BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been dealing with 2 loan officers and expressed to them my frustration and desire to get my loan appication completed. Also, have called the bank loan manager and have not yet been able to reach her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A scammer admitted himself to be a landlord of a house to rent and has scammed me in 2 transactions, each totaling {$500.00}. He then blocked me on XXXX ( where we had the conversation initially ) and ran away. Unfortunately, he never showed up and took the money away from me. With an existing contract, email, and XXXX information, XXXX ( the method I used to transfer the money ) should be able to make a cancellation/refund. At the very least, the receiving bank of the funds should be able to investigate the scam and refund the money to my bank account with Bank of America.

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 2018-04-14
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX closed my ac after being paid off and full, then sent me a small remainder XXXX to collections, which I paid and told them it was paid. They said they would investigate, never heard back and then they closed my acc!

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 2022-07-19
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The same dispute as before continues unresolved, with new features. 

The bank known as M & T agreed to accept a complementary payment to take the {$510.00}, which they are holding and refusing to return to me, and add it to an amount given to me by XXXX and arranged to be applied. This check was refused and no payment was credited. 
As though it were a new idea, M & T bank sent me a letter saying to pay a DIFFERENT amount and it would be added to the {$510.00} and accepted as full payment. I sent this amount in ( {$140.00} ). They cashed the check and never made the payment. Never acknowledged receiving it and the money has gone into oblivion. Then they started harassing me by phone and applying late charges. 

I want this nonsense and incompetent and illegal banking procedure to stop at once and have all of my money returned to me.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, I am following up on correspondence dated XX/XX/2021, about the bankruptcy that that reporting on my credit report with Transunion stating that it was verified. I've attempted many times to have this account investigate, but somehow Transunion has verified this bankruptcy as being accurate. I don't understand why they can't provide proof, because Im been trying to figure out how in the world did they verify this account? The US Bankruptcy Court informed me that they do not have my full social or any other important information pertaining to this PERSONAL and PRIVATE information. I also did not give them permission for them to share this information. My question to you is if the U S Bankruptcy Court does not have all my certified identity information, a 3rd party must likely does not and is not supposed to have it and is not required to verify the bankruptcy as being accurately reported. I demand that you remove this bankruptcy because it is NOT accurate and even a person with basic knowledge of my Consumer Rights have been violated. An impaired individual could see that the account is not accurate and is violating the accuracy of properly being verified. This is creating a lot of problems for me credit wise and financially. It is not fair to me to suffer and stress because of your inability to do things properly and illegally. All I want is for you to do is your job correctly and to properly investigate this account correctly.

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 2022-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-07-19
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 non-monetary relief
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My name is XXXX XXXX and I am filing a complaint again XXXX  XXXX who holds one of private loans. The loan number is XXXX. This loan was purchased from XXXX XXXX XXXX several years ago, who purchased it from XXXX the original loan holder a couple of years before that. I have been paying on this loan for over 8 years, and been making large payments for the last 5 years since graduating to get it paid off yet. My payments to Navient alone sum up to around 1200 yet, my loan balance to this day is still {$1600.00}. I have requested an audit on this loan now dating back to the original date of disperment. Each time they have provided me with only a payment schedule dating back to XX/XX/XXXX. They have no paperwork to proide for an accounting from XX/XX/XXXX the first scheduled payment that was made to XXXX to XX/XX/XXXX. No matter how many times I have requested the accounting for those dates, they refuse to provide it. I am not making another payment until they can provide me with the account information from those dates who that I can do my own audit on this loan. I am requesting all documents relevant to an audit done on this loan dating back to XX/XX/XXXX. Once they can provide those documents, We can then move forward to settling this account. 

My information is as follows, The loan is under my maiden name XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. My social security number is XXXX, my date of birth is XX/XX/XXXX and my phone number is XXXX. All paperwork can be sent the address listed, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/18, today, I accessed my account via WEB to cancel my XXXX   membership, AKA Experian. I found that if you want to cancel your membership, they ONLY let you cancel via phone. i.e. : " To cancel, please contact Customer Care at XXXX. '' I have been on the phone for over an hour on hold listening to the recording they have and still no one has answered. I found on the internet that many other people are having the same issue as I. After all this is supposed to be a free monitoring service, which is not the case. 
There isn't even chat or email available to cancel. 
Please help ...

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 2023-09-21
Company: EQUIFAX, INC.
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Contacted Equifax Customer Service at XXXX @ XXXX XXXX  on cell # XXXX ( on recorded line ). Inquired to additional service charge monetary fee to landlords to generate " Tenant Screening Report & or Eviction/Criminal History. '' I have Equifax Credit Report account. This is an additional service I would have to request through Equifax Rental Screening Services as is not an included feature/service of my account. However pursuant FCRA regulations I have the right to request & obtain this information from Equifax & any other Credit Bureau/Consumer Repoting Agency etc.. In order to dispute, request correction/modification, notation, submitt related documentation. Also to request dispute information/disposition, submitted documentation/statement etc. be included & forwarded with future requested reports/inquiries by a 3rd party. Customer Service Representative was not knowledgeable, comprehensible etc. regarding information requesting. Right to request & obtain for dispute purposes pursuant FCRA regulations. Request call reviewed for quality & training purposes. Request assistance in obtaining afore requested information so can execute rights pursuant FCRA to dispute, correct, modify etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 reached out to all three credit bureaus multiple times, I have sent in police reports showing that i am a victim of identity theft. I have asked that these fraudulent accounts and inquiries be removed as they were not authorized or opened by me & they have yet to respond or remove the accounts and or inquiries. 


ACCOUNT : XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + INQUIRIES : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX - XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2017-03-20
Company: Thrive National Corporation
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was promised that this account would b eremove from my credit if i pay it. i did and they did not remove it

Company response to consumer: Untimely response
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
On Sunday, XX/XX/XXXX I spent a few hours gathering information on my student loan including : downloading all available statements, noting down 'current balance ', 'paid to date ', 'interest paid ', 'interest rate ', etc. in order to validate the suspicion that Wells Fargo does not apply the .25 % Auto pay discount as advertised. Attached is the all supporting documentation available to me and compiled for you with a detailed breakdown of interest rates from XX/XX/XXXX - XX/XX/XXXX with those impacted interest rates marked as reference with a circle. 

The initial loan taken out and that was disbursed years ago was set up with automatic payments for a number of years. The available statements relating to this loan are dated from XX/XX/XXXX to XX/XX/XXXX - I have submitted and am awaiting paperwork covering the rest of the loan. Please look at those dates indicating that on each statement the .25 % was not applied. On the second consolidated loan, from XX/XX/XXXX to XX/XX/XXXX, during the time which the loan was set up with Auto Pay, the lender again failed to apply the .25 % discount. 

Wells Fargo has thousands of student loans and I am certain this is a common issue among all of their student loan accounts with Auto Pay, and if not all, most certainly a majority. I consider this fraud as upon reviewing what is marketed, and the legal copy, I find no indication that my current loan or the original loan would not have qualified for Auto Pay discount based on the disclosure available. I consider this a very serious issue. Wells Fargo does not apply the Auto Pay discount when the student loan customer ( s ) meets the criteria advertised.

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 2017-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Failure to investigate completely. Accounts being reported in multiple categories, old accounts that are resold and relisted as new. Allowing removed accounts to resubmit.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some late payments posted on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Remove late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  acct # XXXX Remove late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX  acct # XXXX Remove Late Payments from XX/XX/XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ( 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 instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2022-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went in to the branch office in XXXX Tx on the XX/XX/XXXX after finding out that my debit card was suspended and I could not log into my online bank account due to being locked out. The XXXX was about to look up my account and show me that there was multiple unauthorized transactions that were made on XX/XX/XXXX, XXXX, and XXXX. These transactions were made in New York in multiple cities while I was at work. The XXXX reached out the claims and fraud department to notify them about the suspicious activities. They stated that they would credit me the money temporarily until the investigation was done. I called a week later to find out where they were in the investigation because they took back the money out of my account that they had temporarily put in my account. They said they closed my claim case due to no proof that I was not the one who made the transactions. I went in the next day after the phone call and spoke with a representative at the branch office. They got on the phone with claims to see what the problem was. The claims department continued to discuss how there was lack of proof. I came back the next day to the branch office to show them proof that I was at work on XX/XX/XXXX, XXXX, and XXXX so they can fax it to the claims department. After a week of faxing the proof to the claims department they stated that they did not receive anything in the fax. And they are now stating they sent me a XXXX time code to my phone number and since it was sent that I am responsible for the unauthorized transactions. I explained that my phone service was hacked on XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX which XXXX was able to verify that I had no access to my phone number on those days. The bank continues to argue with me and give me the run around. I made a police report on XX/XX/XXXX but due to the activities happening in a different state the assigned detective to my case had to forward my case to the correct jurisdiction and has made it very complicated to get more information on the case. I lost a total of {$15000.00} I only received back {$46.00}. I was noticing that someone was trying to reset my password to my online back account prior to this happening I notified the bank XXXX but they just advised me to change my password

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-14
Company: Riverwalk Financial Corporation
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
A newly opened collections account on my credit report appeared by this company as of last month without my knowledge. I never received anything by mail, telephone or email regarding this. I sent them an email to attempt to get a Validation of Debt Letter sent to me and while searching and investigating the company online, seen they are notorious for not responding to consumer requests on these types of issue 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Portfolio Recovery continue to call my work phone and give details about a collection to whom ever answers the phone. 
I asked them to contact via mail only and the call me supervisor risking me my job

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: NATIONS LENDING CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
in 2020 I applied mortgage with Nation Lending company in XXXX Texas, Agent name : XXXX XXXX. I requested them to disclose my credit report or any other confidential information they obtained through my application. He refused. 
I asked for any type of pre-approval and he said my approvals are offer specific and asked me to have my agent call him. I felt he was not helpful and I was discriminated. Now that I am reading for my XXXX XXXX license I learned that mortgage brokers are responsible to disclose your confidential information to you as well as if they ran my credit. I would like them to provide me this information as soon as possible and I know them liable for this act. Best,

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