BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I went through a modification for my mortgage with Chase. I was probably XXXX behind in mortgage payments. They put me on a trial plan and then approved my modification. I was rushed into signing and returning the docs to Chase. We were also fearful of losing our home to foreclosure. I only owed 23 years on my existing mortgage. They raised my payment by $ XXXX monthly and increased the term of my loan to 40 YEARS. I feel that they have defrauded me and I am now running behind again and facing the risk of losing my home to foreclosure. They have just taken advantage of us during a difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was XXXX in XXXX XXXX and my phone was stolen from my hand. The next day i woke up to my email noting that i was subject to fraud. The person who XXXX me somehow reset my XXXX and got into my XXXX XXXX on my phone and liquidated my bank of America account. I have provided policy reports, signed Afadavits and screenshots of my email to Bank of America and they keep denying my claim. They are stealing my money even thought it's clearly fraud and have all the evidence to back it up.

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 monetary relief
Consumer complaint received 2020-06-05
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Monday, XX/XX/2020 Advance America Manager contact me to schedule a payment, stating my account is 30 days late and continue to incur a late fee. 

My monthly payment is {$280.00} and due on the XXXX of the month. On XX/XX/2020, my payment of {$280.00} was returned by the bank. I contact Advance America and made payment arrangements. I made the following payments : XX/XX/2020 {$130.00} cash XX/XX/2020 {$180.00} cash XX/XX/2020 {$250.00} cash, {$47.00} Cash XX/XX/2020 {$280.00} cash - PAYMENT TO MAKE UP FOR XX/XX/2020 PAYMENT XX/XX/2020 {$280.00} auth # XXXX XX/XX/2020 {$280.00} debit TOTAL {$1400.00} In XXXX, I made two payments to bring my account current. On XX/XX/2020, I was informed that my second payment in XXXX to bring my account current was applied to the loan interest and I would need to make an additional payment to bring my account current. 

My understanding is that Advance America is not disputing I made the payments above, the dispute is that they will not apply the second payment to the XXXX payment returned by bank. 

I spoke with the Manager and an employee and both state there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I ordered a radar detector from XXXX on XX/XX/2017, received it XX/XX/XXXX. Used it 2 days decided it was junk. Tried to get a RMA, they said they would. They did n't. They wo n't respond to my calls or e-mails ( I 've left over a dozen ) I believe these guys are scam artist and are hoping I will just give up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE 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: Reporting company used your report improperly

Complaint:
This complaint is for TRANSUNION. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A.

States that I have the right to privacy. 15 U.S.C 1
681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction. 

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.

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 2023-08-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2023, I received a notification of a new Hard Inquiry from the following entities, also occurring on XX/XX/2023 - XXXX XXXX XXXX  XXXX XXXX XXXXe Due to this hard inquiry, my credit score dropped XXXX  points. 

I have not attempted to open a credit card or being any product with these entities. I called both companies and there is no record of my social security number or name associated with their companies.

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 2016-11-03
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY TD BANK NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Someone asked me can they send me money with XXXX so that I can send it on XXXX XXXX and I did it not thinking much of it and then a month later the XXXX funds were taking from my account leaving my account to be - {$980.00}. I was not aware of this XXXX scam and my bank is doing nothing to help me. I have capital one bank. I tried multiple times to request a refund and the person did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been affected by the XXXX XXXX data breach. I have had some identity theft with accounts since XXXX. Then the identity theft expanded dramatically during the pandemic to include apartments and evictions. It has many accounts and collection accounts. the accounts and then the collection accounts for the same debt are both listed on all XXXX credit reports. I have a police report documenting this and an FTC report. I have submitted dispute after dispute but in XXXX hrs the credit reporting agencies come back with creditor states account is valid. The creditors do not provide any evidence of this and it is unlikely anyone even reached out as some of the resolutions to the dispute happen in less than an hour. 
I have attempted to enroll in the credit restoration services that I supposedly could get but those are expired and the code to enroll was actually only good for 2 months and I have now called the enrollment number 3 times and they just transfer me to a number that is no longer in service. The ID restoration service is completely fake. The phone number you are ultimately sent to is no longer in service. 
All XXXX bureaus are refusing to actually investigate and remove items.

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 2023-08-10
Company: EQUIFAX, INC.
State: NV
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
Aidvantage keeps resending my payment. {$170.00} on XX/XX/XXXX and then {$340.00} on XX/XX/XXXX. And then they added a {$19.00} fee for late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been trying to renew my income based payment plan and switch to the SAVE plan on the aidvantage.com site since XXXX. I have spoken to their customer service and my application is still in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-12
Company: PHH Mortgage Services Corporation
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Back in 2009 when all the housings went underwater my mortgage went upside down and is still hunting me now I did not walk away like most people did I stuck it out until now I asked for a principal reduction not a modification I don't qualify for refinancing through them or anyone else want touch it because of the upside down mortgage owing {$82000.00} and a home is only worth {$17000.00} due to the 2009 illegal appraising of homes and other illegal measures I asked him could they at least bring it down to XXXX XXXX or a number that makes better sense they said the only thing I can do is modified alone I have been told to let the home go into foreclosure and buy it back I don't want to do that it mess my credit up I am up to date on my payments had to do a bankruptcy chapter 7 in between this the loan is not reaffirmed they would rather lose {$82000.00} then lower the principal so I can stay in there this is unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: LA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Credit Corp Solutions Inc.
State: NJ
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 received this letter on XX/XX/23 stated credit reporting notice in the amount of XXXX the original creditor is XXXX XXXX  and I didnt take out a loan for that amount with that bank. I called the toll free number that was provided and they told me I am a co borrower I asked for the documents and they refused. This is not my debt and I need help with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
First investors recently took over loans for XXXX XXXX XXXX. I received a letter about the merger but no instructions on future payment. I made my payment on the due date to XXXX. First investors started to call me frequently as a debt collector. When I spoke to XXXX XXXX I advised him of my payment and emailed him my bank statement showing every previous payment including the one they where turning to collect as paid. This was XX/XX/XXXX. My XXXX was supposed to process the payment and call me back as soon as he was done. I continued to get collection calls so I called Mr XXXX Back on XX/XX/XXXX to which he seemed caught off gaurd and claimed to have not gotten my statements. At that point I emailed them to him again and he said he had them in hand as was going to escalate it to the proper department. I asked them to stop calling my previous employer trying to collect a debt I did not owe. I called first investors back again on XX/XX/XXXX after paying my XXXX payment to make sure it was credit correctly. At that time my account still shows delinquent. I was advised a email would be sent to the manager in the payment processed department by the name of XXXX XXXX who would be in the next day at XXXX and have all of my information. I checked my loan information today and saw the payments have not reflected on the principal in some months now and that the principal and the interest flipped backward instead of the interest going down. I called them again today XX/XX/XXXX to be told the XXXX XXXX is not in until XXXX XXXX and that the person I spoke to XXXX XXXX would email her again to let her know to contact me. I was told my XXXX payment was due even though I had already paid it and have a receipt and that I could try and call back again if I want to talk to her. I tried calling back again for XXXX XXXX only to leave a voicemail again. I have no idea what is going on with my money I am sending into them or the terms of my loan changing

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 2021-07-02
Company: U.S. BANCORP
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
U.S. Bank charged off my account after failing to alert me that my account was overdrawn in XXXX of 2019. I checked my US Bank app to verify I had no pending transactions and saw there were none.Because I was paid in cash and had no need to use a debit card and left the account inactive for two months. After the period of inactivity, I attempted to deposit money onto my account when I learned that my account had been charged off because of a roughly {$20.00} overdraft. Because U.S. Bank had incorrectly recorded my address into the account with an invalid address, I never received a letter of demand. Before U.S. I had even made a cash deposit in person before my account was charged off, but the U.S. Bank teller neglected to notify me that my account was overdrawn. Due to an error with the U.S. Bank app and their failure to record my address correctly, my personal finances and credit report have been negatively affected. 

It is reasonable for a customer to trust a financial institution to record the personal information a customer provides accurately. It is also reasonable for a customer to trust a financial institution to alert the customer if the customer makes a transaction in person of problems with their account. I trusted U.S. Bank to alert me by mail, phone, and interactions with bank tellers of account problems. Because U.S. Bank failed to maintain an accurate address that I provided them and to inform me when I was speaking with a bank teller, my personal finances and credit have been severely hurt. 

I only learned that this prevents me from taking loans after I graduated college and applied debt consolidation loans. I have attempted to dispute the claim but U.S. Bank refuses to correct its mistakes. 

I have attached portions of U.S. Bank statements that show the invalid address and the date I made a cash deposit. A brief internet search will show that the address U.S. Bank recorded and disseminated to consumer reporting agencies is invalid. There is a house number, the word " XXXX '' but no street name, and a zip code that corresponds to a city in a different state. It is the responsibility of the customer to provide the correct address 's, but it is also the responsibility of the financial institution to enter the correct address they receive from the customer. I use the address that U.S. Bank claims they sent demand letters to for other legal documents but this is the only time that an invalid address has appeared on any of my legal documents. 

I have attempted to dispute the issue with U.S. Bank but U.S. Bank refuses to correct their mistakes. Because of U.S. Bank 's mistakes, I am suffering.

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 2015-08-20
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation