BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I noticed unauthorized international charges on my checking account. I called to report said claims and the representative looked over my account and realized its been going on for months. So I filed the claim. I called back a few days later because I hadnt heard any type of response from the bank and they ended up denying my claim. I asked them why and they stated that I approved 2 of the transactions via text message. I then stated that when I received messages about fraud I responded YES to let them know it was indeed fraud, I assumed once I responded YES that they blocked the transaction and I moved along my day like normal. They then stated that I was supposed to respond with No, I did not authorize the charge. So because I misunderstood the question my claim has been denied and can not be reopened with that new information. I lost thousands of my hard earned money due to international charges and a misunderstood text message. All I want is my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Collection Bureau of America Ltd.
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 latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been trying to do IDR. I have worked for a Non Profit hospital for XXXX  years. I have asked several times what I need to do to have the loans absolved since I have worked here for that many years. Was never told about the IDR. It was my coworker who helped me last year figure out that i wast on that and needed to be. When I asked about it I got the run around with what form to fill out. Last year I had a payment of XXXX. and they said that they would start my XXXX  year write off time frame from then, even though I've been with my company so long. I recently redid my stuff showing Im still employed and my payment has gone to over {$700.00} and they haven't counted any months towards the idr to write them off. What do I need to do to get that counted towards that or is there any way of going back to my start date to have those absolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not open an account with XXXX XXXX XXXX XXXX. This is a fraudulent 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 explanation
Consumer complaint received 2018-12-07
Company: RFNA, LP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Whenever I use my debit card at atm machines at a convenience/grocery store the only information my statements and the banks app shows me is the city/state, the actual name of the store isnt listed except on XXXX stores. The majority of my withdrawals are done at store atms because I live in a rural area and these are closer than going to my bank. For example these are from my statements XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assuming the alphanumeric portion is the ATMs ID and dont understand why my bank cant tell me exactly where the atm is located or better yet list those as they list XXXX other ones on my statement including address and store name and then I would not be writing this complaint. Thank you respectfully signed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This issue began with an offer to transfer a balance at a promotional rate of 0 % APR in early XXXX. At that time I submitted a transfer request to XXXX for {$1300.00} and to XXXX for {$1100.00}. In doing so I inadvertently put the incorrect account number on the XXXX transfer request. I contacted HSBC within 24 hours of the request and was told the XXXX bank would reject the payment as no account found and the charge would be credited to back to my account. 

As of today ( XX/XX/2020, I have multiple attempts to resolve the issue with HSBC remains unresolved. XXXX still has not received the funds or posted it to my balance in the amount of {$1100.00} and the charge remains on my HSBC account. In addition HSBC completed a second unauthorized balance transfer of XXXX to XXXX without my knowledge or consent to do so. The {$150.00} was rejected as no account found by XXXX and HSBC credited back that charge so I am not concerned about this transaction ( it took about 5 weeks which seemed long but was within the timeframe I was explained. 

As of today XXXX has received the {$1300.00} and no other transfer payments, XXXX has posted {$0.00} in funds received by HSBC to my account, and the charges still remain on my HSBC charge account. 

Of the many times I spoke with HSBC I managed to have two ( of the dozens of people I spoke with ) submit an investigation into this issue. Approximately three weeks later I received a correspondence from HSBC ( two separate times ). In the corresponding letter HSBC stated they are closing the investigation as payment received by the intended party and included a copy of a check sent to XXXX ( check XXXX ) for {$1300.00}. This charge is not in dispute, I have told them several times XXXX received the XXXX and has posted it to my account. It is the charge for {$1100.00} and {$120.00} they claim was sent to XXXX that has not posted to anything. 

I have had several representatives of HSBC tell me they submit payments to XXXX electronically and once they send the funds they have no way to track the payments once submitted. They further informed me once they submit the payment they consider their job complete and if the payment is lost after leaving their custody its an unfortunate problem they can do nothing about and I am expecting to honor my commitment to them. Basically they want to to pay off a debt I received XXXX benefit from incurring. To add insult to injury when the {$120.00} payment I never authorized was rejected by XXXX they sent be a letter including a copy of a physical check they sent to XXXX stating the {$120.00} charge was removed from from my HSBC account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: NV
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:
Experian, XXXX, and XXXX are not taking my claims seriously. They are not providing any evidence of how they made their decision. If you ask them to show you how they verified the negative information on my file they will not have an acceptable answer. All I ask is that they conduct a fair investigation but they are not.

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 2023-06-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was never late. My family and i thinks its odd that Ive never held a balance at this company and also having auto pay that This company found a way to add negative marks on my credit for not paying on time. This is incorrect and has forced me to not qualify for a home the last 2 years. 


Account info Account name XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX  account. {$1.00}, 036 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1000.00} Highest balance - Terms 1 Months On record until XX/XX/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 2021-01-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, XXXX, exprin dont come up

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 2021-01-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, equifx, XXXX dont come up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Monterey Financial Services LLC
State: TX
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: Was not notified of investigation status or results

Complaint:
My contract has ended with this loan company Monterey financial services XXXX XXXX but they state that I owe them money when I don't as I explisitly asked them for any missing payments and to get caught back up in XXXX of 2023 in which they gave me an amount of XXXX which I paid and then proceeded to make my normal monthly payments now they are stating I still owe them money. They have transferred my loan several times failed to keep accurate billing of my account and asking me to provide them statements showing that I paid my bill on time after my loan being transferred back to them for my loan servicing. They are in violation of multiple federal and state laws. Furthermore, I asked them to stop contacting me and they are still contacting me. I also asked them to close this account and mark it as paid in full in which they failed to do so as required by law since my contract ended with them. Furthermore, they are posting in accurate information on my credit reports stating I had late payments with out notifying me and asking my permission to post said information on my credit reports. Also all the information they are posting is false as I have the documentation to prove it. They are in violation of US consumer law and FCRA and TDCA and continue to harrass me about this alleged debt as of today via email when I explictly asked them to not contact me anymore about this debt and mark it paid in full and pay me damages which they failed to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Sarma
State: NC
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:
On XX/XX/XXXX, Sarma contacted my mother after I put in a complaint telling them to stop contacting all family members. They told me they would cease all communication. Its a debt that has been dropped from my credit. They have called harassing my dad, my mother, my exhusband, and my exhusbands family. They also tell them that I owe them and about the debt which that is embarrassing. I was told they would stop contacting my family and ex in-laws and it is still happening. Next step Ill be contacting a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2023-06-28
Company: Experian Information Solutions 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-01-19
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the refinance process with US Bank back in XXXX of 2020. We have still not closed. Up front they promised certain fees would be waved due to my situation. They changed the response later on. I have asked for follow ups going on for 5 months. Part of the delay was because they don't understand Land Trusts verses Living Trusts. I had to hire a lawyer to explain it to them. Four weeks later, they required similar documents which the lawyer said was not applicable. I have tried to communicate with levels of management only to get the same run around. Meanwhile, I have extra fees I must pay plus 5 plus months of extra interest due to a rate that is 1.5 points higher that what I was trying to refinance against.

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 2023-06-28
Company: Experian Information Solutions 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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant XXXX. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

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 2021-01-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off a mortgage  held by Wells Fargo using the payoff  amount provided by Wells Fargo. Post mortgage closure they have posted multiple " adjustments '' to the account without explanation or substantiation and have provided conflicting documentation in writing and via their website. 

According to Wells Fargo 's own ledger they owe me a refund of {$10.00}, however the negative balance is netting to {$0.00} with no explanation. By law they have 20 days upon the payoff of the mortgage to settle the account to 0, which they have failed to do. Despite multiple attempts to get Wells Fargo to rectify their errors and explain their action they have been unable to.

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX  I received a written offer from Capitol One to open a 360Checking account and make two deposits of {$250.00} or more each within 60 days and be entitled to receive a bonus of {$350.00}. I opened the account and made my first deposit of {$250.00} on XX/XX/XXXX  followed by another deposit on XX/XX/. In XX/XX/XXXX  I called to ask about the bonus when the bank representative told me everything is perfect but the bonus will be paid 60 days after the second deposit date. On XX/XX/, sixty days after the second deposit another representative told me again all is perfect and that I will be called on XX/XX/XXXX  about it. No one called so I called on XX/XX/XXXX  when the rep told me that I don't qualify for bonus because the deposit should have come from some other recurring sources which was not mentioned before during account opening process or during the calls I made to their help desk. 
Obviously this is a fraudulent act thru which the bank managed to collect money, increase capital, increase number of accounts and number of customers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
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:
Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit 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:
Multiple transactions that were not supposed to be approved on an account that closed. Account ending in XXXX XXXX- {$51.00} on XX/XX/13 and XX/XX/13 ; I have addressed this and assigned a new account number ending in XXXX. XX/XX/13 has not been refunded. This company was supposed to be blocked and they do not have the new credit card information. 

XXXX {$14.00} - I communicated this to XXXX XXXX but they told me the charge came from the account ending in XXXX. It did not because this information is not attached to the XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.

Company response to consumer: Closed with non-monetary relief