BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the Thursday of XX/XX/XXXX, I walked into my local Chase Bank to open a checking account. I was receiving money from my grandfather who was helping me with paying rent. The fastest way to get the money was if opening a bank account at the same bank he uses. I was assisted by a service rep who was very disingenuous about our exchange. I felt as if she didn't truly care about me as a new customer because of me just waking up to get to the bank. I informed them that soon i will be changing my main bank to them and they seemed ecstatic. To open the bank account they required a min deposit of XXXX dollars. I went to the ATM to withdraw the amount incurring a fee to my other account. Everything was fine and everything was set up. When the XXXX dollar amount hit my account a couple hours later, I knew it would be an issue. I didn't have a debit card physically but I knew i could verify my ID if anything came up as suspicious. I was running late so I went to another Chase bank A little further from my house, near my job to withdraw partial of the total amount. XXXX dollars. The teller first told me it would be fine that I would be able to receive my money. Then, he took quite a long time typing at the computer. I informed him that my grandfather was sending money for bills. He said everything was fine but called the bank manager over. The bank manager asked for another ID form so i gave him debit card. Now after another 10 mins and I am actually late for work, he tells me it is denying my withdraw, I didn't understand. The manager then informed me that I would be able to tomorrow around XXXX. I took the answer and went on my business. Later on around XXXX that day I looked into the account to make sure everything was still okay. Online banking said my account has been suspended and to call a number to reinstate it. After calling that number and verifying my ID the associate told me that my account is being looked at for fraud. Something I knew was possible and that I was told would be easily solved. After being cold transferred to the fraud department, re-verifying my ID i was told by someone who could not articulate in English that my account has been closed and began to read me a jargon about what will happen next. It is now the XXXX of XXXX my account is closed, I don't know what happened to my XXXX dollars plus my XXXX dollar deposit and my bills are already 3 days overdue incurring late fees. I feel robbed of my that is rightfully mine and feel as if the bank does not care about my current situation. They cared enough that I opened an account with them but not enough to tell me where my money is and help a new account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX  platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services. 

I never received a response, so I sent another email on XX/XX/2021. 
Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Rewards

Complaint:
I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$94000.00} on  XXXX  at a branch in  XXXX , PA. They put  XXXX  holds on the account. Later they put an indefinate hold on the account citing that the maker bank put the wrong account numbers on the check. Then they said the check would never be honored and said the FDIC would write me a letter with no clear date or timeframe.     I am told today by  XXXX  that the funds have cleared the bank and they are not deposited into my 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 explanation
Consumer complaint received 2021-10-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE FOR THE YEAR 2009 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX HOWEVER, THIS WAS NOT THE CASE THIS IS NOT A DUPLICATE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IL
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX, IL ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAME : XXXX XXXX XXXX XXXX EMPLOYER : VA XXXX RETIRED ADDRESS XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax EMPLOYER : XXXX XXXX  XXXX XXXX ADDRESS : XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In or about XXXX 2015 I had lost my job and was unable to make my Mortgage payments, that were roughly $ XXXXFor ten months I wasn't able to pay so I applied for a home retention loan and was approved by ( Housing and Urban Development ) .As I mentioned earlier I fell behind 10 payments.H.U.D agreed to bring my mortgage current which should've been no more than {$18000.00} since the loan was interest free.Lakeview Mortgage Company some how came up with the conclusion that I had to pay over {$62000.00} to satisfy a Partial Loan Claim.I need to know how this number ( {$62000.00} ) was come to.I never signed any documents with that amount.

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 2021-10-21
Company: Experian Information Solutions Inc.
State: TN
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 recently ordered my consumer report from XXXX. Upon arrival, I noticed that Experian has placed a total of 24 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 24 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Experian my written permission to furnish any of those 24 items on my consumer report. As a consumer, I am demanding that all 24 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Experian. I have proof of when they received the documents. 

1. The request to block was not made in error. 
2. The request to block was not based on material misrepresentation. 
3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions. 

Please be aware that I am very familiar with the FCRA laws that govern Experian and the rest of the consumer reporting agencies. I know that Experian is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

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 2017-04-27
Company: National Credit Processing Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call in XX/XX/XXXX about a payday loan debt and threatened to take me to court. I received another phone call from XXXX. This guy called me XXXX and left insulting voice mail on my phone

Company response to consumer: Untimely response
Consumer complaint received 2016-06-16
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting a Department of Education school loan that the Estimated date that this item will be removed is false, and does not correlate with the date placed for collection. Per the FCRA, incorrectly reported information must be removed. I have disputed it and sent documents to prove it but they refuse to delete the 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 explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have try fixing this problem but I have had no luck. Back in XXXX I submitted disputes with all three bureaus. XXXX did their job the two other have not. The dispute that is still on my report is XXXX XXXX XXXX XXXX. This is over 7 years old and needs to be remove from my report. I was under the impression that they automatically come off in 7 years was not aware that I would have to fight so much to have this remove. Not only did I send one but I sent two and still nothing is done. I hoping you can help me this and get this item remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have just checked in to view the status of my investigation sent through this website regarding an invalid Civil Judgment reporting on my credit report through XXXX under Judgment XXXX. I have waited already 32 days for a response and have not received one and I am getting extremely worried regarding what is going on. XXXX is not supposed to be reflecting on my credit report an this investigation has surpassed its limit and on top of forwarding all invalid judgment documentation to Experian which i received from the XXXX XXXX court records office ; I have been patient enough and I would like to know how soon this jusomenmt can be removed from my credit report. My investigation on this Consumer Financial Protection website has lead me to believe and to know for a fact that the law ( 168. section B ) states that reinvestigation may take a 30-day period to complete. I have not forwarded any more relevant documents regarding this expunged judgment in these 30 days, so I do not understand what the hold up is. Please remove this invalid judgment and so I can finally return to my financial life and try to correct the wrongs done this past 8 years with Experian having displayed this account unlawfully barring many financial institutions to deny me credit. I think i have awaited and suffered enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Risecredit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This online credit loan company needs to be shut down! They are taking advantage of consumers who are trying to rebuild their credit after a bankruptcy! They are given high interest loans ( 126  % ) interest ra tes! They can not be taking advantage of the  XXXX    XXXX   and  XXXX   XXXX  personnel who need money to pay for bills and financial hardships that arise!     I will not pay this loan back in the amount of  XXXX . If they lower the interest ra tes to 10-15 %, then I will pay have the loan back! This company is a modern day, moffia loan sha rking company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was XXXX XXXX XXXX XXXX  in XXXX. I cancelled my phone bill with XXXX XXXX XXXX XX/XX/2018, last date of service XXXX. Two years ago a Debt collector reached out to me saying I owed XXXX dollars for my phone bill. XXXX XXXX did not cancel my plan and continued to charge me for 6 months. I have submitted documents to the debt collector, and they will not drop the debt. I then submitted a complaint about the debt collector through the CFPB, but because the debt collector is a smaller agency, they were not required to respond. I submitted paper work to TransUnion trying to remove the debt from my credit however even after submitting ample poof that this debt is not owed, TransUnion refused to remove the debt from my credit.

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 2015-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX across the United States defrauded the students and the system. XXXX XXXX XXXX filed for bankruptcy due to these and many more fraudulent acts. 

I too recently have filed to bankruptcy and the lawyer stated this should be dismissed by the current President. This should automatically be discharged as they have for more than XXXX other defrauded and deceived students. 

It did not help that 4 days after my lawyer officially file my bankruptcy papers that someone representing Great Lakes called and harassed me about making payments starting the month of XX/XX/2021. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have requested that HSBC ( Household Finance ) correct their own accounting error in which they did n't properly credit our account for 2 monthly mortgage payments of {$1700.00} each or a total of {$3400.00} in XXXX. They sent their own accounting records to us which proved their error and we sent a copy of the records back to them with a letter outlining the error in XXXX XXXX. We have written to them multiple times and they have not taken action to rectify this error. We are now asking them to pay this amount to the company they sold our mortgage to ( XXXX ) toward the principal on our home loan. We are also asking that they pay a penalty to us equal to 6 months of payments ( {$10000.00} ) for failure to respond in a reasonable time frame.

Company response to consumer: Closed with explanation