BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-25
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank closed my account on XXXX/XXXX/16. I had {$450.00} in the account as of that date -- with no outstanding checks or debits .... I was told that I had to wait 10 days before I was to receive the balance of funds ... ... It is now XXXX/XXXX/16 and I have not received my money from the account ... ..I have contacted the bank a number of times regarding this problem -- -only to be put off with " we sent you a check '' or '' we are conducting a search for the check '' or come into the bank to see a manager who will assist you who is never there ... It is my money -- -I live off my Social Security of {$810.00} a month -- -so that is a great deal of money for me to lose ... .I do not know why the bank will not give me the money -- it offers no reason or excuse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On or about XXXX/XXXX/17, Chase Automotive ran a " hard inquiry '' on my credit report. This will have a negative impact on my credit score. I am up to date with all monthly payments so there would have been no reason to do this. I did not request any additional services from their organization either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX entered into a consumer credit transaction withWells Fargo on XX/XX/2015. The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. Fact, please show good faith in this matter by expediting the securing of alleged information listed on your site in order to avoid me receiving, further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, Affiant is aware and has proof in attachment labelled as Exhibit A & B that Wells Fargo is in violation of 15 usc 1692 ( b ) ( 2 ) They are now civilly and criminally liable.

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 2016-07-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/XXXX, XXXX I sent letters to XXXX XXXX about a a car loan that was paid by my insurance company and Gap insurance. The car was listed as a loss on XX/XX/2018. It was being paid in a chapter XXXX payment plan until the accident. The account has be placed as a new account on my credit report with a open balance of XXXX and being reported late in collections of 120 days. The account should show closed and not open.

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 2022-05-18
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX XXXX XXXX Nationwide Mortgage Bankers offered me financing terms for a mortgage to meet my XX/XX/2022 closing date. Somewhere along the line they realized that they could not deliver what they have offered and instead of being upfront and truthful, they stringed me along for almost 6 weeks ; constantly delaying, lying and creating unnecessary issues, all in hopes that I would walk away on my own initiative. Within less than 2 weeks of losing my Earnest Money, Inspection cost and everything else I have invested, I decided to quickly use another bank to close the transaction so that I do not lose what Ive already invested. With such short timeframe and increasing interest rates environment, I was forced to accept an interest rate that was almost 2 times greater, a down payment that was 10 % higher and almost {$3000.00} higher points. I am a real estate agent and a real estate investor for the past 15 years and would have never under normal circumstances purchased an investment property under the financing terms I ended up accepting. 

Throughout this time frame ( XXXX through XXXX ), as I rightly became annoyed and persistently pressed My Broker ( XXXX XXXX ) for an explanation as to what was delaying the progress, he became very unprofessional, disrespectful, uncaring and unsympathetic to the stress and fear of losing my earnest money, that I was going through. XXXX XXXX began to ignore my calls/texts/emails for days/weeks, and whenever he did respond it would be some open ended nonsensical remarks, such as I am in a lot of meetings I spoke to his immediate supervisor, XXXX ( I can not remember his last name ), he too seemed helpful initially but ultimately disappeared. I went as far as to write a letter to Nationwidewide Mortgage Broker CAO ( XXXX { Can not remember his last name } ), but he did not bothered to respond. 

This company and its practices really need to be looked into. I saw similar reviews about them, but unfortunately I used them before I checked the reviews.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, 2016 I file a claim against Citibank and XXXX XXXX XXXX XXXX regarding a collection account that still is being reported it to the XXXX major credit bureaus, Citibank issue a letter on XX/XX/XXXX stating that they will follow through an investigation and that they would take them 3 month to notify of the results, it 's been 5 month already since I begin filing complaints against both of them. 
a Law Firm in New York called XXXX found violations being done specifically on this account XXXX has been the only XXXX that understood that this account should not be reported it anymore therefore they deleted it but the collection account is still active reporting it every month as of collection to XXXX and XXXX I have n't got No response from Citibank as they promise my record with both Citibank and XXXX XXXX is on your Data List with all the information pertinent to this collection account.

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 2016-03-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Arbitration

Complaint:
I am a victim of fraud I was told that XXXX was a part of XXXX. My computer was infected. The company, XXXX XXXX, fixed my computer and told me I needed to buy another version of XXXX. They told me the service was good for a year. My computer is now dead. XXXX is in the process of suing the company and told me to get my credit card company involved. Citicard has refused to help me in refunding the? XXXX that was billed.

