BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The collection agency is reporting a open judgement on a credit card ( XXXX XXXX ) The account in question has been settled in a chapterXXXX that was discharged in XXXX 2014. I have since obtained XXXX XXXX cards and know for a fact that if it was n't paid I would n't have XXXX cards now. I think information should be updated like it is on my other credit report but silly me. In the times of all this computing power it should be instantaneous but they make hardships on people who have it bad enough reporting old or outdated information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-03-31
Company: FIRST CALIFORNIA MORTGAGE CO., INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I lost my home purchase due to lender completely ignoring my loan. My loan went into underwriting on XX/XX/XXXX and was suspended due to my XX/XX/XXXX income was lower. Underwriter asked for a letter of explanation regarding my income. Underwriter got to my file again on XX/XX/XXXX. According to her since my income dropped over XXXX % I need to meet an extenuating circumstances, which according to her HUD did n't see XXXX leave as an extenuating circumstances. So, she moved my file to her manager pending on denial. Once I new she was not taking the letter, I called HUD and per Hud they see maternity leave as hospitalization. Now this happened in XX/XX/XXXX, I 'm applying for a loan in XX/XX/XXXX. I have not filed XX/XX/XXXX yet because I wait till XX/XX/XXXX. So after calling, emailing from XX/XX/XXXX, the Broker was able to talk to the underwriter manager XX/XX/XXXX, turns out underwriter never put my file in her managers pipeline and she was able to review it briefly and said I never needed an extenuating circumstances and she should just do a manual underwrite. Send the file back to the original underwriter. At this point they new I had a notice to perform and only had 2 days. This was a Friday. Not even because she dropped the ball and never put in the managers pipeline and and never need e to meet an extenuating circumstances she bother to rush my loan. Monday came and nothing, no emails no calls no status at all, as if I never existed. Seller cancelled on Tuesday and I finally request for a loan cancelation. I tried multiple times to explain the maternity leave was the reason why my income dropped and she should not suspend my loan for that. Till this day I never heard back from anyone around FirstCal wholesale, I 'm not sure why they decided to ignore my loan without any explanation after manager had agreed the the letter of explanation may sense and she should conditioned accordingly. I 'm not sure how to take this, I ca n't help but take this personal I 'm not sure if I should be looking at this as discrimination. All I know is that I lost the home, I lost some money I the process, my kids are broken hearted. It 's tuff getting an offer accept now a days with a low inventory and prices rising up. I would like someone to look into this, because it feels awful that no one bother to prioritize my loan, as if my loan did n't matte ; so I can meet my the deadlines in my contract. I can tell you that this for sure was not a fair lending at all, it was extremely XXXX a day frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Bank of America is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went to XXXX XXXX ER on XXXX/XXXX/XXXX, I paid my co-pay during the visit. 

XXXX XXXX XXXX XXXX tried to use/bill incorrect insurance information ( XXXX XXXX XXXX ), when I 've had XXXX XXXX XXXX XXXX of Texas insurance since XXXX of XXXX. 

XXXX sold/contacted CommonWealth Financial Systems, they submitted my debt/account to collections on my credit report in XXXX of XXXX. 

I contacted CommonWealth stating I had insurance, they worked with XXXX to resubmit a claim to XXXX of Texas. 

XXXX of Texas denied their claim stating the submission was XXXX months past service date, and I was liable for {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account 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 non-monetary relief
Consumer complaint received 2015-10-29
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am writing to report very illicit actions by Scottrade Bank and their affiliates. Specifically, for a period of at least two years, Scottrade Bank lied to the OCC about their net capital to pass on the illusion that their bank was less than XXXX XXXX in assets. Scottrade Bank and the OCC conspired in a manner that Scottrade Bank was left from out of the regulatory purview of the CFPB and the OCC refused to investigate. 

In fact, during 2013, the OCC and CFPB forwarded complaints back and forth at at least 6 times, with neither agency taking jurisdictional authority over the issues. 

Finally, after months of contacting Senators and the CFPB, Scottrade was finally taken under the jurisdiction of the CFPB. 

However, now Scottrade Bank is refusing to reply to all or any of my complaints, even when the items and disputes are substantially different than previous complaints.

Company response to consumer: Closed
Consumer complaint received 2016-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to deposit a check in my Bank of America account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a " Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this?

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 2017-02-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have had my mortgage with Wells Fargo Home Mortgage for years. I closed on a short sale today. I had tried for the past several years to save my home to no avail. My home preservation specialist was XXXX XXXX. And I use the term " home preservation specialist '' very loosely as he was never of any help. Very rarely responded to any of my inquiries. I asked many time to deal with someone else at WFHM and once again. my requests went unanswered. I have called XXXX XXXX every day since last Thursday, XXXX XXXX as I am requesting relocation funds as my home is closing in a short sale today. He HAS NOT responded. I am going to temporarily move in with my daughter but I should be eligible for relocation funds from WFHM. I think it 's disgraceful, immoral and illegal not to provide relocation funds so that I can move. I would like a response and an explanation as to how I will receive relocation funds. Thank you. My loan number is XXXX My name is XXXX XXXX XXXX XXXX Court Cinti Ohio 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 2017-03-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our XXXX and wired {$15000.00} to his Chase account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, 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 Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: ALLY FINANCIAL INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ally is making is very difficult to dispute debit card charges. On the phone they push you to dispute transactions online but the dispute website is non functional and does not let you submit the form. They have not responded to my message about this and ignore the situation.

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 2016-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Tried to get my report form transUnion and they wanted to charge me a fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today, I noticed a drop in my XXXX score from XXXX to XXXX. I investigated what caused the drop and discovered that Barclays had reported my account as delinquent at least twice over the last few months. I paid my Barclays card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired Barclays card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the Barclays account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my XXXX XXXX. 
It is my belief that Barclay intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is zero and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both Barclays for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my XXXX XXXX, or the {$48.00} Barclays charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my XXXX XXXX means nothing to these behemoths.

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 2016-05-30
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled with XXXX XXXX ( XXXX ) University, XXXX, XXXX campus. XXXX 2015. I am getting collection letters and calls after I withdrew from their campu in a timely manner. I tried to reach out to the advisor who did the enrollment and explained to her when I started getting emails from class information about attending classes on campus. I explained to her my classes was to be online due to my working schedule and travel from my job. First I applied for interest in a XXXX campus which was on my way home from my job. This campus went in and stole my information due to they saw my address and called me in to see their campus. I did only because I thought well I do live near by I can take the classes online. Well I went and there was a storm in our area but I wanted to keep my word. I was rushed given a bag of campus goodies, decals, pens, pencals, mouse pads etc. took a ID and parking pass. entrance exam etc. This was for a fall classes section. However after getting emails that the classes would take place on campus I reached out to the advisor and explained I would need to withdraw I could n't attend and also that I could n't get the financial aid through my employer at the time. So my emails and calls went unreturned by the advisor who did the enrollment. Then I got a call from her boss and was told I need to speak with financial aid office I then realized they wanted to make sure I did n't owe them money. I started to see their scam and thought to myself how could I this man told me I owed this school {$560.00} yes this amount and after I told him I was n't paying this amount and I would need a itemzed bill a break down for what this is for. I explained I never took a class, bought any books, anything nothing. So than after a few weeks, month went by and I got a call from a headquarter 's office in XXXX and explained all of this again to a gentelman who told me to go over to the campus and tell them what happen and I said, no. That my emails, should be enough, my phone calls and letters to the financial aid office should be enough. I explained to him that I did the same with XXXX and when I got a letter that from the federal student aid office my student loan was in default and I was not going to be getting a default clearance letter to attend their school I had to withdraw they were understanding. I did n't get a bill for {$400.00} or {$300.00} dollars. This is crazy for a bag of goodies which I can give them back really I do n't need to pay them for a bag of pens. Thank you for your help in this matter.

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 2022-05-31
Company: Experian Information Solutions Inc.
State: CA
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, has violated my rights. In accordance with the Fair Credit Reporting act XXXX 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 non-monetary relief
Consumer complaint received 2022-05-31
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 REVIEWED MY CREDIT REPORT AND I NOTICED FEW ITEMS WHICH ARE NOT MINE. I HAD MY WALLET STOLEN, SO I BELIEVE, THAT I WAS VICTIM OF IDENTITY THEFT, I HAVE NEVER SIGH ANY AGREEMENTS WITH THESE COMPANIES,.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated from a graduate school with {$95000.00} owed in XX/XX/XXXX. I did n't know about interest rates which was 8 % and was told this was n't bad. I struggled a few years and the loan company was glad to help defer the loan for a few years. 
Since paying it back, I still could n't pay the full amount so they were also very willing to set me up in the IBR program, which I am still in. I have been paying back in the IBR program for 12 years and have probably paid close to the {$95000.00} if not more than I took out but I actually owe over {$180000.00} because of the high interest. 
In XX/XX/XXXX I met a third party company who promised me to get me into the PSLF, or the public service forgiveness program because I work in the medical field and provide a lot of public education and service. I paid them {$1000.00} and switched to another loan company, Navient from XXXX loans who said they would put me in this forgiveness program which is a 10 year program. 4 years later they tell me that I can not be in this program because my business I work for is not a non-profit, and the IBR payments that I had been paying which is forgiven after 25 years and I had been paying for 13 years, started over 4 years ago when I switched loan companies I feel that I have paid a lot ( as much as I had borrowed ), but I still owe twice as much as I had borrowed, and I do not see any clear skies in the future for me. 
Is there any help or advice you could help me with?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
After over ten years of having my cellular phone service with XXXX, I ended the service with them XX/XX/2014 via landline phone. My account had a XXXX balance when I closed it. I kept my phone number and signed up with XXXX. XXXX did not close my account but instead charged me a " re-connect '' fee as well as an additional month of service. I have called them numerous times to dispute their unethical conduct, waited on " hold '' for over 20 minutes on some calls, all to no avail. It appears they outsource their service calls and ironically, there is a complete lack of communication. Since their recording says that the conversations will be recorded for " training purposes '', I have requested they review their recordings of our conversations as it would reveal that I have indeed requested the closure of the account when it had a XXXX balance. I had the collection removed from my credit report, only to find that the " collection '' has been sold to another agency and it is on my credit report once again. Although it is only {$120.00} it is the principle of the matter. I do not owe XXXX anything, but it is difficult to fight against this giant as a simple everyday consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed