BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: TRUIST FINANCIAL CORPORATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During Covid, our mortgage company at the time, SunTrust, allowed us to put our loan into forbearance due to hardship. They sent a letter indicating there would be no fees or penalties while in forbearance. We went into the process with approx $ XXXX left on the loan. 

At the end of the year long forbearance, we agreed to move the unpaid $ XXXX to the back of the loan and pay in a lump sum at the end of the loan. Our next mortgage statement at the end of forbearance showed we owed $ XXXX. Apparently they added the $ XXXX to the end of the loan and didn't take into consideration that it should be removed from the main balance... not just added to the end of the total as if we borrowed another $ XXXX. 

I contacted SunTrust to ask them to explain how the amount was added on as if borrowed additional funds when the initial forbearance paperwork stated that I would not incur fees or penalties. I went to the XXXX. During the entire time and every phone call, SunTrust would not give me a calculation on where they got the added on funds ( without removing them from the original balance ) and even hung up on me when I pushed for calculations.

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 2023-07-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - Chase Sapphire Preferred card was opened via online form ( applied via Chase website and was approved ) I miswrote the address and had to call to get the address changed. 

Every large purchase I make on the card, I get flagged for fraud or 'fraud protection ', even when I call the Chase customer service line before and after the purchase to confirm it is me making the purchase. 

Chase refused to verify my phone number and only calls me regarding my personal account by calling my father 's phone number. When I stated that this is a breach of my privacy as it's not my own phone number, Chase bank representative said the only way to verify my phone number is if I created a separate phone line from my father and had the bill in my name. ( They repeatedly claim they do this for security purposes- however, calling another person regarding my financial account is NOT secure. ) I have called them repeatedly, nearly daily for a week at the end of XXXX, and every single charge I make is marked for fraud. I go into a Chase bank branch and they tell me they can not help me in-person. Every time a Chase bank representative talk to me, they tell me my card is clear to use. I make a purchase and then it is immediately marked for fraud. My card is not usable. 

XXXX XX/XX/XXXX- Through daily calls with Chase bank customer service, a Chase bank representative tells me that the fraud team will review all my charges and that I can not and must not use my card until the review is clear. 

I receive no communication from Chase bank for the next month. 

XX/XX/XXXX- I call Chase bank and get transferred to the fraud team. They say another charge, made on XXXX XXXX is still under review and they will have to have the fraud team view it. My card has not been usable for a month. 

I believe with the sign on bonus of spending {$4000.00} within 3 months, Chase bank is purposely marking my account as fraud so that I can not receive this bonus. I believe they are making it difficult to use my card because the large purchases I am making ( $ XXXX ) that I repeatedly call them about to clear will make it so that I will accrue many points in a short amount of time and therefore reach this sign on bonus before they anticipated, therefore they are purposely keeping me from making purchases in hopes that I do not reach the {$4000.00} threshold to receive the sign on bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: DISCOVER BANK
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
After the hospitalization of my child for approximately three months in XXXX, my spouse lost income for that time period and our debt grew because of the trips back and forth to the hospital and care required after being discharged. The debt is mine and my only income is XXXX XXXX XXXX. The debt collector continued to call throughout the day for a period of time, but there was nothing I could do. In XX/XX/XXXX, I received a Court Complaint about owing the money. I contacted the law firm listed and could not reach anyone. I kept trying and finally spoke to someone about the debt. I was told there is nothing I can do and they could not discuss it with me. I kept calling and finally was able to speak with someone about an arrangement for the debt. They sent me an arrangement dated XX/XX/XXXX. It stated as long as I made payments as agreed no further action would be taken. I made payments monthly as agree. Now I have received a letter from them asking for Motion for Default Judgment. The notification states I have failed to answer complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, I was arrested for XXXX  XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX, FL. I was arrested at XXXX in the morning in my sleep, XXXX hours after the alleged incident. The house was full of XXXX users and stealing was a common occurrence. When I was arrested, my wallet ( containing my social security card, ID, all my bank cards / credit cards, voter registration, and some cash ) and my XXXX, along with all of my other asets / personal belongings were stolen because they were left behind at the scene. Someone there, i imagine my girlfriend at the time, helped the group gain access to my phone, giving them access to all my emails and all my online accounts. I placed a fraud alert with all 3 credit bureaus upon my release and filed identity theft XXXX and XXXX. Wouldn't you know, this personal loan for debt consolidation occurred in XXXX of that same year and was placed into a XXXX bank account with a different account number than the truist bank account i actually used/owned. Not a single payment was made on the debt consolidation account and the account immediately went delinquent. I've had no knowledge of this loan or bank accounts existence until today, XX/XX/XXXX, at which point i contacted experian to report the account as fraudulent as a result of identity theft. I have my suspicions as to the possible culprits and will be following up with XXXX to find out more information about the account the money was deposited into, to see if maybe someone opened a joint account, after i follow XXXX 's instructions to file this complaint and upload the complaint to their website alongside a copy of my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: Experian Information Solutions Inc.
State: KS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted Experian by phone and email several times. I have received a response every time but the responses arent answering my question. My question is, why doesnt Experian allow car insurance payments to qualify for their boost program? I was told, sorry unfortunately we do not allow car insurance payments to qualify for our boost program. Ive been told that maybe in the future they will start allowing car insurance payments to qualify. But my question is not being answered, its being ignored. 

I know what bills qualify for boost. Allowing luxury spending bills such as XXXX to qualify but not allowing necessary and required monthly car insurance payments/bills makes no sense to me. That is why Im asking, Why dont car insurance payments qualify? 

Thank you.

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 2023-06-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Great Lakes sold my student loans to Nelnet. I have asked Nelnet to validate my debt with a validation of debt letter that was mailed around XX/XX/23. They responded email on XX/XX/23 that they would validate the debt within 30 days threw the mail. No letter was received 30 days later and have since not validated my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Universal Payment Corporation
State: NJ
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 have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I keep getting calls from different numbers claiming to be HSBC or Household representative bank and they are trying to collect a debt from a credit card they claim I " may have had '' prior to bankruptcy. I told them my bankruptcy was settled and paid and there were no outstanding debts, they insist I owe this and the bankruptcy only paid interest and not the principal. They keep saying the woman XXXX XXXX is my contact. She keeps claiming cops are coming to my place of work to arrest me, they've even called my husband. the most recent number is XXXX and they will NOT mail me anything that I ask for,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-06-03
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 is missing that should be on the report

Complaint:
I have a XXXX XXXX account with over 10 thousand dollars in available credit and over 20 years old is not showing up on my Equifax credit report. It's showing up on XXXX XXXX and XXXX but not Equifax, there is about a XXXX point difference in my Fico as XXXX and XXXX XXXX are only XXXX points apart but Equifax is also almost XXXX points less than XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Balance : {$0.00} 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

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 2023-04-11
Company: EQUIFAX, INC.
State: OH
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 have attempted to handle this with Equifax several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. 1. XXXX XXXX  # XXXX 2. XXXX XXXX  # XXXX 3. XXXX # XXXX 4. XXXX # XXXX 5. XXXX # XXXX 6. XXXX  # XXXX 7. XXXX  # XXXX 8. XXXX XXXX # XXXX 9. XXXX XXXX  # XXXX 10. XXXX XXXX  # XXXX 11. XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was added to my sister 's bank account last year. I provided my social security number and proof of residence. 

I received a letter on XX/XX/XXXX that stated that I had to complete a Banking relationship questionnaire before XX/XX/XXXX to avoid closing of the account. The letter stated that the preferred method to complete this questionnaire was online ( by creating an account ), I could also call the XXXX XXXX branch at XXXX OR go to the nearest location in person. 

I am living in South Carolina temporarily, so I tried enrolling for online services but the system did not recognize my information. on XX/XX/XXXX, I called the local branch, I explained I needed to speak with someone in XXXX  to complete the questionnaire and they told me to wait for the teller. I waited 20 minutes and hang up because no one was answering. I called back and they told me I had to go in person- I explained the letter listed that I could complete the questionnaire by phone. They asked me to call the customer service number. I called the customer service number but then customer service told me to " demand '' an interpreter and that they could not help me answer the questionnaire. I called the branch back and now, no one picked up. 

I called another branch and the representative told me that she did not speak XXXX but even if she did, the questionnaire had to be answered in person or online! - I explained that there was no branch in South Carolina and she said to do it online- after I explained that my account would not be recognized, she asked if I was a permanent resident which I said no. She said- Ah it is because your social security number is not in our records because the bank does not add the social for non-residents. I explained that when I opened the account I provided my social. She said there is nothing she can do and that I would somehow need to find a branch or my account would be closed.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We are a small business that regularly makes check payments in large sums via Chase 's Bill Pay feature. 

We have a Bill Pay thats been stuck as pending review since XX/XX/XXXX for {$30000.00} that was supposed to have been sent on XX/XX/2022. 

We never got a text or call from Chase about there being an issue, and only discovered that it was in " pending review '' status a couple of weeks after it was supposed to have been sent. 

We have since spoken with various departments at Chase for at least 4 times, for multiple calls lasting 2 hours or more in aggregate. 

In short, various Chase departments claim they can not approve nor cancel the transaction, which means we can't even get our money back. What's worse, they continuously transfer our attempts to call back and forth between departments that tell us they can't do anything, but to try the other department. Meanwhile, we have no way of accessing our funds, and our recipient has not received their payment for approximately 3 weeks by this point. 
At this point, we've spoken with the Chase Fraud Prevention Department, the Electronic Money Movement Department, the Claims Online Department, regular customer service, the Secure Message feature when logged into, all of whom claim they can't do anything, and to speak to one of the aforementioned departments who will then say the same thing. At this point, it's clear they either have a serious glitch in their system with no way to resolve this, or they are intentionally keeping a significant sum from us with no recourse for us to retrieve our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: U.S. BANCORP
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:
Elan Financial Services, I have contacted them directly spoke with XXXX XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX XXXX XXXX. I have disputed this many times as well as to credit bureau. XXXX XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with XXXX XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXXXXXX XXXX XXXX XXXX - I have no clue what this account is and it was written off as bad debt. I have tried to contact the XXXX number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. Judge ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the XXXX number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my 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