BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These Inquires were falsely advertised as soft inquires and was not given consent to conduct hard pull

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 2016-11-07
Company: WELLS FARGO & COMPANY
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
ON XX/XX/XXXX Lexing Law firm notified me that on XX/XX/XXXX Wells Fargo had reported a 30 day late payment to all XXXX credit bureaus, and on XX/XX/XXXX there was a hard inquiry made from Wells Fargo without my knowledge. I will attach all documents that explain my complaint. I have n't had an account with Wells Fargo since XXXX XX/XX/XXXX that I closed, and was never late paying. I closed the account because of the small line of credit they offered. 
Note : just last month Wells Fargo had at to pay {$180.00} XXXX dollars in fines in lieu of a scandal of opening fake accounts. Just in PA alone there was XXXX fake accounts opened. I hope im not a victim of this scandal. 
XXXX to this above mentioned news is : The Morning Call reported by XXXX XXXX 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 2021-09-27
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/27 I recieved notification from XXXX that my credit report was pulled by Syncheony Bank. I did not provide authorization for them to access my credit report. I gave them my last 4 digits of my SSN but at no point anywhere did it mention that thwy would be accessing my credit report history. Please remove this inquiry from 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 2020-04-04
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i tried for almost 2 years to modify my mortgage with this bank, if you look up XXXX-XXXX  right now that is the only former complaint i put through cfpb but there were several and the only company that helped me, well on XX/XX/2020 i got a call from the bank telling me they finALLY MODIFIED ME I SAID WOW THAT IS GREAT HOW MUch and it was XXXX i said that is higher than i use to pay so where did you modify me? they kept asking me, WHAT YOU DONT WANT IT, i said i did not say that but i have to see it first another problem is i am stuck in tennesee i came out here and my return flight was cancelled, they only gave me to XX/XX/XXXX to pay, i asked them since this corona i am not getting paid and they should extend it till XXXX, I JUST CANT SEE ALL THIS TIME THEY COULDNT MODIFY IT AND ALL OF A SUDDEN THEY CAN, i also asked what my interest rate was and was told I WOULD NOT BE TOLD THAT UNTIL I PAY THE 3 MONTHS TRIAL RUN THEN I WOULD BE TOLD, i said heck no that is not how it works, i should be told what i will be paying on, and finally, i have a feeling they canceled my homeowners on my home that i have had for over 14 years and if they did that is illegal also, they asked me to raise the dwelling amount which i did within 24 hours and sent it to them showing it was raised and i have proof of it being email to bank and also when they received it,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # 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 2021-09-27
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Requested Navy Federal Credit Union to put a stop payment on a merchant that got access to my personal account details to collect on a payment for my XXXX. 

The first request was submitted on XX/XX/XXXX and I was told that I needed a check range although it was an ACH transaction. I was told to call. 

On XX/XX/XXXX I contacted NFCU again and spoke with a rep named XXXX she told me that they could do the stop payment but it was a {$20.00} fee. My account was negative due to credits being removed for stimulus payments. They have begun taking back the credits to give you access to the entire amount per the IRS. I was told that they couldn't put the stop payment on until my account was positive. The problem that I have is that they caused the negativity. I get regular direct deposits and they can see them before they release them. I could have {$180.00} taken because they won't place the stop payment and allow my pending deposit to cover it. But instead this company could get that money and then I am out of my money until they get it back. This a private business matter regarding my XXXX and this isn't a business account.

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 2017-03-07
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, I lost employment and after after a few months lost the ability to pay my mortgage. In XX/XX/XXXX, I received a grant from a state agency which paid my arrears in full and made partial payments on my mortgage loan through XX/XX/XXXX. I have not been late on my mortgage payment in 5 years ( there is one exception with an explanation following ) and requested that my account be reaged to bring my account current which would remove negative information - older than 12 months. 

I have kept my financial obligation with Chase since getting my mortgage back on track. While acknowleges that they have the ability to do reage my account, they will only do so if you enter into a mortgage assistance program. Which is ridiculous and a gimmick to stretch out payments and add to the overall cost of your home and compounded interest. My account is not past due and I do n't require assistance. 

I have worked hard to reestablish my credit with Chase and others and this negative information is impeding my progress. Thus, I am coming to CFPB to assist with negotiations to have my account updated to reflect the positive status for 6+ years. 

Thanks. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been filing cases on this debt with Pendrick Capital Partners that I do n't owe this debt. Accordingly, to the HIPPA Laws they have to prove that I owe this debt. That they have never done to credit bureau 's and they have not answered back to my case number:XXXX, So, I decided to contact : XXXX XXXX Hospital myself and found out they have never reported anything to the credit bureaus concerning any outstanding debt. I am going to attach my medical bills from the hospital to prove that I do n't owe any debt for the amount they say I owe. Also, I am going to provide the letter they made themselves to try and prove I owe this debt they claim but it was without medical codes and every medical bill should provide the medical billing code to match the procedure and Pendrick Capital Partners can not provide that code. So, this debt should be removed from my credit report. The billing statement does n't match the XXXX Billing Report look at the dates on both form that says when I was in the Hospital. I never went to the Hospital on the date as report on the Billing that Pendrick Capital Partners provided on the billing statement.

Company response to consumer: Closed
Consumer complaint received 2020-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
See attachment for specific details : Unauthorized charges, incorrect billing/credit to accounts, constant run around and neglect to resolve issue in reasonable time on Chases 's  part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-04
Company: BANK OZK
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XX/XX/2020 I helped my friend transferred from my business account {$20000.00} to pay the equipment for the account in XXXX. 
XXXX 2020 I did transfer {$10000.00} from my personal account to another account in china XXXX 
XX/XX/2020 I did transfer {$7500.00} from my personal account to account in XXXX. 
I didnt know all that people on the account I transferred And I just tried help my friend pay that and thought that he will pay me back but he disappear and didnt want pay my money back. And I think this is a scam they try get my money away. And I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
Equifax and XXXX are in violation of my consumer rights by reporting fraudulent inquiries/address on my credit report. Below are the fraudulent inquiries and address that are being finished on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
Good Day, I am XXXX XXXX and my reason for me reaching out today is to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Chase reduced my credit limits shortly after increasing them all. 

This does n't sound like a lot. But it is because other banks did the same purely because when chase reduced my limit it pushed my credit usage up. My usage was about 35 %, it 's now over 50 %. Not because of new balances, but because of limit decreases. 

The full story is that I got a {$500.00} limit on a credit card for balance transfers. It was an error. This limit was wrong. I applied for other cards from chase and was awarded over {$17000.00} in limits. After a year in customer service with them I got to the chase executive team who increased the {$500.00} card to {$12000.00}. A few months later ( literally nothing changed to my credit report ), and purely because of when their automated system checks, my limits were slashed across the board to a few dollars higher than my balance. My usage on these cards went from under 30 % to 99 %. And according to chase, that 's just fine. They have absolutely nothing to do and have done nothing wrong to me. 

XXXX XXXX XXXX, XXXX and others have done the same. It 's sickening. I watch the credit I have worked years on be treated like a child 's toy by these companies. I have never made a late payment, have 12 years of history, had XXXX % usages ( and was paying those down. The way people look at reports these days though this change in my usage has come with a ONE HUNDRED point drop in my credit score. It 's effecting my businesses, my personal finances and my sanity. I feel like since I 've done nothing wrong but fit into their automated " you lose '' machine somehow and the reps of the company I 've spoken with either are n't smart enough to see this as an outlier or do n't have enough authority to correct it. 

I 'm posting this here not because I think anything will come of my own finances. Obviously, these banks do not care and I have no chance of rectifying this situation. But I hope by people knowing about it that something in the future can be done. I feel like since there are so many regulations regarding what else they can do that this is their only way to XXXX me and thus they do it. It 's a bait and switch. Here 's {$30000.00} ... oh wait just kidding ... it 's {$8000.00} ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender is denying the clients mod review due to them stating that they can afford the current pmt - The clients had a loss of income and could not comply with the terms of previous mod approvals - requested the lender to take into account that the client now has the income to support a mod and the willingness to comply with the terms they set forth - The lender has stated that the client has reached the number of approved mod that are allowed - The guidelines do not have a limit to which the clients can be approved for a mod -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Carvana Group, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX carvana received a transfer Cash Down Payment {$26000.00} Total Down Payment {$26000.00} Balance Due {$0.00} TOTAL BALANCE DUE {$0.00} for a XXXX XXXX XXXX XXXX XXXX # XXXX DocuSign Envelope ID : XXXX I provided bank statements to verify account, and also the transfer, Carvana has choosen to keep my currency they received and the vehicle they have no evidence of a refund initiated, as account is restricted to mostly transfers, and investments, I also had micro deposits I did not authorize remove from my account, I choose to keep my account information by private as possible providing statements, Carvana claims they need more information, I have provided all the necessary information I plan to provide for this transaction and is by Law verified, this theft/scam is in fill violation of my rights and because of amounts hardly ever receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Bread Financial Holdings, Inc.
State: NM
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:
On XX/XX/2020 I established a store credit card with Comenity /NY & CO.  Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX XXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America XXXX After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27
Company: CITIBANK, N.A.
State: WA
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:
19 fraudulent charges were made against my Citibank credit card on XXXX for XXXX ride-sharing services. I called Citibank on XXXX to dispute the charges and they cancelled my credit card over the phone. After two months, Citibank confirmed 16 of the 19 charges were fraudulent, but said the dispute I filed for the last three charges was denied and they determined I was responsible for the charges. I called again on XX/XX/XXXX to re-dispute the last three fraudulent charges that occurred on XXXX. The person I spoke to told me to email evidence I may have to support the claim that these were fraudulent charges to their security department at " XXXX '' and to write in the subject line " Attention : XXXX XXXX - Fraud Dispute for XXXX XXXX '', which I did. I sent screenshots of my XXXX history which shows I never used their service on XXXX and I sent screenshots of my other credit card transaction history, showing I was in a different state when the fraudulent charges took place. I never heard back from Citibank. I sent a follow-up email on XXXX to the same address asking for them to confirm they received my email on XX/XX/XXXX, but received no response from Citibank. I sent another follow-up email on XX/XX/XXXX to the same address, again, asking for them to confirm they received my prior two emails, but Citi did not send a response. 
I called Citibank on XX/XX/XXXX, spoke with a representative who told me they would credit my account for the last three fraudulent charges that took place on XXXX and the credit would affect my account in two business days. No credit was issued to my account by XX/XX/XXXX, so I called Citibank again. After being hung up on multiple times, I finally reached a stable representative. I asked about my dispute and that person said my dispute was denied ( again ) and she said that they never received my emails with the supporting evidence, showing the charges were fraudulent. I insisted that I sent them, she put me on hold, came back 5 minutes later and said they received my email on XXXX, but didn't receive the other emails I sent them. She said she could re-dispute the charges, but it would take at least 1-2 billing cycles to determine if the charges were fraudulent. 
I have been waiting almost four months for these fraudulent charges to be credited to my account, I've spent hours on the phone with Citibank, and I continue to reach people who barely speak English or simply hang up on me in the middle of the call. Is there any way someone at these offices can help me get my money back from Citibank?

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 2016-06-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Monday, XXXX XXXX my husband deposited an insurance claim check from our home owner 's insurance company XXXX XXXX in the amount ( approximate ) of {$8000.00} via the ATM at our local branch location in XXXX XXXX, TX XXXX. By XXXX the following morning, I received a notification that my account was overdrawn by several thousand dollars. Upon calling the number on the back of my debit card, I was told that the check deposited was missing my signature and the signature of the XXXX party which happened to be Chase bank and it was the bank 's policy to debit my account the amount of the deposited check until all required signatures were captured, and that until I received a copy of the check ( within XXXX48 hours ) my account woudl remain a negative balance. Infuriated, we contacted the branch manager at the location the check was deposited and continued to receive the run around as to why this happened. We have been told for 4 days now that this is the " bank 's policy ''. At this point, we are dumbfounded. This absolutely makes NO sense. We understand that we made a mistake on the endorsement but logically Chase should have not released the funds to us INSTEAD of debiting our account the amount for the check. Since then, we 've had various bills and miscellanous debits from the weekend post to our overdrawn account and we 've been assessed {$34.00} insufficient fund fees accordingly. We are currently in the process of working with the local branch to rectify this situation but I 'm hoping that by filing this complaint, a sufficient explanation can be provided to me regarding this " bank policy ''.

Company response to consumer: Closed with monetary relief