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 2016-08-05
Company: Nelnet, Inc.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have a series of subsidized and unsubsidized students loans consolidated by Direct Loans, loans taken out from XXXX XXXX to XXXX XXXX, and a new a series of loans taken out XX/XX/XXXX. My entire package of loans was bought up by Nelnet, my student loan servicer. I had an accident in late XXXX XXXX, and when released from the hospital in XXXX XXXX, I called Nelnet to inform them of the status of my health, unemployment, and my university 's decision to let me go on an extended medical withdrawal ( i.e. I will not be taking any classes ), all due to the XXXX XXXX XXXX I suffered. The Nelnet agent was kind and understanding, and told me to call back in XXXX XXXX to remind them of my situation, and they would ensure that no adverse action would be taken due to my health and my university 's decision. In XXXX XXXX, I called Nelnet to remind them of the situation and to notate in the file that I would not be taking any classes per my previous agreements, and my continuing recovery from my brain injury. They told me that was n't a problem, and I was renewed for at least the next 6 months. In early XXXX XXXX, during a routine credit check, I saw that my credit score was improving due to actively working on paying my outstanding bills. Later in XXXX XXXX, I saw that my credit score had dropped by XXXX points because Nelnet had reported my student loans as not paid. Of course they were n't paid, that was the deal I had worked out with them due to not taking any classes, my XXXX XXXX XXXX, and the report from the university that I was on medical withdrawal. I was previously told twice that no adverse effects would come, and I did not receive any notice that any bills were due. I believe that this was a mistake that needs to be corrected immediately, or that this was a deliberate attempt to take advantage of someone with a XXXX XXXX XXXX. I intend to return to classes as soon as I 'm healed, which will be sometime in the next calendar year, but for now I am unemployed and on medical withdrawal due to the severity of my injuries, all with my university 's ( XXXX University XXXX XXXX ) permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My new mortgage obtained by XXXX Mortgage in XXXX AZ was sold to XXXX Mortgage in XXXX. I received a notice from XXXX Mortgage about the transaction on XXXX/XXXX/17. I made my first payment in XXXX as instructed by the XXXX Mortgage letter. It 's been almost three months and I have not received anything from Dovenmehle ( no statement of account, no information about the mortgage, nothing! ). I tried to set up an account on their website, but got an email notice that they would need some time to establish the account and would notify me when it was live. Nothing happened for two weeks. I called them repeated, only to be cut-off after hearing an automated message. Today, I finally reached a live person after two attempts and 34 minutes of wait time. The agent told me they had the wrong mailing address ( certainly they had the property address! ). Then I wanted to make payment on the account, but had to be transferred to another dept. ( scary because of how difficult it is to get someone live ). I did get a collections agent, I was late in paying because I did n't know if this was a scam company because of their lack of communications and the extraordinary difficulties I had in reaching them ). She took my payment and before I could ask questions about setting up automatic payment arrangements, she actually hung up on me. She was very rude. This company is operating in a very untrustworthy way : they 've established so many barriers for their customers, it 's next to impossible to conduct business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
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 fair credit reporting XXXX  account ( XXXX ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 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 states a consumer reporting agencies can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Exeter Finance Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I entered a financial loan for an automobile with XXXX XXXX, for appx. XXXX. Since XXXX I have paid ahead on the loan. Ex : XXXX : I made 3 payments instead of 1. In XXXX I made a payment, in XXXX I made 2 payments. I have my billing statement for XXXX and it shows my payments are going to interest, even though I'm continually 1 to 2 months ahead on all my payments since XXXX. Why are they stealing my money? I'm widowed with XXXX children and am trying to pay the loan off early, however : due to my payments being applied to intrest only ; I will have paid XXXX of the loan back by XXXX. However : only 15 % of that has been applied to my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2016 a person unknown to me and without my authorization, opened 2 bank accounts with my personal information in California, I was affected since the creditors do not want to help me get out of this scam of which I was a victim and as a result, now I have debts. 
In XX/XX/2016, he opened an account for a credit card with Discover Bank and left me with a debt of {$6100.00}, I have tried on multiple occasions to fix this problem directly with the bank without obtaining results. 

The person who used my name and social security without my authorization used this address to open the account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANCO POPULAR DE PUERTO RICO
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since at least XX/XX/2020, l have being trying to close my account & get my money from Banco Popular in XXXX XXXX. XXXX XXXX in XXXX is aware and my account is now closed I have not received my money yet, but they keep taking fees for inactive account.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I had several hard inquires on my account. They were on the XXXX XXXX, XXXX. I did authorize XXXX credit inquiry but the rest of them are fraudulent. 

They are from the following agencies. 

XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, TX 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 2022-05-18
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: GreenSky, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Back in XXXX I went to XXXX XXXX to get XXXX XXXX XXXX   treatment. XXXX XXXX is partnering with Greensky offered me a loan of {$930.00}, stating that treatment will remove all visible XXXX XXXX on my XXXX. They charged the payment card BEFORE providing any treatments. After 3 session of treatments I did not see any results and made complaint to Greensky XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, GA XXXX and XXXX XXXX, raising my concerns. None of them were willing to cooperate. 
I went to another provider, who actually was able to provide a treatment that worked, and as the result incurred additional expenses. 
Greensky stated in writing the following : If you are dissatisfied with the goods or services that you have purchased with your payment card, and you have tried in good faith to correct the problem with the merchandise, you may have right not to pay the remaining amount due on the purchase. 
I have contacted Greensky back in XXXX and XXXX, stating that indeed I am not satisfied with the purchase and I tried in good faith to resolve this with the provider, I want my money to be refunded. Greensky is not fulfilling their contractual obligations and loan agreement. Please see attached complaint to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2016-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a victim of identity thief for 4 1/2 years now. I have been reported by XXXX and XXXX and I was n't not able to open the account for very long time. 
I tried to solve the problem with XXXX XXXX, Chase, XXXX XXXX XXXX through out the whole time and they have been saying I need to wait XXXX-48 hours everytime I call and find the status. that XXXX48 hours have became over 4 years and still not have been solved. 
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to, and they can not tell me what the reason is '' and they also said " they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue, and have my normal life back.

Company response to consumer: Closed with explanation