BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my 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 non-monetary relief
Consumer complaint received 2022-08-11
Company: BARCLAYS BANK DELAWARE
State: AZ
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 balance transfer

Complaint:
I closed my Barclaycard credit card ending in XXXX due to fraud in XX/XX/2022. After it was closed, an XXXX vendor refunded me for a returned product. This balance ( {$730.00} ) was supposed to transfer to my new credit card, but never did. After getting the " run around '' from Barclaycard, which insisted that they never received the refund from the vendor ( even though the vendor had provided me twice with the details of the refund ), I submitted a " case. '' Someone at Barclaycard then realized that the refund went to my closed account. They then put in a request for the balance to be transferred and closed the case. But the transfer never happened. I called back again and learned that my case had been closed, but there was no additional information provided besides to call the number on the back of my credit card. I verified again with another employee that there was a credit balance on my old account. They opened a case as well ( XXXX ). This case was also closed, and nobody at the company that I can reach by phone can tell me why or how to fix this. This is now the third case that has been closed regarding this issue, and I have made over a dozen phone calls over the last month. I have talked to supervisors and people in all sorts of departments, but most of them are working off of scripts and can not help me. Many times they tell me " the system is not loading '' and tell me to call back. Other customer service reps try very hard to help me but simply can not, or they promise a resolution that never comes. Please help me. I do not know who to turn to.

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 2022-02-04
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: Personal information incorrect

Complaint:
Since XX/XX/2021 I have been trying to update the incorrect information that is reporting on my credit report. I have sent in my drivers license and proof of address which is attached to this. I receive no answer, nothing ever has been corrected. They only tell me its been verified, how can incorrect information be verified? Please look at the information I've sent as proof and delete all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: JPMORGAN CHASE & CO.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My Name is XXXX XXXX and I have been using XXXX ( XXXX XXXX ) for almost 4 years. I have my Chase bank debit card and account number linked to this app. I have never had any problems using this money transfer app. I send my roommate ( XXXX XXXX ) my portion of our house bill via XXXX XXXX every month. 
However, On XX/XX/2019 around XXXX, I tried transferring my portion of our bills ( {$380.00} ) to XXXX XXXX via XXXX XXXX. I opened my XXXX XXXX account, l went to recent activity, I selected XXXX XXXX name, which was on top my recent activity list, and I sent the money. He accepted it right away ; He replied with a thumb up. On the following day, while I was at work, my roommate, XXXX XXXX called me and asked for my portion of the bill. I told him that I had sent the money yesterday via XXXX XXXX, I told him that he even replied with a thumb up. He said, " let me check, I don't think I received any money or replied to you yesterday. After checking his XXXX XXXX account, he said to me that he did not receive the money. I opened my XXXX XXXX account and checked the transfer. I realized that there were two XXXX XXXX accounts. I knew right away that I was scammed because I have only been sending money to one XXXX  Account. I realized that someone created a fake account using my roommates information. The Scammer also appeared on my recent activity list, which I could not understand. I was confused and wondering how could his be possible. 
So, I contacted my bank, Chase Bank right after I got off the phone with my roommate and told them not make payment to the transfer. I explained to them the whole problem. The Fraud Specialist told me that they couldnt stop the payments or investigate the matter. I would have to contact XXXX XXXX and tell them to initial a dispute. 
I emailed XXXX XXXX ( XXXX XXXX ) and told them everything. They told me that they are XXXX XXXX is unable to initiate disputes with a customers bank on their behalf. 
After making several phones calls to Chase Fraud department and exchanged many messages with XXXX XXXX support group, both companies made it clear that they were not going to investigate my case. 
So, I did XXXX all weekend ( XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX ) to pay my portion of the bill. I made XXXX and I added other money that I had in my Chase account. I went to my XXXX XXXX   account, this time I was more careful, selected the right XXXX XXXX account, I transferred {$380.00} to his account. I was confident that this time he would get the money. Also, I had transferred {$20.00} to XXXX XXXX via XXXX XXXX on XX/XX/XXXX and it was successful. Unfortunately, the money went to the scammer. This was more confusing, because I selected the right account. I contacted Chase Fraud right away and XXXX XXXX. Both said they could not help. 
I lose a total of {$770.00} ( {$380.00} * 2 ). I will close both accounts as soon as I get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a private student loan with Navient, took out a loan for roughly XXXX and was told to move these loans away from the Federal Plan they were enrolled in and at the time of 2006 roughly. Recently had graduated and was struggling to live with the economic times and other debts so I listened to Navient and enlisted in the program they gave me not knowing I could have been paying {$0.00} dollars through a income driven payment plan. I have been paying off an on, on the loan for roughly 15 years of time and for the past 7-8 years have been more consistent with those payments but still own more than I have ever taken out roughly XXXX dollars. It is a never ending cycle. My husband and I our both XXXX in Virginia. I am a XXXX XXXX and am looking for help however I can get it. I know about the lawsuit with Navient and feel that I meet the criteria for loan forgiveness, but have no way of knowing if I am on the list or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: Duvera Billing Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i am an XXXX XXXX service member, and i had a transmission go out in my vehicle. i took my truck to a local shop to have the transmission fixed. the company had companies that they had that would give you a loan to pay for the repairs since i could n't afford it at the time, and i got approved with duvera. after a couple of statements, i saw that i was getting charged nearly 96 % APR and that was outrageous. i call the company and told them i was a service member and that i could n't get charged that much for APR and they said they would fix it but nothing has happened. i opened the account XXXX XXXX, 2015 and after 2 years I 've only been able to pay down about XXXX dollars from my original loan and its been 2 years. i still owe about 80 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-04
Company: MILEND, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX Account # XXXX is giving me a hard time reporting a 30 day late payment for XX/XX/2018. I have been a customer for over 7 years for XXXX XXXXXXXX XXXX where I have reached out to them and the 3 credit bureaus over 2 months ago and still haven't heard anything back regarding this late payment. See attached documentation below.

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 2020-06-23
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
signed up for a citibank account on XX/XX/XXXX under a promo to receive {$400.00} for setting up a direct deposit and maintaining {$15000.00}. Met the conditions but citibank isn't paying the promo.

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 2022-02-04
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sent {$50.00} to PENFED Credit Union in November 0f 2021 for membership in the credit union, along with membership, routing, and account numbers, received from PENFED, but I was never able to log in, so I was told that they could not verify that I was who I said I was. 
They had my money with the information supplied to me by PENFED. This log in problem lasted more than a month, I specifically asked for a return of my money and a termination of any and all business with PENFED. I was told that it would take a week.IT 'S BEEN months. 
I want my {$5000.00} dollars back and no further contact with PENFED.

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 2018-01-05
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my equifax credit report and affecting my credit score. 

1 ) Equifax suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) Equifax reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party. 
b ) Comments 2 reports : " payment is payroll deductible ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I used to have this credit card ( Chase Freedom ) account since XXXX XXXX, 2012. And it is one of my oldest accounts. I applied for a chase XXXX credit card and was declined. When I received the decline letter in the mail got also a card cancelation letter for my Freedom. for " number of accounts currently in use '' ; " too many accounts opened recently '' My credit score is XXXX. I did not do anything wrong. This is ridiculous technically they are XXXX my entire financial situation and credit record with no real issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Phoenix Financial Services LLC
State: LA
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:
my credit profile has been used illegally multiple times and the listed accounts are not mine. would you please remove these accounts from my profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Linebarger Goggan Blair & Sampson LLP
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice from Linebarger Goggan Blair & Sampson , LLP attempting to collect a debt for a expresstoll on XXXX in XXXX, CO. They listed a license plate that does not belong to me ( I've not been to XXXX in several years, and haven't lived there in more than a decade ). I called them and demonstrated that I live in North Carolina and not Colorado and the plate ( a Colorado plate ) could not belong to me. They continued to attempt debt collection. 

I then called XXXX. The representative stated that the picture of the plate was indecipherable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My apartment leasing company XXXX XXXX submitted this to their debt collection agency without allowing me to make payments. 

The debt collection agency refuses to also help may payment arrangements. 

Both XXXX and I Q Data have laughed about the fact that this will go on my credit report and do not care about helping. 

IQ Data representatives have harassed, hung up on me and threatened to ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
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 status incorrect

Complaint:
XXXX XXXX XXXX , XXXX reported my account with XXXX XXXX XXXX to Experian for {$170.00} in ERROR. The original invoice was paid to XXXX XXXX XXXX in XXXX, 2016. The invoice was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while covered by XXXX XXXX ie. Obamacare. I have attempted to dispute the claim online with Experian ... .THE WEBSITE WILL NOT RESPOND. THERE IS NO TELEPHONE NUMBER published on website or on credit report I received in the mail. The process for disputing the ERROR via traditional mail is ONEROUS and ARCHAIC with regard to level of personal information requested by Experion. It is obvious to this consumer that Experian is not interested in correcting errors on credit reports they publish.

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 2019-05-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 XXXX XXXX advertised the sell of a 3-day pass to the XXXX event page for the XXXX XXXX XXXX XXXX in XXXX, GA under the fake account name of XXXX XXXX. I contacted him over XXXX XXXX to purchase the tickets and he offered me the 3-day pass for {XXXX} and gave me his PayPal account information ( XXXX XXXX, XXXX ) to transfer the money and asked to send the transaction as " Family and Friends ''. I sent him the {$80.00} through PayPal and he told me that he would send me the tickets to my email ( XXXX ). After 30 minutes of not receiving the tickets, I messaged him again and he again assured me that the email was still processing since he had to change the ticket holder information before he could transfer them to me. After 45 minutes of asking him for the tickets, he blocked my XXXX account so I could no longer contact him nor see his information. I immediately called PayPal and issued a dispute for the transaction, but on XX/XX/2019 the dispute was denied by PayPal. I never received the tickets and a total of {$82.00} was withdrawn from my account. 
I would like to dispute PayPal 's review of the transaction as I immediately contacted them and issued the dispute for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 a XXXX XXXX phone bill that appeared on my credit reports, all 3. However I have only had an XXXX phone bill ever. I have never had any other company and this bill has to be fraud because it doesnt belong to me. I am more than willing to submit whatever I need to prove to them that this is not my account including my bills for att dating back to several years ago.

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 2021-06-09
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XXXX I checked my so-called credit score and I noticed a so-called unpair dent from a DEBT COLLECTOR : CREDITORS BUREAU USA The so-called original debtor : XXXX XXXX XXXX XXXX Had fraudulent reported my information to third parties, as a consumer I would like this fraudulent information deleted off my so-called credit score and I am seeking monetary relief.

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 2019-05-06
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
I booked a XXXX XXXX XXXX XXXX property ( XXXX XXXX XXXX XXXX XXXX ) over the phone with Amex Travel back in XXXX last year ( Itinerary for XXXX/XXXX  XXXX XXXX ), when it was the time all the properties are not bookable online and you have to call the reservation in order to book. 

I canceled the reservation on XX/XX/XXXX ( before the free cancelation deadline ) so I'm supposed to receive a full refund of {$240.00} charged on XX/XX/XXXX to my platinum card ending in XXXX. However, up until today I still haven't received the refund and every time when I called the same reservation center, they weren't able to locate the reservation in the system and only told me to wait for a few more billing cycles. 

I don't think I'll even be able to receive the refund due to the Amex 's faulty system, I'd like to escalate this issue so it would be properly handled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2018, an unauthorized ATM withdrawal took place for the amount of {$1000.00}. 
My Identity was stolen and I notified J.P morgan chase on XX/XX/2018, and requested a new Debit card. chase mailed the card and I never received it. on XX/XX/2018, someone used that card and withdraw {$1000.00} from my checking account, I received a mobile alert and instantly notified chase bank about the fraud activity same day XX/XX/2018. after their internal investigation chase denied my claim three times. I request a written explanation but they refused to provide any written explanation of the denial of my claim.

Company response to consumer: Closed with explanation