BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
From XX/XX/2021 to XX/XX/2021, I received phone calls from a number purporting to be a Chase representative ( XXXX ). This number is actually a Chase fraud number, and I was tricked into believing that the person on the other line was actually a Chase representative. The person provided me a name and an employee ID number and notified me that my XXXX account was hacked and that someone had tried to perform an unauthorized wire transfer. I logged into my XXXX account on my own and discovered that it was in fact hacked by someone named XXXX, and so I had further reason to believe that the person on the line was someone from Chase. He provided me information about my address and the location that I was in, and at this point I was convinced that I was talking to a Chase representative. The person on the other line told me that there was a hold placed on the supposed wire transfer, and in order to retrieve the money back, I would have to XXXX money to myself using my phone number to my phone number. To be more clear, I was using XXXX to send money directly to my own cell phone number. Although it seemed strange, I believed that this was alright because I was sending the money to my own phone number which should have been associated with my Chase and XXXX acount. On XX/XX/2021, I sent {$2000.00} to myself. On XX/XX/2021, I sent another {$2000.00} to myself. On XX/XX/2021, I sent {$1200.00} to myself. In total, over the course of 3 days I had supposedly sent {$5200.00} to myself. I called this phone number directly during this time period at a separate time, and it took me to Chase 's answering machine, so I knew this was a Chase verified number. However, on XX/XX/2021, I had called the number again and this time spoke to an actual representative. After telling her the details of my case, she informed that this was a scam, and the scammer had masked their number using an actual Chase number. She helped make a real claim to return my money. However, on XX/XX/XXXX, I received notice from Chase that my disputed funds were not approved and that I would not be receiving my money back. This is despite the fact that my account was clearly hacked. I have already contacted XXXX recently through this consumer complaint form, however they have directly stated that it is up to the " bank or credit union and their terms and conditions with their users regarding reimbursement of any payments made ''. As a result, I believe that Chase needs to act on this and help return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We originally purchased our home with XXXX in XX/XX/XXXX. We found that our home was worth XXXX less than what we owed. We filed bankruptcy to try and help get this under control and see if we could get this to where it was affordable. Unfortunately we were misguided by our attorney. We hired a new attorney which helped us and we were able to get a home modification XX/XX/XXXX. We were not able to make our payments prior to this but in this modification our loan payment went up. We then struggled and tried to keep up with our payments but just could n't keep up. We were contacted that XXXX sold our mortgage to Green Tree servicing. We contacted them asking them if there is anyway they could reduce our interest rate ( currently 6.75 % ) to the current rate around ( 4 % ) to make our mortgage payment go to around {$1900.00}. We started this process XX/XX/XXXX and got the run around stating they " Lost our paperwork '' " Missing items '' " Transferred to another representative '' " Waiting to be reviewed '' in every one of these cases we called on numerous occasions to ask the status and they would never give us an answer or they stated our case was closed. We finally in XX/XX/XXXX notified our attorney and asked that we just let our home go into foreclosure as they are unwilling to work with us and would rather our home go into foreclosure that work with a homeowner trying to save their home for their children. We really wanted to save our home and they acted like we were asking them to forgive our entire mortgage. Which we were not we were just asking for help in trying to reduce our payments so we could keep our home. They are not willing to work with the homeowner in any circumstance. I WOULD NOT RECOMMEND GREEN TREE SERVICING TO ANYONE! BUYER BEWARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
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:
Went to help my wife get a car, I explain I only wanted my credit ran once because it would hurt my credit score XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe a debt on my Care Credit Card which is a credit card used to pay for healthcare. I do not have the money to pay the debt and I have verbally stated this to them via phone call. The debt collection agency is through Synchrony Bank. 

I have received 3-7 letters over the past two weeks and 7 calls a day for the past two week regarding this same issue despite having detailed my issue.

This is harassment. I have already stated I can not pay, i have acknowledged that I was notified of the debt and yet they continue to call me 7 or more times a day from XXXX XX/XX/XXXX- XXXX XX/XX/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 2021-03-24
Company: Nelnet, Inc.
State: PA
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:
Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is  [or XXXX dollars].

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 2021-12-30
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This in reference to my Wells Fargo Financial Platinum Visa card that I been a member since XXXX. 
For the year XXXX, I was charged {$180.00} in late fees. My payments are due on the XXXX of each month. I did not notice this till I saw my annual report that showed I had late fee totaling {$180.00} ( XXXX. XXXX {$24.00}, XXXX. XXXX {$40.00}, XXXX. XXXX {$40.00}, XXXX XXXX {$40.00}, XXXX XXXX {$40.00} ) I made the following payments - XX/XX/XXXX ( paid {$1000.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$700.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$500.00} on XX/XX/XXXX ), XX/XX/XXXX ( paid {$750.00} on XX/XX/XXXX ), and XX/XX/XXXX ( paid {$2000.00} on XX/XX/XXXX ). They charged me late fees even when the bill was showing the money was paid. 
They paid me back {$80.00} as a one-time courtesy as if I failed to make my payments. The person on the phone was rude and side it was my fault I have to abide by their rules of payment. - I do not understand. I only know to pay my bills before the payment deadline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We filed a Complaint # XXXX with your office against Green Tree Servicing for harassment and Illegal debt collection practices in XXXX 2014 and you closed our case, and then the XXXX fined this company over XXXX XXXX dollars. We are confused as to how our case was closed when we have still taped recordings of the harassment, as well as, the improper and illegal collection practices they used. In addition, this company has now added double the debt to our credit reports and completely tarnished our credit. This company has now changed it 's name and is continuing their deceptive practices. We were denied a loan modification even after we were approved for the HOPE with XXXX XXXX our XXXX Mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My. computer has been hacked. This person has added themselves to my credit reports and credit cards : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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  Account # XXXXXXXX XXXX XXXX, # XXXX XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15U.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 an 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 2021-12-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I called bank of America to dispute charges on my account, bank of America closed my account and has not let me report any fraudulent charges can someone please help me, someone used my account and now I need my money back

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 2022-05-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Company has wrong addresses work place on my consumer report and should only have my correct name on report XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Target Correct name ( XXXX XXXX XXXX ) any thing other than this should be changed or fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. I filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediations they said once we produce the documents and letters that my figures we were good and I would have no problems qualifying and getting approved as I qualified for it. They based my mortgage in mediation on fixed XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. Then we got a denial. 
So, I filed all over again several times and finally got approved for XXXX at 2 % fixed mortgage. I made my payments of XXXX per month and after the third payment they sent the final paperwork and the mortgage went from XXXX to XXXX Balance. The house only appraised at XXXX so I do n't know how the mortgage went to XXXX? This is nothing more than predatory lending again! How can a homeowner sign a mortgage for more that the house is worth and the figures they are using have tacked on XXXX onto the original pic a payment loan for interest! How are they getting away with this? How do they give me a predatory mortgage again? Today they were accused of racketeering for charging homeowners who were in default way over what their loans were and they settled again for XXXX XXXX dollars. Why ca n't I get a mortgage modification for a fixed price which I was quoted originally and now and they keep playing these crooked games? HAMP has now supposed changed over this long process and that is why they stalled to approve me! I want this straightened out.

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 2023-02-01
Company: CL Holdings LLC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Jefferson Capital XXXX company is trying to collect a debt from me that I did not sign or make the loan with them. This loan was made with XXXX XXXX and by law it is illegal to sell a debt to a company without my authorization. 
XXXX is the letter whith the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Account Name : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We are reaching out to you for your help in protecting us ( consumers ) against wrongful accusations from bank ( mortgage loan ) establishments. Attached are documents and letters that will help support our case of wrongful and fraudulent activity committed against us. We originally obtained a mortgage loan from Countrywide Home Loans with a 1st and 2nd loan in 2006. Later on we found out this mortgage was a fraudulent loan to begin with. They used inaccurate income, asset and liability. They also incorrectly reported our principal balance over $ 40XXXXXXXX than the original loan.

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 2015-05-29
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX 2015 my XXXX Mitsubishi Truck was totaled loss andNavy Federal Credit Union financed it and I purchased GAP because theRep ex plainer that my truck if ever loss would be replaced at Bill of SalesValue. The wreck was n't my fault and they took 100 % Liabilty for the XXXX Mitsubishi. 
XXXX NFCU paid XXXX XXXX from XXXX XXXX and willReimbursed from the they 're insurance. XXXX the Claims Repfrom NFCU refused to pay me XXXX. XXXX deductible stating it was included in the XXXX. Despite GAP Claim on NFCU Website they pay up to XXXX & XXXX for replacementvehicle. XXXX also has filed a claim demanding the XXXXGAP Reimbursement from the driver at fault insurance company. 
They refused me another vehicle because of my lowcredit score- that 's not what they 're sales representativeexplained to me XXXX XXXX years ago when I Purchased GAP norWhat they 're NAVY FEDERAL CREDIT UNION WEBSITE STATES. 
I 've been without my truck for a month and they received XXXX plusXXXX.XXXX and I still have my rights violated by NFCU FRAUDULENT SALESPRACTICES AT TIME OF PURCHASE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a 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 explanation