BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021, I worked with a loan officer at JP Morgan and received a loan estimate of 2.625 % rate that was a match from XXXXXXXX XXXX. This was a rate with no points as confirmed by email and forwarded to XXXX broker. She confirmed they could match the rate because I was Chase Private Client and wanted me to stay with the bank. She mentioned that there was no issue with this and needed to confirm with her manager. 2 days later on XX/XX/2021, I received a call indicating that rate was not approved. They could offer me a rate of 3 % instead and asked that if I wanted the lower rate, I needed to transfer more money than the $ XXXX I already had with JPM. In the mean time, I lost the ability to lock the 2.625 % rate with XXXX XXXX  and ultimately was not able to get the rate I was quoted days before. 

This is not only infuriating but actually costs me money in the amount of $ XXXX over the life of the loan. This is incredible that the protection agency has not advocated to stop this practice. It should not take 2 days to lock a rate and if quoted a rate, this should be honored and provided in writing. There is no way for consumers to get shop if those rates take days to lock in and then they do not get approved. I lost the ability to lock in my rate with other lenders because of a direct lie from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. 
NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ).

I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX has violated my rights serval different times and ways. I am a victim of identity theft. I have sent in and reported serval times to XXXX  and have asked for them to validate the date with proper proof of debt and they have totally disregarded. 
I have used the 605b of the FCRA to report identity theft with police reports and ftc reports and the do not honor and when they did block and remove they further violated FCRA 611 ( a ) ( 5 ) ( B ) by placing back on my credit file without giving me notice in the 5 business days allowed by the fcra the accounts are XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My bank has informed me that there is negative information reported by TD Bank included in the file XXXX  maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a " ACCOUNT ABUSE '' in XX/XX/2018. 
I do not recall having an account from this bank in 2018. 
Please validate this information with TD Bank and provide me with copies of any documentation associated with this " checking account '' bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have recently received repeat calls from XXXX regarding an account. I have never did had or requested an account with XXXX. I refused to give the caller any of my information. I then started to receive calls from Florida. Today I received a catalog for camera and photo supply at my home today, so i decided to run my XXXX credit report. I use the XXXX free report. I noticed there appeared to be an attempt to get a JC Penny card closed XXXX years ago reported as stolen last month. I have not had any business with the credit department of JC Penny so many years I can not remember. I believe sone XXXX is attempting to steal my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
I started a new job with Sam 's Club ( XXXX XXXX, XXXX, MI ). During orientation we were told that as new employees we were given a free basic membership but we at the same time we were being encouraged to open a more advanced Membership called a PLUS Membership for an additional fee of a deduction of {$2.00} taken out of our pay every week. We were also encouraged to open a Master Card Membership which would again offer cash back rewards for using this card. Since I 'm looking to rebuild my credit score, I had lost who lost not only my job but also my home of 24 years in a robo signing here in Michigan. I had a credit score of XXXX when I was forced into bankruptcy protection back in 2010. Up until I applied for this Sam 's Master card I have never been denied for a credit card. And this time not only was I denied a Sam 's Credit card approval, but they in turn automatically gave me a personal line of credit for {$1200.00}. I was shocked and said, " no thank you '' to this line of credit. The response back to me what that it was automatically done, that the line of credit had already gone through and that I 'd be receiving a credit card along with an explanation as to why I was denied the Master Card. When I repeated that I did not want the line of credit and said I think I was SLAMMED with a credit card and I think this is a problem. I explained that if I cancelled that line of credit that it would go against my credit rating.The person at the Sam 's Club Membership Desk stepped back, held her hands out, palms facing me, XXXX fingers spread, as if to say hey lady! and continued to say " it 's not me, it Synchrony Bank, the creditor. ''

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 2018-08-08
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THE ACCOUNTS ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XXXX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have loans from 3 different colleges I graduated from while working in XXXX XXXX  for the last 15 years and have applied for low payments and loans forgiveness working in XXXX XXXX XXXX. Each time Ive applied and sent in paperwork they claim nothing is on record and my loans have more than doubled due to interest. There was a time our XXXX  reduced my pay by XXXX one year and then I was laid off for 3 years as an administrator and all I could find was substitute work. Navient still did not reduce my payments, forgive any of my loans and impacted my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX {$1600.00} XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$28000.00}

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 explanation
Consumer complaint received 2019-01-09
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: Public record information inaccurate

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed Equifax, XXXX XXXX and XXXX  showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX County records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX County records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I  look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied 3 times to have our mortgage modified with Wells Fargo and were rejected all 3 times and subsequently lost our home to foreclosure and were forcefully evicted in XX/XX/2016. We have hired legal representation regarding this but would like Wells Fargo to contact us directly regarding these matters.

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 2020-06-22
Company: CNG FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Payday loan was taken out in XXXX. in XXXX was contacted by a debt collector and made a settlement payment of XXXX dollars on the original loan amount of XXXX. received a letter stating it was settled and closed. in XX/XX/XXXX I received a Notice to XXXX XXXX  account, I was positive I paid it but was unable to locate paperwork. I had just been laid off and could not change a levy so I called and made a settlement payment of XXXX. After the payment was made my wife received a letter to XXXX and she located the original payment of XXXX. We attempted to contact the original creditor and they can not locate the account, we have called the collector from XXXX and # 's are no longer active, we called the creditor that sent the XXXX notice and have not gotten any were to get my money back or stop any levy actions, we have left several vm messages with no return communication. Debt was paid and cleared in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
An inquiry appears on my XXXX Credit Report that I did not authorize. XXXX XXXX XXXX refused to remove the inquiry on XXXX-2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion had several items incorrect on my credit report. There were 3 additional names that were not my own that were on my report, including several additional addresses, phone numbers, and accounts put in collection. Incorrect date of birth, incorrect employment data, and incorrect supplemental information. In addition they showed a high amount of hard inquiries on my credit report. None of this incorrect information is on credit reports through the other agencies. I've opened disputes in regards to the collections accounts and had Transunion remove the names, addresses, and phone numbers that do not belong to me. They said they could not help with the inquiries despite them being incorrectly listed. I feel that my credit standing has been negatively impacted and should be repaired accordingly due to the mistakes by Transunion. The 2 other credit reporting agencies do not have any of the incorrect information on my credit report so this issue is limited to Transunion. The incorrect data that I am aware of on the credit report has been highlighted and attached.

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 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2020-06-22
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was trying to open a brokerage account and i tried to link my pnc account to that account to fund it and was told there i can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX RE : XXXX Complaint against Macy 's Hello, I did not appreciate CFPB closing this complaint before I was done. 
I am paying Macy 's although I do not owe the money. They are a huge company and very aggressively attacking me. How can I pay a dept that, first, I do not believe is mine, and second, they will not send me a statement! 

When I called Macy 's I was told I had a balance of {$160.00}. I sent payments equaling {$170.00}. I received a letter from XXXX XXXX, from Macy 's, dated XX/XX/XXXX saying I still owed {$56.00} and about 20 pages from when I had an account back in XXXX. All useless. 

I am paying the {$56.00}. NOT because I owe it, but to get rid of them. 

I want to thank CFPB for getting this to the point of resolution. Macy 's ignored me, refused to email me using my new email address, refused to mail a statement to my physical address, which they have. 

It took CFPB to get to the right address and person. Although the outcome gives Macy 's {$56.00} it is a small amount to pay to have Macy 's leave me be. 

Thank you so very much.

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 2020-07-01
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: Account information incorrect

Complaint:
Made a dispute with credit bureau in regards to inaccurate accounts. Credit bureau sent a letter stating the disputed accounts were " verified. '' However these accounts are not reporting correctly so im confused how they are verified while being incorrect. I then sent a letter to the bureau asking for documents contained in the investigation based on FCRA 611 ( A ) ( 7 ). As of today XX/XX/2020 I have not received info about the report and incorrect items still remain. The bureau is not following E-Oscar and Metro 2 compliance protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Upon checking my credit report in XX/XX/2017, I noticed there was an error in status on one of my accounts. XXXX indicated I had an open collection account. This account is paid in full. I sent a letter to them asking for a correction in status. I received a response indicating the account changed to paid collection. According to my current credit report, this was not done. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not making this correction in a timely manner they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. At that time I decided to try going through Equifax to get this updated and on XX/XX/2017 I sent Equifax a letter asking for validation and proof of my open collection. Equifax sent an automated response indicating the account had been verified?!? This is either a blatant lie by XXXX and/or Equifax, or extremely negligent reporting. Either way, I now want this account completely removed from all 3 of my  credit reports.

Company response to consumer: Closed with explanation