BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: BARCLAYS BANK DELAWARE
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:
I sent a letter dated XX/XX/18 to Barclaycard disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from Barclaycard that was not dated and stated that the requested statement reprints were enclosed. In my letter I never requested statement reprints. After I received the letter from Barclaycard, I pulled my credit report from XXXX  dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I sent another letter dated XX/XX/18 to Barclaycard detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received a letter from Barclaycard dated XX/XX/18 stating they had completed their investigation and had sent validation on XX/XX/18. I have no letter in my possession from Barclaycard dated XX/XX/18. I pulled my XXXX report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account and all three credit bureaus reported the late payments were valid, yet my account was not marked in dispute. Please see attachments for all correspondence.

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 2018-10-31
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
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:
As per CFPB # XXXX - This is the REQUESTED UPDATED information XXXX is listing a number of student loans under the same Account #. XXXX, with an open date as of XX/XX/XXXX BY by Navient Solutions , Inc, <br/> XXXX is listing a number of student loans under the same Account # XXXX with open dates as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX <br/> ALL OF THE above accounts are " incomplete '' without BALANCES, CREDIT LIMITS and with " UNKNOWN STATUSES '' <br/> I suspect that they are duplicates that need to be DELETED or UPDATED with Balances, Credit Limits, and Current Status. It is unacceptable for a Credit Reporting Agency ( CRA Furnisher ) to have as a " status '' UNKNOWN when it is their duty to have one. 

XXXX is listing a student loan under Account # XXXX with an open date of XX/XX/XXXX BY XXXX/NAVIENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: TX
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 have been trying to resolve the issue of late payment on this account for month ( XXXX XXXX  {$61000.00} Account number XXXX ). The report on Equifax shows us being late for 2 months ; the report on XXXX show us as being late for 2 months and XXXX show us as being late for 3 months ). I am have never been late on any mortgage payment. As you can see all 3 bureaus reporting are not accurate therefore the bureaus have violated my right under FCRA. I have for many months asked for a full validation or remove these inaccuracies. All I get back that it updated and factual with no explanation. I have attached a snapshot from all 3 credit bureau reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid 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:
I was charged two transactions on my Amazon chase Visa card in XX/XX/2021. I contacted chase they issued a new credit card. They said they would remove the fraudulent transactions off my bill. I have contacted their fraud department over 20 times. They have conducted 4 investigations and told me I was responsible for one of the fraud transactions. {$1600.00}. I talked to numerous managers with no help. The charge is still on my card. Interest for over 8 months. I gave them all the evidence they asked for and they still say I owe the money. I have an email from a manager at XXXX stating these 2 transactions on XXXX XXXX were flagged as fraud and never delivered. I sent chase a copy of the email. I also sent them a screenshot of my order history and I have no orders or deliveries on that date. I am up against a wall. I have XXXX kids. I really need help with this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX  XXXX and would be catching up three payments one in  XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Very aggressive company ( American Express in association with XXXX XXXX ), I am working with a debt relief program through a lawyer and have been advised to have no more contact with debt collectors because they are acting as my power of attorney. After multiple calls to my place of employment ( every day for AT LEAST 2 weeks between XX/XX/XXXX toXX/XX/XXXX ), they have been sternly told by myself and coworkers that they are NOT allowed to call the restaurant any longer. They would call during lunch hour as well. The calls continued. The most recent started with them saying, " XXXX XXXX we know you asked us not to call your work but, ... '', they were again, advised to NEVER call again and that my lawyer would be in contact in regards to the debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
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: Investigation took more than 30 days

Complaint:
XXXX XXXX ACCOUNT NUMBER XXXX I was hospitalized due to XXXX on XXXX XXXX. 
on XX/XX/2021 i called XXXX XXXX to notify them of my hospitalization and ask for an extension or forbearance for the upcoming XXXX payment which was due between XX/XX/XXXX and XXXX XXXX i was told that they would process the forbearance and email me confirmation. I received no emails or confirmation. on XX/XX/XXXX following release from the hospital realizing they had not responded or confirmed the forbearance i made the payment over the phone. 
they still reported a thirty day late on my credit report and it has caused a substantial drop on my credit score. 
I would like the 3- day late deleted 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 2018-01-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid 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:
The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-10
Company: BBVA FINANCIAL CORPORATION
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Transitioning from Simple Bank to BBVA USA. I, like others, tried to access my " new '' ( or transferred ) account through BBVA using the exact instructions given and encountered several different types of errors. Tried to contact customer service 8x times over the next 2 days and was either hung up on or otherwise unable to reach anyone. I've currently been on hold for greater than an hour and still haven't been able to reach anyone. The only useful information I've been able to find is through XXXX from other people going through the same thing. This entire situation is completely unacceptable and bordering on criminal negligence on multiple levels. Why would any financial institution transition a massive number of users on a Saturday in the first place? Being unable to access funds during, you know, A GLOBAL PANDEMIC when many people are facing financial hardship is beyond concerning on it's own, but then to hear nothing from the company takes it to another level.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
We are in a Hurricane Irma FEMA designated area ( XXXX  FloridaXXXX XXXX , FL vicinity ). 

Thank you Chase for your XXXX and XXXX deferment grace period. 

We paid our Chase XXXX minimum payment of {$390.00} as requested. 

We are going to need at minimum an additional 1-2 month deferred minimum payment grace period on our Chase credit card ending in XXXX due to the extensive Hurricane Irma damage we sustained. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: EQUIFAX, INC.
State: PA
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The status is incorrect for the following account XXXX XXXX XXXX Please supply information on how you verified this account. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
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 is missing that should be on the report

Complaint:
I called Equifax to see why they are not reporting my authorized user tradeline for my XXXX card ( Account # XXXX ). They did not update my information as requested. It is showing on XXXX and XXXX but it is not reporting on my Equifax credit report and I want it reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I tried to remit money to my account in XXXX which I have always done with Western Union. I selected the transaction and they sent me information where I have to deposit the money to which was their account with XXXX XXXX XXXX. I went to XXXX  XXXX XXXX and presented the information they sent to me and gave them my bank card which they used to do the cash advance from my account and deposited the cash to Western Union account with XXXX XXXX XXXX. I called Western Union to report that the transaction have been completed so they could complete it on their own end but they told me its suppose to be wire transfer which I have never ever made before. Then they said they will refund me my money, it been three weeks yet I have not received my refund and one of their agent cancelled my transaction without my consent or even refund. All of a sudden, they again turn around to say they never received my money after one of them confirmed receiving the money. I went back to the XXXX XXXX XXXX couple of times and one of the banker who was a witness spoke to Western Union agent on the phone and told them to send my money back if they will not do the transaction, yet till this day I have not seen my money. Spoke to XXXX XXXX XXXX Manager who was aware of the situation, he asked me if I think is a fraud and I told him if its a fraudulent account he will have to know but he never responded and told me to continue to wait for them to send my money back to me. Please see the attached evidence that the payment was made cash to the account they sent me. 
I have showed them evidences severally, yet they are holding unto my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was checking my credit report, and I had no idea about the accounts and multiple inquiries, that I am disputing. I have never had any contracts or I have never agreed to any of these accounts with my signature.

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 2018-01-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My bank account was closed at my request in XX/XX/XXXX On XX/XX/XXXX XXXX XXXX tried to withdraw an autopayment. Per the Support center, it was returned onXX/XX/XXXX due to a closed bank account. On XX/XX/XXXXthe autopay was still on and they attempted to draw again from the closed account. OnXX/XX/XXXX, I cancelled my autopay and paid the bill at XXXX. At XXXX, I received a letter stating the autopay fromXX/XX/XXXX had been returned and to contact my financial insitution. When I logged on XX/XX/XXXX the account had an alert that it had been cancelled.

I did not receive a phone call, voicemail, email or letter stating that my account would be closed. When I reached out to customer service on XX/XX/XXXXand XX/XX/XXXX I was informed that it was closed due to two autopays being returned and could not be reopened.

I was not properly notified of account closure. I had also made a payment prior to receiving the autopay return. In my case, the return was due to a closed account inXX/XX/XXXX At that time, autopay should have been removed from my account, as the XX/XX/XXXXpayment would also be returned for the same reason.

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 2021-12-09
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a mortgage loan with Amerisave to purchase a home. I submitted my application on line and waited for a response and/or phone call from Amerisave. After I didn't hear back from Amerisave for more than a week, I contacted an Amerisave supervisor and was immediately assigned to an Amerisave loan officer, specifically XXXX XXXX. 

On XX/XX/XXXX, after pulling my credit for the second time, XXXX XXXX sent a prequal letter and disclosures with an interest rate that was unacceptable at the time. We discussed lowering the interest however, the interest rate was never lowered. 

I was told I was approved and simply needed to pay a {$500.00} application fee upfront. I thought this was strange as I've been approved for mortgages prior to this incident and have never been required to pay an application fee prior to closing the loan. 

Shortly after paying the {$500.00} application fee my request for a loan sat in processing until XX/XX/XXXX. Prior to this date, I'd made phone calls to several people within Amerisave in an attempt to get an update on my loan status, however, I was told due to the 'refi boom, ' refinance transactions took precedent over purchase transactions and I'd 'just have to wait. ' On XX/XX/XXXX, I was informed by XXXX XXXX, a loan processor with Amerisave, my loan had been declined and a pre approval had never been issued. As a result, I requested a refund of the {$500.00} application fee. 

Unfortunately, Amerisave has neglected to refund the application fee, even though its representatives admitted to delaying my loan due to the 'refi boom, ' and failed to notify me within a timely matter of its decision to deny or take 'adverse action ' with regards to my application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In XX/XX/2021, I sent Transunion a dispute request regarding an unverified account from XXXX XXXX XXXX Asking to have the debt verified. I also send a debt validation letter to XXXX XXXX XXXX tracking # XXXX which shows the debt validation letter was delivered and sigh for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed you have already indicated Account information disputed by consumer, meets FCRA requirements. How were you able to verify, when the collection agency has not even been able to validate the debt. You allowed them to close the account, when it SHOULD BE REMOVED/DELETED FROM MY REPORT COMPLETELY. 

I CAN NOW PROVE YOU ARE IN DIRECT VIOLATION OF FCRA for FAILING to conduct a reasonable investigation with respect to the disputed information and continuing to report inaccurate information after being notified of the inaccuracies.

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