BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: MD
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:
Hello I am seeking assistance Im removal inaccurate information listed on each credit agency This may be result of theft that include to my wallet that was stolen around XXXX XX/XX/2021. These debtor accounts are new I have never done any business with this company nor do I have any debtors of these creditor or address listed on XXXX, XXXX and Experian credit agencies reporting new accounts open in XXXX .XXXX  XXXX XXXX XXXX XXXX XXXX and other personal loan is fraudulent accounts XXXX XXXX XXXX also multiple named XXXX, XXXX and XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX MD XXXX -All fraudulent personal information added to my credit reports. Any or all data input regarding this address is not valid and without my knowledge or consent. Thank you

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 2021-02-07
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
While deployed with the United States XXXX I received late charges to my Macy 's credit card account. Prior to deployment I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the Macy 's collection department and reported negatively on my credit report with all three bureaus. Once off deployment, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the company through credit bureaus to have the account removed under the SCRA with no success.

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 2022-01-01
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I noticed that University Accounting Services ( UAS ) was charging interest on my Federal Student Perkins loan throughout XXXX, but stopped in XXXX. I reached out to them to get it corrected. I followed up on XX/XX/XXXX and XX/XX/XXXX and have never heard back from them. They did, however, immediately start charging me interest again starting in XX/XX/XXXX. The only thing that has come out of me contacting UAS for help was they starting charging me interest again. 

I need to pay this loan off an University Accounting Services fraudulently charging me more than {$400.00} in interest, plus ignoring my repeated requests for assistance, has caused me not to pay off this loan yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a royal credit card member with Capital one bank, so I made a call to the capital one customer service to upgrade my regular capital one card to the XXXX card One day, I went to the Capital one bank located in XXXX XXXX XXXX, NY to ask the banker the status of my update. She asked me to help her open a capital one checking account, which I said ok. Then she told me that I will receive a new credit in a few days. Several days later I got the card, but instead of receiving only XXXX quicksilver card, I got XXXX. Basically the banker applied a new one for me. I tried to call the branch, but the branch manager was always busy, and my credit score dropped by XXXX points. When I converted my card, the representative told me that I should n't have any points dropped since I did not apply for a new card. One day, I finally got a hold with the branch manager XXXX. He told me that he is going to investigate and call me back, but now its almost been a year, I still have n't heard anything from him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning, I have a small business and am having a repeated problem with Bank of America. 
Is it possible for your agency to help me in any way? 
Basically, I make large deposits from wealthy clients into my checking account. NONE of these checks have ever bounced. 
But, just because they are over {$5000.00} the bank likes to sit on the funds for a couple of weeks. The funds clear the sending bank and are in the possession of Bank of America within 24 hours but BoA likes to enjoy that float for a couple weeks, while this small businessman has no access to my funds to keep my business going. 
I have complained to XXXX XXXX, CEO of BoA repeatedly about this and I always get the same results : 1. Someone from 'Executive Appeals ' office contacts me and wants to look into the matter. 
2. They take the information and eventually confirm that all is good. 
3. They eventually release my funds to me " as a favor ''. 
This process usually takes several days while I am dealing with hours and hours of forms, calls, emails, etc. over day after day of bureaucratic garbage that ends with a promise that my account has been notated and the famous last words ... '' this won't happen again ''. 
Well, here i am again as it seems to happen most every time. 
This is a killer for a small business, especially in these times of a slow economy. 
Is there any way you can motivate Bank of America to stick to the promises of the people and NOT sit on my money for so long? 
Thank you for anything you can do to help me. 
Gratefully, XXXX XXXX XXXX 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 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Transunion has repeatedly reported that I was late on a mortgage payments to XXXX XXXX XXXX when they were not late payments BUT disputed payments due to multiple TILA violations. The loan transferred to XXXX during the dispute process and then to XXXX XXXX when the loan was successfully modified in XXXX XXXX. The loan was sent back to XXXX in XXXX and they now service the loan. I have repeatedly notified TransUnion to get this right. On XXXX XXXX, XXXX Transunion finally corrected my credit score to a proper XXXX. Inexplicably on XXXX/XXXX/XXXX they dropped it back to XXXX. My XXXX credit score remains correct at XXXX. I called TransUnion to inquire as what could have happened on XXXX for them to drop my score XXXX points. No explanation that was reasonable was given. I have no late payments nor have I opened any new accounts. So I asked what happened between XXXX and XXXX, no answer. I need your help to get the Transunion credit score restored back to the XXXX it was prior to XXXX. Faxing document

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I was checking my credit report and I saw a credit card from XXXX XXXX was opened in XXXX XXXX and I was n't in this country! I got to this country in XXXX XXXX XXXX and the credit report says that I have a balance of {$1200.00} and I have no idea about that credit card and I can prove the date I entered to this country

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: WorldRemit Corp.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon, I made a money order on XX/XX/XXXX for XXXX euros for the worldremit company, this money order was never received by the right person and after asking so much for the money to be returned without they do not. Call today to ask about this case and although on XX/XX/XXXX they said that they would return it to me, today they tell me that they still do not know what will happen with my money, please I need your collaboration. I pass all the money order data and captures of the conversations that I have had with worldremit by email and the conversations via chat with XXXX, the receiving company. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Sometime in XX/XX/XXXX, I applied for a Direct Loan Consolidation of my two FFEL consolidated subsidized and unsubsidized loans that were held and serviced by XXXX. The subsidized Federal Consolidation Loan principal total = {$40000.00}. The unsubsidized Federal Consolidation Loan principal total = {$43000.00}. The total Loan Payoff Amount : {$84000.00}. ( see attached Verfication Certificate Detail ). I have been told by XXXX, that they do not have my Direct Loan Consolidation Application and Promissory note from XXXX. I was told by XXXX that I would need to contact my current servicer to obtain the Direct Loan Consolidation Application and Promissory Note. I contacted my current servicer Nelnet and they said my current file has not been fully updated because it was recently transferred from XXXX. I have contacted XXXX XXXX XXXX, XXXX as well as XXXX and none of them have been able to supply me with my Federal Direct Loan Consolidation and XXXX XXXX from XX/XX/XXXX. 

Sometime in XX/XX/XXXX, I signed off on a Federal Direct Loan Consolidation with the Dept of Ed via XXXX XXXX XXXX XXXX or XXXX XXXX ( see attached Direct Loans Consolidation Loan Verification Certificate ). According to my XXXX data and the Direct Loans Consolidation Loan Verfication Certificate authenticated by DOE official, XXXX XXXX on XX/XX/XXXX, the Direct Loan consolidation disbursement date was XX/XX/XXXX and Anticipated Actual Completion Date was XX/XX/XXXX. Per XXXX, In Repayment started on the Direct Loan Consolidation on XX/XX/XXXX. 

On XX/XX/XXXX, I received from XXXX, the Lender Verification Certificate for the Direct Loan Consolidation confirming that I had infact requested a Direct Loan Consolidation in XX/XX/XXXX. ( see attached XXXX document )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: DISCOVER BANK
State: TX
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:
This all started when I received an email asking if I would like to make big money working from home and I clicked yes. XXXX XXXX then called me via phone and said that I had inquired about working from home online. We talked and they told me they could teach me how to make money selling items on XXXX and XXXX. They also stated they would build me a website included in the costs. We then talked a little longer and I asked, what will all this cost me? and the gentleman stated that the cost for the training and website setup would be {$14000.00}. I told him I could not afford to pay that much money, he then proceeded to tell me I could put it on a credit card in which I would have 30 days to pay it off. He stated by the end of the 30 days I would be making well enough money and could pay the {$14000.00} back. I proceeded to put the charges on 2 different credit cards ( XXXX {$7400.00} and Discover {$7400.00} ) believing what he told me would be possible. XXXX XXXXXXXX had their coaching team contact me and we set up coaching sessions with XXXX. XXXX trained me an hour once a week or sometimes an hour and half. The coaching program was all based on the time they had available. The coaching also consisted mainly about selling items on XXXX and not XXXX and XXXX. I found out later that you could learn how to sell on XXXX for free on their site. Once the website was finished, I looked and honestly it was so basic my grandson could have done a better job. I called XXXX and he showed me how to log on to the site and change the font along with other things. I then cleaned the website up myself to the point where I thought it looked better. Back to the training/coaching sessions. I never once received any training regarding selling on XXXX. I also never received any training/coaching on Social Media Advertising for example XXXX, XXXX, XXXX, I had to learn that all on my own. They also set me up with a drop shipper named XXXX XXXX which has been unsuccessful at making any money. I have an address for XXXX XXXX which is in XXXX XXXX, but all the phone contacts are in Washington State. I have been misled and pressured into services that were not needed. I would like a refund for the full amount as you can see, they misled and deceptively sold me. They told me that in 30 days I would be making well enough money and could pay the {$14000.00} back when in fact I havent made a dime

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My last name and my brother last is the same my brother has mortgage under his name, however I have no mortgage under my name Thsnk

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 2016-11-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My father left me a trust fund with a local bank which was then taken over by JP Morgan. They have been handling the trust since then. One aspect of the trust is that the bank is required to send me half of the current principal on my XXXX birthday. JP Morgan has violated the terms of the trust by not complying with that clause. They have not communicated with me except to ask for my driver 's license. I initiated a phone call with the bank over 6 weeks ago reminding the administrator of the terms of the trust. He said he 'd " look into it '' and I have n't heard from him since. I would like for cfpb to investigate this bank regarding my trust fund and the administrator, XXXX XXXX. I would like an audit of the bank 's performance and handling of this trust. The amount of the trust as of the last quarter was approximately {$350000.00}. That means over {$170000.00} is due me on my XXXX birthday. That was yesterday, XX/XX/XXXX. I called and left a message and sent an email to XXXX XXXX, XXXX XXXX 's assistant. No reply. If I do not receive this money, I can not retire. I have my eye on a house that is for sale and I could lose out on this house if I can not put a down payment on it in a timely fashion. Please contact JP Morgan and it 's employees XXXX XXXX and XXXX XXXX and investigate the violation of my father 's trust. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: VA
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 bought 2 paintings from them XXXX  on XX/XX/20 After I received them, I decided I didn't like them and would like a refund, I contacted their support to start the process. 

I received shipping information, I paid for the international shipping back. 

After a month, the packages returned back to me, and XXXX  stated that XXXX refused my package because they didn't " order '' it. 

I contacted them about it and received no response. 

I initiated a dispute with my credit card company, Citi, and they trusted XXXX when they claimed there was custom form problems, which means they could have helped corrected but chose to do nothing and waste my efforts and money. 

Citi won't reopen or let me talk to anyone about the dispute and it's just " closed ''

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 2022-01-01
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DISCOVER BANK WAS XXXX AND IT WAS SUPPOSED TO BE DELETED OFF MY CREDIT REPORT PLEASE REMOVE ITS SHOWING A BALANCE I DONT OWE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I the natural person and consumer have never given written instructions to TransUnion to furnish a consumer report on my behalf.

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 2015-07-30
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I currently have a mortage with chase and last year I did a loan modification and I had to send in documents to see if I would get approved or denied but during that time myI could not make any payments due to the fact chase mtg said that I could not tto, so while I waiting for chase to make a decision they were still reporting tomy XXXX credit report they did not make a decision until XX/XX/XXXXand started XX/XX/XXXX and did not give me a decision until XX/XX/XXXX, but Chase Mortgage was still reporting negative in the XX/XX/XXXX 9090DAYS LATE, XX/XX/XXXX 120DAYS LATE, XX/XX/XXXX 150DAYS XX/XX/XXXX XXXX LATE, XXXX XXXX LATE, XXXX XXXX LATE, XXXX ND XXXX MEANS NO DATA FOR THIS TIME PERIOD ), XXXX ND XXXX MEANS NO DATAFOR THIS TIME PERIOD ), XX/XX/XXXX WAS REPORTING OK, XX/XX/XXXXWAS REPORTING OK, I DONT THINK IT FAIR THAT I HAD TO HAVE MYCREDIT REPORTING NEGATIVE WHILE CHASE WA MAKING A DECISIONON IF THEY WERE GOING TO GIVE ME THE LOAN MODIFICATION ORNOT I DONT THINK ITS FAIR THAT I WAS NOT ABLE TO MAKE ANYPAYMENTS DUE TO THE FACT CHASE MTG SAID NOT TO AND THEYSTILL REPORTED BAD INQURIES ON MY CREDIT REPORT IF SOMETHINGIS NOT DONE I WILL CONSIDER FILING SUET AGNAIST CHASE MORTAGEI I WANT THE BAD REMARKS REMOVED FROM MY CREDIT REPORTCHASE IS NOT A GOOD BANK TO DO ANY KIND OF BUSINESS WITHI HATE THE FACT I HAVE TO DEAL WITH CHASE THIS IS A STRESS ONME AND MAKING MY CREDIT REPORT SCORE VERY LOW PLEASEHELP ME I HAVE REACHED OUT TO THEM BUT NO SUCESS AT ALL. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
on XXXX XXXX I have a medical emergency my husband called the XXXX to take me to the hospital when I got better I started to pay all my medical bills that a got in my mail boxXX/XX/XXXX I found that out by checking my credit that I have a collection from grant mercantile agency with the XXXX so I check my medical bills and I never receive any bill from them so I call them and ask them what was goin on and after while I found that our that they where sending the bill to the wrong address I want to setlle this out so they would help me fix my credit but they did n't want to help until I have paid the whole amount wich was from {$1200.00} to over XXXX I do n't know what to do, they did wrong and ruin my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: Carvana Group, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XXXX XXXX, 2022, I entered a consumer credit transaction with CARVANA LLC. During my consumer credit transaction, I did not receive all the proper disclosures, one specifically the right to rescind. Due to not being given proper disclosures on how to exercise my right to rescind, CARVANA LLC is in violation of Truth In Lending Act 15 USC 1635. The creditor, CARVANA LLC, was supposed to clearly and conspicuously disclose as well as provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise the right to rescind. This law states that I have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction. 

15 USC 1635 states ; ( b ) Return of money or property following rescission when an obligor exercises his right to rescind under section ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a recission. It also states that the obligor may retain possession of any property delivered by the creditor if the return of the property would be impracticable or inequitable. The property is equitable to me because it is my daily mode of transportation for myself and my family.

Within 20 days after receipt of a notice of recission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or~ appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it [ ].

The transaction was done unfairly because I did not receive proper disclosures, I put a cash down payment in a consumer credit transaction which is in violation of 15 USC 1605, and my finance charge was not the sum of all charges. 15 USC 1640 states that since my finance charge was not the sum of all charges, CARVANA LLC is in violation, and I am due double the amount of that finance charge.

Company response to consumer: Closed with explanation