BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I filed a dispute with Chase XXXX about a contractor who did not and would not complete work that I paid him for. After filing the dispute, with photographic evidence, detailed descriptions of work not completed, letters from the subcontractors who were working on the job confirming the work was not done and invoices from other contractors we had to hire to complete the work, Chase XXXX still sided with the merchant on the matter. Chase sited that the merchant, with NO EVIDENCE, stated that they completed the work and I was satisfied with it, that is it. that is all they had to say to win the dispute. Needless to say, if this is the way Chase backs their customers, NO ONE should do business with Chase, ever. It is pretty much a CC with no protections for their consumers and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: Credit Karma, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I use Credit Karma to monitor credit activity on my accounts. Recently, I have received 2 unknown/unsolicited Hard Inquiries, one on XX/XX/XXXX ( XXXX, XXXX, CO ) and another on XX/XX/XXXX ( XXXX, XXXX, FL ). Please see attached for contact details of these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: MD
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, 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, 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 non-monetary relief
Consumer complaint received 2022-10-06
Company: NCB Management Services Inc.
State: AZ
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:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. 

I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to me.

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 2017-10-17
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased this car in XXXX, a XXXX Model XXXX XXXX} I have paid XXXX payments at {XXXX}. This comes out to XXXX My balance to this day is {XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company Synchrony Bank Guitar Center- account ending XXXX closed the account without my permission. I always paid my bills on time, when using the credit card I always paid the balance every month. The Company closed my credit without my permission, resulting in hurting my credit score. I had a balance of XXXX dollars. This was not a reason to close my credit card. I always was good customer and continue being a good customer.

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 2022-05-06
Company: EQUIFAX, INC.
State: MI
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 they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account : XXXX 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 2022-05-06
Company: EQUIFAX, INC.
State: VA
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:
I was told Equifax did a proper " investigation '' on my credit report however, after contacting the company myself it was reported that Equifax never actually contacted them about this issue. I have proof that the company agreed to remove this fraudulent account from my consumer reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: TX
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 do n't work. I am a single parent, who does not work. I have tried on several occasions to get them to lower the payment. They talk to me as if I am a child. They refuse to lower my payment. They want me to pay in excess of XXXX dollars. I think they are doing this because my dad cosigned, so they feel he should pay. He even talked to them, told them how much he makes, how much his bills are, then they decided to charge more, monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My wife and I had to file for bankruptcy Chapter XXXX in XXXX as primary physicians it was simply impossible to survive- we have now reliable good paying jobs- have incurred no additional loans ( except a XXXX/ and a XXXXlimitcredit card besides our mortgage ) For 3 years of the five year plan- it i well documented by the XXXX XXXX XXXX that we have been paying into XXXX and Texas XXXX School Loans- until dismisssal of our Chapter XXXX XXXX We then paid a payment to XXXX and to XXXX in XXXX XXXX presented a payment plan with at least XXXX different payment addresses- with a higher balance that the trustee reported + a XXXX penalty/late fee! The Department XXXX list the balance owed as XXXX when the Chapter XXXX trustee list the balance as of XXXX as XXXX.Then Navient started sending emails about nonrepayment of XXXX since XXXX XXXX with also a higher balance that the trustee reported- as if we 've made no payments at all! The XXXX loan at the beginning of bankruptcy filing wasXXXXXXXXXXXX and at the end of bankruptcy XXXX it was XXXX, XXXX! Navient lists the balance owed as XXXX. How did this happen? The totals are off by XXXX dollars and XXXX reports this as a NEGATIVE- we ca n't even begin to get an electric company loan to fix our heating and find a car for work! We have not saved enough for our children 's college and dread that they will be caught in this same quagmire. We are honest paying professionals and have been pummeledby government XXXX XXXX restrictions that make it utterly distressing to have to deal with constant justification for the work we do only to get pitiful reimbursements. All we want is for both Texas XXXX and XXXX loan totals to coincide with the Chapter XXXX trustee reports and get credit for all the payments we made the last 3 years- and have a reliable address ( es ) to send payments to. Stop all this penalty fees while we 're sorting these out ( we had not got any credit for the payments we made in XXXX XXXX! ). Stop Navient from reporting to credit bureaus that we are delinquent when we are not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Escrow was analyzed XXXX/XXXX/2016, showed # XXXX shortage, which I paid ( Scan XXXX ). Received adjusted anaysis date XXXX/XXXX/16 ( Scan XXXX ). Mortgage changed in that I no longer have to pay PMI of $ XXXX/month as of XXXX, 2016. Received Escrow Disclosure requesting ANOTHER {$1500.00} payment of " Escrow Shortage '' dated XXXX/XXXX/16 ( Scan XXXX ). They have taken my winter taxes, which were {$160.00} last year, and plugged in the larger amount of my summer taxes ( which was used as summer tax amount ) of {$2000.00}. I called and explained all, requesting re-analysis, on XXXX/XXXX/16. I was told the account would be analyzed again and I would receive a letter within 21 days. Nothing has been received but my bill indicating the escrow increase of almost {$200.00} per month. The taxable value of my home has only increased by {$130.00} over last year ( Scan XXXX ). This is nothing more than robbery.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, 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 account ending in XXXX on my credit report is a fraudulent account that was done via identity theft. This dispute was taken before a judge and the judge ruled in my favor agreeing that the account was fraudulent and ordered the Credit bureaus remove the tradeline from my credit report. See attached ruling. Despite that the credit bureau will not remove the tradeline

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: PA
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 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. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Experian Information Solutions 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:
Experian data breach. I tried to send multiple times to them that there are information on my credit report that I didn't apply for and didn't receive. I mailed on XX/XX/2015, and XX/XX/XXXX and each came back stating unable to forward and was sent back to me. No one answers the phone as well

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 2019-06-03
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have reached out to this agency in regards to an alleged amount {$250.00} owed by myself. I asked them to itemize the debt on top of provide my signature with me giving my medical provider permission to share my information with a third party. This is a HIPPA violation. None of these documents have ever been reported back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX, a student loan company withdrew unauthorized funds from our account with Bank of America ending in XXXX. I contacted Bank of America numerous times to no avail. 
From what I can tell as a result of numerous phone calls, is XXXX XXXX continued to auto-withdrawal. No one from this address or last name ever went to XXXX XXXX. 
The total amount that was fraudulently withdrew amounts to {$1500.00}. 
I would appreciate a full credit back to my account ending in XXXX from Bank of America.

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 2022-05-06
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
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: Their investigation did not fix an error on your report

Complaint:
Ive already sent a dispute to both Transunion and XXXX on XXXX. Neither has done a proper investigation into my claim. Both have returned verified with out contacting the debt collection agency. It is my right to have 100 % accurate information on my report and both have failed to investigate my claims. Ive already filed a complaint and nothing has been resolved. I requested verification form XXXX XXXX and was provided an expired 13 month lease as validation. As I know the burden of proof is on the debt collector for them to investigate line item by line item to make sure that all information is valid. they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX 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 non-monetary relief
Consumer complaint received 2015-07-25
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a credit card with Chase. I have been very good at not making late payments for quite a long time. My FICA credit score is XXXX as of this month. I even paid the card off completely not long ago ... and now I have a little over {$300.00} balance which will likely be paid off in the next month or so. My complaint is my interest rate. It is at 29 % and has been for a long time. I did have serious financial problems a few years ago and had some late payments which is when they raised it to this ridiculous level. As stated above I have been being good for a long time now. I called Chase asking to have my interest rate lowered and I was told they do periodic reviews. I feel the periodic reviews must be few and far between. I want my interest lowered and also feel I should be reimbursed some of the interest charges I have paid. I feel what they have been doing to me is a crime ... if it is n't it sure should be!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: VA
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, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX has violated my rights. 

XXXX  XXXX Account # XXXX has violated my rights. 

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 2016-06-26
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Ditech in XXXX XXXX. At that time my mortgage was paid up one month ahead. I continued to make my payments to Ditech each month despite being one month ahead to carry that cushion but my payment in XX/XX/XXXX was applied all to principle instead of principle, interest, and escrow. As the result, Ditech sent me letters stating I was late yet I paid every month. The continued to charge me late payment fees and sent late to credit bureaus. In addition, I request that my escrow impound account gets cancelled so I can pay my taxes separate ( which I had previous done prior to my refinance in XX/XX/XXXX ) yet, Ditech rejected my request stating " value of property is n't 80 % of the principle balance ''. Apparently, according to Ditech they went off an old XX/XX/XXXX Deed Of Trust ( reflecting value at {$240000.00} ) which is n't correct. I sent Ditech a copy of XXXX XXXX Tax Board XX/XX/XXXX current value of my property {$280000.00} to {$300000.00} they have yet to respond to my second written request. Yet they have increased my mortgage payment {$80.00} citing increase in property increase, which indicates my value has increased. Again, when I purchased my property I did not have my taxes impounded until I refinanced XX/XX/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 2016-09-28
Company: DAS ACQUISITION COMPANY, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief