BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called our mortgage company on XX/XX/2020 to ask about a refinance to a lower rate. I supplied all requested paperwork to the representative immediately upon request and was instantly approved. Since then I have been repeatedly asked to submit identical paperwork ( which I have done immediately ) and am still getting the run around about our closing date. I have dealt with several different people and have had a hard time getting a straight answer about what the hold up is. I believe they are stalling on the closing so that we have to continue to pay the higher interest rate. We have a $ XXXX yearly income and good credit. Additionally we are already a customer of Freedom Mortgage and are in good standing so there is no reason why we should be hassled this much about a refinance that was preapproved in a matter of hours. The individual who preapproved our refinance even stated that we are preferred borrowers or some similar term. If this is how preferred borrowers are treated I would hate to see how everyone else it treated.

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 2016-11-21
Company: GREAT LAKES
State: KY
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:
I borrowed student loan money in the XXXX 's, to the sum of XXXX or less. I paid these loan for years and in XXXX, I filed bankruptcy and my loans disappered. I called and asked where my loan statements were and thay said " I did not have any active student loan accounts ''. I fought with this issue for years, because I knew I was close to being finished paying. Well fast forward 30 years and I owe XXXX and the issue was never resolved. I need help [ desperately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sir or Madam, I trust you and your team are safe and sound. In the last 180 days, I have received calls from a Student Laon Forgiveness Program. They keep saying I need to complete my application. I have no idea what they are talking about to date. I asked Great Lakes about it and they informed me it is not from them. The last number is XXXX and the poc number is XXXX. 
Please confirm that I am not missing a great Federal Program or that is a scam. Thank you in advance for your assistance with this matter. 

V/r XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Received email w link to fraudulent Chase bank website stating my account was locked and info needed to be verified : https : XXXX? XXXX & XXXX This is not the Chase bank website

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page XX/XX/2007, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/2007 WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN AND HOMEOWNER

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 2021-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter or fact. Pay or else. I was not told that I can dispute within a specific timeframe or any information except to pay or else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have banked with JP Morgan Chase for over ten years. I have a business checking account, a personal checking account, credit cards and a mortgage with them. On XX/XX/2021, the Biden Administration announced that small businesses and sole proprietors can apply for a PPP loan which is an SBA program, Chase being a lender that facilitates it, and that the period ending XX/XX/XXXX would be a priority window for small businesses, and after this date all qualified entities could apply. On XX/XX/XXXX, the Biden administration announced that for sole proprietors, loan amounts would be based on gross income instead of net income. 

I reviewed the Chase application on XX/XX/XXXX and noticed that the application was not changed to reflect the above change. I called the Chase PPP department and I was told by XXXX who would not give me his Chase employer ID that I should indicate in the field, average monthly payroll the income on line 7 of my schedule C which is gross income for a sole proprietor and that would be the correct procedure. 
On Sunday, XX/XX/2021 I completed the PPP application on the Chase website and sent it in. I received an email from Chase indicating my application was received. On Wednesday, XX/XX/XXXX, I received an email from Chase indicating they were unable to verify my average monthly payroll costs. I immediately called Chase to explain to them that I was a sole proprietor, and therefore have no payroll, and referred to my conversation with XXXX. 
After a long wait, Chase told me they are not doing any sole proprietor PPP loans. Isnt this a kick in the gut after indicating on their website that sole proprietors are eligible to apply and also according to my conversation with XXXX from Chase confirming this. 
Now I have missed my priority window to apply for the PPP loan which ended on XX/XX/XXXX and have spent an entire day consulting with other banks to apply for the PPP loan and had to visit a bank to open a business checking account which is mandatory in order to apply for the PPP loan. But also after opening the business account I am required to wait at least 5 days to apply. I may miss the deadline. 

