BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
While traveling overseas, I was given a drink that was spiked with a drug that made me unconscious for several hours. During this time my wallet was stolen, a merchant initiated fraudulent transactions totaling over {$20000.00} across every credit card in my wallet, then after I had awoken ( and not realized I was unconscious ) my wallet was returned to me as " found ''. I did not realize these charges were made until I saw fraud alerts on my phone the next morning. 

I have attempted to resolve the issue with Chase multiple times and they have rejected my case and declared " You received benefit from this transaction '' This is false. 

I have tried to contact them multiple times and have been told someone will contact me within 24-48 hours and no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was placed 2 payments in a month, and call the nelnet to check that why it took long time to process the payment the represantive told me that it may take 4-6 business days, and everything alright with the checking account. I even received an email saying that payment is successful, then a few days later I received another email saying that check the bank payment did not go through. I called the bank everything is good, they did not even try to make attempt for payment. I came with the idea that they do n't want you make 2 payment in month because they want all the interest they can get from the borrower. It is so unfair, I am working in XXXX jobs to pay back my school loan, and they are trying to rob me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX complaint filed XX/XX/XXXX with CFPBFYI CFPB : I recently learned of fraud, concealment and non-disclosure at my home loan closing. 
So per recent legal education and opinions to borrowers, I sent certified USPS a letter of loan rescission XX/XX/XXXX to Chase/XXXX al which was received XX/XX/XXXX. 
Chase/XXXX al had XXXX days to file legal action to challenge the rescission or vacate it legally. 
Chase/XXXX al did not do so within XXXX days per TILA, thereby losing all rights and interest, plus the note and deed ( mortgage ) now being null and void as of XXXX or XX/XX/XXXX. 
I sent chase a demand letter XX/XX/XXXX to do per TILA send me the cancelled note, record in the land records a satisfaction of deed of trust and to refund all monies paid by me at closing and my regular monthly payments. 
Chase did not, so on XX/XX/XXXX I retained a local consumer advocate attorney to:1. XXXX send a courtesy demand letter to Chase to abide by TILA law and do the above requested in the XX/XX/XXXX demand letter. This was sent by my attorney to Chase XX/XX/XXXX. 
2. Then, after retaining a nationally known consulting attorney and expert witness on TILA to discuss with my local attorney, I sent to Chase/XXXX al a corrected rescission letter certified USPS on XX/XX/XXXX of the original XX/XX/XXXX letter ( sent without counsel ). 
3. Next, the same day, I recorded the corrected rescission letter of XX/XX/XXXX on XX/XX/XXXX in the XXXX County, Colorado land records as constructive notice to the world on the status of my property/home v. stopping Chase trying to get another free home - not me trying to get another free home - after XXXX rejected by Chase United States government loan modification programs via HAMP and HARP. Meaning Chase does not have jurisdiction or standing to do a loan modification without committing more mortgage fraud let alone foreclose stealing another home from a borrower and the investors conned by XXXX. 
4. So, I am seeking support from CFPB in my planned complaint to file soon with my local attorney in either the XXXX of Colorado or XXXX County District Court - whichever is best for basic TILA enforcement by the COURTS/JUDGES for the borrower & gt ; not the banksters & gt ; which in my state of Colorado lobbied with grease our illegal " Rule XXXX '' kangaroo court foreclosure process with no due process rights.. Which was part of the cause of the CRASH of XX/XX/XXXX and the CRASH of XX/XX/XXXX happening XX/XX/XXXX the past XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Back in XXXX XXXX 2009 conn credit corp was reported on my credit report. I never applied for credit with them at this time I asked them to send proof that this was my account and they never did. The account has been a charge off on my credit report for over seven years with a XXXX balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Balance transfer

Complaint:
On XXXX XXXX, Synchrony Bank contacted me via phone to notify me of the due date of a payment. I assured them that I was willing to accept the late fees and would be making a manual payment online through their payment portal on XX/XX/XXXX of {$84.00}. The CSR asked if I would rather not make a payment over the phone that day and I assured the woman that I would complete the payment on XX/XX/XXXX for {$84.00}. I received a letter on XX/XX/XXXX that I had authorized an over-the-phone payment on XX/XX/XXXX and that I had to contact them three days prior ( XX/XX/XXXX, XXXX days before the notification ) if I wanted to stop payment. In addition, I had already made the online payment manually on XX/XX/XXXX as I confirmed with them. 

I called their customer service and they apologized for the error. I asked for them to either refund the wired amount or send a wire to my account for one of the {$84.00} payments to clear up the error. Both the CSR I spoke with and her supervisor assured me " the only option '' was a physical cut check. I asked them why they could not simply wire to a routing number, as this is something I routinely do at my job in accounting, and with multiple banks, and their only explanation was that it " was not an option. '' They eventually agreed to physically mail an expedited check ( for, again, an online payment made overnight, which they received ) which would arrive in 4-5 business days. I informed them that this still jeopardizes my finances as I had made it a priority to completely pay off the remaining balance. As they had the money and I did n't, and they would not budge or provide explanation, I was forced to accept this as the only resolution.

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 2016-11-11
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: Rewards

Complaint:
I signed up for and met the use requirements for a Frontier credit card with a bonus of XXXX miles. Barclay, the credit card company involved, sent a statement verifying I had met the purchases amount and was now eligible for the mileage. Multiple emails and phone calls have resulted in nothing but wasted time and frustration and the cost of multiple flights to care for my mother during her XXXX illness that would have been covered by the mileage if I had received it. I also contacted Barclay for help and they were only able to confirm my eligibility and refer me back to Frontier

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 2015-11-01
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2015, I filed a complaint against Sam 's Club Credit card because they did not close my account when I contacted them on XXXX/XXXX/2015 to request that the account be CLOSED AND NO MORE CHARGES be allowed ( CFPB case number XXXX ). 

I received a letter dated XXXX/XXXX/2015 from Synchrony Bank in response to my complaint about my Sam 's Club Credit Card. In the response, the company acknowledged that on XXXX/XXXX/2015, I advised them that XXXX XXXX was no longer authorized to charge on my account. The letter further acknowledged that Sam 's Club SHOULD HAVE processed a lost/stolen card request at that time. The letter further stated that, regardless, no additional charges would be incurred because the account was at the {$6900.00} credit limit. Additionally, the letter indicated that Sam 's Club Business Credit account holders receive the courtesy of charging 5 % over the credit limit. The letter indicated that I was to receive a credit in the amount of {$1000.00}. 

I just received a letter dated XXXX/XXXX/2015 stating that the credit of {$1000.00} was reversed ( see attached ) because " Customer benefited from use of card/participated in purchases ''. I DID NOT - my daughter, XXXX XXXX, was allowed to continue using the card after I called to have the account closed! THE CARD SHOULD HAVE ( ACCORDING TO THE ORIGINAL XXXX/XXXX/2015 RESPONSE ) been de-activated ( reported lost/stolen )! Further, there is no FRAUD - I called to close the account on XXXX/XXXX/2015 - the company acknowledged this in their XXXX/XXXX/2015 response. 

And, with regard to the 5 % overage " courtesy '' - do the math : 5 % of {$6900.00} is {$340.00}. They allowed an additional {$1000.00} in charges - a difference of {$690.00}. 

I respectfully request that Sam 's Club ( Synchrony Bank ) honor the original resolution of a credit in the amount of {$1000.00}. 

I am XXXX years old. I will pay the debt up to the {$6900.00} credit limit ; however, I do not believe that I should pay a dime over that because the credit card company did not follow their own ADMITTED internal procedures. 

I expect a letter fully granting the original {$1000.00} credit to the account once and for all - once received, I will pay this credit card in full. There is no fraud - the bank failed to follow their own procedures and failed to close the account when I called to have it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Other

Complaint:
I was billed a late fee and subsequently charged double the minimum monthly payment for XXXX XXXX billing period. A payment in the amount of {$30.00} was made on XXXX XXXX ( in advance of the due date XXXX XXXX with confirmation ). I contacted Belk 's Credit card/Synchrony Bank, was transferred and put on hold for about XXXX minutes. I spoke with XXXX id # XXXX, XXXX and XXXX ( Supervisor ( s ) of Collections ) to remove the late fee, any additional finance charges and to correct the current minimum payment due as I was trying to make payment, XXXX XXXX. XXXX advised that they would remove the late fee but as a XXXX courtesy but the double payment of {$74.00} is still due. I asked for her manager and she stated XXXX XXXX was not in the office but I could leave a message. XXXX transferred the call to XXXX XXXX voicemail. She advised her manager 's name was XXXX and would not give her nor his last name to reference. I was told the office location is in XXXX, NC. Both XXXX and XXXX were rude and condescending basically stating that I should not have paid in advance and nothing would be done otherwise. I am being penalized for making a payment earlier than the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Finance company changed themselves to be the first mortgagee and beneficiary on my insurance prior to loan closing without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( XXXX, Barclays, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( XXXX, Barclays, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from XXXX which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
TransUnion continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they still fail to address the situation. I have contacted the IRS and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. 

This is causing substantial harm to my credit report and yet Trans Union continues to violate the Fair Credit Reporting Act. 


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 non-monetary relief
Consumer complaint received 2015-12-17
Company: Northland Group Inc
State: AP
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:
Scam collections attempt. Shady business practices targeting the ignorant. 
Received a debt collection from Northland for Creditor XXXX XXXX XXXX Northland Reference # XXXX Creditor XXXX Creditor Account # XXXX Account Balance {$25.00} Dated XXXX XXXX, 2015 Northland Group XXXX Inc member of XXXX XXXX XXXX XXXX, NJ XXXX This is the first notice from this debt collector. The amount owed is supposedly {$25.00}. The notice states that it is for a returned check. 

I immediately called XXXX to verify this nonsense. XXXX the initial account rep and his supervisor XXXX ( XXXX case # XXXX ) verified I have never had any debt, late payment and/or any returned amounts. I have also verified this with my bank searching as far back as 1 year of bank statements. Additionally, this letter was dated XXXX XXXX, 2015 but indicates absolutely no specific date of occurrence or even suggests a date range. 

I find it shady also, that the pre-determined address selections in XXXX complaint process for Northland Group : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN Main Billing Complaint Mailing are not even related to what is on the actual mail I received. 

Another fly-by-night scam operation targeting the ignorant. 

Seems as though the XXXX Personally Identifiable Information ( PII ) leak has lead these XXXX collections scam artists to attempt and collect from those not so wise to their games. 

Northland had replied to a XXXX compliant ( XXXX Case No. : XXXX ) I filed, stating the exact date, time, items and amount of purchase being that of {$36.00} on XXXX XXXX, 2015 at XXXX. However, this transaction does not take place on my bank account on the specified date but on XXXX/XXXX/2015 and it does not reflect an issue of payment. XXXX also has confirmed that this was not a failed ability to pay. This leads to one fact, if I had not called and verified with XXXX, checked my bank account, or filed a complaint with XXXX, Northland would have gladly took my money and more. 
Bottom line, somehow Northland is collecting false data from various vendors, or XXXX is leaking information to collections on false pretenses. Either way, if I had paid Northland like so many others had, I can only imagine how many false collections have lined the pockets of these scam artists over the years! On XXXX sides, Northland and XXXX, should be immediately addressed on this matter and dealt a swift punishment. Additionally these companies should be required to compensate those that have ignorantly paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband was trying to add me to his checking account and due to chexsystems and an alert for my name due to previous identity theft they were unable to add me to the account but they did n't give me any information what to do so that I can get added to the account.

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 2015-08-27
Company: Eastpoint Recovery Group, Inc
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Due to family hardships I was unable to keep up with the payments.I called XXXX XX/XX/XXXX to inform them of my situation and ask for assistance I was told I need to pay the full amount. The loan was then send to debt collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY spoke to XXXX XXXX XXXX, XXXX XXXX XXXX who said They knew where I lived and all my information, and would go after everything I had and that I better pay by XXXX XX/XX/XXXX because they were sueing me and a lawyer would come to where I was. They would take my Home and retire, ent income. References were called and given personal information and were informed that it was an emergency because I was in trouble. The resolution was they gave me after saying they would help me was :1. Borrow money to pay2. Get cosigner 3. Take my retirement money 4. No pay, nets accepted if I did not give the {$6000.00}. 5. Judge would take everything including their attorney cost and interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date XXXX Balance : {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents

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 2016-08-24
Company: Razor Capital, LLC
State: TN
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I made installment payments directly to the company, which is XXXX, and the loan was paid in full in XXXX 2016. I have an email of the pay schedule and also confirmations of each payment made. I expect this company is a scam and just looks for predators,,, ,well, they have met the enemy and need to leave me XXXX alone!!!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Over the past year about XXXX has been stolen from account they have tellers there that appeared to be stealing stealing from my account and ascessing from the account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Lockhart, Morris & Montgomery Inc.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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