BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2019, a charge for over {$2200.00} was made by XXXX XXXX XXXX on my Chase Freedom Credit Card. When I recognized the fraudulent charge, I called Chase immediately. They mentioned that they would address the billing dispute and investigate the issue. Three weeks later ( XX/XX/2019 ), I noticed that my card was charged again by XXXX XXXX for the same amount ( XX/XX/2019 ). I called to dispute the transaction again and the Chase customer service person wouldnt give me any details about the investigation, she just said to call back once I received a letter. 

As a victim of identity theft and Chase customer for over 10 years, why should I be charged for something that I didnt order? I dont have a history of disputing charges and have been a responsible credit card user for years. If it was a smaller amount, I wouldnt feel the need to escalate the situation to the CFPB but I feel that I am constantly being taken advantage of by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Hello, I applied a payment of {$5000.00} dollars to my Capitail One XXXX card and thet did not apply it to the highest apr.. I called them and they told me they did not have to. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TOLL BROTHERS INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2022, my husband and I had a call with our loan officer at Toll Brothers Mortgage Company to lock our rate. One this call, we mentioned that we were interested in buying points to lower the interest rate. The loan officer specifically said to wait until AFTER the float down period, which is between 45 and 10 days before closing, to buy points to lower our interest rate. Our closing date is set for XXXX XXXX, 2022, so we are currently in the closing period. When we asked about buying down points, the loan officer responded that the loan is finalized and we can no longer buy points at this time. There is no response on when we should have requested points and no response about speaking to someone higher up. We would've gone with a completely different type of loan ( ARM instead of XXXX fixed ) with a lower interest rate if we had known we couldn't lower the rate. It was significantly harder to qualify for the XXXX fixed and we had to increase our down payment by {$90000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: U.S. BANCORP
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
e : CFPB Submission # XXXX I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, XXXX XXXX XXXX, who resides XXXX, I have closed all but XXXX of her many credit card accounts following the death of her husband. However, the bank that issues the XXXX credit card ( U.S. Bank ) refuses to close that account ( ending in XXXX ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I have furnished all relevant documents to the bank, at its request, documenting my status as her representative specifically empowered by the PoA to close her financial accounts. I even have provided a medallion-stamped attestation of proof of identity signed by the XXXX XXXX XXXX where I do my personal banking. ( I have sent copies of all correspondence to CFPB at the time they were mailed to the bank. ) Meantime, U.S. Bank has sent her a new credit card on the account ( which I have shredded ), increased the credit limit and is mailing monthly statements which, while showing XXXX balance, spell out the account number in full. As my aunt 's financial representative, I am responsible for paying her very substantial monthly full-residential-care and medical bills, a responsibility I take very seriously. For that reason, I have worked diligently to make sure that all of her credit card accounts are closed and to eliminate risks to her financial solvency. At the same time, I am protective of my own personal identifying information, which I do not share with financial institutions other than my own. Please let me know if you require additional information/documents to proceed with this formal complaint. 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 2015-04-07
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: LEXISNEXIS
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 XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 noticed that some accounts on my report were not mine.

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 2022-07-25
Company: Kikoff Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Kickoff Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. My payments wont go thru because theres no bank account option for payment even though my account is connected and you dont take my card. I stated before that I need the missed payment off my credit report and I'm going to pay the balance off in full but no help. The missed payment was due to their companies lack of infrastructure for payments. My payments are still missed to this day because they won't accept my bank account or debit card. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I uploaded images showing that I am unable to pay with my bank account which is the only method they accept from me since when I try my debit card they say it's not accepted, I should not be held liable when customer service hasn't even responded to my email which is also attached because I was out of the country for over 2 months with barley any service and they would refuse to help me, what kind of credit building company doesn't help their customers when they need it the most and then they are negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On my credit report these is a collection from " XXXX XXXX '', however I have failed to contact them, I ca n't get a hold of the company, I believe they no longer exists. If they do n't exist anymore and I can not make contact with them, then I want this off my credit report. I have also called and emailed ( XXXX/XXXX/2016 ) Ashmer Collections and they have n't responded to me.

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 2022-10-02
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed some collections on my credit report that I have no idea who they are these collections must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
My credit card from JPMorgan Chase was hacked, with nearly {$1000.00} charged illegally against it. The criminal accessed XXXX XXXX and charged electronics equipment. Chase send me a new card, but that card was hacked also, resulting in about {$600.00} more charged to XXXX XXXX ( I think this is an inside job, actually ). I no longer have any faith in JPMorgan Chase to run a secure environment, and cancelled my account. I want to pay my final bill, but can not access my account for the earlier card, and my current card has a XXXX  balance. I owe Chase about XXXX, but I want to make sure that there are no more fraudulent charges on the card before I pay it. The company wants to keep sending me more cards, and all I want to to see my statement, pay my final bill, and leave them. This is a company I have dealt with for 10+ years, with a spotless record, charging hundreds of thousands of business expenses over the years. I am afraid that my credit rating is going to be adversely affected by this company because I have not paid my bill. No one is working there during the Covid-19 pandemic, it would appear. -- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Information belongs to someone else

Complaint:
I checked my credit report and noticed an unauthorized account I dont recognize

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 2019-12-27
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX, loan officer, advised me sign a disclosure stating that I the owner of the home to must pay {$10000.00} at closing and bring my mortgage payment to the table. He told me to stop the automated payment of my mortgage and just bring that amount to closing. ( I have made all my payments on time since 2015 through automated draft ) But I read the documents carefully and it stated that I am NOT to sign anything because the verbal rule is not enforceable. I told Mr. XXXX that I was not going to sign a document stating that I must bring {$10000.00} to closing and he told me that I must sign the document so that it could be negotiated by him. The interest rate that I signed was 2.28 % on the next document he changed the interest rate to 3.1 %. I did not agree to that new interest rate because my current rate is 3.5 %. Then, Mr. XXXX stopped all communications with me and on XX/XX/XXXX a letter was generated and on XX/XX/XXXX ( the day Mr. XXXX told me that was my closing date ) I received a denial letter from New Rez stating that my application was incomplete and they did not loan on those terms. Then New Rez tried to assist a late payment fee in which my documents state NO LATE FEES ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the dates below : 30 days late as of XXXX XXXX, 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
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 status incorrect

Complaint:
trans union is reporting accounts, with no creditor up date that the creditor is reporting to the c.f.p.b. as of XX/XX/2022. account XXXX  XXXX XXXX account reporting credit limitXXXX XXXX XXXX.on a I.R.S. forgiven debt, remarks charge off as bad debt, amount pass due $ XXXX accounts # ending in XXXX and account XXXX.accounts XXXX XXXXXXXX account bal. {$410.00} past due amount $ XXXX accounts ending in XXXX -- XXXX XXXX XXXX responded XX/XX/2022 that it reported to the credit bureaus to update those accounts with non-monetary relief. trans union have not did this. -- -- -also XXXX. sent a letter stated a 1099-c to account, XXXXXXXX  account ending in XXXXthis account is reporting with trans union with remarks, charged off as a bad debt.five documents sent by mail, today.ID complaint on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: Nationwide Credit & Collection, 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:
NATIONWIDE CREDIT & CO has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is a XXXX Account that has been on my report that I have repeatedly disputed for numerous reasons, including it showing as charged off, yet reports as a past due balance different from the balance, and reports as past due monthly. 

In addition, after repeatedly disputing with all 3 reporting agencies, the account was deleted off my reports, only to be put back on my report with a new account number, for an account I have never had and then readded all the previous information connected to the previously reported account number.

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 2020-06-18
Company: Experian Information Solutions Inc.
State: VA
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. Company Inquiries : 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 XXXXXXXX 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 2022-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 a check was stolen from our vehicle. We contacted Chase to alert them checks had been stolen. On XX/XX/XXXX a forged check was processes and ( {$2000.00} ) funds were taken from my account. I contacted Chase fraud dept on XX/XX/XXXX to alert them the check was fraudulent. On XX/XX/XXXX I was asked to go into the Chase and sign an affidavit and it was filed XX/XX/2022. Chase asked for a copy of the Police Report for the break-in of the vehicle. The police report was provided. Chase then asked for details of the check be added to the Police Report. On XX/XX/XXXX updated police report given to Chase and now asking for a more detailed police report and the police have stated they have done all they can. When I ask what additional details Chase is looking forward they give no answer other than more detail police report. The Bank refuses to credit my account the {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
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:
Shows my account at same state even when my account has more

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