BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have had a credit card with Chase Bank since XX/XX/XXXX. I have never had a late payment or a returned payment. I make several payments on the card monthly. Since XX/XX/XXXX Chase will post the payment to my account/make credit available and then the next day put the payment on hold and remove the payment from my available credit. This causes issues because purchases start to be declined. Chase gives me no justifiable reason why they done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
In XX/XX/2020 I placed a deposit for a motorcycle rental in XXXX XXXX XXXX XXXX. Due to continued COVID travel restrictions, I have been unable to travel to XXXX XXXX since making the purchase. When I contacted American Express, I was told that I should attempt to first deal directly with the merchant. After months of negotiation, the merchant remains unwilling to provide a refund, and given the travel restrictions imposed on XXXX XXXX by the U.S. government and XXXX XXXX government I haven't been able to travel to XXXX XXXX. I will unable to ever use this motorcycle rental deposit at this point however, American Express is now unable to provide a refund because more than 60 days have elapsed since the purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX XXXX my card was charged 5 times {$960.00} for " XXXX XXXX XXXX bill Payment '' for a total of {$4800.00}. These charges are outright FRAUD - I never had any business with them either. Coincidentally ( or not.. ) Chase abruptly closed ALL my accounts with them by the time the charges posted to my account ( XXXX XXXX ) and before the statement closing date. When I called Chase card services to report fraud and being transferred from rep to rep, I was advised that since my account is closed they could n't access my account to report these charges, and I need to mail or fax in to correspondence dept. I did exactly that, faxed a brief explanation of the fraud charges including my account and contact info along with a copy of the statement outlining the charges in question. More than 4 weeks passed and no answer or update to my account - the charges are still there and accumulating interest. On XXXX XXXX I called chase to get an update on those fraud charges, after all transfers I ended up speaking with XXXX from XXXX, supposedly a supervisor from senior support specialist - the only ones that can access my account - and her resolution was NO MORE OR LESS, that since my account is closed, AND their department ca n't report fraud AND the fraud department ca n't access my account, It 's tough luck ( on?? ) and the fraud charges are staying on the account!! It sounds crazy but this is reality.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Chapter XXXX bankruptcy dismissed and no longer held against me

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 2019-08-21
Company: Bonneville Billing and Collections
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have emails and recorded phone calls dating back to 2017 proving retaliation, abuse of authority, refusing to remove fraudulent information from my credit report, failing ( refusing ) to  provide updates on status of investigations. The Office of Consumer Affairs, in XXXX, GA, has discriminated against me. The staff is unprofessional. They have intentionally refused to remove fraudulent information from my credit report. 

I am specifically requesting an agent with CFPB contact me to investigate XXXX, and specifically its Office of Consumer Affairs. The XXXX American customer service representatives : XXXX, XXXX, XXXX, XXXX, XXXX, and others have violated my rights since XX/XX/2017. Theyve continued to allow companies like Bonneville Collections and others to put fraudulent collections on my credit report. These customer service representatives will put fraudulent addresses BACK on my credit report that have been previously disputed and removed. 

The prejudice, discrimination and racism Ive endured since XX/XX/2017 by the Office of Consumer Affairs has taken a toll on my health. Im under extreme duress by their continued attacks. They use their positions with XXXX to appear that theyre following the law and responsibility of the office, however, they are not. They are bullies. They are quietly and discretely attacking my credit report and credit score.

Currently there are 3 hard inquiries on my credit report that were not requested by me. I did not authorize these inquiries. There is currently 1 fraudulent collections item from Bonneville Collections on my credit report. I have been reporting fraudulent collections actions on my credit report for 3 years consistently. I am consistently dealing with the same customer service representatives in the office of Consumer Affairs. For the past 3 months Ive been fighting to remove the fraudulent collection action by Bonneville Collections. XXXX has merely relied upon a statement submitted by Bonneville Collections that the debt is valid. There was no evidence that submitted proving that the debt is valid. This type of action, by XXXX Office of Consumer Affairs has taken place since XX/XX/2017. 

The actions of the Office of Consumer Affairs via XX/XX/XXXX are harassing me. Their conduct should be illegal. When I contact XX/XX/XXXX, when my social security number, address, and date of birth are verified by representatives in another country, I am always transferred to the Office of Consumer Affairs. There is something in XX/XX/XXXX system that requires me to be sent to the XXXX Office of Consumer Affairs. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of this year, my husband and I had gone under contract and put down a deposit to purchase a newly built home through a builder. At the time, my mid-score used for qualifying on a conventional loan was in the 670s. Our closing was scheduled for XX/XX/XXXX of this year. In preparation for closing, my loan officer needed to pull a final credit report since the original one had expired after 120 days. On XX/XX/XXXX, my loan officer had pulled what shouldve been my final credit report. This was followed by a call informing me that my score had significantly dropped to a XXXX and that I no longer qualified for a conventional loan since the required minimum scores for a conventional loan is a XXXX. She had indicated that I was currently 30+ days late on my Kohls credit card. I informed her that would be impossible being my account is setup for automatic payments and I hadnt received any notifications telling me otherwise ( Ive included a copy of the page from my credit report pulled by my loan officer showing Kohls being 30 days late ). Upon her advice, I contacted Kohls on XX/XX/XXXX and inquired on the late payment and marker that was reported for the month of XXXX. The rep who I spoke with had informed me that they dont see anything on their end showing this account was ever late. I was instructed to write a letter addressing my concern as well as dispute this information with the bureaus. The issue at hand is that I dont have any time whatsoever to wait 30 days for an investigation nor do I have time to mail a letter in hopes for a quick enough response. The builder was able to provide me until XX/XX/XXXX to close ; however, stressed the fact that my deposit of {$23000.00} is in jeopardy if this isnt rectified and closing is missed ( Ive included a copy of the sales agreement addendum which had my last deposit made to support my claim ). I have not located my original closing letter and I have not been provided with an updated letter ; however, Ive asked my lender to please type a letter of confirmation stating what my closing date initially was and currently is. This is for nothing more than to solidify the sense of urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
I had a XXXX XXXX card via XXXX and I had noticed that there was an account that was reporting on my credit report with a number I was not familiar with and I submitted a complaint that my card or identity had been used to get a fraudulent card. I was very upset and concerned and the matter was addressed over the past 7 months. XXXX XXXX  was actually opening up new account with new account numbers every time I called or wrote or disputed the unknown numbers and not telling me that these were in fact the same account until XX/XX/2018 and after multiple phone calls, FTC report and multiple investigations when I finally contacted the " executive office '' it took so much time that I actually lost nearly 3 days of work time working on correcting the issue and WAS NEVER NOTIFIED each time they assigned a new number for my card therefore I believed that someone was opening multiple accounts with my information. It was impossible to talk to anyone who understood my concerns and could never get a last name or direct contact when I called back and had to repeat my story over and over again. Not only was this incredibly upsetting and harmful, my credit scores have been compromised for over 8 months during these investigations. I am overwhelmed with what it has taken to understand what was going on and had multiple employees get angry and even hang up on me. I am appalled as I have had many XXXX XXXX  accounts over the years with absolutely no issues. This has been extremely harmful, I have been denied 2 loans and multiple credit cards and I am paying very high fees for insurance. I was even denied employment from a company that I excelled in the interview process and most likely was told my credit score hurt me. The variety of events that this affected has cost me embarrassment and well as financial hardships.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 19th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In early XXXX, there was a huge lawsuit against Navient from the state of California to wipe out private loans for those that attended the listed " for profit '' schools throughout the US in which one of the schools listed is XXXX XXXX University that I attending from XXXX. After reading an article about this lawsuit, I was expecting a letter for some or all forgiveness of my private loans but I received a statement of payment instead. I called Navient why my private loan was not part of the lawsuit and they mentioned it was because my loan was not in delinquency therefore my loan was not a part of the lawsuit. I explained to them that if I had not attended school in the past 2 years, my loans would have been in deliquency as my loans were in forbearance for several years because I couldn't pay what was expected from Navient. They tried to tell me that I would be able to pay off my interest only for 6 months for about $ XXXX month but even that isn't manageable for me. I asked them if I could someone come to the agreement of paying XXXX or XXXX a month toward my loan but they said I can but it would still put me in default. Since then I have not been able to make a payment and am now 5 months behind so recently they sent a letter that they are going to take legal action. I don't understand why my loan was not a part of the lawsuit. Despite the status of my loan, the lawsuit that won against Navient were allegations against the for-profit schools that took advantage of borrowers by adding illegitimate charges and predatory lending practices. I graduated in XXXX with XXXX in debt and now I am more than XXXX in debt in which I will never be able to pay off. Please see the link below about the lawsuit. 

https : //www.navientclassactionlawsuit.org/do-i-quality-for-navient-settlement/

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Receivables Performance Management, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed up for XXXX XXXX  and did so via chat so that I would have written record. I have supplied copy of written transcript to XXXX XXXX as well as Receivables Performance Management. I have also supplied them with copy of XXXX receipt showing that their equipment was returned. Although, I know the debt is not for either of those things, they will not tell me for what they are trying to collect. I have excellent credit and this is affecting it and causing me much worry. Please, help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: MOHELA
State: NY
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:
I recertified my income for Public Service Loan Forgiveness with MOHELA in XX/XX/XXXX. On XX/XX/XXXX, they told me that my form had been processed, but none of my payments for XXXX have been correctly certified as qualifying. On XX/XX/XXXX, MOHELA told me via message they would review and process a correction within 14 days and that they would notify me when the correction is completed. To date, they have done nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-08
Company: EQUIFAX, INC.
State: SC
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:
On XXXX 2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected and deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$990.00}

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 non-monetary relief
Consumer complaint received 2019-09-05
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Beginning in XXXX of XXXX, the mortgage I had with XXXX  XXXX XXXX was sold to a third party and maintained by M & T Bank. By XX/XX/XXXX, I began receiving calls from M & T Bank stating the mortgage account was past due. I explained to each representative which called, the account was not past due as all payments had been made. In XX/XX/XXXX, M & T Bank began refusing payments, stating the amount had changed ; which I had not been informed of. Then in XX/XX/XXXX, I received notice M & T Bank had begun foreclosure proceedings. At this time I began attempting to resolve the issue, with zero efficiency as no lawyer would consider taking the case. In XX/XX/XXXX, I attended the hearing as a last effort to stop the foreclosure proceedings, but was told by the judge the foreclosure was confirmed and the bank had only need to have the XXXX XXXX schedule and conclude a sale of the property. This occurred in XXXX of XXXX. During the course of the proceedings, I continued to get the information I needed from XXXX  XXXX XXXX proving what I had informed M & T about from XXXX. In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX stating they had made an error during the sale of the mortgage.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-06-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
When trying to make payments, I was unable to cancel automatic payments. Although I did initially turn off auto pay, somehow the feature was turned back on ( not by myself ). This caused several payments to attempt to withdraw from my account in which there was n't funding for the payments to be made. I called about the issue many times but no change occurred as result I was charged {$2000.00} in fees by Chase. A total of 85 attempted payments incurred fees. I would like to pay my credit card in one full with one payment. But I will be unable to do that with {$2000.00} added to the {$1000.00} limit credit card.

Company response to consumer: Closed with explanation