BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX and XXXX XXXX bought a home from XXXX in XXXX in 2008 our first loan was though star XXXX which sold our loan to chase well ever thing was good at first until i lost my job we did a loan modifcation application well ever since we did the loan modification ever time the say we default its when you get to the third payment the one that will lock you in well this is my home has been and i have been thought XXXX but i will keep fighting for my home until there is no more breathe in me can someone please tell me what to do how do you get chase to understand

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( 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 2021-02-19
Company: Skrill USA, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received an email regarding a verified account with Skrill which I did not, to my knowledge, create. Given the difficulty I've had in removing fraudulent accounts created with this email address on XXXX and XXXX this is both concerning and likely fraudulent. Against the possibility that I had created an account some years ago for some long-forgotten reason, I thoroughly searched my records and I can find no record of any other email from srkill in my archives. As far as I know the password of this account has not been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.

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 2020-06-15
Company: Netspend Corporation
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I tried to file a dispute and get a refund in the amount of {$720.00} through CONTROL PREPAID MASTERCARD for services that i payed for that wasn't rendered to me. For a trip that i was making payments on through a travel agency named ( XXXX ) for my up coming Honeymoon to XXXX XXXX  XXXX. XXXX took my money and cancelled my trip and said they were cancelling all trips and shutting down their operations due to the travel band and they didn't issue me a refund. They said i had to go through my bank to get my money back they weren't giving out refunds. The trip in total cost a little under {$3000.00}. But i only got to make two payments on the trip before they cancelled the trip. XXXX has scammed thousand of people out of their money. It has been all over the news. I sent all necessary paperwork to control/XXXX to try to get my refund as a charge back or etc and they denied my claim and said it was between me and XXXX. It was nothing they can do. I've never heard of a bank not protecting you from things like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase keeps sending me physical mail ( or claims they have sent me physical mail, because obviously the delivery rate for their mail seems low ). Like anyone born after XX/XX/XXXX, I dread the notion of physical mail. This is not XX/XX/XXXX where physical mail could have been ( being generous here ) considered the best way to communicate. 

As much as I like waiting XXXX a ) week XXXX XXXX ) to receive my mail with no tracking on important matters, then finding a sharp tool to open the mail XXXX, then extract the letter while desperately trying to avoid paper XXXX, then taking out the trash so I have a place to throw the envelope, it is ultimately extremely unsafe. Whenever I get mail from Chase, I have to bring it to some kind of shredding service. 

In this modern day and age, I really do n't know who thought up that sending personally identifiable information over physical mail was a good idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX of this year ( 2016 ) I obtained my credit reports from all XXXX credit bureaus, I discovered Midland Funding , LLC ( " MCM '' ) reporting a trade-line on my consumer credit files for an amount of {$950.00} for XXXX XXXX XXXX BANK. 

I mailed a Midland Funding , LLC a 'Demand for Validation ' letter including a copy of my credit report displaying the trade-line via USPS certified Mail Tracking ( # XXXX XXXX XXXX XXXX XXXX XXXX ( letter attached ). I received a reply from Midland Funding , LLC stating that, " Unfortunately we are unable to locate your account in our system '' ( results attached ). Midland Funding , LLC failed to acknowledge my dispute and continues to report the erroneous trade-line. 

I disputed the trade-line furnished by Midland Funding , LLC with XXXX and XXXX USPS Certified Mail ( Letter Attached ) and remains on my XXXX separate credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : PORTFOLIO # XXXX, Account name : XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2016-04-26
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is still ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2016-04-26
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX. This company calls my work number, my home, my cell, and various relatives constantly and repeatedly. I dealt with this company several years ago and they lied to me and told me that I was already being sued but if I agreed to a payment at that time the suit would be dropped. That was a lie. Now I am dealing with this company again and the calls are constant. I ca n't believe a word they would say after the last time. 
In addition, they recently called my sister in law and told them they were a debt collector looking to collect a debt, and could she give contact information or pass that on. I was under the impression they are not permitted to disclose that information to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
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:
Recently viewed my updated XXXX credit report when I realised I have too many inquiries on my report that I do not recognised. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX 2022 XXXX XXXX XX/XX/2022 XXXX XXXX. 
XXXX XX/XX/2022 SXXXX XXXX XXXX XXXX XX/XX/2022 I tried to enquire about it but I havent been getting any feedback.

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 2023-01-16
Company: EQUIFAX, INC.
State: NC
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 do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFTS ACCOUNTS ASAP!!! 

XXXX XXXX - {$4600.00} - Collection/Chargeoff - all XXXX DEPTEDXXXX XXXX - {$0.00} - LATE PAYMENT - XXXX, XXXX DP OF EDUC XXXX - LATE PAYMENT - EQ XXXX XXXX XXXX - {$0.00} - Collection/Chargeoff - EQ XXXX XXXX - {$2300.00} - Collection/Chargeoff - all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved for a XXXX modification in XXXX. I accepted all of the terms discussed. However on the final papers the Chase bank included a balloon payment. I declined the offer, circled the amount and wrote " what is this? '' This was not part of the agreement. I sent a letter and was waiting for a new offer. They processed the modification and included the balloon payment despite my letter of expressing disapproval, also requesting a fixed interest rate. 
On XXXX of XXXX, I sent a certified letter and requested to exercise my right for extended rescission. They reviewed the modification and offered me new terms. I currently owe {$120000.00}, the new modification makes the new balance at {$140000.00}, they included a balloon payment AGAIN and said they will forbear {$15000.00}. Again, I only owe {$120000.00}. I need help cancelling this fraudulent loan. After I wrote the bank a letter to request the modification to be cancelled they offered a bad faith offer adding $ XXXX to my mortgage balance without an explanation. 
This was predatory lending and violates TILA and RESPA rules. It also does not follow HAMP guidelines for the balloon payment ( {$65000.00} ). 
A financial attorney informed me that if I wrote on the margin of the HAMP final agreement that I did not agree with the term, and I initialed and dated, and they approved it, it implies that they removed the balloon. It is arguable in court. He explains that I changed the agreement by writing on the margin new terms. And if the bank approved and notarized it two weeks AFTER my signature. 
Further, I obtained the originals from the bank and it includes my notes, disapproval and question on the margin. 
I need the mortgage modification cancelled, so I do not have to pay for the balloon payment AT all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an XXXX account that I used to be able to link to my PNC account for savings purposes. Sometime in the recent past PNC instuted changes that make it impossible to link my account anymore. I have lost a great convenience to my savings program due to this action. I would like them to re establish the link.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have checking account and credit card in HSBC bank USA from XXXX. 
This year ( XXXX ) I noticed there was one time annual fee XXXX $ charged on my credit card account for first time. I did not see annual fee for my credit card account for past eight years ( XXXX ~ XXXX ). I chatted with HSBC on XX/XX/XXXX and got the information I will get XXXX $ back if I close my credit card account. I closed my credit card account and three weeks after, I did not received the check then chatted with HSBC on XX/XX/XXXX again, I got the information XXXX $ will be deposited to my checking account in 2~3 business days. After 2~3 business days, I did not receive it and chat with HSBC on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, every time in chatting, I was told the fee would be deposited into my account in 2~3 business days, but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
BofA received $XXXX and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  Bank of America changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. Bank of America wants $XXXX as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and BofA is taking advantage of me. I have never had a negative mark in years and Bank of America emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.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 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi, I have two hard inquires on my credit report for two companies I did not apply credit cards for. These are the following two companies 1. XXXX XXXX 2. XXXX  I've contacted them and do not want to take them off my credit report. I had some issues in the past where I've been a victim of identity theft and it seems like they still have some of my information.

It's really affecting my credit score and my ability to get further credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened the credit card and charged items on it. I had been paying it regularly but missed a few payments due to financial hardship caused by hurricane katrina. I was speaking to a banker to let them know what was happening and I submitted a payment of the total amount due ( {$400.00} ) before the deadline they gave me ( 90 days ). However, they charged off my credit card anyway and " lost '' the {$400.00} payment. It was taken out of my bank account but never applied to my credit card balance. I tried to contact them numerous times including visiting branch offices but never could reach anyone who knew anything about my accounts. They did the same thing with a personal loan I had as well. Now I can't get anything resolved because they sold the debt and refuse to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions 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:
Credit report from  XXXX  and experian showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

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