BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-15
Company: Moneytree Inc
State: NV
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan online and was denied. I requested for the lender to explain the reason ( s ) for the denial. The lender told me I was denied because I had an outstanding balance of {$350.00} from a returned check the lender is claiming I wrote at one of their locations in XXXX XXXX, XXXX on XXXX XXXX, XXXX. I explained to the lender that it was not possible because I resided in the state of XXXX at the time the alleged check was written and did not move to XXXX XXXX, XXXX until XXXX XXXX. I also explained that I had been a victim of identity theft around the time the alleged incident occurred in which I had to file police reports, identify theft affidavits, complaints to the FTC, notified the Inspector General for the United States Postal Service because my mail had been affected, notified the DMV to place a fraud alert on my Identification record, notified the IRS so my file could be alerted, notified the SSA so fraud alerts could be placed on my social security number, notified all XXXX major credit reporting bureaus to place extended fraud alerts on my credit reports and things got so bad that the XXXX Nevada Office of the Attorney General even provided me with an Identity Theft Passport ID due to being a victim of Identity Theft. In addition to all of that information I provided to the lender, I also advised them that the 6 year statue of limitations for the alleged debt had expired being that it was said to have taken place 11 years old, therefore it should n't be on my record anyway. But even with all of that, the lender continues to deny my requests for a loan due to the alleged 11 year old debt.

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 2020-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020, I received an email from Chase saying that {$8500.00} wire transfer was made from your account. This wire transfer was not authorized by me and was initiated by XXXX XXXX. I have no knowledge of XXXX XXXX. On XX/XX/2020, I went to Chase and instructed that a freeze be placed on the account and to credit my account immediately for the {$8500.00} unauthorized wire transfer. Chase refused to credit my account and said that I had to wait unit the Claims Department finished an investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-21
Company: United Student Aid (USA) Funds
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In XX/XX/XXXX, my student loans were turned over to XXXX XXXX for collection. I made automated monthly payments totaling {$5400.00}. In XX/XX/XXXX, I received a notice that USA funds reported a default status for nonpayment, even though I was making monthly payments. Dumbfounded, I called XXXX XXXX who had been taking my month for three years, and they said, yes, I was in default. I to this day do not understand why, but they walked me through consolidation paperwork. I also requested all payment history with their company as I still did not understand where my money had been going. 
In XX/XX/XXXX, I received notice from the new consolidation company ( XXXX  ) that my principal balance is {$13000.00}. ( My balance as on XX/XX/XXXX with XXXX XXXX was {$11000.00} ) XX/XX/XXXX I called XXXX, and all they could tell me is this was the amount transferred to them. XX/XX/XXXX I called XXXX XXXX to verify the amount they transferred and they claim it to be {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion is still reporting a loan I have from the XXXX with 16 missed payments. I never had a single missed payment.

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 2018-06-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We submitted a Request for Mortgage Assistance to Chase on XX/XX/18. We are NOT in default. However, we were forced to pay this month 's mortgage payment after the 15 day grace period and logged in to our Chase account to find the ability to pay online had been revoked. When I called to ask why, I was told this is their company policy to force people to call in once they've requested assistance. While I understand the importance of maintaining an open line of communication when attempting to work out some sort of mortgage assistance, it seems to me to be counter productive and also creating an undue hardship in one 's attempt to pay their mortgage payment. Purposely throwing up a roadblock to that end makes it seem as if Chase wants its customers to go into default because at times, like in my situation of XXXX small children and both me and my husband often too busy to pick up a phone to call in a payment, it is an actual hardship to revoke online payment access. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for Citigold checking account which had a promotion for XXXX XXXX XXXX miles. After meeting the requirements and confirmation of meeting requirements by Citi Bank, it has taken multiple calls and messages to get the miles posted to my account. I have contacted them again today on XXXX/XXXX/16 to sort it out and have saved the conversation and their incompetence at handling this issue even with reference to said case number. After 6 months of trying to sort this out on my own and given false promises of when my points will post, I am reaching out to the CFPB to help my case.

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 2017-03-16
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a checking account through CitiBank under their Citibank Account Package. Their terms were to open and fund it with {$15000.00} by XXXX XXXX, 2016, and I would then receive {$400.00} with 3 months. It has now been 5 months since that deadline and I have not received this bonus. Inquiries to Citibank have only been met with Cryptic " we 're working on it '' messages. 

http : //www.mymoneyblog.com/citibank-checking-account-bonus.html is a good representation of the terms of the promotion

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 2017-08-06
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Synchrony bank calls at XXXX or a little after on Sunday mornings. The law says they can only call after XXXX to XXXX on Sundays. I do n't want to be disturbed like this on Sundays. I 'm trying to work things out and feel as if they are harassing me. They also call six to seven times per day. They do n't make it easy or pleasant to do business with.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my 2nd attempt to submit this complaint but then I think my request has been ignored by the bureau. I am certain that these accounts below are reporting erroneously in Experian. I do not remember having these accounts with these companies. I don't think there is legal contract between these companies & myself. I would like you to provide me verifiable proof these accounts belong to me. I demand a signed contract which will prove a legal agreement. Please authenticate this information and provide me with copies of any documentation linked with these accounts which bears my signature. In the absence of any such documentation bearing my signature, please delete these straightaway. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-02-11
Company: ENCORE CAPITAL GROUP INC.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Dear Chex Systems, After reviewing my records with Chex Systems ; I noticed that two checking accounts that were opened fraudulently are still being reported as having belonged to me. The account were from XXXX XXXX XXXX and XXXX Bank. I believe these accounts either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of these two accounts and that you purge all my information from being linked to the closed checking/savings account from your system. Failure to do so will result in legal action taken against your company in small claims court. I have never had a checking account with XXXX XXXX XXXX nor XXXX XXXX. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. Please also provide me my Chex Systems score. 

Very Respectfully, 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 2017-02-09
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016 I went to the doctor for a XXXX. The doctor XXXX. One of those XXXX caused a bill for {$93.00}. I paid the bill a week after receiving it through mail, on XX/XX/2016. I 'm attaching the check that I sent to the company and that was cashed by the company on XXXX. Surprisingly, since XX/XX/XXXX I 've been reported every single month past due, including XX/XX/XXXX, month which the bill was incurred!!!! I would like the trade line deleted and a confirmation letter from the company that such action has been taken and communicated to all XXXX credit reporting agencies. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to us bank for one more attempt for home loan I gave him all the info even got letter from job, it buy itself was a task He said that's all we need, I cant count how many times I heard that After I got that he said he need my car payment knocked down I forgot to mention he started acting out, right after I talked to his management so I'm still sitting over my brother looking for help with my home buying process please if you can help please do something Now

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 2020-07-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. 

XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. 

XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. 

At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: NAM National Arbitration and Mediation
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XXXX XXXX 2019 an aggressive XXXX XXXX called from ADR ( XXXX ) XXXX threatening to come to my house ( left my address on the voicemail ) to serve legal paperwork & claimed she'd be on the look out for my car ( left the last 4 of the vin on the voicemail ) if I didn't make myself available. When I called a rude XXXX explained the call was about a XXXX XXXX credit card that was discharged in a 7 yr old bankruptcy. She claimed the creditor had filed a new appeal & was now taking legal action against me. I told her I would call my attorney & I provided them the voicemail recording.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-05
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: Investigation took more than 30 days

Complaint:
The problem is Equifax is still reporting this Incorrect & unverified account on my report. I sent multiple letters stating this account if incorrect & unverifiable, they never sent proof on how they verified the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I earned an XXXX Award through service with XXXX for XXXX. The education award was for roughly {$9400.00} and I decided to put it towards loans I took out to earn my XXXX XXXX XXXX. These loans had a higher interest rate, and were taken out through Fedloan. I applied the XXXX award in XXXX XXXX. All the National Trust does with XXXX is send the money to the loan provider, in this case, Fedloan. My online account balance, though, never changed with this payment. It was at about {$11000.00}, and did n't change. Even when I did smaller payments since then, the balance never changed. I was NEVER asked by fedloan how I wanted that money dispersed. I assumed that if I gave them {$9000.00} the balance would then go to roughly {$2000.00}. If I give them my money, it should be used. 

But, I have learned that Fedloan is using this {$9000.00} payment as a " fund '' to take from each month for my monthly payments. When they would send me a " monthly bill '', the statement would read " {$0.00} due ''. Each month this would appear since I submitted the education award. 

When I called fedloan, they notified me that the loan would be in use until XXXX XXXX. So, instead of using money I have given them to pay off the majority of the loan, I am being almost trapped into a consumer relatioship where my money is used to keep me there and garner more interest each month. 

When I asked them to resubmit the payment, they said that they could but it would then put my loan in " delinquent status '' since I personally did n't make individual payments on the account since XXXX, XXXX. I was n't able to make the payments, since each account statement said " {$0.00} balance due ''. 

I feel very conned by this organization. I already paid {$1800.00} in taxes on this education award, as it is considered untaxed income. Now, it 's being used against me to keep me as a consumer with Fedloan for as long as possible. I was n't given a choice for how my money would be applied, nor was i notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
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:
I Have been disputing this account named XXXX XXXX for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent National Credit Adjusters a Debt Validation letter that the received on XX/XX/2020. In that letter, I clearly stated the clause below : " I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. '' However, National Credit Adjusters ignored this and continue to call me. I have proof of them calling after I asked them to clearly NOT to. 

This is considered harassment, and I have been stressed and mental anguish regarding this. 

I demand compensation in the amount of {$5000.00} for them violating my FDCPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I went to try and purchase a new car. I agreed to allow credit inquiry by the dealership. During this whole process, the dealership allowed my credit to be checked 16 times on Experian, 6 times on XXXX and 4 times on XXXX. This has destroyed my credit since all creditors say I have too many inquiries. I would never allow someone to hit my credit report 16 TIMES!!! I want these removed. I have contacted the credit bureaus, and there is nothing they can do to assist, so they say.

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