BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX TO : XXXX XXXX, Co-President and Chief Operating XXXX for JPMorgan Chase RE : You Violated the United States Code Law ( TILA 15 U.S. Code Ch 41 Consumer Credit Protection ) Open End Credit Plan and Open End Consumer Credit Plan ( j ) terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open-end consumer credit plan which is an open-end credit plan or open-end consumer credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time. 

Let me break these laws down On XX/XX/XXXX you closed my account without my approval. 
I was never late and always paid on time. I gave you a security instrument which was my signature. What law says that you can close an open-end credit plan without my approval? A closed account is never closed. Once something is open it's always open, Im just not getting any benefits from it. Under 15 U.S. Code 1602 Truth in lending act I am the original creditor, therefore you can not close an account without my written consent.

Due to your adverse actions and unfair credit card practices ( TILA 15 U.S.C. Ch 41 ), for the past 5 years I have suffered damages such as XXXX XXXX and XXXX because now I have high interest rates because of the information that you reported on my report. These are damages that no one can tell me how much they are but me as the consumer. You dont know what Ive incurred over the past 5 years. Ive spent 5 years trying to clean up my consumer report. You dont know that Ive tried to get loans from 10 different banks to help pay my grandmothers medical bills. Now my interest rate is XXXX XXXX  because your people have spilled and compromised my information which is identify theft. Under TILA, FCRA and FDCP I did not give you written consent to close my account. This is a FDCPA violation. You violated me. I have rights as a consumer which you violated. You defamed my character.

JPMCB CARD SERVICES - XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
loan depot must conduct an thorough investigation about possibly scam artist XXXX XXXX scammed me out of my home XX/XX/XXXX and moved in the next day around XX/XX/XXXX has gotten multiple loans and are hitting my credit or by emails. I never conducted the loan action with loan depot in XXXX and want you to investigate who did as I know from my loan he has gotten loans with HUD in XXXX, step forward, michigan assistance program, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX all possibly in my name or under my account. 

please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was banking with BB & T bank for 25 years and I did some investment packages ( Thou the returns that were not were even close ), I did not make issue out of it. In 2007 at the instance of Manager I moved the XXXX mortgage to BB & T. Recently when XXXX Manager Insisted I should refinance, I decide to go with and my paper work started. My loan was approved and all the paper work is done @ the final stage someone from loan dept started sending emails insisting I should send 1 ) Internet company -XXXX  XXXX credit rating 2 ) Social security benefits I drawn from SSA and statement. 

I have replied that I never took dime form SSA for 30 years or ever and I did not start any befits from SSA and XXXX XXXX is just internet company that provides that provides only internet services ( which I was shopping to see what is the best service in the market ). 
Despite repeatedly sending emails clarifying all and including other credit application those persons form the Bank never stopped -- finally I have to withdraw my application in spite of Bank saying sorry for all the things happened. 
I feel that Based my Ethic name all this harassment happened and if my name is XXXX, XXXX, XXXX, XXXX these questions should not arisen. 
BBT sent me letter mentioning my credit rating is XXXX and I'm above 99 percentile of American Consumer

