BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-07
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. 

Money nevergot to the beneficiary in the bank inXXXX! 

If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
LCI did not complete investigation of my Bankruptcy that was sent to them in XX/XX/2022. In fact, on XX/XX/XXXX they requested 60 more days to investigate ( which I do not give permission ). under Federal law it is my right to have investigations completed within 30 days or have the tradeline deleted if this is not completed. as of today, the public record Bankruptcy is still showing 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 explanation
Consumer complaint received 2022-05-20
Company: Comerica
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I need to speak to you XXXX. the company of direct express has caused me XXXX XXXX XXXX every month to verify my account I int with no cellular phone now becoming homeless it's all their problem from not sending me my card but to cancel my account hospitalized from loss after loss pain n suffering my experience was not acceptable XXXX there must be a XXXX times no money sent bk to me the cardholder no availability to receive missing XXXX XXXX at a time disputes nor are repayed no XXXX money paid put my funds on my card I will have my lawyer contact u hundred of time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is still ongoing. I am still no further ahead than I have been since this started in XXXX. As a matter of fact the last time I filed a complaint with the XXXX, Bank of America has said they would send their response/findings of this to me. I was told this on XXXX XXXX, and XXXX XXXX. As of today XXXX/XXXX/XXXX I have received nothing. However, on the XXXX site I noticed they responded to the XXXX and I absolutely dispute what they sent. I have never requested a deed in lieu. I never cancelled a short until the buyer I had from XXXX XXXX of XXXX finally cancelled. As far as cancelling a short sale in XXXX of XXXX I was trying to pursue help with loan remodification and there was no short sale paperwork going on. As a matter of fact I would receive letters telling me that due to Bank of America not receiving all requested paper work they were cancelling things which then led to me calling again to ask what they wanted as I sent them everything they asked for everytime.. My realtor also had great difficulty receiving information and responses from Bank of America. In spring of XXXX we went through months of sending and resending documents due to them wanting new wet signatures on everything that had already been signed. I have been talking with a XXXX XXXX at Bank of America and we talk at least once a week but still nothing is being resolved. She did tell me she would send new paperwork for loan re modification XXXX but I still have n't received that either and if Bank of America does n't resolve the issues of money still being charged and etc that I have requested Bank of America remove/write off I do n't know how anything will be any different. In the meantime, I still have a live foreclosure date looming ahead of me for XXXX XXXX which mean homelessness for me as well. Ca n't this foreclosure be stopped like it has been before when dealing with these issues?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I placed an offer on a house and contacted Bank of America loan officer that gave me a preapproval when i started looking. i asked where to begin told me the rates over the phone i asked for a Loan Estimate so i could verify it was the best deal. his tone changed and he told me my loan was hard due to a foreclosure in the past and other banks would have a hard time. I said ok i still wanted the Loan Estimate. he sent me a closing cost worksheet. i asked if this was the loan estimate he said yes, then i sent an email back saying even his document said it was n't at the top. The loan officer insisted that I send the contract over to him for the Loan Estimate. I referred him to the CFPB site and saying i did not need to send that information to him with what i need to give him. he brushed it off and requested the contract again. he still has not given me the loan estimate and continues to ask for the contract. when i informed him that according to the CFPB site i should not give him the information and if he continued I would complain to the CFPB and let them sort it out. he responded saying he wanted the contract for the property address and closing date and not to threaten him. so now I 'm letting the CFPB take care of it.

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 2022-06-01
Company: EQUIFAX, INC.
State: MN
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The bank has been lenient on solving my dispute they never asked for additional document but yet said they solved my problem, my claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and BOA ( Bank of America ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Bank of America. The real problem here is the balance transfer online with Bank of America reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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:
This account reported on my credit reports does not belong to me. Attached is a letter verifying this from the creditor. 

XXXX XXXXXXXX XXXX XXXXXXXX # 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 2022-05-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I sent my pay-off check to Nissian on XX/XX/XXXX by XXXX  for my XXXX XXXXXXXX XXXX XXXX. They received the payoff check on XX/XX/XXXX @ around XXXX XXXX and signed for the check. Its now XX/XX/XXXX and the loan is still not showing paid off. Which in turn now is going to make me 30 days past due and will now affect my credit score/report showing I was 30 days past due. ive called them numerous times asking about the account and why it has not been paid off and I get no answers but theyre showing that they received the check and sign for. It shouldnt take more then 10 Business days to process it because when you get a payoff quote its only good for 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: WA
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am XXXX. I have been struggle to meet the payments since I have XXXX job that I have been working and still struggle to make the full payment. I have call and it take long time because I was using the relay operator.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
Bank Of America credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a "Pay Statement Balance in Full" option on their recurring payments. This should be considered consumer fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had bill pay set up to pay my HELOC payment ; however, had to change bank accounts due to a compromise. I went on BOA site to pay but only get option to ebill. So I attempt to set up ebill and it was the worst experience I ever seen. It is asking me to add the BOA mailing address, while I am setting it up on their website. I naturally do n't know that so I look for a statement or address on their site. No luck can not find one at all. I have to then call them and spent 30 minutes on hold and got a hold of an employee who could n't help and was to transfer me to online banking for help. About 5 minutes of holding for them, I received an automated response telling me the call could n't be connected to hang up and try again. I have never in my life seen such tactics to delay and avoid accepting a payment from a consumer such as this. I feel like they are intentionally making this difficult and then not responding to the phone so I can be late and collect fees. Please step in and help. I work in banking and I can not figure this out and their employee could n't either so what does that say for BOA. Sounds like a plan to get money!!! I would like my fees credited back for this tactic on my HELOC, credit cards and Vehicle loan. I think that is the least they can for wasting my time and creating a process that obviously will not work. Sincerely, 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 monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient and XXXX are not working with me for Repayment options. I have told them that I can not make the monthly payments off of my income and they said they can not help me. They told me that there was no other options for payment plans and that I can not go into forbearance. They never told me this when applying for their loans. They advertised flexible payment options. Not to mention the interest rate the loans are at when interests rate are at an all time low right now. I can not make ends meet with paying them and trying to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : ACCOUNTS ; XXXX  XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$290.00} ; XXXX  XXXX XXXX Owed : {$3100.00} ; XXXX  XXXX Balance XXXX : {$3400.00} ; XXXX  XXXX Balance Owed XXXX {$1400.00} ; XXXX  XXXX Balance Owed : {$870.00} ; XXXX  XXXX Balance Owed : {$1400.00} ; XXXX  XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX  XXXX XXXX Owed : {$5000.00} ;

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 2023-01-23
Company: LoanCare, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This account is XXXX, Subserved by LoanCare.This file is in the Foreclosure Avoidance program. Which is required by the state of Oregon. 

Between XX/XX/XXXX and XX/XX/XXXX I the Homeowner provided my Housing Counselor with the documentation for Loss Mitigation review. The last document, a requested Letter of Explanation explaining why the Homeowner used a XXXX XXXX with an explanation of the eldest childs income and the XXXX bank statement was uploaded XX/XX/XXXX and the file submitted to the Beneficiary Counsel for the Beneficiary to review. 

Since my Housing Counselor believed it was a complete file, he contacted the Beneficiary attorney on XX/XX/XXXX and again on XX/XX/XXXX to inquire about the Loss Mitigation decision. 

XX/XX/XXXX was the 2nd Resolution Conference, and my Housing Counselor was only then informed by Counsel that LoanCare was confused by the request for Mortgage Assistance, deemed the file incomplete, and had communicated that to Counsel within the last couple of days. 

This lack of communications from the Beneficiary to Counsel so that I ( the Homeowner ) could resolve the issue in a timely manner is unacceptable because LoanCare never communicated that they considered the file incomplete until the Resolution Conference 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 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Bankruptcy

Complaint:
Bank of America is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Bank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXBank of America XXXX Opened XXXX XXXX High Credit Limit {$3000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, 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:
Equifax had received my letter with giving instructions to delete false information. My privacy as been violated by Equifax for furnish this false information without my writing consent violating XXXX statues of the law 15 U.S code 1681 ( A ) ( 4 ) and 15 U.S code 1681 ( B ) ( 2 ). By doing so Equifax had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 U.S code 1692c ( A ).

Company response to consumer: Closed with explanation