BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-13
Company: STERLING JEWELERS, INC.
State: MA
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:
Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : Jared-Galleria of Jewelry XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : XXXX XXXX XXXX XXXX Sterling Jewelers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX  and XXXX  and none of these amounts are familiar to me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: CORELOGIC INC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX DOB XXXX SS # XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. PLEASE REMOVE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT ACCURATE : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX I AM REQUESTING AN INVESTIGATION UNDER XXXX FCRA GUIDELINES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 previously filed a complaint on a related matter. However, this complaint is different. On XXXX XXXX, American Express advised that it had closed my account because I had used XXXX, while linked to American Express, to pay certain related parties. AMEX stated it was a violation of their agreement, although it was not. 

The above is by way of introduction only. Now, I have received a letter from American Express, a copy of which I am enclosing, stating that the reason that they canceled my account because I did not provide financial documentation and/or IRS information as requested. The only problem is that American Express is made no such request. 

I would hope that AMEX is held at least to a standard of behaving in an honest and forthright fashion. At this juncture, I have been provided to inconsistent reasons for the cancellation. In the first case, their document does not prohibit the conduct. In the second case, they canceled me because I did not abide by the request, which request they never made. In both cases, AMEX acted very improperly. 

I asked that American Express not be taken at face value this time around, as it is clearly promulgating inconsistent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Numerous attempts have been made with Freedom Mortgage to remove XXXX. Attached you will find my appraisal report for my home. According to law, XXXX can be requested to be removed in writing. I have made the request several times in writing and over the phone. I followed the below steps with attempting to remove XXXX with them because I have reached the date when the principal balance of my mortgage has fallen to 80 percent of the original value of your home. 

I made the request in writing. 
I have a good payment history and be current on payments. 
There are no junior liens ( such as a second mortgage ) on my home. 
Evidence ( for example, an appraisal ) that the value of my property hasnt declined below the original value of the home. 

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 2020-04-24
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Well I had many problem with this Company starting in XX/XX/2020. The finance company decide to shut down the web-site. We  could not make our payment in time. Our payment is due every month on the XXXX of each month. The web-site was down from the XX/XX/2020 until XX/XX/2020. But we went on vacation from the XX/XX/2020 until XX/XX/2020 so soon we got back i paid my XXXX cents. But the finance company still charge us XXXX dollar late fee. Even there knew that this company did wrong. charge us late fee it was them to decide to shut down the web-service. But anyway in XX/XX/2020 we paid the finance company XXXX and in XXXX we paid XXXX this month we paid only XXXX even our payment is only XXXX a month. Through the corona-virus the situation even got worst. The company offer a 120 days payment delay what would be terrible you still own all the finance charges in my case by 16.78 % I would own XXXX just on finances. It would take me just 4 month to pay for all finance charges. The other is I use 5 different Auto loan software to calculate my loan. Loan amount is XXXX by 16.78 % and 72 payments every loan give me XXXX. How did ally Financial figure XXXX. It is my believe that this amount is incorrect and it should be 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 2018-06-04
Company: Worldwide Processing Group, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I recieved a call from a XXXX XXXX from phone number XXXX claiming my husband owed a debt of {$300.00} to a company called XXXX XXXX XXXX.

I also spoke with her superior named XXXX, who said they are a 3rd party collection agency, named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

The company the claim we owe has no website, every phone number listed is disconnected and online numerous complaints that it is a scam.

I contacted my bank and they confirmed we never recieved funds from them and searched multiple months. XXXX was claiming perhaps this was the only acct. they tried to receive payment from. They had the last 4 of my husband 's ssn, our checking acct number and my email address.

They claimed we owed {$480.00} and they got very defensive which was quite odd when I simply asked for the contact information for the company.

Supposedly they say they marked my file as disputed and that XXXX XXXX XXXX. will figure out how to contact us from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
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: Was not notified of investigation status or results

Complaint:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

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 2017-07-12
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Total Current Balance : {$64000.00} Loan Due Date Amount Status Auto Pa y 1-01 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-02 Direct Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due 1-03 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-04 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-05 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-06 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-07 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-08 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-09 Direct Loan - Subsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-10 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-11 Direct Loan - Subsidized  XX/XX/XXXX 2017 {$0.00} No Payment Due 1-12 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-13 Direct Loan - Unsubsidized  XX/XX/XXXX /2017 {$0.00} No Payment Due 1-14 Dir ect Loan - Unsubsidized XX/XX/XXXX /2017 {$0.00} No Payment Due Total Current Balance : {$64000.00}  XXXX  College started at :  XXXX , they add a additional  XXXX  prior to starting payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
On XX/XX/2022 I spoke with an agent where I my credit was verified and my loan application was approved. During the conversation I asked the lady who I was speaking with if I needed to leave my credit unlocked for anything else during this process. Her response was No. 
So once the conversation was completed I locked my credit again to protect myself from any type of fraud. 

A few days later I received the invitation as promised from the phone conversation on the XXXX, when I went to complete the transaction it was denied because of my credit being locked ( after I verbally confirmed if it was necessary for it to be unlocked ). 

On XXXX the XXXX I called in to speak with someone about what had transpired and encountered XXXX. From this day until XXXX XXXX she had me continue to apply over and over while leaving my credit unlocked be now the letters that I am receiving are saying that I am ineligible due to missing or unavailable information. 

I asked her how could this be due to the fact that I am a Capital One Card holder and have Capital One banking which also comes with XXXX XXXX. That has access to my credit information. She had no answer for that only to continue to reapply until I was approved because they could not reopen the application that was approved. 

My issue with this situation is how is it that I was approved once but subsequently not approved XXXX times afterwards and no one can do anything? I am beginning to feel as if there is something wrong with this entire situation, there is a reference number attached to my original approval, several agents within this company were able to see it but they all tell me that there is nothing that they can do to help me. 

The last letter the I received from this entire ordeal stated that I have too many attempts and they can not approve me. Now I was doing what I was told based on the advice of an agent, shouldnt she ( XXXX ) have know that this was the incorrect process in order to obtain an approval?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
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: Information belongs to someone else

Complaint:
i recently found 6 fraud accounts has been listed to my credit reports to ( EXPERAIN, XXXX XXXX XXXX ) and also found address has been listed that 's i never lived there also wrong names has been listed too, i filed FTC report # XXXX and also i reported to local Authorities to XXXX # XXXX, the accounts listed below as : ( ( 1- ) ) -Account Name : XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 2- ) ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 3 ) ) - Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 4 ) ) - Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX/XXXX/XXXX ( ( 5 ) ) - Account Name : XXXX Account Number XXXX XXXX Date Opened : XXXX/XXXX/XXXX ( ( 6 ) ) - Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date 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 2018-06-04
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Client Services INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX. Has been sending me a Collection notice with balance {$2600.00} The credit has been reported as a pass due balance. I dont know this company. I never had done any business with this company.This company doesnt have a contract or signature of mines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I've tried to submit an applied for the Chase Sapphire XXXX Credit Card. My application was denied even though my score across at least XXXX credit agencies is Excellent and above XXXX and for the other XXXX agency my score is Excellent and above XXXX. I've been also a client of Chase credit cards for several years and I carried multiple cards with them in the past. Currently I have XXXX active credit cards with them. It's very frustrating what's going on. My XXXX XXXX received a hard inquiry from the process of applying to this Chase Sapphire Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: IL
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:
The list of accounts Below has violated my federal protected consumer rights to privacy and confidentiality pursuant to the FCRA codified at 15 U.S.C 1681 b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) Account 's are : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX I am willing to settle for {$1000.00} in civil liability damages I have suffered as a result of your violation persuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S C. 1681n ] , or Deletion. 
Should you refuse to settle or Delete within ten ( 10 ) calender days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Chase XXXX XXXX on XXXX XXXX, XXXX with an offer for a HARP refinancing with no closing costs, no appraisal, easy process. I met all the criteria listed in their email. I was told that I had a superb credit rating. As the process went forward I was assured by the Chase representatives that my refinancing loan was approved, and we were just looking for a date I could sign the papers. Everything was in place. Then I kept being asked for more information, and more information. I was told my loan was not being approved because I have a residence in XXXX. They had always known this information and knew it at the time I was told the loan was approved. I told them that I pay state taxes in Colorado, have an address there, and vote in Colorado. Yet, six weeks later, I was still told that a senior underwriter was turning down the loan.I have included the original email. I met and continue to meet all the criteria listed in that email. It looks like they created a way to turn down the loan that was outside their stated criteria. 

I had exactly the same experience with Chase in XXXX. At that time Chase again told me that my loan was fully approved, and did n't require any documentation. The Chase mortgage representative kept being puzzled when I was asked for more information, then more information, then more information. He said that nowhere in this loan was I supposed to even be asked for that additional information. Again, the loan was turned down. 

At the very least, Chase XXXX XXXX can not be trusted to follow through on their commitments. I wasted a great deal of time and effort providing all that I was asked to provide, signing all of the forms, etc. I was told the loan was fully approved, but Chase did not honor that commitment. 

There is an additional piece of information that I would prefer NOT be included on consumerfinance.gov. Several years ago I surfaced unethical behavior on the part of a senior Chase loan officer. It 's reasonable to wonder if being asked for additional information, and finally having two loans turned down after I was assured and promised that they were approved, may be in some way be payback.

Company response to consumer: Closed with explanation