BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: LendKey Technologies, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
In attempting to refinance my student loans into a variable rate I was preliminarily approved at Lendkey. In order to proceed I had to acknowledge that I may be required to open an account and that my credit ( soft hit ) would be pulled to conditionally approve me and send to a lender that fit my criteria which I was fine with. Once my preliminary credit ( soft hit ) was run they sent me to the XXXX Credit Bureau out of XXXX XXXX. The XXXX XXXX XXXX ran my credit ( hard hit ), approved me and then sent me a link to open the account that was necessary. When clicking on the link it required that I either be a 1. employee, retiree, or family member of an XXXX XXXX XXXX XXXX, 2. Live, work, or go to school within Washington XXXX, or 3. Pay a membership fee to XXXX of the XXXX organizations that they support. When I called XXXX they stated that a person should not be really referred to them unless I met criteria XXXX or XXXX. While I was willing to open an account and keep a minimum balance or otherwise I was not willing to pay a membership fee to join the credit union to have an account when the purpose of the loan was to save money each month not to turn around and pay it back out to an organization. When I contacted Lendkey back they stated that they do not in any way monitor the requirements to open an account for the credit unions they work with and could not send me to another lender since I wanted a variable rate XXXX was the only one that qualified. If I did n't qualify for an account at the places I was eligible ( AgFed the only XXXX in this case ) and if additional fees to get an account would be required then this should have been disclosed upfront since I would n't have agreed to it early on and would have withdrawn my application on my own prior to my credit bureau ( hard hit ) being pulled. Since my credit had been pulled my score has thus dropped because of the inquiry. Therefore Lendkey misled me as a consumer and had no other options when the only credit union they could send me to was going to cost additional fees. They said if I was n't willing to proceed they would withdraw my application which of course they did after I said I was n't willing to pay fees to an organization I was n't interested in.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
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  Accounts # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I called Amex said my XXXX ACH wouldn't link and caused error. My XXXX XXXX was supposed to be ACH but didn't code as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Unifin Inc.
State: IN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was contacted by Unifin to collect a debt for a payday loan. I advised that I could not pay the debt at the moment but intended on paying it. I was told that they would proceed with legal action because they had the information they needed to do so. I was told that as soon as I pay it, I would be able to borrow again. I was also told that if I had a negative reporting, they would delete it. The first date did n't work for me. I called back today XXXX XXXX, 2016, to clarify what I had been advised. XXXX offered me another settlement. When I asked how soon I could borrow, I was transferred to her manager. He advised that as soon as I settled, I could borrow. I paid the amount and was told that I would receive the settlement offer & receipt in an email. I did n't receive anything. Borrowing quickly was important to me because I had to take my daughter out of town to a specialist the following day. So, I paid the amount. When I went in to borrow, I was told that I could n't. When I called Unifin back, I was then told by XXXX, it would take XXXX 60 days. This was misleading and deceptive. I asked if all of their calls were recorded. She said they were. I spoke with them a total of 4 times in 2 weeks. I encourage them and other governing agencies to listen to those calls. I am probably not the only victim of their unfair and deceptive collections practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Guild Mortgage Company LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am upset and disappointed at how Guild mortgage has handled my loan, and my request for payment assistance. I have a foreclosure sale date for  XXXX   XXXX ,  2017, I  fell behind due to unseen circumstances, and I could not pay my mortgage payment. I told a representative from Guild mortgage that due to loss of income, I needed a more affordable mortgage payment. After fighting for my rights as a homeowner with Guild representatives, I was finally offered a modification. The modification offered to me brought my mortgage payment higher and I was informed it was an FHA or HUD disaster relief modification program. My home has not suffered any damages, and there has not been any disasters around my area why was I approved for this modification? I have read the guidelines for this program, and due to a disaster they bring the mortgage payments down. It does not make sense to bring my payment higher and make this offer. My home needs repairs but there is no serious damage due to a disaster. I can send proof that my home has not suffered any damages. I made no payments on this offer due to the higher payment. I called last week on  XXXX   XXXX  asking how much time they needed in order for me to submit a complete modification packet before an auction sale date. I was told that they would not review any packets due to FHA offering me a modificattion already. That I had to w ait two years  in order for me to reapply. This is absurd!! I have never been through so much stress with a company. All of this has made me thing that Guild mortgage engaged in fraudulent and deceptive practices. I dont want to lose my home, Guild made an offer without reviewing my income and expenses, they just made the offer with a higher payment. I keep falling further behind, and all I am asking is for a fair review of my financials and for Guild to postpone my sale date while I submit documents. I am asking  for FHA/ HUD to give m e an opportunity to submit a complete packet. Its impossible for me to wait two years, my home is about to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a free credit report. I noticed Chase mortgage has been making inquires into my credit every month for the past 2 years. However, I have never applied for credit with Chase for a mortgage.I have called and spoke with representatives who have said I did n't know what I was talking about and I must be confused. I asked for a manager to call me back but no manager has.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: GA
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 acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # 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. 1681 section s-2 ( a ) ( 1 ) ( A ) states 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 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 2022-04-11
Company: EQUIFAX, INC.
State: MS
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 account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  XXXX account # XXXX XXXX  account # XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This account goes back to  XXXX   XXXX . I was mislead and misinformed by the above described company and its online representative about their loan product. It seems to me that this company prey on individuals who they know ahead of time that they are not able to pay these loans. After further investigation into their practice I found out that their interest rate is ridiculous and unimaginable and should be illegal in America after the  XXXX  financial reforms. I have asked the company to close this loan several times to stop it from incurring huge amount of interest.   I am urging your department to investigate this company and others online who are practicing these scams and putting struggling families in debt knowing they are not able to pay these loans.   in  XXXX  or  XXXX   XXXX  CashNetUSA offered me a settlement of paying 75 % of the loan in full and then another settlement of paying 50 % of the loan in full because they knew all along that their practice is shady and their interest rate is beyond imagination.   According to  XXXX   XXXX  the consumers in America have demanded all along the federal government to investigate these companies and shut them down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Macy 's always charges {$2.00} ( as " minimum interest '' ) each month even AFTER the remaining balance has been completely paid off. Is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: CA
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:
My bday is XX/XX/XXXX. XXXX has it as XX/XX/XXXX. Ive sent numerous complaints to them & Experian & heard NOTHING back. Oddly enough, last year n XXXX I was an ID theft victim XXXX no doubt, my bday was listed as being on the XXXX then, too. XXXX, I filed my XXXX taxes with a XXXX from XXXX & everything went pretty much fine BUT this would DEFINITELY explain why I dont have credit history, despite paying off a car from XXXX XXXX XXXX XXXX that was financed in my name 2 years early & having the same cell # for XXXX years & not being late for one payment. Now, I cant change my DOB for some reason.

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 2022-09-02
Company: U.S. BANCORP
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
US BANK Issue Account not closed and available balance not mailed to me On XX/XX/2022 spoke to a supervisor XXXX. I instructed XXXX to close my account and send the available balance to my address. On XX/XX/XXXX, I called the bank and discovered the account was not closed and the available balance was not sent. The customer service person I spoke to informed me that the account was not closed and there was no check mailed to me.

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 2022-04-11
Company: Nelson Cruz & Associates LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
My credit was checked last month by XXXX XXXX. They denied me. I did not understand they gave me a copy. it was the worst!! it had the name XXXX XXXX, than I new someone was using my identity Because the name, there were several different addresses, and many inquiries, I would not even think of applying to. My legal name is XXXX XXXX XXXX XXXX, This is the name I use. There were three collection accounts that were not mine. One for {$310.00} for cash checking, other {$1000.00} for XXXX third account just recently appeared from a Nelson cruz for {$130.00}, One negative account from XXXX XXXX, account # XXXX. I was so upset I filed a police report. Nelson cruz is not on police report, it popped up after. i didn't know I could put the inquiries and addresses on pd report. I also disputed them. I cleaned up my credit report somewhat, However Nelson cruz is still on my report, So is the one XXXX This information is from XXXX and XXXX Only god knows what is on the XXXX 
As for my only 2 closed credit cards accounts, XXXX XXXXr and XXXX XXXX I am responsible for these I became XXXX and could no longer pay. I tried to get the credit protection plan for XXXX I submitted the forms for dr. to sign. She never did instead I find out they were misplaced. time passed I forgot about themXXXX XXXX XXXX XXXX. So my account was closed. I reached out to XXXX, I submitted dr forms. I also requested to reopen my credit card account So I Am waiting to see what happens. With my first digital My payments on account are current, I paid past due and monthly payment. I also requested to reopen my credit card account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Fay Servicing, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Was with a mortgage services prior to this one, I was in a modification that I was told would be permanent, last year they raised my payment and interest and was in the process of working with them last year during COVID lock down and was repeatedly told they were going to help and for us to continue to send in our modified payment which they took. Beginning of this year our mortgage was transferred to this servicer and they are not willing to work with me. In XXXX my husband past away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXXXXXX XXXX reported a charge off on my credit report in the amount of {$500.00} on XX/XX/2022. Ive received multiple unsolicited phone calls and letters in the mail from this company trying to collect this debt which violates my rights as a consumer as shown below in 15 U.S.C section 602 A. Ive tried to reaching out to the company to have this account removed from my credit report with no luck. Please take into account all the laws that violated my rights as a consumer below. Thank you for taking the time to read my complaint and have a great rest of your day! 


15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C. Section 604 A section 2 : It also states that a consumer reporting agency Can not furnish an account without my written instructions.

15 U.S.C 1692C- States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-11
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/2022, I had opened a Raymour and Flanigan credit card through TD bank. I had no idea they had authorized the credit card in the amount of {$15000.00}. There is no way I needed or wanted that amount of credit as I was only buying a sofa. I contacted Raymour and Flanigan and TD Bank the same day and requested that they close my account. I have a letter in my possession from TD Retail Card Services dated XX/XX/2022 that I had a zero balance and that they closed my account. I am concerned since I am still getting emails from TD Bank and Raymour and Flanigan as well as from XXXX stating that on XX/XX/2022 they are still reporting this account to the credit bureaus which I have no control over. 
I am going to report this as fraud to the credit bureaus if TD does not correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I entered into a Loan Modification Agreement with Chase Bank ( Acct. # XXXX ). I was required to make a substantial first payment in the amount of {$1100.00} with monthly payments to follow in the amount of {$710.00}. Per our agreement, after seven ( 7 ) scheduled payments my monthly payment would be reduced dramatically to approximately {$250.00} per month, as the loan would be " caught up '' and normal monthly payments would resume. 
I was required to send certified funds each month of which I did from a local Chase Bank. Each payment was withdrawn and transferred by XXXX XXXX - Relationship Banker, without fail. On XX/XX/XXXX I received a letter from Chase Bank, stating they were returning my payment of {$710.00} claiming I did not have an active payment plan. On XX/XX/XXXX I brought the letter and the returned check into the Chase branch and met with Branch Officer, XXXX XXXX. XXXX XXXX contacted a bank representative, XXXX XXXX and XXXX XXXX explained that Chase Bank was taking a " defensive '' position due to a communication with XXXX XXXX, my primary mortgage servicer. XXXX XXXX explained that there was no documentation he could forward to confirm a communication with XXXX XXXX and also stated the second reason for my account being placed " inactive '' was for non-payment since XX/XX/XXXX. XXXX XXXX did state he could n't understand why Chase Bank continued to accept my payments ( XX/XX/XXXX-XX/XX/XXXX ) after the account was suspended XX/XX/XXXX. 
I met with the local branch manager, XXXX XXXX and after approximately one week of investigating the claim of non-payment, she was able to have my payments confirmed as being sent and recorded in my payment history. There was never any mention of a " defensive position ''. 
Although I have made every payment on time and in accordance with the agreement, Chase Bank did not reinstate the payment plan. There was only one payment remaining before the loan would be reinstated in good standing and the much smaller payments would resume. 
I firmly believe this was deliberate and deceptive behavior on behalf of Chase Bank. Chase Bank refused the final payment ( of the trial period ) under fictitious and false claims. I am now being threatened by Chase Bank with possible foreclosure action and the request to start this process over again in order to avoid the action when Chase Bank has refused my payments. This is criminal.

Company response to consumer: Closed with explanation