BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied the home loan modification program to chase last year and I got the proposal letter on XX/XX/XXXX this year And They sent me Modification Agreement package on XXXX XXXX,2017 When I reviewed the package. I found significant differences from their proposal letter.
I expected Monthly P & I payment amount of {$980.00} and Principal forbearance amount of {$210000.00} as Net present value or eligibility data on their proposal letter, field # 69 and # 70 But, monthly payment was {$1600.00} without any principal forbearance on the agreement I complained Chase the difference and it is against HAMP and FLEX Guideline and asked them to fix the differences.
* to provide the borrower with a principal and interest ( P & I ) payment reduction of at least 20 % and increase principal forbearance until a 20 % payment reduction is achieved.
Then, they replied that they will review and research my request and give me answer sooner. But it was delayed three times I got final answer on XXXX XXXX, 2017 that : The numbers on the proposal letter were incorrectly placed. We apologize for this and this error didnt change the outcome of the review.. " I asked them on XX/XX/XXXX what the incorrectly placed means and how the current payment amount was calculated, but No answer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Bread Financial Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continually receiving robo calls and actual live person calls ( over 20 calls last 3 days ). Told the caller that XXXX  does not live at this number and please place me on the do not call list but they continue to call. The caller is XXXX XXXX at XXXX. I am XXXX  years old and do not need the stress of these continuous phone calls ALL Day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: TX
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: U.S. BANCORP
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
US BANK is marketing and offering a XXXX XXXX credit card. Under the running promotion the customers is to receive a promotional bonus after meeting a the requirements fo the promotion. Those awarded miles would then be posted to XXXX XXXX account and can be redeemed for award flights. However, in XX/XX/2018, XXXX XXXX moved all the US register accounts to a third party register in XXXX. Those miles were rebranded as points and now have half or less the value of the original miles -- even those awarded via the US Bank credit card. US Bank and XXXX insist in their statement that mile redemption values has no chained but this is false. Mile redemption now is liked to residency of the account. US residents MUST use a XXXX  partner ( registered undeXXXX XXXX law ) to redeem points earned on US Bank credit card that now cost 2-3 times more than some non-US residents would be charged. The change in value and devaluation was NOT announced prior to the move. As a matter of fact, both US BANK and XXXX   FALSELY communicated that the transfer of miles to points would have no impact on their value. Many attempts to dispute their rational and the unfair nature of their marketing have resulted to no solution.

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 2018-05-19
Company: Accelerated Servicing Group LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated calls at least 4 times a day or more to my place of employment, personal phone, boyfriends phone and family members phones. A message was left with personal information to my boyfriend 's phone as well!! I have explained that I can not make a payment at this time but have been making an effort and made precious payments. The company also will not send me information that I have asked for and will not mail anything to prove they are a legit company and not scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Caller said she is XXXX XXXX from the Law Offices of Scott Caruthers, calling to collect a debt. She was very rude and when I told her I was at work and not to call me here anymore and asked for her number she did n't want to give me her number. She threated to file a lawsuit in court and it would lead to 25 % garnishment of my wages. I kept telling her I could not talk while at work and she was very rude and pushy!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-09-03
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have blocked this number and continue to receive voice mail messages three times a week. This has been going of for a long time now. I tried to called the number back once but you go into a loop and no one answers. 
The message left is as follows : Hi this is XXXX XXXX calling from credit management company please contact me or any of our representatives at XXXX Then it repeats itself again and the message is 36 seconds long. 
I have no idea why they are calling me as I do not have any debt owed. 
This appears to be a scam or a phishing expedition. 
Please make them stop as I have to go in and manually erase the messages every couple of weeks as they are eating up the space on my message program on my phone. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I transferred {$1400.00} to my aunt in XXXX XXXX and I paid {$16.00} as fees. XXXX told me that the person should receive it in 10 minutes. My aunt went to XXXX  in XXXX the next day, they told her that she has to go to XXXX. She went and they told her that the transaction wasn't well done to call XXXX. From XXXX, I called myself, the first person told me that it can be resolved to wait a moment. Then another person came, I believe he isn't in USA, asking me same questions plus my license # and the reason for the transaction. When I said that it was a gift, he declined to process the transaction and told me to go back to XXXX they will reimburse the money. All the burdens for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax admitted that personal information was compromised, including social security numbers. Mine was part of this list that was hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I opened an account with XXXX on XX/XX/XXXX and the account was charged off several years ago, the account has since shown up on my credit and the debt company is trying to recollect funds and showing this a charge off in XX/XX/XXXX. I have not had any contact, signed or borrowed anything from XXXX since at least XX/XX/XXXX at best guess making this account at least 17 years past charge off! This needs to be removed from 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 2021-09-23
Company: Capital Link Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX at XXXX First called my son XXXX XXXX and discussed my account and he then emailed my son and shared MY personal information and then my son emailed the information to my boyfriend. Capital link management has no right doing this to me!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: JPMORGAN CHASE & CO.
State: NY
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 am a business credit card account holder with Chase Credit Cards. There was an agreement with a company called XXXX in which they were supposed to furnish me with QUALIFIED leads for my business. We handled business over the phone. I made great emphasis in the fact that these leads needed to be approved by XXXX and my XXXX, they told me repeatedly that they were. One of the features of the service was that I would be able to use a very specific booklet along with the leads provided, along with the leads, they are suppose to provide all information needed so a consumer can make an educated transaction. 
After taking this booklets and leads to my XXXX XXXX, I learned that not only these leads were not approved, the booklets were not XXXX approved. I immediately tried getting in touch with the company several times without much success. 
XXXX finally got back to me on XX/XX/XXXX and they claimed that they can't do anything to help me as they have no " sway '' with my compliance department. Since then, they stopped responding despite several attempts to get in touch. 
On XX/XX/XXXX, I made a call to Chase to report what had happened. They started the claim process and claimed that will get back to me once the issue is resolved. On or around XX/XX/XXXX I received a phone call from Chase claiming that XXXX had answered to the claim and that they have provided a signed contract which was odd because all communication with them was over the phone. They sent me the contract I supposedly signed via mail and after a brief inspection I found out the area were my signature goes was an odd looking scribble. I immediately went back to Chase and explained the situation and they asked me for my IDs along with other documentation that can show my signature ; which was sent to Chase on XX/XX/XXXX. 
After phone confirmation of receipt of the email, I traveled over seas for less than 3 weeks. Upon my return, I followed up with Chase twice over the phone and they confirmed that the documentation was being reviewed and they will get back to me. 
Finally, sometime on XXXX I notice that the temporary credit they placed on my account was gone. I called Chase to inquire about the result of the investigation and they claimed that the time frame in which I was allowed to make a claim had passed and they can't do anything else for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
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: Public record information inaccurate

Complaint:
Couple of months ago I found out a bankruptcy on my credit reports dating back to XX/XX/2010 which is falls/fraudulent information. I did report about this to the Federal Trade Commission and have sent all the copies to the credit bureaus with a request to block the fraudulent / incorrect reporting on my credit reports, but they didn't bother to do a proper investigation and they continued to report the incorrect/fraudulent information on my reports.

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 2018-05-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions 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 has been stolen, after checking my credit I found accounts That I do not recognize in my credit, these account should be removed from my credit report inmediately.

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 2022-09-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I was scammed through XXXX XXXX by making a payment through XXXX. The scammer messaged me with the name XXXX XXXX to purchase my headphones that were priced at {$290.00}. Hi insisted on making an early payment before meeting and insisted on using XXXX. I provided my QR but they insisted my email address. They claimed to make the payment and I received an email saying that I could not receive the transaction because my account was not a business account. The instructions were that XXXX should send an addition al {$290.00} and I should directly refund him {$290.00} for me to receive the payment. They claimed to make the additional payment and I made a refund deposit following. An additional email came giving me the same instructions but for twice the amount. 
I reported this to Chase and XXXX to stop the transaction or make a dispute, but they claimed that these cases where out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I reached out to XXXX, TransUnion and XXXX  about the validity of accounts on my credit report on XX/XX/XXXX XXXX 30 days ago ). I have not received a response from them. 

XXXX, TransUnion and XXXX  are not complying wither their own policies in a timely manner.

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 2017-09-08
Company: EQUIFAX, INC.
State: WI
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:
XX/XX/2017 The news reported that there was a security breach at Equifax affecting over 148 million Americans. According to Equifax 's website, I was affected and am filing a complaint in regards to this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: AL
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 # xxxxxx 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$3300.00} ) has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Lowes hardware store offers a great promotion whereby consumers can get five percent off of most purchases made at Lowes when using their store credit card. I recently applied for a credit card with them through Synchrony Bank. 

I checked my credit score in XXXX XXXX  and it was XXXX. I understand this score is higher than that of XXXX XXXX  of consumers. I have a net worth of more than XXXX XXXX  of U.S. citizens with a total debt to income ratio of about XXXX XXXX. To protect my credit, I have credit freezes in place with all three major credit reporting companies. 

The first time I applied with Lowes/Synchrony , I was told that my application was denied because I have a credit freeze in place. A few weeks later, I lifted the freeze and applied again. This time, I was told that I was denied for the following reasons : Too much available credit on revolving accounts ; Average balance of accounts is too high ; Length of time accounts has been established is too long ; Too few non-mortgage accounts. 

I have a total of three credit cards, so find it hard to believe that I have too much available credit on revolving accounts or the average balance of accounts is too high based on my income and that my typical credit card balance is XXXX. I have no idea why the length of time accounts has been established is too long would be evaluated as a negative. Finally, why would too few non-mortgage accounts be a problem? I think having three credit cards would be sufficient. 

Id like for Synchrony to explain plainly and clearly why I was denied for the Lowes store credit card given my excellent credit, income, debt-to-income ratio, and assets.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please Delete the hard inquiries Thank you

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent three letters so far requesting for the inaccurate information be removed from my credit report. The bankruptcy in question was dismissed without going to court. The credit bureaus stated they verified that the information was correct. Verified with who? I wrote a letter to the courts and was informed that the courts do not communicate with credit bureaus. That would put the credit bureau in direct violation of the FCRA.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I disputed the XXXX XXXX Bank credit card balance not being updated to XXXX XXXX who declined to fix it. I received a report from XXXX in regards to something else to see that the info is still incorrect. XXXX XXXX continues to show this account over the limit when it is not and hasn't been for months. I want this item disputed by XXXX to XXXX XXXX to fix it!!! XXXX XXXX repeatedly refuses to acknowledge complaints or disputes from customers. I refuse to tolerate them ignoring mine! They along with XXXX are keeping my scores low for their own greedy, inept purposes. Neither party cares about accuracy of information or consumers as a whole.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly remove the late remarks immediately. 
XXXX XXXX XXXXXXXX

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