BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Jpmorgan Chase transferred my mortgage to another servicing company. 

1. I did not receive any notification the loan was being transferred. 
2. Chase told me via telephone, XX/XX/XXXX they emailed me and sent a letter on XX/XX/XXXX. I never received said letter or email. 
3. The new Mortgage service provider Told me via telephone they sent a letter On XX/XX/XXXX notifying me of the change. I never received said letter. 
4. The first time I was aware of the change is a letter came from the new mortgage servicing company on XX/XX/XXXX. So, I have to ask, If I received this letter, why did I NOT receive any previous letters. They had an incomplete address on the letter. This could be why I did not receive any previous letters. 
5. Chase reports my mortgage account as closed to the credit buraeu. My credit score goes down by 20 points. Negatively affecting my ability to refinance, new car loan, basically get any kind of new credit. 
6. Chase explains to me this is the way they report it and there's nothing they can do about it. Comes from a guy named XXXX ... he has no last name. 
7. Chase does not report the loan as Opened but transferred. they just report it closed. 
8. The new service provider, XXXX XXXX XXXX also tells me they have the right to suppress the payments for 60 days according to RESPA. I have done limited research on RESPA and can not find where it states that a consumers credit can be damaged by either a mortgage lender or a mortgage service provider. What I did find, was that they have the obligation to Protect the consumer during transfers. 
9. Also on XX/XX/XXXX XXXX XXXX XXXX has informed me that " I '' have to dispute this with the credit agencies. 
This is going to take hours of my time. I now have to correct something that I had no control over. 
Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
ADDRESS INFORMATION INCORRECT My current address is XXXX XXXX XXXX XXXX . XXXX, XXXX, OH XXXX THE FOLLOWING ADDRESSES ARE NOT ACCURATE. I HAVE NO CONNECTION TO ANY OF THESE ADDRESSES. PLEASE REMOVE THEM XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. 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 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
PLEASE SEE ATTACHED DOCUMENT FOR DETAIL INITIALLY SENT VIA CERTIFIED MAIL ON XX/XX/XXXX, NO RESPONSE RECEIVED, AS OF TODAY XX/XX/2021 @ XXXX XX/XX/XXXX, SENDING THE COMPLAINT VIA CONSUMER FINANCILA PROTECTION BUREAU THESE ITEMS MUST BE IMMIDIATELY ACTIONED AND REMOVED FORM MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have a current capital one card which I use monthly, through that card they offered me another card. I applied for the card, was approved and sent the card. When I got the card it had a restriction. When I called they told me that to life the restriction they needed a hard copy of my drivers license, my social security card, and proof of residency which I could either email, fax, or USPS mail. This is unacceptable, and I will NOT provide that information to anyone and I have never had to provide that before. 
The contact information for XXXX XXXX goes to their call center in what I assume to be off shore, I was transferred a few times but no one took my complaint. 

If I were to provide that it opens me to more risk. In addition why would they not ask for that information up front. I have never had to provide this information in paper form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, 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 information incorrect

Complaint:
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXX and should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found 2 late payments on the dates below : 30 days late as of XX/XX/2020 and 30 days late as of XX/XX/2020, I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. I thought my payments were on autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is an account on my credit report that is aged past 7 years and is still reporting. After 7 years any collections and chargeoffs are supposed to be removed from this report. I have sent nunerous disputes requesting the validation of this account and it says the last time it has been reviewed was in 2018, the credut bureaus lied about their investigation. I want this account removed from XXXX, Experian and XXXX it is aged past 7 years and past 6 years for the statute of debt in the state of Tennessee. It is not supposed to be reporting.

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 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have a capital one credit card and also a XXXX credit account and have faced some hardships recently and could not afford to pay the minimum required payment which took my account for 100 % on time payment to 95 % I want to get my payment back up as I am able to afford it dispite the hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was having my check automatically deposited into my account at BBVA Compass in XXXX, Alabama. My account became overdrawn due to attempted in-house transfers to my savings account and was charged off. When my paycheck went in XX/XX/XXXX, I was told it went to a " collection account '' and that it would be held until the next week and processed after the funds I owe were collected and deposited to my savings account. It is now XX/XX/XXXX, and I still do not have access to my funds. I spoke to the branch manager,  who told me there was nothing she could do that I would just have to wait.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up a payment on my XXXX  account in the amount {$84.00} shown on my paper statement through my bank billpayer to be processed onXX/XX/XXXX. On XX/XX/XXXX another debit was processed on my bank account in the amount of {$54.00}, I had not made this payment.

Through calls to my bank and XXXX I discovered that XXXX made the second draw on my bank account " because you didn't owe that much '' said the XXXX  CSR. She said I would get a letter informing me that they had done this.

I made many calls and wrote letters to XXXX and XXXX protesting this mishandling/abuse of my bank account. I did finally get a letter from XXXX datedXX/XX/XXXXassuring me that " ONLY THE NEW ADJUSTED PAYMENT AMOUNT WAS DEDUCTED FROM YOUR BANK ACCOUNT ''. But this is not true as they had processed two debits to my bank account. This is gross mishandling and abuse of my bank information. I feel that I should be reimbursed the {$84.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: MS
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 have disputed MULTIPLE accounts with this company and they have continued to send me letters back saying my information is " accurate ''. This is untrue because i have compared all of my credit reports and the inforamtion is simply misleading ALL accross the board. Can you help me? Below are the accounts in error : XXXX XXXX : they are reporting an incorrect/misleading high credit amount of {$16000.00} & {$11000.00}. The date of last activity is misleading as well. 

XXXX  : was placed on my credit report without any knowledge. From my understanding i am supposed to be informed or notified when something is Inserted or Reinserted on my credit report. Neither action was taken on this company 's behalf. 

Please help me fix this. these accounts are reporting in error and causing me a great deal of pain. Its keeping me from homeownership. thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am submitting as an attachment a full chronological summary of my dispute of charges by XXXX, a XXXX travel agency and consolidator and Visa, CapitalOne my credit card company ( banking/financial institution )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

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 2018-05-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018, I contacted Experian to inquire why my XXXX XXXX XXXX Mortgage account was not showing on in my credit file. I was told by two different Experian customer service representatives that XXXX XXXX didn't report to them. I contacted XXXX XXXX and was told that they do report to Experian and that it must be something going on with their system. I called back and told Experian this on XX/XX/2018 and they didn't investigate just told me again it was because XXXX XXXX didn't report my mortgage account to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
There have been 4 charges for {$99.00} from a company XXXX  on my account that I have disputed and sent verification to my card company that these charges were unauthorized and they have yet to finalize and remove charges permanently off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Please help me with figuring out how to get back on track with my monthly payments. I have been speaking with XXXX XXXX since XXXX of XXXX for help. I was ill and not working for most of XXXX and could not keep up with the payments due to having high risk XXXX. I was told by XXXX XXXX there was nothing they could do on my first attempt to contact them in XX/XX/XXXX, In XX/XX/XXXX I was advised to apply for lowering pays but the rep never sent the application. XX/XX/XXXX I was advised I wouldn't qualify via online tools and rep. XX/XX/XXXX I applied for temp XXXX and I was denied based on my loan type. Now I am thousands behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions 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:
The following account was fraudulently opened in my name. I am a victim of identity theft and did not make the charges. CFPB, I am requesting that the item be blocked to correct my credit report 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 2020-02-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian has mailing address that are not mine credit opened up in XXXX XXXX not mine

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 2020-08-29
Company: ID Analytics, 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: Public record information inaccurate

Complaint:
I applied for a credit card on XX/XX/2020 - I have great credit in the 800 's - XXXX XXXX used : SAGESTREAM , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX They reposted me as deceased and my credit score dropped 10 points because of it. 
I am very much alive and very concerned and quite annoyed. 

I've tried contacting the company, but there is literally no avenue to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a complaint regarding Capital One Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ). I went on Friday, XX/XX/2020 at XXXX to deposit cash to my checking account. The bank was crowded and did not want to wait on-line since I'm going through treatment, I saw the ATM machine ( XXXX ) inside the bank. I inserted my bank card enter my pin and selected deposit cash, the draw at the bottom opened. I deposit XXXX ( XXXX Bills ) and 1 ( XXXX bills ) the machine took my money with no issue, then I hear the noise I called one of the teller and told him that the machine is making a noise. Then all of the sudden a notice on the screen stating that the machine is not taking any deposits or withdrawls. Then the machine gave me back my bank card but no receipt. The teller told me to come with him and he'll check my account. The total deposit wasXXXX, he said is not showing on my account. I was already very updet and told him that I needed back my money. He said I would have to call Capital One at ( XXXX ) XXXX, which I did while I was at the bank. I spoke to the manager on the phone and she said that it take 7-10 days. I understand that it was the hoilday on Monday. It is now 5 days. I called yesterday again and they stated that I have to wait until Friday because they have to investigate. I told them I can not wait because my bills already set-up to come out of my checking account. All my bills are going to bounce. I undertand they have to open the machine but they can see that I deposit XXXX. I have NEVER had any issues before. I work for the XXXX  for 25 years, including XXXX at the Federal Reserve Board. This is not fair not to give me back my money, that I have to wait. The Capital One Bank can see that I have always deposit cash every two weeks. Please let me know what can be done so I can get back my {$1700.00} back to my checking account. I need to pay my bills and my husband is XXXX which he needs his medications.

Company response to consumer: Closed with explanation