BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went to the XXXX/XXXX branch of Chase Bank in XXXX today ( XX/XX/2018 ) hoping to open an account. I explained that I had just sold my house and was about to move back to Oregon and that my current bank ( XXXX XXXX ) doesn't exist in Oregon, hence I thought it best to get an account in a national bank, because the wire transfer I'm about to receive is quite large ( 6 figures ). I showed my ID, provided proof of address ( home I own ), and my SS number. Suddenly I was asked to provide my residency card, since I had innocently mentioned that I was from XXXX. I don't carry my residency card with me, because it's expensive ( {$450.00} ) and really hard to renew if lost. I even showed my debit card from my other bank as proof that I'm clearly here legally and have been for the past 15 years, but it wasn't enough. No other bank has ever asked me to show my residency card when opening an account. Unless Chase asks for birth certificates from applicants who are citizens, this is a discriminatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Approximately XX/XX/XXXX an American Express account was fraudulently opened in my name. Approximately XX/XX/XXXX I filed FTC Identity Theft Report and XXXX XXXX Sheriff Identity Theft Report. Both reports were sent to American Express and all 3 credit bureaus ( XXXX, XXXX, XXXX ). The  fraudulent account was investigated and removed from all 3 credit bureaus. However American Express has refused to recognize the fraudulent account in my name as identity theft. I have been receiving multiple debt collection phone calls & corresspondence for the fraudulent Amex account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: Crossroads Systems Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Capital Plus Financial has kept hundreds of people 's PPP loans that were already approved by the SBA. Most applied for PPP through XXXX XXXX or XXXX. The XXXX  is currently investigating and has suspended them over the deluge of complaints. 

Same story all over the web : borrowers get SBA approved ( with loan numbers ) and then they are ghosted by assigned lender Capital Plus Financial. Some have been approved for two months already and haven't even received a promissory note. Others have signed their PNs but never received their disbursements.

Capital Plus is just holding onto the money. That's a LOT of taxpayer money. 

XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: MD
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 will be the 4th complaint I have filed via CFPB against Experian for their negligent practices. I have also written them 3 letters disputing the item on my report marked US BKPT CT PA XXXX. I have requested on each inquiry/complaint that they provide proof of their method of verification, which they have FAILED to do. I have also sent them proof that they indeed could NOT have verified this item via XXXX XXXX as they CLAIM. I sent a copy of a letter that I received from XXXX XXXX stating that I do not exist in their database. Their refusal to provide supporting documentation to disclose their method of verification is willful con-compliance of FCRA Section 611. I have also notified them that they have FAILED to abide by FCRA because they did not mark this item as being disputed by me on my report within 30 days of receiving my initial complaint back in midXXXX of 2020. It is now XX/XX/2020, 3 months and 14 days later and it is still not noted on my report that this item is disputed by me, the consumer. I have also attached to this 5th complaint a copy of a letter directly from the clerk of courts stating that the courts do NOT verify public records to CRA 's. So if the claim is that they " verified '' with the court - that is a lie. I want PROOF!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Discover is now requiring all credit card customers to link any Discover bank accounts with their " single login ''. I do use online access for credit cards but I never use online access for any banking. Why? Because the risks are so different. It is useful to check merchant actions to the credit card and my risk is limited to {$50.00} by statute. There is no limit to risk with on-line banking and the convenience over paper is minimal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Trust Financial LLC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently being sued by a company in a state I havent lived in for over a decade. I have had zero validation of said debt, and no communication with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}, {$14000.00}, {$24000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.

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 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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 have contacted the Michigan UIA Debit Card through Bank of America around XXXX to XX/XX/XXXX. To receive my balance on the card from the unemployment benefits. This organization has not gave me the balance yet. The amount on the card was {$950.00} and some change. In XXXX of XXXX a check was allegedly sent out to the wrong mailing address after I provided the agent of this organization my correct mailing address. Also updated my address with the post office afterwards. I have been told at first the balance in a check form will be mailed in 7-10 business days, then 15 business days now its 45 business days. It seems that I'm getting misinformation. I even was to to go to a branch to verify my identity after I completed the identity screening over the phone with the prepaid debit card service over 5 times.

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 2018-05-02
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are filed a Chapter XXXX bankruptcy. During the bankruptcy our mortgage company freedom mortgage refuse to talk to our attorney is at XXXX XX/XX/XXXX XXXX law offices. Once we discharged they spoke with us and for the last seven months weve been going through loss mitigation. They keep denying us due to lack of information. And when we appeal that they state that they didnt receive some forms which we have sent so weve been going back-and-forth nonstop and now theyre telling me that the forms that we filled out our from XX/XX/2015 and are no good. But they are the farms that they kept sending us. I feel as if they are prolonging this issue so they can put our house on the foreclosure and I would like some information on how to stop this

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 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 late payment on the dates below : XXXX & XX/XX/2020 I would like to reach out to you guys to seek help regarding my account. I am hoping you could spare some mercy as to what we are all experiencing. Amidst this worldwide crisis that we are facing, I lost my job due to company shutdowns and community lockdowns because of this I was able to miss payments and be late on them. Since XXXX our company where I worked with became unstable due to the Corona Virus that is fast spreading and since then production and services were cut off to save profit. Not long they cut down manpower too and unluckily I was a part of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-26
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Report # XXXX Date XX/XX/18 On Notices on page 3 of 4 under notices has perceived this as a high risk because it pertain to a business or was used as a mail drop. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information XXXX is a apartment complex named : XXXX at XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information under Notices and or need to provide proof as to may perceived as a business or mail drop or delivery service. 

Experian keeps adding information on my Personal Information page that is not correct and needs to be removed. Or provide documented proof to the information as stated by them

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 2020-07-27
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. 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.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: MA
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:
Im complaining about XXXX XXXX XXXX vacation and resort time share, they will not remove the delinquent on my credit report for Experian and its hurting my credit on buying a house, I am up to date on all payments, I was set up on automated monthly payments to come out of my bank account, my bank card was changed because of loss, they had the wronge information so they werent getting the payments until 3 months later I got a letter in the mail from them, I didnt know they werent recieving payment because I thought they had my checking information! I called rite away and paid all in full to be up to date and fixed my bank information with them! never have I missed or been late in 3 years with them, there fault, please help!!

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 2020-05-14
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: Account status incorrect

Complaint:
XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.

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 2022-07-05
Company: EQUIFAX, INC.
State: UT
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 had inquired about an auto loan through XXXX XXXX XXXX XXXX to run a credit check however there are multiple other inquiries as listed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I got my loan through Sallie Mae, it was then bought by Navient. I paid my loans out. I received a letter saying it was paid. Done. Then two years later, Navient sent me two letters saying I still owe {$500.00} after interest. I paid my loan off. Now theyre claiming I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
If I recall in either late XXXX or XX/XX/2020 AMEX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with AMEX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving XXXX. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on AMEX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional 2 minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current loan to value ratio is less than 80 % but my mortgage provider is not accepting to cancel my PMI. I recently did refinance and as of today the Loan to value ratio is less than 80 % Mortgage provider - dovenmuhule Mortgage As per the contract signed, my PMI can be cancelled after ltv is 80 % or less

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My mother passed away in XX/XX/XXXX, while I was still a minor, of 9 years of age. This has proven to be detrimental in the quality of life Ive had there after. She worked since XX/XX/XXXX to XX/XX/XXXX with full employee benefits, retirement and life insurance, Where I believe I was the only beneficiary, but as a minor, I had no voice and my future was in the hands of family. To my knowledge the court placed the life insurance in a CD that I would be penalized should I have withdrawn ahead of time, which I did, however received no penalty. My aunt was a personal banker at the same Bank of a America branch off XXXX XXXX in XXXX Ca and she handled all of my families banking needs. Including my inheritance. In XXXX, I had an urgent need to make my first withdraw, and by XXXX the approximate XXXX balance was completely gone, my aunt retired early due to the stress on the job and now in XXXX when I am wanting documented records of the XXXX, names, dates and withdrawals, the bank has no records of it. 
My problem is, how is it not a policy against Family members having access to families financial needs? Theres companies such as XXXX XXXX who will not allow even relatives to be employed together, how does Banknof America allow this?

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