BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX submitted a form to TransUnion to delete item with account # XXXX - XXXX XXXX XXXX, which was opened XX/XX/XXXX. This item is still being reported on TransUnion report as closed but needs to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-27
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received your attached default notice XXXX XXXX, 2016. 

We are in the process of applying for a loan with Keep Your Home California and ask that you please wait 45 days before taking any futher foreclosure steps.

Company response to consumer: Closed
Consumer complaint received 2015-11-10
Company: Westlake Services, LLC
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have been having some issues with small errors on my credit report dealing with addresses that I never lived at showing up on my credit. I was a victim of fraud and I do not wish to have to deal with things showing up in m name again that I did not buy or lease. Please remove the following addresses : 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

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 2022-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance wi the fair credit reporting act, XXXX XXXX XXXX XXXX account number XXXX has violated my rights and HIPPA violation 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 an 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 explanation
Consumer complaint received 2022-04-17
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022, I received notification that a credit card on my account was located out of state. I figured it was a fraud call so I logged into my online banking and in fact saw a list of transactions that were not done by myself or my authorized user. We confirmed that both of our cards were in fact in our position and were unsure what had occurred. We called chase and they informed us that 2 different cards were issued out in my authorized users name, one we received and the other we had no knowledge about. They quickly shut down the cards and issued a temporary credit for all the fraudulent charges and sent over 2 new cards. Fast forward to XX/XX/2022, Chase notified me that out of all the fraudulent transactions they are only accepting the claim for 4 of the transactions. I informed them there must be some type of error because those 4 transactions that they accepted occurred in the same timeline as the other fraudulent charges. They requested further documentation, I submitted a police report with the fraudulent acts and Chase is still giving me a hard time resolving this. Chase isn't resolving a dispute about the purchases and they quickly rush me off the phone every time I call in to inquire about it. When I opened up the account I was told " Cardmembers are not responsible for unauthorized charges made with their card, and we encourage customers to alert us if they notice anything unusual with their account. '' So why are they giving me such a hard time? I have been using my card religiously and make all my payments on time. This is not fair and it has brought an unnecessary level of stress and anxiety on myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: TN
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:
My credit was rejected the day before closing on a house. The only new information that showed on my report after this happened was two reports by XXXX for accounts that belong to my son and daughter. Since it cost me a home purchase, I was disappointed that all three credit reporting agencies ( XXXX, XXXX, and Experian ) failed to validate that this was my account before adding it to my report. When I notified all three credit reporting agencies, XXXX immediately removed the two XXXX reports ; however, Experian is still waiting for XXXX to respond and XXXX closed the dispute, stating that they verified that the accounts are mine. XXXX has no intention of removing the XXXX accounts that do not belong to me and Experian may follow suit. These are apparently accounts for some type of lab that a doctor ordered for my son in XXXX and my daughter in XXXX. My son was XXXX XXXX XXXX and not covered on my insurance in XXXX and I would not have been with my adult son when he went to the doctor. My daughter was XXXX XXXX XXXX and covered under my insurance as a secondary insurance in XXXX, but I also would not have been at her doctor appointments either. Since I did not attend these appointments, and even my children would not have known whether the insurance would cover the lab work, I had no way of knowing that these charges existed. I have no idea why XXXX is suddenly adding my children 's bills to my credit report, or why they haven't reached out to my children or reported these on my children 's credit reports. I do know that the accounts do not belong to me and I did not know they existed, even my adult children would not have been notified if their insurance had determined a lab charge to be incorrect or not allowed. There is no logical reason for the XXXX credit reporting agencies to add these collections to my report, causing me to lose all of the money I paid toward inspections and appraisals on a home I was one day away from closing on. Currently, there is absolutely no way that XXXX could have possibly verified these account as belonging to me, yet they refuse to remove them ; and worse still, there is no way of knowing when the XXXX credit reporting agencies might decide to allow collection agencies to add someone else 's debt to my report again. XXXX does not have ads everywhere promoting their paid services, but XXXX and Experian do ; maybe to them, allowing these types of false claims will force consumers to pay for their premier services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to Seneca Mortgage Servicing LLC ( NMLS ID XXXX ) effective XXXX/XXXX/2016 from another loan servicer. The Seneca Mortgage Servicing LLC transfer letter indicated I could use my bank 's bill pay program for payments. However, Seneca Mortgage Servicing LLC rejected XXXX bank bill payments scheduled in XXXX 2016. I called Seneca Mortgage Servicing LLC Customer Service on XXXX/XXXX/2016 and XXXX/XXXX/2016 after the XXXX payments were rejected. The explanations provided by XXXX ( XXXX/XXXX/2016 ) and XXXX ( XXXX/XXXX/2016 ) in Customer Service were not consistent with the transfer letter. I was told by XXXX Seneca Mortgage Servicing LLC does not accept bill pay payments from the borrower 's bank for a newly transferred loan until after the borrower calls and confirms the loan and contact information. I was later told by XXXX my loan was flagged for research. These unique restrictions were not contained in the transfer letter or posted on the Seneca Mortgage Servicing LLC website. Seneca Mortgage Servicing LLC should have accepted my bank 's bill pay payments for a loan in good standing at the time of the loan transfer.

