BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: TX
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 of the Fair Credit Reporting Act the companies below has violated my rights XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX & XXXX # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: NRA Group, LLC
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing

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 2015-10-26
Company: PINNACLE RECOVERY, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pinnacle debt collection company tried to collect our quarterly maintenance fee of {$370.00} ( for XXXX quarters ) and we were willing to pay the past due but they said there is an additional fee of {$120.00} for collecting service which we can not agree with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: CA
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:
I reached out to the company to ask why was I being charged for a card I had closed back in 2020 due to identity theft, they said a new card was open with my number and my address, but also stated all the payments were fraudulently. Yet, are claiming I am responsible as well as they have affected my credit score because it shows a 496 % credit utilization when my credit limit is only {$300.00} but they show a balance of {$1600.00}. They allowed an account to fraudulently be open and claim I am responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bank of America prevents me from paying my Bank of America credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Bank of America has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to " verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Bank of America form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Bank of America branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.

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 2015-09-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
I have a card with Chase Bank ( Amazon rewards ), which I 've had for at least 7 or 8 years. I have managed this card very well and have utilized less than 20 % of my available credit limit. On or around XXXX/XXXX/15, I called into the customer call center to request a balance transfer option, as I wanted to transfer a higher rate balance to my chance card for a lower amount. The woman that I spoke to identified herself as a manager who informed me that she personally has a Chase Freedom card. She explained to me that while the option was not currently available on my online account, she would request the marketing department to enable the balance transfer option for me, and I should see it most likely within 3-5 business days. She explained to me that the managers can request this on behalf of customers, and that customers sometimes stop getting the balance transfer offers when they do n't use them. She advised me to check the online account or call back to see if the offer was available, as the marketing department did not take customer calls. This manager sounded Caucasian, and also had an XXXX which I placed to be from the XXXX of the US. It was clear at the end of the call, that Chase would accept my balance transfer, so long as it was under my total credit limit on the card. 

I called back a few days later to check on the status, and the person at that time informed me that the balance transfer was still *in process. * I called back again sometime last week ( on or around XXXX/XXXX/2015 ) and spoke to another supervisor who claimed that all of the above was impossible, and there was no way to request balance transfers. 

I do not appreciate conflicting information, and am very eager to receive the balance transfer offer which I was promised. My understanding after speaking to the first manager was that I would receive this balance transfer offer very soon. I have a deadline to transfer the funds before the end of the month, and given that a manager from Chase offered me this option, I will hold Chase responsible for any interest charges that I accrue after XXXX XXXX, 2015. 

Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER FINANCIAL SERVICES claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with certified mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do NOT owe a debt and my ALL CAPITAL LETTERS name, aka my legal fiction XXXX, aka my XXXX XXXX XXXX XXXX, is where the credit came from via my SOCIAL SECURITY card, which is a TRUST account, making ME the ORIGINAL CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/2017, I called American Express to remove me from their mail marketing lists. This was in response to being deluged with the same offer in three different envelopes on the same day. 

I had previously called American Express awhile back regarding this very issue and was told I 'd be taken off their mailing lists, but it appears that this was n't respected. So I was forced to call again. And I now feel like I 'm being harassed, and I 'm submitting a complaint to the CFPB because I 'd like to ensure my request to be removed from Amex 's mail marketing lists is honored. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
HSBC Bank USA XXXX XXXX has a lien against a property my client wishes to sell and is under contract. However, they have not responded at all to our attempts to get a pay-off or release. SEE ATTACHED LETTER for details. It has been over 60 days and they still have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Company continues to contact my place of employment after several times telling them to not call my job. Receptionist always answers and lets them know I can not have phone calls " personal or personal business matters '' ( which I have none if its personal it is not a business matter ). They continue to call. Then the caller gets rude with the receptionist and goes as far as giving personal information to confuse the receptionist in order to have her transfer the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
i began requesting a payoff balance on XXXX with Key Bank. They notified me that they needed the original Trustee to sign the authorization. I did that on XX/XX/XXXX and faxed & emailed the request again... multiple times. They are not responding to me at all. I am holding up the owners proceeds until I get this payoff statement. This time frame is absolutely unacceptable and they need to respond to the request sent multiple times. It is now XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
To Whom It May Concern, In advance, thank you for your time with investigating this submitted issue. To begin, my student loan accounts ( federal/private ) were originally assigned to XXXX XXXX but were reassigned to Navient a few years ago. Unfortunately, due medical/financial reasons lead me to file Chapter XXXX XX/XX/XXXX, which XXXX XXXX was the provider at the time. Essentially, my bankruptcy case was discharged XX/XX/XXXX in which there was no correspondence or communication of student loans payments sent to my residence or phone calls. 

