BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I sent XXXX XXXX a XXXX payment for {$740.00} for rent. A week later my room mate tells me he hadnt received the payment. I went in to my Chase account using the App and that is when I noticed that one of the numbers to the phone number was wrong. I immediately called the back of my debit card and spoke to a representative where I filed my claim. I was told that they would let me know what the outcome would be in about 10 days. They asked me if I knew the person who had received the money who happened to be a XXXX name and I continued to inform them that I didnt know her and that the money was intended to be for XXXX XXXX as stated on the transaction. I received a letter letting me know that the transaction would remain on my account as a XXXX transfer. When I called the claims department to Chase they informed me that in order to retrieve the money from the woman I had accidentally sent it to, that they would need her authorization and that they couldnt get a hold of her. When they called her, she answered, was put on hold and the call was disconnected. They asked me if I wanted them to try a second and third try and I told them yes. Since then I havent heard from Chase. Its concerning that when I open up the Chase app, the XXXX XXXX is there for customers to use and you fully trust that as a financial institution you would be protected if something went wrong. The woman who accepted the money has no right to receive it as it wasnt intended for her. Her name is not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received call from ( XXXX ) XXXX about a closed credit card account from XX/XX/2013 regarding the amount of XXXX to be paid in full. The gentleman XXXX XXXX would not state the company he worked for only saying that he is a litigator for the company Wells Fargo. I stated that I have not had an account with them for over 5 years and he stated that in order for them to not take me to court and sue me for over {$3000.00} I would have to pay the full amount or the amount with charges and interest which would be over XXXX. I asked for the information to be sent and he said I would only be able to receive a receipt of payment/payment plan. I gave my email but have received no such information as I refused payment.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted 3 disputes with TransUnion over the past 3 months. Each investigation led to TransUnion updating the balance on my collection but not actually removing the collection. The creditor advised if I paid in full that they would advise credit bureaus to delete the payment. TransUnion says the creditor confirms this is accurate but how can this be the case if XXXX has deleted the collection per my request?

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX/XXXX CLOSED This account has been closed since 2003 and every few years it gets updated with wrong information. Today I noticed that the closed account has been updated with yet again mis-information about me paying {$79.00} a month. 

This is wrong and I need this account remove from my credit report. I never paid {$79.00} a month on this account and why is it updated with wrong information.

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 2020-06-24
Company: Experian Information Solutions Inc.
State: AR
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 the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
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 2017-11-29
Company: Experian Information Solutions 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:
According to Experian, XXXX and XXXX my report publish information should be removed. Inquiries on my XXXX report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

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 2021-05-02
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: Investigation took more than 30 days

Complaint:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX  - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Original loan disbursement date was XX/XX/XXXX in the amount of {$10000.00} with a repayment term of 121 months. Repayment began on XX/XX/XXXX with a repayment term of 210 months. Since that point in time the loan has been " redisclosed '' against my wishes or request. The loan has been redisclosed on the following dates with the below terms. 
XX/XX/XXXX Repayment term 239 months XX/XX/XXXX repayment term 210 months XX/XX/XXXX repayment term 197 months XX/XX/XXXX repayment term 185 months XX/XX/XXXX repayment term 174 months XX/XX/XXXX repayment term 165 months XX/XX/XXXX repayment term 153 months XX/XX/XXXX repayment term 143 months XX/XX/XXXX repayment term 131 months XX/XX/XXXX repayment term 121 months As of XX/XX/XXXX statement {$11000.00} has been paid on an original balance of {$10000.00} of which {$7300.00} was interest and {$4200.00} principal. The current outstanding balance is still {$6300.00}. 

The constant redisclosure of a customer who makes on time payments for more than the minimum balance is resulting in a loan that will essentially never be paid off. The stated interest rate of 6.13 % is deceiving as it only is a interest rate of the current redisclosed loan. When you take in the original balance and what has already been paid plus what is still outstanding the interest rate is over 300 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
RE : Citibank, N.AXXXX, XXXX South Corporate Place, XXXX XXXX, SD XXXX CitiBank Costo Card  My account closed in XXXX of 2021. 
I need my statements for the XXXX XXXX. 
I originally called for my statements on XX/XX/XXXX21. 
The rep stated it would take 14 days. 
I called 15 days later and the rep stated it would take 30 days from the original call. 
Now when I call to get a letter or email to show the XXXX XXXX the extended timeframe the XXXX department for Citibank states they can not share that and stated it can take 30-60 days to receive a statement. This is delaying my XXXX and may cause XXXX XXXX if I do not provide the statements. 
The reps will not allow me to speak to supervisor. Every time we call the supervisors are " busy '' and will be 30-60 mins to speak with someone. The reps do not allow us to hold.

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 2023-05-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This collection is showing inaccurate on my credit profile, and i do not appreciate this showing own my 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 non-monetary relief
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: NY
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 XXXX XXXX Reported me 30 days late - XX/XX/XXXX. That was incorrect. 
It was reported on Experian on or about XX/XX/XXXX. I immediately contacted XXXX, and disputed the information. They originally said that it would self correct. The next day I spoke with them, and they said it would not correct. 
I filed a dispute with Experian. 
On XXXX, I see that XXXX is now reporting me 30 days late, but dating back to XX/XX/XXXX. 
I reviewed all activity from XX/XX/XXXX through lease end XX/XX/XXXX. 
At no time was a payment made more than 30 days late. 
I request that my account with XXXX be reported accurately, and false information be removed. 
The company does a poor job of maintaining its data files. It can not even list my name correctly. 
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 2017-12-02
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX Synchrony Bank checked my credit and issued me a Lowes credit card with a {$300.00} limit. I recently made a small purchase with no issues. Last Thursday XX/XX/XXXX I tried to make another purchase at Lowes and it was declined. After calling the bank they explained to me that they closed my account because of my recent credit history. How is that they issue me a card based on my credit back in XX/XX/XXXX then suddenly close it without my knowledge or consent? I have other accounts with this company and Im afraid they will do it again. Closing accounts negatively affected my fico score.

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 2019-04-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
purchased car in in XXXX Financed  Through Santander Consumer USA financed for 72 months, payment per month is {$740.00}. When I called first in they said I had 7 payments left I already made 4 paymen tsand still I was  making payments instead of getting less the payment increased to 18 payments. We went to XXXX Dealer in XXXX, TX, they got the payoff print out it said 10 payment and payoff amount was {$12000.00}. If 10 payments left then it should be {$7400.00}. If I payoff by XX/XX/XXXX It should be less plus the interest should be taken off, and payoff should be less, They reported same amount to credit bureau. XXXX dealer said this is not correct, There APP is wrong. They had many other customer like me complained about Santander Conusmer USA to them ( XXXX XXXX  ). It seem like they are doing wrong to the customer and robbing the people and making money for them. We will appreciated the help we get form you, far decision and far settlement amount ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 am disputing an inaccuracy on my credit report, The account ( XXXX XXXX ) is still showing on my XXXX report and should be removed due to the age of the account. The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX, and a decade later is still currently showing on my 3 credit reports and would like the vendor to remove it.

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 2020-11-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2020 my wife signed a contract for employment at a XXXX trading company. She was to be paid about {$3000.00} during training. 
She received {$120.00} and was expecting the balance. 
On Friday XX/XX/2020, she was notified that she had been added to a USAA Savings Bank checking account. We did not understand how that could happen without her applying or even knowing about the action. 
She went to her USAA web page and saw this new account and that it had {$3000.00}. 
She then transferred the training pay to our joint accounts - still not knowing how or why USAA allowed her to be added to an account - as secondary - to someone named XXXX XXXX, who was listed as primary. 
Ten minutes later my wife received an email from USAA confirming that she had been put on that account, which the bank identified as her " cousin. '' XXXX, we have no idea who this person is. 
After the weekend, I went on my USAA web page and discovered that the bank had frozen three of my accounts. 
Now, the bank is extorting me for {$3000.00} to " unlock '' my three accounts. They have said they are going to take my Social Security direct deposit on XX/XX/XXXX. 
USAA Federal Savings Bank is implying that my wife was in on this apparent internet scam/fraud. We have reported it to the Federal Bureau of Investigation, with no immediate result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage ( loan # XXXX ) was purchased by Mr. Cooper from Seterus. After the first month payment to the new company, they charged my for some kind of insurance product for over {$1100.00} without any explanation. I have tried several times to call them but it is impossible to get someone on the other end. Also tried to message them from the online service, within my account, to no avail. 
It seems that this is a tactic they use to charge money to new customers without any way of contacting them to fix it. It seems to be a sham business practice. 
I need this insurance money to be taken off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: GA
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 submitted requests for these collections to come off my accounts because they are not mine and additionally, according to their secretary of state website, are not licensed and bonded to collect these debts XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1200.00}

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 explanation
Consumer complaint received 2019-04-08
Company: BARCLAYS BANK DELAWARE
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:
I reported fraud on my Barclay card ending in XXXX. I received four letters ( 2 in XX/XX/2018 and 2 in XX/XX/2018 ) informing me that the account was close due to fraud. The letters stated that the account ending in XXXX was closed due to fraud, the fraud investigation has been completed and that you are not responsible for the reported fraudulent activity. Please allow up to 30 days for the consumer credit reporting agencies to remove any fraud-related information from your credit report. Today, the new account ending in XXXX has the fraud activity on it and the fraud has not been removed. I have been paying on my card with autopay for months and stop it in XX/XX/2018 ; when I realized that autopay was on. I owe nothing more on both accounts, Barclay card ending in XXXX and nothing more on Barclay card ending in XXXX. Please close these accounts and report both of them as fraud. This credit card has been a nightmare and I don't know what to do. I filed a police report as instructed by XXXX representative. XXXX Police Dept. Report CC # XXXX. I put in a dispute for fraud regrading Barclay card to the following consumer credit reporting agencies : XXXX and XXXX  as well as security freezes on my credit accounts. Please help! 
I paid approximately {$2000.00} from the {$14000.00}.

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 monetary relief
Consumer complaint received 2018-02-01
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Sallie Mae : Refund Check Status I refinanced my loan with XXXX XXXX because my interest rate kept going up and each payment barely made a difference to my balance. XXXX XXXX approved my new loan and paid off Sallie Mae leaving a balance of {$280.00}. I called them multiple times to reissue me a refund check since that {$280.00} belongs to me. 

I called in XXXX and was told the check was issued on XX/XX/XXXX. 

XX/XX/XXXX Called Wednesday XX/XX/XXXX to give me a status on my refund check.I was told yet again, the check was sent on the XXXXXX/XX/XXXX. Yet it has not arrived. Yet it has not arrived. They also told me they will take 10 days to stop the check and resend a new one. 

XX/XX/XXXX Called Sallie Mae on the status of my refund check. I was told that check # XXXX was reissued on Tuesday XX/XX/XXXX. The check should take 7-10 business days to arrive. 

XX/XX/XXXX It is XX/XX/XXXX. 12 business Days after check # XXXX was reissued. I still have not received my refund check. I did receive a letter sent to my cosigner mentioning the amount I paid in interest for XXXX. So no I am wondering. How did I receive this letter before the actual refund check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation