BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This email was sent on XX/XX/XXXX to XXXX XXXX XXXX, CEO Consumer Banking XXXX XXXX XXXX, XXXX XXXX N.Y XXXX, XXXX I think it provides all the details of my complaint. 

I am writing to you about my problems trying to refinance my current home mortgage ( also with Chase ). You should know that I am a private client and have been with Chase for a number of years and have a respectable credit score. My application for the refi started in XXXX of 2020, and now almost six months later, it looks like it will be declined. During this process things seemed to change every week and additional information was constantly being asked for and I did send what was requested. In XXXX, the final straw was that my condo building did not have 100 % replacement for flood insurance ; my condo then increased the flood insurance to 80 % and not 100 % because doing 100 % would be at a prohibitive cost. I was then told that I could get flood insurance for my unit at 100 % by paying for it myself. 

My insurance agent thought it was ridiculous to get flood insurance for a unit on the 7th floor, even given the fact that the condo is located on Ocean side in XXXX, Fl. Additionally I was told that FEMA is not accepting applications for flood insurance at this time. 

I am now told by XXXX, XXXX ( XXXX, XXXX ) XXXX, that without the gap flood insurance coverage this loan will not be able to get approved. With my original mortgage there were some complications but I worked with one person and it was sorted out. I thought the refi. would be easy given my long history with Chase. It has not and I have had to be in touch with a number of Chase employees in addition to XXXX, including, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

Lastly I should mention I was informed that I would go to Closing on XX/XX/2020 and then that was canceled and never rescheduled. 

In addition to XXXX telling me my application will be denied she also said it would be a few weeks for me to get my {$500.00} deposit refunded. Both are surprises to me and not what I would expect to happen to a Chase Private Client. 

I was hoping you could explain to me why all of this is happening to me and perhaps help to have my refi approved. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I contacted XXXX, XXXX, & Transunion verbally and in writing requesting them to add positive credit history that was not being reflected in my credit report. The following information & documentation was provided to all three ( please refer to the attachments ) and as of todays date they have not replied to my request or respond to my request.

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. Spoke with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.

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 2021-06-06
Company: EQUIFAX, INC.
State: IL
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:
This is absolute Insanity with this company. My credit score dropped XXXX points in one day - despite the fact that I've paid my credit cards down even farther! They've also reduced my already incorrectly reported credit history by another month! 

This is affecting my ability to get hired with a consulting firm that works in the financial industry!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: STERLING JEWELERS, INC.
State: MA
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:
I have been on bedrest and out of work because I had a XXXX of my XXXX I have made arrangements with the company to pay my bill for my account and when I called to do this explained my situation and what i wanted to do and never once did the rep say my account was closing giving me a malicious payment plan knowing if the account was closed it wasn't my priority bill to pay as my priority was to maintain open household bills when i called few months later to get my mother a gift for taking my kids during my hard time I asked the rep why is it showing there isn't a available balance when the accounts been paid and the rep told me the company closed my account for not paying yet I have receipts of payments I am no seeking legal damages for the company for discrimination and malicious attempts to collect a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Merchants' Credit Guide Company
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, on XX/XX/2020 my account with Robinhood its investment company was compromised. The only way to get in touch with the company is through email. I had four stocks that were traded without my permission. I have done everything that the company has requested me to do and have not received any response. I would like to know, if you could please help me. The company email is Robinhood.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
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: Account information incorrect

Complaint:
I disputed inaccurate account information with TransUnion that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from TransUnion, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that TransUnion share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue stress. I'm trying to resolve this issue. But I know my rights and the law. I just want TransUnion to abide by the law as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have repeatedly asked for evidence to support XXXX  's reporting, but yet again, the company has failed to provide me with a copy of any viable evidence submitted by DeptEdXXXX, XXXX XXXX, and XXXX XXXX substantiating their claims. 
Furthermore, I have requested your method of verification, and XXXX  have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I am fililing a complaint. I sent them several certified letters dated, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not received any reponse from the credit bureau.

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 2018-12-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information showing on credit reports

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 2021-07-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract.

2. XXXX  {$540.00} ive never done business with this company were answered into a signed contract.

3. XXXX XXXX XXXX XXXXl ( XXXX XXXX XXXXr ) {$160.00} ive never done business with this company or entered to assign contract.

4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract.

5. XXXX XXXX$1700.00} Ive never done business with this company or entered into a signed contract.

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX Please See Attached FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AMERICAN EXPRESS COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I referred a family member for one of their products, the American Express XXXX XXXX card, and that person was approved. American Express promised to give me XXXX XXXX points for referring this person if they were approved. My referral bonus did not post within a reasonable time period so I contacted American Express after 8 weeks from the date of this person 's approval. American Express refused to credit the points. 

I referred this person on XX/XX/XXXX and the person applied for the XXXX XXXX card on XX/XX/XXXX. I watched this person use my referral link and saw that his application was approved, this again was on XX/XX/XXXX. We each took screen shots of every step and that documentation is attached. 

