BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and convergent agreed to remove, Transunion and XXXX are refusing my dispute to have it removed. XXXX has removed but Transunion and XXXX have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past 6months to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: TD BANK US HOLDING COMPANY
State: NC
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 been with Target Card services since XXXX. On XX/XX/XXXX I called to do a customer assistance due to medical issues with my spouse. On XX/XX/XXXX at XXXX XXXX, I was told by the rep that he would waive the {$93.00} and I did not need to make a payment until XX/XX/XXXX of {$28.00} and I would not be reported to the credit bureau. This is also stated on my statement and the letter I received. On XX/XX/XXXX, I realized I was reported 30 days past due reached out and spoke with a rude rep and then requested to speak with the supervisor. I spoke to the supervisor after 3 more phone calls she stated I would need to write a letter to get the call reviewed because the rep gave me the incorrect info and I needed to make the payment of XXXX and will be no longer 30 days past due. I made the payment then reached out the next week to see if there was a status on the letter and I was told no but the rep put in the dispute as well that was not previously put in. The next week I called and was told I would receive a letter with the status and my account is current and not past due. On XX/XX/XXXX I called with a follow to make sure I was not past due and was advised that I was not past due on my account and a letter was sent in XX/XX/XXXX with the results of the investigation. On XX/XX/XXXX I receive a notification from XXXX that I was 30 days past due for XX/XX/XXXX and XX/XX/XXXX, which was confusing because I made a payment 3 times in XXXX on XX/XX/XXXX, XXXX and the payment was due on XX/XX/XXXX. I spoke with a rep that then said I was 60 days past due even though I spoke with several ppl that stated I Current. I called back and spoke with a lead that stated he did not understand the reporting being my payment was due yesterday and the system will not report to the credit bureau until the XX/XX/XXXX of the month. He stated for me to call back on the XX/XX/XXXX, with the update and provided me with a case number. This is ridiculous and poor customer service and training on their end. The reps provide you with the incorrect information and the consumer pays the consequences. This is unethical practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Credit Systems International, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For 2 and a half years since 2015 I received calls with threats from this company which include damage my credit. They claim I owe {$530.00} to XXXX XXXX XXXX XXXX. Which I never have been to. I called this XXXX and they didnt have a record of me there. Now this XXXX XXXX XXXX have reported me to XXXX and it has impacted my credit negatively. I am tired of their abuse and I would like for them to take the negative mark from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
this is a HELOC with a Separate account number NOT IN LITIGATION. JP Morgan Chase Bank, NA, I believe is trying to merge the first mortgage ( in litigation ) with this HELOC NOT IN LITIGATION by making the new investor the same collections as the first that is in litigation. This is an attempt to merge the HELOC NOT in litigation with the primary that is in litigation. TWO SEPARATE ACCOUNTS. Now JP Morgan Chase Bank NA is trying to illegally merge the two accounts in effort to commit acts of wrongful/illegal? banking practices.

Please see attached showing two separate accounts being merged when the servicer of the primary mortgage Now Claims to be the new investor of the separate HELOC Not in litigation ... PLEASE SEE ALL ATTACHED!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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: Their investigation did not fix an error on your report

Complaint:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX, US DEP ED XXXX , US DEP ED XXXX , US DEP ED XXXX, US DEP ED 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 2017-09-07
Company: BB&T CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.

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 2019-08-02
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Today, I called Navient about information on my loan. Yet again, they can not give me details. It is if they just made it up and I am supposed to agree and abide by that. I have done this several times. They send me from one department to another. I am seeking the payments recieved, the amounts, when they were recieved, and from what account. My bank does not have any record of this nor do I have recollection of what they have posted. They have changed, re-aged, and falsely reported everything from the amount owed, payment dates, to interest, charged off dates, and balance owed. This is all done to keep it on my credit. I have no problem making payment arrangements to them but I need correct information, detail, all mailed to me. They are known for falsifying things. They refuse to. They just send me a print out of what they typed in I owed. They give me nothing so I can do my own research. I do not trust them for good reason. Millions of people have been duped by them. I am unable to secure high employment, a home, and decent life due to their continued false reportings. I need your help in getting this information. I feel that they are reporting this on my credit well past the legal dates by using false info. Please help. If they can not give me this info, then I want it removed immeidatly for good. Again, I am not refusing to make payment arrangments with them. I am seeking a correction to this issue or I may have to take legal action myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XXXX/XXXX/2010 it has a balanced of {$4700.00}. I 'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things

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 2021-04-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
USAA has not blocked transactions from companoes I have told are fraudulent. Specifically, XXXX. I had to transfer all direct deposits form this account and they have repeatedly failed to fix this issue. They are racking up NSF fees that are not my responsibility. I have tried to cancel the account but they have to have so much time in between activity and I cant pay off the transactions befoee another appears even though I have told them I do not want their services and to block all transactions.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from RENT RECOVERY SOLUTION. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against RENT RECOVERY SOLUTION in regards to this matter. The XXXX also instructed me to complete and theft affidavit through XXXX XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a home equity line of credit from XXXX XXXX XXXX XXXX in XXXX Oregon. I used some of the money to pay off my XXXX XXXX account. A cashier 's check # XXXX in the amount of {$14000.00} was mailed to XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX Ref XXXX. Bank of New York Mellon fraudulently cashed the check and deposited the funds into their bank. Both myself and XXXX have contacted Bank of New York Mellon and as of today ( X/XX/2017 ), 55 days after they stole the money they have not refunded anything. XXXX has loaned me another {$14000.00} so I could pay off the XXXX account so now I 'm still on the hook for the missing {$14000.00}. I want my money back NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Aspen Yo LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Consumer Finance Protection Bureau DEAR SIRS : XX/XX/XXXX XXXX I have been dealing with Gregory Funding since the Corona Virus Pandemic in XXXX of XXXX= There seems to be different option every time I call Gregory Funding- with Late Fee Charge and compounded interest on my residential home loan- # XXXX First Gregory Funding will not allow a REAL Forbearance to rearrange my monthly payment to the end of the Lease- responding that they are not a Federal Insurance supported Bank- Now they want o Modify my 4 % loan with a ton of paper work that they can not find on a timely manner including misplacing documents= My Question for CFBE is to see where the funds for the modification process would be coming from in the event, I get to participate with the Modification Process= The only way I know for Banks to get reduced interest rates are to turn to the Federal Markets to accomplish that = What I need is at least three months with a full forbearance of the Mortgage Payments, allowing them to be added to end of my Mortgage Term= as most bank in the USA are now doing- Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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: Old information reappears or never goes away

Complaint:
Hard inquiry dates XX/XX/2020 still appears on credit report more than 2 years after the inquiry.

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 2019-02-14
Company: Experian Information Solutions Inc.
State: GA
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 set up an account with XXXX XXXX XXXX and there are some address on there that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX XXXX XXXX GA XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May concern, I was approved by the Illinois Hardest Hit Program back on XX/XX/XXXX! I fell gravely ill in XXXX, and have since been permentaltly XXXX and on SSA. The great people that work with The Hardest Hit program, here in Illinois, put a fast track on my application, because when I applied in XXXX, I was already many months in arrears, and the process normally takes 90 days, or more. So, they fast tracked it and got me approved for {$35000.00}, of which included 4 months of future payments. I was, at the time, behind {$27000.00}. The documents were sent over to Mr. Copper, for approval, so that they could send the check. I verified on the XXXX of XXXX with Mr. Copper, that they received all the documents, and that it would  take a few days to process, possibly by the end of the month. 

I called at the end of the month and nothing had been done as of yet. This went on for months. I called every week for months stressing the urgency, since the amount approved was going to pass it's approved amount. I even sent corporates headquarters in Texas, via certified mail, a package of all documents and email corresponds with Mr. Cooper ( i never got a response. I was consistently told not to worry, that Mr. Copper deals with Hardest Hit Programs all the time, and that everything will be fine, every time I spoke to their customer service reps. many of my urgent calls and complaints, were sent to the Escalation Dept. Again, I never received a call, email or letter. 

Long story short, they, Mr. Copper, sat on it and responded on XX/XX/XXXX, with the total owed {$36000.00}. 

Mr. Copper is now flat out lying and stating they received the documents from The Illinois Hardest Hit Program on XX/XX/XXXX ( a complete lie!!! ), and received the denial from The Illinois Hardest Hit Program on XXXX XXXX, which is factual. But i was denied due to their negligence. 

I have been greatly, negatively impacted by the negligence and falsehoods by MR. Copper. The impact it has had on my health has also greatly affected my life, due to the XXXX. 

I then called again, after the 2nd denial for options. they offered me a loan modification. i never heard back from them after a week or so. i then received an email after complaining, that i was denied due to my income and foreclosure proceedings were going to proceed. I never once was contacted by Mr. Cooper for information on my finances. Such as change in income, bank statements, and such. Just a flat denial. Today ( XX/XX/XXXX ) I emailed via an appeal of there decision with all relevant documents that show i can indeed afford the modification and make my monthly payments. I have attached the email as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: JPMORGAN CHASE & CO.
State: TX
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:
Over six months ago, I received a request for detailed financial information from Chase Bank, where I have 3 credit card accounts - XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cards. As one option was to take the information directly to a branch, I did so. I was concerned about someone requesting this detailed personal financial information fraudulently. The bank associate told me he was unfamiliar with this request, and that I should ignore it, as it did not look like a valid request. I did so, and continued to use my credit cards and pay the entire balance off on time as I have done each month for years. Today, XXXX XXXX, XXXX, while attempting an online purchase, I discovered that the bank had closed all three of my accounts without notice because I did not provide this information. My discussion with the bank was useless. I want the fees that I paid to have these credit cards refunded to me, as they have closed my accounts without notice and without valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I had a lot of transactions that I never authorized and Bank of America refuses to refund my money back to my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is unfair. I have sent multiple letters to all 3 credit bureaus but never did I receive any correspondence. I have been asking for proof that these negative accounts in my credit report is reported truthfully yet nothing has come to light and not provided me with copies of any documentation associated with these accounts bearing my signature, authorizing an hard inquiry. These unverified accounts affects my scores badly.

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 2019-02-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Tuesday, XX/XX/XXXX the CHASE mobile app reflected an available balance of {$110.00} reflecting three small transaction that were subtracted from my available balance. 

Obviously the funds were there to pay for these three transactions. 

The very next day, XX/XX/XXXX, my account reflected that a larger item had also been presented to the account and the bank took it upon themselves to re-arrange the order of the transactions resulting in overdraft charges of {$130.00} rather than the {$34.00} overdraft fee that should have been charged for the ONE item that was presented when the account balance was too low to cover it. 

I was charged {$34.00} for a {$14.00} transaction I was charged {$34.00} for a {$20.00} transaction I was charged {$34.00} for a {$110.00} transaction All three of these transaction were covered by my available balance the day they were presented to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-10
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Speedy Cash has tried to debit my checking account for XXXX and due to COVID 19 I  am not receiving any income or paycheck at this time. They have also reported me to the credit bureaus and has made my credit score drop. I don't have any income right now and can't pay them back currently.

Company response to consumer: Closed with explanation