BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: AR
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2019, I used the quick pay by XXXX using the Chase Mobile application, to send XXXX $ to my wife 's XXXX  XXXX XXXX account in order to pay for the mortgage ( this has been done every two weeks for 2-3 years ). On XX/XX/2019, XXXX XXXX XXXX indicated that the quick pay 'Failed '. We received a successful confirmation on Chase 's end but a failed confirmation on XXXX  XXXX XXXXXXXX XXXX side. You would believe that since the payment failed to be received by XXXX XXXX XXXX, the money would be refunded by Chase, this is not the case. After multiple calls and a claim being opened by Chase, I've been told they should of received a payment failed but they did no, instead the money has left my Chase account and is currently in 'Limbo ' status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX. Chase has closed my account without any reason. I tried to contact Chase and was told that " We restricted your account ending in XXXX for closure because we needed to verify third-party issuance of XXXX checks, made out to XXXX XXXX XXXX you deposited totaling {$7000.00} on XX/XX/XXXX. Since we were not able to complete verification within a timely manner, we closed your account and placed the remaining funds of {$7600.00} in suspense. '' Then, Chase sent me a check for {$660.00} but still withheld the remaining {$7000.00}. I tried to ask the issuers of the checks to recall the checks, however, they were being told that as the deposits had been made, there is no way for the issuing bank to recall or stop the payment. I am requesting Chase to send me more detailed instructions to mitigate this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date  opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I had two mortgages with XXXX XXXX since XX/XX/2021. I had set up the automatic payments on XXXX XXXX  online portal. The payments were always on time to pay monthly. But at the end XX/XX/2021, I found out that in my checking account there were no transactions for mortgage payments in the last few months. So I called XXXX XXXX  and was told my two mortgages had been sold to Suntrust Banks in XX/XX/2021. 
So I called Suntrust Banks and made the missed payments on the same day when I found out the mortgage sale. When I made the payments, I asked the Suntrust representative if these late payments would be reflected on my credit reports. I was told that it should not be since I have made the payments, but if anything showed up on my credit reports I could file a dispute with Suntrust and Suntrust can help me to resolve it. So I filed a dispute anyway to avoid any negative impact on my credit, but recently Suntrust denied my dispute. I felt it was so unfair to me because I had never seen any notices about the sale of my mortgages. Suntrust told me they mailed me and even called me and left a voice message about the sale of my mortgages, but I have never received such a message from Suntrust. In the past 15 years I have never been late on any credit card payments and any mortgage payments. My credit score was always excellent, but now since the several late payments were reported on my credit report, they hurt my credit very badly. Both Previous mortgage company and Suntrust banks have all of my contact information ( including my email, mobile phone ), I am questioning if they did their best diligence to inform me about the sale to avoid late payments. 
I have paid the late payment fees because I indeed was late for a few payments. I am ok with that fees, but all I asked from Suntrust is an one-time courtesy removal of my late payments from my credit reports since I was not aware of the mortgage sales until XX/XX/2021. 
I was very stressed by how the COVID-19 impacted our life and am looking for a reasonable solution to my case from CFPB or Suntrust banks XXXX 
Thank you so much!

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 2017-07-24
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or  XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding  address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day  before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal has permanently limited my business account without reason and is holding my funds from a sale that I made of {$530.00}. 
Monday, XX/XX/2020 I made a sale on XXXX for an XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXX. Total sale price was {$700.00}. I refunded the buyer {$150.00} after the item was delivered because of issues with the warranty of the item. Customer was happy and positive feedback was left on both ends. Paypal placed my remaining funds on hold ( temporary limitation ) and asked me to submit proof of Identification, proof of original receipt of the item & proof that the order had been fulfilled ( tracking confirmation ). I submitted proof of everything yet Paypal still held my funds. I contacted them asking for the funds to be released since I submitted all required documentation and my customer is happy, yet they still kept the hold on the funds. XX/XX/XXXX, I contacted PayPal again because I was told to wait 3 days after the delivery confirmation and my funds would be released, yet they were still on hold. So I contacted them again via the message center but I was informed by the representative that my account had been permanently limited and she couldn't give me a reason. I had done nothing wrong. I didn't violate any terms of use nor did I violate PayPal 's Acceptable Use policy. I simply sold an item of high value. My customer was happy with his item, left positive feedback & was even happy that we agreed on a partial refund. Why is my {$530.00} still being held for 180 days and why was my account permanently limited? 
Account ID : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX   have both completed their research and determined that XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2017-07-24
Company: JPMORGAN CHASE & CO.
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: Old information reappears or never goes away

Complaint:
I went in for procedures to be done and they were not. I had prepaid and the money was to be refunded to Chase. I NEVER made a payment on this account and the money was never refunded even after several calls and visits to get it done. I opened this account in XX/XX/XXXX. This is over 9 years and the insist on leaving this on my credit. I have contacted the credit bureaus and they wont take it off. Chase says I made one pmt around XX/XX/XXXX I think it was. Why would I make one payment? This was clearly another mistake they made by posting someones else 's pmt to my account. They also dont have any proof of this pmt. I want this off of my credit report for good. My credit limit was XXXX XXXX and the card was ran for XXXX XXXX.
I called Chase to get this straightened out and they were playing games for an hour transferring me from phone to phone. I finally hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: Data Mortgage Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is my second complaint to the CFPB. Yesterday I was told and assured by Essex Mortgage company my issue ( s ) were resolved, today I come to find out they were not even close to being resolved so that we could close on our refinance loan. Our XX/XX/XXXX property taxes were neglected to be paid by Essex Mortgage. Stated yesterday XX/XX/XXXX that the property taxes were paid in full including all taxes and fees in the amount of {$4900.00} to the XXXX XXXX XXXX XXXX on Friday XX/XX/XXXX. XXXX XXXX with Essex could not provide an actual receipt but provided us and our lender an email receipt so that we could close our refinance loan. This morning I received a phone call from our lender stating the county has NOT received our property tax payment and in fact the second half payment Essex attempted to pay back on XX/XX/XXXX through XXXX was not able to be applied to our account because the first half of XXXX property taxes were not paid in XXXX of XXXX. XXXX XXXX sent correspondence to Essex through XXXX and they completely disregarded it. This is maddening to me to learn that the county tried to help me and my own mortgage lend once again had complete disregard for their customer. This shows the entire situation could have been resolved BEFORE we ever began the refinance process back on XX/XX/XXXX. So here we are a day closer to the end of the month of XXXX, another day wasted in our ability to close our refinance all because Essex Mortgage has been deceptive once again and not done what theyve said they had done in paying our property taxes to current IMMEDIATELY in the amount of {$4900.00}. It seems like the only way I am able to get any return of communication with Essex is to submit a claim thru the CFPB which is pathetic a complaint has to go through the government before a company will even respond or act on an error they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I froze my credit with acknowledgements from all 3 agencies XX/XX/XXXX, I did not authorize this credit monitoring service, Trans Union refused to surrender any and all information about this credit monitoring to be in accordance with FCRA 609 ( e ). Here is what on my credit report : XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : CREDIT MONITORING Permissible sure had I done it, but I tried to sign up for the OPM hack using XXXX XXXX and was told I had to lift my freeze so they could access it, I decided to leave it frozen being so XXXX thinking FROZEN would only allow companies I had an exiting relationship would be allowed to access it. Not some free or cheap service they offered and XX/XX/XXXX was forced to repay customers almost {$14.00} million and the fine FTC imposed of {$3.00} million for XXXX XXXX XXXX XXXX shady advertisement scheme. I submitted enough information to support my ID theft when I froze my credit, Trans Union and I got into another wizzing contest over the illegal access of my credit report on XX/XX/XXXX, which allowed the criminals access to enough PII to take over my bank accounts which lead to a call at XXXX XXXX Sunday XX/XX/XXXX alerting me to the takeover only cause the criminals tried to send funds to the XXXX. Trans Union Litigation Support Department XXXX XXXX is claiming FCRA states it 's illegal to give a victim the info under FCRA 609 ( e ). Are they really that _____ XXXX? I used a cover sheet that clearly referenced FCRA 609 ( e ), in my emails I stated it, in my phone conversations also. So there is no doubt other than they know they violated FCRA by allowing access to my report by criminals and hoping I would not know there is civil damages due to their actions. I want, no demand that the information is turned over we are WELL past the 30 day limit set forth in 609 ( e ), my next request for assistance will be to my VA senators. I hope everyone understands my stance on this issue, they are more than happy to sell my PII/credit report even while frozen. They admitted on XX/XX/XXXX, they had a gap in their policy/procedures that allowed this to happen, well no _____.

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 2017-07-24
Company: Nelnet, Inc.
State: GA
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:
The company ( Nelnet ) excludes the group loan from your homepage when you have " paid it off. '' However, there was still interest left on the account and they did not issue me a bill or anything telling me there was interest left. When I found it and called they said this was their process and that " Do n't worry about my credit report. It would n't show default for several months. '' The payment was made by the military under a student loan repayment plan so I was unable to tell how the money used for each loan. They applied it to the lower interest loans in order to receive more money from me in the long term with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have been trying to get my credit report since XXXX from all 3 bureaus. My information was exposed in a XXXX data breach and hospital databreach. I have given Transunion everything to verify my identity and address several times. XXXX they had my social number off by one digit, XXXX i was reported as a dead person, XXXX i was asked for more identity verification and same for XXXX. Ive given them copies of everything including my social. 
In the mean time 4 years later i have recently filed identity theft, including medical identity theft and several account intrusions and takeovers. Ive spent over 1000 $ on XXXXXXXX for my children and i, the insurance for that was stolen too. Insurance checks from XXXX and XXXX. Im still waiting for my other medical records, the ones i recieved so far have inaccurate information which i have suffered over and am trying to still correct. i was able to view a small portion of my report recently. Ive seen majority of my activity through XXXX XXXX  that too i was locked out of. There are two phone numbers on there that are clear signs of identity theft because they arent mine. I need a detailed report. It would never allow me to freeze my credit. It only hung up on me everytime ive requested. This whole time someone else has been using my identity and finished paying a XXXX XXXX account two weeks ago.

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 2021-05-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent the communication to this company as follows : National Credit Adjusters P.O Box XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give XXXX any written instruction to do at the request of National Credit Adjusters. This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector. 

Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( 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. 

Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy. 

Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. 
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. 



As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2020. I have never done business with this company. 

I will include the official letter sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Their website is not allowing mortgage payments and putting off paying my mortgage during my monthly bill paying process is a needless hassle, waste of time, and raises the risk of my missing a payment accidentally.

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 2019-11-22
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi my name is XXXX XXXX, Date of birth XX/XX/XXXX, I own a XXXX  XXXX XXXX that was recently damaged due to the natural disaster in XXXX county and have been diagnosed disabled every since.

Company response to consumer: Closed with explanation