I contacted American Express on XX/XX/XXXX and initially they said they would review my account by chat. They did not further initiate a chat invitation. I then contacted them again on XX/XX/XXXX and they told me they would not credit the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have rcvd several phone calls from this company from several different phone numbers all times of the day they have called after XXXX and before XXXX. I told the company that I have moved to another state on a previous call before XXXX and gave my new address. and apparently they failed to update their system which is clearly mishandling this account. so this morning I received a phone call at XXXX XXXX from this company I told the representative on the phone that It was before XXXX and what address they have for me and she gave me the correct address and I advised her that it was a violation of the fdcpa to call before XXXX and I wanted to speak to a supervisor and her response was well are going to take care of this. I asked if she heard what I said and I was put on hold. A operations manager came to the line and again confirmed my address and I advised this is the 3rd time that I have gotten a call before XXXX or after XXXX XXXX  and I would be filing a complaint with the cfpb and she said they have their own complaint procedure and they will file the complaint. she again confirmed my address and immediately after continued to try and collect on this debt before XXXX after me saying several times that it is a violation of the fdcpa. FDCPA sub chapter 805 section ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, ( which this comapany had contrary knowledge because I gave them a new address and they failed to update records but still had it noted ) a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumer 's location

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are fraudulent inquires on my report please remove them. 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 explanation
Consumer complaint received 2020-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I was alerted that there were substantial changes to my credit report, reading 2 late payments on my Capital One Credit Cards. I had set up Automatic payments so I attempted to resolve the issue with Capital One Directly. They refused to change any reports. I contacted the credit reporting agencies XX/XX/XXXX and again XX/XX/XXXX to resolve the issue and I included copies of my credit card statement that reflects a payment made and bank withdrawals along with my letter of complaint. Of the three bureaus only XXXX corrected the mistake ( XX/XX/2020 ). I contacted capital One again and opened another dispute after speaking with a representative XX/XX/2020 who confirmed there were no missed payments on my record and opened a dispute for me to have them removed. I received a letter dated XX/XX/2020 stating they are not inaccurately reporting my information and they will not change how they're reporting my account. 
I have copies that reflect payments deducted from my XXXX XXXX   bank account onXXXX and the capital one credit statements showing payments were received. 
Additionally I have copies from XX/XX/2020 showing payment deducted from my XXXX XXXX account and credit card statements from capital one showing they also received that payment as well. 

I called today to address my concerns with them directly that this is not an accurate reflection on my credit report as I have been making HIGHER than the minimum payment for almost the entirety of my time with them however they stated that they cant do anything to correct it as " this is the policy '' telling me that I need to file another dispute. I asked to speak to someone in their Capital One Credit Bureau Resolutions sector but they said there is no person I can speak with, only to submit another letter. Seeing as I have filed 2 disputes already with capital one and 2x already with XXXX, 1x with XXXX and 2x with XXXX I don't believe filing another dispute will be effective. 

This misinformation has been detrimental to my credit, so much so that it dropped my score almost 100pts. I was not able to secure a loan on the home that I have been working to build and buy. It's horrible that a company would be so reckless and such disregard how their policies effect peoples lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday XX/XX/2018 at around XXXX XXXX PDT, I received a call from Quicken Loan so they can provide me information about a possible refinance. The employee name who called me was XXXX XXXX. His number is XXXX. XXXX asked me a couple of questions about what my intentions were for the refinance and how does my credit look like. I told him my intentions and told him my 3 credit scores. Then I had to jump to a meeting and told him I will call him back to continue the discussion. About an hour later, quicken loans does an hard pull on my credit report and dropped my score by 3 points. There was permission from me to run my credit and no authorization was given to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
I have no knowledge of these accounts

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 2020-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: EQUIFAX, INC.
State: NJ
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 with product or service terms changing

Complaint:
As one of the 143 million victims of the Equifax XXXX data breach, I was provided with a credit monitoring service through XXXX   XXXX. Today ( XX/XX/XXXX ), despite the ongoing threat to my & my family 's financial security, as a direct result of Equifax 's negligence, I received notice from Equifax that the XXXX   service has been cancelled, with no reason given. Equifax should be held responsible for the original data breach, including small gestures like providing free permanent credit monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX XXXX had a checking account with Bank of America, account number XXXX. The account was opened ITF ( In Trust For ) XXXX XXXX XXXX, my mother. 

On XX/XX/XXXX XXXX XXXX passed away. In XX/XX/XXXX XXXX XXXX completed the required forms from Bank of America to receive the funds ( over {$1000.00} ). She never heard from Bank of America. 

In XX/XX/XXXX XXXX XXXX fell ill, was diagnosed with XXXX, and XXXX XXXX on XX/XX/XXXX. 

As executor and heir, I contacted Bank of America to find out why it had not issued a check for the balance in the checking account. It said additional forms were necessary, which my mother never received. Now that she is passed, I have to obtain the balance of XXXX XXXX 's account, but Bank of America will not release anything unless there are additional forms completed, an estate opened for my mother ( which is not necessary due to the extremely small value of her estate ), and file forms in South Carolina Probate Court - even though both XXXX XXXX and XXXX XXXX lived in Florida. Bank of America continues to withdraw {$12.00} a month from XXXX XXXX 's account as a service fee, despite being away of his passing in XX/XX/XXXX,  reducing the balance owed to my mother ( and now me ). The case number with Bank of America is 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 monetary relief