BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My Mother died XX/XX/XXXX. I attempted numerous times to get an assumption and/or modification through the previous servicer Ocwen. At the time of her death, I lived there and am the sole heir. All documents were provided to both servicers. After the servicer change to PHH there was a loan account number change and delayed communications. In XX/XX/XXXX, I applied for assistance after my bankruptcy was modified and the loan arrears were removed from repayment through the ChXXXX. The assistance request was acknowkedged but there were 6 documents listed to complete the request. I did not get a response or a decision about how to submit the forms as they were not readily available. Starting early XX/XX/XXXX the loan was no longer accessible online and my payment was returned. When I called representatives would not give me any info about the loan citing bankruptcy laws despite the loan no longer being apart of that action. My bankruptcy attorney gave authorization via written correspondence multiple times in the last 12 months. On XX/XX/XXXX, I received a letter acknowledging assistance and listed the same 6 items. When I called to clarify the rep cited my bankruptcy again and insisted that I provide my attorneys number to authorize the conversation. I then emailed my question and never got a response. I received a letter dated XX/XX/XXXX stating that I had {$26000.00} escrow credit and that my new payment was due XX/XX/XXXX. Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX warning me of foreclosure proceedings and that my file was with an attorney and foreclosure proceedings were starting not from the beginning but from the point of the last forbearance. The loan is not accessible on the website and the insurance has not been paid through the lender. I received a default payoff quote with the warning that proceedings would advance despite no prior notice of status. I notified the bank that the property will be sold within 30 days pending multiple private offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, I signed up a new credit card American Express XXXX XXXX  on XX/XX/2022 around XXXX XXXX  with American Express credit card with annual fee of {$450.00} dollar and XXXX XXXX XXXX points as sign up bonus showing on their website. I saved the conditional & terms file while i was applying, which clearly shows the {$450.00} fee. However American Express violates it and charged me {$650.00} dollar for the annual fee. 

Attached is saved copy of the credit terms I saved up which had the timestamp on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-05
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express notified me on XX/XX/XXXX that if i didnt pay them {$2800.00} by XXXX they were going to consider cutting my credit limit. I called them immediately and they told me that I " i had to wait till i was cut down and then i could file an appeal. '' I updated my new increased salary on my American Express profile and made a balance transfer of {$1000.00} to reduce my balance on XXXX. 

On, XX/XX/XXXX, a Sunday, American Express emailed me that they were cutting my limit by XXXX effectively " maxxing out '' this account. They said it was because I " had not been making enough payments '' even though I have made the minimum payment consistently and have been a card holder since XXXX. They effectively will cut my credit score in a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
For over two weeks I have been trying to work with chime bank in regards to a product they offer called my paycheck. The product offers in advance on your paycheck for up to XXXX XXXX of your paycheck earnings. I had used the product several times, and can show months of several direct deposits received from my payroll. Chime offers 50 % of an estimated amount based on the history of my direct deposits. This estimate has always been roughly {$860.00} which allowed me to take in advance of XXXX. Chime had allowed me to do this several pay periods and then recently the product has started reporting my estimate earnings way lower than ever before. I contacted Chime because it did not make sense as they were connected directly to my payroll through XXXX and they had been receiving my direct deposit every two weeks from my employer for over a year so theyve had plenty of data to create a better estimate. Also, my Pay has never decreased its actually increase and I have allowed more of my paycheck to be deposited into Chime and efforts to help build my credit with her chime credit builder card. 

Chime not only is set up with my direct deposit, but also linked directly to my payroll company XXXX, which means they have access to all of my personal data. Since they have access to all this data, I find it deceiving and not right that they can report an accurate data. 

Today XX/XX/2023 I logged in to my Chime app and noticed my paycheck product now only offered XXXX XXXX  of my off estimate earnings when it had been XXXX XXXX for months. I am currently going through a state of emergency were the advance funds I was hoping to use from the my paycheck feature to help me get through till my direct deposit. Not only did the percentage change but again the estimate earnings is still not accurate and has been somewhat accurate for months until now. I just talked with one representative and two separate supervisors because I was getting different answers. At one point a supervisor named XXXX told me completely wrong information which escalated it to another supervisor who could only tell me that they would escalate it further for the technical team to look at this continues to be the roundabout I get every time I try to work with Chime, and nothing gets fixed. 

I expressed to chime in their XXXX. How negative this feels against the consumer when me, the consumer did nothing for the negative impact. There is no reason I shouldve dropped from XXXX to XXXX XXXX and there is no reason my estimated earnings should be lower than they ever have been when I am having more deposited into my Chime account then before. I understand there are guidelines for the product, and I have read through all of them and I can not find one that I have broken in order to cause this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX failed to properly investigate previous disputes regarding a derogatory ( Bankruptcy ) public record that they are reporting, and refuses to re-investigate.

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 2023-06-28
Company: FIRST FINANCIAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a letter stating my account was restricted because of unusual activity and to protect me from unauthorized transaction the bank is first financial the date on the letter is XX/XX/23 then I received a alert that this account was closed on XX/XX/23 not to mention first financial ran a hard inquiry on my credit That was not authorized

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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Chase Bank repeatedly calls my OLD place of employment and have been told MANY times to STOP calling as I am no longer employed by that company and the fact that it is the front desk of a busy XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: FL
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 find it VERY strange that despite all the activities that took place on my credit report between XX/XX/2023 my FICO XXXX Score has remained the same and never changed. Since XX/XX/2023 to now XX/XX/2023 my FICOXXXX score have been XXXX. During that period I had a paid off auto loan, obtain a new mortgage loan, new credit card, paid off card balances, fluctuation on my credit limit utilization, Limit increases, limit decreases- yet my mortgage FICOXXXX  score remained unchanged at XXXX. All my other EXPERIAN FICO models have fluctuate except for my mortgage FICOXXXX. MY FICOXXXX is XXXX. 
Is there a glitch in your system thats causing this. It makes no sense that my FICOXXXX  remains unchanged for 7 months despite of all these activities.

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 2023-06-28
Company: VYSTAR CREDIT UNION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX  and XX/XX/XXXX  I went to Vystar Credit Union in XXXX, FL to cash checks written on that bank. I have cashed checks there before with no problem except for these dates. 

I was asked for my dl and another form of ID which I provided. Then I was asked to provide my SS # and phone # which I did. 

The cashier then proceeded to write my address, SS #, DL #, and phone # on the back of the CHECK. Other times the cashier wrote the info on a sticky note and gave it back to me after the transaction. 

When I asked why this was done I was told I could cash the check at my bank. With all the concerns of identity theft I dont understand why this is done.

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 2023-01-24
Company: EQUIFAX, INC.
State: AZ
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:
Hello i have been calling and sending in letters to the credit bureaus XXXX, Equifax, and XXXX. about wrongful information being reported on my credit report. some of these accounts are not mine and some of them are reporting wrong. the last time i have sent in letters is XX/XX/22 and still no response. I have tried calling but i feel im being ignored and this is causing a hardship on me and building my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Medical Data Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It has been more than 6 years since I was at the hospital. The hospital never billed my insurance. SO, the statute to collect has ended. 

XXXX XXXX XXXX XXXX Balance history XX/XX/2023 XXXX 2023 XX/XX/2023 XX/XX/2023 Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: Bridgecrest Acceptance Corporation
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Good afternoon, I have a car loan with Bridgecrest that I have been paying off for the last 5 years. I'm currently at the end of that loan, and I have a new job. I've been requesting a " Due Date '', change of payment since XXXX. Every two weeks, I have to call and pay my bill along with the late fees, and request a new " Change of Payment Date ''. I have called several times to request a change of payment. The customer service doesn't seem knowledgeable, and the manager isn't reviewing the request. I feel like they are doing it on purpose to collect late fee 's and It's casing anxiety and sleepless nights!

Care note : {$220.00} Every two weeks plus card and late fees! 

I called their customer service department on XX/XX/2022 around XXXX pm and spoke with an agent and didn't get anywhere. I asked the agent if they were going to mail me the title after the car was paid off, and said he wasn't for sure if they had the title! 

That really got me upset, and I have lost faith in them. 

Bridgecrest website FAQ : I paid my vehicle off, when will my title be released?

Please call Bridgecrest Customer Service at XXXX for an update on your title release.https : //myaccount.bridgecrest.com/AdviceCenter. 

1. Can they submit and correct my due date change?

2. Once the car is paid off, will they mail me a paper copy of my title, like XXXX, customer service, and their website states? Will it have a tracking number?

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 2020-01-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I registered an account with Synchrony Bank ( Bank ) for the Synchrony Home card. Upon registration, I was offered the option to enroll in E-statements, and if I chose to, I was subject to the Bank 's " terms and conditions. '' There is no link or other access on the Bank 's account registration page to those afrementioned terms and conditions. I believe that consumers have the right to access those terms and conditions before finalizing registration and therefore making a decision whether or not to enroll in estatements. I am submitting a complaint based on this lack of information available to the consumer during the online registration process.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: VA
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:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX  XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: TN
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:
This is my SECOND TIME REPORTING THIS ISSUE FROM EXPERIANXXXX XXXX XXXX XXXX. I KEEP GETTING DENIED CREDIT BECAUSE THIS AGENCY WILL NOT DELETE THE " SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH, LACK OF RECENT REVOLVING ACCOUNT INFORMATION, LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION. '' MY BANKRUTCY WAS DISCHARGED OVER 2 YEARS AGO AND EACH TIME I APPLY FOR CREDIT, I'M DENIED AND IT'S ALWAYS EXPERIAN AGENCY THAT HAS THIS INFORMATION OF BAD CREDIT AND LOW CREDIT SCORES! THIS AGENCY WILL NOT ANSWER THE PHONES, THEY WILL NOT MAIL CREDIT REPORTS, AND THEY WILL NOT CORRECT MY CREDIT INFORMATION. I WANT TO SUE THEM AND THIS BOGUS FEDERAL AGENCY WHO WILL NOT ACT AND DISCIPLINE THIS BOGUS EXPERIAN AGENCY! I'M ASKING CONSUMER FINANCE TO HELP ME IN GETTING THIS INFORMATION CORRECTED ONCE AND FOR ALL! PLEASE REMOVE ALL OLD ADDRESS, NAMES AND PHONE NUMBERS FROM MY CREDIT REPORT, I WANT THIS CREDIT AGENCY TO CORRECT MY CREDIT REPORT OR I'M GOING TO GET AN ATTORNEY!

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 2023-12-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation