BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
ECOA, enacted in 1974, prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, source of income or whether a person exercises rights granted under the Consumer Credit Protection Act for any credit transaction and through the life of the loan. Each time I have applied I have been denied and I believe it to be discrimination because of my last name ( a part of my heritage ). I find this game AMEX plays funny and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I own a large number of properties. ( More than 10 ) Chase services 3 loans from my portfolio. Recently all my individual property insurance polices were cancelled, by me, and replaced with a commercial policy that covers all my investment properties under one policy. As a result there is no individual amount to pay from an impound for one specific property. I pay an aggregate dollar amount to cover all properties in my portfolio. 

I kindly asked Chase to STOP paying INSURANCE from my impound account. I told them they could and should continue to impound funds and make property tax payments. 

I asked Chase by phone. I asked them in writing. 

I furthermore expressly removed any and all permission and consent for Chase to withhold money from me for the purpose of paying insurance premiums on my behalf. 

Chase has refused to honor my request. They insist on a nonsensical arbitrary withholding of my money for insurance ( I expressly FORBID AND DEMAND they do not ) I further DEMAND that they not send my money to others for the purpose of obtaining insurance. 

The behavior of Chase to this simply, reasonable, and logical request is appalling and quasi-criminal. I ask to CFPB to fine and sanction Chase. 

The three mortgage accounts involved with this request are ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Discover refuses to allow me to log on. I have to go through all verification and change password each time and when I log back in it doesn't remember and wants me to call. Discover is stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
4 months ago I received my credit report and it had inaccurate data concerning my Bank of America credit card account. In XX/XX/XXXX, the report stated I was late three months in a row. They were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, I had set up automatic payment through my checking account a year prior. At the time, I contacted a representative from Bank of America and was told it was an error on their part for halting my automatic payments. After the initial month of a late payment I had to resubmit my checking account. However in XX/XX/XXXX it happened again. As well as in XX/XX/XXXX. Finally, I started to pay manually to make sure the payment was taken. I was told by the customer service representative that no adverse action would be shown on my credit report About three months ago I mailed a certified letter to Bank of America expressing my concern about the negative and inaccurate reporting to the credit bureaus showing missed payments. I received a letter from Bank of America stating that they did report my missed payments accurately and had no information regarding the representative stating that the inaccuracies would not affect my credit report. I would like this resolved as soon as possible.

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 2019-01-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Wakefield and Associates has been been been doing negative reportings continously, back in XX/XX/XXXX and XX/XX/XXXX they kept on going with the collection calls, Ive asked multiple times ( over 3 times ) to the collection agency that I needed a copy of the statement in oder to take it to my attorney so that i can proof that the debt has been cleared through some legal standing. The collection agency continued with the calls, im still hers in XX/XX/XXXX still waiting on a response. I am sorry but i am not willing to give the collection agency 4 tries in order to just get a copy of my so called debt, they call, i verify, i request my bill, I even take anitiative to confirm my address myself in order to make sure they get it right. I should not have to keep checking up on them, i should have only asked once but they have failed to complete my request but continue to impact my hardworking credit score. I am so far in good standing 's with car payments on time, credit card payments on time but here i am stuck with the with this horrible company.

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 2018-06-11
Company: EQUIFAX, INC.
State: AR
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:
1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on MondayXX/XX/XXXX at XXXX XXXX XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX   3. After a few weeks I received notification as " UPDATED ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/20 I called to file a complaint about overcharged amounts from XXXX. They placed me on hold for over 6 hours. Yesterday I finally got through to an agent in the fraud department who answered like I woke her up, was extremely rude and hung up on me. Today I held for another 6 plus hours and in the process of speaking to someone in the fraud department mid conversation I was disconnected again because it was after XXXX and that department closes at 9. You can not get through or receive a call back. I want this issue with XXXX  resolved and to close out this account and receive my State funds in another way. This is a financial institution and you can not physical go to any location or reach anyone via phone or email to resolve issues.

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 2020-10-10
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
About 2 months ago, I received an account statement from a company called Real Time Resolutions from XXXX, TX, the statement said that I owed {$17000.00} from a Property in XXXX XXXX, which I never relocated to that state for anything at all. So I called and they said they would do an investigation and get back with me. As of this day, they have not done an investigation for this home, they even ask me for my social security number, and the person I spoke with said it didn't match my number, so why are they still sending me statements regarding this property, which I never been or will go to XXXX to live. I live in California all my life, and now that I am XXXX years of age, I have no plans of moving to XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a letter to Wells Fargo ( XXXX ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted XXXX dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted XXXX  dispute receipt showing when you received my dispute showing all the accounts I have disputed.

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 2018-04-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-20
Company: Reliant Capital Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX has called me multiple times and hung up with out giving me any info. This mornings call at XXXX was XXXX calling me and hanging up after I verified that he was speaking to the correct party. It took me speaking with a manager to figure out what the debt was. The last time he called me a few days ago the same XXXX called and hung up on me after telling me I was " refusing to pay '' but I had NO IDEA what I was " refusing to pay ''. They also never read to me my Mini-Miranda before hanging up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: Early Warning Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have sent a letter to XXXX XXXX ( EWS ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted EWS dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted EWS dispute receipt showing when you received my dispute showing all the accounts I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I have asked Nationstar Mortgage, now Mr.Cooper, to send me XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX but they had not yet done so. They have only supplied that info for time after which they took over XXXX XXXX in XX/XX/XXXX so I am still contesting the additional # XXXX they tacked on to our loan for, they say, non-payments from XX/XX/XXXX-XX/XX/XXXX. My faxed documents show that the mortgage was paid during that time. I have also written the IRS for those documents since, to date, I have not received them from Nationstar ( Mr. Cooper ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 2 collection agencies trying to collect a debt i dont owe. I disputed this debt numerous times but unfortunately the credit bureaus would not remove it. I just received another offer from a different agency than the one thats on my credit report. Since nobody knows who I should pay then it should be removed from my report until a fair investigation is completed. I dont owe this debt. I never opened any account with 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 2019-01-04
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am trying to find out why is my XXXX discharge taking so long to go through by the loan services. XXXX notified them on XX/XX/2018 of my permanent discharge approval due to verified VA XXXX. I keep calling and asking so I keep getting different answers about why it is not done yet. Including any refunds that is due back. First, they said 60 days, then 90 days, and now 6 months. XXXX said it should have been completed by now because they have all paper work needed for discharge and any refunds that is due back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: AmeriCollect
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX  ) XXXX on Monday XX/XX/XXXX at XXXX XXXX. XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion.

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''

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 2019-03-31
Company: Experian Information Solutions Inc.
State: FL
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 notified each of the credit bureaus that XXXX XXXX XXXX ( XXXX XXXX ) XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.

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 2018-06-11
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I've been divorced a couple of years now and I've changed my address twice. At one time my husband and I had joint accounts with TD Bank but not since our seperation in XX/XX/XXXX. I am at my current address over a year now and TD Bank have been mailing credit card applications to my Ex-Husband at my address. I have received 6 since the begining of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
some time on or about XX/XX/XXXX talk with a representative at chase card and explain that we had XXXX in the family in XXXX XXXX  which was my dad. so on or about I receive a Letter to contact the bank if I need help. and I explain the representative that I do not believe we need help and that I would be in to pay the past due on or about on XXXX  theXX/XX/2019. and that day I pay that past due balance XXXX and this was on the XX/XX/XXXX today is the XX/XX/2019 the account is close went there was an arrangement on the account # XXXX and there is a new payment for XXXX date for the XX/XX/2019. this account is not in the red as of this day. this company have always pay it bill. I believe it unfair to close this account that they agree to help us as of XX/XX/2019 by the letter that they send to us at the crop office.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/XXXX, XXXX XXXX, XXXX for amount of {$760.00}. I have sent XXXX XXXX, XXXX a debt validation certified on or about XX/XX/XXXX. XXXX XXXX received my debt validation on or about XX/XX/XXXX. XXXX XXXX did not respond. XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXX I disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is trying to re-collect and still has not validated my debt validation which was sent to them and also XXXX XXXX XXXX reported to all 3 of my credit reports.

Company response to consumer: Closed with explanation