BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: JPMORGAN CHASE & CO.
State: WA
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/XXXX, two unauthorized charges were made to our Chase XXXX XXXX credit card. One was for {$410.00} to XXXX XXXX XXXX ( restaurant we have never heard of ) and one was for {$600.00} to XXXX XXXX. Chase contacted us about these charges and we confirmed that they were unauthorized by us. I sent a letter both to Chase about the fraudulent charge and to XXXX requesting information ( by certified mail -- I never received a reply ). We both tried to speak to someone at XXXX. It was difficult to get any live person on the phone or get transferred to the correct department, and the employees seemed reluctant to give any help or information. Finally with the help of a Chase fraud dept employee on a two way call, we were able to get the information from XXXX that the charge was made online, in my husband 's name, between XXXX and XXXX, ticket # XXXX, and no one showed up to use the ticket. We tried to get XXXX to call it " invalid billing '' and/or give a merchant credit, but they would not. I also filed a report on identitytheft.gov and followed all the recommended steps on their website. In XXXX Chase ruled that the XXXX XXXX charge was not a billing error. I ( probably mistakenly ) did pay the charge included in our balance that month, as we try to pay our credit card bill in full each month so there is no interest charge. I re-disputed the charge, and we have just received ( XX/XX/XXXX ) a letter from Chase saying that this is not a billing error. We did not make this purchase! We believed that the credit card company would protect us against fraudulent charges, and I want to know who can advocate for us to ensure that Chase honors this. We have charged thousands of dollars on this card over the several years we have had it, with never a late payment -- surely they can treat us as loyal, respected customers. I don't know why one of the two fraudulent charges was reversed, and not the other. If they will not cover this amount we will close our account and have no future dealings with their company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-01-31
Company: SANTANDER HOLDINGS USA, INC.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
transactions on the mini summary of the account do not calculate evenly, and the bank teller could not explain the transactions to me. The balance wasnt even on most months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code 1681a -Definitions ; rules of construction- Exclusion- Expect as provided in paragraph the term consumer report does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.

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 2021-11-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters about unauthorized inquiries on my credit report. There has been nothing done about it. I have even placed a fraud alert on my credit report because there were inquiries that I did not authorize. These need to be deleted immediately it is affecting my score and reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX NFCU issued /deposited interest into my savings account. 
On XXXX NFCU issued/deposited interest into my savings account. 
On XXXX NFCU issued/ deposited interest into my savings account. 
This interest is based on principal only. 
I have met with the branch on XXXX, XXXX, XXXX asking why are not paying interest on my total balance. If NFCU does not pay interest on my total monthly balance please show me where this is written. 
Each meeting was met with concern and stated someone would get back to me. No one ever did. I had to keep returning to the bank, each employee telling me they " handed it off '' to another employee. 
This is not a small amount of money in this savings account- it is over {$43000.00}. 
We have a much smaller savings opened almost 3 years ago and NO interest was ever paid. 
What kind of institution is this? I want an explanation or my due interest. I have quite a bit of money in this bank and i no longer trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Atlanticus Services Corporation
State: OR
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:
In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. Aspire credit card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
It been now almost 60 days and my refund check has NOT mailed to me after I called more then 6 times to Chase claims department and the collection departmentone keep running me to anotherall I hear is we are so sorry and promised your refund on the waythis bank continues LIES to me over and over ( I already needed your help in numbers items with them and you helped me 100 % on that/waking them up to action ) I HOPE you will this time as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX MO XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; 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 non-monetary relief
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: FL
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 EQUIFAX AND ADVISED THEM THAT I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS STILL APRARE ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently tried to get an apartment and wasnt approved due to this collections. 

I am in bankruptcy XXXX XXXX XXXX XXXX  and this never came up. I tried to settle but customer service wouldnt help. I had no knowledge of this collection until I was trying to be approved for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I WAS VICTIM OF IDENTITY THEFT AND AS A RESULT OF THAT SEVERAL ACCOUNT WERE REPORTED IN MY CREDIT REPORT THAT ARE NOT MINE XXXXXXXX XXXX XXXX # ( CASE XXXX ) ACCOUNT NUMBER # XXXX, XXXX XXXX XXXX THESE ACCOUNT ARE FRAUDELENT AND NOT MINE I HAD REPORTED THESE ACCOUNT TO CITIBANK IN 2019 OF THE ILLEGALITY OF THESE ACOOUNT AND NOW THEY HAVE SOLD THE ACCOUNT TOA COLLECTION AGENCY XXXX XXXX XXXX XXXX AND ATTORNEYS XXXXXXXX XXXX XXXXXXXX XXXX TAKING ACTION OF SUING ME FOR A FRAUDELENT ACCOUNT WICH IS NOT MINE

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 2020-07-22
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have proof of all payments being sent on time from our Bank. Each mortgage statement sent to us reflects the payments being made. We reached out to them requesting a mortgage pay off statement and that is when they advised us they had not received two payments and there are late fees accrueing. Kindly see all attached documents proving all payments made on time since our mortgage was sold to this company. They are refusing to resolve the matter with us directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been on a reduced payment plan since almost the beginning in XX/XX/2009. Every year the loans go up but I am not able to afford it. I can barely afford the {$900.00} payment now and it is ending. Navient has not been able to offer any kinds of assistance with lowering the payment or extending the years of repayment. When asked to fill out a monthly expense type report, I am coming in the negative because of my credit card debt I've gone into to pay for my loans and for daycare for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mutual of Omaha Mortgage is holding escrow money belonging to us after we sent a written and signed by both parties " Waiver of our Escrow Account '' per their request. They refuse to allow us to add an additional {$10.00} homeowners ' premium payment to our monthly mortgage payment. They took this money and did not apply it for homeowners ' insurance premiums, but for an additional mortgage payment. The check was clearly written and marked for " Escrow '' only. Mutual of Omaha Mortgage tried to scam us out of more money for homeowners ' insurance premiums when our XXXX agent notified us to increase our payment monthly by {$10.00} starting on XX/XX/2022, this was done by mail. This company sent us an order letter to give " them more money '' for the escrow account to pay our homeowners ' insurance premium. We chose to pay our homeowners ' insurance premium ourselves arranged with our XXXX agent. They continue to not refund all the monies they have taken from our monthly mortgage payments for an authorized escrow account to which they are maintaining for themselves and not us, the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
So navy federal is charging me {$270.00} and {$270.00} for debt collection or overdraft fees from my checking & savings account with them I dont know nothing about overdrafting or being in debt with them..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my XXXX and transunion as late when i never been late.

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 2020-11-26
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/XXXX I called XXXX XXXX XXXX located in XXXX NY to find out how I would handle the lease end during Covid19, my lease was expiring on XX/XX/2020. 
I was advised by the Sales Manager XXXX that I could turn my lease in early with no penalties and that I could smoothly transition into a new lease without owning the last 2 months of payments. The car was delivered and we exchanged cars on XX/XX/2020. 
I received numerous letters from Kia Finance ( will attach in other section ), every time i received a letter stating that i had a balance due because of early lease termination I was advised by XXXX the sales manager that I should ignore them because the dealership cut a check and the account was closed and the vehicle was being picked up by Kia XXXX. One the last letters that I received stated that I owed XXXX XXXX called kia Fianance to dispute this and he was told that this money was owed because the lease was turned in early. XXXX told them Kia Fiance offered an early termination deal with no penalties and that I idid not owe the money. I was later advised by Mr XXXX ( owner of dealership ) that Kia Finance was incorrect with their statement and this money was owed due to a mileage overage, which XXXX also told me I would not be responsible for being over the mileage because i was " family '' and a repeat customer. 
XXXX said not to worry, he would straighten this out, and then i later found out he was no longer employed, the owner Mr XXXX would not help fix things, instead he gave me a credit of XXXX to purchase items from the dealership. I ended up paying the XXXX to Kia Finance in XXXX, I was told I would receive a paid in full receipt that i could submit to the credit agencies within 10 business days, originally i was told that they would email me the receipt, in calling back other times, I was told they could not honor that because of security reasons and working from home to due COVID, I was incorrectly advised and I was assured the receipt was being put in the mail, to date i still do not have it, I have called many times with no satisfaction. I was then contacted by my credit card company XXXX they were notified by XXXX XXXX and XXXX  of this delinquent payment which resulted in my accounts being frozen and ruining my credit. I feel the actions of Kia Finance are fraudulent along with the 3 credit agencies I mentioned above, one of the attachments clearly shows the account being paid off and closed out, and I never made a late payment. I need to have the 2 late payments expunged from my credit reports. I will never do business with the XXXX dealership again, I got a major run around, I am in the process of trying to relocate and obtain a mortgage and I was advised that I can not until this issue is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Guild Mortgage Company LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I notified Guild Mortgage Company that I changed XXXX XXXX XXXX and sent them verification, which they acknowledged on their website, showing the reduced amount of Homeowners insurance. 

Guild stated that they sent me the check for the old XXXX XXXX XXXX  and to send it back to them so that my account can be properly credited and reflect the lower payment to be assessed for the XX/XX/XXXX, payment. 

I receive their refund in the amount of {$2700.00}, which I promptly sent a personal check in that amount to them by overnight via USPS. It arrived in their XXXX XXXX XXXX XX/XX/2023 as shown in the attached documents. I had notified them by email prior to and after the XX/XX/2023 email. As of today they have refused to or attempted to retrieve the overnight mail containing the check so that my XX/XX/XXXX, payment can be accurately reduced. 

I contacted XXXX XXXX and their representative in the XXXX department for Guild more than 5 times prior to making this complaint and have made every effort to contact them by phone. 

I tried calling their Servicing Department as shown on their website and instead kept getting referred to a solicitation for XXXX XXXX  instead, which is quite disturbing. 

As of today I am have to pay the {$3000.00} mortgage payment instead of the lower amount if Guild were to properly take into consideration the check that has been in their XXXX XXXX XXXX XX/XX/2023. 

Since this complaint, I have changed XXXX XXXX XXXX  again and will have an even lower previous which will reduce my total payment below {$2800.00}. This second change in XXXX insurance companies will be effective XX/XX/2023. I purposely waited to have this new insurance to take effect on XX/XX/2023 to give Guild sufficient time to correct the " current '' escrow payment that they refunded. I thought 11 days would have been plenty of time to begin my new homeowners insurance, but now that have not even picked up the current refund check in their XXXX XXXX there will now be more necessary delays in correcting the homeowners premium the currently have on file the second change coming in XXXX. 

This entire confusing issue is purely due to their negligence in not picking up the refund check that I sent, correcting the current payment and in XXXX they will receive the second homeowners insurance companies that will ultimately reduce my entire mortgage payment even further. 

Their outrageous customer service in not having a XXXX XXXX XXXX  phone number to contact them directly and instead, an up-sale for XXXX XXXX XXXXXXXX is equally outrageous and deceptive.

Company response to consumer: Closed with explanation