is not okay for us who bank with banks. We r suppose to trust them. Now what am I suppose to do with XXXX kids?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed a few accounts on my report I do not recognize

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 2017-10-31
Company: AES/PHEAA
State: OH
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:
To Whom It May Concern, I am contacting you for guidance, help, and/or assistance concerning the XXXX XXXX XXXX XXXX ( PSLF ) program. My wife and I are both XXXX and have diligently been making our student loan payments on time and in full since the beginning of our repayments. 

My focus is my wife, XXXX, because she has been making on-time, full payments for almost 15 years, while XXXX into her XXXX year. AS you will see in the attached letter from Fedloan Servicing, XXXX was certified in XXXX for her employment with XXXX XXXX XXXX that began in XXXX. Because she loves this job so much, it is the only XXXX position that she has held in this low income district. 

The reason as to why I am contacting you is because we recently learned that she will not be eligible for XXXX because she was placed under the incorrect payment plan. As you can see from the attached letter, it appears that she qualifies for XXXX. She was actually under a plan where we paid more per month! IF we were aware of this, we would ensure that we were under the correct plan, especially if we could pay less per month. 

We feel the letter certifying her employment is deceiving, giving us the impression that we are on track for XXXX. XXXX and I both have master 's degrees and are both highly educated, however we did not catch the costly mistake that not only affects us, but our children. Why would we choose not to be under a qualifying plan? Why would be make on-time, full payments for years under the incorrect plan? 

We not mind paying our fair share but feel like there should be some kind of solution to a situation like ours instead of starting at the beginning. We feel like we are being punished for doing all the right steps. It is documented that XXXX and I have been making on-time payments in full for over XXXX years. Tax and student loan records can prove this. 

My question to you is, what do we do from here? There has to be a solution to our situation because we can not be the only educators in this position where we thought we were doing what was right but were mislead. I have many other documents that I can scan, copy, and upload if needed. 

Thank you in advance for your help- XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: JPMORGAN CHASE & CO.
State: TN
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 is AGAIN running a credit report without my authorization or applying for a credit or a job! The newest inquiry was on XXXX/XXXX/XXXX with XXXX and XXXX/XXXX/XXXX with XXXX. XXXX had refused to stop and was actually class action sued about this activity in XXXX! XXXX removed the information after being contacted. XXXX has STILL failed to remove the fraudulent inquiries and XXXX just made ANOTHER INQUIRY AS DETAILED ABOVE! XXXX also breached my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I recently looked at my credit reports and noticed that this CAPITAL ONE BANK XXXX XXXX reported 30 day late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30,60 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be  reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for this Walgreens credit card issued thru synchrony bank & was denied? Im constantly denied thru this bank I dont understand why I have good credit no obligations yet they send me a a letter stating I have to many obligations to income? Impossible for this to be true! Im attaching my account balances along with the denial letter

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 2017-10-31
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I lost my job and my Wells Fargo Dealer Services agreed to allow me to pay weekly or no weekly to get caught up as there was a delay in me receiving unemployment. 
I made my first agreed payment of {$200.00} on XXXX XXXX XXXX, On XXXX XXXX XXXX sometime after XXXX pm the car was towed/repossessed from my home. 
When I made these payment arrangements I requested them in writing, XXXX refused saying they only note the account, not provide written confirmation of the agreement. 

Ater the car was repossessed I was told there were no approved payment arrangements noted tot he account, or on record. 
The car is to be sold on XXXX XXXX if I ca n't pay their fees, repo fees and XXXX fees to get the car back. 

This is not my only concern with this organization. 
On XXXX XXXX XXXX, while in California I paid XXXX cash at a XXXX branch to be later told the payment was credited as XXXX. Not XXXX. 
I scanned a copy of the receiot to XXXX XXXX DEALER SERVICES only to be told over XXXX week period it was never received. 
I asked for account managers email, they refused to provide, as obviously the fax # I was sending to there was an issue. 

Prior to this incident, in XXXX XXXX I again made a cash payment at a XXXX branch In XXXX, As close to my home. 
I paid the full payment of XXXX, however the receipt only said XXXX. I went to the branch XXXX there, explained what happened. It appears they were trying to cover for the teller who did this ( she still works there XXXX, so I demanded they call loss prevention and have them come review the video footage. 
They did, found the error and said they would correct it.I am not sure what correct it meant but my loan payment was never credited and my account was NEVER credited the missing loan payment that the teller mishandled to this day. 
I requested a thorough account audit and account payment history from XXXX XXXX thru current, the payment feom XXXX XXXX still says XXXX as oppose to XXXX as it should be. 

Overall, I have tried to stay in XXXX touch with whoever handled my accoubt if there is an address but it appears if there is great financial hardship or detriment WELLS FARGO DEALER SERVICES will tell you one thing on the phone and do whatever they want in the interim. 
They can not be trusted at the loan servicing level all the way down to the branch level.

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 2017-10-31
Company: TENET HEALTHCARE CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have a total of 20 collections from Central Financial Control on my credit report for XXXX XXXX they were removed and some how replaced back asked for documents and bills to verify each account still no verification but its being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX ( NMLS ID XXXX ) put a hard inquiry into my account without my consent. She misinformed me on rates for an investment property refinance then pulled credit without my consent. After multiple times telling her I wanted cash-out to refinance she quoted me the rate of the regular refinances which has a lower rate. The other was substantially higher. She also tried to charge me their {$500.00} fee as well. She was just trying to push me through the process and did not listen or do any diligence to ensure she was doing the right thing. Her manager is XXXX XXXX XXXX XXXX Manager| NMLS ID XXXX| XXXX. Poorly run area. Have had many issues with them. They also demonstrate discriminatory practices and I recommend someone ( not JP Chase ) reach out to me so I can explain. They need to be audited on something as I am sure of wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Home Point Financial Corporation
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I started a refinance to lower my interest rate. I was told that I would be able to miss 2 months of payments, which was to be XXXX and XXXX and get back the {$2600.00} that was in my escrow. Because I was promised these financials I agreed and continued on with the process. As mid XXXX approached and I did not hear anything I called and was told they were waiting on the title company. I did not trust the fact that I was told that I would not get a late fee if I did not make XXXX 's payment and was not feeling very secure with what was going on so I paid the XXXX payment to stay in good standing of no lates with my mortgage payments. Finally when I called again towards the end of XXXX I was told that Someone from a title company would be contacting me for closing. I did close in the beginning of XXXX ( after my Insurance was paid ) and was told by the Title representative that the escrow I was promised would probably be mail to me. After a month had gone by I called to find out about my escrow and was told it was used to pay my house insurance which had become due in XXXX. I called several times trying to call the agents that I had worked leaving multiple voice mails but no one returned my calls. I know that they were working since they had no problem keeping up with me to get me through the whole loan process. Now I feel as though they stalled me in XXXX knowing my Insurance would be due soon. I feel I have been lied to and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I was awarded a car in a seperation ( XXXX XXXXXXXX related ) where I was the cosigner. Ford Motor Credit would not work with me to get the title in my name. My abuser repeatedly used the car to harass and abuse me so I turned in the vehicle after repeated attempts to get help and after a year of struggling. Ford Motor Credit never attempted to contact the originator of the debt. They contacted me by mail stating the car would be sold. 4 years later I was informed that they were suing me for the balance. My response was not recorded at the court, I did call Ford Motor Credit and their attorney and informed them that the vehicle was sold and that I was not the originator of the debt, they acknowledged that they never contacted him laughed at my abuse claim and hung up on me. My wages have now been garnished for 1200 more than the debt. I was never notified of the judgement and it was ever put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have notified Transunion in writing that I DO NOT CONSENT TO E-OSCAR or any automated investigations. I making that clear to you CFPB and TransUnion. If I need to report this matter to the FTC I will with no hesitations. Yes, I XXXX XXXX XXXX XXXX XXXX am filing this complaint for myself. I know that you all try to stall process thinking a consumer has another company submitting for them, but I have enough sense to file a complaint for myself. 
In XX/XX/2022 I filed a dispute with Transunion regarding late payments being inaccurate on my credit report with XXXX XXXX. I have continuously tried to correct this issue with Transunion and have not been successful. Today XX/XX/2022 I have submitted a dispute online and have uploaded my documents for proof of my payment history that I have received from a member of management from XXXX XXXX in person. When calling in to TransUnion today XX/XX/2022 I spoke with a XXXX supervisor regarding XXXX XXXX account as well and she said that she didn't see any lates, well if she doesn't see any lates then why are they reporting them on my credit 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 2017-10-31
Company: JPMORGAN CHASE & CO.
State: CA
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:
I have reported to XXXX several times about XXXX purchases that I never received from the merchant. The first purchase posted to my account on XXXX XXXX, XXXX, for {$580.00}, and appears on my statement as XXXX XXXX XXXX, OH. The second purchase posted on XXXX XXXX, XXXX, for {$360.00}, and appears as XXXX, OH. I never received the merchandise in the first place despite tracking information shows the shipments were successfully delivered. Carriers have been known to leave packages unattended at the porch and as such anyone could have just taken it. I never heard back from XXXX regarding any of these disputes I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: PlusFour, Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX  XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion continues to report inaccurate information. They are reporting two accounts, XXXX ( {$11000.00} ) and XXXX ( {$35000.00} ) that were open fraudulently. Both accounts were removed by XXXX and XXXX. This inaccurate reporting continues to affect my ability to secure gainful employment and purchase a home. I have sent numerous letters to Transunion regard this inaccurate reporting.

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 2017-10-31
Company: EQUIFAX, INC.
State: NJ
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:
Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for Capital One Venture Rewards card. My Credit score is excellent in the range of XXXX but still I am being denied this credit card. I do n't know why? Applying for a credit card impacts the credit score and I have no idea why this credit card pops up in XXXX XXXX or other places stating that I have Very good odds to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
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 was charged over {$5000.00} which was fraudulent. The police were involved, a police report was made, and spoke to many different individuals about the case. It took over 3 months for the charges to be considered fraudulent. I continued to receive bills in the mail. Continued to receive phone calls about making payments to the credit card when it was indeed found fraudulent. It was extremely difficult to get a hold of someone who could help. This is continuing to go on and is not yet settled. It was a XXXX XXXX XXXX XXXX XXXX XXXX. It has been a nightmare trying to figure everything out when this should have been taken care of when it occurred back in XXXX. I followed all of the correct steps of calling the police, cancelling the cards, and sending in numerous documents stating which charges were fraud. The individual that stole the card was even caught on camera at several locations using the card.

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