BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Offer : XX/XX/XXXX I received a special offer from Chase : Receive your {$1000.00} welcome bonus when you follow a link to open a Chase Sapphire Banking account which expires on XX/XX/XXXX. Ramifications of the offer included within 45 calendar days, transfer {$75000.00} or more in new qualifying money to a combination of eligible checking, savings or investment accounts ( INCLUDING THE YOU INVESTMENT BROKERAGE ACCOUNT ) and maintain that balance for at least 90 days. 
Steps I took : During the week of XX/XX/XXXX I followed my special offer link to open the account. 
On XX/XX/XXXX I deposited {$75000.00} of outside money into my new Chase sapphire checking account. On XX/XX/XXXX, I transferred {$74000.00} of that money into a Chase You Investment Brokerage account ( which is one of the eligible accounts required to maintain my balance for 90 days in order to achieve the {$1000.00} bonus. Since that time to this date on XX/XX/XXXX ( well over 90 days ),  Chase has still not provided me with the {$1000.00} sign up bonus. 
Steps I took to rectify the situation with Chase representatives : On XX/XX/XXXX - I sent my first inquiry to Chase via the online help message portal checking on the account sign up bonus that was well overdue and not yet deposited in my account. They responded this was a matter requiring the expertise of the customer service department with a phone number to call Later that week ( after the XX/XX/XXXX message ) I tried calling the customer service phone number, but was met with no support. The representatives could not help rectify the situation despite me walking me through the steps of the sign up bonus I fulfilled. They requested a confirmation email of hitting the bonus which I never received. They were unable to help and the phone call ended up dropping on Chases end. I later spoke with two more representatives who were also unable to help and had phone calls dropped unable to help rectify the situation. 
During the week of XX/XX/XXXX, I spoke with XXXX XXXX, a branch manager of the XXXX XXXX location hoping this approach would work. She spoke with her manager and they agreed I achieved the merits of the offer, but because I didnt sign up with them in branch ( I signed up online ), they could not help rectify the situation because their branch would lose money from fixing the situation. 
During the following week of XX/XX/XXXX, I spoke with another representative from the Chase Sapphire banking line who needed his supervisor to call me back to help rectify the situation. He mentioned the supervisor would call me within two weeks it has now been over 1 month. 
Apparently Chase representatives claim they cant track proof of me clicking on the link for the special offer even though I followed all steps aligned with my special offer email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: NV
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 Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX 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 2020-01-16
Company: Experian Information Solutions 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:
THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF 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 2017-05-30
Company: EQUIFAX, INC.
State: TN
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 sent a dispute letter to the credit company for the numerous amounts of unauthorized inquiries on my credit report that impacting my score and chances of acquiring credit. They have been giving me the run around for months about this situation. I sent the letter through certified mail to ensure the safety and timeliness of the letter getting to the credit company. The letters were mailed out on  XXXX   XXXX ,  2017  and I have not received any forms of communication about this situation. I need this deleted off my reports as soon as possible.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX account # 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 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 2022-02-23
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Wednesday, XXXX XXXX, 2015, I went into a BMO Harris branch in XXXX, Illinois to apply for a mortgage refinance. I presented the Mortgage Banker, XXXX XXXX XXXX XXXX a commitment letter from my current bank for the mortgage refinance and asked if he could do better than their deal. It was an interest rate of 3.5 %, for 15 years with XXXX origination fee and XXXX discount fee. Although he said the cost would be approximately {$1500.00}. He also said that the recent appraisal of my house could help to reduce the cost of the loan and I would get a grant for {$1000.00}. But he required a {$100.00} deposit. I provided a master card for the {$100.00} and asked for a receipt and he said he would email it, but he never did. Today, I received the application via express XXXX letter that he completed along with other mortgage documents including disclosures and settlement information. How can {$4100.00} in settlement charges be better than XXXX cost and XXXX origination fees? I wanted to borrow XXXX, but the application says that I want {$85000.00} to pay for consumer debt when I did not ask for additional funds. I told him that I currently do not have an escrow with my current mortgage and want to keep it that way, but the application/documents he prepared state that I would have an escrow. I have asked whether I would be denied a refinance loan for the {$73000.00} and whether I am only approved for the larger {$85000.00}. To date, he has not documented whether or not that is the case. Also to date, he has not provided me a receipt for the {$100.00} that I have requested XXXX, but BMO Harris managed to charge my credit card. I have found this loan refinance process to be such a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CA
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent 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 non-monetary relief
Consumer complaint received 2017-05-31
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt and the debt collector promised that once I paid the debt they would remove the item from my credit report. They did not honor the agreement and only updated it as paid

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Because of the way the bank is now listing things online, I can not tell whether it a debit or credit.This is not helpful accounting practices. This is a easy way to confuse people. Due to an head injury, this makes things more confusing. Online baking has always been in an accounting layout, the new layout is for apps, for smart phones. This is not fair, or right. I have multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am filing a compliant do to someone accessing my personal financial identifiers. I was in the hospital for a while and when I was released I recently discovered that my information had been compromised. My name is XXXX XXXX XXXX please remove delete any another version of my name! I will be filing a FTC compliant and a police report as well. 
