BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: POPULAR BANK
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.

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 2021-01-06
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
TSI is the latest perpetrator of this scam adding false information to my credit report. I successfully get this removed. Then 5,6 or 7 months later it reappears. With new dates so as to have the most impact on my credit report. A practice I have come to understand is called rebirthing. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my 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 2020-04-17
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled in full on XX/XX/2020 for {$760.00}. I have received letters stating that the account would be considered settled in full with a XXXX balance, but never an actual letter showing a XXXX balance despite multiple requests. They have also not updated the account with the credit bureaus since XX/XX/2020. I am trying to buy a house and need this resolved.

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 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran a hard Inquiry on my credit without discussion or authorization. I engaged them and they provided an email that says the issue has been resolved, but it is still showing on all my credit reports. I'd like to see the attached document sent to all three credit reporting agencies.

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 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF   XXXX   XXXX   and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my  credit Scor e The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15  HRS A WEEK every Week trying to resolve this

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 2021-01-06
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. (XX/XX/XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XX/XX/XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: NE
Product: Credit card
Issue: Other

Complaint:
I have applied for Chase Freedom credit card and was denied because " Too many credit cards opened in the last 2 years. '' I feel this is a discriminating policy against divorced people ( I got divorced last year ). During a divorce the parties are forced to close credit cards that are issued on both names and open new cards with de-novo credit inquiry and credit check. There is no way around it, the accounts have to be closed and new credit cards ( CC ) have to be issued. Even though I have had another CC with Chase for 10 years with no late payments and no carryover balance ever on the account and even thought I was approved for house refinancing twice after the divorce and was approved for about XXXX CC, Chase had denied my application. When I called to depute the issue, I got to talk to XXXX ( the senior support specialist ) and he was no help. He kept putting me on defensing by constantly asking why do I feel that Chase discriminates divorced people. Instead of giving me any solution to the situation I was forced to defend why I felt the way I was. XXXX did n't tell me when I can reapply and what is an acceptable amount of CC that could be opened in the past 2 years. I feel this is an unfair policy that is discriminating against divorced people, and yes I know that Chase was n't notified of my divorce, but anyone knows that divorced people will have too many CC opened in their name right after the divorce, and I do n't know about another group of people that is going to have a lot of CC opened in a short period of time. So, yes, this policy is discriminating. There could be better parameters used to avoid such a discrimination and still provide Chase with " credit safe '' customers. If I was approved for refinancing my house twice during the past 2 years, I do n't think getting a CC should be an issue, I did n't ask for a particular credit limit or credit transfer, which I never use. So being denied really feels like a discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On XX/XX/2020 I sent letters to the credit reporting bureaus Transunion, XXXX, and XXXX  demanding that they remove all the items I outlined in my letters to them. By law, they are not suppose to furnish a report without my written permission. This is pursuant to 15 usc 1681b ( a ) ( 2 ). None of the bureaus reached out to me to ask my permission to place the derogatory items on my report so therefore I demanded that they delete them from my report immediately. They have not produced any documents that says I gave them written permission to furnish things on my report. More so they also violated my rights to privacy as a federally protected consumer under title 15 chapter 41. They have not responded to any of the letters I sent them so therefore I am launching this complaint against them.

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 2016-09-07
Company: Nelnet, Inc.
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I enrolled and attended XXXX semester of on-line schooling through XXXX to receive my XXXX. I currently owe over {$3300.00} in school loan debt for services that I did not receive, but also I NEVER received my degree! When we started our XXXX semester, I struggled in finance and was falling behind on my assignments. I scheduled a meeting with a teacher at the XXXX XXXX location in XXXX, WI to try and improve my understanding of this course. After four hours of waiting, the teacher still " never '' showed. It was after this experience, combined with the many struggles with unsupported staff that I did not feel I should pay anything more for a failing educational support system. I expressed this to the campus board and to the on-line contact representatives. I wanted to make something of my life and improve my education and status in life ... .instead, I have another outrageous bill with nothing to show for it and felt there was nothing I could do ... .I just want to be heard and to know if there is any hope of filing a Class A Suit against XXXX or become another individual to enroll in the " mentioned '' Class A Suit that is being filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XXXX I've sent disputes regarding unknown and inaccurate accounts I found on my credit report, I feel like I'm being taken advantage of and being ignored of my disputes. Since I didn't received any response and its almost 90 days now. I Demand to REMOVE ASAP those inaccurate and unknown accounts or I will file a litigation.

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 2016-01-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
i keep getting credit card offers from Chase bank acting on behalf of other companies like Southwest, Marriott etc, i have called chase and they keep telling me i wont get anymore but i keep getting them, i subscribed to XXXX etc to stop getting pre-approved applications how else can i stop this. it just seems that chase can do whatever they want with no consideration to the public 's wishes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have asked that nelnet remove XXXX accounts from my transunion report. They are reporting my name incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Chase bank. I funded the account and set up online banking. I attempted to login to my online banking and received an error message saying I had been locked out. I called Chase and was told that the bank had decided to close my account and that they were not obligated to tell me why. Since Chase is a creditor that uses credit reporting agencies - some specific to banking such as XXXX XXXX I feel like my rights under the Fair Credit Reporting Act have been violated. Given that JPMorgan Chase is a repeat offender of blatant FCRA violations I felt making this report should be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed XXXX in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only XXXX % of the value of the house. Plus we both had credit ratings above XXXX. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase bank closed my bank account with out any warning or notifications on XXXX XXXX of 2015. If I did not log on to my account mobile I would have never known that it was closed. I went to the branch on XXXX the banker XXXX XXXX kept giving me the run around he was not giving me any valid explanation due to my account being closed. He kept " assuming '' that it may have been fraud or someone was depositing checks that were not in my name. Which still does not give me an explanation. Then the banker stated that i should be receiving a letter in the mail about the cancelation of my account, which I still have not received. Now I can not receive my payroll check and it is very very inconveniencing me and my bills. I have been calling customer service for the past XXXX days and they tell me something different everytime. First the money should be on my account by Monday, then it should be there by Tuesday morning and I can pick it up from the branch, now they have to verify and send me a check. Why could they not let me know this before hand they know how there procedure works. I have no documentation because they have failed to notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collection company is unlawfully attempting to collect {$2.00} worth of tolls and has assessed me with a " fine '' of an additional {$100.00} for toll evasion. I did not amass these tolls. They've offered me a " hearing '' only if I pay the full {$100.00} as a " deposit ''. When advised that they do not have jurisdiction to collect for the transportation company nor assess penalties without due process, they attempted to extort me and claimed that they " will levee my bank accounts and withdraw the funds without my knowledge ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX XXXX Reward offer a false promotion to cath a customer for their Hotels and credit card. I apply 1 mont ago for the XXXX XXXX credit card for the benefit to travel in their hotels and Saturday XXXX XXXX, i booked a trip directly for the XXXX for the hotel XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and the air fare tickets, after that, i called a XXXX XXXX assistance to apply for the benefit ( Club level upgrade and {$100.00} credit ) and the operator told my that is impossible because i booked my travel from third party ( XXXX ). 
I sent to XXXX the evidence to show that my trip was booked in their website directly, and the receipt from XXXX ( XXXX XXXX partnership ), never from XXXX, but they did n't want to honored the reward offered. I explained to XXXX XXXX assistant step by step how i completed my purchase from XXXX and send us the evidence but i no have any positive answer to solve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On Sunday XX/XX/XXXX I opened an envelope to find an Amazon.com Chase Visa credit card. A card for which I never applied for, never authorized nor did I want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Receivables Management Partners, LLC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX, 2012, I began services for a program by XXXX XXXX XXXX. During my initiation, I was told that the total cost of the program would only be a single deposit of {$100.00}. I made XXXX separate deposits of {$50.00}, which covered the entire care. The program ended on XXXX XXXX, 2012. Instead of my health insurance ( at that time ), covering the costs, I discovered about 6 months later, that the coverage on my end, was supposed to be {$100.00} PER DAY! I was not able to pursue a dispute, due to the fact that I was ( and still am ) XXXX XXXX, and had other things to tend to. Long story short, I am in debt now because of being given false information and miscommunication. I would like this to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
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: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was shopping at Macys and the sales associate asked if I wanted to sign up for a Macys card in order to save 20 % on my purchase. When I asked if the Macys card was a credit card the sales associate said no. After inputing all my information I was informed that I signed up for a credit card. I never wished to open up an additonal line of credit and I never received the 20 % discount that Macys promised would be given, which I insisted on because I did not wish to receive the benefits of having this card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-07
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have tried to get a loan modification for at least four years. From CitiMortgage my house will be sold on XXXX XXXX, 2015. I have gotten the run around and I can never talk directly with the person assigned to me. I always have to get a call back. some time it would days before the person was available. I have a job and can not spend my work hours on personal business while at work. My loan number with them is XXXX and at one point almost 23,000.00 dollars was paid in arrears and I also paid XXXX payments in a loan modification with them. They dropped the modification when the final papers that needed to be signed were n't back because I had trouble getting my ex-wife to sign them. She is on the loan too. I do n't think anyone can help me it is too late I am sure. The greed of these companies is not right how they want people to give in.

Company response to consumer: Closed with explanation