I charge Chase with discriminating against small business owners who are in dire need of aid as soon as possible and in so doing run roughshod over them, their attitude being, tough on you, what are you going to do about it. Their interest obviously is in doing large lucrative loan amounts for large entities, similar to the first PPP loans last year. 
I will also write to my congresspeople about this incident and consider legal action. This is not the first time that Chase has been using abusive practices. 
I do hope that the CFPB will address this egregious practice on the part of Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 BANK DELAWARE 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 an 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 2020-04-19
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: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting an incorrect, inaccurate debt on my Transunion Credit Report and other credit reporting agencies. 
XXXX has re-aged the debt they say I owe to them. 
I have never had any agreements or done any business with XXXX XXXX. 
This company has not validated their relationship with me in connection to the debt they say I owe. 
When asked, XXXX XXXX has not provided any written contracts providing them permission or right to collect a debt from me. 
I have contacted this creditor and requested validation of this information. 
They can not or refused to show me the date of first delinquency associated with this account. They have not provided any information on how they calculated amounts they say I owe to this date. 
They are reporting this account as open and active with late and past due payment due each month. 
I have contacted Transunion and reported this debt as invalid. Transunion responds that debt is verified with no underlined proof of how they verified this debt. 
Both XXXX and Transunion refuse to delete the inaccurate and incomplete information. 
I have been disputing this for months with no success.

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 2021-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Looking through my credit reports, I did not find a Bank of America card account there. Account number XXXX, opening date XX/XX/2019. Please add my account and current information.

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 2016-11-01
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX is reporting XXXX student loans on my credit report with inaccurate information that is damaging my credit score. The late payments below are not correct. 

XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXXXXXX 90 days past due as of XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXXXX/XX/XXXX 120 days past due as of XX/XX/XXXX, XX/XX/XXXX 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX So to clarify the accuracy of the reporting of this account I am formally requesting the following information that is being reported : 1 ) Original Note to ensure the accuracy and legitimacy of the date the account was opened, account number, and terms of the interest and penalties that were originally agreed to. 

2 ) Payment History of the account for the entire duration of the note to review the application of payments to their proper destination 3 ) List of charges and fees especially those assessed after the charge off status on the account 4 ) Date of actions taken on this account including but not limited to the dates of the charge off status, correspondence sent to me regarding the charge off action, and collection activities 5 ) List of the dispute instructions sent to you by the credit bureaus from my first dispute to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: The CBE Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I am disputing the debt collection practices of " XXXX '' and their associated debt collector, " The CBE Group , Inc. '' In XXXX of 2015, I closed my XXXX XXXX account, and settled the final bill over the phone. I was told by the agent that the bill was settled. In XXXX of 2015, I received an email from XXXX stating that I had a balance on my account. I explained to XXXX that the " early termination fee '' was incorrect, the agent said it would not be applied, and the situation was resolved over the phone. 

In the months following, I received no email, phone call, mail, text or other communication from XXXX. In XXXX of 2015, I realized that I had a collection on my account ( only after checking my credit report ) for the months of XXXX 2015XX/XX/XXXX 2015, which negatively impacted my credit score. Because I never received notification of the collection, XXXX and CBE violated the FDCPA - XXXX U.S.C. section XXXX XXXX XXXX ) which states : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section .... 

( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer ... 

( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. '' -XXXX and CBE violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they conspicuously attempted to collect a debt, but did not attempt to contact me by any means, even though they had my email, address, and cell phone number ( my XXXX wireless number ). 

-XXXX and CBE also violated XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ) because they failed to make any initial written communication at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: GOLDMAN SACHS BANK USA
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I realized that someone had a Applecard issued by Goldman Sacks Bank and had attached my personal checking account number to that card issued to someone other than me. I phoned my bank ( holder of the checking account ), XXXX XXXX  to inquire about the funds that were being taken out of my account. I told them I did not have an Applecard, we called Goldman Sacks the issuer of the card and reported fraud. My bank and I were both on the call and made a fraud claim with their fraud department. I spoke to XXXX in fraud who took all the information prevalent to the claim. She said someone from the Goldman Sachs bank would be contacting me within 7-10 business days. No one to this date has contacted me. When i followed up with Goldman Sachs bank, they had no record of my call. In the initial call, I specifically asked XXXX, the XXXX XXXX for the fraud department intake if there was a claim number or reference ID. XXXX told me at this time no, but someone would follow up with me. I have had no contact from Goldman Sacks Bank. I called again on XX/XX/XXXX and the representative said they could not find anything logged re my call. They responded ; " someone will follow up with you in 5-7 business days ''. I am out {$12000.00} in cash which was taken out of my bank account for charges that I did not make. An apple card was issued to a person, not me, and attached to my bank account. I do not know the apple card number but the person the card was issued to name is XXXX XXXX and the checking account it was attached to was XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, Equifax and XXXX would like them removed immediately. Previously disputed with no resolution. 

XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

Company response to consumer: Closed with explanation