BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-13
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:
Saturday, XX/XX/2019, I went to XXXX XXXX, XXXX, NY ; XXXX XXXX   for a dress. I was charged {$41.00} ; I was credited and charged a second time, then was unable to be charged. I called Chase and the customer service representative said that there was only one charge made at XXXX XXXX. I left the store and checked my Chase Bank account ( checking/Visa ) Sunday and Monday XXXX XXXX/XX/XX/XXXX, my account ( checking/Visa ) was still correct. 
On Tuesday I went to get a coffee and the XXXX XXXX cashier said my card was declined! I looked online and saw that my account was ( minus ) {$18.00}! I l called Chase Customer Service @ XXXX ; she said I had to file a claim because the store had charged my 465 times {$41.00} and CHASE LET IT HAPPEN! Chase called me back at XXXX XXXX and the claim rep said I had to call XXXX, that they can not do anything.. I let her know that I expected my money back and let me know what was going to happen. I spoke to XXXX at XXXX, the District Manager, XXXX answered, I told her what happened she said she would speak to her Manager and get it figured out. I waited and neither company called me back. At XXXX I called Chase and XXXX and left messages. I called Chase back and was given to a Claims Supervisor, XXXX, she stayed on the line with me for about 1:30 minutes working on resolving the issue but was unable to do all of the reversals because her computer would not let her access that many. I asked for her to call me back when it was figured out, she said probably not till Friday. I have NO MONEY, NO CHECKING ACCOUNTNOTHING! 
I spoke to XXXX corporate office in California and XXXX XXXX was trying to figure out a way to have my money refunded to my account that same day, Tuesday XX/XX/2019. He stayed to contact with me and had a meeting with Chase. Later that night around XXXX money had been credited to my account. I checked that next day Wednesday XX/XX/2019 and it was a little bit off but seemed as though everything was getting settled. Then I woke up today Thursday XX/XX/2019 and my account is now minus XXXX. XXXX is still charging me over and over again for the same dress, the same transaction number and it is not stopping and CHASE IS STILL LETTING THEM AND NOT EVEN CALLING ME! You will see some of the thousands of transactions being made. I included several pages but not all because the first time it was 465 times at XXXX and now today 1,000 times at XXXX!! 
This is why I am contacting your department. Please help me. I have NO MONEY, NO GAS IN MY CAR AND THEY ARE STEALING FROM ME! 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-17
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I requested validation of CHASE mortgage account on credit report. I recieved correspondence back stating they were unable to validate due to the account being apart of bankruptcy and would violate privacy laws. I requested them to remove, on 4 occasions, they refused. Please remove as it is affecting my ability to obtain new credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I am a former XXXX XXXX with one of the largest financial software companies. 

I am Chase Sapphire Reserve and Chase MileagePlus Explorer credit card customer, and continue to be fully opted out on all Privacy Preferrences, i.e., Creditworthiness, Non-affiliates, Affiliates, and given we are located in California, Chase Companies and Chase Affiliate Companies. 

Chase Sapphire recently sent us an offer with Balance Transfer checks, preprinted with our names and addresses. This offer was sent from Mr. XXXX XXXX, General Manager, Chase Card Services. 

This is a Privacy violation in that : i ) we are fully opted out, and ii ) Balance Transfer checks are not suppressed in their opt-outs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have notified this and multiple other agencies that have attempted to collect the same debt that it was already paid off. I have sent numerous faxes, emails and spent countless hours explaining I have already paid this debt off in XX/XX/2012. Yet, periodically, I continue to be contacted by this and multiple other debt collection agencies.

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 2020-06-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian has Experian boost which allows us to add on our utility bills to our credit and increase our credit. I called them Numerous times to find out why my bank isnt working. They said to contact the bank and theyve said its On Experian side Ive been very patient and asked numerous time to no avail. I want this fixed

