BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The first inquiry in question was apparently made by JPMCB CARD on XX/XX/2018 and I have no recollection of doing any business with JPMCB CARD. I contacted JPMCB CARD, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 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 2019-03-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Navy Federal Credit Union ( NFCU ), XXXX XXXX XXXX, XXXX VA XXXX, XXXX. 

Complete Failure to " Gross Up '' Non-Taxable Income for VA Loans/XXXX Veterans. 

Because NFCU does not " Gross Up '' XXXX Veterans ' XXXX and Compensation, or Veterans ' Social Security XXXX, payments, etc. ; A XXXX veteran is being so discriminated against via a very visible and DISPARATE IMPACT. 

Lenders gross monthly income, ( very typically, 10-20 %, ) when determining what type of mortgage a veteran can afford, checking major, monthly debts in relation to " Pre-Tax Income. '' When such " grossing up '' is not done on " non-taxable income, or payments, money, '' this so obviously/visibly creates a FINANCIAL DIS-ADVANTAGE for a would-be buyer/veteran, who receives such non-taxable money/payments/income. VA allows lenders to adjust veteran-borrowers ' non-taxable income, upwards, creating a " Pre-Tax Gross Figure '' ; For Example : A veteran ( like myself ) receives XXXX and compensation at the 100 % rate -- {$3000.00}, from the VA ; my social security XXXX from SSA is {$1200.00} -- all, non-taxable -- or, my " NET PAY, '' versus a gross pay. In other words, more than likely, for Any Worker earning a " net pay of {$4300.00}, monthly, '' such worker would have to earn -- perhaps, several hundred dollars more ( $ XXXX $ XXXX ), considering " Income Taxes, and Social Security Taxes, and even other deductions .... '' It is very important/imperative that such " grossing up '' transpires when determining DTI-Ratio, or, more specifically, keeping such debt-to-income-ratio below the VA 's 41 % guidelines ..., which, so very obviously, will help a XXXX veteran to obtain/maintain/retain a loan, at least, EQUAL TO -- if not, GREATER THAN another or even some other, person, who does not receive non-taxable income. 

Lastly, I am speaking directly from Past Experience : As, a commercial bank ONCE approved me for a much higher VA Home Loan than NFCU. Because, NFCU failed, so fantastically, to " Gross Up '' my " Net Income -- VA XXXX and Compensation and even SS XXXX, money/payments/income. '' Whereas, the commercial bank did indeed " Gross It Up. '' Thereby, NOT discriminating against me because of such, disability/payments, and, so very UN-LIKE NFCU ; which, TODAY, is STILL discriminating against XXXX veterans .... IT MUST STOP/END IMMEDIATELY ...! AND, I DO MEAN END/STOP IMMEDIATELY ...! 
Or, maybe, Congressional Oversight or a Congressional Complaint is so warranted, regarding this very imperative/important COMPLAINT -- WRONG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I did schedule with my XXXX credit card a payment of {$300.00} on XXXX XXXX ONLY ONE TIME. When my XXXX credit card withdrew {$300.00} from my bank, I didn't have enough funds on my account so Bank of America returned {$300.00} and also charged my {$35.00} overdraft fee which is fare and I agree to it. But then my bank suddenly let my credit card charge my account {$300.00} SECOND time and again returned this amount back which cost me ANOTHER {$35.00} overdraft fee which I don't agree to pay to my back because I haven't schedule it twice. It is absolutely not my fault that my bank let my credit card charge them twice instead of only one time and I'm not responsible for paying double overdraft fee for the same transaction of {$300.00}. If my bank does this manipulation without my permission, then it shouldn't charge two times. I explained it all to an agent of Bank of America but, AS ALWAYS, they can't help which is why I have to write my complain here. Thank you for reading it.

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 2019-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company double charged me for one month in XXXX when they bought the loan from XXXX XXXX. Even though I have been writing them and calling them about the error they denied my claim. In addition they are charging me very high penalties every month and they are increasing their penalties every month. I have paid thousands of dollars in unfair usuary penalties but making my payment. The latest one you can see shows {$310.00} in fines on a {$670.00} mortgage. I need someone to intervene and see about getting back some of these unfair fines. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Harley Davidson Financial Services Inc
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Due to financial hardship fell behind payments Kept calling more than 5+ times per day even after telling them To stop calling me Never stopped while at work while trying to rest on my days off it was very upsetting and felt threatened Also MY NAME IS WRONG ON THE FILE My name is XXXX, XXXX XXXX THE FILE IT SATAES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: NCB Management Services Inc.
State: TX
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:
NCB Management Services Inc. agree to remove the collection item from credit report after negotiated payment was sent. 

its been almost 30days and collection items are still on my credit report i have letter stating that they will remove it what we agreed on and i also have proof of bank statement with payment has been sent. 

i am not sure what to do at this point and i really need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and there is no third party involved in the process. This complaint is for false reporting of misleading 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 non-monetary relief
Consumer complaint received 2019-05-01
Company: Bread Financial Holdings, Inc.
State: TX
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:
XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge fraudulent accounts on my Experian credit report. XXXX ID Theft Report # 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 2017-11-24
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
The Citi HELOC is the 2nd lien holder on this file. We are trying to get short sale approval from Citi. 

On XX/XX/XXXX, XXXX XXXX, the 1st lien holder, issued short sale approval but we can not close until we have the Citi HELOC approval. Citi has been difficult if not impossible to work with. I have spoken with Citi many times, and I am Authorized on the account, but I just tried calling again today, and Citi told me there is no authorization on file for me. I have sent my authorization to Citi on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have been working with a Citi Single Point of Contact, who would not work with me unless he had my Authorization on file.
In order to get Citi short sale approval, they need the property value. I was told that a BPO/Appraisal was ordered on XX/XX/XXXX, then when I called on XX/XX/XXXX, I was told it was re-ordered. Today I received an email from Citi asking me to let you know when the Evaluation has been ordered. 

We do not want this property to foreclose and we are at risk of losing our buyer. Would you please assist us?

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 2019-05-01
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I held one particular XXXX XXXX account since XXXX, that has a {$30000.00} credit limit. In approximately XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XXXX/XXXX. for XXXX XXXX, XXXX could not find that account at all. At that time, XXXX XXXX cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, XXXX XXXX began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact XXXX XXXX but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to XXXX XXXX to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Rent Recovery Solutions
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, 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:
This is my XXXX XXXX complaint with Equifax to verify XXXX Account XXXX. 
On XX/XX/XXXX Equifax sends by mail my report # XXXX. 
Equifax states XXXX account is accurate. 
Date Reported : XX/XX/XXXX, Balance : XXXX, Amount Past Due : XXXX / Date of Last Payment : XX/XX/XXXX. / Date of Last Delinquency XX/XX/XXXX / Date Closed : XX/XX/XXXX For the record, I have never made any such payment on XX/XX/XXXX I am requesting Equifax and XXXX to provide PROOF of such payment I have supposedly made to XXXX. I want to see a cashed check or any such payment supposedly I have made. 
Facts, I have XXXX XX/XX/XXXX Bank Statement in which I can send Notarized by XXXX XXXX  that shows I made no such Payment to XXXX on XX/XX/XXXX. 
Facts, Equifax is NOT accuarely verifying any information with Creditor XXXX. 
Facts, Equifax is breaking the Law. 
Facts, The XXXX Account reported is inaccurate and has hurt me Financially and unable to buy a house. 
XXXX account Paid On Time XX/XX/XXXX and Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: EQUIFAX, INC.
State: CA
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 RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: LEXISNEXIS
State: WI
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 documentation to back up my complaints as outlined below : My auto insurance rate increased and was based on a credit score from Lexis Nexis. The insurance policy provided a website of XXXX to obtain the LexisNexis credit report per my legal rights. I went to the website on XX/XX/XXXX and requested the report using their online form. ( I have a time stamped screenshot showing that my request was received ) I received a letter in the mail from LexisNexis on XX/XX/XXXX. The letter was dated XX/XX/XXXX, but not postmarked until XX/XX/XXXX. The letter stated that they could not verify my identity based on the online form, and in addition to the letter, there was a form to complete with the additional information they required to obtain the report. The form was to be accompanied with a picture of my id which could serve as both proof of id and proof of address, and the letter stated that this form could be emailed to XXXX or mailed to the address provided, but it came with no postage paid envelope. 

I opted to email the information to the email address on the form, so I completed the form and scanned it to the email address listed above along with a copy of my id on XX/XX/XXXX. Response from LexisNexis on XX/XX/XXXX was to provide my mailing address despite this appearing on my id and on the form I emailed on the 15th. I responded on XX/XX/XXXX with my address. They responded on XX/XX/XXXX by requesting my id. On XX/XX/XXXX I responded that I had already sent them my ID on the 15th and they replied that I should send it again to the email address of XXXX with the subject heading of my consumer ID ( which they provided ). 

I sent a copy of my id to that email address on XX/XX/XXXX, and got an automated reply that my email was received. On XX/XX/XXXX I emailed again requesting information and told them I would be filing a complaint. There was no response from them on this. I replied today, XX/XX/XXXX by again sending the request form, my id and a property tax bill since they indicated that an ID was not enough to prove mailing address despite an alternate message in the original letter they mailed to me, and I have not received a response yet. It is now 14 days since my initial request for my personal information. The last four of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a fixed loan at BankAmerica I just received notice that my application was denied do to that fact that I bought a property during the process. I disclosed such to the bank. 

I have a credit score of XXXX. Network {$7.00} XXXX. Been with the bank for over 50 years. 

Have an existing HELOC with the bank of $ XXXX, with a drawdown of $ XXXX. I was attempting to close this with the fixed loan. 

I can only surmise I was denied due to age discrimation. I am 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 monetary relief
Consumer complaint received 2019-09-20
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:
Transunion is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX/XXXX  Inquiry from XX/XX/2019 XXXX/XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019

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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. DTEDXXXX XXXX {$5500.00} DTEDXXXX XXXX {$0.00} DTEDXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$4500.00} XXXX XXXX {$0.00} XXXX XXXX {$3000.00} XXXX XXXX {$80000.00} XXXX  XXXX {$80000.00} CHAPTER XXXX BANKRUPTCYDISMISSED XXXX CHAPTER XXXX BANKRUPTCYXXXX

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 2019-09-20
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX   saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes

Company response to consumer: Closed with explanation