BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged 5 overdraft fees in a month. This is excessive. I went into a branch location and spoke to a branch manager for help and he was unable to assist. I explained that I recently lost my job XX/XX/XXXX so it is taking me a little more time to get money into my account but I am able to deposit the money same day. I still get hit with fees. I have been charged {$170.00} worth of fees in less than a month. Every rep I spoke to on the phone seemed unwilling to help or empathize with my situation saying that they can not do anything I am ready to close my account at this point because I can not afford to keep paying overdraft fees especially when I have not received my first paycheck. I have also been told several different cut off times from XXXX, XXXX, XXXX, XXXX, XXXX. It seems as though the phone reps are all on a different page. I explained to the branch manager that I will receive my first check XX/XX/XXXX. There should be a limit on how many OD fees a bank charges someone. Especially during times of financial difficulties.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: GA
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 XXXX  account, XXXX has violated my right to privacy Under the HIPPA law, A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not give permission 15 USC 1681 section 602 8 states I have the right to privacy 15 USC1681 section 604 A section also states a consumer reporting agency can not furnish your account without my written instructions

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 2018-05-18
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
i received a gift card from my father in law for {$100.00} issued on netspend visa card. i tried to activate the card online, however the website is always down and wont let you log in. always shows a error that the website is down and to try again later. i tried for over a week and always get the same message. called up and provided the information as requested and was informed that my card has been activated and can be used at any retail location. i have tried to use the credit/gift card on 5 separate occasions and at different locations and the card is always declined. i now have a {$100.00} gift card that can not be used and i feel that my father in law was cheated out of his money. i don't know what else to do and hope the the FTC can get my money back or at a minimum investigate the conduct of this company ( netspend ).

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 2022-08-15
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
Transunion has not updated the late payments that I have been disputing on my credit report. Show me how you " verified '' this. 

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done, { XXXX } can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If { XXXX } reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with this account should be updated to 100 % paid on time. 

ACCOUNT : 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 2018-04-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Two years ago Chase closed my business account because we are minority owned and we deal mostly with minorities. To make matters worse, they held cleared funds for several months and did not tell me about stop payments that customers had made and cost my business thousands of dollars in lost customers. When I filed a complaint with CFPB Chase sent a certified letter to my house telling me never to go into one of their branches or it would be considered trespassing. 
Today in my mailbox I got a flyer offering me {$300.00} if I would go to the branch at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL and open a business account. This flyer came from XXXX. XXXX XXXX in XXXX XXXX, TX. The code XXXX is printed on the front of the " Special Invitation ''. 
IF I am not permitted to go to a branch, why are the thugs at Chase terrorizing me by sending literature to my house? To make matters worse, I do not conduct any business out of my house and I certainly would never give XXXX XXXX like Chase permission to contact me there at my home, an address you have sent me things at before. 
During the time my business, XXXX XXXX XXXX XXXX, had an account with Chase we never had a single time we were in the negative and they earned thousands from us in fees. CHASE closed this account not me. Now they need to leave me alone and stop sending my business things in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Experian Information Solutions 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:
Payment is showing 30 days late, however, the payment for XX/XX/2020 was included within the loan payoff submitted/wired by the XXXX XXXX XXXX on XX/XX/2020. I have included the settlement statement within the attachments. The overall account has been paid off as of XX/XX/2020 and needs to be reflected accordingly. 

Being that the closing took place on the evening of XX/XX/2020 ( Friday ), the title company was not able to wire the funds until the following business day which happened to be a Monday ( XX/XX/2020 ). This was completely out of my control. 

Furthermore, the decision to sale the property was due to financial impacts of COVID-19 which was also the reasoning behind including the XXXX payment within the overall payoff as I was unable to make the payment by the payment due date.

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 2018-05-18
Company: Hollis Cobb Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Following my visit to XXXX XXXX Hospital in XXXX, GA on XX/XX/2017 for my son 's illness, XXXX charged for me HC ER Service Class III and filed 2 claims worth {$1200.00} and {$810.00} of which I was deemed responsible for {$750.00} and {$120.00} respectively by my insurance XXXX. 
Knowing it was no more than an urgent care visit and definitely not HC ER Service Class III, I requested for itemized bill several times to XXXX XXXX XXXX but I never received. 
I've also appealed to XXXX and while they are investigating, XXXX already sent these to 2 different collection agencies and they want me to pay the said amounts regardless of whether I actually received the services or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: MD
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 have sent over 8 disputes regarding information on my credit report that doesn't belong to me! There is serious negligence on the consumer reporting side! I have an FTC report # XXXX with the claim of information that doesn't belong to me! 


As you should know Section 623 ( a ) ( 6 ) ; 15 U.S.C. 1681s-2 ( a ) ( 6 ) Section 623 ( a ) has specific requirements for furnishers of information, including financial institutions, to a consumer reporting agency that received notice from a consumer reporting agency that furnished information may be fraudulent as a result of identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that the information may be the result of identity theft, an identity theft report has been filed, and that a block has been requested. 

Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to establish and follow REASONABLE procedures to ensure that it does not re-report this information to the consumer reporting agency, thus re-polluting the victims consumer report. I am demanding you REINVESTIGATE these accounts and BLOCK them IMMEDIATELY In Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, the courts ruled each time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they must conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
in   XXXX   XXXX   i sent   XXXX   XXXX    XXXX  checks totaling {$19000.00} to pay off my high interest private loans. the account numbers for these loans was indicated on the checks.   XXXX   XXXX   applied these funds across all of my loans, including the low interest loans. As a result, i am still paying on the high interest loans at the present time,  XXXX  years later. This has cost me alot of money. When navient took over sallie mae, everything was restructured and account numbers were changed, making it difficult for me to understand what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. 

Numerous unauthorized hard inquiries are also showing on my report.

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 2023-09-19
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
American Pacific Mortgage Company frauded me and refuse to rectify the situation despite acknowledging they are at fault. As a first time homebuyer using an FHA-government program through this lender, my partner and I signed multiple closing documents for our home on XX/XX/2023 where the interest rate for our second mortgage ( covering down payment ) was 0.00 %, and were shown multiple instructional/cover sheet documents explaining the 0.00 % rate we were signing for. Shortly after we closed, American Pacific Mortgage Company and their subsidiary XXXX XXXX XXXX sold my mortgages to XXXX XXXX, in a deal that said our second mortgage has a 6.25 % interest rate. This will result in over {$11000.00} in charges and dinged credit score to us as we wait for this company to rectify their error with XXXX XXXX. Despite multiple pieces of evidence to prove American Pacific Mortgage Company/XXXX XXXX XXXX is in the wrong, they refuse to rectify the issue or even answer my calls or my government-assigned mortgage counselor 's calls. From their lack of communication, I can only assume American Pacific Mortgage Company/XXXX XXXX XXXX is attempting to profit off me and the government using predatory and fraudulent, illegal lending practices. I hope they do the right thing and fix this issue asap, considering my only home and well-being depend on 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 monetary relief
Consumer complaint received 2022-08-15
Company: BROKER SOLUTIONS, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX And New American funding. On my consumer report, there is a late payment and Fraudulent items on my credit report which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( company name ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( companys name ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( companys name ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Rodenburg LLP
State: WY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have two loans that were taken out through XXXX XXXX XXXX. I have several issues with this company. The original amounts of the loans were at XXXX, XXXX it was agreed upon that there was no interest and there now has been interest added. They have a debt collection agency sending notices and threating not only me but my ex husband who through a divorce and a court order was filed no longer liable for the student loans. They are asking for much more than what was taken out on the loan. They are threating to garnish wages and when asked for them to show the proper documents that they own the debt they stated they do not have it. This company has been sued for not being able to show that they have ownership of this loan. I have requested ownership be provided that they own the debt and it has not been provided. I don't feel its fair for this company to request money and threaten me and my ex husband who is no longer liable for the debt to raise the amounts and to collect on and to not show proof they own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: AMERICAN HONDA FINANCE CORP
State: AZ
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 am filing a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received the results of my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, CFPB : In XXXX of 2021 I made an extra principal payment that my mortgage company, PennyMac Mortgage Services, LLC mishandled. I was charged an extra interest payment and an extra escrow payment and my principal balance was incorrectly calculated.

I have contacted the mortgage company, PennyMac, who have told me that they will " correct '' the problem. However, I felt that their response was weak and non-specific, and when I asked for the address of the Consumer Financial Protection Bureau, the agent said he did not have the address and had never heard of the agency.

In addition to the misapplication of my principal reduction payment, which was erroneously applied to my account and did not reduce the principal that I owed to the correct amount, I have had trouble for the past several weeks accessing my account online, because the PennyMac website fails. After I enter my user ID and password, I get a screen that says, " Sorry! we're currently under maintenance. Our team is working quickly to bring the site back online. We apologize for any inconvenience. Please try again later. Thank you for your patience. '' This problem has existed for at least three weeks, and it makes it much harder for me to determine what is going on with my account. When I asked the PennyMac customer service agent if he could give me an estimate for when the website would be fixed he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: EQUIFAX, INC.
State: MO
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:
I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: GreenSky, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XX/XX/2018 I received a letter from ( XXXX XXXX XXXX ( " XXXX '' ) on dated XX/XX/2018, and their position on the matter. I didn't know I had until XX/XX/XXXX, to respond. 
I am just responding to these Statements. ( period ending XX/XX/2018 and period ending XX/XX/2018 ). 
A representative name Ms XXXX, ( XXXX ext. XXXX ) on XX/XX/2018. Said she would investigate the matter and get back to me. I haven't heard anything from her since then.

All I want to know did you grant me the {$3000.00}. or something close to it? 
Thank you, XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation