BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2019 I deposited a check into my Debit ( Checking ) account. I have proof of deposit. On XX/XX/2019 my bank took that same amount of money out of my Checking account ( On the statement it reads : Debit Adjustment Duplicate Item reversing deposit made on XX/XX/19 as duplicate it em. followed by a reference number and ISN number. ). It shows a minus sign ( signifying withdrawal ) followed by the amount listed. The issue is simply that the amount was not a duplicate deposit. It was deposited only once. I have proof in both documentation form ; via receipts, my bank statement and photographs of balance changes, as well as proof from witnesses at the bank branch itself who saw all of this information, found it confusing, contacted customer service over the phone and still werent able to get it solved. I also contacted, upon one of the employees recommendations, the customer service specialist number provided in my mobile banking app ( unfortunately, they also werent able to understand or solve this issue ). So, I have an already withdrawn amount to my bank for absolutely no verifiable reason.

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 2020-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I submitted all my documents to Chase for a loan Modification. 
In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make 2 payments. So in XXXX XXXX I did so but as soon as I did I was denied for my modification. In XXXX XXXX I was told by chase to stop making my payments to qualify for the modification but now they have no record of it. they told me in XXXX XXXX when I called back Chase to see what was going on I had n't heard back them that it would n't matter that if I did n't get the modification Chase was going to foreclose on me anyway. At is why I am over 4 years 7 months behind on my mortgage. I have been denied for bring my account current, XXXX XXXX I was denied for being 12 month behind on my mortgage and I was n't, them I was told then did n't have a program to work for me. Now after 4 1/2 years I 'm being told that I should have reaffirmed my debt before applying for a modification. I worked with XXXX XXXX XXXX XXXX in XXXX, I have worked with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have a number of other ones and just went back through XXXX XXXX XXXX XXXX again. How can all of these housing counseling companies HUD and Making Home Affordable and they tell me that I qualify for the Loan Modification for the last 4 1/2 years but Chase ca n't. I need to save my home. They have put a sale date on my home for XXXX/XXXX/XXXX and was only told XXXX XXXX/XXXX/XXXX This is wrong I have everything I can do to save my home but Chase just does n't want to work with me. Please can someone standup for me instead of the banks. I have turn to everyone for help and everyone stand up for Chase

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I applied for student loan forgiveness on the form sent to me for such purpose by Sallie Mae. 
I sent the completed application to the proper address per the instructions given by Sallie Mae for XXXX unemployable veterans because of a XXXX service connected XXXX. Sallie Mae 's instructions for XXXX veterans that came with the form state that no physician 's statement is necessary to be completed in the case of service connected XXXX veterans. However, the only part of the application that I did not send to Sallie Mae via certified mail was a physician 's statement. I completed every line of the application other than the physician 's statement. Sallie Mae wrote back in response to my application that it could not review my application at this time because my application was incomplete. My first payment is due in four days which is not enough time to resubmit another application no different than the one I have already submitted. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, 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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX  XXXX  XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was at XXXX XXXX to purchase appliances on XXXX XXXX, 2015 using CHASE credit cards. I have credit line of CHASE Freedom VISA for {$2500.00} and CHASE XXXX RAPID REWARD VISA for {$19000.00}. 

My transaction cost was XXXX + - which I charged on CHASE XXXX first ; however, it was declined with FRAUD ALERT reason. I confirmed my transaction online. Upon calling, I offered all the necessary information to identify me, however, at the at they declined the transaction with excuse that they still could not identified me. I gave my SS number, date of birth, how and under what circumstances I got my credit card, XXXX digits on the back of my card, credit card number, birth date etc. But the company still refused to approve the transaction saying it is part of process and requires further investigation. 

I was at the point of sales of XXXX XXXX and the bank had all the opportunity to identify me, however, because of their discriminatory practice, I had to go through embarrassing situation, spend lots of time, and end up their rejecting my purchases. 

CHASE VISA also called me after few days of transaction, however, they are still confused about my identity till XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I OPENDED A XXXX XXXX FOR MY BUISNESS AROUND 2005. 
FRAUD WAS COMMITTED ON MY CARD A NUMBER OF TIMES. 
THE LAST FRAUDULANT CHARGE WAS MY BREAKING POINT SO I CLOSED MY ACCOUNT WITH THE UNDERSTANDING THAT THE CHARGES WERE TAKEN OFF. NOW I AM APPLYING FOR A LOAN WITH THE BANK AND XXXX CREDIT CARD HAD PUT THIS ON MY CREDIT SCORE REDUCING MY CREDIT SUBSTANSIALY. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: HW Holding, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried reaching out to the apartment complex to get vitrifaction of this and failed attempts telling me to get a lawyer to release information I have never ever stated at the reporting apartment   XXXX   XXXX   in   XXXX   XXXX   Arkansas never have I signed a lease or heard of them I have no known address associated with this place and I have contacted the creditor also informing them of the same information this is not my debt and has been holding me back from getting approved for any apartments in my name I really need this removed or verified as providing proof of Identification and social security card due to this is the information that would be need to put anything in your name. If I am not able to get some type of proof that I stated and leased an apartment with this place I need it deleted from my credit profile.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Maximum Title Loans, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Maximum Title Loans will call over and over and over multiple times in the span of minutes. Today they called 3 times in a row and XXXX XXXX, then called my work and left a message with my boss. I have asked them repeatedly not to contact me at work as I am not allowed to have personal calls at work, yet they continue to call me at work. I thought it was illegal to contact someone at their workplace after you have asked them to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I n   XXXX   XXXX   XXXX   I purc hased a home. Several months later my loan was transferred to  XXXX   XXXX . During the 2 years  XXXX  has miss applied payments or not properly applied pays. Instead they held money that was intended to be additional principle payments. I called on several occasions and in the end I 've been prevented from making any additional payments beyond my monthly payment.     Now my loan had been transferred to  Freedom Mor tgage. I called to get a loan number. They where not able to provide such. I asked who or what they where. I was told they where not a bank but a mortgage company. I asked who help my loan and I was refused the information. I asked what service did the provide and again no answers given. If as the home owner and I 'm unable to get simple answers how can I trust them to "  Service ''   my loan? Additionally I asked what service they provide, the answer was we service your loan. Ok great what does that mean? Again no answer.

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 2022-04-13
Company: CITIBANK, N.A.
State: MD
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:
I have 3 inquiries on my XXXX report that I dont recognize. These inquiries were not made by me CITIBANK NA, XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020

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 2016-03-08
Company: Stellar Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XX/XX/XXXX on XX/XX/XXXX. ( XXXX XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. 

I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX wrongfully sent me to collections without properly contacting me and doubled the payment amount owed second complaint I XXXX XXXX XXXX am not the responsible party for financial payment

Company response to consumer: Closed
Consumer complaint received 2015-09-23
Company: American Collections Enterprise, Inc.
State: WV
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-11-26
Company: Navient Solutions, LLC.
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 information incorrect

Complaint:
To whom this may concern, Navient is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on XXXX occasions. Navient lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my XXXX credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the Navient online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the FCRA, Navient is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against Navient filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: KY
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:
XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX, I received two checks that were both issued to me as a scamXXXX XXXX XXXX XXXX XXXX XXXX and I accepted the first check ( ~ {$1200.00} ) for my services and when it bounced, I was given another check ( {$980.00} ) to cover the cost and it never went though. My accounts were both closed. Then my IRS check for {$6900.00} came through and Citibank deducted {$1200.00} and {$980.00} from that check and sent me the difference. The problem is that I never spent the {$980.00} because it never went through. I have been trying to get my money for this second check for 2 months. This is money from my own tax refund that belongs to me and Citibank will not give me an answer as to when I will get it or why it is taking so long. I was told up to 45 days, and it has exceeded that time frame.

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 2022-09-09
Company: OneMain Finance Corporation
State: CA
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:
On Approximately XX/XX/22 i sent a letter to this company ( One Main ) to remove the inaccurate information off of my credit report. I have not received any response or acknowledgement from them. I sent out an follow up letter by certified mail on XX/XX/XXXX and this company has yet to respond and/or remove the inaccurate information off of my credit file. I have attached the letter I have sent to them with my signed signature. Please help assist me with an investigation and the removal of this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX from XXXX called my place of employment around XXXX eastern standard time about a debt. He asked to verify myself and I did. In the mist of him talking I let him know that I can not receive personal phone calls unless it 's an emergency and to call my cell phone. He began to yell at me and tell me I have been ignoring him and he has called my cell phone. Due to his tone I hung up the phone. At XXXX he called my cell phone, he asked to verify my information again which I did to proceed with the call. He explained the reason for the call, and asked me what happened? I asked him for his name 6 six times and he again began to raise his voice and told me I would n't let him speak, if I could be quiet for two seconds so he can give me his name. He gave me his name and tell me the reason for the call. He wanted to settle the payment owed to Ace Cash Express. I asked him the company sent me letter to my home address, and again he began to raise his tone because he could not answer my question. He then yelled at me and told me he is terminating my case because I 'm willing to pay. I called back and asked to file a compliant against him. I spoke with XXXX and he stated he will review the call and handle the situation.

Company response to consumer: Closed with explanation