BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX  XXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX .... Balance : {$850.00} ; XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$100.00} ; XXXXXXXX XXXX XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} ; FIRST XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; PA XXXX XXXX XXXX XXXX XX/XX/XXXX ; CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-02-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
the lender was sent our QWR on XXXX/XXXX/16 which has never been responded to by the lender - the lender is in violation of the clients right to counsel and our right as counsel to obtain the needed info to properly assist this client in obtaining assistance with the lender

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 2017-01-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I went into the Navy Federal CU branch at XXXX XXXX XXXX XXXX XXXX, FL XXXX to do a withdrawal of {$3400.00} - they refused stating I had a charged off account. The charge off account was for approximately {$500.00} or less and I had already made arrangements to get this cleared up. They refused to allow me to make a withdrawal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2020 TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-04
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  ), Account # XXXX, Amount {$300.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient collections. I am XXXX per Social Security. They determined I was XXXX since XXXX but my claim was filed in XXXX. XXXX verified this determination as well. I subsequently sent the information to Navient who contracts with XXXX to determine XXXX status claims. XXXX XXXX has been denying others beside myself. I have a XXXX determination and Navient only reviewed the medical. I am prepared to submit XXXX records and asked the Navient collector for the form to submit my XXXX status and the collector told me " if you want the papers, you go get the papers. '' I propose XXXX review of XXXX claims or an independent entity to monitor XXXX denials by XXXX to ensure Navient 's contract with XXXX XXXX is not a way to summarily deny all XXXX individuals. 

I was a XXXX 15 years ( including use of a XXXX ), XXXX. So I know the Fair Debt and Collection Practices Act ( FDCPA ), XXXX. Navient 's collectors are not well trained and should not dictate policy/procedures based on their own biases and not the company 's policies/procedures. 

The determination that I am not " XXXX enough '' and being unwilling to give me the opportunity to submit the XXXX portion of my XXXX does not seem legal or ethical ( Social Security used both XXXX ). 

Why is the relationship between Navient and XXXX not investigated for collusion and a way to defraud the XXXX? 

Why am I not permitted to submit the secondary XXXX diagnosis? 

I posted a breach in FDCPA to the Consumer Affairs site, and read how individuals with XXXX, XXXX, and XXXX were all denied by XXXX paving the way for Navient to collect debts from individuals that are otherwise considered XXXX by federal and state entities. Please check into this inequity. 

Paying Navient even if state and federal review deem us " unable to work '' is unreasonable when their " contracted '' " determining entity '' may gain financially by denying XXXX claims. In addition, when their staff refuses to send the appropriate form to XXXX individuals, it is basically an admission that they will not consider my XXXX claim anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2016-12-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a bank account with Chase and a bank account with XXXX Bank. 
In XXXX, I wrote check XXXX from my XXXX account to pay a guy, XXXX, for installing some ceiling fans. XXXX deposited the XXXX check into his Chase account. 
A month went by. Chase sent a letter to XXXX saying that my XXXX account as invalid and charged XXXX {$12.00}. XXXX did n't tell me till XXXX. I looked at the letter that Chase gave XXXX. [ Chase accused me of writing a fraudulent check! I am angry! ] Chase had added a digit to my XXXX account number. Chase was in error. 
XXXX went to Chase and explained the Chase error. Chase said they would clear it up within 10 days. Yet, it is now almost XXXX, and Chase still has not cashed that check. XXXX still does not have his {$250.00}. Chase is damaging my reputation!! 
My XXXX account is valid. On XXXX XXXX, 2016, to prove it, I wrote check XXXX from the same XXXX account and deposited it into my own Chase account. The check cleared in 2 days! This should have proved to Chase Bank that my XXXX account *IS* valid. 

I think Chase is discriminating against XXXX because XXXX is not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to modify my loan with Citimortgage for over 5 years. I have spent over {$35000.00} with attorneys and consultants. I have spent thousands of my own hours as well trying to work through their system. I have been lied to, I have had paperwork lost, I have had to cancel business trips in order to file court docs and most importantly, I 've had to explain to my kids how we could be forced to leave our home at any given moment. I have copied XXXX XXXX, the CEO of Citimortgage, on dozens of documents over the past year pleading for fair and reasonable treatment. She has provided no help. 
I need to have my foreclosure stopped and I need to sit down with someone with my bank statements and renegotiate my loan as they have done for so many others.

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 2016-04-07
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX XXXX we paid our motorcycle and truck insurance to XXXX using our BP XXXX Credit Card. This card was closed in XXXX XXXX because XXXX was selling it 's BP cards to Synchrony on XXXX XXXX, XXXX. We moved from XXXX to XXXX in XXXX XXXX and cancelled our XXXX insurance coverage. These refunds were sent back on our closed BP Card. WE HAVE NOT RECEIVED THESE REFUNDS AS OF YET. I have been in contact with XXXX and XXXX several times since then to find out what happened to our refunds. XXXX has maintained from the beginning that they sent the funds on XXXX XXXX, XXXX and have not received them back. Before they can reissue us a refund in check form they need a proof of returned disbursement along with a reference number. XXXX has provided me with documentation proving that the transactions have been sent and confirmed by the bank. XXXX has stated several different things. First that Synchrony would have the funds. A XXXX representative and myself have checked several times with Synchrony and we do not exist in their records. The above stated account was closed prior to the migration so they would not have any information on us. Plus, all that XXXX had was our old account information, nothing for Synchrony ( routing number, etc. ). I have been told by XXXX that they returned the refunds to XXXX but they can not prove it. They know this because this is what always is done to transactions for closed accounts. I have also been told that my account has been purged and that they do not have any records of this account anymore. As of now, XXXX has provided documentation that the refunds have been sent and that they have not been returned to them by XXXX. XXXX has stated that they can not find these refunds and to have XXXX refund us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28
Company: KEYCORP
State: ME
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage for approximately 15 years. Originally, the loan was with XXXX XXXX who sold it to XXXX who sold it to Chase. I have never missed a payment and have never been late with a payment. The problem started with the purchase by Chase. Suddenly, I was receiving a double bill each month with differing due dates. I became so confused by Chase 's billing procedures that I actually made an extra payment one month ( which was never acknowledged, or refunded ). It is my contention-and accusation-that Chase is deliberately spreading a smoke screen with its computer-generated billing system. They will gladly XXXX an extra payment or two our of the consumer, but no mention is ever made about the consumer having overpaid his mortgage. I charge that Chase is deliberately using their computer-generated payment notices to fleece their customers by enticing/extorting them to pay premiums in advance without acknowledging either the early payment or the extra payment the consumer is encouraged to make. You-the Florida Office of Financial Regulation-should be ashamed to allow and be a complicent partner to this fleecing of the consumer by Chase Bank. I eagerly await your reply and solution to the corporate malfeasance by Chase Bank. 
Very truly yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a savings and checking account at J.P Morgan Chase Bank ( XXXX XXXX location ). I wired {$230000.00} into the savings account # XXXX. About XXXX days later my personal banker called to tell me, and subsequently sent me a brief email which is attached, that he had received instructions to close the account. I received no explanation as to why only provided a phone number to call.I called that number and it was the Compliance Department. I asked to know what was found by their " back office team '' that made me unsuitable as a customer. I was summarily told that the information stayed internal and is not shared with the customer. As a consumer, I should have the right to know what information they sought, who from and to determine if it was accurate. I have no criminal record and nothing that I am aware of that would make my money less desirable than anyone else 's. What recourse do I have in a situation like this to remedy, mitigate or seek a copy of the review, to know they made a decision off erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A few days after we made a first and full payment of a parent plus loan we were notified that we qualified for Total XXXX forgiveness. We immediately called up nelnet and they expclitly told us that even though we just paid it off we would be refunded if we qualified. After a few months we contacted them to check status and found out that we did qualify. However, because the account had been closed they were n't able to systematically do a refund and suggest we contact my XXXX XXXX. My XXXX XXXX tried to help but eventually gave up. Nelnet has yet to follow up with us but basically told us they did n't know what to do. The loan amount was around XXXX and we could really use that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
CHASE PROMISES TO MAKE AVAILABLE YEAR END SUMMARY. 
CHASE DOES NOT FULFILL THIS PROMISE. XXXX XXXX CAN NOT ACCESS ONLINE. XXXX XXXX CAN NOT ACCESS BECAUSE HE GETS THE ERROR Duplicate headers received from server ERR_RESPONSE_HEADERS_MULTIPLE_CONTENT_DISPOSITION Hide details The response from the server contained duplicate headers. This problem is generally the result of a misconfigured website or proxy. Only the website or proxy administrator can fix this issue. 
CHASE XXXX XXXX XXXX XXXX MISLEADS BY PROMISING ME YEAR END SUMMARY. CHASE SHOULD USPS MAIL IT TO ME BECAUSE IT DOES NOT OPEN UP ONLINE. CHASE MISLEADS. SEND IT NOW BY USPS MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.

Company response to consumer: Closed with explanation