BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am submitting a new complaint regarding my old complain # XXXX. It seem that we are still having issues. BofA has reported mt to the credit bureau again.. I finally have a XXXX balance but some how owe XXXX which is what they reported again. Please review my last complaint and help me get this resolved.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The month of XXXX my credit score was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX XXXX that I was terminated from the Account. 

I reached out to XXXX XXXX XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.

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 2016-07-05
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
PenFed ( Pentagon Federal Credit Union ) advertises " XXXX Points '' XXXX mortgage loans. In fact, this advertising is deceptive. PenFed charges " points '' disguised as " Loan Origination Fees ''. The initial ads ( attached ) state that the " XXXX Point '' loan has an APR higher than the stated rate because of " closing costs '' ... which a consumer can interpret as the cost of appraisals, credit checks, filing fees, etc. In fact, the closing costs include a 1 % POINT called " Loan Origination Fee ''. The borrower gets no benefit from this fee. All of the costs associated with closing the loan are billed to the borrower. The APR is in fact NOT increased by closing costs ... it is increased by collecting a POINT. The proof that this is POINT comes when the borrower complains. PenFed offers to waive the " Loan Origination Fee '', if the borrower will accept a rate 1/4 % above the advertised rate. THIS IS EXACTLY WHAT A POINT DOES!! This proves that paying the " Loan Origination Fee '' is in fact paying a POINT. Paying the POINT reduces the interest rate. Therefore, PenFed is either advertising rates that it is n't really offering ( you only get the XXXX point rate by paying a point ... the true ( hidden ) XXXX point rate is 1/4 % higher ) or it is lying when it says that the loan is " XXXX points '' and lying again when they say the APR is linked to closing costs ... they add a point in the Closing Fees disguising it as a " Loan Origination Fee ''.

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 2017-03-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender is in violation of regulation 1024.39 ( a ) Early intervention requirements for certain borrowers. - A servicer shall establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrower 's delinquency and, promptly after establishing live contact, inform such borrower about the availability of loss mitigation options if appropriate. & 1024.39 ( b ) Notice required. Except as otherwise provided in this section, a servicer shall provide to a delinquent borrower a written notice with the information set forth in paragraph ( b ) ( 2 ) of this section not later than the 45th day of the borrower 's delinquency. A servicer is not required to provide the written notice more than once during any 180-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
the following has occurred : 1. the notice of payment arrived on XXXX XXXX XXXX that was due on XXXX XXXX, XXXX for payment increase effective XXXX XXXXXXXX.and interest rate increase arrived five weeks late. chase bank has not given me the required 60 day notice of change in mortgage payment amount as required by cfpb regulations and us federa respa law. 
2. chase has not provided at least XXXX and one half years of missing mortgage statements for my XXXX different mortgage account numbers mortgage and refusing my request that mortgage statements be mailed to me. 
3, chase refused to give me a detailed escrow accounting sta tement since XXXX showing all charges including XXXX unapproved or authorized by me property appraisals at {$250.00} each as well as property preservation charges while they maintain dual tracking and mortgage foreclosure files on me. their employees have sent me documents showing chase tried to get nationstar to foreclose on me despite never being behind. other docs from chase show over {$21000.00} of unapplied payments and {$46000.00} of reverals of applied payments and escrow funds while chase demanded I pay mortgage payments XXXX and three times for the same month and year. the docs may also indicate that chase manufactured defaults by not applying paymnts in order to file tax free mortgage default insurance claims with XXXX or other carriers for falsified by chase allegedly mortgage defauls three times for the face value of the mortgage instrument or over {$1.00} million. since XXXX and o ther taxpayer federal funds were used by chase to support these activies it appears that major violations of XXXX federal laws were broken filing these false claims for fraudulent mortgage defaults. chase is currently doing allegedly its best to cover up all these activities and is still running multiple sets of accounting records on computers to allegedly perpetrate this interstate mortgage servicing accounting fraud for which the Occ fined chaes over {$45.00} million dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
please find attached the documents and my dispute letter for XXXX of my XXXX accounts, these accounts have never been late and never been delinquent. i have disputed few times with XXXX major credit bureaus but not been successful, also have written letters to the creditor as well, still no resolution. 
please help me to remove these late. negatives from my records. 
thank you

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 2017-04-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Submitted a reinvestigation request on XX/XX/2017, to date no formal or informal feedback of the outcome.

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 2017-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
They refuse to remove all the fraudulent information from my credit

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 2015-08-05
Company: Southwest Credit Systems, L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2017-02-27
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.

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 2017-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I do not have any existing balance with CapitalOne credit card co. I received a new card that has never been activated. A transaction came thru that I did not authorize. They are giving me the run around with regard to disputing the transaction. The transaction amount is {$89.00} from a software security company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. Thank you

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
The month of XXXX my XXXX XXXX was XXXX with Experian, was very happy never been that high before. Then XX/XX/XXXX Experian took my score down XXXX points ( XXXX ) stating that the received information from XXXX XXXX  XXXX  that I was terminated from the Account. 

I reached out to XXXX XXXX  XXXX and they advised that my account has never been closed and to date I have never missed a payment since XXXX. I am an authorized users on this card with my husband and they advised they never provided that information. 

I then reached out to Experian again about the incorrect information the is stopping me from getting house because of this. Experian requested that I email my accounting showing that it was closed which I did, as they said on their report it showing it open but in reality that is not correct. I have excellent on all my credit cards have never missed any payment in over 6 years or more.

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 2016-08-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I filed complaint number XXXX. However Huntington has done the same thing in XXXX, they sent me errant statements reprinted which were wrong then started the month off with a {$160.00} false overdraw which became {$490.00} in a week without any purchase. Also when a automatic deposit was credited to my account on XXXX XXXX. 2016 I checked account balance and they had purchases made on XXXX XXXX listed as XXXX XXXX, 2016 with {$300.00} missing from account balance along with purchases i had n't made. Someone inside bank is messing with account and seems they want me to know it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I Deposited a check from my brokerage account vanguard a XXXX dollar company into my wells fargo checking account on XXXX/XXXX/16 XXXX told me the funds cleared on XXXX/XXXX/16 yet wells fargo would not release the hold until XXXX/XXXX/16 .I called there help desk to ask why and was told that 's just our policy and i should go to my branch i did on XXXX/XXXX/16 and spoke to the branch manager who called her supervisor that stated the funds had cleared all there accounts on the XXXX/XXXX/16 my question is why is a bank that is under federal investigation for fraud allowed to hold customers money without paying interest and or releasing there funds to them.Is this just another example of cunsumer fraud that needs to be investigated.

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 2016-05-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Regarding my XXXX credit report. I submitted a request for documented verification that I authorization this inquiry. I have not received a reply from the credit reporting agency nor the company who made the inquiry in the last 45 days. I requested documentation proving i made the inquiry and if they could not show proof then it should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX I submitted c complaint XXXX and was told it was going to be filed and removed in court shortly according to the complaint reply made. A title search was done and up to date as of XX/XX/XXXX and remains on title, if this is not done very quickly I will end up being forced into foreclosure. If this happens I will be filing a lawsuit for all damages we incur. Please respond as I do n't have much time and the bank is not going to wait much longer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I got a credit card exclusively because of their double air miles for every dollar spent. I tried to book a flight from XXXX Ca. to XXXX Mo. This is a round trip of about XXXX miles. I have over XXXX air miles. So when I attempted to book the flight it said it would require XXXX air miles. I chatted in to the Capital One support and was told I had to take the cost of the flight and multiply it by XXXX! Cost of the flight was about {$510.00} x XXXX = XXXX miles. 
So they are charging me XXXX miles for a XXXX mile trip. THIS IS AN OUTRIGHT FRAUD! They need to do what they said in their promotion for this card! So Capital One is diminishing my air miles XXXX fold!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment

Company response to consumer: Closed
Consumer complaint received 2017-02-21
Company: Empowerment Ventures, LLC
State: MD
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I found that {$300.00} was taken from my account almost over a month ago now. I live in XXXX MD and this transaction occurred in XXXX at an ATM. I was never near this location at all. I called the company immediately as soon as i noticed the funds were deducted from my account. I filed a police report immediately. The same day i submitted the police report and a formal dispute with Rush card. They told me there is nothing you can you will have to wait 10 days for our investigation and on XX/XX/2017 you will get a provisional credit. I called to check the status and they advised i will not be getting a provisional credit because they found no suspicious activity. I have phone recordings of the representatives repeatedly telling me i would get a provisional credit today and was never told anything about the investigation. I would call and be hung up on by multiple representatives and put on hold for two hours at a time being told there is no manager or there is no supervisor then being told that the manager is in a meeting that they dont know how long will last. I was promised calls backs at least 10 times from managers i never received. I have been a customer of this company for 4 years and never had anything like this happen because i protect my information. i dont believe this card company has done all it can to protect my information and this is why this is happening. I was left with my money for over a month now and my children need things. I advised the company of this and asked if there was an expedited process and i got the run around and got hung up. i was forced to wait on paying important bill and now i still dont have my money back. I know my rights and i have given this company everything that they have asked for. I used my card in XXXX Maryland around the same time it was used in Pennsylvania according to rush card representatives. how can i be in two places at one time this is impossible. i did not authorize this transaction and i would like to take legal action against the company.

Company response to consumer: Closed with explanation