BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute with TransUnion regarding an unknown account appearing on my credit report. I recently received the results of TransUnion 's investigation stating that the account is still listed under " Adverse Accounts '' on my credit report. Today, I called the creditor, and they have no record of my social security number in their system. Obviously, this account does not belong to me, and yet TransUnion has failed to remove it from my report. Moreover, TransUnion states that this " Adverse Account '' will not be removed from my report for seven years! 

This is not the first problem I have experienced with TransUnion. TransUnion also made reporting errors against my social security number on two other occasions : ( 1 ) 6 years ago, TransUnion listed an unknown-to-me individual as an additional name on my report. That report included not only a name, but also a full address and at least 3 adverse accounts. I disputed the report, and the information was removed. I thought the matter was closed. 
( 2 XXXX Last fall, TransUnion again allowed an adverse account listing to be placed against me. This was due to the SAME unknown-to-me individual as in ( XXXX ). Because of that error, I began receiving robotcall from a collections agency. Since I have been flooded with so many other robotcalls coming to my phone, I initially thought it was a scam. 

As a result of error ( XXXX ), I pulled my credit report, and I discovered incorrect phone numbers and the same incorrect address from ( XXXX ) were again listed on my credit report, so I went to the police. They concluded that it was a clerical error, and they said that someone had transposed the middle two digits of another person 's SS #, causing the mixup. 

I have no idea why or how this latest " Adverse Account '' was opened, and the irony is that it was opened two days after I put a fraud alert on my credit. ( That obviously did not help. ) I am at a loss for why TransUnion has made so many mistakes and I do not understand why this latest investigation was labeled " complete '', when the creditor does not even have my social security number in their system. 

This is completely unacceptable. TransUnion appears to have no clear process of identifying errors such as these. Their clerical issues have adversely affected my productivity, and I have spent untold hours trying to get resolution. There is zero protection to the consumer. 

TransUnion 's most recent letter states that I " may add a XXXX statement '' to my report. This is unacceptable. The adverse account that does not belong to me should be removed. I have not received a fair resolution. 

Thank you for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have called each bureau for a copy based on applying for XXXX card and being denied. Trans Union and XXXX is stalling and circumventing the rules by not honoring the laws in place to protect us against such practices. I need a copy of my reports expeditiously in order to address a current pending transaction. So please have the XXXX bureaus send me my copy based on the law of denial.

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 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Was overcharged and I attempted to dispute my bill. No one would assist that I could understand or return my calls. Services were terminated by the company. Attempted to return phone at the XXXX store and close account and told I was n't allowed to return my phone.. Had to pay full amount. I refused. This happened over 5 years ago. Yet is brand new on my credit report. They are a very shady company.

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 2015-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX continue to collect and list XXXX different collection accounts on my credit report which are not mine.Theere is no ending of their harrasment and the intentional pain and suffering they are inflicting on me.I request them to delete all this accounts from my credit reports ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: GA
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 have been trying to make payment arrangements with Navient for months. Every time I call, I get that no one can help unless I guarantee how the payments will be made. They are rude and not understanding at all. Do n't they realize them bullying and belittling my situation is not helping the situation at all. I have been told that they will not place me in forbearance, not lower my payments and basically will not be working with me at all unless I can make the payment they are offering. I had a supervisor offer to take my interest rate to 1 % and extend the term of my loan, but he would not take payment unless I told him the method of how I was getting the funds to them every month. I told them that I was not sure but I would make sure the payment was made. He told me that he could not do it unless he knew for sure that I was going to make the payment on time every month. I feel like I am stuck between a rock and hard place. I want to make payments on my loans but I can not afford {$400.00} plus a month and be able to live and take care of my child. I explained that to them. They even told me that I am negative XXXX XXXX in my monthly income versus expenses. With them knowing that and still trying to increase my payments is ridiculous. I want to pay back the loans that I took out. Also, the loan amount that I actually took out from XXXX XXXX was a lot more with interest. I just wish at the time that the loans were offered to me that they really educated me about what I was getting into. The documentation that I read was a lot of jargon that was very hard to understand. The education that I got was not worth the headache that I am going through now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back

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 2017-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is my third complaint filing on Bank of America. The Mortgage Servicing Rules requires that a servicer credit a periodic payment from a borrower as of the day of receipt. Three checks were attached to print out from the online banking system and placed in the night drop on XXXX/XXXX/16 but not posted until XXXX/XXXX/16. I have asked three times that the payments be reapplied to the day of receipt. I have been told that BOA has 24-48 hours to post payments placed in the night drop. I have asked twice for something in writing with that information because it is not posted on the night drop or on my billing statement. Also, my privacy was violated. A BOA employee called my place of employment and told another employee that there was a problem with my mortgage payment checks that were left in the night drop. I did not get the message until XXXX/XXXX/16. I started calling the bank at XXXX to find out why the payments had not posted. I had to call the branch four times to get help with my payments. The manager was extremely rude and not helpful. Only after I persisted, did the manager ask the employee the problem with my payments. I am asking again that the three loan payments be backdated to XXXX/XXXX/2016. I will not use the night drop anymore. I have been treated badly by Bank of America and am very dissatisfied with their service.

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 2022-10-01
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
There was a debt from XXXX XXXX I had from XXXX. I have made multiple attempts to consolidate the debt with no avail. This debt was transferred to Jefferson Capital System and I have not received any notices or phone calls to settle the debt, Ive made multiple attempts to dispute it with the credit bureaus but to no avail. This collection is now out of the statute of limitations for the state of XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: EVERBANK, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
Issue XXXX - Please reference complaint - XXXX on the PMI. Please see the attached letter received from Everhome Mortgage acknowledging her subsequent requests to have PMI removed and a check for {$8800.00}. This was obtained when we submitted a complain to the Washington State Attorney General. 

Issue XXXX -Please see accounting showing Everhome collecting arrears and not applying any money towards principle. 

Issue XXXX - Everhome transferred the claim to a new servicer. How can they transfer an inactive MIN ( MERS number )?? Being inactive implies it is paid off. MIN XXXX - This transfer happened the same month XXXX obtained the refund for over charged PMI. A coincidence, yeah right, the bank wanted to run away from this matter. 

Issue XXXX - Assignment of the Deed of Trust was signed by XXXX XXXX acting as an Assistant Secretary of MERS, he is in fact the XXXX, so he signed the DOT over to himself creating a forgery ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I was made aware of this account in XX/XX/XXXX when I already had a fraud alert. I recently spoke to a representative who finally heard my concerns ( last week XX/XX/XXXX ) and she went through the account ( no other representatives did this ). She let me know the email and number that was created with the account. My mother XXXX XXXX made herself a card user after making the account with my social. Ive stated to multiple representatives that I just graduated high school in XXXX and would have no knowledge of the credit pull. Capital One has charged the account to my credit when this is identity fraud and is clearly seen from the account and the transactions. The representative also stated some of the transactions and I didnt own a vehicle or anything until XXXX which my aunt and uncle helped with due to issues at home, which I have proof of. This is FRAUD. I XXXX XXXX XXXX did not give consent nor make this account. Please remove this from my credit history or XXXX have to take legal actions on Capital One for making false claims. Capital One knows theyre in the wrong because I was never contacted, seen in person or given a signature for them to create this account. When you co-sign someone that individual has to be present to give consent Ive never done this or been aware of this account until this year when I myself pulled my credit history. I lived with my mother in my early XXXX so the fraud department keeps ignoring my claims of it being fraud since address are the same. They arent looking at the transactions or who is paying the card off ( I had no idea it was getting paid until I checked XXXX, I dont have the account number or anything because I did not know of this account ) .I ask to please check back all recordings to Capital One because I give my social every time because again I had no idea of this account, Ive never had a Capital One account ever in my life. I also dont live with my mother anymore and have given my information to contact me in the investigation and they havent, Ive reached out myself every time. Ive also submitted several claims to CFPB, multiple police reports and multiple disputes with XXXX. Capital One isnt doing their job and its ruining my life because theyve closed and charged the account to my credit. Im a XXXX student studying XXXX ( just went back to school ), I dont have a credit card and havent had one since XXXX XXXX XXXX again I can show proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received two letters from Chase : 1. After recent review of your accounts, we have decided to end our relationship with you. 2. We 're writing to let you know that we will be closing your credit card account on XXXX XXXX, 2016 because continuing the relationship creates possible reputational risk to our company. Upon calling the XXXX number listed, I was unable to find out the reason for the review or for deciding to close my accounts or credit card. No information could be given. I have no bounced checks, the is no inactivity, there is plenty of money in the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX sent me an email informing me of a past due account that is effecting my credit score very negatively and Im asking that it be removed due to the following. 
The account in dispute belonged to someone else. 
I was an authorized user for this person due to the fact that he is a XXXX veteran/XXXX, and often times his health prevented him from running errands, grocery shopping, and banking. 
He filed chapter XXXX, and it was final XXXX 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I received notification " Chase Card '' performed a hardpull of my credit report. I did not authorize this and I have no idea what its related to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Chase Credit Card Services is refusing to provide statements for my Chase Business Visa under XXXX. I have records showing money was transferred to them from my personal checking account but Chase can not produce any evidence of debt. I want to point out to that XXXX was my business, I am the owner. My business was subject to Chase 's credit reporting and my business was responsible for the supposed 'debt ' you collected from my checking account. But you can not show any charges were made on that credit card. There has clearly been some kind of accounting error and I want those over charges returned. Another solution would be this, through acts of fraud my ex-wife now XXXX XXXX managed to steal allot of money from me and a large amount of my XXXX son 's recovery money. We have been unable to produce the evidence of what she 's done due to my inability to access any of my finances. It drove me into bankruptcy forcing me to default on my new creditors unnecessarily. One of those creditors is Chase Visa my new account through Amazon.com. I believe you can clearly see on your end who is causing this problem and preventing you from providing me with copies of my statements which I need to show fraud was committed. In effect XXXX XXXX XXXX and XXXX XXXX XXXX have committed offences against both of us.

Company response to consumer: Closed with explanation