BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: JPMORGAN CHASE & CO.
State: NV
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:
On XX/XX/XXXX XXXX XXXX XXXX sent a {$570.00} credit to my Chase credit card ending in XXXX. Chase never credited my account for the amount. I contacted both XXXX XXXX and Chase about the missing credit. XXXX XXXX confirmed that they had sent my account the credit and provided me with documentation of the transaction that I then forwarded to Chase by both fax and U.S. Mail as instructed. Chase sent me a letter on XX/XX/XXXX telling me that my request was closed. I have called Chase many times and asked why they will not credit the account for the {$570.00}. They say that they never received the money from XXXX XXXX. I can only assume that XXXX XXXX would not produce false documentation and did send the credit to my account. I am stuck in the middle here without recourse except to file this complaint. I will attach the documentation of the transaction as that is my only proof. I hope you can help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I recently contacted and reported a privacy concern regarding USAA Your submission, [ Case number : XXXX ]. I have since experienced retaliation were they have now closed all of my banking and credit card accounts without reason without proper notification or reason other than a generic notice dated XXXX XXXX that they have decided to no longer do business with us per the customer service department. We have a been customer with USAA for years and they have always assisted us even in our most extreme difficult time and now when I submit a complaint and bring attention to their customer service practices our account abruptly gets closed and stating checks are being sent out from closure of our account and this has severely inconvenienced my family and my husband who is overseas to fight for our country. I have never experienced such infidel behavior and this is unacceptable. I seek to have all of our accounts reestablished and reopen all banking checking and savings and credit card accounts without lapse or gaps of any history affecting our credit. I also want the inquiry removed that was ran beyond my knowledge and my authority. When I called and spoke with their credit card customer service department on XXXX XXXX to report fraudulent charges from XXXX XXXX on my credit card and requested a new card under the same established account and not closure of my accounts. I received my credit card express delivery Saturday faster than expected from XXXX days shipping. Upon my return Sunday I found my card and called to have it activated was advised by credit card customer service I could not and only my account for the credit card was closed and my husbands was open and a supervisor advised they did not know why. They advised i needed to call back on Monday for the reason why. I advised them I have already exhausted a lot of time and requested a call back and verified and provided the new correct number with the supervisor and she advised that I would receive my call back from XXXX - XXXX tomorrow, Monday XXXX. 

Of course Monday morning no call as advised from the supervisor. I called them back after XXXX and was disconnected and transferred to the incorrect departments multiple times to finally get an agent out of the correct department and state they show no reason why as well and was going to have the Manager call me back within 24hrs regarding my account. 

Please help for I am without any money or funds to feed my family. 

No Military Spouse or Family should have to suffer as a result of unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions 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 check My credit. There is an Account That I did Not Authorize nor did I give anyone Consent to open Any account using my Personal information. 
This is Fraud.

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 2022-07-22
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I submitted a student loan application to Sallie May and denied me twice. I asked for a supervisor 3 weeks ago and never called. I wanted to escalate this situation to the appropriate department to show that I really need this loan to my only opportunity that I will from an education. Salie May wants a co-signer and I don't have anyone. My classes start this Monday.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions 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 recently pull my credit report and noticed a few accounts on there that was open fraudulently. I before reach out to the credit bureaus i took the time to reach out to the company and they could not verify any information. I am a victim of identity theft, i did not consent to, authorize nor benefit from any of the following accounts. Block and delete them.

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 2020-06-16
Company: PNC Bank N.A.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PNC has changed something digitally that prevents linking of accounts and digital payments. I now have to pay contractors with a credit card, and they get charged a fee. It's absurd. We used to be able to pay them via ACH by linking our bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
No knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25
Company: Receivable Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My partners daughter 's hospital bills were sent to collections in my name. We tried to get it fixed and nothing happened. Legally I do not have rights to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A deposit slip was filled out with my account number, name etc. and {$100.00} cash was with it to be deposited into my checking account on XXXX XXXX, 2017. The deposit was made into my account and cleared. Several days later on XXXX XXXX, 2017 an adjustment to my account was done without my consent or knowledge deducting {$100.00}. I spent many hours and phone calls trying to figure out why? None of the Bank of America representatives I spoke with could figure out what the issue was. I was given case # and reference # for each call told someone would get back to me and advise me what the issue was and no one ever did. I continued to call in with still no explanation or resolution. I received a letter stating that a posting error was made to my account but no further details were in the letter. One representative told me to go to my local branch and speak with the Bank Manager and that they would be able to resolve the matter and credit my account back the {$100.00}. Not the case after going to the local branch which I was at for three hours, the lady that was supposed to be helping me brought me to her desk called customer service on her phone handed me the phone then she grabbed her purse and lip balm and exited the bank I saw her get into her vehicle XXXX and drive off leaving me at her desk on the phone on hold. I stood up and motioned for another lady which turned out to be the Manger XXXX XXXX she was shocked at what her worker did and apologized. She was able to figure out what had happened apparently the teller that handled the deposit on XXXX 2017 realized that the person making the deposit who is also a Bank of America customer his account was in the negative so the teller made the deposit to my account as the deposit slip reflects but then she also applied the same deposit to his account as the back of the deposit slip reflects with his account number. She mentioned something about the system that Bank of America uses XXXX and that the error was discovered and that is why they took the {$100.00} back out of my account. This error was made by the teller and has caused me a great deal of inconvenience, frustration, stress and time. I have been a customer with Bank of America for over twenty years and I no longer believe in this institution after what I have gone through. I spoke with several employees and not one knew what was going on. Money was just taken out of my account and it still has not been credited back. I was informed by Bank of America representatives that once a deposit is made especially cash there is no way to go into a customers account and take it out which is what was done so I as well as the Bank of America employees were concerned and at a loss.

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 2022-07-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2022 I initiated a credit card application through Penfed Credit Union for their Pathfinder Rewards Visa Signature Card. However, I decided that the card was not a right one for me and sent a request to stop the application process. I never received a reply and I got the credit card. When the card arrived in the mail, I contacted the bank again to close the account and get the {$95.00} annual fee reversed. I never activated nor used the card. The representative confirmed that the account was closed and fee reversed. Today, I received notification that my credit has been adversely affected due to non-payment of the fee that should have been reversed. I reached out to the bank multiple times between XXXX and now to get resolution but never heard back.

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 2020-06-16
Company: EQUIFAX, 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 paid my car loan off in XX/XX/2019 and the credit bureaus reported my tradeline as a collection account or charged off which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spoke with a representative @ CitiMortgage on XX/XX/XXXX who advised no additional documentation was being requested. I spoke with another rep today who stated a letter requesting additional documentation was sent out on XX/XX/XXXX. The rep from XX/XX/XXXX provided inaccurate information. On XX/XX/XXXX we were over 7 business days from the XX/XX/XXXX scheduled foreclosure and could have provided the required docs. Now we are under 7 business days from the foreclosure due to the rep providing inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: CL Holdings LLC
State: FL
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 would like complain about a debt collection.On XX/XX/XXXX I submitted a disputed certified letter to XXXX, XXXX and XXXX requesting a investigation on a collection from XXXX XXXX that allegd that I owe them {$1200.00}. XX/XX/XXXX I received a letter stating that the investigation was completed and verify. on XX/XX/XXXX I sent another letter to all XXXX credit bureaus asking for verification on the reinvestigation neither company replied. XX/XX/XXXX I sent another letter to all XXXX credit bureaus letting them know that they failed to verify items that I disputed. On occasion XXXX capital will be remove from my report and days later put back on my report as new debt this has been going on for XXXX XXXX years I would like this to be removed from my credit report forever.This is violating infringements and injury to my creditabilty. 
Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is reporting a closed credit card account on my Transunion Credit Report that I was an Authorized User on. I've already contacted XXXX XXXX to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from XXXX XXXX that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting 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
Consumer complaint received 2022-07-22
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX spoke with representative that say my car wont get repo XXXX XXXX was wrongfully repo XXXX XXXXreinstated my car XX/XX/XXXX, XXXX sold my car paid off auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I submitted a claim with the cfpb in XXXX ( case # XXXX related to case # XXXX ) where I asked ECMC in writing to cease all phone calls to me at both my work and my cell. Their response on the explanation of closure is " Nevertheless, ECMC has honored your request and placed your account into a do not call status. '' Yesterday XXXX/XXXX/15 at XXXX XXXX contacted me in an attempt to collect on this debt. Then she informed me that no automated computer or recording would ever be contacting me. Today XXXX/XXXX/15 at XXXX XXXX called me and it was a computer/automated call. Then again at XXXX this same day XXXX/XXXX/2015 another call to me was made from ECMC from XXXX. So they are not doing what they promised cfpb, nor me. This case is pending a hearing and I need EVERYTHING in writing either via email or letter. And I need them to cease the calls immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: BSI Financial Holdings, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
BSI Financial Services are reporting lates on my account in XXXX and XXXX. I should not have any lates. I have been making my payments on time EVERY month and I don't understand why they are reporting inaccurately. These lates are erroneous and need to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: WELLS FARGO & COMPANY
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:
Had a claim with Wells Fargo for {$10000.00} of unauthorized transactions and I was denied for no reason when their bank had online issues during the time of the transaction to where I could not see my balance to even know this was happening. I am out of XXXX and am a college student that has no help but me in California. This is absurd and Im not the only one who lost money during this week when Wells Fargo website and call center was down.

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 2016-12-28
Company: SYNCHRONY FINANCIAL
State: AL
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, and I have no knowledge of this.Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

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 2020-06-16
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian still refuse to uphold the law that applies to them.Experian deletes then reinstate a account that does not belong to me back on my credit report .my next step is to have the IRS in this matter.

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