BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: BANCO POPULAR DE PUERTO RICO
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have tried twice to open a Checking account in the state of XXXX  ( XX/XX/XXXX & XX/XX/XXXX ), Both times i have been declined in doing so. I have contacted XXXX XXXX and i was provided with the details that are on my file. My current bank ( since XXXX ) Banco Popular de Puerto Rico has put something on my file which says the following : Unpaid : {$0.00} Contribution Reason : " Transacting with an account in an unauthorized or prohibited manner ''. That makes absolutely no sense. 
I called my bank and told them the feedback i received and their answer was " there should be no reason why you should not be able to open an account ''. So i do not understand what my next move should be. 
I have never ever in my 32 years had a negative experience with any bank. Never had i once had a negative withdraw or very low balance in my account. I have had my Savings account with Banco Popular since XXXX. I use that account for everything and would like to open a checking account in XXXX because i am not living in XXXX XXXX at the moment. I could open a checking with Popular but i do not reside there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AL
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:
These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX   '', " Carfinance Capital L '', and " 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 explanation
Consumer complaint received 2020-06-25
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collector called ERC has claimed that I owe a debt of {$68.00} from XXXX XXXX XXXX XXXX. This account was closed and the amount was charged off. I have asked for documentation to be provided from the original creditor about why I still owe this debt and none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance {$0.00}

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 2021-04-01
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
The company involved is Binance.US, XXXX XXXX XXXX  Due to their automated system, they disabled my ability to trade and withdraw due to a chargeback. This seemed fair to me. However, even after the chargeback was " processed '', they state this on my account history, my trading is still disabled after over three weeks. Their customer support only responds to my email inquires with messages such as " sorry for the delay, we are experiencing many tickets ''. Further, they have no customer support phone number. They are literally holding a large portion of my net worth hostage due to their lack of customer support. It is ridiculous and frustrating. I believe the company should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Complaint towards : Chase XX/XX/2022 : My wife and I went to our local Chase branch and opened new joint accounts ( one checking and one saving ). 

XX/XX/2022 : I initialized a XXXX money transfer from my existing XXXX checking account to the new Chase saving account. The transfer was initialized on the Chase website. I added my XXXX checking account as an external account, and then initialized the transfer from Chase. 
( I have been using this XXXX checking account to pay my Chase credit card for years. When I was trying to add it as an external account, it was automatically detected and added on the Chase user portal ) Also, I updated my employer 's payroll system to use the new Chase checking account as the direct deposit account. 

XX/XX/2022 : I can not log into the Chase website or the mobile app. It says that suspicious activities are detected in my account and asked me to give a call. I gave a call to Chase and was told by phone that my accounts are subject to closure. No reasons are given over the phone. 

XX/XX/2022 : We went to the same local Chase branch and asked the banker for help. The banker helped us to call Chase again. However, still, no reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: AL
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 XXXX Account XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions. 




In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

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 2019-03-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I was at work on XX/XX/XXXX can prove that and i received alerts stating someine was withdrawimg funds out my account without my permission i dont know who the person is or how they got my information but they took a total of XXXX and my bamk is trying to say it was me whem i told them it was not me i want to prosecute whoever it is or they find out it is well they said they found no error and i am just out of XXXX and there nothing that can be done the company is netspend prepaid card

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 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Complaint against Bank of American for identity theft, mail fraud, wire fraud and other crimes. 

On XX/XX/2019 BOA AGAIN pocketed my mortgage payment via company called " XXXX XXXX XXXX '' which is also known as XXXX. 

I demand explanations why my mortgage payments which suppose to benefit XXXX XXXX investors end in BOA deep pockets and create them handsome income. 

My payments to XXXX were pocketed by BOA in the same deceptive manner.

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 2020-01-29
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Called Mr. Cooper spoke with XXXX in Loss Mitigation she was very rude and short during the conversation I explained I received 2 different payments statements for a payment. I contacted them today checking status of the mortgage assistance application that I submitted. I have resubmitted my request for mortgage assistance because I have not received a mortgage modification based on my income. 
I recently filed bankruptcy and I'm wanting to get my mortgage payments back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: CORELOGIC INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have mailed a letter certified and not received anything back letting me know that they had in fact permission to run my report I had I dont need that and I believe this is part of it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I do not understand how this bankruptcy is listed on my credit file. How was this validated? I have disputed this several times and no outcome. I want this removed it is outdated and non verifiable Bankruptcy # 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 2019-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of fraud someone used my credit card fraudently in the amount of around XXXX dollars in XXXX of XXXX. I disputed this amount to the issuer with a police report to the issuer to no avail. The account issue is XXXX XXXX XXXX I then disputed it with all 3 credit bureaus to include transunion. I sent certified letter on XX/XX/XXXX to which i explicitly used my rights under the fair credit and reporting act. A copy of police report as well as copies of documents verifying my identity. Tranunion removed the credit account entirely in XXXX of XXXX. On XX/XX/XXXX tranunion readded it back to my credit report. I called Transunion at that time and spoke to the dispute center. The account added back was reporting a {$0.00} balance. As of XX/XX/XXXX transunion has now reported late payments and missed payment as well as an incorrect amount on my credit report. The fair credit reporting act states that condumer reporting companies will block fraudulent information from appearing on my credit report. I sent a copy of a theft report as well as letter telling tranunion what information was fraudulent. You accepted my report and removed all information regarding the issuer from my credit report. The information I sent stating that the charges were not authorized and did not pertain to any transaction I made was true and correct. I am asking transunion to remove the inaccurate information off of my credit report as it violates the The Fair Credit Reporting Act

