BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Bread Financial Holdings, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I went to XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, who has financing through Comenity.net/Dental First. They submitted a fraudulent charge of {$130.00} for a toothbrush I had stated I didn't want/need/ OR RECEIVE. They STILL put the charge on my bill and have not corrected it with Dental First. I have tried numerous times to get Dental First to reach out to XXXX XXXX - but their attempts have failed too. I checked today and the provisional credit of {$130.00} has been reversed. I refuse to pay for something I didn't want/need/or receive. 

Comenity gave XXXX 60 days to respond ... they didn't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX deposited {$6000.00} check via the online mobile banking app. Received a secure message from chase stating my funds would be available on XX/XX/22. Checked the status online on XX/XX/22 and my account was closed. I could still see the message that my funds would be available on XX/XX/22. I called the customer service line and was told that because my account was closed they would send me a check in the amount that was deposited to my address. XX/XX/22 called to check status of the check to see if I had been sent to my address yet. The representative then told me that a check would not be sent to my address and if I had the original check I deposited I could go to a different bank and cash it in there. I went to XXXX  XXXX XXXX which is who I also bank with. XXXX  XXXX XXXX deposited the check at the branch and told me the funds would be available on XX/XX/22. On XX/XX/22 XXXX  XXXX XXXX stated that they could not deposit the funds into my account because it was a duplicate. I called chase to notify them of this and to see if where my funds were. They told me to contact the issuing company- the state of New Mexico XXXX board. I contacted them and they stated that the check cleared and was paid on their end on XX/XX/22. XXXX XXXX sent me an email with the receipt proving that it was paid out and cleared on their end to XXXX account. I called chase back to inform them of this and they continue to tell me that the check had been rejected and to contact the NM XXXX  board because they should have my funds. I have contacted them on multiple occasions and even have proof that they paid out in the amount of {$6000.00}. I have yet to receive my funds from chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, 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 2023-08-24
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I made a mobile deposit. At that time I was told that as long as the deposit was made before XXXX the funds will be available within 4 business days. On XX/XX/ I contacted Cash App to follow up because my funds were still not available. They then told me the funds would be available by the 5th business day. I contacted them again on XX/XX/23 and they told me that they have no further information on the issue and ended our correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Paypal Holdings, Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up for XXXX XXXX phone service just for XXXX month. Their website and their stores advertise unlimited service for XXXX XXXXXXXX. However, the real price is XXXX XXXXXXXX. I went into a local store and purchased XXXX month of service for {$29.00} after pointing out to the sales clerk, that the advertisement clearly stated XXXX XXXXXXXX. I have since been able to restore my old phone service, which is much cheaper and I no longer need XXXX XXXX services. Per their terms and conditions, if you're not satisfied with your service, you can cancel and get a refund within XXXX days. I canceled my service on the XXXX day. The reps that I spoke with said that since I USED the service, I wasn't entitled to a refund. I let them know that it makes no sense to offer a guarantee, but only if you don't use the service. How do you know if it will work for you if you don't use it? So I cancelled my service after 6 days and XXXX XXXX is refusing to refund me, as I am entitled per their terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB:XX/XX/XXXX SSN:XXXX XXXX I have some unknown addresses and several misspellings of my name that need to be removed at once. The following names are not mine please delete them : XXXX XXXX, XXXX XXXX, XXXX SHABAYY, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, PLEASE DELETE THE UNKNOWN SS XXXX. I have been dealing with this issue for a while and I need is to be resolved 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 explanation
Consumer complaint received 2023-04-13
Company: Regional Management Corporation
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
They repeatedly called and harassed me. And hung up on me. They blocked my calls, they refused to verify the alleged debt.They have refused payment for a alleged debt that I was never contacted about by them. Thai debt appears to have happened during the whole COVID 19 lockdown. Nor was I ever given a chance to question or pay the debt before they ran up the bill by filing a frivolous lawsuit against me through XXXX, XXXX and XXXX. Who also still to date have not supplied me with anything supporting the debt. They also refuse to accept payment to remove the debt and or lawsuit complaint. I have talked to people at the XXXX, XXXX, and XXXX trying office 3 times of which all 3 times they refuse payment and or removing the debt from my credit. They have told me 3 times they would mail a letter which they have not nor have they made me aware that they are suing me. I found that information myself on oscn.com after they acted suspicious. I contacted them 2 times on XX/XX/2023 and again on XX/XX/2023. I wrote down the people name and the time of refusal. This is a malicious attempt to hurt somebody's credit for no reason. This is not XXXX We are not on a social credit system therefore you should not be able to attack somebody in the manner they are attacking me and my credit. Abuse of process and power.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if XXXX continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ XXXX $ XXXX. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: EQUIFAX, 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:
Two parts outline this nightmare due to XXXX  predatory lending practices in and inefficient customer service and exorbitant fees. Ive spent my life was perfect credit and only looked to use XXXX because of the misrepresentations it made on television regarding building my credit. Unbeknownst to me they had signed me up for a credit card as some sort of reward to the end of the term of the first loan which I paid off perfectly however since I did not receive any notice and failed to see where I signed or excepted service of that card I ended up with two late payments for the first time in my life. XXXX currently has XXXX of these XXXX complaints That clearly defy the fair credit lending act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: PA
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:
16 late payments reported to my Equifax report from domestic relations for child support when I had and have still a wage attachment from my job which takes it out every week Dates : XX/XX/XXXX thru XX/XX/XXXX Thats a total of 16 late payments I have included 2 pictures of paystubs from XXXX app as well to show the child support garnishes from the beginning of the late payments till the end and cand provide all of them if necessary which I did to Equifax I sent them and faxed them pay stubs In letter and PDF forms this is really hurting my credit Im trying to buy a house for my family Thanks you for the help and attention to this complaint Blessing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit 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:
In my complaint I sent a 50 page fax to back up what I said to the banker when they took my complaint what the bank is saying they didnt receive documents stating what I was suppose to receive and how was different then what I got apparently they cant read because its one in my statement to the baker who took complaint and they didnt recieve documents with specific cancellation information that is also in the papers I sent them they merchant never sent me my second item after I complain to him his tune is garbage he merchant breached the contract by not sending me my second two and his first one was trash. All this is listed in the paperwork I sent them.

