BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: AES/PHEAA
State: NC
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 qualify for loan forgiveness under the temporary pslf. This was in effect before the XX/XX/XXXX waiver, which I also qualify for. 

Fedloan has noted my account that some loan payments qualify for XXXX, and some don't. There are payments missing. 

I've made payments on the loans since XXXX, and have bad them consolidated as Direct loans since late XXXX. I am not entitled to forgiveness and a refund. The payments were auto debited, I did have a payment due for each payment made despite fedloan showing no payment due for 13 months. 

I called to ask about correcting the count. I was initially told that FedLoan would eventually do it. I explained a couple times that I was already entitled to forgiveness and wanted to be done with it, and requested a recount multiple times. I was then told it would be requested in their system, but that there would be no way for.me to verify online that it was going to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-17
Company: Merchants Credit Assoc. Inc SC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Extremely rude people, called me while I was at work, I answered to ask them to call me after or I would call them back and she said no, we will just report it to your credit then, goodbye! I called back and asked for supervisor who was also rude and said he was the owner and I was n't to call there again until I was calm. I was angry for horrible treatment and rudeness that is rediculous. I tried to explain and he would not hear 1 word, yelled over me and said stop talking and do not call back. Told me to contact cfpb or whoever I wanted, he did n't care. Refused to give me someone decent to speak with

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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: Account information incorrect

Complaint:
My credit score keeps on go down, Equifax wants me to purchase there products ( I wouldn't ) My house paid off I owe no money my credit cards are paid off in full each month.I have no loans my card are all paid off, no loans and my score keeps on going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I believe the ppl that stole my funds from wasihington can u plz help report this to a officer not from any of the states that have XXXX workin at the law office because they are part of fraud thank u

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 2017-07-29
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is reporting false information and has not been updated since 2018. This debt is not owed and is not reported on either of the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
THIS IS NOT the same case #. SEND TO CEO of CFPB, now..1st, and importantly "I NEVER asked for a $XXXX (XXXX XXXX XXXX XXXX XXXX-JOKE) to settle, $XXXX(XXXX XXXX XXXX XXXX dollar including Predatory lending.  
I sent all case numbers to CFPB and once again CFPB went back to Bank Of America (which IS the LAST who purchased the "LOST/Damaged,etc, Loan, I was never given or seen Chain of  TITLE from BOA Ever given to me and BOA still did not furnish the title. 
 BOA still claims they did everything right BUT according to the Judgement. That judge  didn't know of lost mortgage,etc. nor knowing my husband (XXXX since 2004,no probate) which means I NEVER OWNED IT,dollar rights were in my husbands name and it NEVER went to Probate,was told by XXXX wasn't need'd!  My loans were sold down to BOA DAMAGED and Falsely foreclosed on due to constant Selling down to the CURRANT buyer, BOA. BOA  believe's they WON the case cause using FALSE documents,fancy legal terms (smooth talking to judge)  My attorney  wasn't aware of the " DAMAGED LOAN"  that was bought by BOA,it was my discovery So BOA feels they won this case (i'm sure many other's and put me through XXXX and still INSULT me by suggesting I WOULD LIKE $XXXX !! Look at all papers,and recent CFPD article stating the wrong doings. I will end with this,all damages( including, punitive damages) I Will close this case with $XXXX.  *NOT $XXXX* I will have no option but to re-open the case if necessary and have it taken to Higher court due to BOA is Insulting my knowledge and intelligence due to not know the "legal terminology(so they think)  -I WILL NO STOP until I GET JUSTICE of BOA wrong doings

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 2022-01-16
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: Account information incorrect

Complaint:
Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on EXPERIAN. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you

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 2018-01-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX, I mailed my XXXX XXXX mortgage payment of {$1200.00} by USPS certified mail to Chase. On XXXX/XXXX/XXXX, Chase received my XXXX XXXX mortgage payment. Chase applied the whole {$1200.00} mortgage payment as a principal reduction payment. This is the second time in two weeks that Chase has misapplied our mortgage payment as a principal reduction payment. On XXXX/XXXX/XXXX, I mailed our XXXX XXXX, mortgage payment by USPS certified mail. On XXXX/XXXX/XXXX, Chase received our mortgage payment of {$1200.00} and applied the entire amount to a principal reduction. Both payments were clearly marked as a mortgage payment. Chase has not fixed either mortgage payment and has not sent us a mortgage statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Westlake Services, LLC
State: FL
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:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business or operate in the state of Florida.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Old information reappears or never goes away

