BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
A denial letter sent to me stating these reasons. XXXX serious delinquency, and derogatory public record or collection filed. XXXX number of accounts with delinquency. XXXX length of time since derogatory record or collection is too short. XXXX length of time accounts have been established XXXX limited credit experience. these reasons were all fraudulent!! the whole letter in my opinion was fraud. Chase bank does not make money on home loans less than {$50000.00} dollars. my fico score was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: U.S. BANCORP
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had opened the US Bank account with the promotion ( {$150.00} promotion ) if i meet the required conditions ( like direct deposits of {$500.00} or more etc.. ) - all the terms and conditions are met now. The promotion code was applied and the account was opened before the XXXX XXXX ( promotion deadline end date ). When i am inquiring about my promotional bonus - I am getting excuses from them that something is missing ( like account type is not the promotional account type ). The account type is silver checking which is covered. But i do n't see that bank is willing to offer the promotional bonus of {$150.00}.

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 explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Continuation of Case number : XXXX - I tried to respond in my case, but there was no place to do so, first this has absolutely nothing to do with a foreclosure, my credit score is a XXXX, I have never missed a payment and am looking at purchasing a new house and as I stated only clicked on the link in the email to see the current rates. So please do not send me links about if I am in foreclosure or in debt, I am in neither! I received a letter yesterday from CHASE - the people who have been calling and the link I clicked on stating that they received a request from my on XXXX XXXX, 2017 and expect to have an answer or status update for my by XXXX XXXX. I did not make any request or submit any information, I closed out of the link before submitting anything to them, I certainly did not give them my SS # or request that they process a loan application for me. Their Mortgage Banking Executive Office # is XXXX ; I want this reported and handled ; this is a complete misuse of their power and I have been completely violated, they have no authorization to run anything of mine, let alone call me 14 times a day. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: Delinquent account

Complaint:
I am delinquent on XXXX credit cards with US Bank. My only source of income is direct deposit to my US Bank checking acct. of Social Security. I am paying what I can each month after I pay my mortgage and utilities. US Bank has me on their " dialer service '' for both my home and cell phone. From XXXX thru XXXX they called me from XXXX letting it ring twice ( 14 times ) & then hang up. On XXXX, I called and spoke with XXXX and she advised she would take me off the " dialer service '' and have a supervisor call me on or about XXXX. I advised I was scheduled for XXXX on XXXX. Admission and discharge charge records are available if needed as proof. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my home phone. From XXXX thru XXXX, I received XXXX calls ( XXXX ring hang-ups ) on my cell phone. I want these harassing calls to stop. I am aware of my debt and will continue to make payments on these credit cards. Their constant calls serve no purpose other than harassment in my opinion. If there is n't a law against this type of harassment ... there should be.

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 2016-07-01
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding case # XXXX. I am submitting a new complaint because I have acquired my own evidence that US Bank owes me a reimbursement. I requested my PMI to be removed once I met the qualifications and they did not remove it automatically as the attached documentation from the FHA/HUD specifies to do. Thus, they owe me the amount of PMI I overpaid from XXXX 2016 to XXXX 2016. 

It is disheartening that I specifically requested US Bank to provide documentation from the FHA that spoke to this yet they continued to send me their own interpretation and it was incorrect. I am tired of consumers being treated this way by these large organizations.

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 2015-06-08
Company: U.S. BANCORP
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
HelloI bought Visa Gift card ( Prepaid ) card for XXXX $ at XXXX store in XXXX, GA. It was issued by US Bank. I bought it around XXXX XXXX 2015. Around XXXX XXXX, I tried to use and XXXX said, I had only XXXX $ left on the card. When I checked online, I could see that someone had removed money from the card using XXXX XXXX. 

I immediately contacted them at XXXX and they closed my card. It was around XXXX XXXX 2015. They sent me form to fill out which said, I need to file police complain and get it notorized by bank. 

i did all that and faxed them form around XXXX XXXX 2015. Till today, I have not heard back from them. I have been calling them and they are saying that they are still investigating it. 

My XXXX $ are stuck right now for a month and I am not getting any good answer. Can you help? 

Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: U.S. BANCORP
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank is charging overdraft fees to make money. I have on several occasions looked at my account saw it was over and immediately put money in the account. Not a check, but cash. The next day I am hit with an overdraft. I have made many deposits on my account in cash and all have a positive balance to again get overdraft fees. I have requested text messages when my account is below XXXX, not only have I not received one this year, but they notify you the following day what your previous balance is. Just so they can charge these fees. How is this legal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My Volvo was in a collision on XXXX/XXXX/2015. The damage resulted in the car being a total loss. The insurance paid the leasing company, US BANK, less our {$500.00} deductible. 
Our lease payment is due IN ADVANCE of use on XX/XX/XXXX ... Every payment has been made on time. I made the payment of {$470.00} for XXXX 2015 and I believe that amount should be credited to the {$500.00} deductible since I did not have use of the vehicle for the month of XXXX which I paid. I have been fighting wit US Bank for over 9 months about this and they refuse to credit the payment.

