BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: Security Credit Services, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX I Contacted the following creditors by letters to dispute charges that were not mine, and I had no knowledge of them nor any verification. I asked for the debt to be removed. So far after the 30 days, XX/XX/XXXX I have not received any letters of verification from the following creditors and have sent another letter requesting for proper verification. The company 's have ignored my request. XXXX XXXX, sent a letter, however it was a letter stating I owe them and no verification on why. Each creditor has updated their information on my credit but all failed to send verification of why debt is owed. These collections are stopping me from buying a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection : {$680.00} XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX Collection {$220.00} XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, WA XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Social Finance, Inc.
State: OR
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:
I have received two letters from SoFi ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in the last few weeks, and both include this statement : " Federal student loan forbearance ends on XX/XX/XXXX. '' This is false information. Federal student loan forbearance was extended on XXXX XXXX, XXXX until XX/XX/XXXX. 

I received the second letter from SoFi on Thu. XXXX XXXX, XXXX ( see image from USPS Informed Delivery ), which is over a month after the forbearance announcement was made. 

SoFi is sending false information to student loan borrowers pressuring them to refinance their loans with their company. 

This is both unethical and illegal. Vulnerable student loan borrowers may be pressured by this false information to refinance their loans with SoFi, which benefits their business. 

I kept the second letter; please let me know if you need more information, and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.

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 2017-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am having this Kohl 's credit card for years ... .and facing some problems : 1 ) I need to type in the card to do any transactions. 2 ) I do n't know when Kohl 's will send me a replacement card? 3 ) There are no statements that i get - neither physical ( postal ) nor digital ( e-mail ) 4 ) I have my bank account being added for auto-pay but it does n't work. 5 ) If i return something - it takes a while for it to get reflected but still the fees is being charged. 6 ) Try calling customer service ... it 's too awkward timings ... Call Customer Service XXXX till XXXX XXXX my local time. I was not at all aware that auto-pay is not working..moreover I did n't received any alerts or notifications from Kohl 's that something is due from my side ... but when i logged in to this Khol 's account ( as there is no debit from my bank account ) - noticed late fees and interest charges ... .I am in USA since 2000 but never had any late fees or interest charges ... this is ridiculous - now i need to work with credit agencies to fix my credit score/history also ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: AMERICAN EXPRESS COMPANY
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Amex is trying to collect an alleged debt that was not created by me. I am demanding that they cease all attempts to collect debt from these fraudulent accounts and release all liability from me. I also demand that reporting to the credit bureaus stop and this account be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). Sequium Asset Solutions are in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Im writing to you guys as I have already reached out to my bank - Chase, on several occasions and Ive had an absolutely horrific experience with this bank. 

I am extremely disappointed because Ive been a Chase customer for over 10 years. 
And Ive never had an issue. 
But about a month ago I deposited a check for {$200.00} through their Chase ATM machine at one of their locations. 

As soon as the check was submitted through the ATM. Their ATM machine malfunctioned and shut off. 
And essentially ended up eating the check supposedly, according to them. 

I have literally spent over 6 hours on the phone with Chase.

Only to get transferred from one department to the next.

I have talked to l probably 100 people. Not even kidding you.

And NOBODY has any really solutions or any way to help me apparently.

They basically ended up telling me that I needed to take my missing {$200.00} and go to h*ll. 

I had probably 10 different people that work there actually hang up on me. 
Everyone was extremely rude. 
No one is willing to help. 

They even went so far as to tell me that if I didnt like the idea that they basically stole my money from me. 
That I would need to take them to court at this point if I wanted to try to pursue anything absolutely unreal. 

I just can not believe this bank. 
HORRIBLE customer service. 

The fact that they basically have stolen my money from me and are refusing to make this right, and the fact that they have made this whole ordeal a living hell for me to try to get my money back from them!! 

In addition to my statement I also included some documents related to it. 

The actual receipt that the ATM spit out after I deposited this money. 
And then also a letter from them on XX/XX/21 stating that they agreed and that the temporary credit ( they gave me while they investigated it ) was now a permanent credit. 
ONLY For them to all of a sudden decide on XX/XX/21 to deduct {$200.00} from my account due to this after they had told me it was rectified. Then they just decide to just take my money back instead? Unbelievable. 

It is not MY fault that THEIR machine malfunctioned. 
I just want my {$200.00} back. 

DATES : XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 ( Dates associated with the initial deposit itself, and then all the times Ive had to call and sit on the phone for hours upon hours ( over 6 hours total ) to try to get this resolved with nothing more than to be screamed at and have people hang up on me and tell me to get lost basically )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
images uc* refer to the unauthorized XXXX charges images XXXX refer to  the imbalanced refund that was not dealt with since image blockedOverriden refers to the fact I blocked my card but citibank approved purchases image recurringUnapproved refers to the merchant XXXX I dont have an account with them and I have no recurring purchases and when they started on XX/XX/XXXX I never approved any of them html file chatservice contain the chats summary of the many interactions I have had with citibank refer to the discussion on XX/XX/XXXX and that is usually how my interactions are. I basically tell them 'dont let this merchant make transactions on my card ' they say 'ok we wont ' I block my card the next day 'well to fix this you get a new card wait 10 days for that citibank will do an investigation that takes up to 30 days ' and the nonsense starts again I disputed the inital XXXX charge on XX/XX/XXXX. I was told that the process would take 30 and would issue me a new card. Several other disputes arose and for each dispute all I was told was that it would take 30 days and a new card would be sent. However all I kept seeing was that citibank let these playstation charges go through. 

