BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I notified Chase JP Morgan Bank and made Bank representatives aware that a maintenance worker from the apartment complex XXXX XXXX located in Normal IL, I previously resided at entered my apartment unauthorized to do so, illegally and stole my debit card which is connected to my Chase Checking and Savings Account. 

A Chase telephone representative assured me that my debit card would be cancelled and my account would be put on a freeze until a new debit card was issued via mail. I informed the representative to cancel my debit card and freeze my account, but not to send me another card because of fear it may be stolen again due to this apartment complex having illegal access to my apartment. 
The representative assured me my account would be frozen and debit card cancelled. 

Fast forward on XX/XX/XXXX, XX/XX/XXXX, and XXXX my personnal funds totaling {$20000.00} were stolen out of my Savings Account ending in XXXX and my entire Savings Account depleted to a XXXX balance. 

I immediately notified Chase Bank of what had occurred and questioned them on their negligent behavior in allowing this crime and scam to happen as the account and debit card was not cancelled and frozen as they assured me it would be. I have strong reason to believe the representatives working at the Chase Bank located in XXXX IL committed this act as I had to file a complaint against the Branch Manager. 

I was told to go to the branch where the crime took place and retrieve a print out of my bank statements in addition to a affidavit form to file the complaint and start the investigation process. 
After faxing the required paperwork to Chase personnel, bank representatives continued to play games. 

Upon notifying Chase each representative answering the recorded call gave me misleading information, played phone tag and acted oblivious to the incident of my account being illegally targeted and my funds being stolen. 

I have since filed another complaint and a second investigation with their Executive office, one of which they refuse to resolve this issue. 
It has now been 2 months of constant back and forth with this establishment. 

They will not refund my personnal money even after seeing that I am a victim of fraud and representatives continue to act as if nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: United PanAm Financial Corp.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with United Auto Credit on XX/XX/2019. A consumer credit transaction is a transaction in this a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I know the finance charge is the sum of all charges. United Auto Credit bill me for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Commerce Home Mortgage, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a refinance in late XX/XX/XXXX. Loan docs were signed XX/XX/XXXX. My first house payment was not due until XX/XX/XXXX. In XX/XX/XXXX I did not receive any payment notification stub. I received a voice message XX/XX/XXXX regarding my mortgage and to call the lender, which I did, on XX/XX/XXXX, to find out that I was speaking with a new mortgage company, XXXX XXXX, and my loan was sold XX/XX/XXXX. Because of late notice my first house payment due XX/XX/XXXX was waived and first payment would be XX/XX/XXXX. I received a letter from Commerce Home Mortgage, first mortgage lender that sold my loan, stating I owed {$7900.00}. I contacted the mortgage person, who helped me get my current refinance, on XXXXHe then texted that after speaking with the first mortgage lender that I need to pay the first payment of {$2600.00} that was due in XXXX. All this texting and documentation occurred XX/XX/XXXX and I was told that to wait until further word from the first mortgage lender. Today XX/XX/XXXX I received word to pay up the first month. The loan officer for Commerce Home Mortgage, XXXX XXXX, wanted overnight delivery ASAP. Because I want the harassment to stop I stated I would send out the payment on XXXX/XXXX/XXXX in the afternoon. 
I am being harassed for miscommunication between my first mortgage lender and my current mortgage lender. To rectify their mistake Commerce Home Mortgage is taking their mistake out on me. The only notification I ever received from them prior to the harassment was a letter of my loan being sold and that was dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
it was a company, XXXX that said i owed them for a product that was returned over 7 to 8 years ago. now they put my account im collections for XXXX for what they said i bought again. was not notified & XXXX wont remove from my account. never gave them my social or any info. dont owe this company not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to XXXX and TransUnion for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked XXXX and TransUnion for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like XXXX told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to XXXX  And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed

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 2018-09-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed the property is in The XXXX Of XXXX XXXX. I've requested a mortgage modification with Select Port Folio to bring the mortgage current. Select Port Foilo servicing is in possession of the documents they've requested to process my request. There is a property foreclosure sale set for XX/XX/2018. I don't want to loose the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I am a military spouse who accompanied my XXXX XXXX service member to our new duty station with our XXXX children. I updated my address to our current address and it indicated a fictitious fraud claim on my account. No phone call was made. No letter was sent. No email was sent. However I was blatantly lied to about having all three avenues apparently being taken by the company. Im unable to get ahold of anyone in the fraud department..been trying for over 4 days now. So there is over XXXX just sitting on a card that Im unable to use even though its rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have derogatory remarks on my credit report due to false information reported by collections which should be removed from my credit report pursuant to 15 U.S.C. 1681 ( b ) and Pursuant to 15 U.S.C. 1681 ( a ) ( 4 ) right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am making efforts to repay this high interest for a {$800.00} loan. They decline my previous offer for a {$50.00} monthly repayment schedule. I offer to pay {$50.00} per week effective XXXX XXXX, 2017. I am still searching for employment, a job offer has not been extended to me. If I get hired for a position at a financial institution, the job is scheduled to start Wednesday, XXXX XXXX, 2017. It appears that CashNetUSA is refusing to work with me. I have been unemployed for over 6 months. Until I can get a earlier start date, this is what I have to work with and to avoid bankruptcy proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2012 my account reflects 90 days past due XX/XX/2012 my account reflects 120 days past due This applies to both loans. My account was current and no past due as reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: First American Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
First American Payment posted XX/XX/XXXX that i owe {$2100.00} due to an early termantion fee from a leased credit card terminal from XXXX. My employer, XXXX   XXXX for XXXX XXXX XXXX ; Launched an investigation XX/XX/XXXX. 

I was hospitalized in XXXX of XXXX. 

Since the beginning of XXXX, i have cotacted them numerous times via phone to work out a payment plan that the XXXX insists I do. They promised to send via email. Has not sent anything to fwd to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XXXX Contact with first american payment was XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-03-14
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
During my 2009 XXXX and XXXX XXXX, the hospital ( XXXX ) asked that I pay $ XXXX/mo. I expressed at the time I was not working and couldn't afford $ XXXX/mo. I worked out a payment plan with the billing staff of $ XXXXmo and started paying immediately. Several weeks after the 6 weeks of XXXX and XXXX I received notification from XXXX XXXX XXXX ( previously a branch of XXXX ) that delinquent bills were forwarded them from XXXX for collections. I spoke with the XXXX billing staff repeatedly on the phone and over 5 times in person. The billing representatives acknowledged they were supposed to have culminated all of the incoming bills into the one assigned to me for payment. But stated the " rules '' didn't allow them to pull the billings back from collections even though it was an obvious mistake given the date of the payment plan commencement preceded the date of the collections. 
This XXXX person 's error decimated my 800+ credit rating down to the 600 's. And I've been struggling to bring it back up since.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
i have repeatedly via web requested for a credit report. every time i have been denied and told to call. i have called and sent requests and all are denied and will not allow me to get a copy of my my report. i am tired of it. i have answered every question and i know they have verified me cuz other credit report places have told me so and still they deny me. why?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

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 2018-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America Holding My Money Causing Non-Sufficient Funds On XX/XX/2018, I transferred {$3400.00} from my Bank of America ( BOA ) checking account # XXXX to my BOA Over Draft Protection Account # XXXX. ( See Exhibit 1 ).  This shows Payment Date XX/XX/2018 but not credited until XX/XX/2018. ( See Exhibit 2 ). BOA held or froze the {$3400.00} in my checking account and I was unable to use this money, causing 5 Non-Sufficient Fund ( NSF ) BOA charges totaling {$150.00}, plus having late charges with at least 1 of my creditors. ( See Exhibit 3and Exhibit 4 ). BOA Account Detail shows the money was taken XX/XX/2018 and not XX/XX/2018. ( See Exhibit 5 ). If this was the case, then the {$3400.00} in my checking account should have be availably to use and I would not have these NSF or Late Payments hurting my credit score.

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 2022-10-04
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that i made during the pandemic to be refunded to me. I made the initial call on XXXXI 've been told this is in process and I would be kept in the loop on the status of this request. By this Thursday ( XX/XX/2022 ), it will have been 6 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX Barclay sued me for an outstanding credit card balance of {$2500.00}. 00 that had went to collection. Through my attorney and Barclay 's attorney a settlement was made for me to settle the account by making monthly payments of {$96.00} until the settled amount of {$1300.00} was paid. I paid {$50.00} every 2 weeks until I made my final payment in XXXX of XXXX. I reviewed my XXXX of XXXX and noticed that the account had not been updated to reflect the current status. In fact the agreed upon settled amount was showing as the balance owed. The error is causing my credit utilization to be miscalculated. I disputed the account with the credit reporting agencies on XX/XX/XXXX. The dispute came back verified. I believe Barclay did not report this account status in a timely fashion and as of today XX/XX/XXXX. The account status remains incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I informed them that the debt wasnt mine and to provide evidence they didnt and now its showing on my credit report and thats a violation I order it to be deleted off my credit report unless yall have the original documents showing that its really me. All three credit agencies I am excising my rights under the Fcra section 609 to request information regarding the source of the information which is the original contract thats contains my signature and my identification which is date of birth and ssn from the debt collector Franklin collections of the information cant be provided please delete this off my credit reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: CITIBANK, N.A.
State: NY
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:
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX Date : XX/XX/2016

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 2021-04-08
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: Account status incorrect

Complaint:
Starting XX/XX/2020 I received a 30 day late payment & in XXXX a 60 day late payment on my credit report from XXXX XXXX XXXX in regard to a CD account I had with them.

I spoke to a rep named XXXX  who let me know that my primary card payment failed in XXXX, the computer tried my secondary payment method which went thru successfully but they had turned auto-pay off. Which then resulted in the 30 & 60 day late payment on my report. 

I spoke to the dispute department @ XXXX XXXX to see what I can do to remove the late payment reporting, in an email they responded there was nothing they can do about it because they're job to report accurate information.

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 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have filed multiple disputes with Transunion in the past for the following accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXX On XX/XX/XXXX I sent a method of verification letter to Transunion via certified letter, and on XX/XX/XXXX that letter was delivered. It has been past fifteen days and I have not received any information verifying these accounts. I am interested in their verification methods for many reasons. For instance, I have filed multiple complaints thru Consumer Financial Protection Bureau and each time I receive a response stating that XXXX XXXX XXXX did not respond to the complaint. I also have tried to contact them myself. I have not been able to talk to anyone about the account. Also, they allowed XXXX XXXX Loans to make three changes to my report within a ten day time period.

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