BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently in a rate reduction plan. It expires every 6 months and I am forced to find out lengthy paperwork to renew it. Meanwhile, accrued interest is added to the loan and the rate skyrockets to almost 16 %. There do not appear to be any options available to me to get out from under the loan. I am afraid to prepay or pay off some of the smaller loans because I have heard that you will get denied from the reduction plans in the future and I can't afford the payments at a 16 % interest rate. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
To whom it may concern I [ XXXX XXXX ] a natural person, consumer and original creditor pursuant to XXXX XXXX XXXX demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additionalfinance charge, such additionalfinance chargemay not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which thefinance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of thatfinance charge. Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit. ( m ) The term accepted credit card means anycredit cardwhich thecardholderhas requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services oncredit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
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:
Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my M & T Bank XXXX XXXX and XXXX XXXX accounts on XX/XX/23 under a promotion and I was supposed to receive : + A {$250.00} bonus for having a {$500.00} direct deposit into my checking account within 90 days + A {$100.00} bonus for maintaining a {$2500.00} balance in my savings account in XXXX and XXXX I satisfied all of the requirements and per the terms of the promotion, both bonuses should have been credited by XX/XX/23 -- but I have not received either bonus yet. 

I contacted M & T Bank via secure message on XX/XX/23 about the missing bonuses and received responses on XX/XX/23, XX/XX/23 and XX/XX/23 that they were looking into the issue -- but I have not received a response since and the issue is still not resolved. 

I've attached the page I applied through with the promotion terms and a screenshot showing the promo code was applied when I opened my 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 monetary relief
Consumer complaint received 2019-07-06
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am filing this complaint based on the keys principles set forth by the Basic Consumer Rights. The Consumer Bill of Rights pushed for by XXXX XXXX XXXX established four basic rights ; the right to safety, the right to be informed, the right to choose, and the right to be heard. I was denied all four. On XX/XX/XXXX, I bought a vehicle from XXXX   XXXX XXXX. As a mean to lower my monthly payment, I used a Chase Sapphire Preferred and a XXXX XXXX respectively to add {$4500.00} down payment. After I took the vehicle home, I discovered several issues that required immediate attention of the dealer. I called and spoke to XXXX, the salesperson and he advised me to confirm a date that I could bring the vehicle in. When I arrived at the dealer upon inspection there was more problem than I initially thought. At this point I asked to speak with the sales manager based on satisfaction guarantee that was issued to me by the dealer. After over six long hours managers finally agreed to allow to change the car for a similar model. As a practical matter, what he failed to disclose to me was that my {$4500.00} was not part of the refund. I found out in the process of the new paperwork signing because of the discrepancies in the numbers. Two things happened, I was not disclosed my down payment was not refundable and I did not have the opportunity to negotiate a fair assessment of what the cost to repair the issue I was having which by any standard would be a fraction of the {$4500.00} that I used as a down payment. I filed a complaint with both credit cards Chase {$3000.00} and XXXX {$1500.00} and they both concluded their investigation without fully investigating the matter and further proof of documents. They just took the dealer at its word and close the case. If those four standards of Basic Consumer Rights apply, I should be entitled at minimum to a fair hearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: NAVY FEDERAL CREDIT UNION
State: CA
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:
NAVY Federal Credit Union stole my entire California State and Federal Tax Refund without sending me to collections or notifying me of any action ( s ) in writing. I was expected to receive from State {$2000.00} and Federal {$6700.00}. Mind you that they are not only taking my money away, but my child 's money that he is entitled to by law as a dependent from State and Federal taxes. I am a XXXX veteran single XXXX mother caring for my XXXX son and XXXX mother. Federal Law allows only State and Federal Government Agencies to take refund money as payment toward a debt which NFCU is not. NFCU so called claims to follow NFCU Credit Card Agreement and Disclosure, but yet they refuse to provide me with the exact fine print to show me. NFCU failed to provide anything to me in writing by mail or email notifying of such offset. I have checked with the Bureau of Fiscal Services to determine whether an offset was to occur on a debt other than State or Federal Tax and they found zero. I have to pay XXXX for my late mortgage, XXXX to DWP ( Thanks COL in XXXX ), I also have to pay XXXX to NFCU for my checkline, and other bills. I expect my money back in my account asap since you have violated laws, regulations, and agreements, Furthermore, what they stole from my account has to be reported to the IRS which will cause to report a charge off as income which requires an amendment to my taxes. NFCU knows I lost my job, am XXXX and pending medical retirement/SSI, and I have other priorities other than a multimillion dollar credit union XXXX After the pandemic millions of us Americans have struggled and in debt, but what you did is theft and it is wrong. NFCU also stated by phone that they would offset {$180.00} each month beginning May from my VA disbility money. I expect NFCU to make the correct decision and return all the money they stole from my child and me or will resort to other legal and newsmedia means for help!

