BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with Chase in XX/XX/XXXX. I have a 25 year relationship with another more personal bank, but they do not offer business services. 

I deposited {$1000.00} cash at opening, followed by more deposits in XXXX, XXXX, and XXXX. In total I may have cleared {$30000.00} I checks received from clients as I am a small business owner. 

In late XX/XX/XXXX, I received a {$10000.00} bank/teller check from a client who does business with XXXX XXXX XXXXXXXX XXXX That check was deposited on or around XX/XX/XXXX. On XX/XX/XXXX, I received a random email from Chase saying that " You can not use your account ( s ), and we will close it soon ''. It referenced a full letter with an explanation for the closure in my online files. After opening the full letter, there was no explanatory information in the letter, only a number to call. 

On XX/XX/XXXX, I called Chase customer service and was immediately routed to the fraud department. I was informed that the letter was sent to get my attention as they wanted to ensure that I called them. The Fraud department indicated that they only wanted to alert me that the check processing times were taking longer than usual for certain banks, and Chase would not be able to release the funds until XX/XX/XXXX. I was informed that this was due to Chase needing to confirm that all the funds were in the account of the Payor, but was reassured that the funds would be there on XX/XX/XXXX. 

On XX/XX/XXXX, I attempted to transfer the funds, but could not. On XX/XX/XXXX, I called Chase and was informed that the funds from the check were cleared but they needed to talk with the Payor over the phone to confirm that he actually wanted me to receive the check. They indicated that his number had to be verified before a call could be made. I provided his number ( which was an international number ) and was told that international numbers could not be verified. I was told that the only way to verify that the funds were intended for me, would be for the two of us to go into the bank together. I was told that because this did not happen within 10 days my account would be closed. 

On XX/XX/XXXX, I opened my online banking. There is no checking account, there is no reference to there having ever been a checking account, and there are none of my checking account documents online. 

The {$10000.00} which was in the account has vanished without so much as a call or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account is up to date and payment missed was due to forgetting to make the payment, on the date of the payment more than enough money was in the bank to make the payment. I have attached a photo showing the account is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2022 I contacted bank of america credit card services to discuss the derragatory reporting on my credit report as well as request the reopening of the account. Bank of america refused to comply.BANK OF AMERICA has closed my credit as a result a result of adverse action. Adverse Action is defined in regulation as a termination of an account or an unfavorable change in the terms of an account that does not effect all creditors. Bank of America is in violation of 15 USC 1681m which states that any action that adverse to the interest of the consumer or their benefit is a violation. Bank of America is also in violation of 12 CFR 1026.11 ( b ) ( 1 ) which states that an account can only be terminated if the credit agreement determines that the open end plan has reached the stated expiration date. This revolving account has no expiration. The account was also not inactive. Bank Of America are also in breach of contract because they have are not performing their fiduciary duty to benefit me the way that I see fit, I have not benefited from a closed account nor have I benefited from negative information being reported to my consumers account. Fiduciary is defined as trustee owing a fiduciary duty with respect to an instruments. I signed an application that stated that I promise to pay a certain sum of money. When I signed the negotiable instrument ( UCC 3-104 ) which was an unconditional promise to pay Also known as the credit instrument and security Bank of America benefited and I did not. Bank Of America Failed to fufill their Fiduciary. Bank of America also reported late payments to Consumer reporting agencies without my consent which is a violation of 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. There is also no section of the Fair Credit Reporting that defines late payments. Bank Of America is also in violation of 15 USC 1666b ( a ) which states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am demanding the removal of the reporting of late payments as well as the reopening of the account. They have also reported this account as closed to the Consumer Reporting Agencies. This account was not closed by me which means that Bank Of america has made inaccurate reports to consumer agencies as well made unauthorized activities on my account. This has had substantial impact on my finances. I have been denied credit countless times because of bank Of Americas unfair and abusive practices which I could not have avoided. Bank Of america is solely responsible for their actions. I have not benefited at all from bank Of americas actions.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NC
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:
Notified by XXXX  XXXX XXXX ( XXXX  ) by email ( customer XXXX  ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at XXXX, so i intially disregarded the email. On XX/XX/XXXX received a text message from XXXX  ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted XXXX  customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the XXXX  fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the Experian report from XXXX dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted XXXX  again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted Experian by telephone the same week requesting the XXXX  hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. Experian requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.

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 2019-08-05
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XXXX I looked into a Home Equity Line of Credit, I spoke with a representative from three different companies, one being my mortgage lender, and all three said my home valued around {$160000.00} from their research, no appraisal conducted, just that I was able to take a HELOC. I ended up going with one that did not own my mortgage loan. 

Now, in XXXX of XXXX I decided to consolidate the mortgage and HELOC, appraisal came in with {$170000.00} value. When I stressed I didn't want to pay mortgage insurance anymore, my XXXX XXXX Loans rep said you shouldn't have been because your house is worth a lot more than your debt. After digging a bit, it seems when I was looking into a HELOC, I should have requested Wells Fargo to drop my mortgage insurance, and from what I saw once it hit the 78 % mark, they should have dropped it but didn't, to make matters worse, after my refinance closed they hit me with two more months of mortgage insurance, so now in my eyes, they hit me with around {$800.00} of mortgage insurance on a home worth XXXX, when only XXXX was on their loan, so I brought it to their attention. 

After a few messages to their secured site, I requested a review and to have them e-mail me, they insisted on calling, refusing to e-mail or even use their secured center which I found shady in and of itself. After having no luck in calling or receiving calls from their executive rep XXXX, I sent another message and got a call from another rep named XXXX, I was able to take this call and explained everything to her. 

She got back to me today with the reasoning of " mortgage insurance runs off the original value, not current '', but online said there was an option of requesting them to relook, and use their appraiser ( at my cost ) to see if they can change it. Beyond that, the double charge after payment was because " those were the 2 remaining months left still owed ''. So, mortgage insurance is supposed to be there so they don't get ripped off, they take sacrifice making the loan, but after dealing with them for a few years, never being late on a payment, they are going to pull this? Charged for mortgage insurance, even after mortgage was closed. 

While I feel I was ripped off of a few hundred dollars, I know I am not going to get back, I want this reported so others can learn from it. Wells Fargo is shady, their policy for mortgage insurance is a scam in my eyes and just a way for them to make extra money off people that can barely afford it.

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 2017-11-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
During my XXXX years, I took out student loans withteh help of XXXX co-signers XXXX XXXX of which is deceased and the other I have not maintained contct with ). I gradauted with my XXXX degree in XXXX and have struggled most times in keeping up with my student loans I have utilized many forbearances/deferrments. I also took advantage of in school deferrrments while getting my masters and my XXXX XXXX which I am still in the midst of ). Several months ago I contacted Navient wanted to work out a manageble plan to make payments on a regular basis. I have been doing so ever since ( please see attached ). I took a year off from my XXXX program and about a month ago, I contacted Navient and let them know that I had returned to my XXXX program and expected to once again be placed on in school deferment. They said they could not do anything on their end had to wait for my name to appear in the Clearinghouse before approving an in school deferrment. As usual they eluded to teh thereat of contacting my co-signer as they always do if I did not continue making payments. In the end I said okay. Though I did call my school in hoped of them contacting Navient on my behalf to expedte the process, but my school stated that they do not do that and I would have to wait for the XXXX House list to be released to navient. I said okay. 

Immediately following that phone call, I began receiving several phone calls a day from Navient 's XXXX system. This has been happening for a week now. I just logged into my Navient online system because I have been bewildered at the harassing phone calls when I have been and am current. I was shocked to see that there was a message on the left stating that I was XXXX payments behind as well as a tacked on non-payment from XXXX XXXX XXXX which is false ( see attached ), although the payment history shows all my payments made from the point I establshed payments with them in XXXX of XXXX XXXX see attachment of payment history ). The payment history also includes late payments fom when I was under in-school deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.

