BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: U.S. BANCORP
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During the last 120 days, I have 3 complaints against US bank for their very confusing online banking system for credit card. I don't know why they just show 3 of my credit card? 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 even when I have overall more than XXXX credit cards with us bank. 
I have no idea why US Bank made it so complex for anybody to understand how to make the payment, autopay or change the bank account ( from which to make the payment ). I have called US Bank at least 5 times and conveyed the same but no impact. I am in Information technology for 27 years and worked for financial systems for around 15 years ( 8 years - credit card ). If somebody like me is not understanding their system - then there is something really wrong. there is no impact of feedback on US Bank. IT employees, customer service are inefficient and hopeless. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. I called them during last 4 days - they were clueless. What I want? Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service. 

Today I got another statement from US Bank for the credit card ending in XXXX. It says there is a {$39.00} late fees. I have been asking for US Bank for so many days. This credit card doesn't even appear in my online account. If i don't know I have a credit card and i need to pay then how come I can make the payment. Based on this statement when i called at XXXX at around XXXX to XXXX XXXX XXXX time, I talked to an old gentleman. This person took my routing # and account # - record 3 times and couldn't process my payment. Then he gave me another phone # XXXX to make the payment. It seems that number is for some business line for US Bank and they are closed on Saturday. Once again I called XXXX at around XXXX XXXX XXXX XXXX and payment was processed.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to XXXX XXXX which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.

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 2023-12-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.

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 2023-09-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I put in a request for my XXXX XXXX to show paid in full. I have had it.Im tired of waiting for your update. XX/XX/XXXX I will be filing a lawsuit against equifax and XXXX  I sent you the proof the account was paid in full. There is a difference between paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
Lowe 's of XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone ( XXXX ) XXXX http//wwwlowes.com. I bought on line ( XX/XX/XXXX  ) a storage shed. The person assigned to pick the shed up was XXXX XXXX, who pay it again and did not keep of the receipt of the transaction .On XX/XX/23 we went to the store in order to get a duplicate of the receipt, like in other stores ( XXXX XXXX ). The employee who assisted us were XXXX and XXXX who give us a document that says WAS SOLD TO XXXX XXXX, but not the copy of the receipt. I put a claim on the Synchrony Bank/ Lowe 's Advantage Card XXXX XX/XX/23 I spoke with XXXX . Later I saw that Lowes charged me the amount of {$460.00} again plus interest. I call them and XXXX told me that the case was solved against me ( XX/XX/XXXX  ) and they would let me know in writing. Since the letter has not arrived I am turning to you to help me resolve the case. I present this petition in XXXX to Consumer Protection Division and XXXX XXXX and she sent me to your agency. 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 monetary relief
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Nelnet, Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is not updating my student loan balances with credit agencies. They have not provided an update since XX/XX/XXXX. During that time, I have paid off my student loans entirely. I have filed disputes with the credit agencies that go nowhere as I am told, generally, that they simply report the information from the debt holder. I have attempted to contact Nelnet on multiple occassions, but after two to three hour hold times, the call usually drops, but if I do get someone, they aren't in a position to actually do anything, and say that Nelnet reports the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of america/edd I am got the first car that they send to me I wait for about twoXXXX  morning, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I call to bank of America Customer service And file dispute I call to check on my dispute status update and they told me still in progress.and I be waiting for the about almost 3 years already

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 2023-12-17
Company: Nelnet, Inc.
State: WA
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:
- XX/XX/2023 received an email notice from Nelnet that my student loan had been transferred from Great Lakes to Nelnet. At this time, though, by student loan balance was {$0.00}, as it had already been paid off. 
- XX/XX/2023 I checked my credit report via XXXX XXXX and saw several increases in my student loan balance, reported by Nelnet. Between XXXX to XXXX, the balance went to {$350.00}, then to {$410.00}, to {$2000.00}, to {$3400.00}. 
- When I tried to log into my Nelnet account, I received the message We do not have a current, valid email address or phone number on file for you to send the authentication code to, despite proof that they already have my correct email address ( hence their original email to me ) and my phone number has not changed. 
- There should be absolutely no balance owed on my student loans, and certainly not over {$3000.00} after only 3 months of student loan payments starting again in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
tried to close bluebird account. says XXXX for service. no one was able to assist after calling multiple times. was unable to close account or speak to anyone able to help. requested supervisor over 10 times and was ignored over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I have had a cash app account for sometime and I received requests from two people I did not know have never heard of or had any dealings with and I declined them and Cash App closed my account. I have tried to contact them in regards to this and they keep saying that they sent me an email when they did not I have checked all of my emails spam included and nothing there. They say they sent me email and they closed my request and reopen it I have done this twice had to wait two months for this to happen and they will not do anything about it I did not violate their terms as they say because why should I pay for somebody pay money to somebody I dont know. There was no reason that they close my account and therefore I want it reopened so I have access to Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I transferred my loans to motels in early XXXX and had to call multiple times to eventually learn that my application had essentially been stuck and that they would need to put it back in the cue. 

Early XXXX I received notice that my labs are transferring but the online account showed XXXX balance until mid XXXX. On XX/XX/19 I was able to see a balance and an expected payment of ~ XXXX XXXXXXXX. This is greater than XXXX the amount that studentaid.gov calculated for IDR and almost twice the standard repayment rate. 

At the same time I have been trying to silly for a mortgage but can not currently get through underwriting unless I have formal documentation of my actual payment. 

I submitted a new IDR request and have been calling nearly every day and have been getting told 5-7 business days or 1-3 more days.

I called today to again request sons assistance in expediting the process. Later XXXX  the application has changed to approved online but without any change in the listed payment. I called back and they said it could take up to 90 days for the system to reflect this. 

I requested a letter explaining that I had been approved for the plan and the expected payment and was informed that it would be at least 5-7 days to process the request for a letter and that it would have to go through traditional mail. 

They were unwilling to try and find an email solution and told me if Id like to speak to a supervisor that there would be a 2hr wait.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a consumer who reported my account has suspicious activity after visiting a XXXX online store. A day later they told me i was receiving a new card. Now a day later they are telling me my funds are blocked and that i am unable to receive my funds on my other accounts that had no correlation to the unauthorizrd charge. Also the bank manager at m and t in XXXX  is giving me little to no information. I all very concerned about my money and the disspersemenr process and know one is telling me nothing

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 2023-12-19
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is an exact copy of the letter sent to PenFed Credit Union. This is in regards to PenFed Credit union credit card account XXXX. 

Earlier this year, there was questionable activity on another credit card. I called all my credit cards and put them on hold. When I went to pay my PenFed card the next moth, I could not access my account. I called, and was transferred to the fraud department. This very rude person that I have spoken to a half dozen times went through an identification verification process and told me they unlocked my account. They did not.

I can only call on days when I am not working, because I can not talk on the phone while I'm at work, and your customer service is closed before I go to work and after I get off work. Still, I have gone through that same process six times. I have gone through the entire identification verification process twice. I have called numerous more times than that. I have spoken to several different people in several different departments, none of who can figure out how to correct my account. I can not make payments online, I can not make payments over the phone. This has now been going on for months. 

I would like your company to figure out what is going on. I would like you to fix my online account so that I can access my account and make payments. I would like you to correct whatever is wrong with my account so that I can make payments over the phone. I would like all overdue fees to be forgiven, and I would like you to report to all three credit agencies that all delinquencies on my account are your fault and have those reports removed from my credit score. I would like my payments to resume as normal, with no late or overdue fees, because I have done my due diligence to resolve this issue and I have spent hours and hours on the phone with your company over dozens of phone calls trying to get this issue resolved. I would like you to tell me when this is resolved, because it is causing me mental duress to continue trying to resolve this week after week for months. I am a XXXXXXXX XXXX and as I have stated to your employees many times, my physical and mental health issues make this enormous amount of stress very difficult to handle.

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 2023-12-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am a victim of identity theft, my information was compromised and fraudulent transactions and credit cards were opened without my authorization. I do understand that because my information was compromised, my account could be at risk however I did add extra security measures over my social security number and other bank accounts and my drivers license. With this extra security measures, I get additional screening before any applications get approve with any government assistances or loans. I think with this extra step chase should consider giving a second chance and allowing me to full take control over my chase account. I've had my chase account for 5 years and this has never been an issue up until I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit 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:
On or about XX/XX/ I noticed a large sum of money missing from my account and when I check my account and realized that a XXXX XXXX  was withdrawing this money from my account I immediately called Wells Fargo bank and although the gentlemen that I spoke with said they would reissue me a temporary credit well they have not and continue to refused to give me the money that was taken out of my account without my consent or knowledge and despite me issuing police reports and an a affidavit of truth and facts ( see attached ) they still refuse to reissue me the funds stating that the transaction were authorized, although they have no proof of previous business or dealings. I dont nor have I ever knew a @ 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After looking at my TransUnion consumer report today, I found that my consumer rights were violated in many ways, IAW 15 U.S.C. 1681a ( 2 ) ( i ) : Exclusions, late payments/ transactions are not to be reported on credit reports. 15 U.S.C. 1681 Sec. 604 A Sec. 2. I've never given TransUnion consent to report anything on my report. I have the right to privacy. 15 U.S.C. 1681b permissible purpose of consumer reports. I've Never given anyone my permission to share or report any of my information. The inaccurate Accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has violated my rights under 15 U.S.C. 1681e ( b ) : Compliance Procedures, and 15 U.S.C. 1681i ( 5 ) : Reporting inaccurate accounts and they can't be verified with proof that I have requested already. U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ; I never gave anyone written instructions. 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports. 15 U.S.C. 1681c ( a ) ( 5 ) States : no consumer reporting agency may make any consumer report containing Any other adverse item of information. You've also violated the United States Code Law under TILA, 15 U.S.C. 1666 ( b ) Billing error. I demand these late payments be deleted, and my payment history be Updated to PAANL status immediately.

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 2023-12-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
on XX/XX/XXXX  I submitted a XXXX request as well as a hardship letter attached. 

I called the servicer several times over the next several days and was told it was being reviewed. On XX/XX/XXXX I was notified by an agent that they needed the hardship letter re-sent to them. I immediately sent it by email. this was XX/XX/. 

I called them on XX/XX/XXXX  to make sure they received the hardship letter. They stated that they had it. 

They mailed me a letter on XX/XX/XXXX  that i received on XX/XX/XXXX  stating that I was missing the completed XXXX form. That is ridiculous. On XX/XX/XXXX  I uploaded the additional XXXX form they requested. 

On XX/XX/XXXX  they mailed out a letter stating that they received a complete XXXX request and that it would take up to 30 days to review. 

On XX/XX/XXXX  they sent out a decision letter stating that I was denied a XXXX review because they didn't receive the requested XXXX document. 

I sent this information several times. They denied my modification request without reviewing it, and refuse to open a new XXXX request because they have already reviewed it. 

They never reviewed it, or even asked for income documents. I deserve to at least have the opportunity to try to retain my home. Please contact them and make them provide me a proper XXXX review. 

When I call them by law they are supposed to have a designated relationship manager that is assigned to me. there is one listed on my letters but when I put in the listed extension I never get that person. I get a different one every time and they are not familiar with my file. And they all tell me different things. Not one until yesterday ever gave me the number of the dispute department. 

They should not refuse me aa XXXX review. Please help me. I am a XXXX veteran that was affected by covid. I went through divorce and was in a XXXX XXXX  accident and underwent XXXX  XXXX. I am finally able to get things on track and they wont help. if you need any additional information please contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: Midwest Fidelity Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I am receiving frequent text messages from Midwest Fidelity Services LLC debt collector ( XXXX ) XXXX for a debt in the amount of {$4300.00} from XXXX XXXX. I dont recollect ever taking out a loan with XXXX XXXX for this outrageous amount. 

I want Midwest Fidelity Services to stop texting me requesting I pay this outrageous debt.

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