BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: OR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}

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 2016-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.

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 2022-04-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, Account # XXXX DPT EDXXXX, 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 2020-10-06
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Dovenmuehle Mortgage violated 12 CFR 1024.3 by failing to return my impound account funds within 20 days of the loan settlement as required by law. More than forty days after the funds should have been disbursed, they contend it will take an additional five days to cut the check. This is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card
Issue: Other fee

Complaint:
I have a Bank of America Visa Credit Card. Bank of America has charged me a {$25.00} returned payment fee in error. The statement balance on XX/XX/2016 was {$160.00} ( see attachment # 1 ). For many years I have had the full balance automatically deducted from my XXXX checking account by Bank of America. On XX/XX/2016 Bank of America billed my XXXX account and XXXX transferred the payment to Bank of America ( see attachment # 2 ). It is the policy of Bank of America to transfer the amount due on the day after the statement due date, they tell me. According to Bank of America 's representatives by phone, they then billed my XXXX bank account again for {$160.00} on XX/XX/XXXX? XXXX correctly realised this was a duplicate billing and refused the request for electronic payment. This is obvious from the credit card account statement for the period ending XX/XX/XXXX ( see # 3 ). There were no additional purchases totalling {$160.00}. There was only one payment to Bank of America in the amount of {$160.00} by electronic transfer from XXXX. After the transfer the balance due was {$0.00} plus the " returned check fee '' of {$25.00} because XXXX refused to pay the erroneous double billing. Bank of America does not permit on line communication about my credit card. I spoke with two Bank of America representatives and both refused to correct the error. They kept saying my check bounced. I have not paid a credit card bill by check in more than 10 years. I wrote to the two addresses provided by Bank of America to resolve credit card problems ( see # 4 and # 5 ). Today I received their response by mail ( # 6 ). They still insist I must pay a returned payment fee even though the problem is that they billed twice in error. Of course, I no longer permit Bank of America to bill my checking account automatically since they can not be trusted to do this correctly. As I told Bank of America, this is an excellent money making gambit to help their bottom line. You bill customers in error twice what is owed and then charge them a fee for only paying the correct amount due even though you credit back the erroneous amount billed. This is fraud.

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 2021-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX. Wells Fargo has not sent {$150.00}. Check from years ago fraud.

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 2016-08-09
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have attempted to get a statement of services from this company for over a year. I have called twice and requested one. I attempted to contact the hospital where service was rendered, but they keep directing me to this collection agency. 
I am disputing that the debt is mine in whole. I have not received any information ( in writing ) despite my attempts. I also would like to confirm the date of service and the total amount of my insurance coverage ( if applicable ).

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 2021-03-23
Company: EQUIFAX, INC.
State: FL
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 am writing this message because I have disaster in my credit report. I have accounts that are not mine so I do not know how they appeared there however they are not mine. It's IDENTITY THEFT and I beg you to delete them because its not fair that I have damaged score because of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
well ... lets see ... ... maybe we should start with there name or entity ... .the entity is the servicer ... ..which can change or be sold ... to many times in the life of the loan ... ..its very tricky to follow all there instruments they file with the recorders ... office ... most inturments are fraud and the enity is clueless to what is the truth of the original note.but they try really hard to figure it out .the home owner will pay thousands of dollars that will never get credited to the loan, they call theses fee s late fees drive by fees ... .the list is endless ... .the public can try to have them give them freedom of information FOLA .BUT GOOD LUCK.i wish I lived in a nuther state then there might be help .do n't ask for help because the gov. will put you on there merrygoround, and you get passed from one robot to the next.now you can chose to pay for help .but that 's just throwing more money away.dont contact anyone in the state while it is election time.i just want one simply question answered..honestly .this does not happen ..I think that a mogtgage servicer with any loan taken out from XXXX to XXXX its inevitable you will be renting and at the mercy of who ever is the servicer by the mad up rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied to refinance my home mortgage with Chase Home Lending. My wife and I have excellent jobs as school teachers, our credit scores are both above XXXX, and our home appraised very well. 
Chase collected a " Good Faith '' application fee of {$500.00} and promised excellent service. 
As the process went on, it became apparent that Chase was holding up the processing of our mortgage because we had received a disaster assistance loan from the Small Business Administration for the recovery from Hurricane XXXX. 
I believe that the Chase underwriters acted in an illegal fashion in their failure to process this loan and that underwriting practices in this case constituted discrimination against us for taking the disaster assistance loan from the Small Business Administration. 
On XXXX, XXXX, 2016, XXXX XXXX of Chase Bank promised to refund my application fee, yet the firm has failed to do so. 
Please investigate the underwriting practices of Chase to see that this bank is not discriminating against survivors of disasters who are otherwise on excellent financial footing. Please instruct this firm to immediately refund the promised application fee. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: COAST PROFESSIONAL INC
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have no idea what this debt is my wife recieve a call and days later I got a letter but have no idea what my debt is

