BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my mortgage from Chase Bank. I purchased y house in XX/XX/2016 in foreclosure, my monthly payment was approximatively {$2000.00} and in 2016 my monthly payment goes up to {$2700.00}. I tried to have the PMI cancelled on my mortgage because my monthly payment increase too much. Chase sent someone to do an appraisal on my house and the value on my house goes up to XXXX. They told me that they were unable to cancel the PMI because the value is not high enough and that I did not do too much improvement in my house since I bought it. I bought the the house in very bad condition, I changed the garage door, I removed the carpet in all XXXX bedrooms and installed hard woods, I repaired the entire roof in the sunroom. I feel cheated by the bank when they told they are unable to cancel the PMI because I know the value of my house is there. Please help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: AL
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 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 explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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 2017-03-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I can not get into my online banking with Chase. I call and they told me my debit card is no longer good for me to go to the bank and close the account because it show XXXX balance. I went and they want all this information Social Security card and job pay stub. They refuse to close out the account even though it 's a XXXX balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Account Control Technology, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
On XXXX/XXXX/15, several XXXX employees from Account Control Technology contacted elderly relatives from my extended family at ( XXXX ) XXXX. They claimed to work for the US government, which was a lie. They worked for a company called Account Control Technology. In addition to making false threats, this fraudulent company sent me a virus and impersonated US government officials over the telephone in violation of the Fair Debt Collection Practices Act and the Fair Billing Credit Act. I am the victim of identity theft and grand larceny. This fraudulent company stole my identity electronically.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: Niagara Credit Solutions, Inc
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A collection agency called Niagara XXXX XXXX phone XXXX, Keeps calling me on my cell phone, called my employer and relatives claiming to recovery a debt occurred through XXXX Bank in 2005. They called threatened to send a sherrif from our local courthouse to my job/place of residence within the hour if I do n't call back. Called both the original creditor as well as the IRS to see if this was legitimate, and as far as we can tell it is not. Also no paperwork has come in the past 10 years in regards to this supposed debt? They continue to harass me and family and job. I want to report this as a scam or a fraud or at the very least, violators of the consumer laws

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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, the following XXXX accounts has violated my rights. 

XXXX XXXX XXXX : account number XXXX -DEPTEDXXXX : account number XXXX XXXX XXXX account number XXXX -DEPTEDXXXX XXXX account number XXXX XXXX XXXX XXXX  : account number XXXX XXXX XXXX XXXX  account number XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 section 602 ( a ) states I have the right to privacy 15 U.S. Code 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish your account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Prosper Marketplace, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan of {$3000.00} with Prosper approximately XX/XX/XXXX. I was sent an email indicating I was approved but needed to provide additional information ( bank statements ). I provided said documents right away. The reviewing agent contacted me on XX/XX/XXXX stating she needed to verify my bank account which she did while on a 3 way call with myself and my bank representative. My bank representative told the Prosper reviewing agent my account had a negative balance and the reviewing agent did not state there was an issue. I then received a " one ring '' phone call less than 10 mins later that went directly to my voicemail box. I then received an email from Prosper indicating they attempted to call me regarding my loan but they were closed by then ( Friday at XXXX ) and would not be reopening until Monday. I called today, Monday, XX/XX/XXXX inquiring about my " loan approval '' and was advised by XXXX that my loan had been cancelled and Prosper account suspended for 60 days because of my negative account balance. I asked to speak with a supervisor considering I wasn't informed a negative account balance would hinder the process at the time of the call. XXXX placed me on hold for over 20 mins and returned to the line stating, she discovered my loan was cancelled due to my credit profile/score. I then asked which reason I was being denied considering I was being told two different things. I again asked to speak with a supervisor. I was again placed on hold for over 10 mins and a supervisor spoke with me and reiterated that my loan had been cancelled because of my negative bank balance. I asked why I was not provided the opportunity to resolve my negative balance before my loan request was cancelled. The supervisor stated that canceling a loan due to a negative acct balance is their policy and didn't offer any other information besides I would receive an adverse letter via email detailing the reason for my denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
RE : Consumer ID # XXXX I am a victim of Identity Theft and have had my information stolen and was fraudulently used to open accounts ( Credit Cards, Checking/Saving Accounts ). I have been in contact with the Credit Bureaus and disputed those accounts, I have also contacted the creditors of those accounts and made them aware that my information was fraudulently used to open accounts. I have also filed a police report with the XXXX Police Department regarding my situation and they have advised me to contact the proper credit bureaus and creditors to let them know of this matter. 

There are XXXX entries for a negative reporting on the report from XXXX and I have contacted chexsystem to dispute this as identity theft however they are not willing to investigate or remove this entry on my consumer report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-16
Company: U.S. BANCORP
State: MD
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:
As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my nam

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 2017-02-10
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have called Neltnet multiple times asking about the amount owed, when my due dates are and the information I received has never matched my statement. I have asked to speak with supervisor 's and they tell me different information that still does not match with what my statement is saying. This is completely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX XXXX I was planning a to XXXX and had received a promo from British Airways for a British Airways Visa card, I applied online and was immediately accepted by Chase Bank for a BA Card. I have never applied before with BA or Chase for this type of promotional Credit Card offering me XXXX travel miles for the first {$2500.00} charged and addition miles for charging addition amounts. 
On XXXX/XXXX/XXXX I received a letter from Chase stating the premium was denied because the promo was only available to new card holders who have not taken advantage of this offer within the past 2-years. Again, I have never applied for a promo like this before. 
I called Chase on XXXX/XXXX/XXXX and was told that numerous notifications like mine were sent out erroneously. i asked to speak to a supervisor, XXXX XXXX, she denied what the first call center employee had stated and said I needed to call BA to get my points, when I stated the card sent to me told me to call Chase she said she could n't hep lp me and I asked to be transferred BA. I remained on the line and was connected to XXXX in XXXX OH, after putting me on hold for 30min. she restated what the first person told me that the letter was sent in error and that my points would be transferred to BA. 

This appears to be a bait and switch by Chase to enroll card holders through travel rewards and then at a future date after all conditions were met to deny those promised promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint by : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX Cell : XXXX XXXX XXXX ============== Complaint Against : Citizens Bank One Citizens XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX ============== Dear sir/madam, Hope you are well, I would like to file a complaint against ( Citizens Bank ) for a disputed and cancelled transactions that they have decided in the merchant favor. 

Despite the fact that I proved to the bank that, I have cancelled the transaction timely with the merchant and never received any goods from the merchant. 

The merchant continued to charge my card, however, even after I had canceled the transaction with them. 

The disputed amount is {$4500.00} and the bank decided to let the merchant keep the money and the goods, as well. 

I have filed my dispute with the bank timely after the transactions were posted into my account. The bank, however, denied my claims. 

I filed several appeals, but all my appeals were denied, however. The bank denied my last appeal falsly claiming that the dispute was not filed timely, which is totally false. 

Thank you for your kind assistance and look forward to hearing from you. 


The bank seems to be biased against me a d discriminated meon the basis of Ethnicity, National Origin, Gender, and age. 


I have never received the goods and need a full refund. 


Respectfully, XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Credit Corp Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2022 I received a letter from Credit Corp Solutions in regards to an debt owed. The amount they are claiming I owe is a lot more than the original amount. I asked them to verify the debt, to which they sent me back a letter with no documentation saying it was verified. I have another company trying to collect on the same debt, they gave me the proper documentation and the amount is correct. Credit Corp is trying to charge me double what is actually owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Green Square Company LLC.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted today by Green Square collections at XXXX and told this was in reference to a loan that I had outstanding with XXXX XXXX XXXX and the balance is {$1700.00}. Per the representative they will be willing to settle this debt for less or set up a payment arrangement. I asked for verification of the contract before agreeing to set up payments and was told " this was nothing more than a stall tactic and good luck in court. '' The representative then disconnected the call. I will not set up a payment arrangement until I receive a copy of the original loan agreement as well as a payment history. I have been advised that this loan was not legal in the state of sc. 

Green Square violated my rights as they are refusing to validate the debt, and I am appalled by the way that I was spoken to. This can not be a legitimate company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: JPMORGAN CHASE & CO.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015 at XXXX Eastern Time, I drove up to the ATM at the Chase Bank Branch located at XXXX XXXX XXXX, XXXX KY XXXX to make a cash deposit. I was in a hurry and made the mistake of not counting the total deposit amount, but I would estimate it to be between XXXX and XXXX dollars. I fed the money into the ATM and got a receipt that said there was a technical problem with the ATM and to contact the bank to resolve. I went into the bank branch and was told I had to file a claim, which they did for me, Later that day, I received a " temporary '' credit of {$53.00} while they reviewed my case. They mentioned they have the option of taking the money back if they do n't find an error occurred with the ATM. Chase has a reputation for not giving customers back their lost funds and I am concerned that I will not get back the remaining {$30.00} to {$40.00} in lost funds but also they will try to take back the {$53.00} they did give me. I do not trust these people and feel like they are going to give back all of my money. If you can help I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After reviewing my account diligently recently, I have probable cause to believe I have been victim of " forbearance steering ''. 

ORIGINAL PRINCIPAL {$27000.00} ORIGINAL PRINCIPAL {$11000.00} Total payments from XX/XX/XXXX - XX/XX/XXXX = {$41000.00} * ( I am currently attempting to retrieve missing payment amounts from repayment initial start date thru XX/XX/XXXX, as that information has not been made readily available to me by Navient as of yet ). 

I have tallied up 80-90 months of forbearances through the life my loans which I first obtained in XXXX and began the repayment process in XXXX or XXXX. That is over 24 years and my account still has a balance of {$56000.00}. I am seeing XXXX cumulative years toward student loan forgiveness. In fact, I have not ever been counseled on any income-driven repayment program that may have been or is currently available to me, so Navient still has me on a standard repayment plan, which has my chances of any forgiveness set for the year XXXX, when the loan is set to mature. My current loan plan is Graduated Repayment. 

I originally received my loans under the Stafford Loan program ( FFELP- unsubsidized and subsidized ), which was discontinued in XXXX, so I had my federal loans turned into private loans ( not by my choice ) which has made me ineligible for the CARES Act during the Covid-19 pandemic crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On or about XXXX 2015 Chase Credit Cards issued me a XXXX/cancellation of debt. I never requested the debt be cancelled and I was actually willing to work with them to resolve this debt. They advised me that they issued the XXXX because they made no effort to collect the debt. I contacted Chase to discuss this account but they were unable to help me which I will never understand. I do n't understand how their failure to attempt to collect an account becomes a tax burden on me. I never once asked for the debt to be forgiven, I created the debt and was willing to pay it they just did not want to collect it. Makes no sense to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX continues to violate my rights by ruining my reputation Title 15 as they continue to report fraud against my employer, Are your employers allowed to give negative feedback to your potential employers? I have furnished a copy of my Warranty Deed which clearly states all parties of interest, Also which clearly doesn't bear my signature making this an OFFER filed in the XXXX XXXX XXXX XXXX, A Promissory Note does not constitute a loan. A mortgage is the agreement that pledge my property as collateral for the loan. I haven't been notified of Acceptance by the seller so I hold an OFFER which is recorded in the XXXX XXXX XXXX XXXX. A LOAN means debt evidence by Promissory Note plus interest, I am yet to identify what XXXX XXXX XXXX Mortgage loaned me, Please provide cash advance money loan documentation which shows I received a loan from XXXX XXXX XXXX Mortgage that you continue to fraudulently ruin my reputation with. Violations 18 USC 3571, Slavery ( Forced Compliance to contract not held ) 18 USC 241 Conspiracy, 18 USC 1001 Fraud, Falsification of documents, Identity Theft. Truth in lending Act protect us against inaccurate and unfair credit billing and credit card practices. In closing I never received THE PURCHASE MONEY LOAN ( CASH ADVANCE ) That warranted a finance charge please show me the proof where XXXX XXXX XXXX Mortgage or any other corporation gave me a PURCHASE MONEY LOAN ( CASH ADVANCE ) to purchase my home this is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive sent letter to LVNV to provide validation and verification of this alleged debt. My letters have been ignored hovever when I dispute with the credit it comes back as verified and LVNV hasnt sent the requested validation that was asked for.

Company response to consumer: Closed with explanation