BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied for modification Bank of America advised on XXXX/XXXX/2014 they have a complete package. On XXXX XXXX was advised that approval letter was sent out, questioned about doing a short sale, was told if that is what I want must send in writing want a short sale and opting out of modification process. Which is what I did.To date Bank Of America still has me as being modified and I never was. FHA will not allow short sale if was modified, which is not correct I know of other people who have been through this process

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Asset care appears on my credit but I have never been notified by mail or by phone that I owed any amount of money. I would like the report in writing and when and where they obtained this debt and what the process was since it states it was XXXX of this year that it was opened and I have no knowledge of this. I have never heard of this company nor have I ever heard from them. How can they report to the credit bureaus if I was never notified of the debt? I would like this flag on all three of the credit reporting agencies removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THIS IS AN ACCOUNT FROM PORTFOLIO RECOVERY  XXXX . THIS ACCOUNT IS PAID IN FULL. UPON SETTING UP PAYMENTS ON THIS ACCOUNT I WAS INFORMED THAT THIS ACCOUNT WOULD NOT BE REPORTED TO THE CREDIT AGENCIES BY A  MANAGER  (  XXXX  ) BECAUSE I WAS HANDLING THIS ACCOUNT AND PAYING OFF THE DEBT. THEY DID NOT HONOR THEIR SIDE OF THE DEAL AND DID REPORT MY ACCOUNT TO THE CREDIT AGENCIES. I HAVE CALLED THEM NUMEROUS TIMES REGARDING GETTING THIS ACCOUNT REMOVED FROM MY CREDIT AND I HAVE BEEN TOLD TO CONTACT THE CREDIT BUREAUS AND WAS ALSO TOLD THAT THEY DO NOT DELETE THERE ACCOUNTS FROM PEOPLES ACCOUNTS. PLEASE HELP ME TO GET THIS REMOVED FROM MY CREDIT REPORT. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, namely, a copy of a signed contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn this matter over to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
On XX/XX/XXXX, I consolidated my subsidized and nonsubsidized Stafford student loans through XXXX ( XXXX ). I signed a contract for consolidation because the fixed interest rate would reduce from 2.875 % to 1.875 % after 48 timely monthly payments, which it did during XX/XX/XXXX by Nelnet, who became the loan servicer XX/XX/XXXX. 
On XX/XX/XXXX, I received an email from Nelnet indicating that my interest rate was " adjusted. '' Upon an online review of my account, I noticed that the interest rate increased back to 2.875 %. I called the customer service number three times and was informed that effective XX/XX/XXXX my student loan rate was increased by 1 % to 2.87 %. The Nelnet representatives informed me that I was no longer eligible for the reduced rate because of an error. I requested specifics and was told that no further information was available. The representatives refused to allow me to speak with a supervisor. 
The attached documents clearly support my narrative. Should you require additional documentation, please let me know. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Johnson Mark LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company was Johnson Mark LLC " attorneys at law '' XXXX XXXX XXXX XXXX UT XXXX, XXXX and they submitted a request to garnish my wages for a creditor called " XXXX XXXX '' and I dont even know who that is. I had paid this off and taken care of the garnishment so was not worried about that at all. I was just calling to verify the original creditor, and to give them whatever information they needed to close their case. The woman hung up on me as soon as I said I had paid the bill. Then when I called back and asked what I could provide for her to close the case she raised her voice and said it was coming out of my check ( which doesnt matter as I dont even work for the company they were trying to collect wages through anyways even if I had not paid it ). I really was just trying to verify the original creditor and give them a courtesy call and she started screaming at me and said " get off my phone!!! '' and hung up on me again. I dont care that it was paid, that it was garnished etc and felt like i handled the call as well as I could... but i do feel like it should be illegal, if it is not, for a company to be able to garnish your wages, and then not only not clarify what it is for, but scream at you and hang up on you when you are trying to clarify a debt. They contacted me a week ago XXXX XX/XX/22 and I called them back today, at XXXX and XXXX MST. I still need to know exactly what the charge is, as I am working through old debts and need to know exactly which creditor to scratch off my list, but am afraid to call back. : ( I also asked her if this was regarding a debt from " XXXX  '' and she said yes, in the middle of screaming at me, so I called XXXX with another number I had hoping to get someone else and they ended up being a completely different company so the little information I did get from her, was not correct and could have led to me not paying another debt based on her statement. I am pretty horrified that when I finally try to get my debts in order, this company would scream at me for calling to let them know I am paying their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
my name is XXXX. I used chase XXXX credit card for around 3 years. last one month, XXXX, my credit card get expired. however, my old credit card still can be charged by authorized merchant. An expired credit card still can be charged money. this is very ridiculous. It happened to me and It happened to chase bank. what is purpose to set up expiration date? it is XXXX of credit card protection or not. 

Furthermore, I did call XXXX and mention this issue to chase credit card. Their service is very rude and unfriendly. In other words, it is your business, not chase credit card business. I think everyone need to know about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/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 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 explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 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 2022-01-24
Company: EQUIFAX, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$460.00} attempted to be collected by company. This is not a debt that I owe.

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 2022-07-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dates are blurry due to it being some time ago and having bad memory. Moved with my ex partner to an apart on XXXX XXXX. For some reason he couldnt get the internet connection, so it was put under my name. Everything was paid on time. Until the end of our lease. His behavior was getting worse, he ended kicking out the house. Lease ended and I was never allowed backed in. I thought he paid for the wifi and returned the box. Couples of month later the calls began. I let them know I no longer lived there and had no way to get in and return the box. Month later its now it collections bc the last payment is as never made even though it was pulled out of my bank account bc it was auto payments. The box was never returned even though I let my ex partner know. The calls were very frequent at least four times a week, this went on for three years until they report it on my credit score. I made a dispute but it was tossed. I have information on my ex partner if its needed. Time line is 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 explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, INC.
State: CT
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 contacted Equifax on XX/XX/XXXX about the following accounts ; XXXXXXXX XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX Balance : {$66.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$85.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$90.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$750.00} ). Equifax has failed to verify these fraudulent accounts on time as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are some accounts on my credit report that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I find it hard to believe that an FDIC Bank like CHASE Bank will not take US Currency, yes good ole cash from people depositing into one of there account holders account. I was told I had to have an account at Chase Bank to deposit cash into someone else account at Chase Bank. ie, my Landlords rent payment. How is it possible that a Financial institution does not accept CASH. As well they have a {$6.00} check cashing fee, and do not have any of these policies posted in the lobby so after waiting in line you are turned away. THIS IS ABSURD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I recognized that my transaction posting via the app was not aesthetically similar to other check deposit transactions, I called to inquire about its validity.. ( mind you I made a deposit on Friday evening for an undisclosed amount ) I call Chase and speak to a fraud specialist and explain to her that someone put money in my account ( duh, it was me but forgot that I had made that deposit ) without my consent. 

Half way through the conversation my brain reactivates and I tell this representative ... " Oh! I now know what happened.. I received a check from work and made that deposit myself ... The reason I was confused was because the post on your Chase app was TOTALLY different.. generally there is a check icon next to a paper check deposit transaction.. '' She then says.. " Oh ok! That makes sense.. Let me get back to you in 2-3 minutes '' .. 

I wait.. 

She comes back onto the line and says " I regret to inform you that Chase has closed your account and has terminated our relationship with you. We will not disclose any further information '' I followed up with a local branch manager the following day to inquire about the situation only to find out that my account had only been restricted, and worse case scenario I would be able to pick up a cashier 's check for the remaining balance. 

Chase, without my consent, wrote a check and sent my money to the incorrect address.. They claim they notified me via letter but I have not received one.

Company response to consumer: Closed with explanation