BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: CO
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:
My complaint is with Chase Cardmember Services and their Executive Office. 

Looking back, I made several transactions with my XXXX Chase credit card last XX/XX/XXXX to get cash to give to a foreign company called XXXX XXXX XXXX to make binary options trades for me. Since I did not have any cash on hand for these trades, I obtained cash from four of my credit card companies for XXXX XXXX XXXX to use to make the trades for me. The four credit card companies were Chase cardmember services, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  debit card visa. 

When I realized that I was part of an elaborate scam ( I only realized this in XX/XX/XXXX ), I began contacting the card companies to let them know that I was part of a scam, and to tried to get them to give me my money back. Two of the banks ( XXXX XXXX XXXX and XXXX XXXX ) agreed with me, and credited my accounts for all of the transactions I made through them. 

However, Chase Cardmember Services and XXXX XXXX XXXX XXXX listened to my dispute, but WOULD NOT give me my money back ( see attachments from Chase ). 

They said that since the transactions ( {$33000.00} cash credit card transactions ) had occurred more than six months prior to my dispute, they would not credit my account. 

XXXX XXXX XXXX XXXX has also rejected my dispute and they have failed to give me my money back. I made a {$1700.00} debit card transaction with XXXX XXXX XXXX XXXX and a {$50000.00} wire transaction through their bank ( when I cashed-in a {$50000.00} annuity from XXXX and deposited the money in XXXX XXXX XXXX XXXX ). 

I have filed four separate disputes with Chase and each one has been rejected. The dispute with XXXX XXXX XXXX XXXX is still pending, but they have indicated that they will reject it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, we received an email XXXX XXXX, Mortgage Banker at Chase Bank, indicating that we were eligible for the Education Benefit Program, " United Guaranty 's Home Buyer Education '', and accordingly we completed the course on XX/XX/XXXX to earn {$500.00}. However, despite a confirmation email on our successful completion of the course and numerous promises by XXXX XXXX, including telling us on XX/XX/XXXX that we would receive the check in 7-10 days, we are still yet to receive the check. Furthermore, after numerous phone calls and stating that he was still checking on it but then we were informed that we were no longer eligible due to the amount of down payment despite completing the course months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CHARLES SCHWAB CORPORATION, THE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called  XXXX  on  XX/XX/XXXX   he did n't find the account numbers listed no reslove

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 2018-01-02
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
no data for XXXX thru XXXXWhat happen between XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was served court papers from "  XXXX   XXXX   XXXX   XXXX   XXXX  saying I owed them money. I wrote to the company  XXXX   XXXX ,  2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  XXXX   XXXX   XXXX   XXXX , again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
no data for XXXX thru XXXX..What happen between XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: CO
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:
A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX group. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with Experian to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to Experian XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. Experian said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked XXXX and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.

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 2022-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

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 2017-07-14
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
ive never authorized XXXX XXXX to check my credit i do not have an acccount with them they and equifax REFUSE to help me to remove from report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: EQUIFAX, INC.
State: NM
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:
Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Two Hard Inquires remain in my credit file : 1. XXXX XXXX XXXX- XX/XX/17 2. XXXX XXXX XXXX- XX/XX/17 These Hard Inquires are more than 2 years old and should no longer be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: The CBE Group, Inc.
State: OH
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:
Reported XX/XX/2019 by CBE GROUP on behalf of XXXX XXXX XXXX XXXX in the amount of {$250.00} which has posted on my credit report twice. I want both of these marks removed as they are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
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: Account information incorrect

Complaint:
Despite many requests XXXX XXXX XXXX refuses to discontinue reporting in accurate information caused by ID theft in the closure of a credit card to Experian and other CRAs. 

When my credit card was ran up I made the request to issue another one and although the balance was still paid by myself on the first card it reports as maxed and that I have to open accounts which is not the case since I only have one. This of course causes a huge drop in my credit score and both parties seem to have refuse to correct it

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 2018-01-02
Company: CITIBANK, N.A.
State: MD
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:
Hello, I 've received a letter from CITI stating that I was enrolled in Credit Protection Program and charged a monthly fee without my consent. The letter said that I can to the website : www.citi.com/XXXX and submit a claim for a refund. 

When going to that website provided, it does not work. I am still unable to request for refund. 

Account Ending : XXXX Customer Reference : XXXX Tracking Number : XXXX XXXX XXXX Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am resubmitting a compliant about Sallie Mae because I caught them on another lie. My original compliant was XXXX. Their response was that my checking account number was wrong so that is why after they approved my payment, they reversed and rejected it. So not only did they confirm that the reversal was on them ... .they purposefully rejected my payment which now shows on my account that I have a late payment in my payment history. I attached a screenshot that shows that their website restricts you from reviewing your payment prior to submitting if your account number is entered incorrectly. So if I was able to submit my payment and receive a confirmation from the company, then my account information was correct. If it accepted the payment then I also had funds on my account to receive an online receipt. Therefore that is proof that I had the funds and my payment was processed accurately. Sallie Mae chose to send the money back which will have a negative impact on my credit report. I believe this is an FTC violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have opened several fraud claims with wells fargo in regard to erroneous XXXX transfers that were not made by me. XXXX  XXXX dollars have been fraudulently removed from my wells fargo account. I have contacted wells fargo on NUMEROUS occasions. They stated they could not track where the money went being that XXXX is a 3rd party service, but I recently got a notice in the mail where they were able to track 1 of the claims. How is this possible when they could not track the other claims to verify which account they went into. Wells fargo is playing a game and stealing my money. Why can they not track all the other claims? They just pick one claim and now they can all of a sudden magically track where this one.went. Why can't they track the other claims? I ' ve been a wells fargo customer for over 15 years. I closed my account because of their horrible customer service and the unwillingness to due their due diligence and protect their customer. Please track all my other claims and you will see that this money that was stolen went to fraudulent accounts because the recipient did not receive the funds and I did not send the funds

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 2019-07-31
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
XXXX XXXX 2012, {$XXXX} This account was paid and closed and was originally reported inaccurate.

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 2020-06-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The problem XXXX having with Experian is that these accounts are passed the statute of Limitations. 

Account Name : XXXX XXXXXXXX XXXX Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Nelnet, Inc.
State: VT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private student loans are serviced through nelnet. I have two separate loans. I have tried to make extra principal payments to one loan, yet the company has a history of misapplying the payments. This has resulted in significant time trying to correct the issue, and I now am having to fight to have interest charges corrected. I am rather exasperated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SinglePoint GI
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Get daily recorded messages stating " Hi this is XXXX XXXX calling from Gen. Revenue Corporation. Please call me or any of our representatives at XXXX ''. I have contacted them numerous times and advised that this is a law office and the person they are trying to contact ( XXXX XXXX ) is neither an employee or a client of this office and to please stop calling. They have repeatedly advised that this number has been removed from their list, yet I continue to get daily phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm a recent identity theft victim. Have been trying to get in contact with Equifax since Monday XX/XX/2019 in order to establish an account to freeze and unfreeze my credit file. Customer service is not helping me correct the problem. They call me back after waiting quite sometime only to transfer me back into the automated recorded loop, forcing me to wait again to speak to someone or I get told to wait 24 hours to attempt to create a password. What they're doing is wrong. 
For three days now I've been trying to establish a password for a myequifax account and nothing is being done. I'm beyond aggravated. Today is XX/XX/XXXX and I'm still fighting with this. Eight calls so far this morning alone. It's a joke to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Capio Partners, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/19 at approx. XXXX PST, I, XXXX XXXX XXXX called Capio Partners in an attempt to settle the account # XXXX ( Ref # XXXX, XXXX XXXX, Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After my personal data confirming information, the girl on the phone didn't accept my offer for XXXX, as I informed her I had been ill and could not pay the full amount. She said they may take XXXX  %. I requested this in writing with a Pay to Delete Settlement in writing. She emphatically informed me in no uncertain terms that my request for a Pay to Delete Settlement notice in writing for an agreed amount would NOT be sent out prior to the account FIRST being paid. When I was confirming that she was denying this process, she got snotty and here tone got very nasty. I asked again, for personal clarification, that she was denying me this process. I asked her if she knew the law. She said she was then confusing herself but they would NOT send me this notice in writing prior to me first paying the debt. I advised her I was informed this was exactly what I needed to do PRIOR to paying any verbal agreement. She became very rude and hung up on me! Are you kidding me? I am trying to settle a debt from a hospital! 

I will contacting legal advice next. This event was rather disturbing. VERY DISTURBING!! This is abusive. I am XXXX XXXX XXXX. Shameful!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-14
Company: SYNCHRONY FINANCIAL
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 pulled my credit report and noticed several inquiries that were n't made by myself. I was n't aware of any inquiries. I was n't contacted by any companies nor credit bureau and I noticed an alert that inquiry was on my credit report. I sent in several certified letters over to the credit bureau all three bureaus and received letters to only show that the inquiries and accounts were verified. I did n't get any letters, contracts or notified by any creditors or credit bureau to get any consent so that is breaking the FCRA laws. Several laws have been broken and I want to seek a civil suit against the credit bureaus along with the creditors advertising inaccurate information on my credit report. I have serval people in the United States that has the same name as me and I do n't think it 's fair that I pay the price for errors on behalf of credit bureaus and creditors.

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