BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-19
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In XXXX 2016, I called US Bank regarding checking account. I asked them to stop all automatic withdrawal 's going into this account. I spent over a 1 and 1/2 hours on the phone with a representative who assured me all auto drafts were stopped. In XXXX and XXXX 2016, somehow I was again hit with payments from companies that I did not authorize. When I called and spoke with the representative I was told that I never called in and they could not do anything. I have made payments on the account to get the overdraft taken care of but US Bank has been adding interest and late fees to an account that supposedly has charged off or is closed. At this point, I am confused because now ( XXXX/XXXX/2016 ) I received a statement that has minimum payments of $ XXXX/mo due on the XXXX XXXX and I can rack up late charges if I do n't comply! When the account was closed it was {$350.00}. Today, the bill I have in my hands says I owe a whooping {$880.00} for a checking account and my statement says if I do n't pay by XXXX XXXX, 2016 I will get a {$20.00} late fee. How is this possible a bank can keep adding charges to a checking account that should have been closed? How long can a bank add unnecessary fees to this account trying to bleed money from me? I am willing to pay the {$350.00} ( personally, I should NOT have to pay a dime since I requested stop payment on this account before these charges were even added ) but anything more that than is absurd. They company is unreasonable and I hope that someone in your office can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Usaa try to close my account and do n't want to do business with me because of a defect of not including the number on 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 2016-04-27
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For about one month, I have been contacted almost daily by ABC Financial ( Phone # XXXX ) by robo calls and email messages regarding a debt they contend that I owe to XXXX at a gym in XXXX, CA. I have contacted them twice ; once to understand why they believe that I owe this debt and once to tell them to cease this harassment. 
They say that I owe an XXXX XXXX account for gym dues ; however, I do not have now, or ever had an XXXX XXXX card. 
I explained this to them and informed them that there are several other XXXX with my first name in our area and that they have the wrong person. Also, I advised them that I have never been in the gym that they represent. I was thanked by my contact and was told that they would investigate further. 
About a week later the calls started again. After a few days of such calls, I contacted the company and explained the situation all over again. I also advised my contact that I would contact the Federal Trade Commission if I received another call. The contact said that she was removing me from the file and that I would receive no more calls. I thanked her, warning her again of the consequences of further annoyances. Two days ago, I received another call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX  ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept Chase Morgan account! I ll never have had any Chase Morgan account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XXXX of XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian and XXXX has refused to take car loan off my credit report after I have proved it was fraud and identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When we were about to initiate a mortgage with XXXX XXXX Chase Bank in XX/XX/XXXX, we received an offer ( please see attached ) for the " Chase Closing Guarantee ''. We asked our senior home lending advisor XXXX XXXX XXXX about this offer numerous times. Initially when we started the process, we asked him on the phone. Again on XX/XX/XXXX we asked and he said he will get us the date when it starts. We never received a clear answer to what we needed to do to if circumstances would have been such that we could qualify for this offer. XXXX told us on XX/XX/XXXX it would be XXXX days to close. All through the mortgage process we would ask any of the team what was going on with the Closing Guarantee. 

On XX/XX/XXXX I spoke to XXXX XXXX lending manager XXXX and I told him I was calling him out on the XXXX Closing Guarantee offer of {$2500.00} and he said Chase has 30 days past XX/XX/XXXX to close and that would be by XX/XX/XXXX ( that never happened as I spoke to him on XX/XX/XXXX and we had still not closed ) and it is reviewed by their internal compliance team and if Chase is at fault they will pay and even if Chase is not at fault they can escalate this request. 

As time went on it became clear that we would qualify for this offer. Please see attached email sent XX/XX/XXXX to various Chase officials as to why. 

Things became so bad with Chase that I had no choice, but to file a complaint with their executive office earlier in the mortgage process. I spoke to XXXX XXXX XXXX XXXX in the executive office on XX/XX/XXXX and I asked her again about the Chase Closing GuaranteXXXX and she told me that XXXX XXXX submits the request once the loan is funded. 

We also spoke to XXXX XXXX business realtionship manager XXXX on XX/XX/XXXX asking her if the Chase closing Guarantee was processing. She was going to check on XXXX occasions and we never heard anything back. 

We finally closed on XX/XX/XXXX over four months from when we started the process and were in jeopardy of losing this house all due to Chase delays, but as of this date we have received nothing from Chase regarding the Chase Closing Guarantee of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Sherloq Group, Inc
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from an " Unknown '' caller, which they said was being recorded, regarding a debt that they will not verify until I provide my birth date and last XXXX digits of my social security. I said I would not provide sensitive information prior to understanding where the debt came from, as I have not received any prior notice to owing anyone anything. I asked to speak to a manager and was sent to a voice mail that did not list anyone 's name or number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had an account balance with XXXX  of {$100.00} which I had paid. I even have proof of my payment. So I disputed it with Transunion and let them know that Transunions information is in accurate because XXXX was saying that it shows that I have paid {$100.00} to clear the count. This has been going on for months. I keep disputing it and they keep coming back and saying its accurate. So I call XXXX Supervisors and talk to someone and let them know that its in accurate and they need to update it because Transunion not accurately updating my credit file makes my credit looks so horrible compared to the other agencies. XXXX said it should reflect the balance as paid. Transunion has sloppy reporting and difficult to challenge inaccurate information Im not sure where theyre getting it from. And then when things are cleared up and it shows on other Credit Reporting accounts I have to fight Transunion to clear it on there account. Sometimes it takes months and sometimes it takes years. Im looking forward to buying a house in the future but I feel like if Transunion keeps treating me like this as a customer Im gon na have a hard time getting approved. Im working very hard to build a positive portfolio. Transunion is hurting my overall Fico Score Without up to date or correct information and theyre not willing to work with me to fix it even with proof. Thats not right and I paid for their credit reporting service and they still have the most sloppiest and challenging to work with credit reporting service. Please look into this for me because somethings wrong

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 2020-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling, one after another for over 3 months. I asked them to stop, I made a payment online to them, and the calls started coming in even more. Every time its a new number, today its XXXX and they have called twice already. They dont leave messages, its always numbers from other states, sometimes when I am at work they will call multiple times back to back, as if there was an emergency for a family member.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-23
Company: Blackhawk Network Holdings Inc.
State: WA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Fraud or scam

Complaint:
Hi, I was unfortunately a victim of fraud through REloadit packs. This is not REloadit 's fault, but when I realized that I was being defrauded I called them right away. I had to speak to many different customer service reps until someone understood what I was talking about. When they looked up my REloadit packs, they said they were added to two different REloadit Safes which still had funds on them. I was told that the REloadit Safes were frozen, but that I would not be able to get my money back since I had been the one who " authorized someone else to use my packs. '' I think if the money is there, the fraudster 's account was frozen, and I am providing proof that I purchased the packs, I should be able to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
EQUIFAX IS SHOWING A BALANCE OF {$15.00}, XXXX ON A CLOSED ACCOUNT I HAD WITH XXXX XXXX XXXX XXXX XXXX. THE ACCOUNT IS PAID IN FULL AND SHOULD BE REPORTING AS SUCH. EQUIFAX HAS INVESTIGATED THIS SEVERAL TIMES AND COME UP WITH THE SAME RESULTS AND AGREED TO SHOW THIS AS PAID IN FULL. AFTER A FEW MONTHS OF POSTING IT THIS WAY AS AGREED, THEY REVERT BACK TO EITHER SHOWING THIS ACCOUNT OPEN WITH A BALANCE OR STILL SHOW A BALANCE. THE PREVIOUS EQUIFAX CONFIRMATION DISPUTE # XXXX WAS RESOLVED AS PAID IN FULL BACK IN XXXX OF 2015 AND YET AGAIN THIS POSTS WITH A BALANCE. I AM PROVIDING THE LETTER FROM THE CREDIT UNION EXPRESSING THAT IT IS PAID IN FULL AND SETTLED AND I AM ALSO PROVIDING THE EQUIFAX LETTER I RECEIVED IN XXXX OF 2015 EXPRESSING " THE RESULTS ARE : THIS ITEM HAS BEEN UPDATED TO REPORT AS PAID IN FULL. "

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.

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 2020-01-07
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have made a Zelle transfer from my personal checking to a buisnsss checking account on XX/XX/2019 for XXXX. This money is still not in the receiving account or been refunded to the delivering account. I have contacted both banks and Zelle and we have had no luck at receiving back our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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:
Reported an account was paid, Transunion failed to properly investigate this account was paid in full

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 2020-08-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY IDENTITY WAS STOLEN. I DID NOT AUTHORIZE ANY OF THESE ACCOUNTS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT. MY CREDIT SHOULDNT SUFER BECAUSE THESE COMPANIES ALLOWED FRAUDULENT ACCOUNTS TO BE OPENED WITHOUT MY PERMISSION.

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 2016-05-12
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i am XXXX XXXX. i have recently tried to get some info.from equifax and they asked me XXXX or XXXX questions pertaining to my past addressess etc ... and i responded to them none of the above because none of the options of questions contain anything true about me, so they sent a message that said we can not verify your identity because XXXX of the selections you answered are revelant to you.i had good credit when i applied for a XXXX XXXX XXXX credit card iwas granted one .at that time my good credit was found out about i think and they must have gotten all kinds of credit cards and mortages car loans etc ... i assume and all the bad debt about it all is showing up mostly in equifax.please investigate this fraudulent concern and law violations because they XXXX when you a debtor you relatives and identity theft thier monies pensions real-estate deprive debt heirs thier inheritence etc.. and this time they did it real bad.it is possibel that equifax is corrupt also by them you check it out because it 's the right thing to do.thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
PHEAA is terrible! I can never get an accurate count of payments for the loan forgiveness program. I 've been paying for 2 years but they will tell me only 12 payments have qualified without any reason or detailed history. 
They also jack up my payments every year then take months to review the documents I send, then deny me without providing a reason or letter. When I question them their reasons make no sense. I ca n't afford the payments their telling I should pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX and an employee of the XXXX XXXX XXXX ( SC XXXX ) I received acceptance into a XXXX XXXX loan repayment program called XXXX. This program is predicated upon me paying my student loans and then getting reimbursement year-end from the VA. 
The problem is my student loan servicer, American Educational Service ( AES ) keeps decreasing the monthly amount on my loans and not paying the balance we sent in and failing to notify us until after the fact. Now, without my consent or request, they have placed 2 of my student loans in " forbearance '' which will disqualify me from my loan repayment program. I have called and emailed them but they still have not taken the loans out. Decreasing my payment amount so the interest builds an I am indebted to them longer without my consent I consider predatory.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
TransUnion has not erased or closed my bankruptcy.Ommy credit report even though I have offered proof. This is affecting my way of life. Today I was denied a car loan because of their incompetence. I worked hard to build my credit back I need something done ASAP.

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 2015-10-06
Company: Dovenmuehle Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.

Company response to consumer: Closed with explanation