BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: Mid-America Accounts Control Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received any statement regarding a collection account. There was never any communication from the collection agency notifying me that they were placing an account for collection, or about my right to dispute the validity of the debt. It was discovered when I found it on my credit report XX/XX/XXXX. I did not recognize this account so a Request for validation was sent. The company did not respond. A credit reporting agency confirmed to me today that collection agency contacted them with validation on XX/XX/XXXX but has still not sent me anything and credit reporting agency never notified me. I have had zero communication from this company although I have contacted them for validation, and they have failed to validate that this debt is actually owed by me. The status of this account is still in dispute and " reinvestigation in process ''. This has been in investigation since XX/XX/XXXX. Furthermore, the collection agency is reporting the same account twice on my credit report. The only difference is one says " reinvestigation in process '' and one has a XXXX added between XXXX numbers on the account number.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
I purchased a property in XXXX in 2007, 100 % - HELOC for around XXXX and a mortgage for $ XXXX, my property is under water by $ XXXX. Now I am paying more for my HELOC and no one seems to explain me why. I requested the amortization schedule and they denied me that information. I went to lawyers couple of times, they mentioned to me this is a bad loan. I want an audit on my loan, I did not qualify for XXXX. They took $ XXXX from my HELOC years ago. What I am supposed to do with the undervalue amount, loose my property in XXXX or 20 years? I called New York Chase XXXX many times and their answer was it was my problem not their problem, you need to figure that out. I am sure they did not write that in their system of records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NV
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 attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
They did not accurately verify that my XXXX account was in fact closed. I have disputed twice and they still have not updated the information and removed it from my report. They are inaccurately reporting repossession on my XXXX account even with payment history documents attached.

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 2021-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 with product or service terms changing

Complaint:
Beginning from XX/XX/2020 when I made a free account with TransUnion, it appears that they sneaked in a monthly subscription service under the guise of their free credit check. I haven't received a receipt since the initial one on XX/XX/2020 and had no idea that I was receiving this charge until today. I went ahead and cancelled the subscription but I'm shocked that they advertised a free service and then sneaked in a subscription.

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 2015-08-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage is reporting loan as Adverse on my credit bureau. I have been current for 7 years and I submitted a dispute with the credit bureau and Chase did not do change my loan to a positive status affecting my credit score. They have not updated my credit report since XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Initially I had applied for jumbo loan and Chase issued me GFE. Later they changed my loan type to conventional but not issue me GFE until the closing table. 

Chase thinks they shared GFE with me but I never saw the GFE numbers till closing table. 

Per XXXX/, Chase is required to issue GFE within three days of application. Else they can not charge any closing costs. But they charged bunch of closing cost items. 

Hence I need all closing costs refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Investigation took more than 30 days

Complaint:
I have recently requested XXXX, XXXX, AND XXXX to investigate a few accounts reporting on my consumer file, The investigation took welll over 30 days and I have not been notified of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortage with Bank of America the last week of XXXX, after speaking with XXXX XXXX XXXX XXXX XXXX. After applying she told me she would get back with me the next week and if she didn't, to leave her a voicemail. I left her a voicemail, the next week, and she never returned my call. XX/XX/2021 I made a formal complaint to Bank of America because they ran my credit, without giving me a determination. To this date, since XXXX, I have not received a determination from bank of america and I am qualified. I was even reassigned to another employee named XXXX, and she spoke with me once on XX/XX/2021 and she has never moved my application forward. No manager has reached out to me. XXXX XXXX XXXX stated that I am the only customer having this experience. 

I believe I was discriminated against because I am an XXXX XXXX XXXX first time homebuyer. XXXX XXXX XXXX stated that I am the only customer experiencing this. I am a qualified homebuyer who has been a XXXX XXXX for over 8 years, there is no reason why I have not been given a determination since XXXX. I even provided all the needed documentation.

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 2021-03-09
Company: Experian Information Solutions Inc.
State: NV
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 attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT

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 2015-12-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Chase card advertised sign up bonus of flyer miles/points. I qualified and the online account shows the rewards as 'earned '. My airline flyer account and airline customer service say the points have not been credited. I have been desperately calling/emailing both Chase and the airline to resolve this issue for more than a month to no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Original loan was from 2004. I got a loan from XXXX for around XXXX an some change. The total payments was around XXXX over 15 years, for XXXX loan. So fast forward 15 years, actually 16 years and 11 months. According to One Main, the third company to own my note since 2004, tells me that I missed 14 payments, which is XXXX in payments, but have been paying on this account for an extra 23 months, which is XXXX. So I really don't understand the math system they are using, but I believe I overpaid XXXX. They are telling me I owe for Deferred Interest, which was never disclosed to me at anytime they was " helping me '' when I was having a financial problems. One Main will not close the account, reporting negative credit on my credit report. Now I have recently proved how they process payments, in which makes cense why I showing 14 payments pastdue. I made two payments in XXXX, for XXXX and XXXX. Two different transactions. Shows on my credit 30 day pastdue in XXXX and no payment made for XXXX. After this, I refuse to make any more payments on this leech account. My contract was XXXX, not One Main.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Have been trying to close a credit card account with Citi ... they said the account was closed but refused to provide confirmation that the account has been closed. I am still receiving e-mail and postal mail correspondences on the closed account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONTINENTAL CREDIT CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I went into a wells fargo bank branch on Friday XXXX/XXXX/16 to open another savings account. I was told there was something stopping me from doing that. After many hours of in person and phone contacts I was told that there was something stopping them from opening the account, perhaps a life lock freeze or credit bureau freeze and I needed to contact XXXX and XXXX which I did. They all said the same thing that I had a 7 year warning due to prior identity theft and I should be contacted at the correct phone number to ensure that it was me asking for credit or opening an account. I have had no luck getting wells fargo to understand this and am extremely frustrated. They seem to keep blaming me for putting a freeze on my finances that I have not done and seem incapable of fixing the problem. Ironic given that they are in so much trouble for opening accounts without peoples permission that they wo n't open the account for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.

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 2021-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I was charged {$3.00} by XXXX on my Capital One Quicksilver credit card ending in XXXX. Unfortunately, there was a glitch in the Capital One app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by 70 points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called Capital One to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired.

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life.

I'd really appreciate your help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Dear sirs, I had a XXXX one and half years ago and could not work my job for over six months. My wife and I have a company at XXXX XXXX that made a great living for us especially with the XXXX who were the most popular buyers until their dollar devalued and visits diminished. Our business is seasonal and when heated summer months arrived we lost income and things started to go downward. I tried the loan modification system with Wells Fargo but they constantly asked for fax duplicates for the loan for a period of over 4 to 5 months but in the end they said I did not meet proper qualifications and did not produce documents requested in a timely manor.

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 2021-10-11
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:
15 U.S. Code 1692 consumer im not obligated to pay any debt. 

The FDCPA only applies to third-party debt collectors, such as those who work for a debt collection agency. Credit card debt, medical bills, student loans, mortgages, and other kinds of household debt are covered by the law. 


XXXX XXXX Account number - XXXX Amount - XXXX date opened- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number - XXXX Amount - XXXX date opened -XXXX  XXXX XXXX  XXXX XXXX  XXXX Account number - XXXX Amount - XXXX date opened - XXXX XXXX XXXX XXXX XXXX  Account number XXXX Amount XXXX date opened 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 2021-10-11
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed the credit card expenditure I made for XXXX XXXX XXXX run by XXXX real estate ( Property Payment Rent on the credit card statement ) in XXXX due to the promise they could not keep about the service I should have gotten. And, the company and I solved the dispute on XX/XX/2021. They refunded me {$300.00} and I had the bank release the payment of {$300.00} to them. We got even. 

I have gotten a call and letter later on from National Credit Systems ( a debt collector agency ) claiming that I have a {$300.00} debt to them. I have told them that I have already paid the debt to the company and I do not owe anything. 

I have also mailed them the letter I got from my bank about the resolution of the dispute and the automatic payment made to the company afterward. 

I kindly request your help to resolve this matter by canceling the debt I allegedly owed to the debt collector agency and have them revise its record. I have also requested the repair it has caused to my credit score. 

Thank you.

Company response to consumer: Closed with explanation