BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Bank of America representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Bank of America account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Bank of America does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.

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 2016-06-15
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card
Issue: Advertising and marketing

Complaint:
I got a prescreen offer for Chase 's XXXX XXXX XXXX card for XXXX bonus miles with an application link. I applied through the link and after being approved found out that they had pushed me into a different card offer XXXX XXXX with only XXXX bonus miles, different fee structure, etc ). I emailed customer service, explaining that I had applied under the link for the offer they sent me, and requested that they give me what I had been offered initially. They said they would n't honor it ; that I had now been given the XXXX offer and only new XXXX XXXX XXXX cardmembers can get the XXXX offer. I explained that I HAD applied for the XXXX offer and only got the XXXX offer, and that I had been deceived or tricked. I asked for information on how to close the account, reverse the effect on my credit, since I was duped. They they only responded by telling me I could n't have the offer the sent to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a long lasting relationship ( When Wamu was bought by Chase ) with Chase, however, out of the blue, all of my credit cards were closed by them. I called them to try to find out why and they did n't give me an answer but a very generic " unexpected activity ''. That does n't tell me anything as to why all XXXX of my credit cards were closed simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Transunion File Number : XXXX I demand the following account be verified or removed immediately : 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 2022-03-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, I sent a letter to Experian, and XXXX addressing a concern about an account that they were and still are reporting on my consumer credit report. 

They are reporting a collection account as an open account with a past due balance and late payments. I have never opened an account with the company reporting, and a collection should not be reported as an open account. 

I have tried to get this matter resolved on my own by writing letters to both of these reporting companies. 

I have tried 4 times via letters and they keep reporting the same status. 

They have also failed to provide me proof that they have conducted a proper investigation to my request.

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 2022-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX submitting yet another CFPB complaint to you today to request that the remaining items be completely deleted from my Credit Report. I have been sending multiple written letters addressed to the Credit Reporting Agencies that they remove the disputed fraudulent items completely from my Credit Report. the most recent letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my personal identifying documents as well as the IDTHEFT REPORT I received from the FTC. These attached documents are requirements to remove any fraudulent accounts and information from my Credit File under the FCRA section 605b. Despite all the letters I have been sending, The Credit Bureaus have become negligent of their responsibility with the FCRA. Under the FCRA section 605b, I am requesting that the remaining fraudulent items be COMPLETELY DELETED from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XXXX XXXXXXXX Balance - Date opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am bothered by the indifference of the Credit Reporting Agencies! I have been sending multiple written letters requesting that the Credit Bureaus investigate and update the status and information being reported by the following accounts on my Credit File. The accounts : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance {$1300.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$310.00} Date opened XX/XX/XXXX ; are reporting erroneous information on my Credit File and I want to know where do the Credit Bureaus reference the information they report. Under the FCRA section 609 and 611, the Credit Bureaus are required to investigate and provide proofs of verification of any disputed accounts from my Credit Report. But despite all my efforts, the Credit Bureaus have done nothing! Their willful non-compliance with the FCRA is a clear violation of a consumer 's rights. I need the disputed accounts corrected immediately!

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 2020-09-28
Company: PREFERRED CREDIT INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Preferred Credit has continued to call us within minutes of each other to let us know our payment is late even during the grace period before its actually late. We let them know our payment would be late due to us  having a XXXX. Today on XX/XX/XXXX, they called twice in a row 3 minutes apart after already leaving a voicemail. Having worked in collections myself, I happen to know this is not legal. We have a XXXX   XXXX  and this has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2017-02-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: DLC, LLC
State: IL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A charge to my debit card for a XXXX in XXXX XXXX was made on XXXX/XXXX/16 ( I live in XXXX and have never been to XXXX ) for {$980.00} and {$41.00}. I immediately called Chase Bank to report the fraud, and they temporarily credited the money back to me. On XXXX XXXX, they reversed the temporary credit because " my card has a chip and the chip ca n't be duplicated ''. I spoke to a supervisor, opened up the investigation again, and received another temporary credit. Now Chase Bank decided to permanently give me back the {$41.00}, but is reversing the temporary credit of {$980.00}. I will call again and try to speak to someone regarding this, but right now " the system is updating ''. I 'm frustrated beyond belief, and I plan on closing my accounts with Chase Bank after I receive the money that was stolen from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
NATIONSTAR mortgage is charging ridiculous amount for escrow & NOT returning overages! If I send more money, they make up charges to absorb extra funds, so again they do NOT have to return funds or apply funds to principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: FinCo Services Inc DBA Current
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was supposed to be upgraded to the premium, black, debit card from this company Current. I contacted customer service 2 weeks ago and was told they were sending me out the premium, black debit card. Several days would arrived in the mail was a regular white debit card, not the premium black one which was discussed originally via chat when the order was placed. I then contacted customer service to complain and they said they would send me out another card which again was white. I again contacted customer service and was told they would finally be getting me out the black card as promised. I asked them to expedite the card. I was told that they would expedite the black card via XXXX. Another entire week go by with the car not being delivered, and no tracking information provided. I again contact customer service requesting an update and tracking information. I was told that I would be getting tracking information within 24 hours. More than 24 hours goes by without a response. I yet again contact customer service and am told that they have no updated information. I was told I have to wait until next week. This to me is completely ridiculous that this company just sends me in circles for several weeks. I want the black debit card I was promised, and I want credit and an explanation for my time wasted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX  XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$2000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, Amount {$1400.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still holding me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$230.00}, This account was opened fraudulently, contacted the company and company refused to removed this from my account and is still holding me responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.

Company response to consumer: Closed with explanation