BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-07
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On or about XXXX XX/XX/2018 I opened three accounts ( Checking, Savings and Business Checking ) with Chase Bank downtown XXXX, Wisconsin ( XXXX XXXX ). The very same day I took the necessary steps in utilizing Direct Deposit with Social Security Administration and Chase Bank. 

In the months of XXXX, XXXX and XX/XX/2018 I still received Paper Checks from SSA. On or about XX/XX/2018I contacted Chase Bank and spoke with Its Bank Manager XXXX XXXX XXXX and he claimed that SSA was at fault for Discontinuing the Direct Deposit. I disputed that assertion and or allegation by explaining to him that SSA Promotes Direct Deposit and XXXX XXXX XXXX. He then informed me that he will make sure that I receive the coupon for the {$200.00}. XXXX Dollars the XX/XX/2018. 

The issue is this.. Chase Bank is Providing {$200.00} Dollars for New Customers that Deposit at least {$500.00} a monthly via Direct Deposit within 90 Days of opening a Checking Account.I meet that requirement. I strongly believe that Chase Bank Discontinued the Direct Deposit in order to Prevent Issuing the Coupon for {$200.00}. XXXX Dollars to myself. I Should have received the Coupon in the month of XX/XX/2018. If, I had not contacted Chase Bank nor SSA or waited too late I would not be receiving the Coupon. I Strongly believe Chase Bank 's actions are a result from XXXX and or XXXX. I am a XXXX Man. In addition, I have issues with XXXX XXXX   as well. See Complaint No. XXXX with this Entity and or Organization. In my experience here in the State of Wisconsin ... Most White People not all.. Support each other right or wrong when it comes to XXXX People. To Punish and or Discipline Us When We Challenge Them and or Exercise our Constitutional Right ( s )! 

The thing about myself I represent Positive Change among XXXX People here in the State of Wisconsin and or the City of XXXX Wisconsin. I've overcome a life of XXXX XXXX, XXXX and addressing my XXXX XXXX XXXX. In which in their demented mind is a Threat To Their System Here Against XXXX People! They don't want us to have Nothing but what they want us to have.. But want us to have Nothing! But will take our Monies as long as they can and or until they meet their personal and or political goals and or agendas. See 2 page legal instruments enclosed. Yes.. I waited this long to prove, establish, demonstrate and substantiate my allegations and or assertions. It's not what I know.. It's what I can prove. Thanks. Be Safe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I CHECK MY CREDIT AND I CANT BELIEVE WHATS GOING ON WITH MY CREDIT I DID NOT AUTHORIZE THESE ACCOUNT IN ANY WAY I WANT A FRAUD ALERT ON MY CREDIT FILES I REFUSE TO BE A VICTIM OF IDENITITY THEFT I WANT ALL OF THESE FRAUD ACCOUNT REMOVED AND BLOCK FROM MY CREDIT FILES THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Two separate deposits to my PAYPAL account were placed on an extended hold without prior notice. 

One transaction was placed on a 21 day hold, because PAYPAL suddenly decided I was a " New Business '' even though I was not a new business or even a business. There was no previous warning when i had deposits to this account. 21 days is a random and extended amount of time to withhold funds. The sender sent this money on XXXX XXXX. Paypal further told me that the person who sent the funds could " complete '' the transaction by approving on her end, however she has no such ability to do this as it is not offered to her and Paypal is lying about it. 

The second transaction is from a person who sends funds on a regular basis and Paypal put a 10 day hold on it because they said it was a check or paid from a checking account. 

This is ridiculous, as banks aren't allowed to hold funds for that long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was told by Navient that I needed to consolidate my loans and go on forbearance during that process. I was not sure if this was the correct answers and since have been working directly with the Federal Student loan department and now feel that I am finally on the right track to help my family get out from under this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: FC HoldCo LLC
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: Account status incorrect

Complaint:
Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late. 
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month. 

On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation. 

XX/XX/20 I received notification from XXXX  that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.

I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.

I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.

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 2019-10-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX has reported my name in error conjunction with a collection account. This reporting has been on my credit file since 2014 and has cost me financially due to incorrect information being reported and maintained by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
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: Their investigation did not fix an error on your report

Complaint:
I have disputed for 4 months with no results andy rights being violated as a consumer. I found multiple inaccuracies and FCRA violations which i brought to each bureau 's ( XXXX, XXXX and Experian ) attention and Not only did they not delete these accounts but they never sent me a response at all within 30 days after receiving my disputes. 

I have attached the accounts with all the violations listed with pictures of these as well. 
According to THE FCRA these accounts must be deleted but for some reason these companies think that they're above the law and dont do what is required of them. 
These accounts are creating damages in my personal and financial life due to their false reporting and I need it fixed immediately please.

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 2020-09-25
Company: Experian Information Solutions Inc.
State: NC
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 received two alerts from Experian on XX/XX/2020. 

1. Credit Rating Decrease - You credit rating has changed from Exceptional to Very Good. 

2. Score Decrease - Your XXXX  Score has decreased by XXXX points. 

My " XXXX '' credit score decreased to " XXXX '' for no apparent reason. There is no derogatory information on my credit report, therefore, I can't dispute this online, and Experian employees don't answer calls to the telephone numbers that are provided online to consumers. This is Catch-22.

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 2018-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed a collection account showing on my credit report now for more than 3 plus years. The result has always came back as stating the consumer dis agrees from both company and XXXX XXXX and XXXX. 
I have only had 1 XXXX XXXX account and my credit reports state that as well and that the account was paid, never derogatory and closed at Consumers request. Dispute all of my evidence that proves that there is not debt to collect, this debt still lives of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: CITIBANK, N.A.
State: CA
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:
While checking my personal credit report, which I acquired fromXXXX, XXXX. I noticed an unauthorized inquiry made by your company CITI CARDS/CITIBANK Cbna on XX/XX/2018 and XX/XX/2018. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.

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 2019-06-20
Company: AES/PHEAA
State: IL
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 had a remaining balance due to AES that was consolidated with a loan I had with XXXX sent to a collections agency I was contacted by this collections agency XXXX XXXX, I paid XXXX to XXXX XXXX to pay these XXXX XXXX off. I spoke with XXXX XXXX at the company and they were to send documents to both loan holders that the loans are paid off. Only Illinois XXXX XXXX XXXX has remover the default from my credit and shows my payment paid. AES refuses to make any changes on my credit. And they still are trying to collect the same amount now from a different collection agency. This is ridiculous. My name is XXXX XXXX. My SS # is XXXX please help me clear this up with this loan causing problems with my credit scores I have paid this off and they refuse to allow me to pay off this loan. Yet will continue to report it delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX has claimed on two separate occasions that their turn around for loan verification is 3-7 business days. After 4 calls and now a month of waiting, I still have not received my loan verification form for my employer. I need it because my employer, as part of my employment, pays for part of my monthly payments. They only pay for the months going forward after the paperwork is finished, therefore I am paying out of pocket for loan payments that my employer would have picked up had the paperwork been returned on a normal schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/19 & XX/XX/19, we requested payoff amounts of the Credit Card for XXXX year old XXXX XXXX. We spoke to a live representative. As XXXX 's POA, I engaged XXXX on the call. We paid off the entire balance and closed the account. XXXX dropped off the call after she was validated by the company. We requested the company change the address as she was moving. They would not do so without her back on the phone. We attempted 3 more times, but experienced excessive hold times ... we were eventually successful to change the address in XX/XX/XXXX. Due to moving and her husband 's XXXX she was forced to move again to an XXXX XXXX. 

On XX/XX/XXXX, I received the first forwarded statement for the XX/XX/XXXX time frame and it reflected 4 Mo 's of late fee 's on the {$48.00} Interest payment, that came after the " payoff amount '' was given to us on XX/XX/19. 

We spoke to " XXXX '' and then her supervisor " XXXX '' about this situation. They insisted they were not authorized to waive the excessive late charges which amounted to 329 % over 4 months. Despite of us explaining the situation and the challenges we had with customer service, they advised that their system would not help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had mortgage with PenFed Credit Union which we refinanced with them ( same company ). They held the old mortgage and are now holding the refinanced mortgage. Closed on the refinance on XX/XX/2021. We were charged 19 days of prepaid interest for XX/XX/XXXX- XX/XX/XXXX and paid 19 days of interest on the closing statement ( XX/XX/XXXX - XX/XX/XXXX ). That is a total of 38 days of interest for a month with 31 days. When the escrow balance was refunded ( check received XX/XX/2021 ) PenFed refunded 2 days of interest paid on the old mortgage. They still owe us at least 5 days of interest. I called them on XX/XX/XXXX about this and have gotten no where after many hours of trying to have them deal with this. I have included the latest email from the person at PenFed who said he would get back to me on XX/XX/XXXX. He has never gotten back to me and the only time that he did was to respond to me asking what the status is. I have included that email with the back up I am attaching. Note : the same company held the original mortgage and now holds the refinanced 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 2020-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Choice Recovery, Inc.
State: OH
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 filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$300.00}, {$1000.00}, {$700.00}, {$1100.00}, {$510.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

4. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account. 

5. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: DISCOVER BANK
State: MN
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 a personal loan through Discover Card. No early pay off fees, no penalties. 
My payments are due on the XXXX or XXXX of each month but i can go in and change the dates as i see fit. I '' m current and never missed a payment so i have this opportunity. 

On XX/XX/XXXX, i went in and said to make my payment of {$650.00} per month on that date. I received an confirmation for this and said that funds would be withdrawn on that date. Today is XX/XX/18 and they were JUST removed from my account. 

XX/XX/2018 {$650.00} XXXX XXXX XXXX Pending This is the 3rd time this has happened and they 'say ' that it was corrected the first two times. However, when i brought it to their attention this time, no change. So i am paying interest from XXXX instead of XXXX. This might not seem like a big deal but my loan is at 19 % interest and it's for XXXX. PLUS, it's not right that they don't process the payments on time and when requested!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX  XXXX I XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at XXXX and experian they wouldn't take care of the negative inquiries reporting on my credit report

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