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I emailed my Walmart credit card bank " sychrony bank '' requesting my due date be moved back from XXXX of month to XXXX of month. I get a reply that they could not do this and I would need to call them. I Did, could not connect and did not ring. My request to them was due to me being retired military my payday is XXXX of month however if XXXX is on Sat or a Fri holiday pay does n't post till XXXX so I set up my bill withdrawal dates for the XXXX. However this month the XXXX fell on a Sunday and of course the XXXX was a holiday so my bank did not post payment until the XXXX which is my due date for the credit card in question. For some reason banks take two to three days to do a electronic transaction? I 'm not sure why but assume it is " profit '' driven. Anyway, Sure as rain I get a {$35.00} late fee charged to my account because they did not receive my banks posting on the XXXX until the XXXX. It is amazing to me how fast the can do a late fee transaction but takes two to three days to send numbers back and forth? Can I be charged a late fee when my bank posts the payment same day as the due date? If they can not resolve issues via internet/online e accounts and their " XXXX '' phone number is n't working what are you suppose to do? I think the reason I am having difficulty with this bank is purely " GREED '' driven.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: GA
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 another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/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 2015-05-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE CAPITAL RETAIL BANK {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR GE CAPITAL WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO XXXX THIS ACCOUNT IS PAIDED IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have filed a complaint before concerning an account for that I requested proper validation and verification from XXXX saying that I owed a debt of {$1100.00}. I need this account to either be validated or removed since it is not accurate. XXXX is the second company trying to force a claim upon my person from this previously disputed 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 non-monetary relief
Consumer complaint received 2016-07-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank closed my Paypal Smart connect credit card account without any type of previous communication or anything, they recently increased my credit limit ( less than two months ago ) and now they decided to close my credit card.

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
Consumer complaint received 2015-06-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I settled a previous matter via email with Portfolio Recovery Associates. We came to a settlement agreement without validation because I wanted it off my report. This was over 6 months ago and it still has not been reported correctly. I am currently trying to get this corrected with the directly, but it is why I am requesting validation for the matter below. ( I would like this complaint to involve the issue below, but if two matters could be handled at once that would be great too ) There is a current matter at hand that they have sent to collections and I have requested a debt validation via email to them on XX/XX/2018. They just respond with a phone number to dispute resolution although i have communicated with them through email when doing a settlement. I am requesting this because I am not sure they amount they are submitting is correct or if they are the actual owner of the account as the previous account I settled with them was not reported like it was said that it would be. when I setup a settlement agreement they did it through email, so I know they are willing to communicate through that method.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went to the bank and made a cash withdrawal from my checking account. After I left the counter, I decided I did not need the total amount, so I stopped at the ATM and made a cash deposit of {$500.00}. The following day, I saw that the deposit had not been credited to my account and I made a complaint to the bank. They told me {$40.00} had been credited to my ATM card and they had no record of the rest of the deposit. I filed a dispute. The bank said they investigated and there was no error on the ATM machine. They have refused to tell me the basis for their decision and will not review the videotape which would show me making the deposit.

Company response to consumer: Closed
Consumer complaint received 2015-07-31
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Chase bank refused to sign and return the reaffirmation agreement to our attorney over a span of XXXX months from XX/XX/XXXX-XX/XX/XXXX in order to complete a bankruptcy filing. We repeatedly expressed our desire to keep the home, had been making our normal monthly payments directly to Chase, and called numerous times to remedy the problem. As recently as today, I attempted to call Chase to get a copy of the reaffirmation agreement, since it was never returned to my attorney, and they stated that they do not furnish that information to anyone. They suggested I contact my attorney again ( who never had luck getting the paperwork either ). This is preventing us from having our on time mortgage payments listed on our credit report and is holding up our attempts to refinance our home. We have paid on time every month since the bankruptcy discharge XX/XX/XXXX and our credit reports do not reflect this positive payment history as a result of Chase 's unwillingness to provide necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: JPMORGAN CHASE & CO.
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In regards to complaint # XXXX, you have a person, to whom has no bearings on the account in question. The letter dated XX/XX/2016, from Chase, is addressed to a person whom has never had any ties to the account, whatsoever. This is apparently an attempt by Chase to delay responding to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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