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 2020-06-24
Company: Experian Information Solutions Inc.
State: NC
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:
This is a fraudulently reporting account. This XXXX XXXX account is closed, has a XXXX balance, and has been been paid by a debt collector XX/XX/2015 supposedly. I have 15 months of Experian credit reports showing this account closed with a XXXX balance. However, I have never received a verification of debt from XXXX  or XXXX XXXX, XXXX has never reported on my credit as owing them a debt to them so I do not know who they are or if they even exist, and both XXXX XXXX and XXXX  are past the time-barred statute of limitations to sue for collections of this debt which is 3 years in NC and SC. This account continuing to report without legal right is damaging my credit and is an attempt at consumer fraud through extortion via fraudulent reporting. Delete this from my credit report based on these extenuating reasons of lack of evidence of a debt owed by me to either of these creditors.

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 2019-08-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan Servicing appears to be RED LINING for the XXXX XXXX, Florida and XXXX area. We believe that the servicer has a high very percentage denying loan modifications for the XXXX part of XXXX Florida and should be investigated by the Florida Financial Regulator as well as other agencies. The company ( Rushmore ) will always find an excuse to deny ANY LOAN MODIFICATION for the XXXX part of XXXX, Florida. We have come across other homeowners in the same situation where Rushmore have denied the loan modification. 

In this particular case Rushmore have denied the loan modification request claiming that a complete loan modification package was not received within the Florida guidelines, which is 7 days prior to the schedule sale date. The company have denied the request in bad faith. The denial letter is dated XX/XX/2019, we spoke to a Rushmore representative on the same day and he stated that we had until Saturday to submit the rest of the additional documents needed. The initial application was submitted on XX/XX/2019, and the servicer called very next day to request additional document which were furnished on XX/XX/2019. See attached herein. Per Treasury guidelines a servicer must provide a letter to the homeowner requesting additional document and allowing 30 days for the homeowner to comply. This is not what transpired, instead a representative called the next day after receiving our request and giving just three days to comply on which we did and it was denied anyways. Servicer could not be more hypocritical for lack of better words. This company has engaged in Floridas deceptive business practices and should be investigated by the Florida Attorney General. 

The Consumer Financial Protection Bureau should notice that on the same day the letter is dated, the servicer spoke to us and requested additional documents giving until Saturday to provide on which we did. See attached proof herein. The servicer is acting bad faith. 

All loss mitigation process or protocol are subject to the Treasury guidelines. The Servicer is correct in that a loss mitigation package must be sent within the seven day before a  schedule sale date, see MHA Handbook 3.3. However, our property has a sale date of XX/XX/2019, and if you can count days we are beyond the seven day mark therefore within the guidelines to be considered for a loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: MS
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 for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: STERLING JEWELERS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX card services bought my XXXX XXXX   account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX   and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress. 

XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
10 months ago I was unable to make my regular monthly payments due to a job loss and was instructed that If I made minimum payments until the balance was below my credit limit the card would be unrestricted and I would be able to once again use the card as before. After making 8 monthly payments on time and in the amount required I finally was below the credit limit of the card. I was still unable to use the card as before and when contacting the credit card company was now told the credit card would be permanently restricted from use without an explanation as to why? Given that I complied with all their requests in good faith making monthly payments on time, I also paid the annual membership fee on time and complied with all their requirements, it seems that the credit card unfairly deceived me into believing that my credit would be restored when in fact that was never going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Experian Information Solutions Inc.
State: ID
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:
Experian and XXXX are reporting incorrectly collections on the following : XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$4900.00} XXXX XXXX XXXX Account number XXXX, Amount Due : {$1100.00} XXXX XXXX XXXX/XXXX XXXX XXXX, Account number XXXX, Amount Due : {$720.00} XXXX XXXX XXXX, Account number XXXX, Amount Due : {$330.00} ( Please see pages 3, 4, and 5 of the attached credit report. ) I have also attached a copy of the NOTICE OF DEBT from XXXX XXXX dated XX/XX/2019. This bill is not only incorrect, it was sent to a family Members address, but has my name listed. This is a complete violation of HIPPA. In addition, this attempt to collect these debts are completely bogus. I have now, and have had in the past, medical insurance coverage. There was never a gap in my insurance. This is clearly a billing issue and is not my fault that the medical facilities never billed correctly. I did not incur these outstanding balances, nor do I owe these outstanding balances. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2017-12-08
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every hour on the hour, they dont leave messages so I dont know who they are calling for. While Im aware of my debt, I wont answer a call unless I know who they are and who they work for. Ive called the companies multiple times about my debt and was told they cant work with me. Yet I received text messages constantly saying they are willing to work with me. XXXX XXXX is where most of my debt lies, Im aware of the issue, but calling constantly and not giving me information about who they are is a problem. When they leave a message its vague and say this is going to directly impact my life. Now they constantly call on unknown numbers that I can not trace to verify authenticity.

Company response to consumer: Closed with non-monetary relief