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 2018-07-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent a copy of the XXXX  balance invoice, sent to me from XXXX XXXX XXXX, more than five times to Equifax. They continue to show the collection Item. The other CRA 's have totally removed the claim item. The dates on XXXX XXXX  invoice ( XXXX  owed, XXXX due ) precede the date it was placed as a collection item on my records. I am once again attaching a copy to be forwarded to Equifax for their prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: DE
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:
Information on fraudulent accounts coming acknowledge verified. With no proper proof of person they spoke to during the initial investigation. They never sent me the response on the accounts put in dispute. They also disregarded my right to this information, pursuant 15 usc 168b I never gave them consent to furnish information to my report. Furthermore the information is fraud

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 2022-10-13
Company: Block, Inc.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
hello my name is XXXX XXXX and I had all my government benefits direct deposited to my cash app account and on XXXX I turned my self in and went to XXXX  and I turned my phone off and on XXXX three transactions were made on my cash app account by this person who I don't know with the cash tag of $ XXXX and the transitions were two payments for {$1000.00} dollars each and one payment for {$170.00} dollars on XXXX I was released from XXXX  and I was forced to get another cell phone and start another cash app account because cash app refused to grant me access to the old account that I had with the old phone number of XXXX and the cash tag of $ XXXX so for months I continued to consistently worrie cash app and beg them to switch my old account over to the new account that I had created with the cash tag of $ XXXX so I was able to convince someone Todo switch the accounts and me access on XXXX and once I looked inside of the account I saw where all my government benefits were transferred from my account to this person who I don't know or ever met with the cash tag of $ XXXX so I immediately called the police and filed a police report with the local police department and I filed a dispute with cash app concerning this illegal transactions and I provided proof that I was in XXXX  when all this took place and I told them that my stimulus check was stolen and my monthly social security XXXX check was stolen as well so I contacted the states attorney office where I live and filed a complaint with them as well about this unauthorized activity meanwhile cash app response to my dispute was denied and I was told that I knew about the transactions and I kept trying to tell them and I provided proof to them that I was XXXX  when all this took place so I've appealed the decision of me being denied and I'm getting frustrated because I really did not have any thing to do with any of these wrong doings so now I'm losted I've enclosed copies of all corrospondance and all the documents that I've provided to cash app to show and prove to them that I played no part in this unknown person hacking in to my account and transferring all my government benefits out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: WELLS FARGO & COMPANY
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:
I contacted wells Fargo via in reference to a charge in the amount of XXXX made on XX/XX/2018 at XXXX XXXX. I advised them that I was at the store on XX/XX/XXXX and made a charge in the amount of XXXX. I also contacted the store and they advised me it's a mistake. Wells Fargo cancelled my card and issued me a new card. However they did not issue me a temporary credit while attempting to retrieve a sales receipt. Yesterday I received a call stating that my case is closed since I had possession of my credit card. I advised them I do have posession however I was not at the store on XX/XX/XXXX. I contacted the store manager XXXX XXXX and he advised that it may be employee fraud. He reffered my cases to his loss prevention dept. I am at a loss now. Wells Fargo is refusing to help me.

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 2023-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/XXXX maybe even XX/XX/XXXX I had had filed a claim with Bank of America prepaid cardholder services and I was calling XXXX  days later to check the status of my claim and there was not even a claim opened they were supposed to have file a claim in a hardship and they filed neither on the XXXX whenever I had called and then I have been having problem after problems since I sent in a four-page handwritten statement a copy of my eviction notice text messages were the girl had bragged about stealing my money and they are yet to do anything about it and I've been sentencing XXXX  XXXX weeks ago and I need my money it's XXXX I do believe and this is getting ridiculous I shouldn't have to beg for what was mine to begin with I really wish they would just fix my problem because I didn't ask to be robbed and this is getting more and more ridiculous by the day they keep giving wrong information in the claim department no one really knows what they're talking about like at all whatsoever and it's getting more and more ridiculous I just want what's my nothing more nothing less.

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 2022-07-05
Company: ATLANTIC UNION BANKSHARES CORPORATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Atlantic Union as mortgage servicer failed to pay the real estate taxes for XXXX  Now a penalty and interest has been assessed. Mortgagee can not speak with the mortgage service department. Atlantic Union provides AWFUL service. 

These are the documents to identify the problem. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
These are college loans that been taking out on my credit score and I want it clear up

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
These are college loans that been taking out on my credit score and I want it clear up

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 2019-03-24
Company: Ability Recovery Services, LLC
State: OH
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:
XX/XX/2018 amount owed {$350.00}

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 2023-09-15
Company: Bread Financial Holdings, Inc.
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Applying for the loan required a shipping and mailing address. My mailing address is a XXXX XXXX XXXX to unreliable and un-secure postal delivery. The application would not accept a XXXX XXXX XXXX mailing address. I submitted and got the loan but now I am afraid I XXXX not get billing information. 

I called the company and informed me that company policy does not allow for a XXXX XXXX XXXX a mailing address. They are setting me up for failure when I don't get anything mailed to XXXX XXXX address. I believe I should be able to have mail sent to my mailing address even if it is a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-08-14
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Cash App allowed someone to access my information and complete 347 unauthorized transactions totalling XXXX out of my XXXX XXXX account. I've submitted 2 claims with XXXX XXXX and they denied both. I've filed a claim with cash app and they literally hung up on me. They denied my claim through email. Starting in XXXX of XXXX  I had Sim card issues with my smart phone. XXXX XXXX stated I had a compromise Sim card and had to replace it. I totally believe this is why my information was compromise. When I notified Cash app of the tran, they sent me the wrong email information. I can not afford to walk away from this amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: IN
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. I am including those aforementioned items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, H XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX WASXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation