BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I complained to Chase Visa about 2 charges on my card. The merchant canceled the services but did not refund the full amount, giving me partial credit. ( See attachment 1 my original complaint ). Chase Visa agreed in writing that the original charges were in dollars, therefore the refund should have been in dollars. The original charges were for {$3400.00} and {$5100.00} respectively and the disputed amounts ( shortfalls ) were {$290.00} and {$290.00} respectively. In respect of the first  claim, Chase Visa wrote to me on XX/XX/XXXX ( Attachment 2 ) stating rather bizarrely that the merchant had agreed to refund the full amount of {$3400.00} and I should see that refund on my card. I presume they meant the disputed amount of {$290.00} - and that has yet to appear. In respect of the second claim, it has been completely ignored by Chase Visa. The Fair Credit Billing Act Section 1666 ( a ) ( 3 ) ( B ) ( also attached ) requires Chase within 2 billing cycles, or at the latest with 90 days, to either 1. make corrections to my account or 2. after conducting thorough investigation, send me a written explanation of why Chase Visa believes the amounts were correct. In the case of services not delivered, Chase VISA can not construe the amount to be correctly shown unless the services were actually delivered. Chase Visa did neither of these things. Quite simply, Chase Visa broke the law.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-21
Company: Experian Information Solutions Inc.
State: IL
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:
On XXXX XXXX, I wrote to Experian, XXXX  , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & XXXX  Informed me that the items were verified. Which is through a the XXXX  system. I got nothing in writing stating who XXXX  & XXXX   spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. Experian never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. XXXX XXXX XXXX XXXX XXXX has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXX, VA which dated back to 2018. Ive been living in XXXX, NC for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.

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 2019-03-06
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: EQUIFAX, INC.
State: IL
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:
On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
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 did authorize any of the companies listed to run my credit i do not know of any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Certegy Holdings, LLC
State: MD
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:
Re : Certegy Check Services On XX/XX/21 my XXXX XXXX XXXX XXXX {$66.00} check was denied at XXXX XXXX XXXX - Store # XXXX, XXXX, Maryland. The info for XXXX is printed on the receipt, I tried to contact. I was asked for my SS #, bank routing #, back account #, other info. I did not provide these. All automated, no one to speak with. I was also asked if I wanted to make a payment. I tried their website, no help. Twice on line I was asked if I wanted a lawyer, for a fee. Looking in to the company, I found many who had experienced the same. Their website - www.askcertegy.com - XXXX - Certegy Check Services , Inc. XXXX XXXX XXXX XXXX , Fl XXXX XXXX-XXXX. I have tried several times to reach this company, on hold for over an hour- then disconnected. One site I reached was invalid. I have been shopping in these stores for many years, and now I am unable to write a check there. My credit score is very high, and I did bounce one check about 10 years ago, when I was changing banks. My fault - wrong check book. I feel this outfit is a scam, I would like to know what you find out. 
Thank you for your time, 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 2021-01-22
Company: Experian Information Solutions 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 information incorrect

Complaint:
I had 3 XXXX XXXX XXXX account which I paid on XX/XX/XXXX. I have disputed the account more than 7 times. Each month they tell me to dispute it again without a resolve. I have uploaded the " Paid in Full '' letters 4 times. I called the Credit Union and they said that they fixed it on their end. The accounts do not appear on XXXX  nor XXXX  so Experian is the only company that is not doing their due diligence. According to the Fair Credit Act of 1971 they had 30 days change the information. One of the accounts is still showing a balance of {$610.00}. They have the information but they have left me on hold for three and half hours at one time and another time for an hour and half, before I hung up.

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 2021-07-01
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2021 my checking account was overdrawn. Despite previously enrolling into overdraft protection and notifications I was neither notified nor protected. My wife told me the following morning that at XXXX she received a notification of overdraft on the account. At XXXX I funded the account from a money market account. PNC charged a {$36.00} overdraft fee. I called and upon talking to a customer service representative who informed me PNC could not remove the fee. This is contrary to 1. the account being funded within 24 hours per the advertised " low cash mode '' https : //www.pnc.com/en/personal-banking/banking/services/low-cash-mode.html available for PNC XXXX XXXX customers and 2. the financial institution incorrectly showing I did not enroll in overdraft protection which would have mitigated this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
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: Account status incorrect

Complaint:
XXXX XXXX XXXX  are not deleting the negatives out of my credit report as on XX/XX/2019 
OnXX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX  XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019on conversation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: TX
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:
There is debt collection reported by XXXX on my Experian credit report that I have disputed because the original hospital XXXX XXXX XXXX has yet to provide me a full itemized bill. I don't care what XXXX certifies or not, because they have refused to validation of the so called debt. During my various requests to XXXX XXXX XXXX for a full itemized bill they changed their payment software so I could no longer access my even if I wanted too. XXXX XXXX XXXX  has violated Federal Law when they continued to refuse to provide me a full detailed copy of charges before this was sent to a zealous collection agency. Now comes Experian who refuses to remove this collection. Now I am not going to be bullied or allow these agencies to continue to break Federal laws. If this is not resolved I seek relief in Federal Court against all three : the hospital, the collection agency and Experian.

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 2021-07-01
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I fell for a student loan scammer, it was my first time applying for a loan and I gave the scammer all of my information, social, bank information ( password/ password ) social, address and phone number, I'm a XXXX living in california and I received debts from discover and I called them and told them and I filed a identity theft with the XXXX, they open the credit card since 2017 and been using it using my address, I added an identity theft on my credit report when i found out, Discover even send a lawsuit notice to my house, I'm XXXX years of age and I only had one credit card because I never really had a job and my mom is supporting me, {$4000.00} something dollars on my name, my credit is destroyed because of that, they kept saying it is valid because my information is used, which i kept telling them it is not true, they sent me statement none of which was made by me, I need this resolve beca and I recently just got approved for {$300.00}, one is close and one is open use of this i can not get a student loan or any good credit because a XXXX  scammer decided to ruined me and discover will not help at all I even keep the scammer number, which is XXXX this is not fair, I never thought to check my credit because I had to learn that when I unexpected started receiving debt bills and calls from discover

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
There are accounts and other information showing up on my credit report that does NOT belong to me. I've called and sent letters and still no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy on XXXX XXXX XXXX to protect my house and Wells Fargo Bank foreclosed on XXXX XXXX XXXX and even though I filed bankruptcy they did not stop their activity and went ahead and filed foreclosure on the house on XXXX XXXX XXXX. Wells Fargo 's bank Attorney XXXX XXXX XXXX, whose bar number is XXXX, even though I have a cash buyer for the house XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX denies the cash buyer. They denied the cash buyer, this man is very heartless man. He was still going to court during the bankruptcy, filing motions, doing all the stuff that he was was n't supposed to do even though when a bankruptcy file is in process, all activity should stop and he did not stop. The chapter XXXX case number is XXXX. The property address is XXXX XXXX XXXX court, XXXX XXXX, Florida XXXX. I would like to see justice for what wells Fargo bank has done. Wells Fargo bank number is XXXX XXXX XXXX XXXX. My name is XXXX XXXX and XXXX XXXX is my husband who filed the bankruptcy.

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 2018-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
AFTER REVIEWING MY RECORDS I FOUND A CHARGE ON MY CARD FROM XX/XX/15 DONE BY XXXX XXXX XXXX FOR {$750.00} I CALLED BANK OF AMERICA AND WAS NOT ONLY TRANSFERED 6 TIMES BUT WAS ON HOLD FOR  OVER TWO HOURS. THEN FINALLY SPOKE TO A VERY NICE MAN XXXX WHO WAS EXTREMLY HELPFUL HE TOOK MY FRAUD CLAIM AND EXPLAINED I WOULD BE CREDITED. AFTER A FEW DAYS I GOT A LETTER STATING THAT THEY REVIEWED THE COMPLAINT AND SAY THERE IS NO FRAUD, AND THAT IT IS TO OLD FOR THEM TO HELP ME! I NEVER GAVE THESE PEOPLE MY INFORMATION, AND AM VERY UPSET THAT I WOULD HAVE TO PAY FOR SOMETHING I DIDNT DO!

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 2021-07-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm filing a complaint against XXXX XXXX, and Experian because they are not complying with their own policies in a timely manner. I sent my dispute letters to them over 30 days ago and I have not received a response from XXXX XXXX, and Experian. The inaccurate marks on my credit report are hindering me from buying a home and I am not getting any assistance in fixing inaccurate 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 non-monetary relief
Consumer complaint received 2018-09-21
Company: Altisource Portfolio Solutions, S.à r.l.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the company name XXXX XXXX XXXX calling themselves the debt collector for my XXXX accounts calls me 3 times a day in my cell number, my girlfriends number and my work place number. I requested them not to call as i am having financial hardship and national debt relief is working on my behalf to help me debt free. but the person named XXXX won't listen. I told him i can not pay {$8700.00} and something they are asking all at once. he is just forcing me that its a one time deal and you dont get to pay this again. i told him the calls are disturbing me, its harassing me and making me depressed but he wont listen. the company and person named sudhirs calls me 3 times a day in 3 phone numbers which is 9 times everyday for straight 7 days. I would like to request them to stop harassment as i am already facing hardship and can barely manage to pay monthly to my debt relief program i am enrolled in. If the harassment wont stop, i will like to file a lawsuit against the company for XXXX, XXXX  and threat.

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 2021-04-26
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: Personal information incorrect

Complaint:
Please update all of my personal information on XXXX, Transunion, and XXXX. 

My only XXXX XXXX XXXX My only address is XXXX XXXX XXXX XXXX, OH XXXX There may be individuals that have the same information as mine. Creditors may have entered my name name and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not be on 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 explanation
Consumer complaint received 2017-08-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I originally obtained the student loan with XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I call myself consollidating the loans for {$1000.00} with an 8 % interest rate and another loan for {$10000.00} with an 4 % interest rate. I did n't know that the {$1000.00} loan of 8 % would bring my {$10000.00} loan of 4 % up the 8 %. That caused me to have a {$11000.00} loan with an 8 % interest rate. I filed a complaint with you all on XXXX XXXX stating that XXXX XXXX should have informed me that my payments would go up because the interest rate went higher on the {$10000.00} loan which is loan shark practice. Nothing happened from my complaint. XXXX XXXX only transferred or sold my loans to Navient. Now Navient is the loan company who ruinded my credit because mh loan have exploded to almost {$30000.00} even though I have paid over {$20000.00} on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
There was an unauthorized transaction from my paypal account. 
Transaction ID XXXX amount is {$1000.00} I claimed the fraud activity and reported this to paypal yesterday but it was still authorized by paypal. And paypal is not letting me to reopen the case again. 

I live in USA, I have never been to XXXX and I don't have any affiliation with the company the transaction went through.

Company response to consumer: Closed with explanation