BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: DC
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:
I applied and received the XXXX XXXX XXXX Credit Card in XX/XX/2020. The XXXX XXXX pandemic hit, and all airline travel was suspended. I was unable to take advantage of the XXXX benefit that was heavily advertised as a major factor for this card and it's {$450.00} annual fee. I reached out to Chase Credit Card servcies at XXXX to request any compensation. My logic : I paid for a benefit that was not provided. Chase stated they were not authorized to refund or offer any compensation. I contacted XXXX XXXX to determine if there was any compensation for card holders impacted by the pandemic. I have paid {$900.00} so far and in XXXX the fee will increase to {$520.00}. I am reaching out to the CFPB to determine if there is recourse for compensation before I terminate this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
On XX/XX/2021 I prepaid a rental car reservation with XXXX XXXX rental for {$600.00}. This rental was to be picked up at XXXX, and it was for 7 days. I had responded to the the freeze crisis in Texas with XXXX Disaster Response Team. There was XXXX agents at the XXXX counter due to COVID and I was directed to the XXXX area to select my rental. After having the truck 5 days I submitted via a call to the XXXX Customer service number an extension as there was no end in sight for the the amount of work ahead of us. I was told by the agent that my rental could be extended, and I would be receiving an email and just needed to reply to it. I have rented over 35+ cars from XXXXt in the past 24 months even in the pandemic for business so I took her for her word. Never receiving an email, and not following up was my first mistake. I was then contacted on my personal cell phone by a repo man that was contracted by XXXX to HUNT ME DOWN! I explained sir, Im not going anywhere, I will get ahold of XXXX now and resolve. A call was made immediately to XXXX a supervisor was requested and I was denied and hung up on 3 separate times. At this time I sent an email requesting a manager, at which time I received a reply back 6 days later stating due to the issue with my account NO MANAGER OR SUPERVISOR WILL BE ASSISTING ME. The rental was taken back and subsequently many days later ( a week plus ) XX/XX/2021 XXXX charged my personal debit card {$4400.00}! I was on the floor, I tried again to speak with budget, was denied and was forced to file a dispute with BofA, who as of XX/XX/2021 has done zero to assist me and closed the dispute 4 separate times stating XXXX  can charge what ever they want for late rentals, and I CAN DO NOTHING about it. My card was never given to XXXX, I never authorized the transaction, I never agreed to $ XXXX/a day charge for my rental, I was never informed I was going to be charged this amount and the subsequent false fees that have been added and now blacklisted from XXXX XXXX after having spent over {$20000.00} with them the past 24 months. This has put my own work on the line, my credit, my livelihood etc. I am seeking council for the steep fees/lies/overcharging and out right disrespect from XXXX! Please help recoup my XXXX {$4400.00}. This is consumer fraud in the highest.

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 2017-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts remain un-verified and or innacurate ....

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 2023-07-25
Company: Factor Trust
State: CA
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: Other problem getting your report or credit score

Complaint:
I am deeply dissatisfied with Credit Monitoring Agency as I am unable to request my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services XXXX Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}. 
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NJ
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:
Noticed an accounts on my report that is not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
3 remaining Unauthorized charge disputes were handled poorly and the bank did not follow federal guidelines and retaliated against me for challenging their decision. 

Bank of America failed to properly evaluate documentation received from the merchant. 
Bank of America closed the 3 disputes before I was given the opportunity to submit my documentation or review the merchants documentation. 
The merchant did not provide documentation showing my claim disputes. And documentation showed someone elses card number which was not part of my dispute. 

I sent documentation into the claims department via XXXX XXXX and the 3 claims were never reopened. 

Bank of America led me to believe that my disputes were being evaluated at the bank but was advised disputes were sent into visa /mc to investigate ( Charge Dispute ) however the bank did not follow Charge dispute protocol. 
The 3 dispute claims were closed because of the length of time taken to investigation so that they stayed within federal guidelines and not because the investigation was completed properly. 

I was never given a fair dispute process and Bank of America took steps to see that I wasnt given an fair opportunity by avoiding and not returning my phone calls or emails and sending documentation out late or not at all. And using mailing time to count against deadline dates. 
Bank of America retaliated against me because I challenged their negligence and unfair process of my disputes and reported a balance owed to XXXX for account abuse and then lied to me stating my account was closed while a dispute was still in process and told me it was computer generated but records show it was forced closed and account abuse was reported to XXXX and this was not done by computer. 

Last two account statements clearly show {$0.00} balance indicating no balance owed. 
No documentation from the merchant showed my disputes or showed I was their on the XXXX or that I received services on the XXXX .we did not stay at the location on the XXXX and these charges are indicated that the purchase happened on the 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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-02-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is a request to receive all documents used to verify this account and make it published on my credit report. This item is not verifiable and needs to be removed from my credit report. There has been a fraud alert on my credit since XX/XX/2019 and these items should have been verified via phone prior to putting them on my credit file. Attached is a FTC for the stated documents requested.

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 2022-02-22
Company: Experian Information Solutions Inc.
State: MD
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2023-08-06
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:
The attached account is being reported inaccurately and does not belong on my credit report under 15 U.S. Code 1681i ( a ) ( 5 ) ( a ) ( i ). The evidence is shown in the screenshot of my credit report, which shows that this account has been removed from my XXXX credit report.

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 2021-05-17
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello- I was a Simple Banking customer who was to be transitioned to BBVA USA last Saturday, XX/XX/2021. 

I followed the directions correctly and was able to create and -- briefly -- access my checking online and via their mobile banking app. Then, I received a cryptic email ( attached ) two days ago stating that their customer service has disabled online access to my account without offering any further information -- - except to download their app ( which I can no longer log into ).

I have not been able to get a live human on the phone for assistance nor have they responded to their suggested methods of direct-messaging them via XXXX. 

It has been nine days since I have had access to my funds. Additionally, I have funds already being routed to this account that I now will not be able to access. 

Please help as BBVA USA is not providing any HELPFUL answers directly, via social media or common sense communication to their customers. They have in essence stolen my money if they will not allow me to access it. 

Thank you in advance for any assistance you can provide. It is criminal for such a large institution to do this while people are trying to recover financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi there! I initially submitted a refund request in the amount of {$8600.00} on XX/XX/2022 through Aidvantage. I was told that it would take 6-8 weeks to process. It has been over 10 weeks and I have not received any updates from Aidvantage, nor has the amount of the refund been reflected within my total loan balance. I've tried to get in contact with Aidvantage, but the representatives are unable to give me any updates as to what the status of my refund request is. I'm disappointed in not only the significant delay in receiving the refund, but also the lack of transparency in the refund process timeline. 

Thanks very much for your time and help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Information belongs to someone else

Complaint:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: FIRST NATIONAL BANK OF OMAHA
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am a consumer of the United States and i never gave XXXX nor XXXX XXXX ( partial account # XXXX ) and XXXX ( partial account # XXXX ) permission nor the right to report on my consumer report. The fact that these accounts are reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681a ( 2 ) ( i ). These accounts and XXXX are harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it hard for me to purchase a home for me and my children in these hard times with the pandemic going on. Attached to this complaint is proof of these companies reporting on my consumer report along with late payments, XXXX XXXX XX/XX/XXXX and XXXX XX/XX/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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-22
Company: DEBT 0, INC
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Didn't provide services promised

Complaint:
I signed a contract with them on XX/XX/2023. They started debiting me from XX/XX/XXXX until XXXX and they never gave me a response and my card balances kept going up and they kept charging me without doing anything. In 7 months they did not negotiate my card balance with the bank, they debited me {$1500.00} and when I canceled with them they returned only {$860.00}. They damaged my credit irreversibly for 6 years or more by not paying or negotiating I have proof of the money debited. The company is deuda cero in XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX I unknowingly overdressed my account by XXXX cents. On Tuesday XXXX a {$50.00} deposit had funds available, at XXXX XXXX I double checked my account balance then went to get groceries. On the morning of XXXX I woke, checked my account and saw that I was charged an overdraft. I called the bank, the representative explained to me I overdrew my account by XXXX cents on Monday. Overdraft fee # 1 was charged on XXXX ( which must have been after XXXX XXXX, because I checked my account and went to get groceries ). She then told me that another overdraft fee is going to be posted to my account because I used the funds from overdraft # 1, which then overdrew my account again and set me up for overdraft # 2. I asked if there was anyway I could dispute these and the domino effect that is following, she explained there was nothing I could do and then went on to sell me all the overdraft services. I 'm upset that XXXX cents is costing me {$70.00} and I 'm upset that if an overdraft fee is charged, it 's not posted in a timely manner or that I 'm not notified in a timely manner so I can avoid future charges and the domino effect that could happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: DailyPay, Inc
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I started working for XXXX XXXX XXXX XXXX in XXXX. When Began working for them, I didn't have any money. So my employment offered a service called dailypayXXXX, which it would lend you half of your daily pay. If I made XXXX dollars a day, the service would lend me XXXX dollars. The rest would go to my bank account. I used the service for my first check. They took XXXX dollars from my check and i received XXXX dollars at my bank. I didn't borrow no more money, the 2nd check out of nowhere, these people took XXXX dollars out of my second check for know reason at all. I called them and their receptionist became defensive. By them taking so much money out of my check i had to use the service for third time. They took double the money out of my check. Finally out of my fourth check, DailypayXXXX just took XXXX dollars out of my fourth check really stealing my money. I went to my employer about this, he is looking into it, and the XXXX XXXX XXXX  told me to contact you guys. I can't pay my bills. I barely can pay my rent. XXXX 's is coming up and cant by anything for my kids. This company is a scam and a thief. Please look into it, I have the proof to show the stealing. If you need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
They keep misapplying escrow payments. Anytime an adjustment needs to be made for escrow, I pay the adjustment rather than having the payment change. Their attempt to correct the situation changed my payment from {$810.00} to {$880.00}. This is happening monthly and I wonder how many other people this is happening to because the person posting the payment has no clue what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: National Credit Adjusters, LLC
State: IL
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:
Filing a claim In reference to unfair and deceptive attempt to collect an invalidated debt. 
I never received a debt validation letter informing me of such debt. 
Including the amount they say I owe, or claim that I owe. The name of the creditor seeking payment, The statement that the debt is assumed valid by the debt collector, unless you dispute it within 30 days, of the first contact ( in which I was never contacted in no form. ) Statement that if you write to dispute the debt or request more information within 30 days, the debt collectors will verify the debt by mail. 
Statement that if you request information about the original creditor, within 30 days, the debt collector must provide it. The debt collector violated my right to disclose information relevant in a validation letter XXXX XXXX ) Not giving me 30 day notice to dispute the validity of said debt, they claiming that I owe. Un authorize invalidated use of information which resulted in marks that unfairly hurt my credit, defamation of character. therefore this complaint is true to date and further action will adhere following unfair, deceptive attempts to collect a invalidated debt.

Company response to consumer: Closed with explanation