BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Conduent Incorporated
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My WI XXXX XXXX Eppicard was suspended for fraudulent activity in XXXX. Twelve unsuccessful attempts to speak contact customer service @ # listed on card. Minimum time waiting was 45min max time in line 2.5 hrs. Never speaking to a live person. Each call attempt was made @ diffrent time & day of the week to rule out high call volume times. 

After waiting 65 minutes I spoke with a Level 1 representative who said id need to speak with a L2 agent. 204 minutes wait time. The L2 agent asked for the same information I provided L1 After L2 verified my information was correct transferred me to L3 agent to lift suspension from my card. My call in queue 137min. When the L3 agent answered the call was dropped. 
Forcing me to start over @ L1 At L1 or L2 I wasn't given an explanation for the suspension. The fraudulent activity was never addressed or mentioned by representatives, agents at all. 
Wait times are unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXXBalance $ XXXXDate Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$100.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance {$760.00} XXXXBalance {$1200.00}

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 explanation
Consumer complaint received 2020-11-11
Company: Computer Credit, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX charged me for hospital, ER, and emergency department services on XX/XX/2020. I was no where near XXXX XXXX XXXX XXXX or ER on XX/XX/2020. The charges are fraudulent. XXXX XXXX 's is sending me threatening notices. The services I did receive on XX/XX/2020 were at XXXX XXXX 's XXXX XXXX XXXX XXXX no where near the hospital ) and all those services were paid 100 %.

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 2016-08-22
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I have been charged by a transaction for a lodging service I never received. In terms to solve this issue, I opened a dispute with my Credit card provider, JP Morgan Chase, and followed their instructions. After I provided everything concerning this case, including mailing by post office to Chase the docs that prove I never could make this hotel reservation, Chase has decided to position itself in favor the merchant instead to defend my interests as their client. So Chase has communicated me that they have decided to charge me with this transaction anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: NC
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 started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, {$1000.00} was taken out of my Chase savings account ( transaction number XXXX ) and {$500.00} from my checking account ( transaction number XXXX ) at the Chase branch ATM at XXXX XXXX XXXX in XXXX. I immediately noticed this the morning of XX/XX/XXXX and called Chase to report that I did NOT take out any monies from those accounts at that ATM. For more than 20 years, I have never taken more than {$400.00} out at one time. 

The monies were put back in my account but were reversed out days later ( claim reversals XXXX and XXXX ). When I called Chase, the representative said that my physical card and number were entered and I was responsible. A phone text was sent to confirm when the monies but I received no text message and I did NOT withdraw the monies, I have gone to the branch to request reviewing the ATM video to prove that it was not me withdrawing the money. The branch manager ( and then the claims department ) refused to look at the tape. How else can I prove I did not withdraw the money. 

To Chase, the {$1500.00} is an insignificant amount of money -- but not to me. 

The claim number is XXXX. I am afraid to put in monies in these accounts because this may happen again. I don't think I have EVER withdrawn money from that Chase ATM branch. The Fraud Compliance number for Chase is XXXX. 

Your help in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
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:
In XX/XX/2020 I've placed an order on Amazon website from a third-party seller XXXX XXXX XXXX for XXXX XXXX XXXX Music Player fro the amount of {$3800.00} and used my Visa XXXX to pay for this amount. The package was delivered to my address in XXXX XXXX, NY, however the condition of the item wasn't as described - unit wasn't powering on and I couldn't receive any customer support from the seller, therefore I've requested a return due to the item arrived wasn't in the condition as described. Seller provided me with the return information and the item was successfully returned via XXXX XXXX XXXX XXXX XXXX as of XX/XX/2020 and I've received an email from Amazon with statement 'Once XXXX XXXX XXXX receives the item below, we'll issue a refund to your original payment method '. However, I haven't received a refund and filed a billing disputed. For your convenience, I've enclosed all the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I used a care credit card for a purchase at my Vets office. I agreed to the terms of XXXX months not XXXX months. The manager of the vets office called the credit card company and advised them she would make sure the terms were changed to the correct terms. I called the credit card department after XXXX weeks to find out why they have not been changed. Then they claim she had to do something on her end to fix it that 's why its not done. I was told I didnt need to worry about it. It was on their end that they saw the notes where she called in to okay it and it would be another XXXX weeks to fix it. A week later I get a letter and I am told it wo n't be changed. I call today and now they clam the office manager never called and made the change even know I know she did because I was on the phone with her when she did on a XXXX way call. I believe care credit is trying defraud me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27
Company: DISCOVER BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX I received a notice from Discover Bank that XXXX was no longer available to me because I enrolled in the service after XXXX. I had transfers in progress at that time which did not complete due to this action. Subsequently I opened a new bank account at a XXXXXXXX XXXX  and attempted to enroll in XXXX. I received an error message. I contacted Discover Bank to ask that they unenroll me from XXXX, which they said they had done. I tried to enroll in XXXX again via XXXX and received the same error as before. I asked XXXX to look into the issue, and they said a ticket was opened but there has been no response. I spoke with Discover Bank a few times and they would not tell me why XXXX was made unavailable or when it would be available again. 
I have communicated with others on XXXX and XXXX who have similar issues. 
XXXX ( XXXX ) I received a response from XXXX via XXXX that I should call their customer service phone number and spoke with someone who told me my phone number and email address were placed on a restricted list. They will not tell me why I was placed on the restricted list or how I was placed on the list and indicated that there isn't a way to get off the restricted list. 
I am not aware of any issues with transactions on my accounts or any fraudulent activity. 
I did speak with someone in the executive offices at Discover Bank who alluded to Discover notifying XXXX that a large number of accounts were fraudulent, and that this may have been in error. 
I would like to be able to use the XXXX service again but am unable to do so due to being placed on the restricted list. So far as I know I have not used the XXXX service in a way which would violate the terms of service or any regulations. 
I believe that there are many others in a similar situation and that this is due to an overzealous attempt to prevent fraud, but it has restricted my ability to send and receive money from friends and family. 
I request assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
I had an auto loan with JP Chase I have a record of 99 % ; paid on time .for 5 years A late payment is reflected on credit bureaus I have copy of the check sent on time by XXXX XXXX XXXX I have a letter from JP chase stating the account was paid in full no late payment. I need JP auto loan to correct the information of a late payment I was never late I demand from JP Morgan to report to all credit bureau this correction as soon as possible is affecting my credit report potentially negative

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After the pandemic, I called the mortgage company for a forbearance program in XX/XX/XXXX. 
Now I wanted to come out of this forbearance program and called the mortgage company last week on XX/XX/XXXX ; the mortgage company mailed the letter on XX/XX/XXXX, and its reach on XX/XX/XXXX to approved a deferral agreement of outstanding payment. To accept this, I need to pay {$1600.00} before XX/XX/XXXX. I called the mortgage company today and talked to XXXX and her ID XXXX and asked for the payment date to extend to XX/XX/XXXX. Because my payday is XXXX, XXXX told me they couldn't extend the date and would lose the house. XXXX is the supervisor for SPS ( Select Portfolio Service. their phone number is XXXX. They are threatening to foreclose the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, I financed a car through XXXX XXXX, who 's financing manager was acting on behalf of Chase Auto Finance. I have an XXXX FICO score and was offered a 3.9 % interest rate for a new auto loan. I asked the finance manager why Chase was advertising lower rates ( 2.49 % ) on their website and he stated I would need to talk to Chase ( after my loan closed ). I contacted Chase as soon as I received my billing information from them and asked why I was n't offered a lower rate, commensurate with my credit score. The agent for Chase could n't answer my question and transferred me to a Chase auto finance manager who informed me that the finance manager at XXXX XXXX ( acting as an agent for Chase XXXX was able to mark up the interest rate to whatever they felt they could " get away '' with. The fact that I could obtain a lower interest rate from Chase for the same term and amount was never disclosed to me. I assumed, as a reasonable consumer, that Chase would offer a competitive loan rate regardless of how it was obtained ( ie. online, branch, or auto dealer ). I feel that Chase Auto Finance and their agent XXXX XXXX engaged in Unfair, Deceptive Act and Abusive Practices by offering the same loan for the same customer at different rates, based upon the acquisition channel and not disclosing as such. I also do not feel that Chase has proper XXXX party oversight for auto financing agents making auto loans on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It is high time credit providers should be able to provide interest rates on mortgages without the need to pull ( ding ) credit or do a full underwriting to do so. The major factors of credit score/LTV/terms requested style ( fixed/variable and maturity ) should be more than enough to quote current interest rates without playing the games of requiring all information thereby locking the borrower in to using them as the provider. It is just a sales game and needs to stop complicating the process. Providers need to set themselves apart and make themselves preferable via the service they offer rather than trying to handcuff borrowers via the request for excessive information and credit dinging.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, equifax and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Enough people, like me, I do hope report the injustices of banks like Wells Fargo taking advantage of the hard working earnings of tax payers like myself. Wells fargo, advertises their consumer products and markets them towards people, just like me, hard working, and family oriented. And the facts are in XX/XX/XXXXI was charged {$420.00} in overdraft fees, and XX/XX/XXXX, I was charged so far, {$240.00}.
Wells Fargo knows what they are doing is immoral, because when you call, they immediately with very little effort, refund portions of overdraft fees with no issues. BUT, the problem is, they refund portions, to quiet you from continuing your complaints. They do not refund all of it, although they are clearly in the wrong.
1. Forcing customers to have overdraft protection, that they are unable to opt out of having is wrong. And I mean fully opting out of overdraft protection, meaning, all transactions are rejected, rather than it ever being possible to have a negative balance. THIS IS TRUE OPTING OUT OF OVERDRAFT PROTECTION AND IT USED TO BE GRANTED, now it no longer exists.
2. Charges are posted not in the order I make them, but in the order from highest to lowest by the banks choice. It is done to cause overdraft fees.
3. They now have a messaging system, that is supposed to inform you when you have insufficient funds. Only problem is, if the account has a positive balance ( and it should n't because you 've made charges ), it wo n't send you the messages. So this mechanism is not in tune with what your ACTUAL account balance is, thereby making it useless, and actually more confusing.
In closing, Hard working people, should be encouraged to succeed, not be further suppressed by multi billion dollar banks using predatory practices towards their financially ordinary consumers.
This needs to come to an end and I want my rightfully owed {$660.00} back in my 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 2015-09-13
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made several disputes on XX/XX/2022 because I was involved in a fraudulent scam involving a certain website and my PNC Bank denied my disputes saying they determined no error had occurred. The Amounts are {$1000.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$4100.00}, {$2700.00}, {$4100.00}, {$2100.00} and {$4100.00}. I have evidence proving this was taken from when fraudulently if I need to provide it.

Company response to consumer: Closed with explanation