The following addresses are fraudulent I have never lived at these addresses please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN 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 2022-06-21
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX : ADDRESS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I was receiving harressing calls and home visits from Tower Loan and wanted their collection actions stopped. I asked my wife to calk and tell them to communicate to me only by mail. So she called in late XXXX of XXXX. She called Tower Loan and spoke to a male. She told him that I am demanding that they stop all communication calls to me, family, friend, neighbors, Place of employment and not to come to our home. She told him that the only communication that is wanted is via mail. She was told that the only way to stop receive that request it would need to be in writing. So on XXXX XXXX, XXXX I wrote a Cease and Desist Letter ( letter and certified mail receipt and delivery receipt will be down loaded ). On XXXX XXXX, XXXX a XXXX XXXX signed & printed her name on the delivery section. On Friday XXXX, XXXX my sister called me and said she received a voice message from a XXXX telling her to have me call him at XXXX. She then forwarded me the voice message. I was very upset by the collection call because I felt that my consumer rights were violated. At around XXXX on XXXX/XXXX/XXXX I called the number and spoke to XXXX XXXX. He said that I owed over XXXX XXXX dollars. I then told him that I would be in tomorrow morning to pay it. After getting off the phone I talked to my wife and told her that my rights were violated and that I have been harressed and something has to done to stop XXXX XXXX and Tower Loan! I then instructed her to call Tower Loan and record the call. My wife and I were lied to by XXXX XXXX. He told her that his notes said that my letter said not to call or Mail anymore which was a lie. She told him that he was harassing us and then he said that we were harressing him and then theatened us by saying we were refusing to pay and proceeded by hanging up the phone. She then called him back and he admitted that he called my sister and left a voice message with his name and number and asked to have me to call him. My wife then began to read him the certified mail receipt letter to him. He then said that he was going to send my file over to his attorney 's office and sue us. He said that it does n't matter what I pay he 's still going to send my file over to an attorney. XXXX XXXX then made a slandering commit to my wife. He told her that if she would stop spending my money that I probly would not have this problem. He then said to her " why am I even talking to you, your not even on the account. Then said that he was going to file a law suit on her and hung up. Both phone calls were recorded. First recording XXXX/XXXX/XXXX XXXX cst and 2nd recording at XXXX cst.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX sold the XXXX buy power card to Marcus Goldman Sachs. On Saturday none of my cards worked called XXXX XXXX and was told to call Marcus Goldman Sachs. Called and was put on hold for over 30 minutes than disconnected. Called back to a recording that now says they wont help XXXX  XXXX customers until the 22. Called on the 22nd where I waited 3 hours for a call back only to be told in that call back that my account didnt fully transfer and they dont know why. Try to log in at XXXX to a page that says they need info and to call them. Call them to 3 hour hold times. Was told I will get a call back from a manager in 24-48 hours but I doubt it. Meanwhile XXXXl XXXX closed my account which was my longest open account at 15 years and due to the age of that card and my available credit sinking my credit score dropped 40 pointsgreat since I never had a late payment and paid the card off weekly. This is a terrible rollout and expect a class action lawsuit. Signed up for a XXXX card with citi. XXXX and XXXX XXXX should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I disputed the validity of the debt, And requested the name and address of the original creditor with a document to validate the debt. 
The company then stated that I was a buyer and a customer not a consumer over the phone, I requested that in writing and they refuse to do so but send me a copy of a False and misleading alleged contract. Ive also made numerous complaints regarding the fair debt collection practices act and the truth in lending act and the fair credit reporting act. Santander consumer USA is not respecting it. 
Instead they refused to comply and threatened to repossess my vehicle once again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have paid out XXXX to an attorney to help me save my home. It did not happen. XXXX, XXXX, XXXX and Bank of America have all had their hands on this house at XXXX point or another. I have been told to convert the chapter XXXX to a XXXX and give up my home. I am XXXX and so is my mom. I have a XXXX in my home for over 30 years. But nobody cares. All they want is to get their hands on the PMI insurance I have on the house and they get to sell the house to They have not offered me any kind of money to help me relocate Nothing. And this is the American way. All I can say is that I am a victim of predatory lending, something is wrong when the families are torn apart, the elderly and XXXX have no rights or protection. 
XXXX never served or tried to serve me any kind of summons, letters nothing. They are wrong. I need help because I did not come into this house poor, broke, no money, etc. Since I have been paying them my mortgage for over a year and my bills I am broke. These people broke all kind of laws and it looks like they are getting away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So, are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later, another Navient representative called me back with the same arrogant, threatening tone,. Again, I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time, we realized the private loan was not in default. In XXXX, I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact, per their documentation, both are now being financed through Navient XXXX Corp., not the original lender.. Notation on the loans are '' interest rate, variable, set by lender, Navient. '' This was the first that I have heard of this. I am being " robo call '' so severely, that I attempt to " block '' the number to no avail. Why? Because they call from different numbers. The latest is XXXX. This is the number they continued to call me from on Monday, XXXX XXXX. Although they telephoned, XXXX and XXXX. respectively. I received another call from them at XXXXeven though I had spoken with them earlier that day. Prior to filing this complaint, I have been receiving messages from a XXXX, XXXX, and many more Navient employees, 3, 4, 5 times a day. I have been completely stressed from the harassment. I have lost weight, pulled out my hair, and my skin has became seriously inflamed ; all from stress. I do n't understand the relationship between XXXX XXXX and Navient, but Navient is by far the WORST.

Company response to consumer: Closed with explanation