BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: NJ
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:
XX/XX/2016, {$1300.00}, and XXXX XXXX reached out to me and I agreed to pay balance. I paid large sum moneys ; difference outsource company contact me regarding my XXXX XXXX credit. Paid them as well as XXXX XXXX call me then paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2020 XX/XX/2020 called nelnet, the department of education and Great Lakes nelnet shows on my credit report as derogatory but it is old and it has been rehabilitated but it still appears on my credit report no one could help to remove it they just keep saying to call different places

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XX/XX/2018, I tried to open a checking account for my business transactions for my business over in XXXX. I already had a personal account and business account with First Citizens Bank and wanted to keep my overseas operations separate from my US XXXX activity. The bank refuse to open my account and told me that I was involved in a love scam, which was not the case. The bank made this allegation up on their own. Because of the negligence of the bank and using false allegations against me, they cause me personal harm to my character, monetary lost to my XXXX  business, and closed an account that I have with he bank for over 30 years. 

They said that I was in a love scam when I wanted only to open an account to pay my attorney for the transfer the ownership to my name and to give authority to my managers of my XXXX   plantation. 

I also felt that I ws treated differently because of my XXXX XXXX   Heritage because of the manner that I was treated. I AM A XXXX XXXX   XXXX COMBAT VETERAN AND A LONG TIME BUSINESS OWNER AND PRIOR ELECETD OFFICIAL in XXXX County XXXX. and respected by many people in this county. XXXX discrimination should not be tolerated in any form and covered up bu using old and irrelevant policies that are outdated. 

This is First Citizens Bank and Trust Headquartered in XXXX North Carolina. I have additional information if you require it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.

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 2020-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
VISA Account Number : XXXX XXXX XXXX XXXX VISA Case Number : XXXX XXXX Case Number : XXXX Merchants Name : XXXX / XXXX XXXX Date of Transaction :XX/XX/XXXXSir : On XX/XX/XXXX, I paid {$150.00} + {$150.00} = {$310.00} on VISA card with respect to two flight tickets. 
I was assigned XXXX XXXX flight number XXXX for XXXX to XXXX XXXX flight date XX/XX/XXXX 
On XX/XX/XXXXI received an email from XXXX to advise that I had been assigned a later flight ( XXXX XXXX XXXX number XXXX ), for XXXX to XXXX XXXX flight dateXX/XX/XXXX. 
On XX/XX/XXXX I received email shown in EXHIBIT 1, from XXXX XXXX to advise that XXXX XXXX XXXX number XXXX was cancelled. 
On XX/XX/2020 I phoned VISA and advised them of the flight cancellation, and they applied a {$310.00} credit. 
I received two letters from VISA dated XXXX XX/XX/2020 ( EXHIBIT 2 and EXHIBIT 3 ). 
These letters advised that the charges would be reapplied. 
On XXXX XXXX I wrote a letter to VISA shown in EXHIBIT 4. In this letter, I provided email ( EXHIBIT 1 ), as evidence that the flight had been cancelled. At the time of writing, I have not received a response to my letter from VISA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}, {$12000.00}, {$12000.00}, {$3700.00}, {$0.00}, {$0.00}, {$0.00}, {$5800.00}, {$8500.00}, {$7100.00}, {$8300.00}, {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

10. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Original borrow ended XX/XX/2012. Estimated total debt +/- {$38000.00}. Total initial consolidation at that time was {$76000.00}. I fought with Navient about this, they would not budge. I filed a XXXX  complaint and they credited +/- {$11000.00} due to a disbursement to the school that was returned. However they still double consolidated the total loan amounts!! I have been attempting to fight with them all along. I have filed numerous complaints and have gotten now where. I have paid, relatively diligently since and have currently paid in +/- XXXX. I know there is interest in there to pay back. Navient still has me listed as owing XXXX. 

1. Even if I did owe XXXX minus the XXXX credit, total XXXX - after paying in XXXX, how is my balance only decreased by XXXX?!!! 
2. I do not owe this massive amount and have paid for over 7 years on this loan without a decrease in balance. 
3. I can not get the balance due corrected!

4. Lawyers tell me that I am beyond the 3 year contract law discovery since I flied with the XXXX. 

What do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I purchased a Cashier 's Check for {$1700.00} on XX/XX/XXXX from Suntrust Bank. The check was not used for the intended purpose and was misplaced until XX/XX/XXXX. On XX/XX/XXXX, I presented the check to Suntrust Bank, XXXX, GA XXXX XXXX XXXX  for refund. I was told the check needed to be deposited into my account, but I closed my XXXX accounts at Suntrust Bank in XXXX due to poor customer service. In researching my accounts, I was told XXXX of my checking accounts was charged off for {$270.00}, which I disputed as I closed all XXXX accounts at the same time, in the branch. I was told that an item for {$49.00} presented for payment AFTER the accounts were closed. The account was RE-opened by the bank and the item was paid, followed by the assessment of several overdraft fees. The account was eventually closed again by the bank, this time with an overdrawn balance of {$240.00}, and a {$30.00} charge-off fee was assessed. The bank manager informed me that I would need to pay the charge-off, open another account at Suntrust and deposit the cashier 's check in order to get my money back. I requested copies of the account statements covering the payment and fees associated with the charge-off. I was told the statements would be sent in XXXX business days. It has been XXXX business days and the statements have not been received, but what I did receive was a bill for the {$270.00}.

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 monetary relief
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Sent in a dispute letter over 45 days ago to the bureaus for unverified, erroneous accounts. I have yet to receive any validation from the bureau nor creditor of validation of accounts. I request these unverified accounts be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Re Conventional Home Mortgage with Chase On Thur XX/XX/XXXX I submitted a Chase Payoff Wire online.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

On Fri XX/XX/XXXX I submitted a Chase Payoff Wire online.

My bank verified the funds where wired to Chase that same day.

The amount wired was in excess of {$1000.00} more than was due to pay off the mortgage.

My bank verified the funds were wired to Chase that same day.

Both of the above payments where submitted using exactly the same process and of the exact same Dollar amount. Please see attached verification from my bank regarding both payment amounts sent on the days referred above.

The first payment was declined by Chase, the second later payment was accepted.

Chase charged me a late fee and interest for days in between.

Obviously it was in Chase 's interest to denie the first payment and charge me according, as they knew they were losing me as a client!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/2017, and I noticed an unauthorized inquiry had been made. 

I contacted XXXX  & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-09
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 fraudulent accounts on my credit report, I have tried to have them removed but the credit bureaus will not help me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Guild Mortgage Company LLC
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: Account information incorrect

Complaint:
I had paid my mortgage two days late. The company would not accept the next two payments on time, so Guild Morgage reported me late for the next to months. I have spoke to the morgage twice but with no results. 

Please remove this from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I h

ave 2 complaints. ***COMPLAINT # 1****On XX/XX/XXXX, I received an email from XXXX  XXXX  XXXX   Mastercard ( issued by Barclays Bank Delaware ) for a promotion : " [ ... ] when you use your XXXX XXXX XXXX Mastercard to place 3 orders with XXXX XXXX, XXXX, XXXX, XXXX  or XXXX , from XX/XX/XXXX until XX/XX/XXXX, you'll earn a {$20.00} statement credit. '' The terms state " Statement credits earned will appear on your statement 6-8 weeks after the end of the promotion ''. As of XX/XX/XXXX I had made 3 XXXX transactions and I haven't received my {$20.00} statement credit. On the first week of XX/XX/XXXX, which is over 90 days since the promotion ended, I called the customer service number and spoke with a woman, who said she will file a ticket with the IT department to make sure I get my statement credit. As of today, XX/XX/XXXX I still have not received my {$20.00} statement credit. 

***COMPLAINT # 2****When I signed up for this card, it was advertised that I would receive 5 % anniversary points every year after the first year. As of today, XX/XX/XXXX, I have not received my 5 % XXXX XXXX XXXX anniversary points. My account was opened in XX/XX/XXXX, and my 1-year anniversary would have been XX/XX/XXXX. As of XX/XX/XXXX I still haven't received my 5 % XXXX XXXX Anniversary points ( which would have been at least XXXX XXXX XXXX miles. I called and spoke with a female representative in early XXXX and she was not able to help me, she said I have to keep waiting but I am already past my 1-year anniversary.

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 2020-10-10
Company: JPMORGAN CHASE & CO.
State: OK
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:
XX/XX/XXXX, XXXX XXXX. CST I made a payment to a merchant and they have additional security measures before they will finalize my order. One measure involves me providing a transaction number and verification number of the charge. They will not process my order until I obtain that from my card issuer, Chase. 

I called Chase card services to obtain my information concerning the transaction. I initially spoke with XXXX and was denied. I asked to escalate it to a supervisor and was connected after several minutes on hold to XXXX, credit card services. 

I was informed by both that I would not be able to get the transaction code or authorization number to my credit card charge. For security reasons, there is a different level of verification that would need to occur on the merchants side to be able to provide that information. 

My transaction will be cancelled by the merchant within one business day and I will not receive an important order. 

I feel this is an Unfair business practice, under standards of UDAAP, for the following reasons : I do not have access to use my card without it being cancelled by the merchant. 

I am sustaining monetary injury and compensable time damages based on my inability to process this order or have access to my contractual credit line through Chase. 

I can not reasonably avoid this injury as evident with the calls I made to Chase card services. 

There is no countervailing benefit for me to be denied this information as there is no risk in providing me this information on my own card account. 

When asked why it would be a problem for me to know about that information, they said it was a system limitation of Chase to provide that to me. 

I read the entirety of this complaint on the call with Chase and they confirmed all aspects of it's accuracy and affirmed their choice to prohibit me from my own account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a call from XXXX which is USAAs number. I now have been told that call was a scam. I was scammed out of {$2300.00} which was my balance combined between my checking and savings prior to the call. And some how another nearly {$8000.00} dollars. I have a balance of nearly negative {$8000.00} in my checking account now that all the fraud and scams have stopped. After nearly 2 weeks of going back and forth USAA is refusing to work with me at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CITIBANK, N.A.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I took out a Citibank loan while attending XXXX XXXX University as an international student. This loan has since been sold to XXXX XXXX XXXX XXXX whose account ends in XXXX with a reference number # XXXX. 

Currently Citibank is still reporting that I have miss payments even though I pay XXXX XXXX XXXX a $ XXXX  monthly fee. I need Citibank to stop reporting missed payments for a debt they no longer own.

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 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received my annual free credit report from Trans Union, XXXX, and XXXX  credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from Trans Union. Trans Union never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.

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