BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out IC Systems and XXXX XXXX about a debt that I have no knowledge of. After checking my credit report on XX/XX/2021. I seen the account was opened on XX/XX/2021. The amount is of {$710.00}

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 2019-10-31
Company: JPMORGAN CHASE & CO.
State: IA
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:
I was billed XXXX at XXXX per for car washes that i did not authorize. I did in fact use this card for single XXXX car wash. I have never enlisted in the promotion offered by XXXX XXXX XXXX XXXX. I have never signed nor verbally authorized this contract by XXXX XXXX. Chase manhattan maintains that by my using this card for the single car wash that allows them to assess a charge against my card monthly. I call that theft. I am a snowbird to XXXX in the winter four to five months. I have been charged XXXX dollars per month when i wasnt even in the state of XXXX. I was in XXXX. How can this be right? Because a merchant has my credit card information they can bill me for anything they choose?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: IL
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:
I opened a credit card with Chase on XX/XX/XXXX ; interest rate 27 %. I would never transfer a balance to this account the interest is way too high. Regarding the aforementioned I was very surprise to look at my statement on line and find out that they were charging me a transfer balance interest fee. UPon finally seeing this i called Customer service in XXXX only to be told by several employees of the establishment that I did indeed transfer a balance and although they were unable to find it that they would not cease charging me or return / credit my account. This charge was added o my account and they cant even tell me when they started charging me because it should be when i supposedly transferred a balance. Bottom line it adds up to a nice piece of change. I need that money back, I find it irresponsible not to at least settle, but the entire thing is dishonest and I believe their are others that are being ripped off. Is there a class action suit ; if not could this be a start of one. What can I do to get my hard earned money back. Please help me. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: Experian Information Solutions 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 credit report has several unauthorized inquiries, I contacted XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX PA, to discuss the FRCA violation and they said that the inquiry in question was from a business loan application that they received from on their brokers " XXXX XXXX XXXX , XXXX, and they said I authorized it, I said, I wanted to see the application that authorizes my personal credit be pulled and they send me an application from XXXX XXXX XXXX XXXX XXXX that specifically states " that may not obtain, including credit reports and personal financial condition. ( see attached ). I have discussed this matter with XXXX XXXX XXXX of XXXX XXXX XXXX and he refuses to have the inquiry removed. I explained to him in depth, that all he has to do is contact the credit reporting agency in question and have the inquiry removed. He has refused to have the inquiry removed, most likely because they do this all time and do n't want to get in trouble with the three major credit reporting agencies " XXXX, Experian and XXXX for pulling consumer credit reports without authorization. My credit score has dropped substantially because of unauthorized inquiries,

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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ftc violations attached The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.

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 2016-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, 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 2017-01-19
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
They will not allow me to get lower payments. I ca n't afford XXXX a month single mom. They call me at least 8xs a week

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have an equity loan with BOA for the last 15 years in the amount of XXXX which will endon XXXX XXXX, 2015 with never a late payment. I now have notice from BOA that my newpayment after XXXX XXXX will be XXXX or XXXX times the previous amount. Is this amount? 
fair? I have a XXXX year old father who will be out on the street if this happens.Please adviseme.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to the credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA 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 2019-12-03
Company: Experian Information Solutions Inc.
State: AR
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: Problem with personal statement of dispute

Complaint:
I had some error on my credit report disputing it but they said it was accurate the problem is on one of them they didn't get my last name right with the Dr so they could charge my insurance instead they put it on my credit and the other problem is they have XXXX account listed 2 times on there when it's only supposed to be once. The other name was XXXX XXXX something like that

