BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: JPMORGAN CHASE & CO.
State: CA
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:
My wife and I have a joint Chase Sapphire Credit Card. Chase permits me to have online visibility to the balance and transactions on the card via online banking. I asked that Chase also permit my wife to see the balance and transactions on the card, since she is a joint account holder. Chase says that their systems permit only one person to have access to the balance and transactional data via their online banking system. 

My wife and I also have joint XXXX brokerage accounts with XXXX for our XXXX children. XXXX permits me to have online visibility to the balance and transactions on the account via their online system. I called today to ask that XXXX provide access to the balance and transaction information to my wife through their online XXXX account system. XXXX says that their systems permit only one person to have access to balance and transactional data via their online XXXX account systems. 

My wife and I believe that both of us should be knowledgeable and have visibility into the family finances. I think that it is crazy that joint account holders can not have online access via their own credentials into the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
At the start of 2019 my credit scores reported by Experian and XXXX were both in the range of 810 to 820. As of XX/XX/XXXX, my credit scores are being reported in the range of 670 to 690. As a result I have been denied a loan to cover required home improvement projects. 

The only changes that might have affected my scores are 1 ) my wife died on XX/XX/2019 ; 2 ) XXXX XXXX lowered my credit line from {$16000.00} to {$8000.00} with the explanation that I had not used enough of my credit line in recent months ; and 3 ) a  disputed payment totaling {$420.00} was reported as delinquent without notification to the credit reporting companies that I had disputed the charge, or why. 

Should the death of my wife, or an arbitrary action by XXXX of lowering my credit line ( they have also arbitrarily raised my credit line several times since I have had the account ) or a disputed, unpaid charge for a mere {$420.00} cause my rating to fall to the point I can not now secure a loan? This seems grossly unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing in regards to a late payment/late payments on my credit report from XX/XX/2016 for my Navient account. I entered into a forbearance in XX/XX/2016 and was told by a representative/ agent of Navient that the forbearance would retroactive and there WOULD NOT be any late payments on my file/ account. I have since found out that there is a late payment on my credit report for all 12 loans that I have in XX/XX/2016. This wrong information on my credit report is effecting me a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was opened in XX/XX/XXXX through a local bank and immediately sold to XXXX ( Lakeview ) Loan servicing out of Virginia. I paid my mortgage in split payments every month with no problem until XX/XX/XXXX. My first payment of the split payments somehow was applied entirely to principal which began a downward spiral. In XX/XX/XXXX I was charged a late fee which was reflected on the bill mailed on XX/XX/XXXX. I called and they said they fixed it and waived the late fee. They told me I cant split payments. Since I had already made one-half payment for my XX/XX/XXXX ( XX/XX/XXXX ) bill. I made the other half of the payment. On XX/XX/XXXX, I called to straighten out XX/XX/XXXX and XX/XX/XXXX and they told me it would be 7-10 business days to get it straightened out and would not be reflected in my credit score. I called back XX/XX/XXXX and to follow up and they said they needed more time. I then called again XX/XX/XXXX and asked to speak to a manager. After waiting 40 minutes on hold the manager told me it would be straightened out in 48 hours since it was supposed to be resolved by XX/XX/XXXX. I am now calling back to follow up again and have been on hold for 1 hour and have not yet spoken to anybody. I reluctantly paid {$1100.00} more on my XX/XX/XXXX payment so the loan wouldnt be considered delinquent anymore to avoid this happening again next month.

In the meantime I am trying to refinance my mortgage thru a local bank that has assured me that they will not sell it. Although I was approved, XXXX has reported a missed mortgage payment to the credit bureau and it has affected our ( my husband and myself ) credit score by decreasing it 110 points. My local bank can not close on my approved loan until XXXX fixes my payment history and our credit scores. Despite my diligence in following up, they are not answering my calls. This company should not be in existence considering they cant seem to get anything right. This is my 3rd house and I have never had this much trouble paying my mortgage nor have I ever had a late payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
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 purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
open a cfpb dispute in XX/XX/XXXX and now credit card compay is doing every thing they can to retaliate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas onXX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, Transunion, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.

