BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-16
Company: CITIBANK, N.A.
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-06-16
Company: LoanCare, LLC
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2019-10-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery Services is a debt buyer. I tried explaining that the amount owed to the original creditor is incorrect, but they continued to call repeatedly. Due to the repeated phone calls, I requested that the phone calls cease on Friday, XX/XX/2019, and to contact me in writing. The phone calls persist, and I when I answer the phone, the representative hangs up. Further, I have yet to receive anything in writing regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: DISCOVER BANK
State: NY
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:
Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XXXX XXXX, 2020.

Due to Covid-19 forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have late payments on my report, I want removed because I am a victim of Covid-19 and legally should not have them there.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally you should not have them there.

Please remove late payments/change to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
To Whom it may concern on XX/XX/2016 I made a police report and FTC Affidavit and some documents supporting my claim explaining the Identity Theft that occurred on my credit report. All companies followed the law and removed the Fraudulent accounts from my credit report except Grant Mercantile Collection Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a checking account with hunington two months ago on XXXX/XXXX/XXXX i got a alert on my phone stating XXXX was withdrawn I called hunington they stated I had a offset with them from XXXX from a old checking account I stated I did not recall this and how was a able to open a new account if i owed them money they could n't answer my question. My pay was deposited on XXXX/XXXX/XXXX and my sons ssi beneft was deposited on the XXXX/XXXX/XXXX they stated that i would get his ssi back to send proof so i emailed XXXX with proof and she stated spoke with manager and since my check was deposited and his they cant tell which money it came from so no refund??? My account was never froze or i did n't get any notification of this. I do n't understand how they can do this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Personal information incorrect

Complaint:
I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my report.

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 2017-03-19
Company: Southwest Credit Systems, L.P.
State: PA
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:
Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I hold a lease with Chrysler Capital ( Santander Consumer USA ), which began XX/XX/XXXX. At the time, I opted to have auto withdrawal payments from my XXXX checking account, as a matter of convenience and guaranteeing timely payments. XX/XX/XXXX, I received an alert from my credit monitoring agency that I had a negative alert from Chrysler Capital, stating that I was 30 days past due on a payment. After doing my due diligence, I confirmed nothing had changed with my XXXX account, sufficient funds were readily available, and Chrysler Capital never attempted to withdrawal the XX/XX/XXXX payment of {$420.00} from my account. 
After contacting Chrysler Capital numerous times and being transferred to multiple departments, I received the worst customer service and treatment. I was told it was not their problem, and while they could confirm I did not cancel my auto withdrawal they said " its possible just by logging into your online Chrysler account you cancelled it '' ( I logged in as soon as I saw the negative judgement on my credit report, and my Chrysler account itself said and still says im set up on auto withdrawal ). Chrysler said they will not take back the negative judgement on my credit report ( my credit score and report have been without any flaws or judgements my entire life ). Now My credit score has this mark, plus has dropped XXXX points as a result. I confirmed through my original lease, CC 's Ts and Cs and their own website that the only way to cancel your auto withdrawal is to send a written confirmation to them, which I never did. I did not want the auto withdrawal to stop ... this was an error on their end that they are penalizing me for. 

I need help, and cant get it from them ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was raised approx {$900.00} and {$400.00} has been unaccounted for for 12 months. When contacted bank they said it was for escrow account but after an investigation I found that I was being charged twice for insurance. Bank corrected mortgage due bit has not offered refund for {$4800.00}.

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 2021-06-16
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:
The credit bureaus have furnished and reported an inaccurate account on my credit report by XXXX. I have sent multiple letters regarding the violations on my report keeping me from obtaining more credit and ruining my reputation. The account is a FDCPA section 807 violation misleading false reporting the last payment date, the balance, the reporting date, last active and date opened are all incorrect and not the same.

