BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
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:
On XX/XX/XXXX I purchase from a company called XXXX, a training package regarding internet marketing. The program portion was split up into 2 major training packages. Titanium/Platinum and Diamond. I used my Chase credit card ending in XXXX to purchase the TIT/PLA Combo using a credit of {$19000.00}. The remaining amount was paid with a different credit card. 
On XX/XX/XXXX the FTC shut down XXXX due to complaints that the company is a fraud. A Temporary Restraining Order was in place to stop the company from conducting any business, and a subsequent court order on XX/XX/XXXX made that TRO indefinite, essentially shutting XXXX down for good. 
I did not receive any of the services outline in the Titanium and  Platinum Agreement. The major portion of which is a training seminar in a location chosen by XXXX and continuing training and online services. I did not attend any of the promised seminars and any and all was not conducted due to the FTC shutdown of XXXX. I was not delivered the services I paid for and was promised to me. 
I placed a billing dispute with Chase on the card ending in XXXX. Chase has denied my claims, with no explanation as to why it was denied nor provided any proof that I received the services provided by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/XXXX, I purchased a money order at XXXX .upon me reaching my car, I realized my money order was missing. I immediately went back to the store. ( XXXX ) store clerk began calling Western union on my behalf. I was immediately able to obtain the form, and send them back the same day. Upon them receiving the forms, they requested me to complete an affidavit. I submitted on XX/XX/XXXX, western union confirmed receipt, and I was told, it would take ( 15 ) days, and I authorized them to take out the fee for a refund.. After ( 15 ) days, I attempted to reach out, and I would received different responses, in which cause me to belief, something is wrong. Originally, I was told that my refund is being process, and then I was told that they mistakenly cash the money order even at that I had submitted a stop payment on it .and should received the name of the person that cash it. But never did, and every attempt, I made to reach them fail as if they had caller ID. I m on XXXX an to be taken advantage of by western union is sad/ and a disagrace. I will continue to complain to my state officials as well as companies like the XXXX, to expose these major companies bad practices. 

Please look into this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Experian Information Solutions Inc.
State: HI
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 disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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: EQUIFAX, INC.
State: HI
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 disputed this Charge Off on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I deposited {$1000.00} cash into an ATM machine at Chase Bank. This machine was inside the bank. It was a new machine. It felt safe. But the machine malfunctioned and my deposit didnt get recorded. A little suspicious I would have to say. But I thought the bank management would take care of this quickly.Well they did not handle it well at all. They treated it very lightly. The manager didnt even come over and talk to me. Another employee wanted me to fill out a form so they could take 10 days to look into it. They didnt even shut down the ATM machine even though it kept my money. They kept allowing other customers to use it. They were just trying to get me to leave the bank without My cash or a record of having deposited it. I had to call the police before they would even explain the protocol and tell me they would have my money back by tomorrow which would have been XX/XX/XXXX. However, its XX/XX/XXXX and they still havent found my money. Supposedly they were going to check the machine before opening on XX/XX/XXXX but now they are not telling me if they found my money. Its being handled very very very suspiciously. With no assurance to me that I will ever see my thousand dollars. Even if I do., Its being handled so badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
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:
One main financial sent a loan check in my name to an address I dont live at. A person with the same name as me does live at that address. That person cashed the check. I have reported to the credit bureaus and to Onemain that this is not me. I submitted a letter to Onemain at one of their offices with my signature on it for a comparison to the check endorsement. I have spoken to Onemain since then and was assured this would be taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-04
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2018, I had received a fraud notice from Citi bank to inform me that there was fraud charge to my Citi/AAdvantage Platinum Select World Elite Mastercard account in amount of {$620.00} at XXXX XXXX # XXXX. Since I didn't recognize this charge, I immediately called Citi bank to dispute this charge and close out the credit card and Citi bank subsequently issued me a new card. Upon review of the detail charges to my Citi/AAdvantage Platinum Select World Elite Mastercard account once the new credit card was issued, I noticed that the fraudulent transactions of {$620.00} at XXXX XXXX # XXXX were charged to my current account three time on XX/XX/2018, XX/XX/2018, and XX/XX/2018 respectively ( in total of {$1800.00} ) and Citi bank didn't properly apply the credit against these charges. I immediately called Citi bank again to request a dispute and credits for all three charges ; however, they were not able to issued me a credit for the {$620.00} charges on XX/XX/XXXX and XX/XX/XXXX and told me these charges are still under investigation. I kept calling them every week to inquire the status of these charges and I have been checking on the status of these fraudulent charges closely throughout the month of XX/XX/XXXX. On XX/XX/2018, I looked at my account detail again and noticed that the credit Citi bank issued to me to offset the fraudulent charges on XX/XX/2018 was reversed on XX/XX/2018 and they further issued an electronic notice to inform me that the three aforementioned disputed fraudulent charges were valid!! This situation is getting so ridiculous and unbelievable because first, they didn't contact me directly explain to me why they concluded these charges were valid ; second, I didn't see any support that show my signature or any form of authorization to prove these transitions were valid ; and third, their process was completely inefficient and not did they exercise due diligence in this process.

I am a victim of these fraudulent charges and it looks like to me that the Citi Bank didn't take any action against the wrongful charges and would like me to bear the liability and pay for 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 2018-10-31
Company: Experian Information Solutions Inc.
State: IN
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 AND EXPERIAN ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.

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: EQUIFAX, INC.
State: IN
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:
EQUIFAX AND XXXX  ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on Equifax, and XXXX on XXXX and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX CXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX BRIAR XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Mortgage Debt was discharged in XXXX. Since then I'm voluntarily paying the mortgage. I do want to keep my home. Since XXXX have not missed a single payment. Sometimes I send I paid after the XXXX of the month but always before the XXXX. XXXX was servicing my mortgage since XXXX and I never had any issues with them. 
Last year the servicing of my mortgage was transferred to SLS and my problems started. 
First I wasn't able to pay online, like I did before. They told me I wasn't allowed because I had filed for bankruptcy. I NEVER MISSED A PAYMENT since XXXX, but sometimes my check arrives at their office a few days after the XXXX of the month and they started to charge me late fees. I retired this year and I receive my pension every XXXX Wednesday of the month. I called to remind them my debt was discharged and that I was voluntarily paying my mortgage and they couldn't charge me late fees for a debt I legally don't own. They were rude to me, asked to speak to the manager but he didn't want to speak with me, and they told me the late fees would stay. I sent several emails, and sent also a copy of the Discharged papers I was supposed to send to all debtors. After I sent the Bankruptcy document, SLS have changed the wording in my statements. LATE FEES was changed into UNPAID FEES. I can prove, without a doubt I have not missed a single payment, so I don't have any unpaid fees. 
I put my house on the market and I asked for a Pay-Off Statement and they included late fees. I called them several times, sent many  emails but they are being unreasonable. It has been very stressful to deal with them. Recently I was able to make a payment on line but they have included late fees and I can't make the payment online unless I pay the amount they specify there which includes a LATE FEE. I have asked them to remove the late fee so I can pay online but they have not done it This month I paid over the phone because of the issues I'm having with them I didn't want my check to get there after the XXXX. they charged me a convenience fee {$12.00}. 
I really need this issue to be solved because once I sell my house I don't want to see late fees included in my pay-off amount, it is not right. 
I have a question - my mortgage is variable but since my bankruptcy, from XXXX to XXXX, XXXX made very little changes in my monthly payment. 
After it changed to SLS, they have increased my payment by around {$20.00} every 6 month and I want to know if they are allowed to do that. I know it was a variable rate mortgage but the debt was discharged and I understood that's why XXXX made very little changes to my monthly payment amount Please let me know if you can help me with this problem Thank you

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 2020-11-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX  is reporting negative credit report. 
Account has been closed but still showing as revolving account. 
Account was opened on XX/XX/2017 with no reporting date on when it was closed. 
Account shows that I have a XXXX balance on it, but I have no knowledge about this account. 
This account is reporting to my Experian Account as a collection.

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: Experian Information Solutions Inc.
State: MA
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:
The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the Experian credit agency multiple letters in both XXXX and XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. Experian has refused to comply with XXXX request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for a mortgage and was told by the bank that my loan was denied due to high debt to income value and the derogatory remarks of delinquency on my Transunion credit report. I wrote to Transunion one year ago to remove this remarks from my credit report because all outstanding loans that were outstanding at the time was paid and settled. I am debt free for 2 years now. I have paid back and settled all outstanding loans, mortgages and debts. My current credit card use is to establish responsible use of credit to rebuild my credit history which was destroyed because of divorce. All credit cards have had no outstanding balances except the current balance for the month. All credit cards are paid on the due date and non have been paid late, yet Transunion continues to report that there are derogatory remarks of delinquency on my account. This is affecting my ability to get financing for a mortgage for a home that I can finally afford.

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: EQUIFAX, INC.
State: MA
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:
The account XXXX XXXX / XXXX XXXX # XXXX owned by XXXX XXXX XXXX ( XXXX ) remains on my credit report despite numerous requests to have it removed over the past year. This account was originally sold to XXXX for collection by XXXX XXXX / XXXX XXXX This account was settled with XXXX after paying them directly six payments totaling {$3400.00}. XXXX has issued directly to the XXXX  credit agency multiple letters in both XX/XX/XXXX and XX/XX/XXXX requesting that the account be removed from my report. This is in addition to the multiple copies I have provided. XXXX has refused to comply with XXXXs request. I have now filed an action with both the CFPB and the Massachusetts States Attorney General office requesting assistance in this matter. I have provided a copy of one of these letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX  and I am not working right now.

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