BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is a follow up on a previously submitted complaint regarding payment issues, and information changes without consent. After submitting the complaint, I was contacted by Chase Bank just informing me that they had received the complaint and were working on it. No other communication has taken place before, or since. I have since received a letter on the XXXX of XXXX, MANY weeks after sending in a complaint, from Chase Bank stating that I have requested to discontinue communication which I absolutely have not done. 
I truly believe this company is playing mind games with me now - this is the second time they stated they were given permission to change permissions on my account without my knowledge. ( First an address, now stating I have requested to discontinue communication. ) This company will alter your personal information without your consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
- I recently closed on a home mortgage loan with Citibank, and to get a lower rate with a relationship discount, I had to bring new assets to Citi thus creating a Citi Brokerage account. 
- Citi also requested that the XXXX month mortgage be paid with a Citi checking account, so thus I also created a new Citi checking account. 
- To close on the loan, Citi said this checking account needed to be funded with XXXX which I did. 
- After the house closed, there is still almost 2 months before my first mortgage payment is due, so I wanted to pull out some money from my checking account to put it into brokerage so this money can at least be accruing some risk-free gains in treasury bills . 
- Citi wouldn't let me transfer the money out from my checking to brokerage account, and then locked and closed my account immediately, which still had significant funds ( {$25000.00} ) in it, and said they would mail me a check in 60-90 days. 

I am not sure whether it's because my Citi checking account is new ( ~30 days old ), and then had several transfers in and out, but Citi flagged my account and closed the account entirely with no warning. Had I not tried to sign in that day to again, try to transfer the money to my brokerage account and then call, I never would have even found 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 non-monetary relief
Consumer complaint received 2023-10-18
Company: MOHELA
State: CA
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:
Hi- I submitted a form for loan forgiveness for XXXX over a month ago to Mohela in early XXXX. There's a box to check to request for forbearance while they verify if you qualify or not for forgiveness. I checked this box. 

I understand that it can take 90 days to see if you qualify for forgiveness, but my issue is the fact that they haven't NOT put my loan in forbearance in the meantime, even though it was requested. We've tried calling, but with waits times over an hour, its impossible to get a hold of anyone to ask questions. 

Others have had similar issues and said that they've reached out to the CFPB for help and that it would be a good idea for me too as well. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian allowed inquiries to be placed on my report without my consent. After several disputes challenging the inquiries, the company stated that the inquiries were valid, but DID NOT provide an original document/application with my signature. The company is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of Experian investigations, they stated in writing that the items were verified and are being reported correctly. The company did not state who verified the accounts. Experian DID NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it which is required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

There are numerous inquiries on my credit report that I do NOT authorize. I am a victim of identity theft through the XXXX XXXX XXXX Furthermore, unscrupulous characters recently stole my information to tried claim unemployment benefits under my name. I learned how to freeze my reports and since have frozen them. 
The following are the unauthorized inquiries that have hit my credit report that need to be removed. 

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 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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and should be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out student loans in XX/XX/XXXX. XXXX serviced these loans. 

In XX/XX/XXXX, XXXX declined to continue servicing Department of Education loans. XXXX therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. Experian accurately reports that I have {$0.00} balance with XXXX. However, Experian inaccurately reports that I have a $ XXXX balance with XXXX. This is false ; as stated, XXXX closed my account and transferred my balance ( see page 2 of the attached XXXX XX/XX/XXXX loan letter from XXXX proving I have {$0.00} balance ).

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 2023-10-13
Company: EdFinancial Services
State: OH
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:
Started making payments on my Parent Plus Loan to Edfinancial on XXXX XXXX. 
I have done 3 payments on the loan, on XXXX. Each time it has processed on there end but no payment has been taken from my back account. So Ed financial reversed the payment. All bank information is correct. I have tried to reach out to Ed financial and have not received any communication back from them. This will start to mess with my credit score if they don't get this straightened out. It needs to be addressed now by the government. It's messing with people 's lives.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: CT
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:
On XX/XX/XXXX, I made a payment for {$15000.00}. On XX/XX/XXXX, I requested a refund for the amount of {$15000.00}. On that day ( XX/XX/XXXX ), I was informed that the expected time to get the refund back is about XXXX to XXXX  months and that the money would be directly deposited into the XXXX bank account where I originally made the payment of {$15000.00}. As the time went by, and I did not see any deposit into my XXXX bank account, I tried cancelling the refund on XX/XX/XXXX. 
Since the loan of {$15000.00} stayed open on my account, I started to call again and again to investigate why the loan was not closed out. After many calls and search requests, on XX/XX/XXXX, I was finally informed that the refund had been issued as a check from the US Treasury on XX/XX/XXXX ( about a month and a half after my refund request, NOT XXXX months as I was told AND NOT a direct deposit to my bank account as I was told... ) and that the check ( US Treasury check for the amount of {$15000.00} ) was already claimed by someone else on XX/XX/XXXX!! Not only was I misinformed by EdFinancial about how the refund would work AND the timing, but someone claimed a US Treasury check under my name! I would also like to mention that in the many calls I made, no one ever told me that there was an update on any of the search requests ( until XX/XX/XXXX- thank you XXXX ) even though the results from the finance department were in since XX/XX/XXXX. 

Timeline of events for clarity : -Loan payment for {$15000.00} : XX/XX/XXXX XXXX request for {$15000.00} : XX/XX/XXXX -Treasury check sent for {$15000.00} : XX/XX/XXXX -Treasury check claimed ( XXXX someone else ) for {$15000.00} : XX/XX/XXXX -Refund cancel request for {$15000.00} : XX/XX/XXXX -Finance Department search request results regarding check for {$15000.00} : XX/XX/XXXX -Me getting informed the results were available regarding check for {$15000.00} : XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-12-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of $ XXXX by a Wells Fargo client impersonating a registered dealership. I called Wells Fargo to check on the company account before the transaction and was told it was active and no issues with it. I transferred the car downpayment and signed a contract and then the seller vanished. I called XXXX 's fraud line and opened a case immediately for payment recall. After few days I called to check and was told that XXXX transferred my fraud case to non-fraud department for another 25+ days of investigations. A local XXXX rep told me that the money vanished from the receiving account already. I feel that XXXX should be held responsible for creating bank accounts for scammers and has squandered my chances of getting my money back with their handling of the case. Is there a possibility of recourse on XXXX to hold them responsible?

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 2023-12-21
Company: CORELOGIC INC
State: MD
Product: Credit reporting 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 am writing to formally complain about unauthorized inquiries that have appeared on my credit report. This matter is of great concern to me, as it not only violates my privacy but also has potential implications for my financial well-being.

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 2023-10-13
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I wanted to speak with someone regarding my balance as it was XXXX more than what I calculated. It seems it went up when they moved my loan over to the new EdFinancial. Also, a year or XXXX ago I asked when was my payoff year and they told me XXXX and now it is showing XXXX even with me making monthly payments during the pandemic when there was no interest accruing. I tried to call a couple of times and they didn't call me back. I also emailed them and they have yet to respond. I feel I'm getting ripped off here.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-13
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called on XX/XX/2023 to find out what repayment plans I qualified for. I was told I qualified for a Graduated Repayment plan and that I would receive an email confirming the plan. It is now XX/XX/2023 and nothing has been updated or changed on my account. I have not received an email either. I have called 5 times and sat through 4 hour hold times only to be told that it has not been reviewed yet. The company keeps extending how many business days it will take to process. I have been told 15 business days, 29 business days, and 31 business days. It has now been 36 business days. My payment is due on XX/XX/XXXX, and I can not afford the current repayment plan. This does not seem legal or fair to me.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good day I am making a complaint concerning several accounts that have I have been disputing for a few years now. The creditors are XXXX XXXX  XXXX, XXXX XXXX and XXXX  which lists XXXX separate accounts.I will start with XXXX XXXX  XXXX this account was actually removed from my credit report and blocked as a fraudulent item but all the credit beauru 's let them insert the information back with no fight and I have been told that there is nothing that can be down. XXXX XXXX and XXXX all they state is that the information has been verified as accurate and no further information has been given. I am now attaching a signed and notarized FTC affidavit along with a police report and I am again requesting that these items be removed from my credit report and please send an updated report showing that these items have been removed due to identity theft

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 2023-12-20
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My mortgage is with Truist. I bank with XXXX Bank. I use XXXX XXXX to pay all my bills. When I use bill pay to pay Truist, Truist will NOT accept electronic payment from XXXX. My bill pay actually cuts a check and sends it in the mail which significantly increases the amount of time it takes for Truist to record my payment. All sorts of other financial institutions and companies accept electronic bill pay payments from XXXX but not Truist? Why is one of the biggest banks in the country refusing to let XXXX Bank send the payment electronically? XXXX has tried to make the change at least twice for me but Truist won't accept the money electronically. Again, this significantly delays the amount of time it takes to record my payment to Truist. Thank you for your attention to this matter.

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 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX  I sent a Bill of exchange payment of {$3400.00} by Restrictively indorsing the coupon they had sent me in the mail and sent this instrument to the payment address on the coupon. ( Image 1 ) has the tracking information. I attached a cover letter ( Bank of America XXXX XXXX XXXX ) explaining the process and if they needed further information who they can reach out to. After not hearing back I decided to call Bank of America on XX/XX/XXXX  and they told me that they did not receive any payment. I explained how I sent a valid payment to the address on the coupon. They told me to call back later to see if it would update in their system. I called back on XX/XX/XXXX  and they said that they had not received payment or that it was lost. I then explained that if you guys lost or destroyed my payment per XXXX XXXX the amount due must be discharged. They did not discharge the debt and said that I was incorrect. I then sent another payment of {$3500.00} Registered mail to CFO XXXX XXXX with no response ( Image XXXX ). I was then notified that my account was closed on XX/XX/XXXX  without my authorization. On XX/XX/XXXX  I then sent Bank of America a Notice of Claim letter, my Power of Attorney document, and the contract for my credit card account. ( Bank of America Notice letter 1 ). I did this following the Federal Reserve Act section 16 which states that " In no event shall such collateral security be less than the amount of Federal Reserve notes applied for ''. This notice letter is a tender of payment and makes it a collateral security. I did not receive any update ( Image 4 ) tracking information. I was then called continuously by Bank of America saying that I owed a debt that I already paid, which I explained that I had sent them multiple payments. They again said that they did not receive anything from me. I then sent another Notice of Claim letter ( Bank of America Notice letter 2 original ) on XX/XX/XXXX ( image 5 for tracking ). They have not responded to this letter either. They have also reported my non-public transaction history to XXXX, XXXX, and XXXX without my written authorization. Bank Of America has been knowingly and willingly breaching their fiduciary duties and acting in bad faith per Federal Reserve Act Section 29. They are knowingly causing me substantial financial loss and reporting incorrect information to unaffiliated parties.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress.

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