BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is in response to my initial complaint XXXX regarding mortgage discrimination by Chase. Despite writing to the executive board, nothing was done other than get some random person to call me and say they received my complaint. Nothing was done and they still refused my loan. No review of their practices of discrimination, no accountability, not even the bare minimum of refunding the charge they made for conducting an appraisal. 
The bank lied to the CFPB when they said they were looking into the matter. Loan manager XXXX called me two weeks ago and said they could not honor the loan terms they provided me in writing. They are still demanding 18 months of reserves despite other big banks and credit unions confirming that 6 months was the industry norm for someone with my credit score and financial situation. 
I have a document from them with loan disclosures they have agreed to but now refuse to provide. Nothing has changed in my financial situation. Why do banks get to behave like XXXX with no accountability?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
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:
MUltipule times card was denied, also charged fees
 Finally went to bank elsewhere

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 2022-07-15
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX XXXX XXXX Account number XXXX, Account number XXXX, XXXX has 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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:
My name is XXXX and I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

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 2021-02-10
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My old landlord fraudulently charged me fees when I moved out. He sent the claim to Caine and Weiner collections. I informed Caine and Weiner that the charges were not valid and that I was taking the landlord to court on XX/XX/XXXX. The court case was originally scheduled for XX/XX/2021, but due to COVID 19 the small claims court has pushed the court case to XX/XX/2021. In my original collections letter Caine and Weiner claimed that this would negatively impact my credit unless I payed. I requested that all interest and action on the account cease until the legal process played out. They did not comply with my request and they have continued to accrue interest on the account while they have known for three months that legal action is pending. Caine and Weiner is located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. There phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-07-06
Company: FORD MOTOR CREDIT CO.
State: NY
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:
Fraudulent account. Opened without my knowledge, consent or authority. Company agreed to delete it from my report due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CURO Intermediate Holdings
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: DISCOVER BANK
State: NY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-14
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a request from Quicken Loan to do a " steam line '' refinance of my existing VA loan. I applied. Quicken Loan immediately put {$500.00} on my credit card. I was told it would be applied to the cost of the loan or refunded. Quicken denied the loan and now refuses to refund my {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We had gone 8 months with zero late mortgage payments and then Covid hit and our income took a serious hit. We did what we were supposed to do and applied for forbearance in XXXX. It took 3 months to get that approved and in the meantime they counted our XXXX and XXXX payments as late and reported them to the credit bureaus. They then sold our mortgage to another lender who approved our forbearance and we were able to get our account current with them.

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 2020-09-08
Company: MIDFIRST BANK
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, I have a Mortgage payment processing issue I'm currently on a Covid 19 forbearance which started XX/XX/XXXX and ends XX/XX/XXXX. 

I made ( 3 ) Payments and ( 1 ) escrow shortage payment as directed by CSR at the Mortgage Company. 

I know I'm not required to may any payment but I didn't want to get to FAR behind once the forbearance periods ends in XX/XX/XXXX. 

I purchased ( 4 ) United States Postal Service money orders and wrote a " descriptive letter and notated my Mortgage information in detail on each ( 3 ) {$600.00} and the ( 1 ) {$42.00} escrow shortage. Sent them overnight on XX/XX/XXXX via USPS priority mail. 

They were signed, delivered at XXXX on XX/XX/XXXX at the Front desk, mailroom. 
I started calling on XX/XX/XXXX once the " collections calls started coming from the Mortgage Company. TO this day no one can find the " package '' even with the USPS Tracking # which I have the " full history and provided Mortgage Company. 

My call history started on XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX and today and no one has any idea where they are and still no " payment credit to my Mortgage still shows due for XXXX XXXX. 
Today I have spoken to 3 different Departments to no avail. 

I called the FHA HUD FHA Resource Center RE : XXXX. 
I left a message for the XXXX XXXX XXXX and now I'm submitting a complaint. 

Any assistance to the matter or guidance will be greatly appreciated. 

Best Regards,

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 2020-07-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
COVID Complaint As I stated in a previous complaint against BBVA, I  am a XXXX XXXX and XXXX XXXX XXXX by profession. I help XXXX  find XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX. I personally have bank accounts and credit cards with several different institutions and BBVA continues to be sub-par. 

I have experienced financial hardship due to Covid. I reached out to BBVA 2 times in writing through their message center. When told to call, I could not get through. I pleaded for deferment in each of my emails to no avail while my other creditors quickly and easily and graciously granted me 30-90 Day deferments with no risk to my credit. BBVA was unable to do this despite my written request submitted online. I then submitted an application online, followed up in the appropriate number of business days in writing on XX/XX/2020. It is now XX/XX/2020 and still have not received a response. See attached screenshots of online correspondence. I continued to make this payment despite not having the funds in my emergency budget which made my financial situation even more difficult. I continued to make them because I did not want to risk a negative impact on my credit. I understand delays with Covid, but the hardship deferment was granted to me with 5 other financial institutions in a professional and timely manner. 

I sent Covid requests XX/XX/2020 XX/XX/2020 XX/XX/2020 If a XXXX XXXX by trade cant successfully receive COVID relief through multiple avenues with BBVA, please tell me how a a low-income or technically challenged or XXXX or elderly person might complete the task. My guess is, most clients would throw their hands up and give up! I will never XXXX  any of my XXXX, XXXX  or XXXX XXXX   to do business with BBVA. BBVA does them a great disservice and is simply is NOT accessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I believe BANK OF AMERCIA violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case BANK OF AMERCIA revoked my credit. Shown in exhibits.

I believe BANK OF AMERCIA is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, BANK OF AMERCIA did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, BANK OF AMERCIA violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe BANK OF AMERCIA is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

2ND AFFIDAVIT AND I REFUSED TO WAIT 60 DAYS AGAIN ABOUT THIS MATTER. THANK 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 2021-07-06
Company: Experian Information Solutions Inc.
State: CO
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:
We applied for forbearance XXXX of XXXX and it was approved for the dates of XX/XX/XXXX through XX/XX/XXXX. We sold our home on XX/XX/XXXX and received a paid in full letter from XXXX XX/XX/XXXX. When we had our credit report run on XX/XX/XXXX to purchase a new home, XXXX was reporting our mortgage as being in forbearance but current with no late payments. When a new credit report was pulled on XX/XX/XXXX, XXXX was still reporting our mortgage in forbearance BUT also as 60 days late as of XX/XX/XXXX AFTER we had already sold our home and it was paid in full. By reporting our mortgage as 60 days late it hurt our credit. We were also led to believe that if we were current on our loan going into forbearance we would be current coming out of it. We just sold our home before it was over which they said would not be a problem as long as the loan was paid in full which it was. We have contacted XXXX to find a solution and were asked to file a dispute, which we have done. But as our closing date draws near and we are trying to get an update when they are unable or unwilling to help and can only enter new notes to our file.

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 2020-07-07
Company: CARD Corporation
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
on XX/XX/XXXX, I received a card from card.com that was opened in my name but I did not request it and realized it was opened fraudulently because someone had tried to get unemployment in my name. I sent 2 emails to try and find out how to contact them because I couldn't get through by phone and finally talked to someone on XX/XX/XXXX. On XX/XX/XXXX the person I spoke to said the account would be closed and I should get something in the mail stating it was closed. on XX/XX/XXXX sent another email saying I wanted something in writing and on the XXXX they got back to me saying I had to call. On the XXXX I called card.com again and was told the account was closed but they didn't have the capabilities to send a letter about it being closed. I had created an account with identytheft.gov and the plan they suggested was to get a letter saying the account was closed, but the card was never used because it was sent to me. They had my name but not my correct address. They used an address I lived at 18 years ago, but the person that lives there I know so he gave me the mail. 
All I want from them is a letter stating that the account is closed so I can have it for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has sent me to a collections agency named IC System Inc. They are attempting to collect {$210.00} that I do to owe. I have never been with XXXX XXXX XXXX and I have explained this to them numerous times. I am requesting that this be removed from 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 explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... Borrower XXXX XXXX said that after a new servicer, XXXX, took over ... with accusations ranging from bad lending practices to violating state law to ... For the first time ever, the public can see the graduation rates for Pell ... 


ask yourself would you pay for violations done to you NO!!!!!!!!! 

XXXX XXXX XXXX {$2200.00} {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: EQUIFAX, INC.
State: MD
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 have recently obtained a copy of my credit report and discovered inaccurate information that I did not authorize. It has been over 30 days and I have yet to receive a response from the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: SUNCOAST CREDIT UNION
State: FL
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:
I believe SUNCOAST CREDIT UNION violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SUNCOAST CREDIT UNION revoked my credit. Shown in exhibits.

I believe SUNCOAST CREDIT UNION is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SUNCOAST CREDIT UNION violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XXXX. I believe SUNCOAST CREDIT UNION is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

Affidavit is attached in file upload so please respond quickly. Default file was two large to upload but was sent in the mail by usps.

Company response to consumer: Closed with explanation