BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is reporting ONLY negative accounts twice in XXXX XXXX XXXX ) different parts of my credit report for the following accounts : ( 1 ) XXXX ( see attached ) ACCOUNTS Tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 2 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 3 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 4 ) XXXX ( see attached ) NEGATIVE INFORMATION tab ( circled on top of page ) ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) XXXX ( XXXX ) negative accounts being reported when there is ONLY XXXX ( XXXX ) negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 5 ) XXXX XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /OTHER ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) ( 6 ) XXXX XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ). 
XXXX XXXX XXXX XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

( 7 ) XXXX ( see attached ) ACCOUNTS tab ( circled on top of page ) /REVOLVING ACCOUNTS ( circled ) / CLOSED ACCOUNTS ( circled ) ( 8 ) XXXX ( see attached ) NEGATIVE INFORMATION ( circled on top of page ) /ACCOUNTS ( circled ) /CLOSED ACCOUNTS ( circled ) These are XXXX negative accounts being reported when there is XXXX negative account that should be reported. NOTE : THIS IS XXXX ( XXXX ) ACCOUNT BEING REPORTED AS XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX negative reports are being report. 
XXXX XXXX XXXX XXXX negative reports should be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Deceased owner of the account XXXX XXXX XXXX XXXX in n XXXX. His deceased I'd or ss number is XXXX XXXX XXXX. He is also a business owner of XXXX  XXXX XXXX and XXXX XXXX XXXX .he is the owner of these financial institution. Ok .not a shareholder, but the ein irs employer tax payer too the business, in this text. I am write regions Bank ask, is XXXX XXXX XXXX is a owner of this company and do he have any account, too his name or ss number in this bank. Do he have any account or ownership on this bank. Check ya record, operation agreement too see if he owns this bank too or made me the beneficiary too the bank or a bank account. He could own both the bank and has a bank account in the bank too cleck both .I believe, if all of this is so .please give me cpa accounting,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent an investigation/dispute to Equifax on XX/XX/XXXX regarding identity thief along with a police report and affidavit. they lost my police report, that was their first excuse on reply. On XX/XX/XXXX I sent a second request for investigation/dispute to Equifax, docs received. also between XXXX and now, I tried to follow up with their on line process and for my trouble, they kept putting me off and generated over XXXX confirmation numbers for me. they finally told me the ca confirmed and that was good enough for them. it took of 70 days for this to happen. I asked them is n't the definition of identity thief, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax deleted Bankruptcy filed on XXXX Between XXXX XXXX and XXXX XXXX, XXXX and then reinserted it without notifying me. It is my understanding that I am to be notified before any debt is reinserted on my credit report. Equifax also re-inserted a Judgment from XXXX without notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Horizon Financial Management
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a XXXX XXXX and was billed for an amount of {$300.00} after my insurance deduction. I was unable to pay this amount to the original creditor ( XXXX XXXX XXXX ) and therefore was sent to collection. In XXXX XXXX, I paid off this amount to the collection Agency ( Horizon Financial ) through my bank, XXXX XXXX XXXX XXXX, and I requested my husband to follow up with the collection Agency to make sure they take away the derogatory remarks on my credit report and close the account. He spoke with a lady called XXXX at Horizon Financial who assured us that this will be done. 
However, 8months down the line, the negative reporting is still on my credit report and when my husband called on XXXX XXXX, XXXX at XXXX ET, he spoke with the same XXXX who says that, although the account has been paid, the derogatory remarks will still be there. Also, the account remained opened on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
During my bankruptcy period, my mortgage company did not itemize my mortgage payments. I was told it can only be done after I am discharged from bankruptcy. Nearly four months since my discharge, Ditech is yet to itemize my mortgage payments into interest & principal. I have called as many as six times ; attempted to even talk to a supervisor to no avail. I have been informed no supervisor is available. The customer reps. have apologized for the problem ; promised twice it would be taken care but still unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I asked XXXX Male official with Chase Bank should bring me to XXXX XXXX XXXX discuss with me in confrontation for opening bank account, I want XXXX male helps with me in banking service so I had difficult enrolling banking check account. I do not want be alone with difficult enrolling checking account, so I prefer that XXXX Male with Chase Bank official in high position helps working with me in Chase Bank procession that I need account number and routing number. XXXX Male Chase official did not meet with me in conformation, so I wait and unhappy with that I did not hear from Chase Bank. Why I had upset with someone did not show up. I felt bad disappointed with XXXX male did not show up .. I do not want alone filling out online and I do not want alone walking to Chase Bank that I am very afraid if there might or might not discrimanated against my appearances and XXXX ( XXXX ). I just horrible upset that I did not get {$750.00} and i was unhappy with XXXX XXXX XXXX. I do not want any XXXX worker at Chase Bank. I prefer XXXX Male works with me in ordering to open new account and I want XXXX male helps calling U.S. Department of Grants & Treasury in Washington, i had their contact name and business that allow Chase Bank Male official finds out and help me with routing and account numbers, give me Chase Bank Mobile, please please please please Chase Bank helps with me in opening account, possibilities.

Company response to consumer: Closed
Consumer complaint received 2016-12-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a modification with Chase Mortgage and informed that upon completion of the modification Chase Mortgage would update my information to reflect up to date and no payments late. this will enable me to refinance my home, I have requested they correct the information at my credit to reflect the agreement however they have not complied with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
My loans were supposed to be placed in a deferment status while trying to attend school and they ended going into a delinquent status causing negative damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
When my wife opened a new individual account at Chase Bank to receive her Social Security payments, the Chase employee was instructed to not include my name and social security number. My spouse had XXXX other accounts in which I had signature authority, therefore my Social Security number was on file. This process of removing my name Social Security number from the new application triggered an alert or concern with Chase Bank. This resulted in classifying me as a " reputational risk ' to the Bank and XXXX Chase Bank accounts were closed and XXXX credit cards were cancelled where my name and Social Security number were attached. Local branch manager at Chase reviewed the new account process with the employee and indicated that the new account process caused problem. Chase management refuses to acknowledge the cause, reverse their damaging allegation about me or tell me what makes me a 'reputational risk ' or re-establish the accounts. 

A complaint letter has been sent to Chase Bank branch in XXXX XXXX but I am told that nothing can be revealed to me about the decision but other financial institutions will be notified that I am a 'reputational risk '. This is damaging for me and Chase 's claim can not be challenged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I originally only borrowed about XXXX in student loans while in college. I XXXX in 2009 and have had trouble paying them back. XXXX XXXX now Navient never told me about lowering my payments or doing options other than forbarence. I could have possibly made a lower payment but they always just suggested forbarence so that is what I had to do. I did it until I could n't do it any more and now I owe over XXXX. This amount is obsured. It literally causes stress every day. I heard from a friend last year about PAYE and I signed up for it through the federal website. It automatically put my loans through fed loan servicing and now I owe them XXXX and not Navient. Navient misled me when I could have made cheaper payments and I do n't feel I should have to pay back my total loans because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: LA
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 the following creditors XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, Bankruptcy Reference # 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 2020-12-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 - at my request, XXXX sent me written instructions pertaining to how and the amounts I can transfer, FROM my XXXX accounts to another bank. 
XX/XX/2020 - based on the rules XXXX provided ( I was allowed to transfer a max of {$10000.00} per transaction ) I attempted to to transfer {$5700.00}. This was within their online banking. It had worked in XXXX, XXXX. However, at this time I was not permitted to make this transaction. 
I spoke with XXXX, XXXX and XXXX who did not offer any explanation ; but I was given a ticket number of XXXX Since XX/XX/2020 I have called their customer service ; I have written to their officers ALL with no success. A XXXX did call me back and although apologetic, did not have a solution or any explanation for why this is happening. She also has no workarounds to offer. When I suggested they wire my funds immediately, she could not comply. 
XXXX is not permitting me to transfer MY MONEY. They can not provide an explanation. They do not return my emails. Each time I call for customer service, I sit in a queue for at least 18 mins, then they conveniently disconnect me. This has been an open case/ticket since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
On XX/XX/XXXX, {$5600.00} was fraudulently taken out of my business account at Bank Of America. The company that was involved in these unauthorized transactions was XXXX XXXX XXXX XXXX. I spoke with Bank of America on XX/XX/XXXX to inform them that I did not authorize these transactions. Bank of America open a fraud claim on XX/XX/XXXX. Several attempts have been made by me to resolve this matter, but the results are never in my favor. I also filed a police report about the fraud claim and forward a copy with a memo of what happen to Bank Of America. It is hard for me to understand how I can be treated in this way, being a customer of Bank Of America for eighteen years.I need to know what I can do to get this matter resolved in my favor and get my fund return to my bank account.

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 2015-06-19
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XX/XX/XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) Alias name just so you know. she has many. She went into a Chase bank location in XXXX Oklahoma and withdrew $ XXXX {$9000.00} from a business account we had started together while dating. I went to go buy materials and my card was declined. I know that she took it because she call me and told me that she did. I was so hurt and embarrassed. I am wanting you to return my money that XXXX stole or took illegally fro chase or chase will be investigated by an attorney at law I have been banking with chase for over 10 plus years doing XXXX and XXXX and XXXX ... .I would like you to bring XXXX up on embezzlement charges for taking that money without my signature and taking me off the account It was unfair and unjust. I would be greatly vindicated if you done so thank you so much for everything and my phone number is XXXX and XXXX email me at XXXXXXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
I tried to transfer {$140.00} from my CHASE Debit card to my checking account. Chase took the money out of my Debit card, but the money never made it to my checking account. The bank routing and checking numbers were verified and accurate, but there is no trace on this and Chase is not very helpful recovering or helping find lost funds. They put you on hold for 30 minutes or longer, fail to return phone calls, and are poor at following up on complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This is a complaint against Chase Credit Card Business. The reason is that I am in a state of shock I do n't know the reason for you taking the decision to close the credit card of business for my company without contacting me in anyway to warn me or explain to me why they are doing this. They took a very drastic decision, violating my rights as a costumer. I consider that the decision they took is out the protecting of a consumer. I consider too that it is a disrespect towards my person and discrimination and lack of ethic financially. They closed the account and only sent me a letter after already closed that does n't say anything about the reason why they closed that account, because it is because of the letter I have a credit score XXXX which is a good score, I have been rightly paying of the card, so I do n't understand why you have abused of this and me and making me look like an XXXX and the card being declined without me knowing anything about it. I want to know if this is going to continue because Chase Auto has approved a car very expensive, that I have also paid off, I do n't want it that one day to find out I do n't have a car like you have done with the credit card. What type of institution have you have to be to be like this to the consumer where the consumer is in the right. What else do I have to wait from you? That you take my car and my house? Already that I have had a lot of products with you. I request that you clarify why you have closed my account and if you are going to continue this?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am filing a complaint because my Mortgage Insurance Company raised our Insurance {$140.00}, after we filed a claim for Hail Damage on our Home. The Increase took place immediately after our home was damaged because of a Hail Storm hit our Property. We do n't feel like its fair to raise our Mortgage Payment {$140.00} after the storm hit our House. Our Payment increased from {$1300.00} to {$1500.00} from XXXX 2016 to XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: National Education Servicing, LLC
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My student loan company is increasing the payment amount from XXXX to XXXX under my IBR plan. Despite that the fact that my income actually decreased from XXXX in XXXX until XXXX in XXXX. My wife is XXXX and I am the only breadwinner. I have over $ XXXX in student loans. This is not right. I have had to make 4 attempts to apply for IBR. I have repeatedly tried to resolve this issue with them but they continually insist they are bound my law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation