BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
I am unable to log into my Chase Amazon cred account. ( I also could n't apply my promised rewards to my amazon purchase ). I can not logon and see my bill, so I called customer service. They told me I owed {$3900.00}, which I paid on XXXX XXXX. I did n't want to deal with this credit card anymore, so I paid it off. I called back on XXXX/XXXX/17 because I still could not log in and wanted to make sure I did n't owe some small amount that would end up on my credit report or have a positive balance that I was never refunded. I call customer service who told me I overpaid by {$220.00} and they could direct it back during business hours. The service agent transferred me to a manager. I got a customer service manager in " Central FL named XXXX ''. He told me he could n't tell me his last name or employee id #. He still could n't get my online account to work. He told me that they could not direct deposit my money back. This is fraud. I ca n't access my account, they ca n't fix my account, and they wo n't immediately refund the money they fraudulently collected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: ERC
State: HI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-06
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:
XXXX- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.

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 2017-02-21
Company: Anderson and Associates Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Anderson & Associates Credit Services LLC provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have not received any validation documentation from United Revenue Services. A bill is not validation, I 'd like to see original documentation with my signature. I am allowed under the Health Insurance Portability and Accountability Act to protect my privacy and medical records from third parties. 
-Please provide breakdown of fees including any collection costs and medical charges. 
-Provide a copy of my signature with the provider of service to release my medical information to you. 
-Cease any credit bureau reporting until the debt has been validated by 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 2016-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I visited XXXX XXXX to view a used car with my elderly mother XXXX XXXX, and our close friend XXXX XXXX, during the meeting we discussed financing and the Used Car Manager in plain English advised us that they would require a soft pull or our credit, being an XXXX XXXX XXXX I was well aware that a soft pull would have no adverse effect on my credit or my mothers credit so we agreed. On leaving the dealership we received multiple messages from XXXX that Hard Pulls from multiple lenders had been placed on our credit reports, we dis not authorize loan requests from XXXX XXXX, ally financial, XXXX or any other lender we were merely discussing options. My husband contacted XXXX the XXXX a day later to inquire and the Managed lied directly to him.about the process, all 3 witnesses present clearly understood this was a soft pull and the ramifications of a hard inquiry, I XXXX seasoned XXXX, XXXX XXXX is a retired XXXX  and XXXX XXXX is a Business XXXX, there was no mistake from our interpretation. We would like the Dealership sanctioned and fined for breach of our privacy, manipulation of our credit and the inquiries immediately removed.

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 2015-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had a mortgage with from XXXX of XXXX to XXXX of XXXX and never missed a payment. I refinanced my Citizens Mortgage through XXXX in XXXX of XXXX to obtain a XXXX loan to completely renovate my home. My home is built. My current mortgage is with XXXX for {$410000.00}. My house is a single family ( XXXX ) in XXXX XXXX with an ocean view, XXXX car garage, and an additional parking spot. 
In late XXXX of XXXX, after I moved in, I started a refinancing process with Citizens to lower my monthly payment by close to or at {$600.00} because I would no longer need PMI insurance. I provided Citizens with every document it asked for ASAP ( XXXX for XXXX, XXXX, XXXX ) I signed to allow my income taxes to be released. 
I paid {$450.00} for an appraisial of my home which occurred on XXXX XXXX of XXXX. The apprasal came in ( {$590000.00} ) signifigantly under market value. I raised complaints about the my appraisal to the loan originator, XXXX XXXX of Citizens Bank XXXX XXXX XXXX, and she agreed it was way under value, would file an complaint, but the loan should be fine even though the appraisal was so artificially low. 
I was told we would close at the end of XXXX XXXX. We did not close then and was told we would close at the end of XXXX. All along, as is available via email, I was told the loan was going forward and we were all set. On XXXX XXXX, XXXX, I was told via email from XXXX XXXX we would close Monday XXXX XXXX, XXXX at XXXX at the XXXX XXXX XXXX XXXX. Then it was moved to XXXX XXXX. I was told over the phone by XXXX on XXXX XXXX around XXXX we were closing tomorrow XXXX XXXX. At XXXX XXXX XXXX I received an email from XXXX saying the loan was denied. XXXX also said in the email she had a sore throat and cold not talk. Reason stated was the amount of my summer job was {$1900.00} less on my XXXX than XXXX had told me it was safe to cancel my XXXX payment with XXXX which I did via telephone. I planned so financially. I have a XXXX child. My wife is not working. I now need to come up with additional money which I was told I would not need because my Citizens payment would be lower. 
I did everything asked, was told only positive things about my loan ( in other words all I ever heard via email, telephone was that it was moving forward ) and get an email the night I was supposed to close that it is not happening. After another week of vetting my financial sources, which I submitted back in early XXXX of XXXX, I was told by my loan officer i was denied on Friday XXXX XXXX, XXXX. 
No bank should be allowed to treat people in such a manner, especially when people 's financial future is held in the wings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am trying to get my mother off as a co-signed on my loan. I have reached out and even talked to a rep. That rep never got back to me after following up with them numerous times. My emails and phone calls just never were answered. We have been paying for almost 8 years now and have never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
From XXXX XX/XX/2021 Money being paid from my checking to XXXX  XXXX  for a game online, I ne ver authorized.

I didn't realize I was being charged d Rite away and ow I have thoughsands missing and being denied my money back. I've had disputes but no luck when trying ow my account is negative and I'm afraid to use it due to these charges I need help im not good with all these online programs and want someone to help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: The CBE Group, Inc.
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
CBE Group has never sent me a letter in the mail for pass due loans. At XXXX point I took out a payday loan back in XX/XX/XXXX and was over charged on interest fees and closed my bank account as they got more then they should by the payday loan company. I reopened my account with a new account number with the same bank. So years later the CBE Group who is a XXXX party maybe trying to collect on the loan which I was over charged on interest and paid back which the loan company wanted more and more. 

Anyway Number that called was XXXX. Called me after XXXX on my way home from work one night last week on XX/XX/XXXX. I picked up the call and the lady seem rude asking what my name was and my social security number with of course what my home address was. I did n't give them that info. I said to the lady if you call my cell phone and think you have the right person send me a letter in the mail. I basically told her to shove it and send me a letter in the mail if you have anything on me for whatever they wanted. So just today XX/XX/XXXX week later they called my dad 's cell phone stating that his son has a bad check. I get a call from my dad and I 'm like I have no idea what they are talking about. I do n't write checks. All my bills are paid online anyhow.. So next time CBE calls I 'm going to record the conversation and let my police buddy take it from there see if I can use any of there harassment against them in the future!!! I want them to stop calling me and they buy these outstanding loans on the pennies and I 'm sure they would love to clear out my bank account. That 's not going to happen because I 'll go to CBE office in Iowa and do matters in my own hands if I have too one day!!! So please make them stop cfpb and do your thing. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received Bank of America new mortgage statement. 
Total monthly payment amount increased from {$1800.00} TO $ XXXXDifference {$690.00}. Principal and interest are the same {$1300.00}. 
Escrow more then XXXX from {$530.00} to {$1000.00}. 
No reasonable explanation. i have a fixed rate, taxes and insurance are the same.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015 Bank of America/XXXX XXXX inspected my home and also damaged my roof. The XXXX contractor told me that someone would come and fix the damage the XXXX contractor caused. It 's been 4 months and my roof is still damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CL Holdings LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I attended XXXX college in XXXX, my federal loan was forgiven in XXXX. But for my XXXX loan I am not able to contact any one about my private loan. I never received my diploma from this school so I feel it is unfair for me to be receiving multiple phone calls and collection letters from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX As well as it affecting my credit I have asked these people at XXXX XXXX XXXX asking them to give me information where I should call about this and who sold them my information but all they can tell me is to agree to a payment plan for {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion received my documents XX/XX/2015. XXXX XXXX Ireceived investigation results. They deleted XXXX XXXX, butregarding XXXX & XXXX I 'm told I must contact the creditors? 
Why is it my job? Transunion is not in compliance with the law. 
Do I need to hire another expensive lawyer to expedite this? 
XXXX was my legal team. I 'm done. They submitteddocuments to me which I submitted to Transunion ; as well as ; theother XXXX credit bureaus. Again I ask, why the discrepanciesbetween my documents and the inflated figures provided by thebanks?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13
Company: Clarity Services
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I am not really sure what this loan credit inquiry is that is being reported on my credit report. I did not authorized applying for a line of credit through " XXXX XXXX '' and " XXXX ( XXXX ). Company is XXXX, FL XXXX. They have tried twice to preapprove me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I need it to stop and for the unauthorized inquiries to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Loan Science, LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am unable to pay the full payment amount which is $ XXXX+ per a month for my student loan. I called Loan Science to set up a reduced payment plan. They are only able to offer me a reduced payment plan of {$360.00}. I advised that I am unable to pay that amount. I am only able to afford to pay {$200.00} per a month. They told me that there is nothing that they can offer me right now. But, to check back with them at a later date to see if they have any new programs. I told them that I was trying to set up the {$200.00} payment plan before I received a late payment on my credit report or before the loan went into default. They then told me that once my payment becomes more delinquent they will have other programs that they possibly can offer me for a reduced payment plan. But, why ca n't they just set it up now - why do I have to wait until I have a late payment on my credit report or my account is in severe delinquent status before they will adjust my payment amount. They 've done it before, but only after they dinged me on my credit report for XXXX days late - why do I have to have my credit destroyed before they 're willing to reduce my payment when they could set it up now and I could avoid dings on my credit. That seems wrong to me.

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