BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was defrauded by an individual who claimed he was purchasing a piece of furniture with me. He agreed to a purchase price of {$520.00}. He sent me a XXXX money order, which seemed fishy but possibly legitimate, for much too much money, XXXX money grams for {$930.00}, or {$1800.00} total. I communicated with him via SMS that i had received too much money, he stated that the extra was for the shipper, and he was having multiple items picked up. He requested that I take out the delta in cash and forward to the shipper via money order, whose name he sent me. This is where I was social engineered, and it retrospect it was not a smart move. 

I then *waited* for the money to show as " settled '' in my checking account, which i did. I assumed that this meant the money was legitimately in my account and available for withdrawal. I took out XXXX {$1300.00} in cash and sent the guy a XXXX for that amount. 

Then, trying to arrange for pickup, on XXXX the buyer claimed that his child had gotten into an accident and he could n't buy the furniture anymore. I got extra suspicious, and checking out my Chase balance was alarmed to see that the funds from the original money orders were being reversed. So I know this was all a fraud from the beginning. 

I approached Chase 's fraud department to dispute the withdrawal, since they had cleared the money order funds. They referred me to their customer contract where they state they can " withdraw any money from my account at any time for any reason '', which i told them was horrible customer service. 

Thus my complaint. Chase Bank must see fraudulent money orders often, and should have protected me a long customer from this by NOT SETTLING FUNDS until they were cleared by XXXX -- like most credit cards would do automatically. I 'm quite upset!! In other words, do n't trust Chase with money orders that " cleared '' actually means anything. Because it does n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for HARP Refinance through Chase Bank XX/XX/XXXX. Assigned Mortgage Representative was XXXX XXXX. The loan fulfillment coordinator assigned was XXXX XXXX. XXXX XXXX does not act as a suitable liaison between Mortgage Underwriting and her clients. She is incredibly rude and disrespectful boarding on discrimination to her clients. Per telephone conversations, she has informed me that Chase Bank handles their perspective mortgages in a purchase-first-refinance-second basis. Meaning, any refinance comes second to any purchase she had been assigned at the time. Thus the reason for my lengthy refinancing process. I provided all required documentation for loan submission as requested in a timely fashion. Every loan is different, thus different time frames for loan closing. As of XX/XX/XXXX, we are still actively trying to complete the loan. As this has been an incredibly lengthy and stressful process, my particular situation was escalated to XXXX, then further escalated to XXXX XXXX. I was then informed the entire process was being held up by a lien release from a financial institution that no longer exists. Chase Bank has acquired various financial institutions in the past, along with their customer files. They have misplaced an internal document of a lien release XX/XX/XXXX. I did not misplace this lien release. I have never had this lien release in my possession. Chase Bank has informed me they will not make an exception on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CBE Group purchased an allegeded debt from XXXX XXXX for {$50.00} concerning disconnection fee from 2019. I did live at the address in question XXXX XXXX XXXX but I returned any equipment and paid my bills on time. This collection showed up on my account 3 years later and I never received communication within that 3 years stating I had an outstanding balance. Plus I dont remember being a part of XXXXXXXX XXXX? I am disputing this claim paid in full, service equipment returned or whatever nonsense would of created an alleged {$50.00} outstanding collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NC
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:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, XXXX, and Equifax for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Since XX/XX/XXXX I have been unable to access my Citibank Online Banking. After several calls to the Call Center they told me that my account was under review and after 60 days they were going to send me a letter stating the reason for closure and a check with the funds in the account. The review began on XX/XX/XXXX. After the 60 days I contacted them almost every day, but they do not give me an answer and the operator tells me " I have no info to give you, I will proceed to end the call ''. In some calls, I was told that I would receive the check within 5 days, but it never arrived. In other calls, I was told that they had sent me a wire transfer to the account from where I sent the funds to citibank, but it never arrived. 
My personal banker does not answer my emails and does not answer the phone. 
On XX/XX/XXXX I received an account statement saying that the checking account was closed since XX/XX/XXXX, the same day that a debit was made for " Other Withdrawal ''. The Savings account is not closed, but has a debit with the same date " Other Withdrawal ''. 
In the Checking account I had {$20000.00} and in the XXXX account {$7000.00}. 
I opened the account in XX/XX/XXXX at Citibank in XXXX, XXXX XXXX. The branch at XXXX XXXX XXXX. 
I understand that Citibank can close my account, but what I don't understand is why they won't give me back the funds I had in those accounts.

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 2022-09-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchase this car thinking its only XXXX I was so excited Im getting my car but I was rushed to sign due to them prolonging the hours then said I have to hurry up and sign because they about to close I signed thinking I only have to pay XXXX I already but a XXXX down payment. My payments monthly is {$450.00} I asked how much payment I have left I was told XXXX Im so confused of how my car went from XXXX to XXXX and have left XXXX when its only valued at XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX cbna sears XXXX oh XXXX phone XXXX credit card i never put in this fraud idenity thieft another one XX/XX/XXXX XXXX XXXX XXXX nd XXXX XXXX phone XXXX XXXX loan from them i never put in for this fraud idenity thieft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Mobiloans, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  Accounts opened in the amounts of : {$2100.00} {$610.00} {$170.00} XXXX  XXXX  Accounts opened in the amounts of : {$450.00} {$300.00} {$150.00} XXXX XXXX Accounts opened in the amounts of : {$690.00} {$410.00} {$120.00} XXXX XXXX Accounts opened in the amounts of : {$900.00} XXXX XXXX XXXX Accounts opened in the amounts of : {$80.00} This letter is being sent to you in response to notices seen on credit report and more importantly, due to your erroneous reporting. Its has highly made a negative impact my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

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 2019-06-07
Company: EQUIFAX, 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:
EQUIFAX HAS SOME INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE, DOES NOT BELONG TO ME AND IS INACCURATE. 
EQUIFAX IN IN VIOLATION OF THE ( F.C.R.A ) ( HIPPA ) AND ( FTC ) I DID NOT GIVE EQUIFAX CONSENT TO REPORT THESE INACCURATE ITEM ON MY CREDIT REPORT. 
EQUIFAX DID NOT CONTACT ME FOR VALIDATION OR TO CONFIRM ACCURACY OF THESE ITEMS. 

THE FOLLOWING ITEMS ARE INACCURATE AND NOT MINE : NAMES : XXXX XXXX XXXX-NOT MINE ADDRESSES : FL, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FM XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX-Never lived there XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX -- Never lived there ACCOUNT THAT ARE NOT MINE : XXXX XXXX   -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX  -- NOT MINE XXXXXXXX XXXX XXXX  -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE INQUIRIES : XXXX   XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE XXXX XXXX -- NOT MINE XXXX XXXX XXXX -- NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I received a credit alert through credit wise starting that my score dropped -50 points due to a {$47000.00} increase in Dept. 
When I reviewed my and report there were know new dept reported. My mortgages had been paid on time so they decrease. The only increase was in credit card and it was less than {$3000.00}. 
When I added all my Dept, it has been between 165k and 167k for the last several month. The report stated that it had risen from 119k to 167k on XX/XX/XXXX. After speaking with XXXX from XXXX XXXX, he says that they must have reported score incorrectly in the past. 
This sounds like a bias move that the credit bureau has made to lower my score which in turns puts me in a less desirable category for favorable credit, interest And insurance prices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I applied to open a joint share account at the XXXX XXXX XXXX XXXX ( XXXX ) in order to place some funds into CD 's. I had exceeded the amount of funds insured in my current credit union account and need to have use another institution so my money will be insured. I made several attempts to open the account online but was having issues. I contacted the XXXX several times by phone but was still not able to open the account. Finally, some more experienced person helped and found the problem. The XXXX uses Equifax to run a credit check before opening an account. I went online at all 3 credit bureaus and unfroze my and my wifes accounts and received confirmations of such actions. I contacted XXXX and told them the freezes had been lifted. They checked with Equifax at the end of the day XX/XX/2020 but they still got a response our credit was frozen. XXXX again checked XX/XX/2020 first thing and still got a response they were frozen. I went online and signed into myequifax.com account and it showed it was unfrozen. I called Equifax and spent over 2 hours waiting to speak to a representative. They checked and said the accounts were unfrozen. I still have been unable to get a share account approved by XXXX because my credit accounts are frozen. Equifax has total control over our lives, they make money off our data, yet we have no recourse when we can not get an account opened. Some of my money is sitting uninsured in my current CU and I am unable to open another account in a different CU to insure my money. This is just crazy and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
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 FACTUAL DATA, XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EdFinancial Services
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Requested refund on student loans payment through cares act. Was told 180 days for refund. Edfinancial is the only servicer saying it will take this long. 180 days is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Westlake Services, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I received a title loan on XXXX XXXX of {$2200.00}. The title agency charged me an extra {$3600.00} for acquiring the loan. The loan also- had an interest rate of 118.28 %. I made over XXXX payments of {$380.00}. 
I had to file for bankruptcy due to my husband passing away and my financial status. The bankruptcy was filed on XXXX XXXX and discharged on XXXX XXXX, XXXX. The title loan agency was placed under the bankruptcy. Despite the closed out bankruptcy I continued to pay the agency. I became two months behind on XXXX XXXX and the agency came to my place of work and took my car. My son offered to bring the account current, but the agency added several thousands of dollars making it impossible for us to get my car back. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
completed intake information with Quicken loans on XX/XX/2020 by the time i hit submit - Quicken Loans called me. 
with in a few minis, I had to complete the information requested in order to get a current rate. 
The intake asked me for my SS # and Date of Birth - by doing so - I asked will I get a copy of my report? I was advised to speak with another department after the service for that information. 

Afterwards I was transferred to another department - Client relations where I was told - That I can not get my full report that they pulled - but I can go to another website to get my information. That Quickenloans / DBA Rocket Mortgage - did not disclose to me that before taking my information - they refuse to give me a copy of that credit report - it's their policy. 

1 ] Upon their web Site - it does NOT Disclose that information before submitting your information. That it's Quicken Loans / Rocket Mortgage Does NOT Provide the applicant with their Credit Report. 

2 ] While on the call - that information is NOT DISCLOSED to the applicant before giving that information. - I was advise that Client relations will give you that information? 

I find it to be a bait and switch - misuse of personal information This is a violation of-. The Fair Credit Reporting Act. 



Phone number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mich. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX my wallet was stolen with my USAA and XXXX XXXX debit cards. In that wallet was my online credentials along with my pin. On XXXX XXXX I reported my wallet stolen because It was counterfeit checks deposited into both my separate bank accounts and money withdrew. XXXX XXXX investigated the situation on there end and found that I was not liable and my funds were returned. On the USAA side my luck has not been the same. I have been struggling for anybody on USAA to contact me on my investiagtion. Nobody can ever give me an answer. I have been on hold as long as two hours. Any contact that has been made has been because I made it. When the funds were withdrew I was left with a balance of ( XXXX ) that they are trying to make me pay. I refuse to pay balance, ESPECIALLY that I have not created, nor been told why I am being held responsible. Mind you this situation has been on going since XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: EQUIFAX, 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 XXXXACTUAL DATAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an XXXX XXXX Checking in XXXX when there was a {$150.00} bonus promotion after depositing {$1000.00} into the account. Please see attached screenshot. 

Fine print from bank : Open a new XXXX  Checking account using the link below. 
Within 60 days, make deposits totaling {$1000.00}. 
Keep your account open for 90 days. 
Bonus will be deposited to your new account within 14 days of meeting the requirements. 


I met the terms. But still did not get the bonus. So, on XX/XX/22, I contacted the bank. The agent told me that the {$1000.00} deposit has to be in direct deposit. So, they refused the bonus. 
XXXX 's terms are deceptive and they just want to deny me the bonus. The terms say make deposits and no mention of direct deposit. See attached screenshot and the fine print above. 

Please issue the {$150.00} bonus as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: MARINER FINANCE, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I have dont everything I know possible to get this account taken off my credit . Mariner Finance  told me that once I submitted a police report, it would be taken off. That was done in  XXXX  of  XXXX . It is now  XXXX   XXXX ,  XXXX  and it is still on my credit. The branch  manager of Mariner Finance -   XXXX  - knows the account is not mine and has physically spoken to the account owner. I can provide bank statements that show I never cashed this check or even knew about it until  XXXX  of  XXXX . And since then, I 've been trying to get it taken care of. Wha t Mariner Finance is doing is illegal. My credit score ha s gone down SIGNIFICANTLY due to the amount of the loan and the delinquent/late payments.  XXXX  said the fraud investigation would take 30 days, then she said 60 days ... well now it 's been well over 60 days and still no response. By recognizing and acknowledging that account is n't mine, what they are doing is illegal. They can not keep someone else 's account on my credit. The check should have never been processed in the first place when my sisgnature and my phone number and my bank account were n't the ones used! Who does that?? Who allows another person to take out a loan that 's not written to them. If my name was on the check, should n't the loa n officer have b een alarmed when another person ( not me ) was making the payments?!?!

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