BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: NJ
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:
i called chase spoke to a nasty woman in disputes told her the XXXX on my card XXXX was for dog flea collar unopened XXXX  refuses to credit. 
i told her its likely the worker but i wont be out XXXX dollars she asked if receipt said it cant be returned i said no then when i mentioned i have legal knowledge she offered to transfer me i told her no. WHY do this WHY not help a valued customer? its XXXX bucks. 
i have been a customer many years i called since i received no paper in the mail why be treated this way? i did try to resolve with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21
Company: TRANSWORLD SYSTEMS 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:
In XX/XX/XXXX Transworld Systems Inc reported an account under my credit that does not belong to me. I have tried for 2 months to get this resolved thru the credit bureaus and thru the collections agency at no avail. Transworld 's customer is XXXX XXXX. I have not been able to get a hold of who handles this account on the XXXX XXXX end because at the end of XX/XX/XXXX there was a merger in which XXXX XXXXXXXX bought XXXX XXXX but the merger did not include any Texas service address- the account in question was opened in Texas under a XXXX XXXX XXXX I have provided proof that I do not reside in Texas and that my name is XXXX XXXX. Note that the spelling on the account is slightly different as their costurmer 's last name is XXXX and mine is XXXX. I have never gone gone by the last name XXXX ( my maiden is XXXX ), I have never resided in Texas not done any business in Texas. 

I became aware of this account due to a credit alert. I was informed that the service address listed is XXXX XXXX XXXX XXXX Tx. The service date was XX/XX/XXXX. 

Transworld indicates that that they are waiting for XXXX XXXX to validate the account but they are not getting any response from XXXX. 
I was advised that XXXX XXXX took over those account with a Texas service address that were not assumed by XXXX XXXX- I have contacted XXXX XXXX  but they informed me that they do not show my account on their system ( probably because it was already in collections ) and they referred me back to Transworld Systems .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: PNC Bank N.A.
State: NJ
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 recently went to try and use the card I had for a long time only to find out they closed my account. My old card was stolen and I reported it in 2022 they sent a card to me XX/XX/2022 but I never received it and they confirmed the card was never activated. I explained I had the card locked the entire time because I never received it. So they closed the account for a card i havent received in over a year and damaged my credit scored by removing the account. Which is beyond unfair. And tell me my only option is to apply for another card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX ( Original Creditor : 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 2020-05-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please I need your assistance. I have been working with XXXX XXXX on this situation for a couple months now and I can not get any resolution. There was an issue with Macys APP and somehow my XX/XX/2020 payment did not process. I was not notified because Macys had incorrect information for me, they had an incorrect phone number. 

I make my payments using the app all the time and never had an issue until this particular time. I am no stranger to the app. 

The 30 day late was removed and then put back on somehow. I called immediately as soon as I found out there was a communication error somehow with the payment. Macys not only reported me late, but also lowered my credit limit which in turn caused other cards to lower my limit. My score dropped almost 100 points. I am not really sure what the issue is, but I would really appreciate if Macys could resolve this. I am a good customer and really don't deserve this. 

This was done right in the middle of a national pandemic. Everyone is suffering to such a great degree and Macys would do something like this knowing that there was a communication issue. I am extremely upset about this. I appreciate your help.

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 2020-12-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: BSI Financial Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CBPB, XXXX  XXXX XXXX, which was my original lender for my FHA loan ( XX/XX/XXXX ) granted me a temporary mortgage modification after I had been laid off in XX/XX/XXXX. 
I had been able to make regular payments on my mortgage at the modified rate for almost 2 years. 
The loan was sold to XXXX XXXX XXXX XXXX, again as an FHA Loan, in XX/XX/XXXX. After working with them on a loan modification they refused to cash the mortgage checks and returned them. 
When I asked about this they insisted that I not make payments while the modification was underway. The initial request for a modification with XXXX XXXX XXXX XXXX  was denied, by which time my circumstances had improved somewhat with my self owned business beginning to pay better. 
I reapplied, and while in the middle of that application process, the mortgage was sold to XXXX XXXX  in XX/XX/XXXX. This time the loan was converted to a conventional mortgage. 
Starting all over again with XXXX XXXX, they too insisted on not accepting partial payments while a modification was underway. While trying to work with them the loan was sold to XXXX XXXX XXXX in XX/XX/XXXX. 
Most recently the loan was sold to BSI Financial Services in XX/XX/XXXX. 
I am now with our fifth mortgage service company. The payments remain unpaid due to BSI refusing to honor the original loan modification or any payment that isn't the full amount past due owing, approximately according to BSI, {$170000.00}. 
Having already gone into default on this loan, and being in foreclosure is causing XXXX  and XXXX   within the family. 
I do not want to end up homeless despite our best efforts to work with the numerous mortgage companies. 
I want to remain in the house and retain possession of our home. I look forward to your prompt review and resolution in our favor. 
Please let me know if I can provide any more information that will assist in your decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Oklahoma Student Loan Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The OSLA site where I pay my student loans went down last week. I don't know where to pay my loans, or how to get my loan records. When I called, they promised to send me information via email that they didn't do. They ask for my full SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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:
Contacted a us bankruptcy court ask them if they report to the credit bureau they send me letter saying no they dont third party company called XXXX reported it dispute that item requesting the source they refuse.

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 2019-03-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
PNC on XX/XX/XXXX assessed over {$100.00} on my account due to transactions that posted on my account on the same day, but were backdated and reordered on my account. I was not notified of any overdrafts until XXXX XXXX XXXX this XXXX and by this ppint I was already charged {$100.00} dollars in fees with no way to correct the overdraft. I called PNC and attempted to get the overdrafts credited, but I was steadily rebuffed by a customer service rep and a supervisor who told me there was no one else above her and I needed to go speak to a branch manager to go to a higher level. The branch manager seemed confused as to why I was told to speak with her as she was as limited in this capacity as a customer service rep. I was told to contact her regional manager and that again there was nothing that she could do to further assist me. 

At this point I am completely fed up with PNC and their attempts to charge me overdraft fees. I am constantly told by them about their " processing '' at odd times of the day, but if I as a consumer don't see these processes until the next day it seemes incredibly unfair to charge me overdrafts fees for transactions that show on my account the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I went through a divorce and fell behind several payments, tried to modify with Carrington Mortgage Services to see if they would help me out while I got back on my feet but the only thing I got was a payment increase along with my loan balance. No other solution was given to us and we are now a few days from loosing our home. My loan # XXXX and my " point of contact '' is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Im currently on a FEMA natural disaster mortgage forbearance plan. It Started on XX/XX/2023. According to XXXX XXXX guidelines I have up to 12 months to be on forbearance. As of today Im still actively participating in the plan. However during my call to fifth third bank last month to extend my forbearance the telephone representative might or might assumed Im on a regular forbearance and is not protected by credit reporting. as of now there is a negative remark reported for month on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: PA
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Northern Trust Company, The
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Northern Trust manages a trust from my mothers estate for the last 3 years or so. I am a beneficiary of the account but in all those years they have never sent a statement to me until last month. In that statement I found that they somehow 'forgot ' to distribute residual funds that should have been distributed to the beneficiaries. 
And simply because they have their foot on my neck, they charge fees so that this account - which is all cash, loses value every month. After a while it will disappear into their vault. 
Northern Trust clearly had instructions to distribute the funds to the beneficiaries 3 years ago. 
I do not know how or why I got the account statement from them. It looks to me like this is my account with $ XXXX in it. No one else is listed. But now they are suggesting that I am only a 1/4 share owner. 
I asked for distribution, but now they say they have to 'calculate ' the refund. They have the computing power of the pentagon, but they cant make out how much to distribute? I is a fabrication on the face. And the phone number on the statement 3/4 of them are dead.It took them weeks to finally respond to my messages.

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 2021-01-23
Company: Experian Information Solutions Inc.
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:
XXXX XXXX, is reporting my account, as 30 days late, which this account was paid off and had an issue with personnel taking a payment, and was harassed, to which I had to speak to the corporate office. I was not informed that this issue would result in a late payment as it was not my fault. I have called and spoke to XXXX XXXX several times and have since learned that they are involved in a class action suit due to their abusive collection practices. I have since received a call after reporting them to XXXX  and XXXX XXXX and XXXX  and XXXX XXXX did remove this account, but Experian refuses to remove it or to validate this account. as a result, it's keeping my Fico score with only Experian low. Experian FICO score rating is at least 64-94 points lower than my other credit bureaus scores. Also Exoerian is refusing me to dispute this account on their website.

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 2020-12-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
At XX/XX/XXXX, I made a wire transfer through a HSBC branch to an Escrow company 's XXXX XXXX XXXX account, the amount is {$8000.00}, until XX/XX/XXXX, the escrow still didn't get the money, then I requested to withdraw this money, as of today, still didn't get any update from HSBC, I called them everyday, then everyday they just told me they are waiting response from their back-end department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from XX/XX/XXXX on XXXX XXXX that I had a new hard inquiry in my account. Someone used my information to open an account with target without my authorization. Because of this my credit score went down.

Company response to consumer: Closed with non-monetary relief