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 2021-06-10
Company: Debt Recovery Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive had issues with this agency since XX/XX/2021 when it was first reported on my credit. Ive filed the dispute twice and they claimed they could verify that is me, which isnt factual. However this has damaged my credit severely and I wanted it gone, so I paid {$800.00} on XX/XX/2021. I was told that it would be deleted in a matter of 2 days once I received the letter stating it has been paid. I contacted the credit bureaus ; XXXX  and XXXX  to delete it and I was told that even with the letter that they would have to wait on the agency to send it. I then contacted the agency and they told me it would take 30 days. I was under the impression that if I paid it would be deleted immediately not 1 month or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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 have tried in many occasions and in different forms to contact the credit bureaus XXXX, Equifax and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank XXXX XXXX Account XXXX Bank XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05
Company: JPMORGAN CHASE & CO.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Its on my credit account is doesn't belong to me report number JPMCB AUTO ACC #  XXXX reporting incorrectly this account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, 2013, our home went into foreclosure while going through the process of loan modification. We were told not to make payments while going through this process because it would delay the process. Each time we would call, they would tell us to send another copy. After numerous paperwork sent and 10 months later, we received a letter from Flagstar 's Attorney stating that our home would be sold on the courthouse steps in XXXX, AR. XXXX. We owed {$200000.00} on our home. They sold our home for {$110000.00} but yet they would not work with us to keep it. Due to Flagstar 's actions, needless to say, our credit report has shown negative and derogatory information for 4 years.

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 2017-11-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I called Navient to set up a reduced payment plan. I agreed to the terms and everything was situated. My debit card was compromised so I notified Navient of the situation. The representative stated that i would need to cancel the previous set up and start up a new one with my new debit card information. Which was what was exactly what was done. I agrees to the new terms and everything. Navient has been automatically taking funds from my checking account since XXXX 2017 for the agreed upon reduced amount. However I received a notice via mail stating that my account was delinquent. I contacted Navient and spoke with a representative that went back into the notes and stated the last representative did not properly enroll me into the program and that she no longer worked for the company. She supposedly quit that day. I ask the representative why should I be responsible or penalised for someone elses mistake, but there was nothing they could do and I would be responsible for the balance. A balance that continuously effecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-10
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We live in an area that was affected by Hurricane XXXX. I called in at the end of XX/XX/XXXX and asked for a loan deferment. I was informed that the deferment was pending approval, and they would notify me when it was approved. I asked to proceed with a deferment, and they enrolled me in a forbearance plan without my consent. I was under the impression my loan was being deferred, in which 3 months of loan payments would be added on the back end. I am now being sent letters discussing foreclosure, if I am unable to pay my mortgage in full for the 90 days. I called in and informed them that they made a mistake, and they blamed me and showed little concern. Their misrepresentation has put my family in a touch situation, where we now have to find a way to come up with nearly {$7000.00} in less than 30 days, in order to avoid foreclosure procedures. Pacific Union needs to be held accountable for this misrepresentation, wrongfully enrolling me in a forbearance plan when I specifically asked for a deferment plan, and their lack of concern or care for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: Guidiville Indian Rancheria
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On Friday, XXXX XXXX,2017, A XXXX XXXX of XXXX XXXX XXXX contacted my employer stating that a payday loan debt, which was paid, I have copies of the contract and the payments made through my credit union to verify payment, was not paid. They also attempted to contact the office manager. There conduct is in violation of several US laws and regulations that provide for the collection of purported debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Police met with VICTIM who advised the details of the incident. VICTIM advised that on XX/XX/21, he was contacted about suspicious lines of credit being opened in his name. VICTIM noted for his credit score to have suffered and began to look for evidence. VICTIM advised that he had two seperate emails in his junk folder about lines of credit opened in his name that he did not authorize. VICTIM advised that he tried to gain more information but was denied until he filed a police report. Police noted for one email to be a from ACIMA credit and to contain a purchase agreement for a rental. Police noted the other email to be from XXXX! about a lease agreement for a purchase at XXXXXXXX XXXX XXXXXXXX XXXX XXXX Police noted the XXXX had a bill for {$2700.00} and the XXXX! to have no amount specified. Police attached a copy of both emails to the report. VICTIM advised he wished to pursue charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: EQUIFAX, INC.
State: WV
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:
XXXX on XX/XX/2019 did a hard inquiry. I did not ask them to do this, it was unauthorized. I looked up XXXX and apparently it's XXXX XXXX XXXX. I researched and have found thousands of complaints of unauthorized hard inquiries. This only shows up on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I was a victim of a online scam. I was in search of a car part and had posted a want to buy. A random guy reached out to me and said to email his buddy that he has the part I need. I did after some communication via email and text I sent him {$500.00} via Zelle XXXX and he disappeared. I immediately filed a fraud claim with XXXX its been over a month and the bank has no updates no provisional credit, nothing. I call once a week and get a run around. Finally called one last time today and they told me that sorry we wont be able to get you your money back because you paid with Zelle.

Company response to consumer: Closed with explanation