BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Payday loan to get me through a rough spot. The loan was initially for {$300.00} ( I believe ) and I did ask for an additional {$160.00} ( I believe ) when I called they were very vague as to the details. To date I have paid them {$1100.00} and my balance is now {$480.00}. None of the payments have gone to the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Chase Bank has reluctantly kept an identity theft account with outstanding balance still in my name from 2013. Despite working with their fraud department a year ago and providing the police reports to several departments that requested it. They failed to honor the police report and letter affidavit disputing the alleged debt as fraud and identity theft sent to them a year ago obviously Chase is still reporting the alleged debt as outstanding owed as I tried to open a bank account with one of their promotions yesterday. It popped up this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.

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 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2018-08-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Last year I applied and obtained a secured MasterCard from Citibank - Acct # XXXX XXXX XXXX XXXX for which I made a security deposit of {$1000.00}. I was dissatisfied with the card from the very beginning and had unbelievable problems even with opening the account ( Citibank swiped an EXTRA {$1000.00} from my bank account and it took over 2 months to get it back, including filing a complaint with the CFTC ). 

About a month and a half ago I closed the account and yet, to date Citibank has not sent me back my {$1000.00} security deposit! They are not paying me interest, nor are they providing any service. My account balance at the time of closing the account was {$0.00} ( XXXX ). 

There is absolutely no justification for Citibank to hold my security deposit and yet, in the multiple phonecalls that I made to the company, I was told that it would take a minimum of 2 months to get my deposit back and some representatives told me that it would not be until next year! This is outrageous and I request CFTC to intervene. Citibank needs to be fined/penalized for these fraudulent practices!

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 2018-08-16
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am currently unemployed and I was in contact with my state, IL, unemployment for over 10 months because, as it happen to thousands of people that lost their job because of Covid-19, my name and information was used to claim unemployment. As mentioned, this was an issue with the state 's system being compromised. 
After about 10 months of providing proof to my state agency, I was awarded back pay for 6 months. This was sent to my banking institution as direct deposit on XX/XX/2021. 
After an email sent by my states unemployment office to me stating that my bank, Chase Bank, refused the direct deposit, I got in contact with the bank. 
To my surprise and long discussion with a representative on Chase, they told me that my account, XXXX checking and XXXX savings, were restricted and they did not want anymore business with me. I was very upset as I've been a customer of Chase for over 20 years. 
The representative told me to go to a branch office and I would get my funds. 
I went to the branch office and after an hour of waiting they told me that the funds will be mailed to me on a check and that it would take 10 days. 
After that time expired and on XX/XX/XXXX, I got my statements where it indicated my balances but no funds were sent to me. It was well past over the 10 days they mentioned but they first mentioned to go withdraw my funds but the bank refused to give me my funds and stated that they were going to be mailed. 
Well to this date, my funds have not been mailed to me, XX/XX/2021. I have talked to the branch manager, the customer service, and they finally gave me a case number but but it has been almost a month and they keep telling me the same thing. It is still on the fraud department and they have not given us an answer. This is what the representative tells me every time. They have bounced me between representatives and this is really affecting my life as I dont have an income because I am unemployed for a year now. 
I can assure you that this is a huge mistake as I am an honest person and the funds on those accounts are part of the hard I worked for 30 years before being laid-off. 
I need help to get this resolved as they have not listen to me, they are not helping me and they really dont care about my current situation. 
I need my funds returned to me now. It has been a long time and I have no income and my bills are not getting pay. 
Please provide any help for me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit 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 2018-08-16
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I sent an investigation request to XXXX, Experians, and XXXX XXXX. XXXX responded with my results in a timely manner, but Experians and XXXX XXXX has not. THey are supposed to respond inside of 30 days, but Experians and XXXX XXXX has not met this requirement.

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 2020-07-01
Company: Fairway Independent Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were given a mortgage assistance grant to pay for one month of our mortgage. The company issuing the grant made the check directly to the mortgage company and gave us a copy for our records. The mortgage company contacted us a few weeks later to say they needed payment and had no record of a check. We contacted the grant people and they issued another check, this time by return receipt mail. They called us to say someone signed for the check so the mortgage company had received it. We made a payment for XXXX to keep from getting behind and the grant would just go to XXXX. Mortgage company called us again saying they needed payment. We talked to a manager who located the check and said we were ok. Now weeks later they are asking us for payment again saying they dont have the check. I'm afraid the company issuing the grant isnt going to want to write a 3rd check and the mortgage company is just going to lose it again. Our mortgage transferred to another company and that company says we are caught up. We are just dealing with the original company saying we owe them money and we dont. We tried to contact them again and no one has gotten back to us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME THE ( XXXX XXXX ) LISTED WAS OPEN FRAUDULENTLY SOMEONE USE MY NAME SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IIN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Navient Solutions, LLC.
State: IL
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 took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Avid Acceptance, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has reported inaccurately across the three bureaus as a student loan, an account that was under a bankruptcy and the amounts have been changed several times all inaccurate and falsely being reported ( which is illegal )

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 2018-02-25
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX calls from an " Unknown '' number. Have answered multiple times and they are calling from XXXX XXXX on behalf of XXXX XXXX XXXX. I have asked them to send me an invoice regarding my past due account because I didn't feel comfortable giving them my banking account information over the phone, and told them to stop calling me because I promise I will pay, even if it is later and I continue to get charged late fees. They still repeatedly call, twice a day or more, everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted Healthcare Receivables on XX/XX/2021 by certified mail requesting validation of collection acct. ( NO RESPONSE ) On XX/XX/2021 I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another certified letter I sent a follow up request validation ( NO RESPONSE ) On XX/XX/2021 another follow up letter was sent requesting validation ( NO RESPONSE ) Its been 73 business days since I sent my original request for validation to the collection agency Healthcare Receivables and I have yet to receive a response to validate this collection account and authority to report harsh information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: MI
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 checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX I C XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 checked my report thru the monitoring service and see several items like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I am not familiar with and from reading more here on the Consumer Financial Protection Bureau then please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.

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 2018-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase is providing conflicting information when attempting to address delinquent mortgage loan, which appears to be violation of California 's Homeowner Bill of Rights, the Dodd-Frank Wall Street Reform and the Consumer Protection Act XX/XX/XXXX -Chase re-scheduled the foreclosure sale to XX/XX/XXXX per XXXX XXXX at XXXX ext. XXXX *same phone number as " XXXX '', note there's an extension this time -but XXXX didn't provide extension. 

XX/XX/XXXX -Chase confirms they received the Request for Mortgage Assistance ( RMA ) application per XXXX XXXX , Relationship Manager ( SPOC ), at XXXX ( no extension ). 

XX/XX/XXXX -Chase states the loan was sold at a foreclosure sale per XXXX XXXX , their Executive Director, at XXXX *same phone number as Customer Support. 

XX/XX/XXXX -Chase " re-scheduled '' foreclosure sale date to XX/XX/XXXX and mentions client is not under any " payment assistance review '' per their Home Lending Executive Office at XXXX *unclear if payment assistance review refers to RMA, at which point the statement is incorrect per XX/XX/XXXX confirmation, or if there's additional programs available, which homeowner has not been advised about. The letter mentioned XXXX, yet it appears they didn't keep each other updated per alarming and concerning updates. 

XX/XX/XXXX -Chase requested evidence of transfer of ownership by XX/XX/XXXX per their Customer Support Team at XXXX *same phone number as Executive Director.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: SYNCHRONY FINANCIAL
State: AL
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:
There are 2 hard inquiries on my XXXX  credit report by a XXXX XXXX and 1 from PayPal Credit. I have no idea of who or what these companies are.

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 2018-07-02
Company: Stearns Ventures, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I tried to submit a one-time payment on the servicer website. there website seems to be having issues for the last two days and the problem still has not been resolved. I called to get this resolved and the customer service rep is not acknowledging that there is an issue. My payment was due on the XX/XX/XXXX even though I tried to submit online payment on XX/XX/XXXX and XX/XX/XXXX before payment due but the website still is not working. The customer service rep said they will submit an inquiry which customer service rep says can take up to 10 business days to be looked into. By this time, my mortgage will be past due and start collecting late fees/penalties and possibly default etc. I am filing a complaint because I do not believe they will resolve this issue in a timely manner and by the time it gets resolved i could be incurring late fees all because of the mortgage loan servicer website is not working properly and I want to have it on the record that I tried to get this resolved with the loan servicer before it came to this.

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 2020-07-01
Company: Experian Information Solutions 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:
XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$270.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I do not now, nor have I in the past, had an account with XXXX XXXX. This account needs to be removed from my credit report. This false reporting of a collection/chargeoff account, that does not belong to me, is seriously harming my credit score. I have contacted the bureaus to remove this 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 non-monetary relief