BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotion offering {$300.00} for opening a checking account, {$200.00} for opening a savings account, and an extra {$100.00} for opening both, subject to certain terms. The terms for opening the savings account was to fund the account with {$15000.00} for 90 days, within 20 business days. 

Upon opening the accounts, I linked an external account with Chase so I could fund my savings account with the required {$15000.00}. I initiated the transfer on XX/XX/2020, with an expected receipt date of XX/XX/2020. On XX/XX/2020, I checked to see that my account was funded, but I instead saw that it was not, and that the transfer was " pending review ''. No notice was given to me that this was occurring, they just decided they could hold up this transfer without telling me. The status of my transfer was then moved to " Rejected '' on  XX/XX/2020. Again, nobody provided me with any information as to why. 

I feel their advertisements and terms are extremely misleading, as apparently they believe they can prevent people from actually meeting the terms of these promotions so long as they can make a vague claim of " security '' to squash transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy federal Bank account was hack and money was taken from the account. I spoke with bank, bank told me that i called just in time to stop transfer. Bank returned money to my account the following week, Stating that they observed someone entering my account adding information before make a transfer. Bank closed account open new account for security reasons. Days later money removed bank stated investigation they didnt see thing out of the ordinary and will not return money. This is a nightmare, I need my money, this couldnt have happened at a worst time. I hope this is detailed enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Delinquent account

Complaint:
I had a Chase credit card years ago and went to court because Chase was trying to sue me for a {$1700.00} balance they said I owed and I did n't. The judge through the case out and said for us to settle it outside of court because Chase could n't prove I owed it. Now I have a judgment for this amount plus interest from them. I saw an article where Chase Bank was ordered to stop collecting on accounts between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I fall into this category. How can I get this garnishment stopped? Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: AFNI INC.
State: TN
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:
This company Afni reported this old XXXX account on my XXXX and XXXX credit report originally back on XX/XX/XXXX. This account was disputed and removed from both credit reports sometime between the original date reported and XXXX. On XX/XX/XXXX this same account was added back to my credit report under Afni. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows them to report this information back on my credit report. To resolve, I did try to pay for a delete to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: MA
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:
this account is reporting late and paid it was never late account XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
this account is reporting late and paid it was never late account XXXX XXXX account number 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 explanation
Consumer complaint received 2017-02-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have been paying on my student loan since 1993 at XXXX ( i have proof ) a month that has come out of my checking account ( I have proof ). The total amount borrowed was approx. XXXX. This was the agreed amount ( {$110.00} XXXX taken out of my account, never missing a payment. After paying this for over 20+ years they still say I owe over XXXX with fees and interest. I should not of had fees for default status because after I made 6 monthly payments I came out of default status according to the letters they sent me ( I have these also ). This has been a unjustifiable nightmare since I have complied and done what was agreed upon and set up by them, This loan should have been paid off many years ago but they continually tell me, I owe the XXXX No American citizen should be harassed by our government when they have done nothing except pay the debt. As far as I am concerned and by the facts I have, they owe me money for unjustifiable fees and interest that has been applied for no reason. Please advise. Oh and by the way they will help you in no way to resolve the issue.

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 2020-08-15
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: Their investigation did not fix an error on your report

Complaint:
Hello. I have an account on my report. The name is XXXX It states that was opened in XX/XX/XXXX I keep trying to dispute this account due to erroneous information on it ( dates, amount, status, last activity ) and have no luck with the credit bureaus. My requests are coming back updated! I believe that computer system that they have is trying to take information from another bureaus, but it doesn't make it truthful. 
This account shows last payment in XX/XX/XXXX. This is completely lie, I didn't even know this account exist on my report until recently. I am trying to rent apartment, that's why looking at my report right now and I am very frustrated about mistakes and inability to fix the problem with the bureaus due to their fake re-investigations. 
I have read FCRA law and understand that it's violation of my consumer rights. 
Please help me fix this problem. I will attach a copy of this account on my report and copy of credit bureau response. If you need additional information or proof of my identity please contact me. 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
Consumer complaint received 2016-02-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have submitted XXXX separate requests for loan consolidation and an income driven payment plan. The 1st request was submitted XXXX/XXXX/16 with all required documentation. Navient said the application 'timed out '. The second request was submitted XXXX/XXXX/16 with all required documentation and I can not even get a response as to whether the application was received or its status. Since the 1st application submission XXXX/XXXX/16 Navient has added {$13000.00} in interest and fees to my account. I have attempted multiple times to get someone on the phone without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/20 I found out that my credit lost 67 points accord to XXXX XXXX   because Synchrony decides to decrease my credit line about - {$3700.00}. They acted upon this without informed me reason why. I contacted them today to questioned their abusive practice. The customer service representative said nothing they can do because it is all accord to " evaluation '' of my financials. Then said they already sent the letter or in my email online financial statement. Which I never received either ... I believe this is abusive practice to undercut the customer 's credit score.

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 2020-01-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, XXXX, EXPERIAN

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 2020-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
REMOVE FRAUD ALERT OFF XXXX, TRANSUNION, 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 2020-01-12
Company: EQUIFAX, INC.
State: MA
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:
UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX ON XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I CHECKED MY EQUIFAX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX CONTACT PERSON XXXX XXXX XXXX XXXX ). EQUIFAX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-12
Company: CITIBANK, N.A.
State: WA
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:
Citi case ID : XXXX I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX for the amount of {$1200.00}. When I received the package feels empty so I took a precaution video when open it. As expected, there only an empty old XXXX box inside the package. I opened the dispute with XXXX for return and refund. Within a few days, they closed my XXXX account and closed the dispute in their favor and denied my refund. 

I turned to Citi cards for dispute and provide them with all the documents, receipt, tracking number for return the package to the merchant and video links to show proof of item received is not as advertised. 

On XX/XX/XXXX, Citi cards completed their investigation and denied my dispute. They also threatened me to pay the disputed amount in full to avoid any past due to my credit report. 

Here is the link to the proof video that I took when open the package from ebay showing there only empty old box inside the package : 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 explanation
Consumer complaint received 2018-07-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Complaint I filed was never addressed in XX/XX/XXXX. It shows complaint still open.

I can't pay my student loans. My Health is bad.

I nearly XXXX XXXX XXXX in XX/XX/XXXX due to XXXX ( XXXX ) and the XXXX is slowly taking over my life. With the XXXX of my father in XX/XX/XXXX, I do not feel I have anyone to talk too, no one to provide me the advice that I feel I need to try and move forward with my life and more specifically my financial life. The following is a list of difficulties that I have been facing over the past 2 + years : Student Loans of {$600000.00} o Public Loans {$240000.00} o Private Loans {$360000.00} Home Loan of {$250000.00} o My home is now in foreclosure My spouse has been out of work for 2 + years My father was XXXX  by a XXXX - XX/XX/XXXX o He had No Life Insurance & No Medical Insurance My mom needs my help My mom is XXXX My mom is losing her house - XX/XX/XXXX I almost XXXX from XXXX ( XXXX ) XX/XX/XXXX I had a XXXX  XX/XX/XXXX I have XXXX XXXX of XXXX  Bankruptcy cant help with either private or public student loans I feel as though I have lost control of my financial future. I have lost control of my life. I really can use your help on the issue of student loans. I sure hope that you have a chance to read this note. I need you more than ever. I pray for your continued success.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
XXXX  and XXXX  show 2 closed charge off accounts on my credit report. XXXX shows an open, re-aged account as of XX/XX/2019. I do not have ANY open accounts with Wells Fargo. They are reporting incorrect and missing information. They have also listed the accounts as a profit loss and have wrote it off as bad debt but are still claiming a balance of these accounts. I disputed the information with XXXX, XXXX and XXXX on XX/XX/2019. Subscriber reports dispute resolved - consumer disagrees was the result with the Bureau 's and Wells Fargo not providing any proof of validation. The investigation was completed. The negative sill appears on my credit report. 
Their improper procedures are highly damaging to my credit score. Please immediately delete these accounts.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established NXX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XX/XX/XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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
Consumer complaint received 2020-01-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
about three years ago, in XX/XX/XXXX, XXXX XXXX XXXX sent me a bill saying i still owed them XXXX but i had paid it already and move away. a collections agency,. Enhanced Recovery Co L, started sending me stuff in XX/XX/XXXX, claiming i had just opened that account and defaulted. 
last year, XX/XX/XXXX, around XX/XX/XXXX or so, they dropped it, then resubmitted it this year on XX/XX/XXXX. so now it starts all over again. 
this is just XXXX. can they keep doing this? i do NOT owe this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are two accounts listed which do not belong to me which are XXXX # XXXX and XXXX XXXX I 'm requesting these be removed ASAP

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 2020-08-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the third time I have asked Home Shopping Network ( HSN ) for an arbitration meeting. I believe that I have paid them enough to be at a XXXX balance. My contract asks that I not sue them, but go through arbitration. I have requested that and a audit of my charges and payments over the last now two and a half years. There was a XXXX XXXX phone that was paid for by XXXX, because it was missing. HSN claims they are not over charging me, but I have paid the on time for the last three years and my balance is on {$100.00} dollars less than it was in 2018.

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 2016-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.

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 monetary relief