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 2017-10-29
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Upon checking XXXX XXXX I found an outstanding debt in the amount of {$480.00} dollars owed to a collections company for some type of service with XXXX XXXX XXXX XXXX. This debt occurred on XXXX XXXX, XXXX. Both XXXX and XXXX XXXX are showing this debt. I am trying to obtain information on the debt but I am having a difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Navient Solutions, LLC.
State: ID
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:
Navient is reporting late notations on my credit file for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These late are erroneous as my student loans have been in deferment due to Covid. I have tried to make a payment and Navient has told me that I can not do so because they are in deferment. However, I looked at credit and noticed that they are updating lates?! I am not late! I can not make a payment on these accounts until the end of deferment. I ask that they remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have contacted Navient several times to have a lower monthly payment. However, the best option the offer me is the one I have to do every year depends on how much money I am making. The difficult part is that they do n't understand that you have other bills to pay and it might look that you are getting pay a lot but after taxes and everything you dont get anything. I have explained them that I have a car, a mortgage, and other regular bills and that the amount I have right now it is too high for me, at the end of the month I am struggling with no money. The should have into consideration other expenses that the student may counter, the same way when you are trying to apply for a loan or mortgage they see all the expenses that you have and they will only approve you a certain amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get frequent calls from Nationwide Recovery System. When i answered one of their calls they said that i needed to pay my hospital bill from a hospital located in XXXX. I used to live in XXXX and just recently moved to XXXX, so i dont recall any medical bill from a hospital in XXXX  XXXX I havent even been there. Now on my credit wise account i see this derogatory account from this Nationwide Recovery System affecting my credit score. I dont know whats happening but this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been violated by Capital One Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had a prepaid card, and I put my own money and, I never get any credit besides my own money, now they report to the credit bureaus that I have to pay more than {$800.00} dollars which is unlawful, I have a rights and please help, because this bank is reporting that Im an delinquent, I see this irrelevant and frivolous and must remove from my credit and update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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 XXXX and XX/XX/XXXX multiple letters were sent in to XXXX XXXX, Equifax and XXXX disputing the inaccurate bankruptcy that was obtained through a third party and or Pacer by violating my consumer rights under the FCRA U.S. 1681g and They also have gone against the Public Records Acts Violations and Privacy Act of 1974! also XXXX XXXX in whom they received information from and they have sent me a letter of full deletion from my file. But when I sent the letter into XXXX XXXX they continue to tell me it's been verified and refuse to remove. How is that possible when the Bankruptcy court doesn't give out this information and the person XXXX XXXX that furnish them with the information removed in inaccurate and unauthorized data from their file. It seems unfair to continue to keep inaccurate information on my credit report. XXXX XXXX was reporting wrong filing date on all 3 bureaus, inaccurate court name and location, inaccurate bankruptcy number. It's just all wrong and I feel violated by the credit system and something should be done about this company expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
transunion is suppressing my credit card data from XXXX XXXX XXXX XXXX XXXX visa card. i had XXXX reach out over a month ago to find out what is happening. XXXX told me that transunion was suppressing the data that XXXX visa submits to them. XXXX told me they woud find out why from transunion. i asked XXXX again today if they heard anything and to try again. i dont know if anything is being resolved. i cant resolve this directly through transunion website because it is not giving me that option to dispute anything. it says click on ( new investigation ) tab but it is not showing on the website. hard to request investigation without the website allowing it, so i am going through this route. transunion should be reporting my visa card. not reporting it is harming my credit. it has 12 years of on time payment history. why are they supressing it. please do not suppress it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a Simple account holder. They transitioned to BBVA on XX/XX/XXXX. I have not been able to access my account. I keep receiving error messages. I called and got a representative who I couldn't understand and they couldn't understand me and the call kept breaking up. They couldn't help me and just told me to go to a branch. The branch hours are not convenient and I can't take time off work. I can't access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There are a number of Fraudulent charges on my bank account, that I did not know about nor authorized. XXXX XXXX, never had my consent to charge my account. XXXX XXXX for {$15.00} fraudulent, XXXX {$73.00} fraudulent, XXXX XXXX {$400.00} fraudulent, XXXX XXXX Fraudulent, XXXX XXXX XXXX {$30.00} fraudulent, XXXX XXXX XXXX {$21.00} fraudulent, withdraw for {$300.00} XXXX XXXX XXXX fraudulent.

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 2017-10-29
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly contacted Wells Fargo regarding how they process mortgage payments. Each time they receive a payment their system automatically charges a full months interest - irrespective of the number of days elapsed since the last payment. In many instances, I have made payments more frequently than required under the mortgage. In some cases with fewer than XXXX weeks between payments. With each payment be charged a full month 's interest, the end result is that I have been charged the equivalent of XXXX months ' worth of interest in XXXX month. 

While I suspect that this is an unintentional systems design error, Wells Fargo refuses to correct the situation. Their most recent letter dated XXXX XXXX, XXXX indicates that this is their standard practice and in accordance with the terms of my mortgage note, which they attached. In reality it is both unfair and resulting in my account being charged substantially more interest than is required under the mortgage note. 

In addition to my own experience, I am sure there are other borrowers who have made similar frequent payments and unknowingly been charged more interest. In fact, Wells Fargo 's own mortgage website encourages borrowers to make twice monthly payments or exceptional XXXX time payments to reduce interest charges. In reality, the end result is that Wells Fargo will actually charge more interest rather than less. 

Aside from my direct contact with the XXXX XXXX and XXXX XXXX which has resulted in no change to this unfair practice, I have also emailed both Wells Fargo 's Investor Relations team and XXXX XXXX XXXX. I have not received a response to either of these emails.

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 2022-03-30
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went to XXXX XXXX in XXXX. My debit card was ON FILE! They got paid! 

Fast forward to XXXX and theyve put a collection on my credit report for the hotel I was staying at ( XXXX XXXX XXXX  ) Which is RIDICULOUS! If I hadnt paid I would have been in collections years before now. How they picked me to lie and say I owe them is beyond me. Ive contacted the collections agency numerous times and they still havent removed it! My account was charged back in XXXX! I do NOT owe them anything

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 2021-11-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Please take notice that I am updating my personal information with all 3 major credit reporting agencies as described in 1681a ( p ) to ensure that I am protected as a consumer. Therefore, I have enclosed proof of current residence, social security number, and a copy of my identification card. Please update my information accordingly. Any of the following personal information ( any name variations, social security number variations or date of birth variations ) that differs from the information listed below I hereby request its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This collection agency called me several times about an unpaid bill from a utility. I informed them each time that my real estate agent had ordered stoppage of service and a final bill that I had paid, but that my request had been ignored. Previously, I had dealt with the utility on the same subject. They called me a liar. All other services had been turned off because we had moved everything out of the home.

Again, my real estate agent called them to shut off power and gas. As I had moved out of the home, I was unaware that they had ignored the request. The text of an email from the real estate agent is below:

Begin forwarded message:

From: XXXX XXXX  
Subject: XXXX XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX at XXXX XXXX PDT
To: "XXXX   (XXXX)" 

Good Afternoon XXXX XXXX!
We just wanted to let you know that the utilities for your property will be taken out of our name as of tomorrow, XX/XX/XXXX. We will be forwarding the bills to you once we receive them.
Thank you very much!
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation