BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is related to the difficulty in obtaining a deferral agreement or modification agreement from Select Portfolio Servicing Inc and XXXX. I am in the process of refinancing with a new mortgage lender to avail of a lower rate. Everything was going well until I came across this problem with obtaining this specific document. I have contacted SPS multiple times since early XX/XX/XXXX. I was told to contact my former Mortgage lender XXXX  ( an entity of XXXX ) who originally issued this deferral. XXXX  sold my account to SPS in XXXX. I have contacted XXXX in hopes that they will be able to provide me this document, but to no avail. Both lenders denied that they have this document. Meanwhile, this back and forth process with these two companies, SPS and XXXX, caused my refinance to be put on a halt. As a result, I may lose my chance for a better rate. I am hoping that with your help I will get a much faster response and a positive outcome. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: KY
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: Problem with personal statement of dispute

Complaint:
I closed this account in XXXX due to lose of work and agreed to a string payment of XXXX dollars a month until paid off. I was notified 5 years later by phone that I had a pass due payment. Which I questioned at the time on the XXXX dollars a month until paid off. I was informed that their string payments can only go out five years, that it had gone past five years and now your responsible for the payment. I told her that it would of been nice to receive something in the mail, a phone call or something letting me know. I asked what was the remaining balance, she informed me that it was XXXX and some change. I paid the remaining balance off with the agreement with here that a late payment in XXXX would not be reported on my credit report, due to them not contacting me or sending out a statement. It still shows up as a late payment.

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 2022-04-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hope you're doing well! I'm reaching out because of a dispute that has been challenging to resolve. I have been a Citi customer for years, but they have been incredibly difficult and frustrating to work with on a dispute that has taken 4+ months and counting. I have received contradictory information throughout the process.

I'm not sure who to trust ; the merchant has told me repeatedly that they approve the refund and yet behind the scenes, is telling Citi that they can not. Citi has charged me for this Covid test that I did not receive, despite assurances that they wouldn't. I would really appreciate your help. Below is the relevant documentation and some brief context, as the email exchanges are quite long. 

-- -- I have attached the relevant documents. As brief background, I went to get a paid covid test for {$150.00} on XX/XX/XXXX at XXXX in XXXX XXXX XXXXXXXX. Since, then : - When I reached out to XXXX initially on XX/XX/XXXX, they told me that they processed this refund on XXXX ( " XXXX  refund processing '' ) - When I didn't see anything returned to my Citi credit card, I reached back out to them ; they told me that they do owe me the {$150.00} but are unable to process the refund on their end due to XXXXXXXX XXXX policies and requires the dispute to close in order to do so - I shared this documentation with Citi to resolve the dispute, but Citi closed the dispute in the merchant 's favor - When I called Citi customer service to get more context, they advised that I should never close the dispute and have their team reopen and resolve it ; they advised to get in writing that XXXX approves of the refund and send that in, which I did ( " Proof of refund approval '' ) - Despite reopening this dispute, the dispute was againresolved erroneously in the merchant 's favor ; today, I received a letter from Citi today saying that they are " unable to continue your dispute as we have determined the merchant is unwilling to issue a credit '' ( " Citi denial '' )- I have just sent another email to Citi asking for them to resolve this

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 2017-05-24
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I applied  for two Tuition Answer loan s with  XXXX   XXXX  in  XXXX  and  XXXX . I filled out the applications as the student and main borrower of the loans. I asked my father to co-sign. A few years after receiving the loans I called to have the co-signer removed from the account. i was told that I myself was the co-signer and my father was the student/borrower. I informed them no that we filled out the applications as myself as the student and main borrower. The stated that my father was placed as the main borrower because his  credit score was better and if they would not have done that then we would not have gotten the loan. They stated that there was no way to switch it now. There is also no way to removed my father from the loan ever because he was the student. He never attended school and never was the main borrower. We have tried to have it switched and it is impossible. My father will always be stuck with this loan, because they lied and did something we wished never to have done. If my credit was no good enough for the loan they should have denied me and not went behind our backs to saddle us with a loan. We was promised that we could removed my father from the loan   within four years  from disbursement. Now we will never be able to do this because the lied and put him as the student borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a fraudulent debit card charge to my bank account. I contacted the bank on XX/XX/2002 and advised them that this was not my charge and I was disputing the amount. Thereafter, the bank credited back the amount charged by XXXX XXXX in the amount of $ XXXX also personally went to the XXXX XXXX and talked to the manager and he said he would get it straightened out. A letter was received from TRS Recovery Services on XX/XX/2002 stating that I owed this ; on XX/XX/2002 I replied with a letter to TRS advising that this was a fraudulent charge. See attached.

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 2022-09-06
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to XXXX XXXX, this debt collection is fraudulent by selling debt that was not signed with the wet ink blue signature of the consumer. According to all the consumer laws this is fraudulent and soliciting false fraudulent debt practices that was bought cheaply to acquire debt.

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 2022-09-06
Company: CL Holdings LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Jefferson Capital says active in XXXX and opened XXXX and reported in XXXX as current.I need this off and removed from my report.Its been 7 years.I am not associated with anything with this company.Im not sure if its been sold without my consent. XXXX XXXX are not a company that I have been with.Open date says XXXX from an original dateXXXX & XXXX has been sold without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: M&T BANK CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
M & T Bank recently acquired People 's United Bank. The transition has been a disaster and has left me unable to access my personal and business bank accounts. We had plenty of warning that we would not have access to our online banking until this morning. However as of this morning their online banking website is " temporarily unavailable ''. I tried calling multiple times and the wait times are so long I decided to drive down to the nearest branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). There was a gentleman in line there who said the ATM ate his card and he was unable to access any of his accounts. I talked to the manager and she said they were having problems as well. She could access my information to confirm my money is safe, however I could not do anything with it since the branch had not received any bank checks and whoever was supposed to swap out their equipment over the weekend didn't finish the job. Unfortunately that leaves the workers at the branch ( manager and tellers ) unable to assist with many basic banking functions or to answer any questions. 
As it stands I and many others are now locked out of our accounts and especially for business owners like myself this is very devastating. Please investigate M & T because this should not be allowed to happen when livelihoods are at stake.

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 2020-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have ask Trans Union to verify that my signature ( wet ) was on any of these 7 inquires that's showing on my credit report I have a fraud alert set up on my account that is suppose to notify me of any credit activity. I never applied to any of these companies. Trans Union isn't following the Data Furnishing Standardize Policy by verifying all data before applying it to a Consumers 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 2022-09-06
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This complaint is/will be very brief, because I have no more time to waste on people that dont respect me. See the attached screenshot. In addition to the screenshots that were sent to your executive office vis -- vis email the other day, please see the following attachments. I have a screencap of Chases system once again randomly messing with my available credit. Please see how my current balance is {$1000.00}, pending charges total {$1800.00}, and the amount of available credit ( from a supposed limit of {$3700.00} ) is only {$800.00}. I have purchases from sellers on XXXX who are expecting immediate payment. I have been unable to pay them because your card doesnt work ( and neither does XXXX, but thats another issue ). The point is that I should be able to use my credit when I need, and I havent been able to do so through no fault of my own ever since I got this card. And it is adversely affecting my ability to live, eat, do business, etc, continuing into the present day. I was on the verge of suicide last week and had the police come do a welfare check because I am so depressed and beaten down by you people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank will not return the money I have in my checking account. There was a problem with a deposit. I was told that the person who made the deposit into my account had to bring identification to a Chase branch. I was told to do the same. The person who made the deposit has disappeared. I am the victim of a scam. I explained this to many Chase reps & managers. I dont want the deposit! I want my money released and my accounts closed. I dont believe Chase has the right to keep my money. Chase was not hurt by this transaction, I was. Now I am further scammed by this bank. I want this resolved! Its been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
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: Information belongs to someone else

Complaint:
I Have Been A victim Of Identity Theft. I did Not Authorize nor give anyone Consent to open This Account this Account Has to be removed From My Credit. 
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 explanation
Consumer complaint received 2020-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020, I called Bank of America to file a claim on 6 fraudulent transactions totaling {$2600.00} on my checking account. Transaction attempts were at XXXX XXXX and XXXX XXXX in California, Texas, and Tennessee all made on the same day, XX/XX/XXXX. Value of transactions were as follows : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Spoke to a representative that evening and they mentioned that those transactions were very obvious fraud attempts on my checking account. They assured me that a fraud claim would be made/approved and immediately cancelled the debit card that had been compromised. A new debit card was issued shortly after. 
On XX/XX/2020, I received an email from Bank of America stating that the claim had been resolved and records showed that the transaction activity in question was authorized and posted correctly in my account. This was not correct as I did not make those 6 transactions. I called Bank of America and was told that they are unable to do anything since I approved the 6 attempts with a PIN number. After being disconnected, I called back and spoke to a new representative. I then asked the new representative to list out every transaction they had on the claim that had been filed. They listed off a total of 14 transactions and mentioned that they could not do anything because I approved those with a PIN number. It turns out that they had added 8 legitimate transactions to my claim about the 6 fraudulent attempts which is presumably why the claim was being denied. 
Bank of America did not file the claim correctly and I want to ensure this is documented in case my new claim is denied.

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 2017-05-24
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have contac ted discover be cause I realized I am still being billed for payment protection each month. I enrolled in auto payment and paperless billing. I do not use this card for purchases and use the app to confirm my payment went through and see the balance going down each month and never up. But apparently th ey are sneaking in payment protection. I called them and they offered me the max of a six month credit. I did research online and saw there was a law suit about this that was settled and that Discover had  to notify the customers and refund them. The woman tonight on  XXXX   XXXX  informed me their policy changed in  XXXX  and I no longer qualify for the full refund only th e six month. When I asked why I was not informed she mentioned they mailed it to me which I never received! I asked for a copy and they said the copies are property of Discover and I am not allowed to see this but to be assured it was sent. Why would I ignore this and wait until now to call about it? Of co urse I would want a refund asap!     I have been billed hundreds of dollars a year even recently and have not been refunded for these fees and I never signed up for this or have been explained the fee or agreed  to it. One woma n said since  XXXX  I signed up then the othe r one si nce  XXXX  and I said how I did n't open my account until  XXXX . I am only trying to get a refund of atleast  XXXX  to current. I was never informed of the lawsuit and was never offered any refund and one was never applied to my account previously. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 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 report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 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 report agency can not furnish a account without my written instructions

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 2022-04-12
Company: Experian Information Solutions Inc.
State: PR
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/XXXX I contacted Experian about the following negative account ; US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal 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 2022-04-12
Company: EQUIFAX, INC.
State: PR
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/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} ), US DEPT ED ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} ), XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6900.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent all three credit bureaus a letter that they were reporting inaccurate and incomplete credit information and that i needed to see verifiable proof. They are not complying with regulations based on my request for an investigation.

Company response to consumer: Closed with explanation