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 2015-10-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
i disputed charges on my credit card XXXX. and over the last year chase took the money and gave it back XXXX in my favor several times ) its unknown if they collected the money from the merchant, or just found in my favor and returned it, but i was sent a letter from chase stating the decision was " permanent '' and the decision was rendered " final '' meanwhile while chase was making that decision in my favor, i chose to take the merchant to small claims court to recover my personal losses + the money chase bank had recharged me ( since this was a period when the put the charges back on my card ) by the time i actually went to court chase had rendered the decision above & refunded the money, therefore the judge in my case would not order the merchant to repay me, since i was not out money since chase found in my favor, however i was awarded {$2000.00} in consequential damages from my expenses involved in the case, the merchant was ordered to pay this to me, the merchant did pay me however they issued it in the form of a credit back on my original card, chase bank then saw this {$2000.00} refund from the merchant and took the money from me, i called to dispute the money telling chase bank that i could provide documentation that the money was awarded to me as consequential damages, i was asked to provide them copies of the court documents, i did, and chase reviewed them and returned the money to me, as short time later chase took the money from me again and refused to return it., this money had nothing to do with chase bank other then the merchant pulling a fast one and returning it on my credit card from nearly a year old transaction to avoid a credit card fee he was charged on the original transaction, as of today chase bank has taken {$2000.00} from me and added it to my balance and i am getting charged interest everyday, they will not discuss this matter when i call, even though they have found in my favor

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i check my credit report and i see unauuthorized inquirys for equifax i file a ftc report they still want from them frm my report they are XXXX of them XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all dis was not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXL # XXXX, XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold account in XXXX at a branch under the promotional offer of getting {$500.00} for depositing $ XXXX or more with the requirements as follows : 1 ) depositing {$50000.00} within 30 days of account opening. 
2 ) Keep the {$50000.00} in Checking for 30 days from deposit. 
3 ) The {$500.00} cash bonus will post XXXX calendar days from the date when all requirements are completed. 
I also confirmed my eligibility for the offer not once or twice but thrice including an email proof to a banking rep at the time of opening. 
I was n't rewarded that credit as expected within 3 months of account opening so I put in an investigation which confirmed I would be getting the credit of {$500.00} as I have met all the requirements by XXXX XXXX. ( The promotion code : XXXX ). Confirming reference : XXXX. However, I was n't credited the amount even on XXXX so I opened another investigation on XXXX XXXX where they confirmed they would let me know about my eligibility and credit by XXXX XXXX, which did n't happen either, so On XXXX XXXX when I asked they mentioned the investigation will take indefinite amount of time for which I do not want to wait any further as I feel cheated since I have all necessary proofs and confirmations from past confirming my eligibility and it should n't take long to credit the amount instead of making customers call and follow up so frequently, which is not only a bad customer experience but also seems like a fraudulent practice where you are promising a certain amount to maintain customer loyalty and not crediting the expected amount as promised. This is the reason why i am filing a complain here through CFPB so customers are aware of this practice and the citibank can try to be honest about their practices.

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 2016-01-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My employer XXXX deposited my payroll check on XXXX/XXXX/XXXX, Chase advised me that the funds would be sent back to the originator because the account was closed and there is nothing due on the account. I contacted my payroll department and they advised me the funds were not sent back to them. I have had to fight with Chase since XXXX/XXXX/XXXX to get my payroll check from them as of today XXXX/XXXX/XXXX I have not received my payroll check of {$310.00} even though I have called every week about it and was asked what high school did I attend and if you do n't answer it correctly for them then they can not answer your question. I informed Chase last week that I would contact the CFPB if I could not get my payroll. I was then transferred to the executive office and then transferred to another department where they gave me the tracer number. XXXX researched it and was told due to the privacy act chase will not release any information on this account. It 's the new year and I still do not have my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: HI
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:
Im filing a complaint against XXXXXXXX XXXX  for misleading and improper use of my credit report. 

On XX/XX/XXXX I called XXXXXXXX XXXX to inquire how a mortgage calculator works. My home 's mortgage company sent me there. While making a general inquiry with XXXX  they pulled my report without my clear knowledge of why and for NO VALID REASON. This resulted in the Hard Inquiry I'm disputing. I have written the company half a dozen times to complain, and have complained with all the Credit Bureaus 6+ times each. No one will listen to me and remove the invalid Hard Inquiry.

In no way was I seeking credit with XXXX XXXX or seeking any of their services. 



XXXX XXXX ssn XXXX birth XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My Bank of America checking account was hacked on XXXX and {$41000.00} was stolen from my account via wire transfer. I filed fraud claim XXXX with Bank of America on XXXX. This claim was denied by Bank of America via a letter sent to me dated on XXXX. I closed this checking account and opened a new checking account on XXXX. On XXXX, new checking account opened on XXXX got hacked, {$50000.00} Debit withdraw from Bank of America in XXXX  XXXX and {$12000.00} via wire. {$62000.00} was stolen from my XXXX checking account this time. I filed fraud claim number XXXX on XXXX. This claim status is pending.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage that was purchased by Ocwen Loan Servicing many years ago, I never agreed to do any type of business with this company. It was on or about XXXX of 2014, when I had some damage to my home. I put in a claim with my homeowners insurance company, The did everything that they needed to in order to issue a check for the damage. This check was written to Ocwen and myself. according to Ocwen, I was instructed to complete the needed repairs, paying all repairs from out of pocket expenses. I informed ocwen that I was not in a financial position to do this. they refused to sign the check and allow me to pay a contractor. At this time the home was no in any condition to reside in. I was forced to leave this causing me to not be able to pay the mortgage cause i had to pay to live elsewhere Since then they have placed my account with an attorneys office for foreclosure. I told the attorney that i would sign off so they can just take the home. Ocwen has been calling me up to XXXX times a day even after i have talked to a rep they would continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan is being repaid through Navient. I 'm on a graduated payment plan, which I can not afford, and they told me there is no other options for me.

Company response to consumer: Closed with explanation