BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-25
Company: VANDYK MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was refused a Mortgage to buy a home XXXX XXXX 2017 by Van Dyk Mortgage-XXXX. They used XXXX XXXX and XXXX to base their refusal. My credit scores are not high enough according to their guidelines. I have been working at the same job for nine years, my credit card payments are 100 percent on time and My rent has been paid on the first of the month for 9 years straight at the same residence.. My income to debt ratios are fine even though I have maxed out my credit cards do to 5 XXXX in the pas 3 years. Why should I be refused to buy a home which actually would make my mortgage payments lower than I am currently paying for rent. One of the reasons for denial of loan was delinquency of payment which is untrue because my credit report shows 100 percent on time payments Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I had a chase amazon rewards credit card where I was making a XXXX dollar minimum payment. I had gone through financial hardships and hard really struggled to make payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been having several issues with this bank since suntrust bought it. I have been charged just in the last month over XXXX dollars in XXXX fees. I have a secured credit card and an overdraft protection on this account and they charge me overdraft fees and then credit my deposits this bank is horrible.

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 2017-06-25
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Through Navient, was on a income based repayment place and authorized the agreed amount of {$670.00} to be withdrawn from my account on the  XXXX  of every month. On  XXXX   XXXX ,  2017 , Navient withdrew {$650.00} from my account. Then proceeded to withdraw the regular payment on the  XXXX . Called Navient to address issue and they said I agreed to have an extra payment taken out, which there was no record indicated on the account. I am not currently on the thi rd month (  XXXX  ) an d they are still proceeding to take an extra {$600.00} out of my account every month.   This is jeopardizing my account and has put me in the negative.   Navient has said they will investigate the matter and refund the money that was taken out of my account, as of today  XXXX   XXXX ,  2017  this has not happened.   I have managed my money to make this payments accordingly, and with these extra withdrawals this has put me in the red and Navient has shown no interest in fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My Name is XXXX XXXX address is XXXX XXXX XXXX XXXX pa XXXX phone is XXXX the compiaint is with Key Bank they left me open a checking account i had to pay deposit to open them they sent me XXXX XXXX in the mail after account was open for maybe a week they put a block on my account and they told me they were not going to remove this block i set up this account to make deposits in and out of this account they charged me money to open a checking account also a hassle free account they told me that i am not going to even be able to use my account or My XXXX XXXX they told me that the block is from fraudlent activity but no one has my banking account info so i cant use my accounts at all i spoke to someone higher up from company and they told me the same thing they told me to go to a branch and that is like a little over a hour from were i live but i dont drive so I am very dissappointed in this company right now because i put money into my accounts i would like this issue to be resolved They also game me a phone number to call XXXX they said because of fraudlent activity and i am the only one that has my acconut info i told them that someone else had it because i did not under stand the question they also have both accounts blocked i would like them to remove the block were i can make transfers and deposits the first one was a hassle free account XXXX the second one was XXXX i hope you can resovle this issue were i can you my accounts if not they need to refund my money that i had to pay to open these accounts thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-09
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX of XXXX there is there is a hard inquiry showing on my XXXX Credit report and when I called Wells Fargo who it says is the creditor who is reporting this info they have no record showing of an inquiry ever being made under my social security number when I ask them to send me supporting information they told me they were unable to do so because they did not have any information for me. I spoke with 3 separate representatives the last of whom was XXXX XXXX in the credit application department on XX/XX/XXXX who confirmed that she did not see any informal in their system for me. All XXXX representatives that I spoke with said they could find nothing under my social security number which I gave. I then called XXXX who told me to file a dispute because it had been over 6 months since the supposed inquiry was made I however could not see it on my credit report until this past month. I do check my credit report at least once per month.

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 2020-05-29
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I received my monthly statement by mail with a due date of XX/XX/XXXX. The statement received was past due the date due. I called in directly to the credit card company to inquire if there were delays due to COVID19 in their mailing process. I was told that they dont know, but could not and would not look further into the issue or refund late fees or interest that occurred due to this delay. I was transferred by request to supervisor XXXX, ID : XXXX. XXXX was aggressive and rude, rather than seeking resolution or offering assistance to further prevent this occurrence from happening in the future that I was looking for. He stated that because I choose postal mail as my method of billing its my problem, as well as because I elected in XX/XX/XXXX to waive a late fee they could not waive the fee due to their once a year policy. I have been a customer since XXXX maintaining excellent credit and paying my balance in full. I feel this decision was made purely to exploit the consumer.

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 2022-09-06
Company: EQUIFAX, INC.
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:
My car was been broken into andm y information was stolen and looked at my credit report and seen the these unauthorized inquires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke to the original creditor regarding all of the following accounts that were purchased by Transworld Systems inc. The info that Transworld systems is furnishing does not match the info I received from the original credit/creditors. This is a huge violation of the FCRA, and FDCPA. This inaccurate data has caused me great personal issues. It has triggered my XXXX and caused my interest rates to sky rocket. If this debt is not removed I will seeking litigation under 15 USC 1692 which combats abusive debt collection practices. I will seek my {$1000.00} per violation as well as the other inconveniences these inaccurate debts have caused me. This is this debt collectors last chance to remove this inaccurate/ non verified debt. 
Transworld Sys- XXXX Transworld sys- XXXX Transworld sys- XXXX Transworld Sys- XXXX Transworld Sys-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
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:
It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 Source : XXXX File Date : Amount : Status Date : XXXX XXXX XXXX XXXX : Action Type : Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 non-monetary relief
Consumer complaint received 2017-06-25
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just  XXXX   XXXX . Its  XXXX   XXXX   XXXX  and I Do n't have   XXXX   on my name. I Do n't know who this person is and ther e may be  more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me.   XXXX  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A job offer was initially sent to me through an apparent admin ( going by the name XXXX XXXX ) from my school ( XXXX ). Stating that they would be playing {$600.00} weekly, and first come first serve. Immediately I inquired about the position and ended up getting it. The scammer " XXXX XXXX '' claims to be a property interior designer with a large client base In need of a personal Errand Assistant. The Job Duties would be to " mail services '' ( receiving mail from nearby post office and paying bills ). And they also said that they would supply me with sufficient funds and adequate instructions for every task. I did supply them with some basic personal information such as ( my full name, address, phone number, name of financial institution, age, city, state, zip, and email address ). Fortunately, I did not supply them with any account numbers or my SSN. I am reporting this scam for documentation purposes. 

Attached are the correspondences with the alleged " XXXX XXXX. '' Included : FTC complaint, email attachments Please contact me at ( XXXX ) XXXX for additional information.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: CA
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:
I have a credit card with XXXX federal with a credit limit of XXXX my payment due date is the XXXX of every month. I made payment with representative on the XXXX of XX/XX/2022, I also reported my card lost on on XX/XX/2022 and they issued a new card that same day as I made my payment. XXXX XXXX canceled my payment of XXXX without my knowledge and reported XXXX XXXX late on my consumer report. I spoke to a representative and he admitted it was there fault but was nothing they couldn't do about it on there end. they suggested I dispute the XXXX 30 days late with the credit reporting agencies myself. I would like the false XXXX XXXX late removed from my credit report immediately.

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 2019-12-01
Company: ERC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize this account, nor did I benefit from them. I spoke to the original creditors by phone and the info they submitted to me does not match the info that this collection agency is furnishing. This is a violation of FDCPA. Under 15 USC 1692 I can seek {$1000.00} per violation. I am giving this agency one chance to remove this unverified info from my credit reports or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get 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 explanation
Consumer complaint received 2021-04-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account Enhanced Recovery Collections 3. Validate Account XXXX XXXX XXXXXXXX 4.Validate Account XXXX XXXX XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
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:
5/3 Bank has reported my mortgage account 30-days past due when it was not. The account was due on XX/XX/21. Payment was made on XX/XX/21 and posted on XX/XX/21. While payment was late, it was never 30-days late. 

I have attached a statement which shows the date of payment of the mortgage as well as a screenshot of the payment history on my account at 5/3 Bank. You can see on the bottom of the statement where it shows payment due on XX/XX/XXXX and payment cleared on XX/XX/XXXX ( depending on how you count it is 28 or 29 days late ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX my debit card was illegally cloned as used for a number of fraudulent transactions totaling in excess of {$800.00}. JP Morgan Chase 's fraud detection and online banking updated failed to catch the fraud. When I finally phoned in to cancel the debit card and flag the transactions, I was told that I would not be refunded the full amount illegally stolen from my account, due to a 60 day fraud threshold the bank has in refunding stolen monies. I want to be made whole.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive disputed this debt with this collection agency on several occasions ... They have not sent me or verified the amount I truley owed to these apartments and could not show records of the apartments tenancy after I moved out. This apartment was leased to another individual shortly after i moved therefore I do not owe the remainder of my lease which this company has reported to all the major credit bureau 's for some time now.. collection agency is capstone credit and collections

Company response to consumer: Closed with explanation