BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: JPMORGAN CHASE & CO.
State: AZ
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:
As of early XXXX, Chase online banking no longer works under XXXX XXXX XXXX, XXXX XXXXXXXX, or XXXX. XXXX 's newer OSs - XXXX and XXXX XXXX - won't run the music production software used by recording studios. 

I need to be able to access online banking on my desktop XXXX so I can print out my credit card purchases and business account information for doing my taxes. Chase bank quit sending paper statements a few years ago - not something I requested. I prefer paper statements for doing my taxes, but they don't offer it anymore, or if they do, they don't make it clear how to restore paper statements to my 4 accounts. Plus, I'll need paper statements from XX/XX/2021 through today. 

Chase is telling me, if I want to be able to do my taxes, I need to buy a new computer that I won't be able to use for my business of music production.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : 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 2018-09-11
Company: AES/PHEAA
State: AK
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 applied for income driven repayment on XX/XX/2018. They responded and said, " We received your IDR request on XX/XX/2018. We will review your request and send a follow up email by XX/XX/2018. This email will detail next steps and any additional actions needed. '' I also applied for forbearance at the time because I could not afford to pay $ 2500+ each month. Although the person I spoke with said she could postpone the payment. They did not and since I had automatic payments they took this out of my account. 

It is now XX/XX/2018, and although I have spoken to them several time about whether this has been completed, they still have not sent me any documentation concerning the loan. They have told me on the phone what my payment will be, as well as what the interim payment is, but I still have not received anything in writing. 

I would like to have XXXX XXXX finish this process and quit dragging it out. I need documentation of what the next step is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
XX/XX/2018 I was in contact with XXXX XXXXXXXX XXXX. I did not create a new account with their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: MI
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:
There are three inquires on my credit report from XXXX XXXX XXXX that I never made or authorized. I am not sure why there is one of them, let alone three of them from the same company.

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 2019-04-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I am not certain this is the correct category ; however, here goes. I have never been late on my mortgage payments ; however, I was in a bad loan. I was approved for a Home Affordable Modification with Citi that  had a {$16000.00} deferred amount. I was advised recently the amount would balloon to {$190000.00}. On every statement to date only reflects the $ XXXX amount. I told the representative nowhere did the modification convey a $ XXXX amount and how would I know as a consumer the amount would balloon to this excessive amount? The Citi rep. stated the amount was implied and I would NOT know as a consumer. To insure I had received correct information, I have spoken with 3 different reps. and requested copies of my modification. All 3 reps. confirmed only the $ XXXX and did NOT see any other amount. All 3 documents received did NOT provide the $ XXXX amount. Your assistance is needed. This is a predatory loan. Please help me.

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 2019-04-18
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
INVESTIGATION RESULTS - DELETED The disputed item ( s ) was removed from your credit report. 
SYNERPRISE CONSULTING SERVICES # : XXXX**** XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX In response to your dispute, this item was DELETED from your credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: ProCollect, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I live in Puerto Rico and a victim of identity theft. On XX/XX/XXXX, through my XXXX  's credit report, I noticed that XXXX XXXX had been trying to collect a debt of {$780.00} ( for account # XXXX ) alleging that I used their services from XX/XX/XXXX to XX/XX/XXXX. I informed them that I had never used their services because I live in Puerto Rico and that I filed a police report with the local authorities. As requested by XXXX XXXX, I sent them all the information and evidence they asked for on XX/XX/XXXX and XX/XX/XXXX. But they did nothing. To make things worse, Procollect Inc. from Texas has been making collections efforts even though I informed them about the situation. All this situation is lowering my FICO Score in a very bad way.

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 2021-02-02
Company: JPMORGAN CHASE & CO.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XX/XX/XXXX, JPMCB - CARD SERVICE Inquiry : XX/XX/XXXX, XXXX XXXX - XXXX Inquiry : XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amount of XXXX from your credit report. 
In response to your dispute, this item was DELETED from your credit report.

CMRE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I OPENED 2 SEPARATE CHECKING ACCOUNTS ( PERSONAL ) THE SAME DAY, BOTH WERE OPENED IN A VERY SHORT PERIOD OF TIME. I HAVE ALREADY CLOSED THE FIRST ONE IN LESS THAN A MONTH, THE BANK SCREWED UP. THE ONE I AM REPORTING NOW HIT A SNAG WHEN I COULD NOT DEPOSIT A CHECK. CALLED MANY TIMES FINALLY SPOKE WITH A GUY XXXX, WHO ACTUALLY SOUNDED LIKE HE KNEW WHAT HE WAS TALKING ABOUT, WELL VERSED TO SPEAK TO CUSTOMERS. THEN THE PROBLEMS, I COULD NOT DEPOSIT A CHECK. BACK AND FORTH, BACK AND FORTH WITH THESE CALL CENTERS, CONSTANTLY REPEATING MYSELF, BEING ESCALATED, ESCALATED, ESCALATED, TALKING TO BRICK WALLS, XXXX XXXX CALL CENTER EMPLOYEES. BACK TO XXXX AGAIN, WHO ILUDED THAT IT WAS MY DEVICE. XXXX, THIS DEVICE HAS BEEN AROUND FOR AT LEAST 2 YEARS OR MORE AND THESE BANKS, BEING INTERNATIONAL, ARE EQUIPPED TO WORK WITH MANY DIFFERENT DEVICES. I DO NOT BELIEVE THIS XXXX WITH SANTANDER BANK. 
THIS IS A BLATANT STALLING TACTIC.

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 2019-03-25
Company: DISCOVER BANK
State: UT
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:
Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Fri XXXX XXXX2019 INTERNET PAYMENT - THANK YOU {$1000.00} Wed XXXX XXXX2019 RETURNED INTERNET PMT {$1000.00} Questionable Charge : Not authorized by account owner Wed XXXX XXXX2019 REPRESENTED INTERNET PAYMENT - THANK YOU {$1000.00} XXXX XXXX 2019 Why was a returned payment resubmitted without my notice or permission? I only authorized the initial/single payment.

Re : Online Payments [ # XXXX ] Please note if a payment is returned due to insufficient or uncollectable funds between {$5.00} and {$2400.00}, the payment will automatically be resubmitted once. This means the payment will be attempted two times total.

I don't care what the amount, they have NO right to dispense my funds beyond my initial request. I request the bank pay my fees incurred at the other end of the payment process. Discover Card is liable for fees incurred on the other end due to their irresponsible and unauthorized handling of my money.

Discover Card also needs to stop the practice of requisitioning account holder funds to meet their own ends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Specialized Loan Servicing might have violated federal law by giving me a monthly payment I can not afford. I am a retired senior citizen. My only income is retirement. Specialized Loan Servicing has all my financials. Specialized Loan Servicing knows my total monthly income. Specialized Loan Servicing proposed a loan modification payment. Specialized Loan Servicing proposed a monthly payment that I clearly can not pay. After I defaulted on the first payment, Specialized Loan Servicing is trying to take away my house. Please Help!

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 2019-03-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I applied for the Toyota Motor Credit Corporation Class Action Settlement that certain cultures were charged more in interest rates than non XXXX XXXX.. On XX/XX/XXXX I received a letter from the Administrator of the Toyota Class Action lawsuit that I am not eligible because I am not XXXX -- I am. I did purchase a XXXX XXXX on XXXX XXXX from XXXX XXXX in XXXX, PA. The XXXX was financed through Toyota Financial I have the documents to prove it. This is the time on or before XX/XX/XXXX and XX/XX/XXXX that the lawsuit stated the automobile had to be purchased. I am an XXXX XXXX  female. 

Respectfully, XXXX XXXX XXXX ( XXXX.XXXX.XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/XXXX I called synchrony bank and spoke to several managers and employees and finally spoke to supposedly the highest manager XXXX employee ID XXXX. I requested a copy of my XXXX billing statement but was unable to receive a copy to this day. I had misplaced the original copy mailed to me and didnt realize it would be pure XXXX to obtain another copy otherwise I would have secured it. XXXX advised they do not email fax text or any other format other than mail will send me a copy of my billing. Also the mailed copy can only be received 7-14 business days. The issue I explained I had was I was closing on a mortgage of a home purchase and needed the documents within 3 days. I was advised they can only fed ex it to me 3-5 business days as the only other alternative. I expressed how urgently I needed my own statement but no employee nor the manager cared. He spoke with attitude and could care less about my issue. I am not asking for much just my own statement and as a creditor it should be their responsibility to provide documents quickly and efficiently. I was unable to purchase the home due to lack of this documentation. I asked for an online option through their online application but they advised because I was not previously signed up for the online billing even though I signed up on XX/XX/XXXX they still would not send me a XXXX statement. I am furious and want this to be addressed. I asked for my terms and agreement where it says they will refuse sending me documents if I need them quicker and received a letter from them with terms that I read and do not include any explanation for why they can not send it electronically to me or fed ex over one day. In fact I to this day have not received a copy of my XXXX statement. This is unacceptable! I asked how I can complain from XXXX the manager and he gave me only the address XXXX XXXX XXXX XXXX XXXX Utah XXXX and I sent them a letter. He had no phone number to provide.

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 2019-03-25
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed this account several times and XXXX, XXXX and Experian refuse to remove this XXXX XXXX off my credit report. I am attaching a copy of the letter i received from XXXX XXXX stating that this account is fradulent.

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 2018-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX Bank of America accessed my Business account  XXXX a {$35.00} NSF fee for a check that the institution did not pay. I called on XX/XX/XXXX to have the fee reversed and was denied. I asked why noting that this is not a practice and have never happened before, and was told by mangt ( XXXX I.D # XXXX ) that the account was not eligible, even though they agree that this has never happened before.

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 2017-11-29
Company: AES/PHEAA
State: LA
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 apologize in advance if this complaint is out of your scope of action, but I am frustrated. I reached out to AES in regards to my sons student loan that I am a cosigner on. I explained to them via a " direct credit dispute form '' that they furnished where I explained that I take my credit very seriously and pride myself on not having any derogatory marks on my credit report and that AES has always been paid " on time '' for many years now. In XX/XX/XXXX when I was paying bills electronically as usual and on time something went wrong either on my part or with my bank but none of my transactions posted even though I had thought they had. It was n't until I received a late notice that I realized none of my bill pays posted. I immediately paid all payments that did not post thinking everything was alright and current. I asked that AES look at my payment history and/or any of our other student loans and it should be evident that this clearly was some type of glitch and I requested a " goodwill '' gesture to have the negative mark they placed on my credit report removed. I only contacted AES because none of the other three student loan companies had a problem with the XX/XX/XXXX issue. AES did respond to me stating only that it is their responsibility to report accurate information and that nothing will be done. I do n't feel based on my credit history that this was very fair on AES part and I am hopeful that you can assist in my dilemma. On my sons side he is almost XXXX and is a struggling XXXX where with so many graduates defaulting on their loans you would think a student loan company would be more understanding of graduates that are paying their debts back for XXXX. I hope you can help and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This complaint is regarding Violation of verification and reporting of auto loan from XXXX XXXX XXXX. Negative items ( auto loan ) on my credit report ( s ), where I personally contacted the creditor and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative auto loan also reports as joint account? Your assistance is greatly appreciated. 
Out 3 CRA only Equifax is the one that is reporting account of joint auto loan outdated SINCE 2015, not my account/ never had auto loand with XXXX XXXX XXXX incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: EQUIFAX, 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 have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of todays date, a total payment of {$1300.00} has been paid via my checking account. The most recent payment of {$330.00} was withdrawn from my checking account on XXXX. Mr. Cooper has been reporting that I have made payments via XXXX XXXX XXXX XXXX I have NEVER made payments via XXXX XXXX. 
The total amount of {$1300.00} has not been applied to my mortgage account. Late charges have been applied. 
Mr. Cooper continues to unapplied the amounts being paid. By not applying to my account, this appears as though I have not been making loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I got SIM hacked on Monday XX/XX/XXXX, ie Hackers took over my phone temporarily via sim transfer and my gmail permanently. After I got my phone number back from XXXX I instantly tried locking my account on Coinbase when I couldn't get in, I finally found a phone number where you can do that, even though it's just a bot. I also wrote an email to coinbase support and they only responded with a generic email about security and mentioned reinstalling the account via email ( which just had been hacked and is still compromised!?! ). 
I have not received any updates if the hackers were successful in transferring any crypto out ( I ; m afraid so ) or if they are locked out or what the actual damage is, etc. And I read in many forums like XXXX that CB often takes their sweet time to respond, up to weeks and months! How is that possible for such a big company with a huge IPO to ignore their customer safety this badly? This contributes to the bad image crypto has as enabling criminals. 

XXXX also is rather sketchy in allowing the sim swap and said they won't reveal the findings of their internal research to me, ie where was the sim swapped, in store, online, etc. There have been many reports of insider jobs at carriers like XXXX  and XXXX, and a long history of sim swap hacks that they should guard themselves and their customers better. It's way too easy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-02
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have disputed this unknown item listed several times. I do not owe this amount nor even know what this is. Please help as I am getting no where with this Harvest Associates {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-18
Company: EQUIFAX, INC.
State: WA
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 advised to contact you all regarding items that are still on my report. I'm really trying to help my mom get a car so she can help with my kids school activities. I have already reached out to the FTC and my local police about this. Please have XXXX and a Bankruptcy off my credit.

Company response to consumer: Closed with non-monetary relief