BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After sending a dispute to Transunion with proper identification ( see enclosed doc 1 ) information they sent a request ( see enclosed doc 2 ) for additional information that was already submitted. This violates the FCRA regulation that they have 30 days to investigate my concerns. This request is a commonly used delay tactic. According to the FCRA the following items should be immediately deleted : INQUIRIES XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized

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 2015-10-26
Company: AES/PHEAA
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received correspondence from XXXX XXXX XXXX on XX/XX/XXXX stating that I need to fill out a form of interrogatories. It is in regards to a debt that I won a judgment on XX/XX/XXXX. I was the defendant in the case and there was a judgment for the defendant entered. the plaintiff filed a civil appeal that I never received any notice of the appeal. XXXX is trying to collect on an invalid debt by representing and threatening to take legal action on the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: JPMORGAN CHASE & CO.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I tried to pay an account via online banking through her Chase checkings account. In the Payee dropdown, I accidentally selected an old XXXX XXXX XXXX credit card account that has been closed for 7 years and sent an amount for {$500.00}. On XX/XX/XXXX, Chase initially opened up a claim and indicated that they would refund within 3-5 business days. However, this did not happen at all in which I called back on XX/XX/XXXX, where XXXX XXXX XXXX stated that they need proof of payment faxed to them and they provided a fax number of where to send it. On the same day, I called Chase back with the fax number for them to send the letter, which they advised would take about 3 business days to complete. She talked to a person named XXXX  and she provided Reference # XXXX. On XX/XX/XXXX, a letter was sent by Chase indicating that the inquiry has been resolved. This led to me thinking that the money would be refunded, but that was not the case. I called Chase again on XX/XX/XXXX. I discovered from Chase that the " resolution '' was simply sending the fax over to XXXX XXXX XXXX, and not a refund. On XX/XX/XXXX ( the same day ), I called XXXX XXXX XXXX   indicating that Chase sent the fax. XXXX XXXX XXXX stated that they can not locate the funds and would need the account number and trace number from Chase. On the same day, I called Chase to acquire the account number and trace number. With that information, I called XXXX XXXX XXXX again and provided the account number and trace number to locate the funds. XXXX XXXX XXXX was able to identify and track down the funds, but stated that since the money was applied to an account that did not belong to me, theyll need a misapplied payment letter from Chase requesting a refund. I called Chase to ask for that letter, but the manager at Chase said they no longer do that anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX and had XXXX insurance through the XXXX XXXX XXXX through the end of XX/XX/XXXX due to my husband and the city decided to part ways due to complicated issues / employment. He was not terminated.

The insurance through the XXXX XXXX XXXX was supposed to pay the pre-approved XXXX billing in full however did not pay XXXX.

I told Knight Adjustment Bureau about the insurance issue however they insisted that wasn't their problem and I owed the debt they were collecting on behalf of XXXX XXXX.

In XX/XX/XXXX I was finished arguing with the collector and paid the XXXX plus a XXXX processing fee. During that phone call I was told I would receive a letter that showed the account was paid in full and also reassured that THE MEDICAL DEBT WOULD BE DELETED FROM MY CREDIT REPORT.

They stated it would take up to 30-60 days from the payment processing on XX/XX/XXXX. I called at the XX/XX/XXXX and they now stated that I had to dispute the medical debt through each of the credit bureaus for it to be removed.

I completed this and was declined when the credit bureaus reached out to Knight Adjustment to remove the medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I discovered a collection account in my XXXX and XXXX report, from XXXX XXXX XXXX ; the original creditor is XXXX XXXX XXXX. I disputed the account on my XXXX and XXXX personal credit report, but never received answer or results of their investigations.

I called to the collection agency to ask the reason of this bill, I was in shock because I always pay in time my insurance bill directly to the insurance broker office, during the call they tried to collect a {$330.00}, I asked for details of the bill because is any reason of this debt.

They told me this collection is for a insurance coverage of XX/XX/XXXX on my 3 cars, I told them that is not possible because during XX/XX/XXXX I had a insurance policy with another insurance company -XXXX XXXX XXXX XXXX- ( see the attachment ), I told them my broker cancelled the XXXX XXXX XXXX in time.

The representative told me that if I send out a fax to them with proof of my XXXX XXXX XXXX XXXX policy and if the policy period match with the unpaid bill, they will cancel the bill and remove from my credit reports. I faxed to the XXXX the proof they requested ( see the attachment ) and then I wait for 2 weeks.

After two weeks I checked my XXXX credit report because the collection account most be deleted, but the account was there in my report, so I called again to the collection agency to follow up. They told me their client made a balance adjustment because they review my fax and they changed the balance to {$290.00}, I asked the reason of the bill and the representative told me she just can disclose the insurance policy is for XX/XX/XXXX and her client ( XXXX XXXX XXXX ) sent to my mailing address a validation letter of this debt on XX/XX/XXXX, but at this time I haven't receive yet.

This is an illegal practice of the Insurance company to try collect double insurance bill.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. Please UPDATE the account listed below : XXXX XXXX XXXX Balance : {$0.00}

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 2018-08-03
Company: Kansas Counselors, Inc.
State: MO
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:
My XXXX  and XXXX  credit report indicates two collection accounts that are not mine. Accounts XXXX an XXXX. 

The collection account belong to Kansas Counselors. The original creditor is XXXX XXXX Hospital. My son who is older than XXXX and shares the same name as me, is responsible for these accounts. 

I talked with XXXX XXXX Hospital and they agree I do not own the accounts or even have an account with them. I talk with Kansas Counselors who has in there records the two accounts incorrectly associated with my social security number. 

I emailed Kansas Counselors twice to ask them to confirm their information with XXXX XXXX Hospital. 

I submitted three XXXX  disputes and one XXXX  dispute ( so far ). Each time they say Kansas Counselors has confirmed the accounts belong to me. 

This is so frustrating. Kansas Counselors has done this to me in the past yeas, but then I got it removed after several disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ), XXXX, the lender, erroneously reported to EQUIFAX, XXXX, and XXXX  that my automobile debt was included in a Chapter XXXX ( included in Wage Earning Plan ). This is incorrect and, unless they can show evidence to the contrary directly from the Court of Jurisdiction, they must ask all three credit bureaus to retract this information. The debt in question was NOT part of a Chapter XXXX filing and was paid in full as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have declined overdraft protection on my account.

I have notified the bank verbally, in writing and on the website that I do not authorize overdraft protection on my account.

Chase bank continues to accept charges to my account and charge a ridiculous overdraft fee of {$34.00}.

On XX/XX/XXXX i was charged two {$34.00} insufficient fund fees for transactions in the amount of {$8.00} and {$88.00}.

The bank even put the transactions in such an order that the {$88.00} caused the {$8.00} to also overdraft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a Capital One credit card under my name and charged { {$3400.00} } in  which I discovered within my credit reports. I do not have any credit card accounts with Capital One. I disputed it with the credit bureaus and also contacted capital one VARIOUS times informing them that I had file an identity theft report with the FTC. I have been disputing this with them since XX/XX/2018. This prompted capital one to finally respond to me stating that they don't feel that I suffered and identity theft and do not feel that the account was opened fraudulently therefore they would not take any action. They have repeatedly sent me the same verbatim notice and they have done nothing in the matter except ignore me.The credit bureaus have responded to me and they have issued a fraud alert and freeze on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-10
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage company, SLS, is denying me the opportunity to short sell my rental home in XXXX, TN. I received a foreclosure notice on XXXX XXXX, from their attorney, XXXX XXXX XXXX, giving me only XXXX business days to request a short sale. I called SLS, and they stated that their policy was to only accept short sale applications if they were submitted with at least XXXX calendar days to process the application. This is an injustice and I ask HUD to intervene on my behalf to allow me to have adequate time to short sell my property. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Applied for a credit card with Bank of America on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from XXXX that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my XXXX  report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or Bank of America had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID 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 2018-08-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
inaccurate information no knowledge of accounts reported through FTC identity theft and PO report, violation of FTC and CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.

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 2019-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Portfolio Recovery associates attempted to collect a debt that was allegedly transferred from XXXX XXXX XXXX. 

I filed for Arbitration with XXXX XXXX as permitted in the contract. 

Portfolio Recovery failed to pay the fees to initiate Arbitration. 

This is a severe violation of my rights. Including FDCPA, FCRA, and breach of contract. 

They continue to report this account to XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in a mortgage modification with the criminal company Wells Fargo, the terms of which was fraudulently represented to me, and have tried every remedy to change the situation, to the detriment of my physical, mental and financial health. The most recent indignity was the shocking experience was to find out that the complaint to their executive offices ( with a reference # ) which was mysteriously withdrawn for no reason. The rep helping me today was genuinely shocked and in and promised to escalate a new complaint. 

I am being stonewalled at every attempt to resolve this, by paying off or paying down or refinancing at a lower interest rate that I deserve due to my good credit and payment history, but get runarounds, form letters and some erroneous correspondence that has nothing to do with my inquiries or concerns. 

My paperwork is very organized when you need more details and figures. 
I have contacted lawyers, legal aid, bar association, etc. Our local town affordable housing rep has been of no help though I have made her aware of situation. I refuse to be taken advantage of any more.

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 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.

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 2019-02-26
Company: N.A.R., Inc.
State: UT
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:
North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
CHASE BANK, JP MORGAM CHASE BANK, HAS ALLOEW MY HUSBAND  TO MOVE FUND FROM OUR JOINT ACCOUNT TO HIS OWN ACCOUNT IN SAME BANK, MY ATTORNEY AS SUBPOENA THEM, .ORIGINAL AMOUNT WAS $ XXXXHE MOVED $ XXXX.then moved {$70000.00} to another bank durind a divorce.the first move was onXXXX.im not sure whenthe second move happened.please help me as i can no longer afford attorneys.i need to know my rights, and what responsibility CHASE BANK has in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I borrowed money to pay for my XXXX XXXX  Degree and graduated in XX/XX/2009. I began paying on said loan at that time and have since. My balance still shows that I owe the same amount that I owed back in XX/XX/2009. Navient is the managing entity and always has been. Once - I was placed on payment deferment without my request or permission just because I was taking a class to advance my employment that I was paying for myself. I wish to know what my rights are and what actions I can take.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation