BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I visit a XXXX office XXXX XXXX XXXX. I was told that I would need braces and that the office can get me finance by a bank they use ( carecredit ) I was quoted {$2900.00} for the job. At first all seams to be perfect and I was able to go there very month after I received the first XXXX that I was going to wear until XXXX were done. my appoiments were then 3-4 months since XXXX was not longer coming to the office every month anymore. I got feed up and I told them I was going somewhere else they told me i would owe them all the money still beacuse they had gotten paid. 
credit card paid a job that I never received and make me liable for a job that was not compleated making me pay for a service that it was not rendered. I think I should not be liable also the have damage my credit I was tken advantage by both XXXX and Credit Card company!.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This debt is almost is almost 8 - 9 years old. This company called me to say that they have tried to serve me twice and they will try one more time. If they can not serve the papers the third time, they will sue me and it be an automatic judgement against me for the amount plus court costs. They said this will allow them to garnish my wages, seize my assets, and pursue other methods to collect the money. 
I told them that on some of the communications they sent me it mentioned the the debt is to old so they can not sue me. However, the lady on the phone ( XXXX XXXX XXXX ext. XXXX ) said that does not apply to the entire debt, only the settlement offer and that they have no choice but to pursue legal action to garnish my wages and maybe seize my assets. 

They said the company name is XXXX XXXX XXXX based in California. 
Their phone # : XXXXMy case number with them is : XXXX. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are not mine and I do not know them. I am asking you to remove them from my profile. I feel that this is a fraud and I want to keep safe my credit profile.

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 2015-08-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Chase Bank ( XXXX XXXX ) received my retirement funds - a wire transfer from a 401 retirement account and placed them in a Chase retirement account at .75 % interest. Chase Bank then reduced my interest on these retirement funds to .05 %. Furthermore they charged me {$30.00} a year as a " Maintenance Fee ''. Over the five years that I had this account - I now have less money than I started with in my retirement account. The Chase Bank in XXXX XXXX ( XXXX XXXX ) told me that I had to inquire to their " Retirement Plan Division '' located in Florida. After repeated attempts and speaking with XXXX XXXX and others many times - I was told that Chase had the right to charge anything they wanted to. I asked XXXX XXXX to produce the document that I had signed that allowed the bank to take funds out of my retirement fund - XXXX XXXX refused to produce any signed documents. 
The " Retirement Plan Division '' located in Florida decreased my interest rate on me retirement fund CD from .75 % to .05 % in XXXX years. With the fees and the almost nonexistent interest rate, I will have less money in the account than I started with. I talked to numerous individuals with Chase Bank ( " Retirement Division '' ) and was told that they could do anything they wanted to and it was my fault for letting them do it. 
I have no doubt that the " Retirement Plan Division '' of Chase Bank is bilking many other retirees out of their money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
1 ) Refinanced home mortgage XXXX, XXXX. Closed early XXXX, XXXX 2 ) The original loan had an impound account which continued with the loan refinanced by XXXX XXXX XXXX XXXX, XXXX ). 
3 ) The XXXX XXXX refinanced loan was sold to Chase who took over in XXXX, XXXX. 
4 ) Much to my surprise, I received a delinquent property tax bill ( with a penalty charge ) that was due in XXXX, XXXX. I did not understand why Chase did not pay this as I have been paying into this account throughout my original mortgage and it was always paid on time. 
5 ) Subsequently, I received a surplus check from Chase for {$6300.00} which obviously was from my funds that should have been used to pay this same XXXX property tax. 
6 ) I feel that when they bought the loan, which included the monies I have been paying into the impound account, it was their obligation to make sure the tax bill was paid on time. 
7 ) I contacted Chase and was transferred from an employee who admitted it looked like Chase made a mistake and should pay the penalty to his supervisor who was evasive and would not take action to rectify or investigate the problem. 
8 ) I paid the tax bill since it was already delinquent and XXXX XXXX should be paid. 
9 ) My lawyer sent a demand letter to Chase but they have not replied. They have simply ignored my request to work out a solution to a problem they created. 
10 ) I would like Chase to at least pay for the penalty charge incurred and it would be nice if they had the courtesy to admit their negligence. My hope is to be treated FAIRLY as a consumer and not disregarded, especially since it is evident they had my funds and did not meet their obligation and instead created a bill that I did not know of until it was delinquent. 
11 ) I will try and attach documents to show evidence of what I am describing. 
12 ) Please contact me with anything needed to clarify my dilemma. 
Thank you very much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Why do my fico credit scores differ from one another on the XXXX XXXX app, the XXXX XXXX XXXX, from XXXX, XXXX, XXXX XXXX, Experian, XXXX  and XXXX? I have been working on building my credit since XX/XX/2020. They are all installment loans that help build 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 explanation
Consumer complaint received 2021-07-03
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no affiliation to this company. This company has called multiple times throughout the day and late into the day. I want to get this removed.