I knew when something was horribly wrong when I figured I can block my card and unblock it only when I made the purchase. On XX/XX/XXXX the card was blocked yet on viewing my statement the next day the playstation purchase went through on that same day XX/XX/XXXX. 

Speaking with customer service about this several times they were very, very rude. They have had a history of letting ridiculous charges go through especially a charge for XXXX to a fraudster like as if I like to give away my money. I will also report that this happened in XXXX and acoording to the images. citibank saw the merchant gave me 1 % of the money, ridiculous. 

This email I had from citibank said that even though my card was blocked, since it was recurring it was allowed to go through. I was furious no citibank representative never told me that, all I got was 30 min of arguing then I was hung up on. 

This is crime, if citibank was a man they be put right in jail, but they are a big business and I am asking the United States Government to do what I cant and provide justice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX I sent Trans Union and XXXX a Certified Letter About Unauthorized Inquiries On My Credit Report. They Came Back Verified On XX/XX/XXXX. I Do n't Recall Authorizing, I Understand That you Should n't Be Allows To Put An Inquire On My File Unless I Have Authorized It. I Have Contacted All Credit Bureaus And They Refuse To Move Them.I have also contacted the creditors and they have told to contact the credit bureaus. and it 's just back and forth who to dispute this with. I Sent Credit Bureaus Certified Letters. Inquiries : 1.XXXX XXXX XXXX XXXX 2.XXXX XX/XX/XXXX-XX/XX/XXXX 3.XXXX-XX/XX/XXXX 4.XXXX XXXX- XX/XX/XXXX 5.XXXX XXXX-XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX 7.XXXX XXXX 8 . XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

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 2017-07-20
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our house was hit by a flood back in XXXX 2017, and we are located in the 100-year flood plain. The City of XXXX Code Enforcement ruled that our property was over 57 % damaged and could no longer be rebuilt. Because the City of XXXX ruled that no construction could take place at the property, we are unable to obtain any permits to legally build at the property or renovate. Our flood insurance kicked-in and wrote a check for {$100000.00} to Chase Bank for the damages. The principal amount that we still owe on the house is {$120000.00}. Chase received this check on Thursday, XXXX XXXX. We then requested that Chase apply this check towards the principal amount on the property, and that we would continue making payments until the balance was paid off. By applying this amount towards the principal, it would lower our payments and allow us to purchase another home we could live in, or possibly rent. On Thursday, XXXX XXXX, we were told that the payment towards principal had been approved. Today, on XXXX XXXX, we called into Chase to obtain the status of the payment, and we were met with very rude representatives who refused to help. They refused to apply the payment towards the mortgage and refused to provide us with any any explanation or direction on how we could use the money. My Mom, who had been dealing with the situation before I got home from work, was crying on the phone while the employees laughed. ( I heard this because she was on speakerphone at the time ) Collectively, we were transferred around to more than 11 employees over the more than 9 hours we spent on the phone with them this afternoon. As of today, XXXX XXXX, Chase is effectively withholding over {$100000.00} that could be applied to our principal to help us pay off the mortgage in a non-interest bearing account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian company has not deleted wrong information on my credit report for the XXXX time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2022, XXXX XXXX XXXX provided paperwork stating the information reporting on a credit report is correct. XXXX XXXX XXXX provided a detailed payment history showing the end balance owed was {$7300.00} ( please see attachment ). 

On XX/XX/2022, letters were sent to said bureau requesting the information be deleted because the amount being reported is incorrect ( please see attachment ). According to the FCRA, all information reporting on a credit report must be accurate and must have supporting documentation and that document be provided when requested by the consumer. 

On the most recent report, XXXX XXXX XXXX is still reporting the account as a collection with a balance of {$17.00}, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
Company: Global Portfolio Recovery, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I respectfully requested to be provided proof of this alleged item, specifically the contract, note, or another instrument bearing my signature. Failing that the item must be deleted. On XX/XX/XXXX, I was only sent an alleged credit card statement with no payment history or judgement against myself. The listed item is completely inaccurate and incomplete and is a very serious error in reporting.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-29
Company: BANK OF HAWAII CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a mortgage loan modification with Bank of Hawaii, they sent me an offer letter for a forbearance agreement. I had a friend in the mortgage business review the letter, and he said I may be worse off after the 1 year of lower payments offered due to I will still owe all of the outstanding difference between the contractual payment and the reduced forbearance payments. I am unemployed and on private XXXX insurance. Since the XXXX is 1 year or longer I 'm not sure why they were not able to do a permanent modification? I asked what would happen at the end of the 1 year forbearance period, and if I could re-apply for a modification at that time, and they said no I need to sell the property before the 1-year forbearance period ends. I wondered if someone at CFPB could help me review my options and the offer letter? I need to send 1st forbearance payment by XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On this date XXXX I went into the bank to close my account an was told to do it over the phone but as I try to do so my funds was closed while I still had XXXX in my savings I withdrew XXXX an still had XXXX in my savings an it disappeared an they said they camera doesnt go back to that date but they was giving me the run around like they was sending me a check for the remaining amount that was left in my account that was sense XXXX an when I came to the bank they just kept giving me the same run around

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