BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2018-01-31
Company: ERC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not give permissible authorization for this company to check my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase has a mortgage on our florida condo. 
We have not been able to get a REFI! 
the Chase underwriters claim it is a " condo-hotel '' It is NOT and was NOT ever documented by the FL. deptas one. But we are stuck with a higher interset rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: Conn's, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2020, I made an internet payment on my Conn 's Home Plus credit account using my debit card in the amount of {$1500.00} which was indicated to be the payoff. I received an email with a confirmation number of XXXX indicating that the payment had been received and would be applied to my account. The payment is listed on their website and I have the email however it has not been applied to my account which has continued to accrue interest and now late charges. I have contacted their customer service on four different occasions and have been contacted by their collection team once since that date. Each time the representative can't explain why a payment that is on file has not been applied to my account and claim to have escalated it to their accounting team. While kind, I don't believe that they are seeking to clarify the issue and correct it for me. I am concerned about the possibility of this affecting my credit score if reported as late when the account should be paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Dear CFPB, XXXX/XXXX/XXXX, I received a call from a restricted # saying that they have an urgent matter and that I need to call the ph # he gave me over the phone XXXX XXXX XXXX. I call them and spoke to a male person that refused to give me his name or any info on the account or their company. He was rude, insulting and abusive and hung up on me. I just needed info of the LAW FIRM he said he is working for. So later again, I called and hoping to talk to someone else working there, to get the proper information. I spoke to XXXX XXXX XXXX who told me that there is a demand letter for XXXX from CITI bank, and there will be a lawsuit/judgment against Me XXXX XXXX if I do not settle this right away. As I recalled, I never had a debt with CITI bank for {$35000.00}, then he explain that its actually XXXX but with fees its XXXX and would be willing to settle this matter for XXXX. The next day, I got another call from the first person I had spoke to but I did not take the call because it was a restricted #, so he left a message stating his name is XXXX XXXX and was upset the I complaint that he was harsh with me. He also called and left a message on my daughter phone. 
This Account with CITI bank was default by the end of XXXX when the real estate market crashed in XXXX XXXX California. My husband and I both lost our jobs and could not make our mortgage or credit cards payments, we were insolvent for years. Some debts were charged off in XXXX including CITI bank. It appears that this collection company named XXXX buys or gets old debts and tries to harass and threaten citizens of America to get them to pay old discharged or charged off debts. They have continuously called from restricted phone # and sometimes left threatening messages on my phone, my husband, daughter and son 's phones. They have call early in the morning and late in the evening from their restricted phone #. If this is a law firm as they claim to be but refused to give me their attorneys ' names, they are most definitely violating the laws and statute of limitation. 
Now, with our business a little established, we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments. My husband and I are barely making enough to get by in this economy. Please help stop this company from threatening and harassing myself and family members. PLEASE INVESTIGATE THIS COMPANY AS THEIR REVIEWS online ARE NOTHING BUT SCAMS

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 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, I got emails from XXXX bank of America XXXX with subject lines " verify your email address '', " online application is in progress '', " your application was approved '', " welcome to online and mobile banking ''. I did not create an account. It appears someone else did using my email address and name. 

I called the bank of America customer service line. The automated menu was ridiculous, given I'm not a customer. After 15 min of haggling with the automated dumb-bot I was put through to a human, who heard my story and immediately just stated that account has been deleted. He was unable to give me a reference number that the phone call happened or send an email from bank of America that this new account was deleted. And he tells me that they have had a " volley of deposit accounts '' created under real people 's names, as if that is supposed to reassure me. 

Not being handled well at all. They could not tell me how this happened, is my social compromised, anything. 

Please address with the institution. 

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 explanation
Consumer complaint received 2017-05-28
Company: EQUIFAX, INC.
State: CA
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:
I have disputed  XXXX   XXXX  a number of times with Equifax  XXXX   XXXX . None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a  FULL  investigation I demand that the results be made available to me within  Five days. This needs to be expedited, all   XXXX    CRA are in violation of the l aw. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion, XXXX  and XXXX are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.

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 2017-05-28
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, I    ma ile  d Northwest Financial Services    (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Mo.  XXXX  ) a certified letter on   X/X/2017   recieved on   XXX  -17 re   que sting they verify and validate all collections they have in my name. A full list of account numbers were provided. On  XXXX  -1 7 NWFS se nt via USPS a  print out of all accounts stating " we have verified the debts stated in your communication on   XXXX   -17 fo  r  " our clients claims ''. I have a few issues with this, 1 ) I requested they report to all   XXXX   credit bureau 's I have claimed a dispute. Per FCRA they have 30 day to do so and did not.
2 ) This debt was sold to NWFS they are a debt collection agency, they do not work for the   XXXX   XXXX   XXXX  .
3 ) Per the FCRA and Missouri Attorney General   XXXX   XXXX   XXXX   sending an itemized statement opinion letter does not constitute validation or verifacation.
4 ) The unfair and now illegal actions on the part of NWFS has not only damaged my crefit it has caused extream hardship to my person, not only financially bur emotionally.
Please contact me at   XXXX   or via email to resolve this issue.   XXXX   Thank You   XXXX   XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told 5 years ago that in 2020 I could apply for the public loan forgiveness but now after waiting I was told the load I had does not apply. I spent 21 years in the XXXX, XXXX  with a XXXX % VA XXXX, and have been working for the XXXX for XXXX and I am amazed that the Department of education is run by the government advertises such a program that is such a scam to collect more money from people. I was told 5 years ago to keep paying and when I hit ten years to submit well after seeing them take {$350.00} of {$480.00} per month I was told I do not meet the requirements. Why are they allowed to continue this scam program? The way they are treating veterans and public service workers is a crime and has to be looked into. I am asking for your help to point me in the right direction to do this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an opened account with XXXX/Walmart around XXXX of 2019 about a month or two Capital one had became the new owner of my account and they closed my Walmart credit account. I feel like they closed my account based off the old account that I had with their company because I was originally approved by XXXX/Walmart. I stopped paying on it because I feel that I was discriminated on by capital one because of my past relationship with capital one company. I paid this old Capital one account off and they are still mistreating me when they buy other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Nelnet, Inc.
State: MA
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:
On XXXX/XXXX/15 I issued a request through a Nelnet customer service representative to change my payment due date from XXXX/XXXX/15 to XXXX/XXXX/15 and explicitly confirmed that it would be in XXXX and not XXXX. Yet my next payment is due XXXX/XXXX/15. This is the second such occurrence where I issued explicit instructions, the student loan servicer representative confirmed the change, and a different change was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After Consolidation and repayment of my loans, I still have student loans that are paid, and closed reporting on my credit file please remove as this is serious hurting my credit status, and report only accurate information, also most of these loans reporting are XXXX plus and are requires by law to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was involved in a XXXX Ice Cream schemeI. 
I was told To deposit Check that I received4 $ XXXX was told to deposit the check into my bank.Take out 2,000Send itTo-dis account numberChase bank account ending in XXXX The deal was to Have advertisement Shrink-wrapped On my new trailer that I have bought over the course of three months. I were to receive {$800.00} a monthI was cold by my bankOnMondayThey informed meThat checkI depositOnXXXX XX/XX/14 Did not clearI went to Chase Bank On and XXXX to put a stop on the check.They told me that I had to go to my bank And put a stop on itIn which they have already called me MondayTo tell me that the check was no goodSoI can not get my money backI had to pay that {$2000.00} Back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Investigation Request Letter To whom it may concern I received a copy of my consumer report in pursuit of trying to improve my consumer report and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting rigjt or wrong im saying i am not 100 % sure if they are. The Fair Credit Reporting Act gives me rights to challenge anything i am not sure is accurate. In 15 U.S.C Sec. 1681 i ( a ) it states if you caint provide proof these accounts must be deleted if they are not 100 % accurate. So I would like these accounts properly verified and removed if there's anything missing. Also According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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. 
And i have not gave any written instructions to furnish anything on my consumer report XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct if not please remove it from my consumer report XXXX XXXXXXXX Please investigate if every piece of information is correct if not please remove it from my consumer report

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 2022-03-19
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:
Late Payments on my report

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 2020-01-21
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: Information belongs to someone else

Complaint:
XXXX XXXX Account Number XXXX {$9300.00} XX/XX/2019 XXXX/XXXX  Account Number XXXX {$380.00} XX/XX/2019 XXXX/XXXX  {$100.00} XX/XX/2019 XXXX XXXX Account Number XXXX {$40000.00} XX/XX/2019 XXXX Account Number XXXX {$4400.00} XX/XX/2019 I've now also filed with the attorney general office. The above need to be deleted by law in accordance with section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2022-03-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
We received a refund credit from XXXX for {$800.00} for a purchase previously made on our JPMorgan Chase credit card. When I saw the credit in our account I looked online for a way to transfer that credit amount from our credit card to our checking account, there was none. 

On Saturday XX/XX/XXXX I called the JPMorgan Chase Credit Card customer service. I was explicit with the customer service representative that we wanted the refund immediately transferred into our checking account. She told us she could not do that. Instead she said we would receive an email and would have approximately 4 days to respond to. Responding to that email would allow us to immediately transfer the funds into our checking. 

I watched our email account - including spam folders for the next days, nothing. On Monday XX/XX/XXXX I called again - had the same conversation with a different CSR. She said the same, we should receive an email. I told her again that we wanted the funds transferred into checking without delay. She said she could not do that. 

I continued to watch our email- and spam folder - nothing. On Thursday XX/XX/XXXX I called a third time - and again had the same conversation and was told the same as before. I asked for a manager. He told me that no email had been sent and in fact Chase had issued a paper check, I told him we had zero need for a paper check. Issuing a paper check only benefitted Chase as it further delayed the transfer of our monies into our checking. So in effect, JPMorgan had free money, illegally, from XX/XX/XXXX until yesterday when a check arrived, nearly 3 weeks. 

I believe the actions of JPMorgan Chase are not just wrong, but illegal. They contrevened our explicit instructions to transfer monies that were exclusively our own. I told them these we're funds they were already in receipt of, there was zero credit risk to them. They were holding our monies illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
I have received multiple mail letters stating that my bank account was closed and checks have bounce in account I do not have open

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