BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-05
Company: JPMORGAN CHASE & CO.
State: MI
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:
I filed a complaint about Chase Bank, within an hour of notifying Chase bank I filed the complaint Chase blocked all my other accounts. This is a obvious act of retaliated by locking me out of all accounts and all information concerning the accounts. Chase bank gives the following reason " WE LOCKED THE ACCOUNT TO PROTECT IT FROM SUSPICIOUS ACTIVITY '' IF this is true I must know what the suspicious activity is so that I can protect myself and other accounts. I am demanding Chase bank to forward to me by USPS or email, what is the specific activity that caused them to locked me out from viewing the account information.

1,. I am specifically asking for the dates of the " suspicious '' activity 2. The type of activity 3. The IP address or location of the activity and how that differs from previous activity, If Chase refuses to forward this information then it further confirms Chase is either lying or they really do NOT care about protecting me and others from this suspicious activity, Chase is implying the only way they will discuss anything is if I call them. They do this so Chase will be the only ones controlling the evidence. They will not put anything in writing. Ask yourself this, When another entity or person refuses to put information in writing or to be transparent with information, what does that tell you? 
It is a result of the policies of Chase Bank an others that XXXX XXXX is becoming the leading candidate. People are sick of the lies, the fraud, the all around behavior of Banks like Chase, My lawyer told me to simply allow Chase Bank to continue to dig their grave, sounds lie a plan to me. It is my responsibility to share each act of retaliation or bad behavior with the public and that is what I fully intend to do. 
Thank you Chase for helping build my case, can not wait for the next round of bad behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had bankruptcy. We attempted to reaffirm a XXXX XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which Equifax and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but Equifax dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon recent review of my credit reports, I noticed a collection account outstanding from XXXX XXXX XXXX ( XXXX XXXX XXXX ) for the amount of {$950.00}. I 've since tried to contact the company to resolve the account on 2 separate occasions asking them to provide proper validation to verify the account as being owned by me as outlined by the FCRA. The account remains unresolved. The first goodwill letter was sent and received on XX/XX/XXXX and the second on XX/XX/XXXX. I 've received correspondence from the collection agency with account statements attached as proof of ownership however nothing that bares my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Bread Financial Holdings, Inc.
State: TX
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 HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: CITIBANK, N.A.
State: TX
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 HAVE ROPTED TO FTC, I HAVE WRITTEN XXXX  WHICH MAKES SO MANY MISTAKE TO HURT CONSUMERS, AND WRITTEN CREDITOR ABOUT THE INQUIRY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: CHARLES SCHWAB CORPORATION, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I continue to receive statements by postal mail or other papers by mail but thought from my calling to close my account recently by phone with a representative that they said my account would be closed per my request?!! 

simply put there bank did not fit my financial interests. I decided to bank locally.

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 2017-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am a husband and father going through a very emotional financial hardship. I am also very optimistic of my future as I continue to battle through and run towards opportunities. Due to my current financial strain I am unable to pay for my bills as scheduled and my bank has been covering the insufficient funds. As I do understand and appreciate this policy under reasonable terms, I do believe that I have been taken advantage of. As a result of the banks unreasonable fees I am currently overdrawn $ -XXXX with my account scheduled to close sometime on XX/XX/XXXX if I do not make the account current. I do plan on seeing some money soon but I 'm afraid that this may just cover my negative balance leaving me with no money to pay my bills and many more bank fees. As of today from the beginning of the year ( 2017 ) I have incurred {$2000.00} in bank fees with {$980.00} just being in the last 3 months. This is not a reasonable practice and I must do what I can to try to resolve and also alert other consumers that are going through the same issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02
Company: Sherloq Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have reached out to the company Merchants Association regarding a medical bill that is being reported to my credit report. The company first off started reporting on XXXX/XXXX/XXXX, which at the time they did not have a valid license to collect in the state of Florida. I called the original creditor and they stated account could not be paid with them because they no longer owned the account. I contacted Merchants and explained the situation of the bill they are reporting that I have yet to receive anything and they are reporting without a valid licenses which expired XXXX/XXXX/XXXX. I requested to have the information deleted and removed with any negative comments on my credit report. I was told that I will receive a return call in three business days. It 's now being two weeks with no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: SUNTRUST BANKS, INC.
State: MD
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 SunTrust on XX/XX/2019. I made an opening deposit of {$50.00} shortly after opening the account. I deposit my employer paycheck of {$1100.00} on XX/XX/XXXX. 

The next day ( XX/XX/XXXX ), I was notified that a hold was placed on the paycheck for 10 days, and funds would be available on XX/XX/2019 by XXXX ET. The reason for the hold was " confidential information that the check may not be paid. '' The next week, I received my debit card and new account information by mail. 

When XX/XX/XXXX came, I called SunTrust Customer Service, and a CSR told me that my account was under review and couldn't give me further information over the phone. I went to the XXXX XXXX, MD branch and spoke with a banker the same day. She informed me that my account was actually going to be closed, " per the rules and regulations. '' When I said that I did not receive any notification of this, she said " well, we don't have to notify you. '' I took my complaints to social media, and a representative from SunTrust Bank 's social media team contacted me. He said that my account was " under review and will be closed ''. He also said that closure " takes 5-7 business days with no activity, then another 5-7 business days for the account to be closed, then another 7-10 business days for the funds to be returned to you via US Mail. '' It may be until XXXX before I get my money back, nearly {$1200.00} that I deposited in good faith.

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 2017-07-13
Company: EQUIFAX, INC.
State: TX
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 have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, Equifax and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. Equifax inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
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:
How is this charged off when there is no late remarks on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX, XXXX as the trustee for Option One Mortgage Loan Trust XXXX claims to be holder of the note and claims to have a valid transfer of assignment. We did a title search on X/X/2011 and Option One Mortgage Corporation, a California Corporation was the holder of the note, but a transfer of assignment was filed in XXXX County Land Records office on XX/XX/XXXX, after our mortgage was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: U.S. BANCORP
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reviewed my XXXX credit report and I totally shocked that XXXX   reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. XXXX XXXX XXXX | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. US BANK | XXXXXXXX Balance : {$1600.00} 4. US BANK | XXXXXXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX  has violated my rights and I will be consulting with a consumer attorney sue XXXX  for its negligence.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 talked to transunion reps about inquiries on my credit report as I did n't ask for my credit to be ran. I am trying to tell them I did n't authorize these but they are failing to delete 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 2017-07-13
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My home phone number has fielded repeated calls from a debt collector at  XXXX  since  XX/XX/XXXX  . At  XXXX  on  XX/XX/XXXX  , the caller left an automated voicemail for a "  XXXX   XXXX   ,   XXXX  '' but nobody by that name has ever lived at my house. Ever since then, the caller has either left voicemails without stating a name or no voicemail at all. For most of this year  (   XXXX  ) they have called on Saturday mornings, usually before  XXXX  and often up to  18 t imes within a minute or two. I 've tried blocking their number, but their harassing usage of robo-dialers sometimes gets past my provider 's call-blocking system. Their most recent vxmail ( Sat XX/XX/XXXX  at  XXXX  ) again says that they 're a debt collection company but does not mention the name of the person from whom they 're trying to collect a debt. In any case, nobody at my house has any outstanding debts to be collected. I 'm not sure whether they 've been trying to reach "  XXXX   XXXX ,  XXXX  '' for 2+ years, but whoever they 're trying to reach THEY HAVE THE WRONG NUMBER and need to stop calling me.

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 2019-10-16
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my contract was sold to Shellpoint Mortgage. My contract specifically states that I am to pay my own homeowners insurance. Shellpoint/NewRez took it upon themselves to pay the insurance in XX/XX/XXXX for {$560.00} after I had made my payment to XXXX XXXX for {$120.00}. XXXX returned my payment to me. I contacted them to find out to my surprise that Shellpoint/NewRez had already payed them.I informed them that Shellpoint/NewRez was not suppose to do that because my contract states I pay my own premiums. For 8 months my mortgage amount did not change so in XX/XX/XXXX I re-embursed Shellpoint/NewRez the {$560.00} thinking that this would correct the problem. It didn, t. It made it worse. In XXXX of XXXX Shellpoint/NewRez raised my payments to {$800.00} a month from {$670.00}. I contacted them and asked why they did not credit my account with the {$560.00} payment I made back in XX/XX/XXXX. I was told they didn, t know. I then asked them why they paid my insurance they told me that they can.The rep told me that she was looking at a document that said that my insurance was in escrow.So I asked her to send me a copy of it and she then told me that I couldn, t request a copy and then hung up. I was not given credit for the {$560.00} that I sent them untill XX/XX/XXXX. It took them two and a half months to finally credit the payment. In XXXX of XXXX I received notice from XXXX XXXX that my premiums were due. I paid them on XX/XX/XXXX in full {$580.00}. To my surprise on XX/XX/XXXX Shellpoint/NewRez paid the premiums again. They then started to come after me for it and took my mortgage payments and applied them toward the insurance premiums putting me in default. I contacted them by phone and by mail to get this corrected and they put me in pre-forclosure. They now say that I am a month behind on my payments. They also raised my payments to {$970.00} a month now. They hit me with late fees that I should not be hit with because this was clearly their mistake. When a company purchases your contract aren, t they suppose to abide by the terms and conditions of the contract? They say they don, t have to because the Deed of trust says that they can do this. So then why do we even sign contracts anyway if they don, t abide by it. This is a problem that they refuse to correct.My payment should only be according to my contract {$670.00}. They now say that my payments are suppose to be {$720.00}. I don, t know if you can do anything about this I would really appreciate it. Thank You!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: KS
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:
Over the last couple of years I have applied for credit cards at some company type cards backed by JP Morgan / Chase. I have other credit cards and a score of over XXXX according to XXXX. 

I have not been late on a payment for about 10 years. 

Chase denies me they say do to a bankruptcy in XXXX. 

Here is the rub. I had to take a bankruptcy due to Chase. They had a credit line to a company I worked for in the XXXX recession and they withdrew it and force the company to sell - I lost my job. Did not work for 2 years. 

Chase also did the bait and switch on a loan modification and turned it into a foreclosure in XXXX. I fought it for 5 years and won. Got forgiveness on a 2nd loan due to their malfeasance and got the first mortgage modified with the help of an attorney. 

I think Chase black balled me for beating them and XXXX XXXX  and keeping my house. Makes no sense today why they would deny me - unless they deny ALL OTHER people that had to take a bankruptcy due to the last recessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
my lawyer has been disputing a false inquiry which reported on all three credit reporting agencies all but TransUnion has removed this error.

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 2018-01-02
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having a major problem with Navient. I have been faithfully paying and paying extra on my student loans, yet the balance is not going down as it should. Navient keeps mis-applying my payments and making interest-only payments on some of my loans. I have contacted Navient a number of times and have asked for managers/escalation, but they always tell me there is nothing they can do about past allocations, that they can fix it for the future, and we go over how to allocate my payment, then they do it wrong again. 

In XX/XX/XXXX I paid {$16000.00} on my loans. When the year began I had $ XXXX in debt and now my balance is still {$30000.00}. I have paid extra and watched the balance creep down to below $ XXXX and then, even though I am still over-paying - creep back up to above it. There is no one at Navient who can explain this to me! 

On XX/XX/XXXX the balance on one of my four loans was {$14000.00} and XX/XX/XXXX it 's {$14000.00}. I paid {$2800.00} in interest and {$340.00} principal this year. That makes NO sense whatsoever. The interest rate on this loan is 4.625 %. No one at Navient can explain this or help me with this.

Company response to consumer: Closed with explanation