BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was a XXXX  XXXX  and went on job training. Then my boss tell me to stay home and other team from work told me not to pay me. Later one, I have to face bill which I can not and face another stress with job search. Then I have to face closing down with no reason. It was happen with chase account. Same happen to my other personal account because fraud with someone access online or did something over my account. I got bill from XXXX  and try find a job. A job reduce my hour and determination. I got kick out the home. My bank chase has to force to face down. I can not have job which pay more. Chase bank force me saying i can not being customer with them. A fraud team again me without listing all complain. My network got hacked as well too. The report I had and rejected. It was so weried. My home got fraud and bank as well. I hear someone tired to close down my chase bank. I tired to run away from home. My home got fraud by someone walk in to home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-19
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was in XX/XX/XXXXand almost {$3500.00} was take and charged to my card. I sent in all of the information and proof that is was not me and that my card was stolen and that I was in the XXXX XXXXXX/XX/XXXXand they refused to give me my money back. I have tried everything but driving from XXXX XXXX Texas up to XXXX Texas where the NetSpend corporation is located. They still have not sent me my new debit card in the mail and my next Check department of veterans affairs check will be deposited on the XXXX of this month and I will have to transfer my money to the card I had to go out and buy because is was the only early I could have access to my money and not all of it at that because you are only able to transfer so much in a week and I have 2 checks from the government that go to that account. You would think that after being a customer for 17 years that the would want to take care of a loyal customer but nope they won't even let me talk to the fraud department of anyone higher than the customer service department. I just want my money back I was XX/XX/XXXX for over a month because of this and I had to XX/XX/XXXX and XX/XX/XXXX and that is no way for a combat veteran to live. All I'm asking for is my money that was stolen from me and was reported as soon as I got out of jail back to me because you can look for yourself on the XXXX XXXX Texas website that I was XX/XX/XXXXduring the time the charges were made. I would appreciate your help in this matter. Be The charges in question go from XXXX to XX/XX/XXXX. Please help with what you can as I'm loosing everything due to the loss of this money. Like I said I lost My house I lost my Truck I lost my wife and I lost my children all due to NetSpend not giving me my money back. I'm still trying to recover and I'm having to live with my granddaughter because I lost everything else and it is very embarrassing and degrading to be a XXXX year old man having to live with your Granddaughter. I also have screen shots of my mobile app showing the charges and all they would have to do is look at the video footage a d they would've seen clearly that the charges were not made by me. You will have to look my account up by my SSN because thay have not sent me a new card and I ordered a new XXXX when I made the report the day I got out ofXX/XX/XXXX. My XXXX is XXXX and I have to accounts here is the account number if it will help. The account number is XXXX. I have been a customer since XX/XX/XXXX and this is not how you treat a loyal customer or a combat veteran in any way shape or form!!! Please help. I can be be reached on any of my contacts below. 
Thank you 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 2023-11-27
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan was paid off in XX/XX/XXXX. No updates to my reports have been made since XX/XX/XXXX. Submitted an online dispute with XXXX  which was completed on XX/XX/XXXX with no update to the loan balance and also it shows no payments made on the account. I submitted a request to the loan provider ( Mohela ) to update the balance with the credit bureaus which they claim to address requests within 3 days. It has now been 2 weeks and they have done nothing. Now this is affecting me as I will be getting a new car loan soon and my score is not reflecting my credit worthiness accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX # XXXX is reporting an account to my credit that should no longer be on there. This is past the Statute of Limitations in California and I no longer owe this debt, I also had a class action lawsuit against XXXX XXXX XXXX XXXX and they should not be reporting an account to my credit report any longer. I would like this removed off of my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: CITIBANK, N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2020 I sent a wire transfer for {$5000.00} plus {$35.00} fee to XXXX XXXX to My sister in Law. The money never got there. I called several times, and every time they said that the bank in XXXX XXXX, XXXX XXXX, didn't recognized the account. I verified every time with my sister in Law and the account number, bank number and company was right. 
You can read the letter that I sent to Citibank to Puerto Rico and one to XXXX XXXX, Texas. 
The problem is that after two months and a half, they refund me the money, but not completely, I sent {$5000.00} plus the {$35.00} fee. I want that money back. They only refund me $ {$4700.00}. They still owe me {$240.00}. One time they said they have to buy the money back. How in the world they have to buy the money back if the money never was delivered. If they sent {$5000.00} and nobody received it. The XXXX XXXX  in XXXX XXXX never accepted. Somebody wants to keep {$240.00} for themselves. 
I'm not paying for their mistakes. Please, help me out to get my {$240.00} back. That's includes the {$35.00} transfer fee. They never made the transfer. Enclosed are the letters I sent to Citibank with all the information and a copy of the transfer. I also sending this complaint to 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 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My mother passed away on XX/XX/XXXX. I first went into the XXXX branch of Bank of America on XX/XX/XXXX but they would not see me without an appointment, so I made an appointment for XX/XX/XXXX. On XX/XX/XXXX they called to confirm the appointment, I spoke to the rep and she gave me a list of what to bring - ID, copy of the death cert, surogates letter, etc. - and I had all of this. I went to the appointment on XX/XX/XXXX - sat and waited 30 min for the rep - then she asked me to wait again while she helped a 2nd person, so total wait almost 45 min ( note this was during my 1 hour lunch ) and then when I was being seen, she first started doing the wrong thing, then once I corrected her - she told me she needed a original of the death cert so she could scan it to them - I had a scanned copy - that would have worked fine ( this was confirmed by 2 other BOA people ). So she stopped the process and told me I had to come back. I made anther appointment - but suddenly that branch was closed so my appointment got bumped to XXXX XXXX 30 min from my house ) and I went there on XXXX as that was their next availability. Got there to meet with " XXXX '' but his computer was down so he could not help me ( he also was the ONLY ML rep at that branch - part of my need was ML ) but XXXX told me she could help - but she had someone in front of me - again waited about 20 min - then XXXX started the process and scanned over the docs required. But told me she cant approve the process- XXXX in Corp had to approve it, and she cant help me with ML. She told me she would watch the approval and call me back when I could come in to close the account ( this was XXXX it is XXXX and no call back ) - I went away for a few days and let things wait as I was out of town - no calls - no email, no anything from XXXX. On XXXX I tracked down " XXXX '' ( XXXX ) and spoke to him. He told me he would reach out to XXXX and finish with her and she would be in touch shortly. 24 hours later nothing still. He also told me the ML account could be closed and to send him a form with wire instructions so he could wire - 24 hours later nothing as well. This morning I sent a follow up email to him - no response. Reached out to estate services - no response.

