BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX Mountain America Credit Union notified me that the person I co-signed was in default on the signature loan. I told them I no longer had any type of communication with that person. They let me know options and I asked them to report that to him instead of me. I asked to pay it off but if I could apply for it on my own so he would not get the credit they said they could not do that so I did not do anything. 

XX/XX/XXXX my husband and I went to buy a truck but noticed the XXXX collection was the only negative so I asked to do a settlement for {$400.00} when the total owed was {$440.00}. I never received notice they got my offer through email and no one followed up. I had to call each day for two weeks to see where it was and what was happening. Finally a lady called and threatened me and was telling me if I did not pay in full they would charge off immediately ( still wasn't 180 days late ) and they were pulling my credit ( without authorization ) and could see I was delinquent on things. I explained this was the only account I've been delinquent on in almost 10 years, I was only a co-signer and my auto and credit card through them has never been late. I spoke to her manager and he said they could not accept the offer as they'd be losing too much money, I asked {$44.00} was a lot of money? He then went on to say to just pay on it normally. I told him I've never seen the bill since they took it off my account because I was just a co-signer, never received any type of bill from them so how would I know how to pay it. 

I still have not received the bill that he said he would send on XX/XX/XXXX but called in and made a payment by phone after being transferred to various people who had no clue what was happening and come to find out XX/XX/XXXX that they froze all my accounts because of this {$380.00} collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have wrote to you all about this complaint and you wrote to the company and the company responded back saying that it would be closed and removed from all credit reporting bureaus. Now its showing on my credit report that it has been paid in full but has not been removed. The statute of limitations is up on this account this is an account from 2009.

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 2022-08-29
Company: EQUIFAX, INC.
State: MO
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 ordered a copy of my updated Credit report from XXXX and upon further inspection, it is clear that the Credit Bureaus have not fully removed all the disputed Fraud items from my Credit Report. It is clear that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Reporting Agencies are required by law to remove any account and informattion which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureau and the bank 's records. Please remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Please remove the following items from my Credit Report : 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 XXXXXXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed ; {$4400.00} XXXX XXXXXXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My husband, who is on my account, had requested a refund of 5 digit refund back in XX/XX/2022 from CapitalOne. Two weeks later we called to find out what happened to the refund and they stated that they refused the request because I did not make it myself. So, I authorized the request for a refund myself. Now almost three weeks later I still have not received a refund. What are my options? Now they are telling me that it will take another two to three weeks to get my money. I want and need it now. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRUIST FINANCIAL CORPORATION
State: AZ
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:
Reached out to the company not once but twice with no resolution. Was informed they would get back to be with a set time frame and never did. Someone is using my information to acquire a loan fraudulently and they dont seem to be taking this seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
i deposited XXXX dollars in CASH in the account on Saturday XX/XX/XXXX at XXXX at XXXX MD XXXX The ATM machine took the money and printed out a slip but it said incomplete transaction No funds appeared on the account I called immediately and they told me that they see the deposit but there seems to be an error but it will be sorted I told them that I DO NOT HAVE THE MONEY to WAIT for 10 days because I need the money for my BILLS and my GROCERIES I have an infant at home who needs MILK I deposited CASH not a check They said it will be resolved soon Monday morning I asked my wife to call on behalf of me she is an authorized person on the account She has an account with PNC as well, she recommended PNC to me She has called on behalf of me several times Today when she called after 25 minutes the rep told her they can see it they dont know what happened My wife explained we need the cash but transferred to an incredibly rude woman named XXXX XXXX who said we dont know who we are talking to to my wife although we gave her all the information and I have authorized on the account She then was rudely refusing to help us and provoking us because we are already upset that PNC took cash telling me come to the bank I DO NOT HAVE THE CASH TO COME TO THE BANK I could not go to work today because I do not have the cash I just want my cash back XXXX put us on hold for 50 minutes and changed the subject from THE MONEY PNC TOOK to my identity being questionable I called again and spoke to a man named XXXX who avoided giving me his name and after 10 minutes he did the same thing. The bank keeps telling me this is the prosedure when a dispute is filed. I work day and night to earn money and feed my family. I deposited CASH. am i supposed to tell my infant that she cant have formula because pnc has a prosedure? the service my wife and I for from the bank is appaling. I think they probably think we are poor people so we dont deserve to be treated with respect. I earn every penny I get. My wife is pregnant and in school while taking care of the baby because we are working to make a better life for our family. It maybe a small amount for pnc but that was grocery money for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have received XXXX college degrees and working on my fourth, while in the pursuit of my second degree I took a break and then restarted resulting in some out of pocket expenses. The loans I obtained in the pursuit of my degree. Therefore I owe all of my loans to one lender and I can not also still owe the collection agency, their database was never updated when I returned to school and completed my degree to become a nurse. The above mentioned company is Reliant Capital Solutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
TransUnion stated XXXX XXXX XXXX XXXX XXXX, XXXX XXXX xxxxxxxx XXXX, XXXX XXXX XXXX XXXX Credit Card account # XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last activity is inaccurate, and the date last reported is not accurate, high balance inaccurate, last verified inaccurate, closed date inaccurate. This is grounds for removal. THE FCRA LAW STATE EVERYTHING HAS TO BE 100 % ACCURATE OR THE ACCOUNT HAS TO BE REMOVED. TRANSUNION HAS NOT CONDUCTED A PROPER INVESTIGATION BECAUSE THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. TransUnion ( PERSON ) has violated MY CONSUMER RIGHTS UNDER 15 U.S. Code 1681b ( a ) ( 2 ). I the consumer never gave my written permission to TransUnion the person to furnish anything on my consumer report. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TRANSUNION HAS ALSO NOT FURNISHED THE ACCOUNTS ACCURATELY ACCORDING TO METRO 2 COMPLIANCE STANDARDS. SEE ATTACHED LETTER.

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 2023-01-05
Company: EQUIFAX, INC.
State: LA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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, 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 non-monetary relief
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge nor did I apply for these credit accounts. I ask that the items be deleted to correct my credit report. 
I have reported the theft of my identity to the Federal Trade Commission, I have also informed all credit reporting agencies, will be requesting a fraud alert, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer credit reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.

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 2016-01-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
What justifies CEO XXXX XXXX To get such a large increase in salary and all the other Executives in JP morgan banking. To have a XXXX dollar salary is not justified to throw at someones salary. HOW MUCH IS ENOUGH. Charge higher rates on credit cards, higher rater on ATM fees, higher rates on small buisness checking accounts, mortgages etc, so the people trying to makie a living go in to debt and all the chase excutives live like XXXX.WHAT IS WRONG WITH YOU PEOPLE HOW MUCH IS ENOUGH. HELP THE LITTLE PEOPLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I requested a consolidation loan online from Nelnet. Nelnet sent a printed summary sheet to my home address, which included a proposed consolidation loan amount more than {$23000.00} in excess of my current loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is incorrect information on my report when I dispute it, I was mailed a letter stating that is was verified, when there is no way the could 've verified it, I contacted the clerk of courts and they stated they do not verify anything over the phone or by mail the only way would be to come to the office with the social and it was actually have to be the person in question.

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 2022-05-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made a Chase Travel purchase {$460.00} on XX/XX/XXXX and should get {$50.00} annual travel credit as part of Chase Sapphire benefits. On XX/XX/XXXX and XX/XX/XXXX, I contacted Chase Sapphire customer service twice inquiring about why i did not get the {$50.00} credit, on both occasions were told the charge was not eligible due to the date. After conversation with a manger, he said it should be eligible so submitted an escalated ticket on the issue. 
On XX/XX/XXXX, without getting response after one month, I called customer service again, this time a manager said the date is eligible, it's the charge itself is not eligible. So I asked what about the charge is not eligible, and how to make it eligible next time. She said she does not have the details, all she know is that it's not eligible and they don't need to give me a reason. 

As a consumer, I have the rights to know why a charge is not eligible for the travel credit as promoted - date? Type of charge? Instead of being told " we do not have more information and if you don't have another question, I have to end this call '' - what an attitude from customer service!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-28
Company: TD BANK US HOLDING COMPANY
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:
XXXX  refuses to remove td bank inquiries

Company response to consumer: Closed with non-monetary relief