BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-20
Company: BBVA FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Simple is saying I have tried to open an account too many times, thats the reason theyre unable to open an account for me. After closing my original account with you guys. I tried to apply again and you denied me the very first time I tried to open an account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was sent to collections, rather than bill the insurance. Grievance was filed with insurance, and updated amount was paid. Debt collector has old outdated info, from before the insurance was contacted. Still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter from US Bank dated XX/XX/XXXX thanking me for applying for a Platinum Credit Card account. It also states that the consumer credit reporting agency has indicated that I have put a security freeze on my credit file and they are unable to obtain information from the consumer reporting agencies. It states that it is important that they receive this information within 15 days from the date of the letter in order to continue processing my application.

I never applied for a credit card with US Bank so I called US Bank on XX/XX/XXXX ( XXXX ) and spoke with an agent. I explained that I did not apply for a credit card and asked why I received this letter. They input my information in their system and said there was nothing indicating that an application in my name was in process so there was nothing more they could do. 

I then called XXXX and spoke with an agent who said that someone must have my SSN in order to submit an application. I then placed a fraud alert on my credit file.

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 2020-12-28
Company: EQUIFAX, INC.
State: TX
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 requested a dispute with the 3 credit reporting companies, XXXX, equifax, and XXXX regarding a previous company I leased with in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During the entire time I leased with them I never missed a payment and was never late. However on my move out date we experienced some severe inclement weather which delayed my move out date. I notified my leasing office and in good faith they allowed me to extend the window into which I could move out and turn in my keys. However 10 months later I start receiving collection notices that I've been referred to a collection agency for not paying rent. It is my understanding that they are now trying to charge me for staying the two additional days but that was not our agreement. We entered into a good faith agreement and they can't treat me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
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  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, ADDRESS XXXXXXXX XXXX XXXX  XXXX XXXX, FLORIDA XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX, XXXX INQUIRY DATE XX/XX/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 explanation
Consumer complaint received 2015-05-21
Company: DISCOVER BANK
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
When I began the transfer process to study at XXXX XXXX in XXXX, XXXX, I researched many private student loan companies and asked each XXXX many different questions. When I contacted Discover Student Loans back in fall XX/XX/XXXX for my application they told me that I would be able to use an income-based repayment plan. I studied XXXX and have an excellent memory and also am very diligent when I sign up for things to know what I 'm getting myself into. But this time I made a huge mistake trusting some customer service rep ( male ) and he either did n't know what he was talking about or lied to me deliberately. Now I can not afford my loans. I had to leave my job at University XXXX in XXXX because the job relocated from XXXX to XXXX, XXXX and I was not able to take care of my health needs. I am unemployed and can easily find a job but not XXXX that I can afford my XXXX Discover loan and to assist my husband with paying his mortgage. I actually got married right before I graduated in XX/XX/XXXX and am trying to get my feet on solid ground and get a XXXX degree at XXXX XXXX ( I will be applying for scholarships and not depending on private loans ever again! ) but it is close to impossible to manage this crazy student loan. They did n't even give me a grace period!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid of my balance in full prior to the close of my billing cycle. Per the terms of the credit card agreement there is no fee for balances paid in full. I was charged 2 finance charges while my balance was a credit of {$260.00}. My balance at the close of my billing cycle was less than XXXX dollars. I was charged two finance charges. One for {$16.00} and one for {$4.00}. When I called to have the mistake corrected they said they didn't have the mechanism for removing the finance charge. I spoke to 3 operators including supervisor XXXX XXXX. I was told that the charges were valid despite the XXXX balance which is clearly illogical and impossible. Even XXXX XXXX  interest on XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Filed this with XXXX County, XXXX court of common Pleas Cival Division = My responseThe XXXX fka XXXX as trustee for the cerificateholders of the XXXX, XXXX, Asset-Backed Certificates, XXXX XXXX XXXX XXXX. Temp, XXXX XXXXThe XXXX XXXX = Plantiff vs XXXX XXXX XXXX Defendant. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX, XXXXXXXXXXXX XXXX XXXX XXXX generally deny the allegations in the complaint or have lack of knoweledge as to the accuracy. 
I may still cooperate with the agreed entry. 
The property in question is loacated at XXXX XXXX XXXX, XXXX, XXXX. XXXX property has been vacant since XXXX of XXXX. Was put up for sale by my XXXX XXXX XXXX XXXX XXXX XXXX @ XXXX. On or about the end of XXXX XXXX. In XXXX of XXXX we received a cash offer from a potential buyer / Investor for some XXXX. XXXX XXXX XXXX approved the short sale. They had comfirmation of cash payment, and a closing date assigned. Potential buyers aware of the sewer project and prepared to make the hook up. 
Title search cambe back as the original loan not being properly satisfied on the deed. Worked with XXXX XXXX XXXX to chase down re-finance company and title company. Morgage Company / Title company are out of business and title company deceased. This forced the buyer to back out. 
If we could locate someone from XXXX XXXX XXXX XXXX, nka XXXX XXXX , XXXX last known address of XXXX XXXX XXXX, XXXX, XXXX XXXX. We could poetetially fix the isue with the title / deed with not being properly recorded and showing as satisfied. 
Since the above, XXXX XXXX XXXX released the property and has taken over by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX. XXXX ext. XXXX as a debt collector and aware of teh previous short sale agreement attempt. Since then the property has gone into foreclosure. Estimated sale date was indicated as XXXX of XXXX. 
I have had no access to the property. XXXX XXXX XXXX changed the locks and added a lock box, and also pad locked the garage door. The house has been winterized since XXXX of XXXX. 
Copies of my response filing have been sent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX person to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX, XXXX. XXXX. 
Filed XX/XX/XXXXXXXX XXXXXXXXXXXXPlease help me resolve this issue. 
Thank you!