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 2022-04-15
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I attended the XXXX XXXX school located at XXXX XXXX XXXX, XXXX, PA XXXX. To attend this for profit school I had to take out private loans. Theses loans were at extremely high interest rates because I was a young adult with no established credit history. Some of the loans interest rates were as high as 13 %. I am not asking to have all of the loans forgiven. I am just asking for some reprieve on the increase in the loans due to the insane interest rate over the years. I last attended and completed this school in 2006 and I have been dealing with the pain of making payments on a loan that will never go away because of the high interest rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named TD Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old TD Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that TD Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: Northeast Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company has been harassing me and my family. Calling me at work and threathen to take me to court for an account I do n't even know what is about. They call me at work and they do n't want to give me any information. Also They talk to me in a very rude and not proper way. Making me feel afraid of what they say that could happened to me. Keep harassing my family as well. I tried calling several times and the lady XXXX was rude and did n't wanted to give me information of the company. They call from local numbers and this number XXXX ext XXXX REPRESENTATIVE : XXXX AND XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-04-15
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a covid forebearance. On XX/XX/21 I was notified during my call to Flagstar Bank that I qualified for an ALM and was given the new monthly payment and interest rate. I was told the paperwork would be sent to me soon and for me to continue making my payments until then. To this date I have never been given the paperwork for my loan modification. I call Flagstar every 2 wks and am told each time that it is pending with " underwriting '', not to worry that I am still protected from foreclosure, etc etc but the collection calls and letters continue and I don't understand why I have not been given the paperwork to begin the terms of my new mortgage. In one of the many calls I was advised I was not approved for an ALM but a regular modification but the reason why was not explained. In another call I was advised that this loan modification has actually been approved since XX/XX/21 ( I was not notified until I called on XX/XX/21 ) so I can not understand why it's taken 6 months to receive my new loan agreement. My family is struggling during this difficult time and it is especially stressful to have no written documentation of what I'm being " promised '' over the phone.

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 2020-04-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been trying to resolve a disputed balance with Chase credit card. I filed for Arbitration for disputed amount with XXXX XXXX XXXX on XX/XX/2020 according to Chase credit card agreement terms. Chase did not respond to the arbitration request at all. This is a violation of our credit card agreement. Attached is a letter sent to Chase on this matter by XXXX XXXX XXXX. Chase has to pay the fee and proceed accordingly. If not, Chase should eliminate any disputed balance plus any fees/interests associated with it and reimburse me my arbitration filing fee of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In 2009, XXXX XXXX we unfortunately lost our home of XXXX years to a fire. Within a day XXXX we contacted our mortgage company to inform them of what happened. The representative informed us we would be placed in forbearance. They gave us the run around and we turned to an attorney within a couple months due to going in circles with these people. Over the next XXXX years we fought for payment of the house and personal items. Our attorney asked us for the forbearance letter. We had no idea what she was talking about. The mortgage company, Bank of America, was attempting to take the balance of our insurance money to the tune of approximately {$43000.00}. Our attorney said we should stop the bleeding due to the mortgage company adding up daily charges. The mortgage company said that we have n't made the payments. How in the world in just XXXX months can we owe an additional XXXX $? Would n't they be held accountable for not sending the required paperwork in this situation? I would like to see my $ XXXX plus interest given back to us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Flagstar Bank in the spring of 2019. We have never been able to get our insurance payment included in our escrow payment even though we had it setup this way with the original lending bank. Flagstar continues to collect escrow payments that include money for insurance but we can not get Flagstar to setup the insurance portion of the escrow account. Both our insurance agent and myself have faxed, emailed and used the insurance link provided by Flagstar to upload the requested insurance documents. Between our agent and myself we have done the requested sending of documents in excess of 10 times. None of these attempts has resulted in Flagstar setting up the insurance portion of the escrow. We ended up paying for the insurance with our own funds last year and then waited for Flagstar to perform escrow analysis and refunded our overage ( should have been used for insurance ). It is impossible to get someone with any knowledge to take care of this issue, I call speak to someone and take their name and when I call back a few weeks later the person is no longer with Flagstar and insurance is still not setup.

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 2019-12-04
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was removed from my credit report years ago, has aged out of the statue of limitations and now has re-appeared for no reason without any verification. This is also reporting as an open account when the date of last activity is over 4 years ago. I do not owe nor do I have a signed contract with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Provided your company with identity theft documents, affidavit and verification documentation. My credit file still contains unauthorized and inaccurate 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 explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 explanation
Consumer complaint received 2016-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Bank of America- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Bank of America. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Bank of America mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Bank of America. Here is the kicker -- -when I returned I called Bank of America to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Bank of America. Fraud on their part to take a consumer for more money.

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