BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is the second time in 3 months going through this with XXXX XXXX.They need to be fined or something needs to be done.I have a 7 year fraud alert on all my credit accounts to try and protect myself however they are not running it through the credit but someone has all my information and i did everything possible to try and avoid this from happening again.This is my 5th case of identity theft.Thank you.XXXX 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 2020-07-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2020 I submitted an online loan application to refinance my home with Chase Bank. That same day I was contacted by XXXX XXXX and I provided the documentation needed. On XX/XX/2020 XXXX provided me with a loan estimate and required additional documents from me which I submitted through the online portal. Towards the end of XXXX I began working with XXXX XXXX due to the lack of communication from XXXX. XXXX then assisted me in completing all my tasks and I submitted additional documents she requested. On XX/XX/XXXX I received an email from XXXX notifying me that my loan is ready to be sent to the Underwriting department. 

On XX/XX/XXXX XXXX emailed notifying me that she's performing a final review before sending to underwriting. In her review she states that she can't find a Chase deposit relationship and that it's a requirement for a cash out refinance. She apologized for not realizing this earlier and notifies me that I am not meeting the requirements and can no longer help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: JPMORGAN CHASE & CO.
State: IA
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:
This is a new complaint relating to previous complaint # XXXX. I spoke with a CFPB representative and they advised me to mention that this is not a duplicate complaint and pertains to a new request on my part.The company claims the following : " When you initiated your dispute online on XX/XX/2020, we placed temporary credits for the charges on your account. We then mailed you the enclosed letter dated XX/XX/2020, explaining the next steps while we researched your dispute. 
We received a response from the merchant that included a signed invoice and that services were provided. We mailed this information to you in the enclosed letter dated XX/XX/2020, which explained to continue your dispute we needed additional information by XX/XX/2020. We did not receive a response to our letter. As a result, we considered the charges valid and the disputed amounts would be included on your next statement. We mailed this information to you in the enclosed letter dated XX/XX/2020. You provided additional documentation which explained you received partial services. For this reason, we can not continue your dispute with the merchant. We mailed you the enclosed letters dated XX/XX/2020, and XX/XX/2020, explaining the charges would remain valid. We can not reopen the dispute because too much time has passed. Please work with the merchant directly or seek other options outside the disputes process. '' I only received the letters on XX/XX/XXXX and XX/XX/XXXX. I have requested from Chase that they provide me tracking numbers and copies of the letters sent as I did not receive any of these letters. I only became aware that the merchant had rebilled the dispute on XX/XX/XXXX and due to shortstaffing on the weekends was unable to contact Chase directly about this issue until XX/XX/XXXX. If I had received these letters I would have acted on it immediately as I did when I became aware on the XXXX when using the Chase Visa website and looking at my account. The fact that so much time elapsed with the merchant 's rebilling and my being unaware of it is due to incompetence on the part of Chase and not inactivity on my part. I believe that due to this Chase 's justification that they can not reopen the dispute due to too much time passing is invalid and that the case should be re investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: EQUIFAX, INC.
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:
It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXccount number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-08-23
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I received a letter in the mail from Comenity Bank regarding my XXXX XXXX account. The letter stated that as of XX/XX/XXXX my account was closed due to inactivity and information in your credit report. I dispute this action because I have made several purchases on my account, the most recent being XX/XX/XXXX. The letter goes on to list the following reasons for closing the account : bankruptcy status on credit report ( bankruptcy was filed and discharged 4 years ago ), delinquent past or present credit obligations with others, and unable to verify credit history. I called and spoke with a representative at XXXX XXXX who was unable to explain exactly the reason why my account was closed so I asked to file a formal complaint and was transferred to a supervisor who took a formal complaint. He did not seem too sure as to why the account was closed as he did not even have a copy of the letter himself. My account was opened in XXXX or XXXX and since then my account has ALWAYS remained in good standing. I have NOT ONCE gone over my limit and I have NOT ONCE been late making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX, I paid off my entire balance with XXXX XXXX. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with Equifax and uploaded bank statements showing the account was paid, XXXX XXXX statements showing a XXXX   balance and a letter from XXXX XXXX stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating XXXX XXXX is confirming the balance of XXXX as valid and past due. I have spoken with XXXX XXXX every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to Equifax 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. Equifax has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.

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 2019-05-28
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, I contacted Audi Financial Services to cancel the Gap insurance on my recently purchased XXXX XXXX. I was advised by a salesman at Audi that I should not have been forced into paying for that especially since the warranty was soon to expire and that I can call Audi to have it cancelled. I called and spoke with a customer service representative who advised me that the Gap insurance must be cancelled at the dealership from which I purchased the car. So I called XXXX Audi of XXXX XXXX, CA located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX phone number, XXXX. When I called, I was advised that I had to make the request in writing to the Finance Manager, XXXX XXXX. I had no problem doing this since he has helped me both times when I leased and purchased my vehicle from this location. On XX/XX/XXXX, I sent the following email : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Cancellation of Gap Insurance Request VIN # XXXX Good morning, I am writing as a formal request to cancel the Gap Insurance on my XXXX XXXX XXXX, VIN # XXXX. I have spoken to Audi Financial Services and they informed me that I have to make my request through the dealership where I originally purchased the vehicle. Please let me know when my request has been fulfilled. 

Kind Regards, XXXX XXXX, XXXX XXXX I did not get a phone call nor a reply. On XX/XX/XXXX, I sent the following email with High Importance : XXXX XXXX Tue XX/XX/XXXX XXXX XXXX XXXX Good morning, This is my second request to cancel my gap insurance on the vehicle listed below. I expect that this request will be completed by COB today. Thank you. 


Still, no response. Today is XX/XX/XXXX and I have yet to receive a phone call or email regarding my request yet I know that the request was delivered because I have read receipts. This is unprofessional and very unlike the company Audi that I have trusted for several years, establishing a good relationship and superior payment history. I would like my Gap insurance to be CANCELED, effective XX/XX/XXXX and the check to be mailed to my address which they already have on file. I expect this to be done within the normal 15-30 business days. If not, my next step is to file suit, which is not a route either parties would like to take. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-21
Company: TekCollect Inc.
State: IL
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:
I contacted XXXX XXXX on XX/XX/XXXX regarding a debt they are reporting as owed for XXXX  XXXX College ( XXXX ). I informed them that the debt was too old to still be reporting on my credit report. Representative XXXX XXXX advised me that they were considering the date of last activity to be in XX/XX/XXXX as I filed a bankruptcy which was later dismissed. I informed him that his understanding of the requirements for the date of last activity were mistaken, and that a bankruptcy filing that was later dismissed in no way extends the reporting time. He claimed that although the date they had listed for the debt was XX/XX/XXXX, they would continue to use my XX/XX/XXXX bankruptcy filing as the date of last activity for reporting purposes. 


Account History : I originally registered for classes with XXXX on XX/XX/XXXX. I then entered into a payment plan on XX/XX/XXXX and made a {$93.00} payment that same day. According to XXXX 's records, it appears that I modified the payment plan on XX/XX/XXXX. There is no indication of any charges/payment arrangements on XX/XX/XXXX as XXXX XXXX alleges. Either way, it has now been greater than seven ( 7 ) years since the date of last activity, which should rightfully be XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Navient Solutions, LLC.
State: TN
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:
I was told there is a Navient Student Loan Forgiveness program. In common basic terms, they are being sneaky and manipulative. In specific terms they are misallocation of payments, providing unclear info about re-enrollment to their income driven repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I received a phone call yesterday XX/XX/18 from XXXX. I do not answer calls from XXXX numbers so I sent the call to voicemail. After reviewing the message it was from XXXX XXXX XXXX telling me they are attempting to collect a debt. XXXX XXXX was calling and left a reference number of XXXX. I immediately returned the call to find out what this was in reference to. I was told they were collecting a debt from the IRS, I told them I did not have any reason for debt collector I signed a agreement with the IRS for payments to be withdrawn from my account monthly. After this I was told the debt was not mine and they were looking for XXXX XXXX. She is my daughter who is XXXX years old. I do not get involved with my children 's matters. I do not give out there information ect ... After this disturbing call from this collection agency I went to the IRS website and learned that there are many factors in this collection agency collecting debt for the IRS and they violated all of them. I have printed out these rules which one was they can not divulge information of a debt owed by another person to me. Which they did. These companies need to follow the law when collecting debt and seem to have zero respect for the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this due to non-compliance with Equifax, XXXX and XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime closed my account without warning and took the money that was in my account. I had {$800.00} in savings when they closed my account. It has been a month and still no more eye has been sent back to me. I never received a reason or a letter from chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a Call from a company identifying themselves as Portfolio Recovery Associates looking for ex- wife on a mobile phone that is owned by ( husband 's ) employer. Agent for Portfolio asked if we resided at an address where wife grew up. She has not been a resident at the said address for 18 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: AR
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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage with FIRSTBANK PUERTO RICO and they require an escrow account and pay my hazard insurance and property tax from that account. In XXXX and again this year, there has been difficulties with the check reaching my insurance company. Last year, my hazard insurance policy almost lapsed due to a late payment. Again, this year the check never reached my insurance company. Of course they have the correct address for XXXX XXXX. Management at FIRSTBANK PUERTO RICO blames USPS which is unacceptable. They are responsible for timely payment. 

I suggested they used XXXX or USPS overnight with tracking as we are very late and this time the insurance will lapse and management at the bank was bold enough to suggest that I should pay for the extra shipping charges. I refused. 

I have attached email correspondence which shows this occurred last year in XXXX and again in occurring now in XXXX. This is a serious situation as my insurance will lapse. I don't have the funds to pay myself. 

Also in summary, you may see other complains from me regarding FIRSTBANK PUERTO RICO. They are incompetent and in my opinion, should seriously be investigated.

Company response to consumer: Closed with explanation