BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a business banking account with JP Morgan Chase. They told me that they sent me a debit card and a PIN number through the mail, but I never received it. I deposited 3 checks for {$7100.00} each. The first one on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third on XX/XX/XXXX. On XX/XX/XXXX, while depositing the 4th check, I checked my balance and realized that something was wrong, because there was only around {$20.00} left in my account. I reported it immediately to the bank and they froze the account. The thief spent over $ XXXX in just 6 days.They never notified me of any suspicious spending activity on my account. 

After a few days of " investigation '' the Bank sent a letter to me stating that they believed the charges were authorized and the money would not be refunded. 
I called the bank ( including a photograph showing that her apartment mail room had many mailboxes that were unlocked and left open ). I also pointed out to them that in addition to the fraudulent charges, there were 2 deposits made to my account ( for {$2400.00} and {$1000.00} ) on XX/XX/XXXX that I did not make or recognize. The made a deposit reversal on those two depsoits, and they reinstated the investigation. They also made a temporary reversal on some of the suspicious charges while they continued to investigate. Yesterday I received another letter denying partial charges on my claim. I believe that they are treating my claim as multiple smaller claims to confuse me and slow me down. As I told them, I never received the debit card, so it is impossible for their to be some claims which were authorized and others which were not. 

This is a business account, and covid has created extreme economic hardship for me and my employees, and Chase is hindering me from moving forward with my business and by taking legal action on this matter if need be by treating my claim as several smaller claims and not giving me a clear answer on this situation involving over $ XXXX in charges which were susupicious on their face -- charges like 3 charges in a row on the same day of {$700.00}, {$500.00}, {$500.00} at the same XXXX XXXX  location. The only reason they have given me is that my mailroom has locking mailboxes and that I haven't made a police report. Since then I have made a police report, and I have sent them photographs showing that my mailroom has many mailboxes which were wide open and possibly broken into.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-05
Company: DISCOVER BANK
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Discover Bank sent me an offer stating that if I opened up a savings account with them, depositing at least {$10000.00} by XXXX XXXX 2015, they would issue me a {$100.00} promotional credit within 4 weeks of opening the account. I opened the account, placed the promo code in the field, saw where it said I would receive {$100.00} and proceeded to deposit {$15000.00} into a savings account transferred directly from an external credit union. After 4 weeks, they only issued me a {$50.00} credit. I complained to Discover Bank but was told they needed 6-8 weeks to " investigate '' the issue. This seems like a well thought out scam - the bank gets my money and can loan it out or invest it at a higher rate than I am receiving, and they delay on giving me the full promotion to which I am entitled thereby making even more profit off of the offer they seem unwilling to honor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal -negative {$8500.00} XX/XX/2020 Transfer Paid with Balance {$8500.00} Transaction ID XXXX Seller info PayPal Note {$8500.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: AES/PHEAA
State: CA
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 been a public servant for twelve years since XX/XX/XXXX. I have made timely monthly payments through autopay during my employment as a public servant. Today XX/XX/XXXX I received a PSLF rejection letter because I have insufficient qualifying payments. However, I believe that I have made 120 payments and that I qualify for Temporary Expanded Public Service Loan Forgiveness. I have called FedLoan Servicing requesting records of all of my payments including the ones made to previous loan servicers. Despite many phone calls, I have not been able to obtain a comprehensive payment history. I was told pay history documents would be mailed to me but I have not received them. Today XX/XX/XXXX, I called FedLoan and was told by an employee that they could not give me any information regarding my total number of payments. I was told to contact my previous loan servicer to get information regarding payments made to them. The previous loan servicer no longer has information regarding my payments. I have applied for TEPSLF but I do not know the status of the application nor how many qualifying payments FedLoan has recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-08
Company: Lendmark Financial Services
State: WA
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 have a loan with LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, LENDMARK FINANCIAL SER, 01 XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: U.S. BANCORP
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I overpaid my escrow account throughout XX/XX/XXXX, when I bought my house. USBank noted this in XXXX XXXX and sent me a check, which I never received. On XXXX XXXX, XXXX I received a notice that my refund check of {$680.00} still was not cashed, and to cash it if I could. I called US Bank and told them I never received the initial check. They told me they had to charge me {$15.00} re-issue fee in order to re-issue the check I never received. They charged me even after I told them that I refused to pay the fee and took it out of the refund amount.

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: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: PA
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:
Previous complaint filed : XXXX Equifax failed to respond to my dispute for XXXXXXXX XXXX. They only sent me a copy of my credit report and they continue to report account inaccurately and incomplete. They have failed to comply with the laws that federally protect my rights as a consumer. ( which they have had multiple opportunities to comply with ) According to the FCRA, consumer reporting agencies must investigate the dispute within 30 days of receiving it. 

15 usc 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also according to 15 usc 1681 602A I have the right to privacy 15 usc section 604A Section 2 : Consumer reporting agency can not furnish an account without my written permission, I did not given my written consent to furnish this account to my credit report. 

Tracking # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was overlooking my credit report and noticed some misinformation on it. I noticed a credit card was opened in my name using my information somehow. I never gave anyone my information or permission to use it this was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received any information about this debt from this company. I saw this debt in XXXX XXXX. I filed a complaint with CFPB which it then was removed from credit. Upon reviewing the collections on my from the credit bureau this collections is 5 years old and this company has been tarnishing my credit for this long. This company has been removed from all three credit bureaus. Yet turns around and continues to try and collect a debt not owed to them by me. I have no legal or binding account with this " Third Party Collections Agency. Per my consumer rights I do not have to pay a third party collections agency. Also I have never had any connections with any company that I haven't payed for my services or if medical I have medical insurance. CFPB closed this on XX/XX/XXXX for XXXX  and now it is reporting on XXXX. This is harassment. And causing affect to my personal credit. K, B, R , Inc. continues to post on my credit accounts after they have been removed. K, B, R Inc. aka Rash Curtis has no accounts with me has never notified me nor whatever company they are collecting for has notified me for an account number with XXXX I do not have any legal binding accounts with K, B, R or Rash Curtis for them to continue to try and collect from me. They have reached the statue of Limitations 5 years since they said this happened in XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE sent letter that I did not have enough coverage on home when I did. So I changed insurance companies on XX/XX/2019, See attached bill. LOANCARE never paid the premium out of my escrow account so I received a policy cancellation from XXXX. I then called XXXX   and paid the {$680.00} in full and then Called XXXX XXXX XXXX to complain along with LOANCARE and they said I show a payment was requested to XXXX and she would do it again, I told her at that time not to bother because I paid it in full and wanted them removed from doing my escrow. They refused and then send me a bill for {$330.00} for lack of insurance coverage because they did not do their job, I received a letter on XXXX XXXX saying I owe {$330.00}. I have reached out to XXXX XXXX XXXX to complain and no reply. LOANCARE is playing games and will not correct their mistake. 
I will not pay this bill as it was not my error and if and attorney and law suit is required I will hire an attorney

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 2022-01-26
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Santander bank closed my account without warning and charged me a {$50.00} XXXX fee. They claim they sent me a letter about this but I never received any such correspondence from Santander. 

They are liars and they STOLE {$50.00} from my account. 

As you can see from the attached bank statement, they STOLE {$50.00} from me on XX/XX/XXXX. And then sent the remainder of my funds to the State of New York.

I filed a complaint with the New York De
partment of Financial Services but they told me I had to file my complaint with CFPB, which is what I'm doing right now. 

The bank sent me an email with a contact name and phone number. I spoke with Executive Office Advocate XXXX XXXX from Santander bank on XX/XX/XXXX. She can be reached at ; office hours are Monday through Friday XXXX to XXXX Phone XXXX She is a liar and basically assumes that I received their correspondence informing me of my accounts inactive status. But just because the bank mailed it doesn't mean I received it!

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: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the loan modification process, in error Wells Fargo did not offer the trial modification timely. 

XX/XX/2020 I received a letter from Senior Vice President XXXX XXXX of Wells Fargo apologizing for the organizations error and a promise to re-report to the bureaus paid as agreed as it would have been should the modification agreement was offered and made timely. 

This has caused a huge impact to my credit report and scoring over the last couple of years and my ability to qualify for credit.

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 2022-01-26
Company: AES/PHEAA
State: WA
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:
Back in XX/XX/XXXX, I resubmitted my employer certification forms for the past 5 years essentially. ( XXXXonwards ). With the new PSLF waiver : " Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan. '' So after i submitted my Employer certification form, I never received updated payments on 7 ineligible payments I made back from XXXX. I was told after about 3-4 months, I should verbally call for a recount. This would cost me about XXXX if not included, as I would have to make those payments later on under a different income. These ineligible payments were at a time period where there was little information given on how to qualify for PSLF. Payments as low as XXXX cents that were missed. 

I attempted to contact myfedloan multiple times, including most recently today XX/XX/XXXX. The only thing that happens, is I get transferred over to another PSLF department, and never get through to anyone. I have the ID # of the phone call if that helps, who transferred me again to PSLF department and have been waiting >30min with no person I've been able to ask for an official recount on those payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: U.S. BANCORP
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I bought a house using XXXX home loans and closed in XXXX 2015. A couple of weeks later my mortgage was sold to US Bank. The date of the transfer from one to the other was XXXX XXXX. 
I made my mortgage payment on XXXX XXXX 2015, of {$1700.00} to XXXX XXXX XXXX ( before my mortgage switched to US Bank ). Since the take over US Bank has said that I still owe the payment due XXXX XXXX, and XXXX XXXX Loans, say that I have paid it and they are wrong. I have made 4 calls and spent time trying to find where this missing payment that these companies can not figure out. 
So now I have become a middle man between XXXX multi-XXXX dollar companies to resolve a payment. I do not owe US Bank a payment until XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the XX/XX/XXXX. On Transunion, XXXX, and XXXX they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXX recovery. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, 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 2022-01-26
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
During the course of 30 years, my student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and the Department of Education ). After reviewing my credit report I notice several inconsistencies regarding the account DEPT. OF EDUCATION/NELNET # XXXX in the amount of {$56000.00} and {$66000.00} both payment status section. XXXX is reporting a balance with derogatory payment status. XXXX is reporting a balance of {$66000.00} a current payment status and XXXX is reporting a balance of {$66000.00} and {$56000.00}. Now all three of these balances cant be accurate. In addition, DEPT. OF EDU/DIRECT LOAN SERVICE SYSTEM XXXX and XXXX reported closed {$0.00} balance on XX/XX/2013. These student loans have been closed, transferred, and resold to various financial lenders ( Direct Loans Servicing System, XXXX XXXX, XXXX, Nelnet, and Department of Education. These accounts appear to be furnished by the same creditor so why is all the provided data differently? It is your duty to ensure that all information reported is consistent and most importantly, accurate and you have failed to do so. Please INVESTIGATE, REMOVE/DELETE these ERRONEOUS ITEMS IMMEDIATELY. Let this be a formal complaint against XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i live in florida. a texas ac company keeps adding charges to my credit card. the ac company 's listing goes to a book store ( ac charges being billed fraudulently to a bookstore should have beena red flag for compass ), not an ac company. charges for {$500.00} and {$200.00} were put on my account and i received nothing of value. 

i disputed the charges. then compass decided they were valid charges even though that would be impossible. 

the charges are being added to my account by compass and billed to me and added fees to my account, refusing to remove those fees as a result of the fraudulent charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: NY
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:
Hello I am writing because I am having continuous issues with the three credit bureaus and my credit report. I have sent numerous letters to the credit bureaus and I have even submitted a few complaints with CFPB and I am now submitting this complaint again and a complaint with the FTC. On XXXX, XXXX, and Experian they're reporting portfolio recovery accounts that are in violation of 15usc 1681e-d. These companies like to get away with whatever they want. I have sent numerous letters to the credit bureaus and the only thing that portfolio will send me is a bill that is not validation of a debt. They have never provided the authorized agreement creating the debt which is required to collect on a debt 15usc 1692f. Therefore if there was no agreement in place between myself and XXXXXXXX XXXX. That means I have no contractual agreement to pay them an alleged debt. I am also writing here because XXXX XXXX agreements is reporting an account as an installment account and it is a sales agreement please delete this account from my report immediately, 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 explanation