BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Tap-to-Pay feature is not working on my card. I went to the bank five weeks ago and requested a replacement card. I asked if I would be able to continue to use my existing card. He said yes. The new card would have the same number and I should dispose of the old one when the new one arrived.

I waited two weeks. No card. I went to the same bank and talked to another teller. She checked and said the card should arrive in 5 to 7 days.

I waited two weeks and then decided to use the portal for the bank to replace a damaged card. One week later, no card. 
My wife tried to use the card and it came back declined. I had the same problem yesterday. 
I called today and talked to a rep. He told me the new card went out yesterday. He told me it would have a new number. The old account was closed. I got angry. I have several accounts I have auto-pay on the card that I will have to notify and change the number. I have already had two accounts contact me about non-payment. I would never have done this if they had not lied to me about the usability of the card. 
I need the original account re-opened and a card that works on Tap-to-Pay. I don't think this is an unreasonable request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: U.S. BANCORP
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX  with Elan.

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 2017-03-18
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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 despise this! I've already spent months sending disputes and filing complaints with no results. This is really bothering me and causing me stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Resurgent Capital Services L.P.
State: KY
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:
This company keeps overly reporting to the credit bureaus, not to mention I never authorized this company to have any of my demographics or financial information nor have I authorized any company to give or sell my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have previously disputed this debt with LVNV Funding directly & via this resource before with no resolution. They are reporting false information dates & amount due hurting my credit score. They also do not have license to collect debt in the state of Florida and are harassing me with phone calls stating they will garnish my wages & file suite . They are not licensed in the state of Florida and are doing so illegally and harassing calls daily. They need to stop their illegal practices immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclosure document fraud by Wells Fargo as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. 
Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. 
Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. 
Note - Void as it assigns the mortgage from the Originator directly to the Trustee. 
Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. 
Assignment of Note was executed and it states that it was assigned XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. 
XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS WELLS FARGO HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE 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 2020-03-26
Company: Experian Information Solutions Inc.
State: AR
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:
A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX  XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2022-03-28
Company: Receivables Performance Management, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I sent RPM a certified debt verification and cease & desist order about some alleged debt. About some unknown alleged debt. There was no response from RPM of letter. All the sudden on XX/XX/XXXX there is a credit report collect entry in my file from RPM of {$340.00}. They have ruined my credit with this entry. It appears they have illegally used the set the clock back trick. credit report saying this is new debt. They are very unethical and like to pick on people with vowels at the end of their names.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: BMW Financial Services NA, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$20000.00} {$20000.00} XXXX XXXX XXXX {$0.00} Paid, closed 12 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance Loan Amount {$0.00} {$33000.00} Payment Info Status Paid, was a  repossession Updated on XX/XX/XXXX Past due amount - Original loan amount - Monthly payment -

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX. On XXXX XXXX at XXXX i was contacted on my Home Phone at XXXX. The caller Id XXXX, phone no was XXXX. The rep on the phone advised me that their company could reduce all rates on my credit cards to 6 % or less. They then told me the beginning number of XXXX of my credit cards and asked for the expiration dates. Then they asked for the complete credit card #. I refused to give the credit card # s and asked for their website. I was informed they had no website, I then asked for their manager of supervisor. I was then told that all my cards would be cancelled and they then ended the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX 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 2018-06-28
Company: Early Warning Services, 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:
XXXX XXXX reporting wrong info on me. XX/XX/2018 XXXX # Please fix and DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Capio Partners, LLC
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:
FRCA Violation student loans DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX DEPT OF ED/XXXX FRCA Violation collection ASSETCARE LLC FRCA Violation inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015 I requested from BOA the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below :

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: Block, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, I am writing because Im desperate, I have been dealing with this matter since XX/XX/2022. I had went on vacation to XXXX for my birthday and had my cash app card stolen from a restaurant which I know for a fact they have my card and someone from the restaurant made transactions on my card!!! I was walking by the restaurant and asked for someone for directions I opened my purse a few things fell out which the person I spoke to worked for the restaurant seen when I was trying to open my purse and everything fell out. I have tried for weeks to get help with cash app to get my funds back but, they have taken me through XXXX! They put these unprofessional and scam bots on these calls which keeps going into circles. I had to borrow money from my mother because the funds they stole where taken from my living expenses. I feel so undefeated and these people do not care. Please help!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Lendmark Financial Services
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I currently have a car loan showing up on my credit report with Lendmark Financial because the company combined my car loan with a personal loan without my knowledge. They said that they were helping me lower my monthly payments, but they never explained they were turning the full balance into a used vehicle loan. When the company combined the loan I only had about {$1500.00} left to pay off the vehicle. They made the new balance for the used vehicle loan {$6700.00}. I didn't figure this out until XXXX when I attempted to purchase a vehicle. The company stated that it was used as collateral for the loan, but that didn't make sense because the vehicle wasn't worth that much. The company also stated that the manager that did this no longer works for the company. I no longer have the vehicle and at this point the balance of the loan is {$4200.00}. Which means I covered the cost of the vehicle loan. I will attach the accident report showing that I no longer have this vehicle. The vehicle I am referring to is a XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for a Home Depot Credit Card because it said that they offer no interest for 6 months on purchases over {$290.00}. I bought carpet for over {$3000.00} and they are charging me interest even though I have made my payments. They say that I can not get the " no interest '' promotion because the store gave me a XXXX % discount at the time of purchase. Their full page XXXX ad and small print at the bottom says XXXX about the fact that you ca n't have any additional discounts and the store did not advise me of this. Their practices are misleading and deceptive.

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 2023-01-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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 Thursday, XX/XX/XXXX, I cashed my check of {$1200.00} at a XXXX XXXX. I then went to a Huntington Bank in the XXXX  XXXX on XXXX XXXX XXXX XXXX and deposited the money into my checking account at the ATM. After I put the money in the machine, the machine showed an error message and gave me my card back, but no receipt. I spoke the teller and she told me that they don't have access to the ATM or the cameras, so I would have to wait XXXX business days to receive the money. It is now Wednesday, and I still haven't received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To whom it may concern, XXXX negative accounts ( XXXX XXXX XXXX charge off accounts are NOT MINE. see attachment ) on Experian credit report are incorrect. Filed claim to Experian fraud accounts to be removed on XXXX/XXXX/2015 with enclosed all CERTIFIED RETURN RECEIPT communications with XXXX XXXX, police report. Experian is refuse and ignore to remove fraud accounts from my personal credit report stating to direct communication to XXXX XXXX or investigations ends. See attachmentsDuring the last 60 days investigations, Experian found that there were different version of my name on my report, I had to supply my ID and proof of residency and identity.Please see attachment. 
When I knew about these fraud charges was XXXX 2015 by a XXXX collection call. I contacted XXXX XXXX, grantor of the credit accounts through credit report, notified them there are fraud charges are made on my name, demand them to close account and validate via USPS Certified Return Receipts Three times to each grantor. XXXX XXXX ignored my request, never responded me ONE TIME till I filed dispute to credit reporting agency. Please attach documents. 
Now Experian is refuse to remove these XXXX fraud accounts from my record, accusing me that I did not communicate with Grantor, XXXX XXXX, knowing the fact that I had notified them since XXXX 2015 over ( Nine ) months. I filed claim to credit reporting agency dispute simply because I could not wait response from grantor any longer, I had to take an action against this fraud incident. 

Please see Expieran 's response attached. They stated as if I never contacted grantor, this is Impossible. I have been filing claim over and over to Experian, they are responding in only XXXX manner that I need to contact XXXX XXXX direct and XXXX XXXX does not want to do anything about it, and never even attempt to validate charges NOT EVEN ONCE. Just being silent party, meanwhile my credit is trashing as we speak! ( Please see attachments ) I am stuck with fraud account and Poor credit over 9 ( months ). 

Because of this credit fraud incident, my good credit line has been terminated due to dramatically dropped credit scores, I am devastated. Please helpPLEASE REVIEW MY ATTACHED DOCUMENTS, FTC, POLICE REPORT, EVIDENCE OF COMMUNICATIONS, HELP ME TO HAVE EXPERIAN TO REMOVE INCORRECT DATA FROM MY PERSONAL CREDIT REPORT. THESE XXXX XXXX XXXX ACCOUNTS ARE FRAUD CHARGES, I DO NOT KNOW ANYTHING ABOUT IT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is to Synchrony Bank / Care Credit. 
I have a document I sent dated XXXX/XXXX/16 which disputes the collection and requested validation bearing my signature, showing that I ever had a contract obligation to pay them. 

After the 30 days there was no response of dispute on credit report. the account was sold to 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 explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My ex friend posted my info on her social media outlets telling all her followers to commit unemployment and PUA fraud. I then started to get inquiries that i do not recognize. I also got a email from XXXX saying some tried to use another account to file my info on XX/XX/XXXX. I had already filed my return on XX/XX/XXXX. Also, I always file my son. Knowing they do not have my son 's info, the account filed without my dependent is fraudulent. The person who posted my info name is XXXX XXXX XXXX, XXXX : XX/XX/XXXX. Her home address is XXXX XXXX XXXX, XXXX, il, XXXX. I tried to go to my local police department but they told me to file a non emergency report online. I have a XXXX card inquire and a XXXX inquire that was not me. If this woman ( XXXX XXXX XXXX XXXX has your info for any reason report her.

Company response to consumer: Closed with explanation