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 2021-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I called Portfolio Recovery and asked to settle the debt for {$250.00} the woman was not willing to allow me to pay by check or send me a pay for deletion letter. She insisted I pay the same day and they would consider this debt settled for {$250.00}. They kept telling me the entire call is recorded so there is a way to get those recordings. They told me I settled it for XXXX but on the credit they only decreased the amount they are still telling me I owe money. They lied to me and did not remove this debt that I settled with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have XXXX federal loans serviced through Mohela, all eligible and being counted for XXXX. XXXX of my loans ( Loan # 's XXXX and XXXX ) have already met qualifying criteria for forgiveness. I have been waiting on Mohela to process the paperwork for my employment certification ( submitted on XX/XX/23 ). Hence I have been charged for these loans in XXXX, XXXX and it appears again in XXXX even though I should have XXXX qualifying payments. 

To make matters worse, Mohela strangely put my remaining loans in forebearance, meaning I am not getting any credit for payment on these AND am being charged interest. I have called at least XXXX times to get this corrected with each representative giving me different and conflicting information. I have asked to speak to a supervisor and no one will let me. I have sent emails on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 with no response. So Mohela is charging me on loans that should be closed and disallowing me from paying loans that I need to pay to meet my XXXX qualifying payment count, and charging me interest. It feels like this company is intentionally stealing from it's consumers. I've raised this issue with my congresspersons and am advancing it here for hopeful resolution. 

Mohela has acted with complete disregard every time I've called to try and gain resolution and I refuse to continue to be taken advantage of like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: AZ
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 and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX XXXX original creditor XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I paid this account in full directly to XXXX XXXX XXXX XXXX. This account should never had gone to collections in the first place and it should be reporting a {$0.00} balance. XXXX is reporting correctly. This incorrect reporting of a collection/charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2019-02-09
Company: EQUIFAX, INC.
State: WA
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:
*** PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! XXXX   XXXX XXXX & XXXX, XXXX XXXX XXXX. XXXX/XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites ! but both show different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Bank Dear XXXX XXXX, I hope this message finds you in good health and high spirits. I am writing to you as a previously valued customer of XXXX XXXX XXXX, seeking a fair resolution to a critical matter that has been ongoing despite my previous attempts to address it. 

As a loyal patron of your company for 8 months, I have always held your services in high regard. Unfortunately, I find myself in a situation where my credit report continues to inaccurately reflect my financial history with your company. 

I have previously made attempts to rectify these inaccuracies through a goodwill request, but regrettably, I was met with a denial. I understand that such requests are discretionary, and I respect your company 's policies. However, I believe that a fair resolution is crucial in this situation. 

The discrepancies in my credit report pertain to late payments and a charge off that was paid in full in XXXX. Despite my diligent efforts to meet my financial obligations, these inaccuracies persist, and they are having a detrimental impact on my creditworthiness. 

I kindly request that XXXX XXXX XXXX reevaluate my situation and reconsider the goodwill request. Furthermore, I ask that a thorough investigation be conducted to rectify the inaccurate reporting of both the late payments and the charge off as it reflects XX/XX/XXXX at minimum. It is imperative that my credit report accurately reflects my financial history. 

I trust that XXXX XXXX XXXX values fairness and transparency, and I am confident that a fair resolution can be reached. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Bank of America Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX continues to report my loan account as delinquent. As a result, my credit score continues to decline. There was an internal autopay issue on the account in XXXX that we were not informed about via mail. Once we seen the delinquency on my account, we immediately paid and called XXXX to confirm in on XX/XX/2022. We even paid the amount up until XXXX. Here are the XXXX confirmation numbers XXXX ( to confirm the status ) and XXXX ( to correct the failed autopay ). Each day after, XXXX continued to report the account as delinquent and my credit score dropped over XXXX points from this discrepancy.

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