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 2021-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/XXXX I have been trying to get approval to Short sale my home as I can no longer afford Due to XXXX and XXXX  issues and I owe more than its worth due to the several modifications since XXXX. My original XX/XX/XXXX Interest Arm loan from XXXX was the reason for the XXXX Market crash. When I said I need to short sale, I was told I need to be denied a Modification before a Short sale is allowed. Bank of America and XXXX transfer back and worth thruout the years making even more difficult to fix issues. Especially when they transfer 1st loan only. So I now need to deal with 2 different Companies to get approved for Short sale. In the past BOA has delayed things on purpose and they are doing it again. It took them 6 weeks to approve my County Authorization to help me. They gave them the Application of Mortgage Assistance to complete and then a few days later Im notified that BOA is transferring to Shellpoint in 2 weeks and I have to wait till they have it to send the completed Request for Mortgage Assistance. I have witnesses from my County help of all this and the difficulty and ridiculousness of BOA. They are definitely NOT helping Homeowners. Only making it harder to resolve issues to make it right. I have attached proof that I have been trying to get Authorization for my County to speak to BOA since XX/XX/XXXX. BOA said my signature didnt match yet its the same on my ID. Also that I spoke with Mgr XXXX who never called me back

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 2017-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On  XX/XX/XXXX  I have contacted  XXXX   XXXX  to ask them to remove the reporting of a vehicle that was repossessed and charged off in  XX/XX/XXXX . They are still reporting this vehicle as open and being late. It is showing up on my credit report that it has been late, has a past due amount and that I am being late on these payments each month. It is my understanding that  a 7 yr clock  starts on the last payment you made and no one is allowed to " re-age '' the item to start the clock over.  XXXX  is still reporting that this charged off account has a balance and is still being reported as late even though the charge off was 11 years ago. I have done a dispute with the credit bureaus, but they state that their is nothing that they can do to help me. I am trying to buy a home and this is negatively impacting my credit. I do n't understand how long this company can keep reporting this negatively on my credit report for this long. It looks like this just happened and I am currently late on these payments. This vehicle was repossessed due to the death of my death daughter and having to bury her and then losing my job 3 days later. I was not able to make the payments and could not catch up with the payments due to the unforeseen circumstances.

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 2018-03-01
Company: Freedom Mortgage Company
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my property taxes in escrow with Freedom Mortgage. While doing a home equity loan with another institution I was informed my property taxes were delinquent and I could not proceed. I contacted customer service. XXXX informed me that I needed to send an email to customer service and they would respond within 48 hours. 72 hours later, no response. Made second call and spoke with XXXX ( ID XXXX ) she informed me a resolution has not been made, but a target date was scheduled for XX/XX/2018. I am now over 30 days delinquent and have accrued over {$100.00} in penalties and interest.

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 2019-06-13
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I transferred to XXXX XXXX on XXXX XXXX back in XX/XX/XXXX-XX/XX/XXXX and according to them I was not able to receive financial aid due to the fact that I was attending a satellite school in XXXX, MO while my physical location was XXXX XXXX, TX. I was told that because I did not qualify for financial aid Pell grant that I needed to get the student loan offered at XXXX XXXX XXXX XXXX. 

I logged into the financial website back in XX/XX/XXXX and notice that XXXX XXXX collected on a Pell grant in TEXAS. I never received a refund but I was put into this student loan that I don't see the amount lowering because they are collecting on interest instead toward the principal. Mohela has been changing the terms and conditions since on the loan since the original promissory note that I have the original copy. I can mail or fax in any documentation you may need clarification. 

XXXX XXXX collected on my Pell grant close to {$9000.00} and also on my VA benefits and now they have me on this debt of an old student loan that I can not seem to lower the principal in all the time that it has been under my name dating back XX/XX/XXXX. This was all done because XXXX XXXX mislead me and collected on my Pell Grant and Ch-35 VA Benefits. 

I feel they are unethical and are over charging me for a tuition that my Pell grant and VA benefits paid for back when I attended XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. My total tuition for the school was no more give and take {$6000.00}. 

My interest rate with this loan was in the low 1.5 % initially and now is close to 7.0 % after I have asked mohela to lower the interest rate and to put my payments towards the principal. Nothing has changed I feel since XXXX XXXX  pocketed the Pell grant and lied to me about this loan. I feel this is wrong and want them to at least deduct my Pell grant they took from the total amount of this loan. 

I have good credit and I have been giving them payments that I can afford based on my budget. I still feel that I am paying a debt that is not lowering this student loan and feel I am unethically being charged by Mohela. I have already paid Mohela close to {$5000.00} and the amount in debt is still {$7300.00} and the initial loan was around {$5000.00}. I am reaching out to you in attempt to mediate and take this debt out of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
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:
Ive sent Experian a copy of the letter from XXXX XXXX XXXX AND THEY HAVE NOT REMOVED ACCOUNT NUMBER # XXXX FROM MY CONSUMER 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
Consumer complaint received 2019-06-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 had a secured credit card with usaa. I called and spoke to one of their representatives and asked if I could set up an automatic transfer from my savings to my credit card account to keep the account open, she said yes that would be acceptable. Once that payment date arrived the account had been closed out anyway. I attempted to speak to USAA about the issue and it took 3 phone calls to finally get to someone who was able to help. She was a member of the ceo relations team. She reviewed the phone calls and got back to me. She did acknowledge the fault lay with USAA and she would find a way to fix the issue. Over the next 2.5-3 months I didnt hear anything back. I attempted to contact her multiple times and was never able to get ahold of her. On one occasion I was on the phone for 45 minutes before someone could transfer me to the correct department. As they transferred me the call dropped and I never got a call back. I finally heard back from her last week and was told that they could reopen the card. I called yesterday and told her Id be able to open the account with a {$500.00} deposit, was told that wasnt a problem. She called back this morning and said first that they couldnt open the account with {$500.00} only {$300.00} since that was the line of credit originally. Later in this same phone call she said they werent willing to open the credit line with {$500.00}. It seems like they arent really trying to correct their mistake and dont want to do what seems appropriate to make the situation right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16
Company: CAINE & WEINER COMPANY, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Had a false claim submitted to  Caine & Wiener from  seller on  XXXX , which  XXXX  ruled stated I did not owe any money.  XXXX   XXXX   XXXX  claimed he was a lawyer, that he did not care that  XXXX  said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This complaint is about  XXXX  Synchrony Bank Accounts -  Amazon, PayPal Smart Connect, and Car Care One. I became behind with them a  year ago due to medical bills and my only source of income is  XXXX . They charged off the accounts between  XXXX  and  XXXX ,  XXXX  and they say they sold it to  XXXX   XXXX   XXXX .     In  XXXX ,  XXXX , I was able to cash out my pension as a hardship and I made a diligent effort to give all my past due bills something. I gave the entire pension amount to pay medical bills first and then other bills. I gave each of the above mentioned accounts {$750.00} each. I paid by  Bill pa y from my bank. I have proof of payment. However, they never reported the payment on my credit report and they did not send it to  XXXX   XXXX   XXXX  as they continue to bill for the full amount. They told the credit bureau that they reported correct information, but they still have not.     This is {$2200.00} altogether! That 's everything I had as there are no other assets. If they did not credit it, did not give it to  XXXX   XXXX   XXXX ., then they need to refund it! I tried to do right by them when I had nothing more to give.

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 2019-05-22
Company: EQUIFAX, INC.
State: TN
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 reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX/XXXX,  XXXX, XXXX XXXX, XXXX/XXXX, Inquiries ; 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 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 2019-06-13
Company: Massachusetts Educational Financing Authority
State: MA
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:
This is in regards to a MEFA loan from XXXX. My husband became XXXX in XXXX. I found out in XXXX of XXXX that we could apply for a XXXX forgiveness of the loan. I did so and finally in XXXX of XXXX we received a call saying it was approved. Now they are telling us that they took his name off the loan however since I co-signed the loans they have been put in my name only. Since his income is drastically reduced since his XXXX, and we are together, this does not seem to be fair. If they had told us that it would revert to me I wouldnt have bothered with 8-9 months of paperwork and aggravation. According to their website, the current policy is to remove loan completely. They are telling us that the policy when we took the loan didnt state that. 
I think this is unfair and want to know if I have any recourse from this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Kohl 's credit card today XX/XX/XXXX and spoke to 2 different employees which is partnered with Capital One that I realized there was a charge Starting in XX/XX/XXXX called " interest on protected balance ''. I looked at my recent statement that they are charging me this extra interest protected balance that I never opt in to and in the service agreement it also doesn't state that. I already called Kohl 's and they are not helping they said they will not waive it because its there policy. They were very rude to me and said I don't understand the difference which it was not necessary for him to say that to me. I didn't approve of this charge. The total amount they charged me so far is a total of {$400.00} as of XX/XX/XXXX. I am unable to look at me previous statements since it doesn't go back that far.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
As notified previously, I have been a victim of identity theft

Company response to consumer: Closed with explanation