BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried to pay with my Chase card and it was declined for NO reason. Having paid this company before with the same card it made NO sense. I called Chase bank and they said there is NO problem with the card. It did not go thru after 3 tries. I called the central office, 58 minutes on hold, I got the most idiotic nonsense for non answers as to what the problem is. They wanted a pin number - provided - said it was wrong - not incorrect. They they would snail mail a new pin and it would take 10-13 days to get. In the meantime I could NOT pay any of my bills. Beyond unacceptable. This has happened several times before, they keep saying NO PROBLEM, but there is almost always a problem with Chase. 
I need a bank that is in XXXX XXXX  XXXX  AND XXXX XXXX XXXX XXXX   as I travel between both places numerous times a year. I haven't found one to change to as yet. This arrogance and stupidity has to stop, it is damaging my business reputation - cant pay my bills.

I need this problem permanently solved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2022 {$1400.00} deposited aXXXX XXXX XXXX and it showed in available funds, XX/XX/XXXX XXXX XXXX  it doesnt show and we have bounced check fees. The {$1400.00} covered all check costs. This so not the first time this has happened. It constantly removes funds that were showing in the account, it does the same with transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-05
Company: WELLS FARGO & COMPANY
State: GA
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 do n't know what happened to my account I had money in and after I left my job I went back to school. I looked into my account and it was negative I do n't see how and I had at least XXXX dollars in it I never got an explanation saying why. It was closed with a negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: NJ
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:
A fraudulent credit card application using my identity was submitted for a Best Buy CitiBank credit card in XXXX. A hard inquiry was made by Citibank NA, Best Buy on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with CitiBank to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. Citibank agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my XXXX  credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

Citibank NA, Best Buy XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA 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 2016-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed XXXX accomts from XXXX stating, " I am no longer responsible for the XXXX accounts ''. TransUnion did not complete thourough investigation to know that the accounts were dismissed in XXXX. In addition, the company agreed to remove all entries related to XXXX XXXX accounts I will provide the court documented and letter from XXXX. Please look into 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
Consumer complaint received 2020-04-02
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX for Care Credit is reporting inaccurate information on my credit file. They are reporting a late for XX/XX/XXXX & XX/XX/XXXX. I don't recall getting any statements or these months. I've had this account for a very long time, and always make my payments on time. I am requesting as a one time courtesy to remove these lates off my credit 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 2015-10-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Dear Investigating officerFollowing up on my phone conversation with your agent, I am filling a complaint against Wells Fargo in regards to my car loan. The statement I receive from them does not include how my payment is being applied between the principal and the interest, and any fees if applicable. I have reached out to them to request a more detailed statement, and was advised that they can not send any different statement that the one I currently receive with the limited information. I believe that such operations are not only unethical but break the law, more precisely, the Act of 2009, signed into law by President XXXX Obama - Public Law XXXX -- the Accountability Responsibility and Disclosure Act of 2009. 
Thank you and kind regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX Va XXXX Dob XXXX/XXXX/XXXX SS # XXXX XXXX has agreed to remove the unauthorized inquiry from my XXXX credit profile franklin America XXXX/XXXX/XXXX YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I had submitted a complaint regarding my mortgage with my lender Wells Fargo/America servicing company. Hard times had fallen on me m husband died and then my daughter had an terrible accident. I had fallen behind in my house payments by {$5000.00}, and wanted them to work with me, but they would n't, I complaint to you and then Wells Fargo called me. They said they would be sending me a letter with items they needed to modified. What I received it the mail we a letter stating my property value had gone up according to their drive by appraisal and the com parables in my area.I thought they have n't seen the inside there are damages and deferred maintenance and even structural damage due to the water leaks under the house.I called Wells Fargo the home preservation specialist that sent that appraisal she never respond to my many of messages. finally I spoke with someone in that department I was then told my file was transferred to a new home preservation they did n't know who it would be but that the new specialist would be contacting me. I have never received a phone call from the new specialist, when I call I speak with an operator. Time has past because of this and I currently own Wells Fargo {$20000.00}. which I have {$17000.00} of it. I do have a sale date scheduled for XXXX XXXX. Ido not want a foreclosure i would love to save my home and live here and repair it, but if that is not possible I rather Short sale rather then foreclosure. Because I have not been able to get a response from Wells Fargo I did sign with a realtor to do a shortsale but they are not working with her either.Please help please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was hit with a hard inquiry that I did not initiate - Three of them actually - and I need them removed from my credit. Talking to the company was either inconclusive, ignored or impossible ( not able to contact ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing a medical debt under the name of an old boy friend that has been listed as a joint account on my credit for years. I have disputed the medical debt with the credit agencies and called the collection agency that holds the accounts as well however the collections remain on my credit report. I am not married nor have I ever been married so there is no possible way I can have a joint medical debt with a spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company has reported this as a new debt on on credit report but this debt is several years old. The information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Allied Account Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently sold my house, after which I owed my utility {$1100.00}. After my move  on  XX/XX/XXXX , I notice d a letter fro m Allied Acco unt Services at  XXXX   XXXX   XXXX ,  XXXX  NY. I called  on  XX/XX/XXXX  and  paid {$500.00} with the understanding of paying the balance  in 2 week s. During this time, my wife and I are looking for our new home for our children. I 'm in the beginning process for a new mortgage when I 'm told m y credit score  dropped over  XXXX  points due t o Allied rep orting me as delinquent for {$620.00}, after making an initial {$500.00} payment. This now causes a large increase in my financing rate as well as which type of mortgage I qualify for. I called them and they offered no assistance other than stating they follow fair credit policies. This is not fair and not necessary and I 'll be paying for this for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card
Issue: Rewards

Complaint:
WF admitted their error of not attaching the six-month 5 % Grocery/Gas/Drugstore bonus in the attached response to our original CFPB complaint dated XXXX XXXX. 
Subsequently, they did nothing to add the 5 % back to our account. So they are simply lying to their customers!! They did not provide a direct number to XXXX XXXX XXXX for us to follow through, either. 

We demand that the six-month 5 % promotional bonus be added to our account immediately!!

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 2022-04-14
Company: I.C. System, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have been disputing the late payments showing on my account for IC SYSTEM which was already fully paid years ago. They are reporting my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My business wrote a check to our wholesaler XXXX XXXX on XXXX/XXXX/16 for {$44000.00}. The check took a while to clear, and because of the XXXX XXXX holiday we thought it just got hung up. On XXXX/XXXX/16, the check was cashed but not by the intended payee. We called XXXX and they confirmed they did n't receive check number XXXX for {$44000.00}. We immediately called XXXX to let them know of this. We were told to have XXXX fill out an affidavit claiming they did n't receive the check. The check was cashed in a Wells Fargo bank account number XXXX, XXXX Illinois box number XXXX. It 's been over one month and we still had no response from either back except it in Wells Fargo hand. We are not sure who cashed the check, if it was stolen out of the us mail, etc but it 's a large amount of money for A small business to be out. Please advise me on our next step. Thanks!

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
Consumer complaint received 2015-05-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died XXXX years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than XXXX the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, but ca n't get anyone to speak with me in order to restructure so I can afford to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Judgement was filed against myself, XXXX XXXX when the judgement is supposed to be against my son, XXXX XXXX and his wife, XXXX XXXX. We have paperwork from XXXX county clerk with XXXX XXXX and XXXX XXXX name on the paperwork but yet they have my social security number. 
XXXX XXXX was having her paychecks garnished until she moved and got a new job. She is currently employed at a different location but instead of going after her, they are going after me. I am trying to get approved to purchase a home and this is holding me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.

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 2020-04-02
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hi, my name is XXXX XXXX, Im emailing you because I have an American Express serve prepaid card from my tax service, and I have been trying to call, even sent them the letter they asked for about then closing my account and not refunding my remaining balance that is on the card, I get emails every week about my current balance witch is {$3900.00} and it has been 2 months since they closed my card. I hope you can help me, thank you so much

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing the reporting mistakes on accounts XXXX XXXX XXXX and XXXX XXXX BANK XXXX XXXX XXXX These XXXX accounts are paid and closed but Equifax started reporting XXXX in the month of XXXX 2016 where XXXX these accounts were closed years ago. 

Equifax is seems to punish me for disputing these accounts by reporting XXXX in the month of XXXX 2016. Due to this inaccurate XXXX in the month of XXXX 2016 My credit scores goes down and it is hurting me. 

There is no activity and We can see the difference in reporting in the attached screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Upon using XXXX XXXX XXXX , XXXX ( Conserve ) to consolidate my student loans, I received a letter from XXXX stating that I did not have to make any payments until XX/XX/XXXX, 2017,  and that my new payment amount would be {$740.00}. Upon receipt of this letter I called XXXX to confirm this information. My payment amount was only {$430.00} and I was told by XXXX that their records did not indicate any letter of that kind being sent out to me. 

I have uploaded a copy of this letter for your verification. Please investigate this fraud and help me prevent this from happening again. 

Your prompt attention to this matter is highly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. 

XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX has investigated a bankruptcy on my report and found the the information was inaccurate and removed it from their file. I disputed this bankruptcy with all the credit bureaus and to no avail they refused to remove the information A letter was sent from XXXX to Experian and XXXX about this and the Bureaus refuse to remove the bankruptcy. I have also sent I a letter from the bankruptcy court stating they have not issue any information to any credit bureaus.

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 2023-07-23
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collections account for {$450.00} reported to credit bureaus on or around XX/XX/2023 by Jefferson Capital Systems LL C I was never contacted by phone, writing or electronically in order to give me my legal right to request a validation letter. 
On or around same time I called to Jefferson Capital. 
Who could not provide me with any relavant information. This included no account number dates or any information of attempted contact to allow my a resonpe to the allefged debt. Instead i was provided with a phone number by a recorded message to call to a payment center. Called that number spoke to a rep who only had an amount due of {$450.00} and wanted to know how i would like to pay. I told them i was unaware of any account. They asked for my email. They told me the acc was associated with another email. They agreed to notify Jefferson Cap of this. I also requested a debt validation letter. Never recieved a response. I disputed this through XXXX XXXX to XXXX 3 times. No answers were given, other than to continue to alledge this was a valid debt from XX/XX/2023. The alleged creditor was XXXX XXXX. I called XXXX affirm and was told they had no record of an account from me at any time or around XX/XX/2033. I Jefferson Capital collection has failed to provide any proof, any relavant information, and they have relied on improper methods. Unable to provide me with any requested information i am legally entitlted to receive they remain unfairly stubborn and in intentional and complete disregard of my rights and in intentional violation of the laws governing credit reporting they refuse to remove this from my credit file causing me irreparable harm.

Company response to consumer: Closed with explanation