BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: EQUIFAX, INC.
State: MN
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: Investigation took more than 30 days

Complaint:
I have called XXXX XXXX and Equifax several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave XXXX XXXX to report or house any information on me Equifax is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: AES/PHEAA
State: CT
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'm participating in the Public Debt Forgiveness Program and submitted my first certification form in XX/XX/XXXX. It certified that I've been working that the XXXX XXXX XXXX XXXX, an qualifying XXXX, since XX/XX/XXXX. 

My loan was transferred from XXXX to XXXX XXXX shortly thereafter. However, my first statement from XXXX indicates that I've only made 3 qualifying payments toward the PDF program. 

Before working at this XXXX, I worked for the XXXX XXXX XXXX, and I'm working on obtaining certification of that as well. That is a total of 7-8 years of public service. My account should certainly reflect more than 3 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged two amounts of {$200.00} by United Air which should not have been charged. Additionally, foreign transaction fees of {$6.00} per transaction was charged. I called to request a refund of fees and a credit and the service agent was not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-26
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX my husband and I took out a mortgage with XXXX  XXXX  XXXX. Two years later we refinanced the loan with XXXX XXXX  which was sold to XXXX XXXX XXXX  which was sold To Wachovia bank. To make a long story short XXXX  never released the original mortgage lien. We did not have knowledge of this lien until we sold our house 3 years ago and to our shock was informed of it.Obviously the sale of our house fell through. Not only have we paid our mortgage but we have paid thousands of dollars in interest over all these years. XXXX has been out of business for 28 years we feel XXXX XXXX  was responsible for making shure this lien was released therefore shouldnt Wachovia be responsible? We would appreciate any help you can assist us with as this has been terrible XXXX  we are blameless in.

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 2022-04-20
Company: EQUIFAX, 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 XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Lima One Capital, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Paid for an appraisal and it was never completed and refund was never processed after promises. No update on finalizing loan title work for almost 2 months now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-06
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with NAVY FEDERAL CREDIT UNION in XXXX  and total amount of {$1900.00} was locked in my account and i have not been able to access my account since not to talk of withdrawing my available balance. 
All efforts made to contact the said bank have proved futile so far Below is the said bank details : Account Name : XXXX XXXX Account Number : XXXX Routine Number : XXXX Please treat this as urgent sir/ma as i am at risk of losing my money. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: LD Holdings Group, LLC
State: CA
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: Investigation took more than 30 days

Complaint:
Complaining about Loan Depot Mortgages, Never got a delinquency letter from the company! Eventhough I had it all set up on my end for payment. 

Poorly handled by previous agent. When I started my refinance with Loan Depot from Other mortgage company on XX/XX/20. I have set up an autopay assuming it will be automatically deducted from my bank.

On XX/XX/2020 I got a message from Loan Depot through email about late payment and deregatory mark was immediately was reported to my credit bureau. I immediately called LOAN Depot regarding my concern. After speaking with customer service agent adviced for me to ignore the messages about the non payment as she can see that I already have the payment drafted in her system and that it should go through anytime. 

Long story short : the payment was never deducted even though i had set it up and funds are ready. i have never received any delinquent letter from Loan Depot! 

Called loan depot again and spoke to these agents : According to their Agent XXXX AGNT NUMBER XXXX And Agent named XXXX agent number XXXX There was a-glitch in their system. They informed me that they will move forward with this and retract the bad report on my credit. Unfortunately they never did. 

I have wrote them multiple email and faxes! Unfortunately no response. 

My credit went from XXXX to XXXX! 
I have been always meticulous with my credit and this is what I get after refinancing with Loan Depot. Very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This morning I found out that my bank credit card was closed, and then I called Bank Of America and they told me that my checking and savings account would also be closed in the next few days. Didn't provide any reason for closing my account. This has had a huge impact on my life, the only city I live in is Bank Of American. Now they can't open an account for me. I have not had any illegal operations, there has always been a stable deposit in the account, and the credit card has never been delayed in repayment.

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 2021-09-08
Company: EQUIFAX, INC.
State: MI
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:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Personal information incorrect

Complaint:
The following information is incorrect Name : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX Employment info : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
I have two XXXX XXXX accounts that have not shown on my credit report and it affecting my credit rating. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have reached out to XXXX XXXX and was told they are reporting on the XXXX of each month yet I do not see the entry of any of my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: PNC Bank N.A.
State: MD
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Maryland, XXXX PNC BANK XXXX  XXXX  XXXX  Account # : XXXX XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from XXXX  and {$400000.00} from PNC BANK for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have contacted Capital One XXXX time for information pertaining to a charged off credit card reported on all XXXX of my credit reports. They stated that the account was charged off when Capital One purchased XXXX. I said i have never received a XXXX cancellation of debt form and requested one XXXX separate times. After the third phone call received a XXXX form from another account i had with Capital One ending in # XXXX, not the one i requested. I extensive records of every credit card and credit card bill from over 10 years back and i can find no record of ever having this account or having this card with Capital One. The only information i can find about this account is on my credit report stating a balance of {$2700.00} and the last XXXX digits of the account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents, the personal information you are reporting are not mine.

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 2021-01-26
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I first contacted Comenity Bank regarding my Sony Visa on XX/XX/XXXX, XXXX to file a dispute for {$1700.00} against a local business. The agent that assisted with opening the dispute had no idea what she was doing, she even admitted to me that she normally doesnt do them. She hardly took any information, not enough that would allow for the disputes team to come to a reasonable conclusion. She did not tell me that I would have to send documents in by mail. She stated I would receive something in a couple of weeks. A few weeks went by and I didnt hear anything so I gave Comenity a call. The lady I spoke to informed me that they had closed the dispute. I had never received anything notifying me of their decision, nor did I receive any documentation provided to the credit card company from the merchant. They gave the merchant the upper hand and kept me in the dark. From the very start, this company did everything they could to set me up for failure. I would talk to someone on the phone and they would direct me to their messaging portal. I would do what they said and use the portal and then get a response that said I needed to call customer service. The fact I was told so many incorrect things and then could also never actually speak to anyone in the disputes department was beyond aggravating. I was told I could file a dispute through the portal and that I could submit my documents on there as well. All of those were in fact lies. I had to send those things in writing. I appealed the decision and this time was able to send in the documents, I even provided a copy of the XXXX reviews the owner was leaving for her own business. Shes a deceptive person, and I wanted them to see that. One of the representatives I spoke with had the audacity to tell me to take it to small claims court. I provided everything this company needed to do its job. They couldnt even provide me with an explanation as to why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-02
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I used XXXX connected to my Wells Fargo online application to purchase concert tickets. The first occurance was on XXXX which I was supposed to receive 3 tickets for XXXX. I didnt receive the tickets at all and the guy claimed they were sent to his account but his brother had switched something around so he was unable to receive the funds. His name was XXXX XXXX. He gave me a XXXX account with a different name but I declined to send him more money as Wells Fargo saw that XXXX XXXX XXXX received the {$180.00}. Today I was trying to purchase tickets and was asked to use XXXX to transfer {$100.00} for 2 tickets. I was apprehensive so we agreed that he would send the tickets after I sent him {$50.00} and then once I received the tickets I would send the other {$50.00}. I sent him the {$50.00} and XXXX XXXX  received it. His name was XXXX XXXX. He hasnt responded to any of my calls or texts and wont send the {$50.00} or provide the tickets we agreed on. Wells Fargo, XXXX XXXX XXXX, and XXXX should not use XXXX for its customers as their is no consumer protection. I have filed a police report with the city of XXXX XXXX, Minnesota. I would like Wells Fargo to return my funds immediately, as there are no safeguards in place to prevent more consumer scams just like this. 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 explanation
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
After the divorce of two of the three owners on the property ( one being unemployed for months and the other unable to financially contribute ), we attempted to sell however was unsuccessful even after lowering under value. In XX/XX/XXXX, I ( the third owner ) began submitting documents for the loan modification process. During this process, I have been through four different " Homeowner Support Specialists '' that all told me different things. I was told by the first representative to submit all paperwork with both my first mortgage and equity line account numbers on them so that the modification can be done at the same time for both. I was also told that if I accept any modified payment plan from XXXX XXXX then that would put a hold on the modification review. I submitted all the repetitive paperwork from XXXX until XX/XX/XXXX. In XX/XX/XXXX, the equity line was charged off due to missing documents. How can it be missing if you received it for both accounts at the same time and the 1st mortgage is in a modified payment plan????? I spoke with the latest " Homeowner Support Specialist '' that told me to contact the " Recovery Department ''. I contacted the " Recovery Department '' who told me that the loan was charged off due to being behind and not submitting documents. They said I had to speak with the new servicer. I spoke to the servicer who told me that I would have to speak to Citibank about why it was charged off and they wouldn't know. They also said that the loan is only with them until XX/XX/XXXX and then they don't know where it will be going. So I contacted Citibank once again and the " Recovery Department '' told me that I had to speak to someone in the Equity Department. I spoke to someone in the Equity Department that told me the same thing. I asked to speak to the Supervisor who said he couldn't help me after it is charged off due to not submitting the paperwork. I asked what paperwork was missing since they got it at the same time as the 1st mortgage. The " Supervisor '' said that he couldn't help me. I have been maintaining the property ALONE since then and am just trying to get a handle on the bills since it was thrown on me all at once. I have wasted countless hours trying to get both loans modified. I have gotten contradictory paperwork in the mail. At some point the modification was " rejected by me '' in the system when it wasn't ( but that was corrected ) I also got paperwork saying that Citibank wasn't the primary lien holder. BOTH ACCOUNTS ARE WITH CITIBANK. If the Equity Line was supposed to be handled separately ... WHY DIDN'T ANY OF THE FOUR HOMEOWNER SUPPORT SPECIALISTS TELL 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 2023-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a verification of record that the address showing on this statement is my correct address. If you can not provide a statement that matches the address on my credit report, please delete this account immediately under the FCRA. Also, please delete any duplicate addresses reporting on this credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: Experian Information Solutions Inc.
State: CA
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 has violated my rights. 

15 U.S.C. 1681 section 602 A status, 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 an 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