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 2017-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2021-06-11
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:
I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO REMOVE THE FOLLOWING NEGATIVE ITEMS WHICH HAVE BEEN DIMINISHING THE OVERALL HEALTH OF MY CREDIT. THERE HAS BEEN NO ACTION TAKEN IN RESPONSE TO ALL THE PREVIOUS DISPUTES I HAVE SUBMITTED, SINCE XX/XX/2020 .... IN ORDER TO REMOVE THE LATE PAYMENTS FROM XXXX XXXX. THERE'S AN ACCOUNT BEING REPORTED WITH XX/XX/XXXX, AND NOT XX/XX/XXXX NOR EXPERIAN. WHY IS THIS NOT BEING RESOLVED? TOO MANY ATTEMPTS WITH THE BUREAUS, AND ONCE AGAIN ... NOTHING HAS BEEN DONE AT ALL. FOR YEARS, I HAVE BEEN POINTING OUT THE INACCURACIES, THE INCONSISTENT, INCOMPLETE DATA REPORTED BY THE BUREAUS. PER THE FCRA, AS A CONSUMER I HAVE EVERY RIGHT TO CHALLENGE THE FALSE INFORMATION THAT IS REFLECTING. THERE IS NO DEBT, NO DELAY IN MY PAYMENTS, AND I HAVE BEEN VERY PERSISTENT IN GETTING THE NEGATIVE INFORMATION RULED OUT COMPLETELY. PLEASE DO NOT HESITATE TO ASSIST ME WITH THIS MATTER, I NEED TO RECTIFY THIS INFORMATION IMMEDIATELY AND BANISH THE NEGATIVE HISTORY ON THE ACCOUNT. I HAVE EXCEEDED THE VOLUME OF STRESS AND DISCOMFORT REGARDING THIS ISSUE. PLEASE REMOVE THE DEROGATORY INFORMATION AS SOON AS POSSIBLE. I GREATLY APPRECIATE 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 2023-10-04
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was offered forebearance during corona. I did all they asked and it was to be put on back of loan with no penalties. It took 2 years to get lian back. I had to hire a lawyer. They did nothing!! They made impossible to get back on track! They reported me late several times during the forebearance. I had to come up with a latge amount as these crooks tried to foreclose while on forebearance. I was charged ridiculous fees and still am being given XXXX. Including autopay which I removed months ago, monthly payment that was supposed to go down yet went up and misinformation by their employees on several occassions!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: CITIBANK, N.A.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XXXX I was forwarded a copy of a citibank official check No. XXXX Dated XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dollars. Which is made out to myself XXXX XXXX. I have never seen this check before. I have contacted CitiBank through the customer service numbers provided by CitiBank. I tried to use the CitiBank websites.I called the issuing bank located in the state of Delaware. To no avail, I am trying to obtain a copy of the check and the endorsement. No one person has been able to provide said copies or how to do so.All personal from CitiBank gave the same scripted answer that it was not availible. 
I need this documentation to recover these funds. I believe this is a fabricated endorsement if such a check was deposited somewhere. CitiBank is my personal bank and they have not helped a customer in need. These monies are part of a divorce settlement. I will be grateful for help in this matter.

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