BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-16
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
No matter how many payments I make in addition to the extra I give them each month my balance does n't move. They say that the extra will be applied to the principle but it is n't. It 's a rip off! I had a hardship and needed to reduce my payments but can not do so because it 's based solely on my income. They knew I could n't afford to pay this loan when they approved me for it. Just like the mortgage companies with the preditory lending. These loans are designed to keep us in this long term repayment system!! I 've tried to pay but can not and they refuse to work with me in getting some type of payment each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XX/XX/2020, I pulled my credit reports from Experian and XXXX  and I realized that there were unauthorized inquires on my credit reports. I sent letters to both bureaus, Experian and XXXX, stating that the information reported was inaccurate and requesting that it be removed and I haven't received a response.

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 2015-05-01
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a XXXX customer for XXXX years. I contacted them to at the latter part of a contract renewal to upgrade to XXXX. The technician came and installed used standard boxes ( XXXX ) and left the existing dish ( standard ) on the roof stating it was fine. I notified XXXX of these aforementioned events and they sent XXXX different technicians to remedy problem over the course of XXXX weeks. After reaching a new high point of anger I cancelled service and sent all equipment back. XXXX was paid to date for usage and went with XXXX. XXXX started billing me for the remainder of the contract for which they breached. After several attempts to remedy the billing issue they sold the debt to a collection agency who also was unsuccessful in their attempt to collect what I feel was not my debt. This company called XXXX times a day on my residence, business and cell phones. They chose after 3 years to post the debt. I am the victim of an unscrupulous employee of XXXX and I have to fight a battle for my innocence. I feel this is unjust and was told to contact the CFPB on this matter. I feel I have a pretty good credit rating and for this company to be allowed to post this just does not seem right. Thank you for your time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
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:
I received a copy of my credit report and the bankruptcy listed is not mine identified as such on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX I received a loan via capital one bank through a used car dealership in XXXX XXXX, XXXX, NY. The vehicle was fraudulently sold to me as it was flood vehicle. The vehicle also fell under the XXXX recall between XXXX. Capital one was aware of these activities and their offices reached out to me to investigate the sale of the vehicle. A representative insisted that she would follow up with me and never did. The car was not able to be used, I could not make the payments and ultimately it was repossessed. But because it was a flood vehicle and under a recall my presumption is that it was eventually demolished. The remaining balance of {$12000.00} has stayed in my credit report and no one from capital one followed up with me. I did reach out to the credit bureaus who have adjusted the deletion date of the auto loan to me XX/XX/XXXX at the earliest, but it is still hurting my credit and hindering my family from moving forward in other important endeavors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am filing this complaint based on Capital Ones refusal to provide any consumer assistance or programs on my account due to Hardship. I was injured in XX/XX/2019 and required XXXX XXXX in XXXX. I have been on medical leave since XXXX as well as being denied XXXX benefits of which I am still fighting. Upon reaching out to Capital One on multiple occasions seeking assistance with my account which is now falling drastically past due, Capital One has been unreasonable and unwilling to provide any programs or assistance. I have not worked, nor am I cleared to return to work until I am fully healed and am unable to manage payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: SUNTRUST BANKS, INC.
State: NJ
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 have made multiple attempts to resolve a fraudulent inquiry made by someone with SunTrust Bank, However, SunTrust Bank has stated they are holding their position that this information is accurate and factually sound. 

Therefore, after receiving information from SunTrust Bank, they failed to provided me Definitive proof outside of the personal information they received from a unknown source which will verify they did not speak directly to me to obtain my private information. 

To simply resolve this situation, it is well known that all calls are recorded for training and verification purposes with SunTrust Bank breaches. I am requesting at this time, date, minutes of call in progress, and Audio of this call to be uploaded to the CFPB platform to be proof and verification and factually sound as stated by SunTrust Bank. 

Please provide this Audio immediately, if you are not able to display this level of proof, it is absolutely clear SunTrust Bank can not hold a position of this fraudulent inquiry being factually sound.

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 2019-10-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been going through this situation with chase bank for over a month I deposited XXXX $ into my account the atm took my fund and my account was not credited I filed a complaint they investigated the atm but did not check the camera to prove I deposited the funds they waited three weeks to search the atm they told me that my fund were not located and the atm did not show any funds deposited I explained to the investigator that it was an error  message that showed up on the screen when I deposited the funds I immediately called the bank without leaving the scene the agent told me he saw the error and it took up to ten days to resolve the  issue my case was investigated multiple times I had two different investigators none of them checked the cameras or any of the phone conversations I need my funds it's no way possible that my funds weren't found the bank has basically stole my money if I had took one dollar from a bank I would be in jail my case was not  properly investigated my fines were stolen and I need to be reimbursed I don't know what else to do after this accept get a lawyer and sue I pray this resolves the problem my name is XXXX XXXX my email is XXXX please contact chase bank and return my funds please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Adler Wallach & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AWA Collections was enlisted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to collect charges of over {$500.00} for a root canal procedure. I was told I had to pay {$900.00} upfront to XXXX XXXX before they would perform a root canal procedure. This was performed by XXXX XXXX, XXXX. The office was to preauthorize this procedure which would have been covered by my dental insurance. They did not pre-authorize the procedure. After the procedure was done, XXXX XXXX sent me a bill, since the insurance company denied the claim because it was never preauthorized. The dentist had damaged over {$5000.00} of porcelain veneers on my front teeth when she smashed into my front tooth and broke off the bottom, then filed down the rest of my front teeth and she refused to take responsibility and admit she damaged the teeth. She put a yellowish/grey colored crown on the front tooth that didn't match the color of the other front teeth, after I told her she needed to use a lighter color. I went back at another appointment to have it replaced and after waiting 45 minutes, the receptionist told me the dentist wasn't there and I'd have to make another appointment. They have not contacted me to reschedule and have refused to replace the XXXX  with one that matched the other teeth. XXXX XXXX submitted bill of over {$500.00} to AWA collections, which it now over {$700.00} due to the collection agency continuously adding on fees every few weeks. XXXX XXXX should have written off any remaining amounts they claimed were owed, due to their error/incompetence of not pre-authorizing the procedure, and for the thousands of dollars of damage they did to my other teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan servicer was perviously XXXX and now it is Navient both whom I had major trouble with. I owe XXXX in student loans and I am on the IBR plan. My monthly payment has been calculated to zero due to low income. Despite my low income I was getting help from my family and making payments anywhere from dollars XXXX for the last few years. I have always requested my payments to be applied towards my principal but my payments were not applied correctly, my balance has still not gone down and is always the same. XXXXNavient is just scamming students and has been doing so for years. How is it possible that after all these payments I am still at the same principal balance. I kind of gave up now and really can not afford to play these games with them anymore. I was told by a financial advisor to ask them over the phone whenever i make a payment to have my payments applied towards my principal. They have not done so and have applied my payments towards interest even though there was no interest that had accrued at that time. These student loans and servicers will eat my life away just unbelievable. Instead of helping students succeed so we have more educated people in the USA they make it almost impossible to pay off these student loans and making them absolutely not affordable for students by redistributing payments wrongly. I have enough of this, this is not how students should be treated and suffer. I have enough of this and as of next week I am filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Experian Information Solutions 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-10-06
Company: ERC
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: Information belongs to someone else

Complaint:
The following accounts listed below are fraudulent accounts and does not belong to me. They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions 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:
There is addresses on my credit report that does not belong to me

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 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I still have a collection account from  XXXX   XXXX   XXXX  that should have been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/2021 XXXX XXXX XXXX put a derogatory account on my credit report for the amount of {$430.00} a DEBIT CARD that I owed money on which was NOT CREDIT RELATED and under the FDCPA that is not supposed to be on my credit report being that it is for a DEBIT CARD and nothing credit related I disputed the account and the credit bureau sent a response saying that the information was accurate which in fact it has nothing to do with credit and was a debit card. I have disputed this information several times and still got the same answer that the account was accurate nothing else stating how they did they investigation to know the account was accurate or even if it was CREDIT RELATED

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 2017-08-23
Company: WELLS FARGO & COMPANY
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Filed consumer complaint against XXXX XXXX XXXX with NM attorney general, the complaint, acknowledgement letter and response from XXXX  attached. In response to complaint XXXX admits their company does not keep copies of account correspondence and failed to provide a true and correct copy of the initial validation letter as I requested in my complaint. As stated in XXXX 's acknowledgement letter a " validation letter '' was allegedly mailed to me on XXXX XXXX, 2012, however XXXX instead attached a letter " template '' which provides no evidence of this validation letter existing. In their response XXXX failed to provide evidence as requested in the complaint regarding the validation of this debt. XXXX ca n't produce this letter because one does not exist and never has. Debt validation never occurred due to XXXX XXXX negligence and violated my rights as set forth in FDCPA.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-12-08
Company: AES/PHEAA
State: MN
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 emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out to XXXX XXXX about a bank fee. They stopped responding and continued charging me and eventually closed the account and reported it to a debt collector, TRS Recovery. 

XXXX 's response to the CFPB contained inaccurate information and didn't answer my questions about the fees. Their response encouraged me to reach out to them directly. I did, and to this day, I haven't received a response from them. I filed a dispute with TRS, the collection agency that they sent my account to. XXXX only sent them my bank statements and didn't address the disputed amount. I spoke to XXXX in the customer service department at TRS. She told me that I would have to contact the bank directly. This isn't the way to handle debt collection. This wouldn't have gone into a collection status if XXXX had actually answered my question about whether I could close the account online after bringing the balance to a positive status. I've reached out to XXXX numerous times about this and when they do respond to other parties, they provide misleading information, and they don't respond directly to me.

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