BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase offer {$10.00} credit for eligible credit card for purchases made through XXXX app. Eligible purchases were made in XXXX and XXXX credited properly. However, purchases made in the app on XXXX and XX/XX/21 show up as " XXXX ''. Phone calls were made to XXXX and Chase and both refuse to correct the technical issue. Chase refused to accept proof ( receipts ) that purchases were made in app and gave a boilerplate response that purchases made on other websites are not eligible. These purchases were not made on other website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
A collection agency named XXXX is reporting that I have an outstanding balance owed to XXXX XXXX XXXX for {$2000.00}. This is completely wrong. I have disputed this balance with the three credit bureaus multiple times, but they continue to report an incorrect  balance. I am attaching my final settlement sheet from XXXX XXXX XXXX, from when I moved out, and my balance was only {$470.00}. So either the apartment community or the collection agency is trying to extort money from me that is not owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My husband and I live in our home XXXX XXXX XXXX, TN XXXX. It was sold to Mr. Cooper/NationStar on XX/XX/2022. Since the transfer they have purposely missed applied payments, refuse to do the VA modification loan. Instead they are trying to force my husband to do a modification with a higher interest rate. They have given my husband statements after statements with wrong amounts. We were only behind one payment, and we worked hard to catch it up. They stated to the VA liaison that one of our payments never cleared the bank when we show that it did with bank statements. They are constantly stating that if we don't get it caught up in 1 month they will start Foreclosure. VA has guidelines that help veterans and they are not following those guidelines. Even our escrow account is mishandled where it is steady growing negative since they are miss applying monies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: STERLING JEWELERS, INC.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found a late mark on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: In progress
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XX/XX/2019 I stopped payment on a {$15000.00} loan, which was through XXXX XXXX XXXX XXXX  - the monthly amount, {$400.00}. I did this for two reasons : I was out of work and couldn't pay the loan, and secondly, I had been scammed. Part of the loan was to pay XXXX XXXX and XXXX XXXX, via XXXX XXXX XXXX, XXXX, {$13000.00}. The remaining balance of the loan was to pay for leads to build an income. Nothing came of it. 

I am filing this complaint because I want my credit score restored. Per my discussions with representatives from XXXX XXXX XXXX XXXX, they can do nothing to clarify why I stopped payment. They can only report that I stopped making payments on the loan. They are fully aware of the lawsuits and my requests, via an attorney, to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

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 2023-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Claim # XXXX Online claim dispute XXXX, XXXX  XXXXXXXX  {$400.00} CONSUMER/CARDHOLDER has reached out to BOA multiple times. All I received in the end was empty updates. Card issuer has failed in upholding its Bank Account XXXX Liability Policy. Although never falling behind on monthly statements ( see Attachment ). Federal law due process investigation deadlines have long exhausted. Please credit claim back into the account. Thank you. 
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 monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: GA
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 identity was stolen and compromised for the benefit of another individual unknown to me. And from this my credit file has unknown accounts on there inwhich I have no knowledge of. I'm demanding that these accounts be throughly investigated, corrected, and updated. Please provide me with physical documentation inwhich attached my name and social to these unknown and unauthorized accounts. And if you or your companies can not meet the above demand, I'm respectfully demanding that the following accounts be removed and block from my credit file. 

1 ) XXXX XXXX  {$780.00} 2 ) XXXX XXXX   {$690.00} 3 ) XXXX XXXX XXXX {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Dear Countrywide, in XX/XX/2009, you serviced a mortgage loan issued by Bank of America with MIN XXXX on my property. The FHA loan was closed by your agent and was mailed to my property. It was fun, however, when you guys mailed me the mortgage loan paperwork, you only mailed me the last signature page copy of the HUD 1 Settlement Statement.So as of today I am without the  information of what happened after you sold your service with me. Also I was very upset when you grabbed my signature from some other document and stuck it right on the deed of trust and every where. That was an outstanding job. But here is what I am really upset about you know, and those are- 1. As I said I don't have your HUD 1 Settlement pages that you executed at closing, 2. You did a fraudulent  assignment of deed of trust to Bank of America, I understand that but how could you breached the contract with me by allowing XXXX XXXX sign for it!!! This was so unforgivable you know. XXXX XXXX was a XXXX   employee and has nothing to do with MERS!!! I get the fact that XXXX and you are close buddies, but that does not mean you will do assignment by breaching our holy deed of trust! 
3. See, an obligor can not challenge an assignment when such assignment breaches his contract with the assignor who is in default. But right now, I am not an obligor. So I can straight go for breach of contract and get this voided and then go after this XXXX mess. 

4. May be we should settle this out of Court. I need to get my title clean which you all have filled with clouds. So send me your agreement on the fact that this has been in violation of breach of contract and I just go to Court and clear the cloud.

And please don't forget to attach the copy of HUD 1 Settlement statement that you executed during closing in XX/XX/2009. 

Thanks a lot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My health insurance was billed for XXXX XXXX  in XX/XX/2016. The insurance company did not pay for the XXXX XXXX although they should have covered the costs. The lab billed me directly for the work ( {$72.00} ) but did not send me any notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2020-01-13
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I am unable to speak with anyone at the company about my issue. This is primarily because I have no recollection of ever having entered into a loan agreement with this company. I do not understand the terms of the loan and why so much interest is being collected. To prove that I, in fact, owe this debt, I would like the company to furnish me with a copy of the original loan document with my signature and the terms clearly defined. Otherwise, I will consider this debt to be invalid and any effort to collect this debt a violation of my consumer rights. I affirm that I never entered into any loan agreement with this servicer and that this servicer has somehow acquired access to my personal information and assigned a debt and terms and conditions of debt to me based on its own business interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I took advantage of a 0 % balance transfer offer. I have been making my monthly payments as required. I have continued to use the card for miscellaneous monthly expenses. My monthly payments have been enough to cover the minimum payment due in addition to the monthly misc. charges and a large chunk of the balance transfer. The credit card company has been charging me interest every month on the miscellaneous monthly charges. It was my understanding that my payment amount would be applied first to the monthly minimum, then to the monthly charges, and than to the balance transfer. I should not be charged interest if I am paying those monthly charges in full each month. However, The bank will not credit me those interest fees.

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 2020-09-22
Company: Experian Information Solutions Inc.
State: MI
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:
Experian has been inaccurately reporting a child support that was charged off a balance. 'first of all it wasn't charged off and second it was paid and there is no balance. I have asked for 4 months to have it corrected to report accurate and it still is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2020-10-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XXXX $ I was so posted to get my money over XXXX and I dont know where is my money I did my Calm over 4 months and keep doing my calm And I didnt get nun on my card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
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 was with Wells Fargo for XXXX yrs. Now my accounts are closed because for some reason everytime I would mobile deposit checks, or just go to an ATM and put money in there when I would go back to check my accounts it XXXX always be way less than the amount I suppose to have had. And then when I would call to see what was going on with my money they could not explain, or give me a reason as of to where my money went. I dont remember the exact dates but I know they have took over {$100000.00} from me. So I got sick of it and closed my account.. Wells Fargo is not a good bank.and I wish I knew then there was someone besides them I could talk to instead of customers service to get things resolved. Please help me regain my money back from throughout the years. That has caused me a lot of pain because I was not able to keep my promise with bills an things knowing the money was In my accounts. But when I turn around it wasnt. Ive went with no water, no light etc..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: DISCOVER BANK
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had an open complaint with Discover for a charge of {$7900.00}. Discover is stating that the merchant validated the charge but I wasn't disputing the charge amount, I was stating that services weren't received for that charge. I uploaded the information that I had from the merchant stating that a refund would be issued, however the Discover stated that they could only refund the charge if I had something from the merchant specifically stating that they would refund the charge on my discover card specifically. I had the same issue with XXXX XXXX because I had to split the total charge between both cards. XXXX XXXX has resolved the Issue with the documentation that they received from me but discover is stating that there isn't anything they can do about it. Today I receive an invoice from discover that is not very legible bate out what I can make out from the invoice is that it isn't generated from the same company that I had conducted business with and the date on the invoice doesn't match the date the transaction was made. It was an entire week later. I submitted the corrected invoice to discover stating that the merchant charged me more than what they submitted to discover but it was just split between two different cards. I also submitted a letter from the account manager which explained that the company would issue a full refund for not providing services. Discover also accidentally sent me another consumers information which let me to think about if my information had been sent to another consumer as well. I am concerned about the security of my information and Discover 's lack of their attention to detail. This company has a lot of sensitive data that they have been careless with. They also failed to do their due diligence when handling my case and refuse to open the case back up because they claim the information I have isn't specific enough. The executive office of Discover also has also stated that there is nothing that can be done for me. I have tried everything to bring this case to a resolution but I do not feel as if my dispute has been taken seriously. You will see in the attached documents that discover forwarded me another consumers dispute information. I am concerned that my information may have also been compromised in the process. All the information I uploaded was enough to bring the case to a resolution with XXXX XXXX, I don't see how discover couldn't do the same.

Company response to consumer: Closed with explanation