BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Have had problems with this company ever since all my loans were transferred over. Originally had some loans with XXXX and some with XXXX. Now all are with fedloan for reasons I am not sure of. 

Requested to pay additional amount. Took two months to finally go through after several phone calls. Now they just lower my monthly required amount so my additional amount to be paid really isnt much or anything additional at all. Then once I am paid ahead by atleast a full month, they take it upon themselves not to take out a payment at all the next month, and report to my credit report that the loan is in a deferment state, dropping my credit score by over 50 points. I called about this and they told me it shouldnt be in deferred and to send them a copy or screenshot of my credit report. I did not send any additional information to them. This month, that remark on my credit report has been removed and my score is now up again. All for no reason of my own. I want a payment to be taken out every month for the same amount with the additional amount I requested added in every month. Since I requested additional payment be taken out, my payments every month have been different and change constantly. Emails that I get say I owe one thing and the website shows another. I never know what is going to be taken out of my account. 
Their website does not show any details of how interest accrues or how my payments are being applied and I have no option to choose how my payments are applied, additional or otherwise. 
I have looked online and I am far from the only one with these same issues. The company seems to be manipulating my payments and amounts to charge maximum interest. To date, I have paid over 50 % interest. I have paid more interest than principal and the interest amounts change significantly each month, sometimes very little and other times nearly the entire amount is interest. Usually interest is half of my payment. I don't understand how 6.8 % turns into half on a monthly basis. Website is designed very poorly so you can't get any relevant information on loans or do anything other than see what they are going to do with you this month. So frustrating and tiring. XXXX Veteran that used the XXXX XXXX and shouldn't even have all these loans to begin with, but I am trying to pay them down and XXXX is my biggest enemy to paying off these loans. They encourage you to put off payments. Thats the easiest option to find on their website. I am over that and just want to get these paid down in a fair manner. They will have no part in it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I applied for a loan modification with Wells Fargo. On XX/XX/XXXX I was informed that Wells Fargo was not going to move forward with my loan modification. I don't understand how in the course of 4 days Wells Fargo was able to review all the documents that was submitted to them. I feel like Wells Fargo didn't give me a fair chance to review my documents, I felt like they rushed to make a decision just so they can kick me out of my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: WEICHERT FINANCIAL SERVICES
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: Account status incorrect

Complaint:
I found out because the Dept. of Education declined my request for a parent plus loan for my daughter who is going to her 4 year in college. I had some problems with mortgage payments due to treatment and Covid 19 but I have been making payments consistently for over 15 months. Weichert Financial Services and I came to a Forbearance agreement but I started making payments earlier then I expected. We then agreed on a Mitigation that required me to continue to make consistent payments and I have done that. 
Now for the first time, they are reporting me as delinquent and therefor affecting the parent plus loan with the Department of Education. 
I have called Weichert numerous times because Student Loans have asked for confirmation that my payments have been consistent, They have promised to send the information numerous times but they never do. I need my daughter to complete school because if she misses 1 semester, I fear that they would not go back or take a long time to go back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XX/XX/2018 RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX Miscellaneous and public recordXXXX XXXX, MD XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX   Miscellaneous and public recordXXXX XXXX, MD XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, 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 2021-10-25
Company: Square Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I not getting my money from Cash App mobile phone company. Somebody is hacking into my account # XXXX of XXXX XXXXXXXX. I believe that donald trump or his delegee is hacking into my account and the XXXX XXXX XXXX in XXXX XXXX maryland. Somone is hacking my money when i am putting my name on something eapecially my Cash App account. I need my funds. 
Cc : cnn Cc : cbs Cc : abc

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I just received a long notice from Chase USA/JPMorgan Chase detailing all the changes to terms that they are instituting on their credit card accounts. I have concerns. 

1. The CFPB states on their website : " Credit card companies must establish procedures to assure that their bills are mailed or delivered to you at least 21 days before the payment is due. '' Chase now states : " Your due date will be a minimum of 21 days after the close of each billing cycle '' Chase can not get their statements sent out until the billing cycle ends ; therefore, anyone receiving their statement by mail will have the time to pay their bill decreased to less than the 21 days. While I realize many people do their payments online, this change, of course, hits all the people with no computers the hardest, the people who can least afford any late fees. ( I assume that is the intention of Chase -- to make more money off those least able. ) 2. Binding Arbitration : Chase is now forcing all clients into binding Arbitration. There is a very complicated way to write to them at a specific place by a specific time including very specific information. I intend to do that, but I noticed that they kept delaying where that information was placed in the brochure, mentioning it twice, but it did not actually show up until a page later. ( Later Chase states that it will be paying all the arbitration fees -- really, whose pocket will the arbitrator be in? ) They also state that if you do not decline this, you can not be part of a class action suit. 

I realize that Donald Trump nixed the whole binding arbitration legislation that was to go into effect to protect consumers. I PROFOUNDLY OBJECT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: Experian Information Solutions Inc.
State: SC
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 requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter 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 2021-09-17
Company: EQUIFAX, 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:
MY NAME IS XXXX XXXX AND I'M SUBMITTING THIS COMPLIANT ON BEHALF OF MYSELF AND MY WIFE BECAUSE OUR MORTGAGE IS NOT REPORTING TO OUR CREDIT REPORTS. WE CONTACTED XXXX XXXX AND THEY SAID THEY REPORT EVERY MONTH SO IT MUST BE THE CREDIT BUREAUS AT FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Receivables Management Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill in the amount of {$300.00} from the following Debt Collector : Receivables Management. The medical bill belonged to my adult daughter, XXXX XXXX. The medical bill did not belong to me, nor am I a guarantor on the account. I called Receivables Management and spoke with a Customer Service rep and I explained everything to her. This unpaid bill was still innappropriately added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Re : Reply People XXXX XXXX <XXXX> XX/XX/XXXX at XXXX XXXX To XXXX-XXXX Message body From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Sent : Friday, XX/XX/XXXX XXXX XXXX Subject : Reply Thank you for your news as regards to JP MORGAN CHASE, Please I need to ask for my share holding partnership investment with your Bank for quite a long term now I need my share report certificate and dividend payout ASAP XXXX bless VA A/F XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2019-06-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX, I advised Citibank of a dispute concerning a transaction on my checking account in the amount of {$1700.00} for which I did not receive any benefit. On XX/XX/XXXX, without any prior notice whatsoever, I received an email indicating that the dispute was resolved in favor of the merchant and that the amount would be immediately debited from my checking account. This left my account overdrawn and Citibank began assessing this against my direct deposits. Moreover, I advised Citibank of my intention to file a lawsuit in small claims court to recover my funds. I was advised that Citibank would review my dispute and determine whether proper outcome was reached. I followed up with Citibank in email form on XX/XX/XXXX, and XX/XX/XXXX, and on XX/XX/XXXX, I received an email advising me that Citibank would be issuing a credit to my account for the {$1700.00} even though they believe my claim is bogus. It is unbecoming and inappropriate of a bank to make such an assertion. Moreover, I was also advised that Citibank would be closing my account shortly. This retaliation by Citibank in connection with this matter is inappropriate and actionable, and a repeat of Citibankms same, stale tactics.

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 2020-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2017 my payment did not go through when it was on auto bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: JPMORGAN CHASE & CO.
State: GA
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 customer service

Complaint:
I have tried repeatedly to establish an online account with my chase credit card, and have been unsuccessful. My account is locked, and tonight I called to unlock. The number I called to unlock said that there was a " greater than 50 minute wait. '' I called the main number, spoke to three different people was transferred four times, and remained on hold well over 30 minutes. I had to eventually hang up. I would like the credit card company to contact me so I can unlock my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to Equifax them to provide physical verification for an account that is being reported on my credit report, and for that item to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote a second letter requesting the same information, and the same deletion. As of today XX/XX/2020 I have still yet to receive any physical verification of this item belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the item should be deleted at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit. 
As FDCPA you must provide phisical proof of this debt such as : original document with my signature on it, any and all cansel check, contractual agreement that you have the right to collect this debt, etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: MI
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 VA home mortgage with XXXX XXXX that began XXXX. Sometime in XXXX my wife filed a bankruptcy that included only things that she owned alone. Our home in which we live was never a part of the loan, and XXXX XXXX   was assured that when they reached out to us after my wife filed. I am the Borrower, and my wife was the co-borrower. I did not know that XXXX XXXX   would stop reporting on my credit report or my wife 's. I was never told this, and upon them finding out about the bankruptcy, XXXX XXXX  reached out to us and we adamantly told them that our home was not part of the bankruptcy, but it was never implied, or told to us that they would no longer report our payments on our credit report. I was not a part of the bankruptcy and had no idea I would have this happen to me. My name is not on the bankruptcy file and I do not have a bankruptcy on my credit report. All of this came to light because I tried to refinance to obtain equity from my home, and found that I do not have a history of owning a home. In XX/XX/XXXX I did a refinance to adjust the interest rate from 5 % to 4.5 %. On my credit report, it established that I had the home for a year ( showing the refi ). But nothing after that. I filed a Dispute with experian and they came back removing the loan from my report altogether. I disputed through experian again and heard nothing, so I called. That is when it was explained that XXXX XXXX  told them to remove the entire loan from my credit report altogether. I contacted XXXX XXXX, and they explained it was their policy that if anyone on the loan filed bankruptcy they will no longer report to the credit bureaus. I explained I was not part of the bankruptcy and that we never stopped paying for our home, and never ever late. I was told it did not matter that was their policy and that they will not report on any payments we have made in the past or any payments we make in the future. So I own a home and pay for it timely, but I my credit report will not ever show this. They said their policy states they will no longer report any payments. I was told because my wife used the address in which we live, that it was included in the bankruptcy, but when questioned about that, ( because my home was " not '' part of the bankruptcy ) the representative stated " I never said it was part of the bankruptcy, but our policy states we will no longer report when one of the borrowers files for bankruptcy ''. I feel it is unfair that the 9 years and counting of good credit history can not be reported on 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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting inaccurate information constantly. My credit card usage is based on 1 card even though I have 3 reported with them. The accounts that are reported are delayed. I have heard they purposely do this and it really noticeable in 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 explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX  XXXX XXXX XXXX XXXX  # XXXXthe dates wereXXXX, alsomy XXXX # XXXX the dates were XXXX, and last XXXX  XXXX XXXX # XXXX the dates were XX/XX/2020 my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt XXXX 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XXXX XXXX  XXXX  # XXXX I have never done any type of business with this company please delete this account at once!

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 2018-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I had a loan on a car for 12 years. This is illegal. There was too much interest accruing.

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