BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-26
Company: MARINER FINANCE, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received loan from Mariner Finance XX/XX/XXXX in the amount of {$3000.00}. Was told I could pay the loan online only through their website in any amount that I saw fit as long as I made the minimum payment of {$130.00} per month for 24 consecutive months. The first time I logged in to pay the loan amount said upward of {$5000.00} so I called and asked why and was told by rep on XX/XX/XXXX not to worry about that as I pay it will be reflected to show I only received $ XXXX -- plus  about $ 400- {$500.00} in interest once I reached the full term of the loan which I Planned on paying back in just three months. The next issue was that the website would not allow me to pay more than {$130.00} as a time so I was unable to put lump sums on this loan as I was initially told I could. There was also a few dollar fee to do so which worried me about even more about the dollar amount shown right from the gate. I was skeptical so I tried to cancel the loan and give the money back. I was told I could not do this. I asked a few months later in XXXX for a copy of the loan agreement because the interest rate somehow jumped approximately 5 % from XX/XX/XXXX to XX/XX/XXXX. I was told no that I should have my copy I originally signed and they don't keep record. That was weird to me. I stopped paying the loan after paying approximately {$2100.00} in XX/XX/XXXX after numerous attempts at getting answers. The debt is now showing on my credit file as delinquent in collections and in the amount of {$2900.00}. I have been reaching out via email as so to have documentation of my claims for the past year with not one response. I want this tradeline removed from my credit reports as it is misrepresented in a myriad of ways.

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 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
To Whom it may concern, On XX/XX/2019 my entire wallet was stolen, including my credit cards, IDs, and money. Two purchases were made that were fraudulent. These purchases include one to XXXX XXXX for {$48.00} and one to XXXX for {$160.00}. I have contacted the Bank already and have filed a fraud dispute with them and the charges are still pending due to the fact that they were fraudulent. In addition, I was told by XXXX XXXX a charge was made to XXXX XXXX XXXX XXXX for over {$500.00}. This purchase has not appeared on my statement or on my credit report. However, the two purchases for Bank of America have been posted to my credit report, yet are still pending on my credit card statement.

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 2017-12-08
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
I have an american express card that I made a payment to the wrong account ( there is only one number different between the last 5 digits of my account versus my husbands account ). There was a large credit to his account, we never recieved a call or notification despite them having all information about all accounts, my account was reported as late, and this went on for several months before I was sent their internal collections, XXXX. Since signing on with XXXX, XXXX continued to report my account as late even though every payment through them was made on time and even additional payments were made. Once I realized that the ongoing negative reporting had continued I spoke with XXXX, eventually got through to a supervisor of their Credit Bureau Unit who agreed that this was very messed up and felt that this was handled poorly and recommended that I speak to the Care Team and file a complaint and request a re-aging of the account. She transferred me and the representative took my name and number, told me that the Supervisor of that department would call me back and I never recieved a call. 

The following week, I again made several phone calls and began filing a complaint with the Inquiry Center whose representative, XXXX, was very helpful, agreed to file the complaint and reverse the credit to my husbands account and submit for a re-aging of my account and we were disconnected. I called back, was transferred 7 times, was assurred that I could not be connected with the exact representative, was transferred 4 more times and then told they could not talk to me because my account was in collections. 

My husband called and was finally able to speak to a customer service representative who stated that he saw all of the notes in the records, would complete the reversal of the credit from his account to my account, reverse all of the late reporting and that given my husbands permission to discuss this with me, that he would call me back within 10 minutes to confirm the agreed upon action. We again, have never recieved a call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is XXXX XXXX. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the XXXX XXXX  reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
XXXX XXXX does not care about its customers and is rated very poorly.

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 2018-06-21
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
After several times of contacting Experian to investigate these negative accounts, they have yet removed them off my credit report. I asked them plenty of times to verify that the account was mines by sending over the original contract, invoices, or any other legal documents that proven the alleged debt is mines. I also asked for the name, address, and telephone number of each person who personal verified the alleged accounts. Because a employee looking at a computer screen seeing my name on a list in the database is NOT verifying or validating a alleged debt. Also there are a lot of inaccuracies with these negative accounts that do not make sense. Under federal lawsuit XXXX v. XXXX XXXX XXXX 1997, Experian must contact original creditor to investigate and resolve the issue, not me. Attached is the response from Experian for the alleged debt and my dispute letters that highlights the inaccuracies with the account. This will be my last attempt to contact Experian and if the accounts are not deleted I will be forced to take them to small claims court.

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 2019-01-26
Company: Bread Financial Holdings, Inc.
State: NJ
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:
I paid my total balance due on my credit card for XX/XX/XXXX ( the very day the bill arrived ) by phone payment ..by check. the message said your payment has been accepted amount XXXX. On the next bill arriving XX/XX/XXXX I was charge a XXXX fee for the balance not paid and non payment fee. so the XXXX. XXXX was added to the new charges for XX/XX/XXXX. I promptly paid the old and new amount complete by check. it is now accepted. I filed a complaint with NJ banking and insurance ( they are referring case to you via S. Case, XXXX XXXX XXXX XXXX ) and was contacted by XXXX Visa by several letters that say nothing. paragraphs about how they are reviewing it and we are not promising any refund of the XXXX. Point is I had no idea visa didnt get payment or if it is even true. they had 17 days to inform me the payment did not go through before the XX/XX/XXXX due date. I could have sent the payment again. I found out of the fee on the next bill 28 days later. I am saying that they found with the big stock market crash late XXXX the best way to charge up lots of revenue for the end of year impose fraudulent fees on customers to balance out. I am sure it is that and I will not pay the fee, but many will. This need investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Navient Solutions, LLC.
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 have a student loan with Navient. I've been paying on it for 5+ years and my balance has not decreased. I feel this is a negative amortization loan and I was not aware of that. I also think that certain payments I have made have not been applied correctly to my principal. I looked at the payment history and none of my regular payments have any portion applied to my principal. If I want to refinance this loan to another lender then the balance I transfer is higher than it should be after paying for 5 years. All I've been doing is paying interest and my principal has not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: ALLIANT CREDIT UNION
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: Account status incorrect

Complaint:
I have an account that was closed in 2016 but recently i noticed a 30 day late pay show up. It shouldn't be possible to have a late pay show up on an account that has been closed for 2 years. I have tried to have the bureaus correct it but had no success. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Diversified Adjustment Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XXXX XXXX -- -collection agency Collecting for XXXX XXXX a charged off account Called last night XXXX XXXX XXXX, XXXX ) and would not identify where they were calling from but asked for my information. Caller said, " I will call you tomorrow. '' XXXX called today XXXX XXXX XXXX, XXXX approximately XXXX ) and asked for me by name. I verified who I am and my address when XXXX said it. 

I asked where she was calling from and what the call was in reference to. She stated the total and I asked how I would contact the company to verify this was an actual debt. She said, " You would have that information, but I have an original account number. '' I repeated the account number and let her know that I would need to contact XXXX. She again asked how I would be paying for the debt and stated the total again. Then said, " They are only going to tell you that it 's a charged off account and you need to pay the total. '' I repeated that I needed to contact them first, and XXXX said, " So, you are refusing to pay your debt? '' I said I was not refusing but wanted to verify and as she cut me off saying, " It sounds like you are refusing to pay your debt. They have sent you information on your debt and you need to pay it. '' I asked for her name and which she said for me and that I still needed to pay my bill. I tried to verify the name of the company she worked for and she hung up on me. The caller last night and XXXX, today, were aggressive, combative, insensitive, and unprofessional. In light of recent credit card scams, they should have been more professional about handling my case.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Experian Information Solutions Inc.
State: MO
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:
Experion XXXX & XXXX are reporting accounts that I have no knowledge of.

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: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
around XX/XX/2020 i received an alert that my checking account was close pending. I proceeded to go to a Chase Bank branch and spoke to teller about the issue. The teller was able to open a new account and transfer the funds from the old account into the new one. Everything was fine with the account.Two weeks go by and on XX/XX/2020 i see that the bank has withdrawn my initial two deposits from my new account, causing it to be over drafted. What the bank has told me is that the system issued the close pending check for the old account using the funds from the new account. Today is XXXX XXXX and i am still fighting the bank to release my money back into the account, and every time i speak to some all the do is escalate the review and tell me to wait another 2 or 3 days. I just got paid on XX/XX/2020 and i did not get to see XXXX penny of that paycheck because of the over drafted account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already been to court to pay this debt. XXXX XXXX XXXX made a mistake charging my account with utilities in advance, that was the reason to charge Astronomic fees, also they dont received my current payments. The only way to dispute this was on court. I went to court on XX/XX/XXXX and Plaintiff was pay In full for a total of {$2100.00} on XX/XX/XXXX XXXX see Ecase view through Court : XXXX XXXX XXXX . The court records indicate that I already paid in full the Correct balance. No Absurd interest fee for negligent billing procedures in XXXX XXXX. The records that you provided show that the credit first opened in XX/XX/XXXX and was first reported XX/XX/XXXX ; four and seven months, respectively, after the debt was paid in full in court. 

I am requesting that this information be corrected. There is no reason as to why the credit charge is in a status of collection. it makes no sense, and the timing of the reported date makes even less sense. Given the due process of the law, XXXX XXXX had every opportunity to charge in court more or less than the amount they claimed, but they didnt, so I see no reason as to why they should decide to do it later by Ideall collection services.This is a clear fact how they act, they abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I purchased two {$50.00} XXXX XXXX & XXXX XXXX Gift Cards from retailer XXXX at their store in XXXX, LA. The cards were purchased using my Chase Sapphire Checking Account Debt Card at one of the self-checkout registers. The transaction posted to my bank account but I found out days later when I gave the cards to a family member that the cards were not activated. 
After checking my XXXX  receipt, it shows on the line item details, Invalid Barcode but it still allowed me to pay for the gift cards without activating the gift cards. 
I have been back to the retailer 3 different times now to try and resolve the matter, each visiting taking an hour or more. I have been referred to XXXX gift card customer support department by XXXX  customer support department and viceversa. Both companys support representatives say that their is nothing that they can do and that it is the other retailers responsibility to fix it. 
Today, I went one last time to the XXXX  store which I purchased the gift cards and asked to speak directly to the store manager. She was unable to help me and then sent out the Asset Protection Supervisor ... ..his name is XXXX and his statement was, There is nothing we can do to fix this for you because it shows that the transaction went through our system and if the wrong barcode was scanned it shouldnt have let you complete the purchase. 
After showing him that the receipt indicates Invalid Barcode and the transaction being completed dispite the wrong barcode being scanned, he said I dont know what to tell you. There is nothing that we can do. I asked to speak to his supervisor, and he said that his supervisor, XXXX, wasnt working today ( XX/XX/XXXX ) and to try back Monday at XXXX. 

I can not get my money back, and even though I no longer need the gift cards, I would still accept XXXX  issuing me new gift cards or activating the ones that I paid for. 

XXXX  Reciept ID # : XXXX Purchase Made with Card Ending in XXXX Card Holder Name : XXXX XXXX Amount of Purchase : {$90.00} Time of Purchase : XXXX CST Date of Purchase : XX/XX/XXXX XXXX  Store : XXXX XXXX XXXX , XXXX, LA XXXX XXXX Store Phone # : XXXX *Note - I was only charged {$90.00} for two {$50.00} Apple XXXX & XXXX XXXX Gift Cards because XXXX was offering Buy One get the second One 20 % Off, which was a discounted value of {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: M&T BANK CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have gone through a trial modification of my mortgage for the past year and a half when i sent my mortgage payment to M & T bank they sent the check back stating my home was in foreclosure since that time i have sent them proof of my cancelled checks and they have just been dogging me around

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 2019-01-26
Company: FIRST NATIONAL BANK OF OMAHA
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Before the end of 2018, them my fianc and I changed, partly due to my identity was stolen and issues with our bank which is another story. So when I set up the auto pay feature on this account because we have two accounts with our bank, I mistakingly flubbed up the account numbers and I got them confused so I bit some pieces from each account number in the other one and it took a month or two to figure out why the payments werent going through, which leads me to now, twice in XXXX I called and we figured out that the account number was one digit off I was told that it was changed in the auto pay, and I was good to go, so the auto pay happens does not make the total minimum amount due only pays XXXX dollars when it shouldve been XXXX and I had been trying for at least two months to call and change the account number from the payment account and I was told it was done hum, and then the payment still werent going through, that disable the auto pay without being told it was XXXX therefore it wasnt automatically making payments, - I call just several days ago and still have not heard anything back of whats going on and now that you have marked our credit report as delinquent and they are the ones flubbing it up now - It is not our fault that the auto pay did not work as it should - What sport the original phone call was I tried to make a payment online and it wouldnt let me I have a screenshot of that as well that I will include

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