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 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Trans union credit report had my current address incorrect and previous addresses Ive never resided at- and phone numbers Ive never had. Trans union failed to remove the information upon my request of investigation. Ive never lived at any of the places I reported and phone numbers I reported. They dont keep accurate information or respond to me attempts to resolve these on going issues- why does Tran union have so much inaccuracies in information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a letter asking to pay {$320.00}. I sent them a Debt Validation LetteXXXX which they failed to Validate. Instead, they sent a Itimized billing containing my medical procedure which clearly is a violation of my HIPAA rights. This bill was already paid to the hospital.

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 2018-01-04
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on Saturday XX/XX/XXXX I received an E-mail from Navy Federal stating "Member to Member" access was successful to a person named XXXX XXXX XXXX a person I'm not familiar with. I immediately contacted Navy Federal and told them this was unauthorized and the transfer was unauthorized too.......The representative changed all of my accounts restricted my online access. I was told nothing more could be done due to the fact this was during the holidays and the fraud department was closed and I needed to visit the local branch on Tuesday XX/XX/XXXX....I went to my local Navy Federal bank of which I was then informed I could not file a fraud claim until Wednesday because the transaction was currently "Still Pending" and there was still a possibility the transaction could be denied and my funds could be returned... needless to say the transaction was posted on Wednesday....I immediately called Navy Federal and reported my claim to their fraud department...The representative suggested that I file a police report...of which i immediately did....I needed some other information from Navy Federal so I went to my local Navy Federal and the young lady told me I should have half of my money by the end of the day or two....so I called Navy Federal today the representative informed me they HAVE NOT turned my case to a fraud investigator and they DO NOT give credit in "These Types Of Cases" and it will take up to 10 days to "Investigate" and if it is "Approved" they will give me my money back.... My issue with isA: THIS IS NAVY FEDERAL'S FAULT; because it happened "Internally" a member of THEIR institution stole my money and transferred My money from my Navy Federal account to their Navy Federal accountB:I INFORMED NAVY FEDERAL as soon as the issue was brought to my attention and I have FULLY cooperated with them and they allowed the member to keep my funds in spite of them having knowledge the transaction was fraudC: THE LACK OF URGENCY when it comes to my account being hacked and the LACK OF CONCERN with the fact that I DO NOT HAVE ANY MONEY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit 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 non-monetary relief
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This women repeatedly called me from " XXXX '' leaving multiple messages on my work voicemail. I called her back and asked hedr to kindly stop calling my employment and she stated I could do whatever I want to do shes going to call my employer now and hung up on me. Im not even sure this is a legitimate aattempt to collect a debt. phone number she called from is XXXX ext 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 explanation
Consumer complaint received 2022-02-04
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Received letter dated XX/XX/XXXX from Freedom Mortgage who has serviced my loan since XX/XX/XXXX. Letter stated that my hazard insurance expired. Letter also stated that they purchased an insurance policy and that I must pay for the policy but I do NOT have insurance. My policy has not expired or lapsed. 

Upon calling Freedom mortgage at XXXX, first the company 's automated message does not identify itself as Freedom Mortgage. Secondly, the agents ultimately tells me that the letter is inaccurate and that Freedom Mortgage has NOT purchased insurance on the account. The supervisor says that CFPB required Freedom Mortage to put the inaccurate information in the letter.

I called Freedome Mortgage XXXX at ~ XXXX am XXXX. During the call, Freedom Mortgage accesses the insurance company 's database and retrieves the information they need. 

There is too much fraudulent activity going on for this type of activity to be permissible.

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: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I found out that my Chase banking account was locked when I tried to log in via mobile app around XXXX pm on XX/XX/2022. The message was saying " We locked your account due to unusual activity. Call us to unlock it ''. I immediately tried to log in my account on Chase.com website but got the same message. So I called the provided number XXXX right away. The first operator told me that he needs to direct me to another department. After the call was redirected, I was put online for 12 mins without answer. So I have to hung up and called in second time at XXXX pm. I talked to different operator this time. She told me she found a flag in my account. The flag said Chase identified a cyber security issue when I used my device and asked me the run anti-virus software and called them back to remove the flag. I was very confused as I use app installed on XXXX. I never heard that anti-virus software. I told her my confusion. She told me that she would have to transfer my call to another department. So my call was transferred to different place. Very frustrating, I had to hung up after 24 minuets waiting without response again. I then called the 3rd time. The similar story happened and even more frustrating. This time, my call was transferred to twice. My call was transferred to Fraud Prevention team after 30 mins waiting. But I heard the voice message saying " the department is currently closed ''. So it ended up nothing after more than 1.5 hours waiting and transferring back and forth. I called Chase again in the following day on XX/XX/2022. I started calling at XXXX pm. My call was transferred to Fraud department again. But after several back and forth, I didn't know where they transferred my call. But no one could help. I had to call again after 30 mins waiting. This time, the operator put me on hold for 1 hour 12 mins and never came back to me. As seen, I called Chase for two days and was put on hold without response for half day. I can't see my accounts and I don't know what happened to my account either. I lost the control of my own account. Until now, the problem wasn't really addressed after 48 hours since I identified the issue without notifying from Chase. Very frustrated as a loyal customer with Chase for more than 10 years. Now I am wondering if my confidence with the largest bank in U.S. is fading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
At   XXXX   XXXX   - I spoke with   XXXX   XXXX   who is telling me that I must submit a Postponement tomorrow morning with a gift letter and bank statement. Even though I am willing to pay off their alleged loan, I was told regardless of my efforts to pay off tomorrow that they may go forward with the sale which is a bunch of bull.
I have confirmed in the first place the   XXXX   XXXX   XXXX   credits were accessed through my assigned US Treasury Direct Acct. For these people to tell me that it may be too late for a postponement as they place to illegally seize my home tomorrow. I do not owe these people.
  XXXX   asked me to provide my personal bank statements and this can not happen. I was a victim of Identity Theft -   XXXX    Employee in  XXXX . I am willing to payoff the amount issuing my acct. # and routing # and   XXXX   is refusing.
2nd Item - I want to report Bankruptcy antics in courtroom 5D -   XXXX   XXXX   - It appears   XXXX   XXXX   attorney went to   XXXX   XXXX   's courtroom on  XX/XX/XXXX  to get a Lift of Stay against the Registered Entity - regardless of fact # 1 I revoked any and all power of attorney as the Live - woman back on the land. Note : this BK case has been closed for over 3 yrs - all debt for the Registered Entity discharged as UNSEURED DEBT. I realized that going to the BK court was a error. The   XXXX   XXXX   loan was paid off as shown by MASTER FILE. I was never served any notice of this  XX/XX/XXXX  hearing and Wells Fargo had my address - So I had no way to put on record illegal seizure of home or fact it is not a loan but copy right business processes. The Will Be Debt Opinion letter is FRAUD - as there is no loan. Please refer to the   XXXX   XXXX   XXXX   XXXX   - very important to see the complicated undisclosed real transaction of sneaky licensing agreement of our identity.   XXXX   XXXX   assists with these crimes TAX SHELTERS in my name -- -- hoping that I will not catch on to there scheme. These behaviors need to stop - the people harmed have lives too and we were not placed on this earth to serve for the legal profession pleasure and benefit as reflected in the  XXXX ,  XXXX ,   XXXX   XXXX  .
These people seem to forget that it was I who authorized the initial credits and I can at any time terminate their fake POA status with their fake loan #. I am in process of getting the lien released at Federal Level.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XX/XX/XXXX {$15000.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/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 2022-02-02
Company: EQUIFAX, INC.
State: GA
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:
When accessing XXXX portal I discovered that the information ( personal and credit accounts ) were completely inaccurate. It appears that my consumer report has merged or been mistaken for someone with a similar name as me. The SSN listed on the report was NOT my SSN and the credit report revealed accounts that have never been associated with me.

Company response to consumer: Closed with explanation