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 2023-01-18
Company: EQUIFAX, INC.
State: MI
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX Balance : {$40.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX i filed a bk chapter XXXX.I am in the second year making all my regular monthly payments and the court pays the arrears.Everything was going ok until Ocwen bought PHH. They gave my mortgage to be serviced by them a couple month ago..Now all of a sudden i was making my payments over the phone and had an online account.As of XX/XX/XXXX I no longer have an online account to see what i owe .I ask my attorney to send correspondence to let them know it is ok for me to discuss my mortgage with them.So i started calling asking what happened to my online account and if i can't see online, if they can send paper statements.They keep saying I am in bk so they can't do that, But for two years they were ok with it..I call and send emails everyday about my account .I ask to speak to a supervisor they keep saying he/she is busy they will call me back. Still nothing.Please help I have been fighting with this company for years and the attorney i have don't seem to be too interested in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: SYNCHRONY FINANCIAL
State: NJ
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 two hard inquires on my credit report that we not made by me. They were applied on XX/XX/2018. I believe my identity has been compromised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Capital One Auto Finance refinanced my loan in XX/XX/XXXX. I have completed 2 limited power of attorney documents, notarized and mailed and they still have not completed title transfer. The car was totaled in an accident XX/XX/XXXX. XXXX XXXX XXXX is ready to payoff but Capital One will not provide letter of guarantee on title due to their ineptness in not transferring title. 

Please keep in mind I have been making payments on a car that they have no legal interest regarding lien holder status. 

I can not obtain a new loan until this is paid off when they are advising can take 3-4 weeks. In the meantime the loan is accruing interest even though they know the car has been totaled. 

I am requesting assistance in getting this resolved. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed what I believe to be an error on my credit report. It was referenced by XXXX no contact or account number and no contact information, It has been over 30 days and I had not received a response from the credit bureau so I called today XX/XX/2019 @ XXXX EST and spoke with " XXXX '' she states they have no ID number so I asked her location she replies off shore. She stated that the investigation was complete and that it stands on report as correct. I asked how can this be so I do not even know who the XXXX was and she says a collection company collecting a XXXX account. I told her I ha no dealings with XXXX nor do I have any with XXXX so I asked what proof was provided them to prove that this collection account is accurate and I insisted on resubmitting another dispute she said I had to call XXXX I told her I had not contact so he offered to give me their contact and I asked to speak with a supervisor and told her I wanted to file a complaint against the reporting bureau because of the nonchalant way I was being spoken to and the manner in which my dispute was handled she hung up. I have never done any business with either of these companies and this should be not be reported on my report with out physical proof of the claim of debt stated to the bureau by XXXX XXXX Transunion File Ref # 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 explanation
Consumer complaint received 2015-05-20
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX prepaid Visa Gift cards from XXXX on XXXX/XXXX/2015 issued by US Bank. I found out a week later the funds were liquidated fraudulently. I informed US Bank on the number of the back of the Visa Gift card. Weeks later they request additional information but gave me very little time to send it. I then faxed the information in XXXX. Today they said they never got the information and closed the case on XXXX of the cards because of insufficient information and closed the case. I have the fax receipt showing that I did send it in. The other card I still have not heard any information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I don't believe that I have been financially harmed at this point. However, it could have gone bad very quickly, had I not started using my online banking App. I was sold an " upgrade '' to my existing B of A account. A business credit card with " better '' reward benefits. I assumed it was an ordinary Mastercard account. What was not disclosed at the Branch where I signed the agreement, which I am now trying to understand how and why this account works. I use my card say it's 0001. Some time after the close of the billing cycle but before the due date, I go to my local branch to pay part or all of the balance due as reported by the teller, when I ask them to verify my current balance. That payment is electronically transferred and posted to the card. Some time after, whatever remaining balances that were unpaid are moved to the " Corporate acct '' with a different account number say 0002. So this balance sits there in the " corp '' and does not get paid when I send payment to 001 every month. So now I have about {$5000.00} in unidentified purchases that I need to review and pay the balance on. They were having a very difficult time explaining when and why my balances were being moved around. Looks to me like a splitting of the account that was not what I wanted.

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 2016-12-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I filed for a dispute and I did it XXXX XXXX on XXXX XXXX they took the money back without my knowledge when I called they told me that they would put the money back into my account because they took it out without my knowledge even though it was visual credit and my account is still in negative I 've had XXXX people in fraud department told me that I can get my money back and that my account will be in a positive balance again because they took money out of my account without my knowledge then when I called back because it is still negative they act like they do n't know what I 'm talking about and my account is still negative I feel that I 'm getting treated unfairly when I speak to a supervisor of the fraud department he had attitude I do not know his name like he did n't want to be bothered I have been at many banks I have never had a problem with filing for dispute this was the worst.

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 2021-11-12
Company: Capio Partners, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company called for a relative and refused to say anything about their business besides they were Capio. The line they called on was recorded and even though I asked them 4 or 5 times what type of business they were they only would say they were Capio. When I continued to insist who they were they rudely hung up on me. I called back and theyre Capio Partners , LLC but would not identify themselves as the type of business ... just that they help businesses. I looked on the internet and they are a collection agency specializing in health care. It is illegal to call and not identify themselves as a collection agency ... .I asked many times and it was on a recorded line from a caller within the State of Wisconsin so the recording is legitimate. I would like to find out to have them prosecuted for using illegal tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several hard inquiries on my credit report I do not recognize, I did not authorize. hard inquiries such as XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX are all unauthorized hard inquiries. 
Fraud alert has been placed on my report twice. One time in XXXX and XXXX. All hard inquiries should be taken off my credit report. Ive sent letters and letters of the law have been sent to all three bureaus. Please remove inquiries from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My account was paid in full. XXXX XXXX showing charge off, which is incorrect. High Balance also incorrect. This was a company card and I am not responsible for the debt. 

I did not personally guarantee this company credit card. I am formally requesting under Section 609 of the Fair Credit Reporting Act, that XXXX XXXX provide me the original contract with written authorization/signature authorizing this account. 
If XXXX XXXX is unable to verify this account with the original contract and signature, this account should be removed from my credit report within 30 days.

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 2016-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are inquiries on my account that do not belong there.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 with the fair credit reporting, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Accounts # XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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