BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: SIMM Associates, Inc.
State: KY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I took out a private student loan with my father as a co-signer through XXXX XXXX XXXX ( XXXX ) while attending XXXX University XXXX. After I withdrew from school, I used used up all the deferrment and forbearance options while trying to work and pay off loans and living expenses. At the moment, I am 147 days behind on my monthly loan payments through XXXX. I have spoken with them and they are attempting to work with me to keep my loans out of default. However, both me and my father are also being continually contacted by agents from Simms and Associates, a collection agency out of XXXX, who says that they are servicing this same debt and seeking payment. They keep telling us that we must make some sort of immediate payment to them to keep the loan from defaulting, going " outside their office '' and causing them to seek a judgement against both my father and myself that would include garnishing my wages and taxes as well as garnishing both my father 's social security payments and his pension. I have repeatedly told the agents from Simms and Associates that I am working directly with XXXX and they tell me that my loans are not in default at the moment and that they are currently not seeking any judgements against either me or my father. Nevertheless, the agents from Simms and Associates maintain that I am to pay them and not XXXX directly in order to avoid garnishments. 

What I would like to do is keep working with the service providers at XXXX to keep my loans out of default, but I am unsure if I should take the threats from Simms and Associates seriously and, if so, if I should be making payments to Simms and Associates or keep making payments to XXXX. Furthermore, I would like to make myself as the primary person responsible for this debt the contact person for all calls, letters and other communication and stop them from harassing and threatening my XXXX father about garnishments on his social security and state pension. 

I hope there is some way to find a solution to this problem that will work for everyone involved? I am more than willing to make payments on these loans, but I need them to be payments that work within my budget and place responsibility entirely on me and stop the harassment and threats to my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: GATEWAY FIRST BANK
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have unknowingly been paying PMI insurance, an overpayment I estimate to be around {$7000.00}. They said they would refund {$900.00} of that ( about a month ago ), did not, nor did they respond to a demand letter from legal counsel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: Midwestern Health Management INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I saw that I had a court date on XXXX XXXX for some unpaid hospital bills, my husband and I just happened to look up my name because we got a letter in the mail saying Midwestern Health Management was suing me. I contacted them that day and paid off the full amount of {$3000.00} right then. I told them I saw the court date and asked if since I paid it off if it would be dropped since I have not been summoned yet. They told me they would tell there lawyer to drop the case. Well that was on XX/XX/XXXX at XXXX pm. I have tried multiple times since then to contact to them to get this sorted out since it is still showing a court date, they either do not answer and I leave a voicemail ( that they never call back ) or they say one minute then the call disconnects. This is getting extremely frustrating and I am not sure what I am supposed to do if I can not get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My bank statement shows two payments of {$330.00} being withdrawn from my account in a period of one week in XX/XX/2020. I contacted HMF and they said only one payment posted. After consulting with my bank, two payments of {$330.00} were indeed withdrawn for a total of {$660.00}. I would like a clarification of these charges and would like to have my next month 's payment waived since I paid double this month inadvertently.

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 2022-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX 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. There should be no publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S.C.Code 1666a ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the 3rd time I have made a mortgage payment and the servicer called me back to statemy payment was returned due to a bad account # and I have 2 late payments on my credit report as a result. I called and made a payment and noticed that the payment had not been removed from my checking account. I called back and spoke to someone and he noticed that it was not removed and he reran and gave me another confirmation # of XXXX XXXX. XXXX XXXX, I received a call that my payment was not received therefore I spoke to XXXX XXXX - manager and she stated she would put in for the credit corrections due to an issue with their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through LexisNexis who sent me a letter stating the XXXX or XXXX  never responded to their request. LexisNexis, XXXX nor XXXX  has sent me the Method of verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We received a letter fro our prevous lender, XXXX about a week or less prior to our loan getting transferred. 

The letter noted the new servicer, stated all terms would stay the same including the loan number. 

We reached out to Selene Finance, LP the date of official transfer which was XX/XX/2017. Selene had no record of the account by name, social security number, XXXX loan number or property address. The mailing- billing address was obviously not identified either. 
We called XXXX, and they insisted that a letter from the new lender should have already been received. WE have not received anythign form slene finance. 

We called selene finance a few time and XXXX week later they have finally acknowledged that there was a loan transer, but they would not give us any information such as the new payment address or even the loan number. They said XXXX did not authorize our names. So now they want a bunch of paperwork via email only, with original hard copies sealed by courts. 
It will take us at least a week to get the paperwork they are requesting. Then they will take at least a week to review the paperwork in their legal department. By then, it will be well past our payment date. 

We feel that they are stalling because we had delinquent balance with XXXX that we were trying to clear up prior to the lan transfer. We are just trying to make a payment. We are trying to give them money, They are not providing us a way to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: SC
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Avant Holding Company, Inc.
State: IL
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 am writing this letter in hopes that the CFPB can help me finally resolve this dispute. I received a copy of my XXXX and XXXX credit report and noticed a few discrepancies with how Avant is reporting this account to XXXX and XXXX. I've asked Avant several times to correct my report but they have continuously refused to report this account accurately. 

This account was paid in a settlement on XX/XX/2018. There are several discrepancies with how Avant is currently reporting this account to XXXX and XXXX. I am requesting Avant to thoroughly investigate the discrepancies of how this account is reporting to XXXX and XXXX or delete the entire tradeline which contains discrepant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like to file a Complaint against Bank of America here Is the reason why. 


M name is XXXX and I was scammed majorly. I was offered an opportunity to advertise for XXXX XXXX and was provided a check, which I deposited into my account. Unfortunately, my bank ( Bank of America ) let the check clear right away and I withdrew money. The check ended up being counterfeit and I am now {$2100.00} in debt due to this fraud. I have an open case with the fraud department with the bank and with local police department. I have called my bank numerous times to stop all transactions from withdrawals to deposits. The bank put a freeze on my account, but they are still allowing deposits to go in without my permission. After telling the bank over and over that this account has been defrauded, they are still allowing monies to go into the account. I cant understand how a bank can allow any activity with a defrauded account. I have tried to stop this, but they continue to let money in the account. I have lost my paycheck for the week and I am so trying to save my stimulus check. Unfortunately, no one is available to assist me with changing my account with the IRS due to their overload and my bank will keep the stimulus check which I need terribly at this time. I don't know who else to reach out to, to help me resolve this. I work in XXXX XXXX   and my hours are lowered due to COVID 19. I am desperate to stop the bank from taking my check because I need it to survive at this time. 


My fraud case number is XXXX Police report number is XXXX I look forward to hearing back from you and get this resolved Sincerely 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 monetary relief
Consumer complaint received 2020-03-01
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I would appreciate for my bank Wells Fargo to refund me a payment I made in the the Wells Fargo app via XXXX. This is advertised as if its a secure payment system and its not. I was scammed out of {$120.00} dollars on XX/XX/2020 by another XXXX customer named XXXX XXXX and they are refusing to give me my money back for the goods I didnt receive.

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 2017-05-23
Company: Community Home Lending
State: MN
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 ha ve 4 ha rd inquiries on my credit report that I have been done without my con sent. 2 from    XXXX   IL credit union date d    XXXX   XXXX   XXXX   , 1  from     XXXX   XXXX   dated    XXXX   XXXX   XXXX   and 1 f rom  XXXX   XXXX  dated    XXXX   XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-09-15
Company: Credit Karma, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Credit Karma Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to Credit Karma I dont know what to do because its stressful when ur trying to build ur credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: CO
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 received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2020-04-08
Company: EQUIFAX, INC.
State: CO
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 received an email that I had two hard inquiries on all three  creditu bureaus in one day. I called XXXX  and they said they could not take them off. I have since put a freeze on my credit with all 3 credit reporting agencies. I've also sent in a dispute that these inquiries are fraudulent, as I did not make them. I want them removed from my credit report, but the agencies are saying they can not do that. 

XX/XX/2020 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation