BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: JPMORGAN CHASE & CO.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Scammed out of $ 9.000+ between XX/XX/XXXX & XX/XX/XXXX Discovered the extent of the scam upon my return from XXXX XXXX on XXXX XXXX XXXXScam began on XXXX website where I 'met ' XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXXHe later asked for money for his daughter who was in SC in the care of his nanny XXXX XXXX. the funds were sent XXXX/XXXX/XXXX {$2200.00} & XXXX/XXXX/XXXX {$2800.00} via wire transfer from my bank Chase located in XXXX, WV to her bank XXXX XXXX in XXXX SC. 
Once I knew for sure that I had been scammed, I searched the internet to find out how to report this fraud.I contacted my Bank, filed reports with ICCC & the XXXX County Sheriff 's office. 
As of XXXX XXXX, Chase will not allow me to bank with them. 
On XXXX XXXX, XXXX Chase sent me my bank statement for XXXX XXXX. 
Today, XXXX XXXX, XXXX I am sending a consumer complaint to the WV Attorney General 's Office Attn XXXX XXXX XXXX, Mediator asking that my funds and banking privileges be restored as resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, XXXX gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: CA
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 is reporting incorrect information on my credit report. 
The Date of Last Activity is incorrect./reporting different information to each credit Bureau Incorrect High Balance // is reporting different information to each credit Bureau Date opened is incorrect and varies from one Bureau to the next recently reported as opened with several missing payments //

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 2021-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX Transunion File Number # XXXX i had disputed is account with Transunion /cfpb/ XXXX XXXX this account needs to be remove out of my credit report.for the following reason XXXX XXXX didn't provide me with 30 day verification Therefore i ask transunion politely to remove this account. this account is not reporting Accurate information is not being reported to other credit bureaus please remove from my credit report asuna possible.

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 2016-09-27
Company: SQUARETWO FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. 

I have attempted to contact XXXX at XXXX and tried to reach via phone.

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 2021-09-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am being charged for items I return. I was promised a refund in the amount of {$1700.00}, {$820.00} and {$420.00}. I never got my refund.

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 2017-03-07
Company: INVESTORS BANK
State: SD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX, I opened a home equity line of credit at Investors Bank ( account # XXXX ). In XX/XX/XXXX, we sold the house and informed Investors Bank of the sale. I told them that we no longer owned the house and would like to close the account. They never closed the account. Since then, I have informed them by phone and by mail that we do n't own the property and want the account closed, but they still have n't closed it. Please contact them and make them close the account. Since we do n't own the property, the bank ca n't foreclose on it. My fear is that someone will charge something to the account, and we will be responsible for their debt, and this will affect our credit. Thank you for anything you can do to help us.

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 2017-10-09
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My student loan, handled by Navient, was eligible for deferment as I am still in school ; the loan was in deferment while I took courses at my local XXXX college, but was abruptly ended when I was entering my 2nd year. I attempted to dispute this, as I should still be eligible for deferment ( my enrollment status never went below half ). The previous term, my deferment status was re-established, but not before I was given a monthly payment charge on my account ( on XX/XX/XXXX, for {$52.00} ). 

It appears that this month ( XX/XX/XXXX ), they will attempt to do the same thing again with the same amount ( as I am without a job, I have no money with which to pay my previous " late '' charge and upcoming charge, as I have told the company representative who called me through the unlisted number ). My enrollment information is collected through XXXX XXXX XXXX and the National Student Loan Data System. While I am not privy to the information on the XXXX XXXX site, I can see that my enrollment status for this quarter ( on the NSLDS ) is Full-Time, but my emails and my responses to their calls have shown no action on their part that shows recognition of my eligibility for deferment. I thought at first that I was no longer eligible for deferment, but according to their site, I should still be eligible. 

The main problem I have with all of this is this sentence at the bottom of their page regarding in school deferment requests : " Note that it can take up to 21 days to display your account in a deferred status. However, you wont incur any penalties as a result of this delay. '' As I know my enrollment information is available to them ( through at least one source ), I feel that it is very fishy that they would remove my deferment status, let a charge through, and then reinstate it just to remove it again during the same quarter where I am registered as full time. 

The phone number they have used to contact me with ( XXXX ) XXXX, is not listed on their site ( multiple people online have confirmed it as one they use for debt collection contact ). While I have no recording confirming this as fact, they asked for my social security number ( most likely for identification purposes ), and then asked if I could pay my debt over the phone, offering credit and debit cards as an option. However, besides the dubiousness of offering my credit/debit card information to someone over the phone, I am required ( on the Navient site ) to give my bank account in order to pay my debt ( give them checking/routing numbers, etc. ) and after looking online, found that apparently Navient only takes payments through cards over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Experian Information Solutions Inc.
State: GA
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:
I have reached out to XXXX by emailing XXXX and by phone XXXX to identify the issue Im having with making a payment through their website. It does not let me connect my bank account sometimes and then sometimes it connects then disconnects after. On XX/XX/2021 I was finally able to connect the account so I made two payments {$100.00} and {$51.00}. I received a notification on today my credit report that I was two months behind which is incorrect. I have been emailing and calling with no return response and now my credit is ruin. This needs to be fixed immediately, I have always paid my account on time.

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 2016-02-09
Company: NRA Group, LLC
State: WA
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:
I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: GREAT LAKES
State: WA
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:
My student loan is through Great Lakes. I had been struggling with making payments. Last month I used their online repayment program explorer. I selected " explore my repayment options ''. It clearly states that for a payment of {$520.00} I would have the loan paid off within 70 months. I called to set this up and was then told that it would be payment of {$850.00} a month if I wanted to pay it off in 70 months. I explained I was looking at my account and it clearly stated {$520.00}. I was told this was not accurate. I have since then looked at my account to explore repayment options and it still states this amount. I have attached screenshots from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Bank of America charged me an annual membership fee on a credit card I had already asked to close. They removed the account from my online login but continued to take the annual fee out of my checking 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 monetary relief
Consumer complaint received 2021-09-17
Company: EQUIFAX, INC.
State: MD
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: Chime Financial Inc
State: PA
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:
I've had issues with Chime a few days ago where they closed my account without reason. They won't give me a reason why. I asked them a few times why and I asked to get my money back and they told me they won't. Told me to try two of these different separate emails and both of them seems like they aren't working. No one is getting back to me. I had a XXXX dollars and I need that money for my bills. This happened about 3 days ago XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: EQUIFAX, INC.
State: NY
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:
The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: ND
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been a loyal customer to Rushcard, since 2013. I received an email that they would be upgrading there system. When this happened many customers were affected not receiving their direct deposit, accessing the online page or money missing out of their account. I have had a total of {$150.00} missing from my account. There were bills that I paid that have not came out yet in the amount of {$15.00} and {$60.00}, that got returned and now im stuck with {$60.00} in late fees. 

We have been lied to by several messages posted on XXXX saying our money is safe and if we have questions to call them or send a private message. Everytime you call, you get hung up on and no private messages are returned. 

I need my money back and they have messed up everything and are not taking anything seriously with their customers in any compensation at all. 

Thank you, XXXX XXXX XXXX email XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: BB&T CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX 2016 a single authorization was given to Branch Banking and Trust to pull my credit to obtain a personal loan. On that day XXXX inquiries were pulled and XXXX more on XXXX XXXX 2016 without my consent. I contacted the branch manager ( XXXX XXXX ) who stated she submitted 2 disputes on the inquiries for me and I contacted a customer service representative named XXXX who said she had checked into the matter and nothing could be done to remove the inquiries. I have been sent around in circles over this since XX/XX/XXXX with no resolve. I need help from someone to help get these unauthorized inquiries removed from 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 2017-10-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had the Walmart in store credit card for over a year with 100 % on time payments. I never maxed the card out.. My credit score went down a few points so Synchrony lowered my credit limit. At the time I had about {$400.00} owed on the card, and the following month I paid my balance in full. The same exact day my payment was processed, Walmart closed my account. Their reason was I was high risk, not much has changed since I opened the card, so why all of a sudden am I " High Risk ''???? Why issue the card in the first place then?!?!

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 2021-09-17
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recieved exception on my property taxes on XX/XX/2021 from XXXX County Auditor office through Homestead. I contacted PHH Mortgage and faxed them the certificate on XXXX and again on XXXX. I followed up with a call on XXXX and several times after that. they for whatever reason are refusing to adjust my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: IA
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
My experiences have left me truly wondering if Scottrade should n't be investigated by the SEC. It 's very strange how one day my funds are scheduled to be settled, but when the day arrives my money is n't there. The local store representative blamed a " computer error '' when I called him and another representative offered me XXXX free trades to offset the inability to access about {$38000.00} for trading. No other explanation was proffered, despite my correspondence and a promise they would review the matter. 

Another suspicious occurrence involves Scottrade restricting my account and possibly limiting access to my cash for more days than the normal 2 to 3 days it takes trades to " settle '' because their store representative claimed their computer accused me of making a " free ride. '' However, I was very careful to sell only shares I had carried for as much as a couple of weeks, and I purposefully waited to sell shares which had n't settled until their reported settlement dates. But, the store clerk would n't accept my explanation and my account was restricted anyway. Remember, this is the same computer that their store clerk blamed for failing to fund my account a couple weeks prior. 

So, I 'm going to reduce my trading activities at Scottrade out of an abundance of caution, and likely take my grievance to the SEC in a formal complaint. I urge others to be careful and look out for activities like I 've described. Do n't forget that often matters dealing with brokerage accounts will require arbitration instead of a day in court.

Company response to consumer: Closed
Consumer complaint received 2015-10-24
Company: Empowerment Ventures, LLC
State: MN
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
I added XXXX bucks threw XXXX to my rush card on th XXXX of XXXX. The company says everything is working but I ca n't get threw. When I do they tell me there is nothing they can do. I really need access to my funds

Company response to consumer: Closed with monetary relief