Company response to consumer: Closed
Consumer complaint received 2015-11-21
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My insurance company ( Ocwen ) has taken funds from my escrow account for " annual '' Lender 's placed insurance twice this year. First in XXXX ( {$680.00} ) and again in XXXX ( {$630.00} ). They also failed to pay my property taxes in XXXX. This resulted in a over {$3000.00} in fines and penalties. They did end up paying the back taxes and fees in XXXX to avoid foreclosure from a XXXX party company that purchased the back taxes. They held me responsible for over {$1600.00} of these fees. I have been behind XXXX payment for the past few years. They have refused to help me remedy this, any over payments I make they apply to late fees, even though their statements advise that they will apply all funds to past due payments first. I have spent countless hours on the phone with representatives that are not willing or refuse to assist us in any way other than to make the full payment to catch up. We have previously asked if they would defer the past due payment. The representative advised that they would be able to assist, but this never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-16
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have an old account from XXXX financial svcs that is past the 7 year reporting period. XXXX has renamed the debt and continues to report this debt years after it should have dropped off my credit reports. I have disputed the debt with both Experian and XXXX on numerous occasions but it has not been removed. I have an old Experian credit report dated XXXX/XXXX/XXXX that shows it was to be removed in XX/XX/XXXX. That account name was XXXX XXXX XXXX. Today the same account has simply been renamed and is being reported on my Experian credit report as XXXX. XXXX is also reporting that I filed a chapter XXXX bankruptcy. I have never filed for chapter XXXX bankruptcy. I would like to have this removed. I am applying for a home loan and this re-aged debt is causing the mortgage lenders to deny my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our loan was placed in forbearance due to my husband and I both losing our jobs repeatedly during XXXX. Upon the expiration of our forbearance, the lender/servicer ( XXXX ) told us the only way to rectify the situation was to pay, in a lump sum, $ XXXX. Because of them lying to both my husband and I, we separated and were XXXX week from finalizing our divorce. Luckily we reconciled and began working with our mortgage company together, and realized we were both being told different things. I researched our options according to CFPB and XXXX XXXX and our options were NOT being given to us. When the lender/servicer/collection agency was confronted with this, they offered a loan modification but were adding the past due payments to our mortgage balance, thus increasing the balance and making it impossible to sell the home for that amount. We insisted to talk to someone in management or directly with the servicer ( XXXX ) and again were told no, that our options included a XXXX year loan for a larger amount or to now pay almost $ XXXX to avoid foreclosure. We have communicated with our mortgage company monthly asking for all our options to be presented and they were not. Now, they have filed for a non-judicial foreclosure. This company ( XXXX ) has been sued multiple times in class action suits for this very thing. We currently have renters and they are about to purchase this home. We need to stop this unlawful company from ruining our lives, their lives, and countless others. We have submitted for XXXX funds in the state of XXXX for relief. This too was not given to us as an option, we had to research this issue ourselves.

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 2020-12-28
Company: EQUIFAX, INC.
State: VA
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 not received any investigation results from the accounts I disputed over 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to XXXX  and the creditor since XXXX of XXXX and nothing has been resolved. 

On XX/XX/XXXX someone other than myself submitted a credit inquiry to First Invst/SVC XXXX. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX Someone other than myself submitted a credit inquiry to First Invst/SVC FIRST. I contacted XXXX  and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end. 

On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX  to dispute this over the phone and its still on my credit 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 2022-08-05
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:
I received a letter from Chase Bank on XX/XX/XXXX, that state as follow : " After careful consideration, we decided to close your accounts because of your association with a Chase credit card, deposit or investment account that was previously closed. '' 1- I am a Chase customer since XXXX. I have one credit card since XXXX ( Freedom Unlimited credit card ) and other one that I is 7 months old ( Chase Sapphire Preferred ) Also, I have a personal checking account that I recently opened in XX/XX/XXXX. 
2- During the past 12 years as a Chase customer I have never been late in payments, always pay my credit cards on time and the full amount every month.

3- I have a clean credit score of 800+.

4- I have never closed any type of account ( credit, deposit or investment ) with Chase in the past.

5- I went to my nearest Chase branch twice to try to fix this issue and ask them to make a reconsideration looking again on my profile, also called the customer service phone once, with no positive outcome.

6- I ask them if they can explain why they are closing my accounts, but they only said, the decision is final, and Chase will not reconsider my case, and no explanation given because the decision is " confidential ''.

7- I ask to speak with a supervisor and they told me no one can help me with that, because is " confidential '' 8- This unfair decision from Chase will have a big impact on my credit score, because XXXX XXXX is one on my oldest credit account. Also, my revolving credit limit will be less than half of what I currently have.

8- They are going to close all my accounts effective XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone spending my cash when I was in jail

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 2022-10-10
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:
XXXX XXXX XXXX # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active XXXX  says XX/XX/XXXX, XXXX  says XX/XX/XXXX while equifax says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!

Company response to consumer: Closed with explanation