Complaint:
There have been a number of requests sent to Equifax for the medical collection item to be removed from my credit profile. I have a letter where the XXXX XXXX XXXX has sent the deletion request to the credit reporting agencies. I also placed a dispute on XX/XX/2019 to have the item removed. The item is still showing as a collection item on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday X/XX/17 I made an ATM deposit in the amount of {$5300.00} it was a refund from California Franchise Tax Board made out to myself and my husband. We both endorsed it on the back along with Deposit Only and account number. My husband is not on this particular account however, other similar checks have always been accepted by my bank. The next day Friday X/XX/17 the funds were reversed out of my account with no warning or explanation. I went to the bank on Monday X/XX/17 spoke with branch manager XXXX, she had one of the tellers make a copy of my check as it was still physically at the bank, she then made a call and informed me " they '' would be sending a notification and check to me and when I receive it I should bring it in to the bank and she would negotiate with " them ''. I asked if there was any way we could resolve the issue sooner and she told me I would need to wait until " they '' mailed me the notification and check and I should receive it today or tomorrow in the mail. I offered to have my husband come in to the bank and clarify if necessary she replied. " Oh we ca n't talk with him! On Tuesday after the mail had arrived I called her to see if it was possible for her to contact someone and expedite the process again she said I would have to wait until I received the notification and check in the mail as " they '' sent it out. I asked her who " they '' were and she said " the back office '' I asked if " they '' were at our bank she replied " I do n't know where " they '' are ''. The conversation ended at that time. On Wednesday X /XX/17 I called the customer service XXXX number and talked with XXXX who at least took the time to explain what the process was and she was very apologetic and understanding of my situation. She could not advise me what to do in order to get my issue resolved any sooner. With great frustration and XXXX I am filing this complaint it has been exactly one week that the bank has held up over {$5000.00} of my funds with very little help or concern from our local US Bank manager.

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 2022-01-16
Company: JPMORGAN CHASE & CO.
State: GA
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:
Chase credit card services was claimed that I rented a car on XXXX XXXX 2021. It was not my charge. I was working from home in XXXX GA that day and have proof with a check stub attached. They have come down ro the conclusion twice that it is my charge because I have a history of renting from XXXX is why. It's not fair for me to have to pay for someone else 's charges because I have a history with XXXX. I rented from XXXX in XXXX on XX/XX/XXXX to the XXXX and showed that I paid with my credit union debit card. I refuse to pay for someone else 's charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX   breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.

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 2018-01-08
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I would like to dispute the report provided by Citi and request that you investigate the matter further. I have attached several documents for your consideration. I had been a customer of Citi since XX/XX/XXXX and was in good standing paying this bill until XX/XX/XXXX when Citi abruptly transferred my account to a credit collection agency. When I contacted Citi, I was told that it because I had requested debt relief. I informed Citi that I was not involved in any debt relief program. An authorized user on my account did contact a debt relief agency. Even after I proved that my account was not part of any debt relief program, Citi did not restore my account. After trying for 4 months to get the issue resolved by contacting Citi and the Better Business Bureau in New York ( Complaint ID XXXX ), my account was restored ( brought back from the collection agency ). I was never notified by Citi that the account was brought back and would close again with 30 days if the delinquent balance was not paid in full. I paid two payments and the account transferred for a second time. I contacted Citi again and was told that the transfer happened because the account was still delinquent. I have contacted the Better Business Bureau twice about the way the manner in which my account was handled. I have been contacted by Citi 's Home Office in a bogus attempt to rectify the matter but the Rep tells me what I already know which is that the account is delinquent. Citi NEVER rectified its mistake by transferring my account in error in XX/XX/XXXX. Yet, I am paying the penalty with this delinquency being recorded on my credit report. The account was not delinquent when it was transferred in error in XX/XX/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 2018-01-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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:
Dear Consumer Financial, I would like to discuss about paid bill from {$23000.00} to {$1300.00} to Santander Consumer USA comapny. Please check again fix to repair credit on XXXX, XXXX, and XXXX. Thank you. I hope you doing well and Happy new Year! 

Best Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Proof of a XX/XX/XXXX {$250.00} charge by XXXX XXXX, written documentation that the charge was made is urgently needed. 

Synchrony Bank advised that there was/is NO WAY that can provide any documentation. I requested that generate a pdf. of the charge and they said they could not and would not provide a pdf. or text or email me this written proof. 

I was XXXX because I can not show proof of this payment to XXXX. 

I need this documentation now to prove my innocence and to have this arrest record expunged. 

I used my one call from prison detention to Synchrony Bank sand they refused to help even when zzz I asked for this to be escalated to their legal representative. 

The last 4 digits of my SS # are XXXX ; my home address is XXXXXXXX XXXX  XXXX XXXX, XXXX, NY XXXX : the last 4 digits of my Synchrony XXXX  credit card are XXXX ; the card is valid through XX/XX/2024. 

I appreciate your help and the swift response from Synchrony Bsnk.

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