Oddly, I discovered an email nearly 8-10 months within my " Junk '' folder from Navient ( unknown source at the time ) about payments past due. As a result, I contacted Navient to further investigate the suspicious email and was advised they assumed ownership of my student loan accounts. Immediately, I requested to consult with a supervisor to obtain the reason why I was not contacted via letter/phone call/etc about this matter. Upon further review, Navient had " out-dated '' contact information and claim there were no other source of contact. Furthermore, my contact information was updated and payment arrangements were established. 

In the meantime, I requested my credit report 2-3 month later and noticed numerous late payments were listed during my bankruptcy period and during the discharge process. Immediately, I contacted Navient to inform advise them of the late payments on my credit report in which the supervisor advise she will submit a request to have all the previous late payments removed. Unfortunately, the late payments still remain on my credit report and the supervisor that was assisting me through the duration of this process is no longer an employee of Navient. 

In closing, I 'm desperately requesting assistance with this matter which is preventing me from restoring my credit history and obtaining new feasible loans ( auto/home/etc. ) to support my family. Overall, this neglect from Navient is unfair my credit history that reflects events that I did not intentionally/unintentionally commit but suffering the consequences. Lastly, I sincerely hope substantial evidence will be revealed to resolve this matter. 

Again, Thank you for your time ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
HFC Beneficial Acct. # XXXX -- On XX/XX/2017 my mortgage was purchased by XXXX XXXX XXXX XXXX from HFC Benefcial. I had already scheduled my mortgage payment to HFC for XX/XX/XXXX and was unable to cancel it. I contacted HFC directly and they assured me the payment would be forwarded to XXXX. XXXX New Acct # : XXXX. 
It has now been over 14 days and my payment has not been credited. I want this straightened out. I have called numerous times and nobody is helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I reached out to both Capital One and XXXX XXXX fraud departments in regards to fraud. I filed police report with XXXX XXXX. Neither company removed their inquiries from my credit report. 

Police Report # XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: National Recovery Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company has left multiple messages stating that they 'll sue me for a debt. They left no file or reference number, and the one time I spoke to someone, I requested proof of the debt and have yet to receive anything. And states that they could n't do that until they receive a payment. I feel like this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
The issue relates to a BlueBird by American Express prepaid debit card ending in XXXX. On XXXX XXXX, 2016, I returned some clothing items to a XXXX XXXX store in XXXX, VA in the amount of {$520.00} ( return receipts attached ). 
The original purchase was originally made on a different American Express card, and the BlueBird by American Express card at issue was mistakenly presented to the merchant for the return. The merchant processed the return to the BlueBird by American Express card/account in accordance with its own policies. 

The credit balance showed up on my BlueBird by American Express account within a day or XXXX. On XXXX XXXX, 2016, American Express informed me by email ( attached ) that it closed my account because it could not find corresponding debits to the {$520.00} in credits. The email from American Express further states that {$520.00} " has been returned to the merchant. '' Almost 4 months later, despite over a dozen calls by me to American Express, the funds remain in my closed BlueBird account as of today ( XXXX XXXX, 2016 ) and have not been returned to the merchant. American Express readily admits this each time I call in : its representatives have stated each time that I have called that the funds remain in the account, that the account is closed, that the funds can not be returned to me, and that the funds will be returned to the merchant, without providing a timeline. Attempts to engage with American Express regarding the reasons for closing the account and/or remedying the situation have been unsuccessful. 

After almost 4 months, the merchant has not received the funds. Based on my discussions with the merchant, the merchant is not interested in retrieving the funds from American Express because the original items were paid for in full and subsequently returned in accordance with the merchant 's policies. American Express has been holding these funds for almost 4 months. I am requesting that a check in the amount of {$520.00} ( the account balance ) be sent to me immediately and the BlueBird account formally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My wife and I have been dealing with a dishonest loan officer at Chase Bank. WE were shopping for mortgage loans back in XXXX and we met with several lenders at that time. We knew from the beginning that we would want to close on the sale of our house and on the purchase of our new house on the same day. XXXX XXXX ( NMLS ID XXXX ) from Chase promised us that he would be able to deliver that, he even mentioned that he has done it a few times this year. With those reassurances, we lock our rate with him and started processing the loan. 

Now that the market rates for mortgages have gone up and since we are now very near the end, he is telling us that it 's not possible to close in less than 10 days after the sale of our current home. This additional 10 days will cause us to miss the lock date and we will either not be able to purchase that home or we will do so at a much higher cost. He has given us wrong information and it looks like this will end up costing us a lot. With the right advise, we would not have locked our rate through him, or perhaps we would have taken a longer lock.

Company response to consumer: Closed with explanation