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 2015-07-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I listed an item on XXXX and was contacted by a buyer who wanted to send me a check for payment. I agreed and he sent me a check written from XXXX XXXX, a XXXX XXXX. Routing number and account number showed funds available so JPMorgan/CHASE Bank cleared the check overnight, the XXXX of XXXX. The check was for significantly more than the item listed and I was directed to send the excess funds to a person in North Carolina. Then, on XXXX, XXXX XXXX, CHASE informs me that the check was fictitious and states my account is now overdrawn by the amount of the check. CHASE should not of cleared the check so quickly and should be responsible for replacing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have reached out to chase and have spoken with several representatives regarding the removal of fraudulent charges not being credited back to the account as well as other fraudulent charges. When I removed the unauthorized user from the account on or before XXXX/XXXX/XXXX. I was contacted by XXXX representatives by the names of XXXX and then XXXX. only to be accused of having knowledge of the unauthorized charges. Chase has refused to credit me back any and all monies regarding to the fraudulent use on the account nor update the balance to reflect that the charges have been removed. I have been trying to get chase to right their wrong for years and they have taken no interest nor action to do so. Why should I be held reliable for the fraudulent charges when I did n't make them. You did not address the following as I previously requested : Here are the additional fraudulent items that were charged after XXXX/XXXX/XXXX which were never addressed : 1 ) XXXX in XXXX Ohio on XX/XX/XXXX and XXXX/XXXX/XXXX the one on XX/XX/XXXX was credited back but not the other. 2 ) there are XXXX charges for {$7.00} for the fraud detector on XX/XX/XXXX and XXXX/XXXX/XXXX can you tell me why i was charged twice in the same month 3 ) XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, I cant recall this charge as well 4 ) the over the limit fee 's that XXXX incurred after XXXX/XXXX/XXXX due to the fraudulent charges. If you can address these as well I 'd greatly appreciate it.If you need to speak to me please contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
Chase card services is committing fraud by reporting my date of last payment as XX/XX/XXXX According to chase I paid these accounts with XXXX account ending in XXXX According to XXXX XXXX XXXX XXXX ending in XXXX was closed in XXXX so ther is no way i can pay from this account the date of last payment is XX/XX/XXXX so the credit cards listing should be removed from credit reports as it is too old after XX/XX/XXXX Chase is committing fraud by changing date of last payment so account listing remains and I am kept hostage for life Pls help Documents are attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company says they can not serve me now because I filed a complaint with your office and until the discrimination complaint is resolved they will not be able to serve me. I feel this is retaliation for filing a complaint. I should not be denied services at the branch because I am XXXX and made a complaint to your agency. I recorded XXXX XXXX at 5th 3rd bank branch in XXXX telling me due to the complaint he could not serve me. This is wrong. The bank also now refuses to provide me a copy of my mortgage note. My copy burned with my house. I will keep the recording of XXXX as it contains medical info that I do not want public. If needed I can provide in camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I requested my mortgage payoff amount on XXXX/XXXX/XXXX and was told that I should receive payoff amount in 3-5 days. I called again on XXXX/XXXX/XXXX and was told that the payoff quote has not been generated and that a request was put in on XXXX/XXXX/XXXX. I called the bank again on XXXX XXXX, XXXX. They told me that my payoff quote was mailed out on XXXX XXXX, XXXX, and I should receive payoff quote on XXXX XXXX or XXXX XXXX. As of today 's date, XXXX XXXX, XXXX, it has not been received. I asked for payoff quote to be verbally given over the phone and was denied the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX College XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX The school is a fraud, the program I attended was a scam XXXX XXXX XXXX, I was promised a XXXX XXXX XXXX degree, in which I can not even use because the school is not accredited. Now I am required to pay this bogus loan back. This is absolutely absurd please assist me with exposing how this school scammed the US Department of Education Loans for students to take out money to help them with a degree and right after this school is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We applied for a mortgage with the XXXX Branch of Chase Bank in XXXX for the purchase of a property on XXXX, a cooperative building. We were issued a good faith estimate on XXXX XXXX and a lock-in agreement. We were issued a mortgage commitment letter on XXXX XXXX ( attachment XXXX ). At this point, we withdrew our application with a competing lender because we thought the commitment Chase was binding. The Chase commitment letter had conditions -- requests for more documentation. We responded to the conditions ( see attachments XXXX ) and received assurances from the mortgage banker that we had met the conditions. Despite making every effort to satisfy the conditions of the letter -- and satisfying those conditions as far we can tell -- Chase reneged on its mortgage commitment on XXXX XXXX, five days prior to the scheduled closing ( XXXX XXXX ). Nor has Chase has responded for our repeated request for an explanation in writing for its decision ( attachments XXXX, XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My wife received a letter dated XXXX XXXX, 2016 from " XXXX '' at Chase Bank USA, N.A., XXXX XXXX XXXX, XXXX thanking her for her alleged application for an AMAZON.COM Visa Signature card and requesting " more information. '' She had not applied for such a card ( or any other card at this time ) from Chase or Amazon and, indeed, had not contacted Chase for any reason. Two days later, she received a letter dated XXXX XXXX, 2016 stating that the sender had reviewed her " application and credit report and are unable to approve your request at this time for the following reason : Obligations too high relative to income. ] '' For further information on the basis for Chase 's rejection of the application we never made, the second letter referred my wife to XXXX. We are concerned that Chase, or someone purporting to be Chase, is trying to snare credit card business through the use of false and misleading correspondence, and that in furtherance of that scheme has sent a credit inquiry about my wife to a credit reporting company, thereby potentially damaging her credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This complaint comes forth as I have reached out to Transunion as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.

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 2016-09-02
Company: Sunset Management, Inc
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I accidentally transferred money to the wrong account for my rent payment in the amount of {$1200.00}. Once my property management company informed me that they had not received I contacted the bank to dispute and was told that there was no error and my request was denied. The account was from XXXX to a private owner I rented from and have sense moved in XXXX of XXXX. The transfer was made on XX/XX/XXXX and was another USAA account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I wish to reopen Case number : XXXX because the response by Chase was not adequate or acceptable to address the issues. Chase went into my husband 's XXXX credit report on XXXX/XXXX/2016, which was before they sent us the original refinancing documents. Then he could not access his report by XXXX during the mortgage application process to correct any problems. The original terms of the contract they sent was 3.125 % on a loan of {$350000.00} and a cash from borrower of {$7100.00}. They knew what his credit score was and lured us into trying to refinance with them. Then they pulled a bait and switch. We deserve the original terms of the documents that were sent to us. Chase does not respect its long-standing customers and dupes its clients into accepting terms that are a " bait and switch '' tactic, which should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: JPMORGAN CHASE & CO.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Purchased a truck from XXXX XXXX in XXXX NC on XXXX. I awaited payoff of another car for 3 weeks, and continued to make payments to that vehicle so not to damage my credit. Only after many contact attempts I spoke to the fiance manager whom had the payoff sent. I waited for the registration for the transfer of tags for almost a month, and made another series of calls till i was able to speak to the manager again, on that day according to the registration they completed the paperwork to transfer the plate. It has also come to my attention that the title work was either done wrong, or not at all. This is a clear violation of XXXX. Perfection by indication of security interest on certificate of title.

Company response to consumer: Closed with explanation