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 2015-08-05
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Green Tree the second lien holder for my home loan continues to be a stumbling block disallowing me the opportunity to take advantage of the HARP program and refinance my primary mortgage at a lower interest rate. I have tried to refinance XXXX times now. I applied this last time in XXXX of 2015 with XXXX, they have requested subordination from Green Tree, who charged a fee. XXXX XXXX paid the fee and have yet to receive the subordination requests despite several phone calls from the loan officer and myself. Today XXXX/XXXX/15 Green Tree informed XXXX XXXX that the request was canceled but could not answer why, yet they cashed the check. This seems unethical and unjust that the second lien holder is prohibiting me from taking advantage of the HARP benefits to include lowering my primary mortgage interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Application processing delay

Complaint:
I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: Ditech Financial LLC
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This is a supplement to Case No. XXXX : We have since received responses from the credit bureaus that Ditech said the credit reporting information was correct. Today, we received certified notices for homeowner counseling with a PAST DUE AMOUNT OF {$7400.00}. Ditech is obviously not recognizing the new contract that was put in place during bankruptcy and filed with the Court, and acknowledged by the Court. The credit reports now have " Charged Off '' and {$0.00} past due. A XXXX, 2015 statement also states charged off, and {$0.00} past due, and now a new statement showing {$7400.00} past due. This is truly unbelievable. Do I need to take my savings and sue this company? They are in breach of contract, and have obviously violated FTC rules, wrong reporting on my credit report as Charged Off, rather than Included in Bankruptcy, and states {$0.00} due. So, technically it looks like on the credit reports we do n't owe anything. How can a company do this to people. They depend on their attorneys to have political clout within the court system, but hopefully I can locate someone to sue them in Federal Court where the playing fields are somewhat more level. I feel sorry for people that dont understand their rights, but unfortunately to exercise your rights, it takes a lot of money, which I do n't have obviously having gone through bankruptcy. Please advise the status of any assistance you can provide.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: SC
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:
I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Over the years my husband had health issues and they were more than happy to give us a forebearance ; unfortunately they really did not tell you in detail that the interest would continue so it kept building up the principal balance due. We are now XXXX and XXXX and two years ago I got a reduction in the payment ; however, the 8.25 % interest continues. My husband is retired and I will be retiring at the end of the year. I guess my only option to get out of this mess with Navient is to take out a home equity loan on our home which will be at a much lower interest rate. Navient pushes forebearance and " reduction in payment '' but really do n't stress that the interest does not reduce and keeps adding to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
there was a payday loan taken out in my name sent to arvest bank which says they do not have an account in my name but did accept a deposit in my name into another persons accont.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Complete Credit Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMPLETE CREDIT SOLUTIONS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So Ive been trying to grow my credit score and As of about 1 month ago JEFFERSON CAPITAL SYSTEMS started reporting negative remarks. I had no idea who or what this was. Turns out someone opened up an account with XXXX XXXX  on XX/XX/2021. They say I owe {$750.00}. This wasnt me. Ive had XXXX phone lines open with XXXX XXXX for almost 2 years. My phones are almost paid off. I dont miss my payments. Why would I go to a company like XXXX XXXX  anyway. Trash service. I called JCS and the guy clearly was foreign and I couldnt understand his name but he asked for my social security number over the phone. I told him I wouldnt do that and he insisted this. I NEVER opened this account! Ive disputed this twice with my credit account and they just updated my info. This is absurd. All I have to do is prove my location compared to where this was purchased or where was the money coming from? I know it didnt come from my account for sure. I need this removed from my credit account ASAP. Stop all debt collection!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I have tried everything, I tried everywhere, I still see no results. I am a victim of the XXXX data breach and a victim of identity theft. Its been well over 3 months now and still i have not gotten any answers or solutions to my problem. These accounts are not mine! I need them removed ASAP. I attached all of my letters/attempts to this complaint for proof.

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 2022-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-07
Company: BANK OF THE WEST
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and an XXXX filed bankruptcy in XX/XX/XXXX. We had a home equity line of credit with Bank of the West and the borrower was the XXXX, my husband and me. Bank of the West was notified by the courts and our attorney. The billing continues to be sent in the name of the XXXX, even after I sent them copies of the bankruptcy notice. I called the bank the end of XX/XX/XXXX and they said they would change the name on the billing notice to my name since I did not file bankruptcy or not send notices to us at all. This process took about 4 years to complete. If a Chapter XXXX bankruptcy was discharge and the debt was not reaffirmed, can they send notices? The XXXX was no longer a viable company

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During my Re-finance loan process, I was told that my employer provided Long-Term Disability ( LTD ) benefits are not allowed as verifiable income, unless the company providing the LTD benefits, writes a letter showing the source, amount, frequency, continuance and receipt of the payments. [ email Wells Fargo employee of XX/XX/XXXX ] I provided Wells Fargo with an award letter from my LTD Company, dated XXXX, XXXX, showing the dollar amount, the frequency and that I would receive the payments ; I offered XXXX 's from XXXX as proof of continuing income. That was not acceptable. 

XXXX XXXX email clearly documents AND demonstrates - Wells Fargo is imposing additional documentation requirements from me ; which is discriminatory.

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 2015-09-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a customer of chase bank. On XXXX a purchase was made by a customer for my company 's furniture, tv 's and supplies due to me closing my buisness. A check was deposited by the customer. The check was not available right away I had to wait for my bank chase to clear it first. Once chase bank cleared it the following day I made a withdrawal of {$3000.00} prior to the deposit I had {$2200.00} in my account. When I made the withdrawal everything on my account was fine. The following day I received an alert stating I was overdraft. So of course I contacted chase bank to find out what had happened. They informed me the check was returned and they had taken my money to basically make up the difference of the check to return. I then stated as a buisness owner and customer of yours I do n't feel that was fair first I have never had any checks return on my account second you all cleared it. I did my part as to selling my goods and expected to get paid for it in any case I am the victim. I willingly offered to send a invoice and pictures of what was sold and it was declined. I then said instead of taking my money why not open an investigation, I will probably never see this customer again you all have more access to their information then I do. They then told me I would have to be the XXXX to open an investigation. Now I know my money is insured so I asked to be transferred to FDIC hoping to be given back my {$2200.00} and was transferred but then hung up on so I do n't even know if I was even on the phone with FDIC. As a customer of a bank that is suppose to protect me and my money I feel this is very wrong and I am not going to let this go because it 's wrong. I will be contacting anyone possible that can help me, so this is my first stop. I 'm also gon na get in contact with FDIC myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Innovis
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To Whom it May Concern I am Having a Rhetorical Issue with this Unknown non name Brand Credit Reporting Agency Innovis. I Requested my Credit Report from Innoivis I received it, i Saw things on it that dont wasnt right i then disputed the items online along with a dispute letter Requesting information, The method they use to verify claims on my credit report along with names and numbers of the people they spoke to determine these claims, and i also requested the documents in my file the are using to determine that i own these claims. so i did n't receive any information but i did receive a completed dispute investagtion stating that they were unable to resolve because they dont have Physical proof of these claims they only use a automated verification system to verify claims but Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Act that you are required by the federal law to verify through physical verification of the original consumer contract. you read the Letter attached that the mail to me for more understanding them admitting to violating my federal rights

Company response to consumer: Closed with explanation