BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for an HSBC credit card and was approved. This was on XX/XX/18. Since then I have been unable to use the card because the account has been frozen. I have been trying to contact the conpany since I recieved the card and haven't been able to speak to anyone that can help. Every time I call " Customer Support '' I am on hold for 20 minutes and then the person answering says they have to transfer the call to another department. This happens over and over until finally they either hang up or tell me to call back later. It has been over 6 weeks and all I want now is to close the account - but I can't even do that without talking to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
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:
XXXX ; Experian and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX - account numbers XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-11-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Wakefield and Associates, Inc., a national debt collector, is attempting to collect on a debt that i have no knowledge of. I never did business with this creditor, XXXX XXXX and, therefore, no account or contract exists to be sent forcollections. The alleged debt is about {$3000.00}. 
In resolution of this matter, I would like this collection account to be removed from all credit reporting agencies. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/XXXX I called Navient to discuss why the previous month they took {$690.00} from my account last month and schedule a payment for this amount for the upcoming month when I am supposed to be on the rate reduction program. I have been on the reduction rate program for a couple of years now. In XX/XX/XXXX I was sent paperwork to reapply which I filled out and sent back to Navient on XX/XX/XXXX. From XX/XX/XXXX until  now no one called to follow up on the paperwork like they normally do which triggered my phone call for today. 
Upon calling Navient I was transferred to five different departments and when I finally go to the correct department, a gentlemen got on the phone and told me that I was not eligible for the reduction program. He also told me that I was entitled to a refund since the full payment was taken from me last month " company protocol '' and wasn't sure why no one took care of it for me. Therefore when I asked " why I did not qualify for the program anymore '' he was unable to tell me so I asked to speak to a supervisor. Once she got on the phone she told me that I did not qualify for the program and when questioned " why '' she stated that the back office picks and chooses who qualifies and she did not know why or how I was chosen. And according to cooperate they are not offering rate reduction programs for people anymore. She had not options to offer me. And ended with that if I don't pay they will come after me legally. Then the phone call was over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
his letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Navient Solutions, LLC.
State: PR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Good day : My name is XXXX XXXX, and I have a student loan with Navient as a servicer. Since I live in Puerto Rico, during the hurricane Maria emergency, the servicer provided me with a payment deferment. And I made my payments as agreed. However on XX/XX/2018 the servicer send me an e-mail with my next payment due amount was {$59.00} ( and they told me by phone that the amount will be my payment for that month ), and the next day, they sent other amount ( {$150.00} ). 
I need you to investigate this situation, since I'm in an Income Based Repayment Plan, I don't want my plan to be affected of my credit reports. 
Also, the servicer needs to be more aware of the charges they make to the customers. 

Thanks in advance for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Bread Financial Holdings, Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: BB&T CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was refunded XXXX XXXX dollars from security deposit from an apartment complex. The check was written off BB & T. I went in there to cash the check and they refused to cash it because I didn't have an account. I wasn't the maker of the check. Instead, I was the payee. I'm not sure if I was supposed to have an account with them, since the Apartment Unit name and full address was on there. I ended up having to cash it with my Bank. I am complaining because I have had similar experiences with BB & T. They won't cash any type of check and in this case one with their information pre-printed on there. I'm not even sure if the teller looked the info up to see if the client was in their database. I live in a county where there are at least 3 BB & T banks.

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 2021-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was involved in a real estate fraud where i tried to purchase property in new jersey and never received the property after being contacted online by a company called XXXX. The merchant took my info and opened up an a credit card with XXXX  XXXX XXXX, XXXX and capital one. The merchant then took my card and charged it to an XXXX and kept stringing me along telling me they would purchase the property but never purchased any property and then said they would refund and never did. and then disappeared. I have a theft police case with XXXX XXXX for these charges on my account, the police case number is XXXX but capital one will not dispute these charges saying they do not see any signs of fraud but i was clueless that these were thieves and it was all a scam and they stole the money. All the charges made on the card was by this company during XX/XX/XXXX - XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. XXXX   stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a XXXX  balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this 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 2017-11-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a XXXX XXXX victim, I have my mortgage financed with Wells Fargo and am trying to get an SBA loan to pay for repairs on my house due to flooding. I called Wells Fargo to ask how I get them the notification that I am obtaining a SBA loan and was told over the phone that I should take it to a location to expedite the process. I took it to a location the same day and was told that I should have faxed it and I could n't get it authorized at a branch. They faxed the document and I have been contacted by Wells Fargo twice that it was received but it has now been 3 weeks and I still do n't have an answer or the form so that I can move forward with the SBA loan request. I desperately need an answer so that I can start the process of recovery.

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 2018-11-12
Company: JPMORGAN CHASE & CO.
State: WA
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:
Hi. I am the executor of my deceased brother 's will. Chase bank ( Credit Card ) owes my brother {$1000.00}. As the executor of his will I have obtained ( at considerable expense ) the necessary legal document to claim these funds ( Order of Summary Administration - Attached ). All other entities that owed my brother funds have come through. I have sent this Order to Chase and have spoken to them on the phone multiple times. Thus far, they have refused to honor the Order of Summary Administration and settle this matter. I sent Chase the Order of Summary Administration on approx XX/XX/18.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX Citi Card charged an auto pay against my checking account in the amount of {$290.00} and previously instructed by myself. Instruction was to pay statement in full. 

On XX/XX/XXXX Citi Card charged to my checking account {$1100.00} which was the balance since the last statement but the XX/XX/XXXX statement had yet to be produced. 
Called Citi Card customer service, XXXX, to which the agent agreed the charge to my checking account was premature and would process a reversal. 

On XX/XX/XXXX called customer service and talked with a Supervisor, XXXX. XXXX advised she would follow up on the reversal which should be completed by Friday XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised she would expedite which should complete by Monday, XX/XX/XXXX. 

On XX/XX/XXXX called XXXX again, reversal and credit to my checking account had not been completed. XXXX advised the reversal was approved on XX/XX/XXXX and would take another several days to credit my checking account. 

Help,

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 2018-11-12
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have reached out 3 times by email to the company and advised them that the loan balance has not been updated since XX/XX/2018. On my credit report it shows last payment as XX/XX/2018 and the balance has not changed. It is XX/XX/2018, and payments has been made on time every month after XXXX. The balance has not decreased since XXXX and last payment has not been updated since XXXX. I am asking that this get updated, as I pay on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I saw inquiries on my Transunion credit report. I called their customer service number to speak to a representative and tell them that you have been a VICTIM of their inquiry issue. They would not help me. The Inquiries are listed below. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/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 2018-08-16
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems is attempting to collect a debt I do not owe. I had a lease with an apartment complex XXXX XXXX XXXX that was managed originally by XXXX originally ( management changed after I left ). This management company offers leases to students for the time of their school year ( 6 months, 9 months and 12 months ). I signed a 9 month lease with them.

The entire lease payment was made through my scholarship. I have provided the email conversations of coordination of that payment.

After my 9 months, the new management company attempted to accelerate the lease and charge me for additional months and fabricated damages and incredible cleaning charges that amounted to {$7000.00}. I have learned that such scams are common with some unscrupulous management companies to continue to suck revenue out of past tenants and provide an additional income source.
The Consumer Finance Protection Bureau needs to research this not only for me..but for all of the other students who have fallen into this trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, Assignee of XXXX XXXX, XXXX Assignee of XXXX XXXX XXXX, XXXX, placed a wage garnishment on my salary, without appropriate notification. Furthermore, I did not open an account with First USA Bank, which is now owned by Chase. My identity was compromised and my social security number was used to fraudulently to open numerous accounts. I was initially sued in 2008, while away at training for the XXXX  XXXX XXXX XXXX. I was not able to defend myself for this allegation of owning money to this company. I was also never given the chance to dispute the validity of this account. They are required by law to produce documents, such as the original agreement. I spoke to XXXX XXXX at the XXXX XXXX and she was very rude and would not provide any information on rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: Braviant Holdings, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/2019 I filed for Chapter XXXX bankruptcy protection XX/XX/2019 341 Meeting of the Creditors with the Trustee ; the record will show there were no creditors represented in the Court. Specifically, no representation from XXXX or the presumed original creditor, XXXX XXXX. 

XX/XX/2019 Received voicemail from XXXX This message is intended for " you '' this is XXXX XXXX compliance officer contacting you in regards to your pending case being filed that is attached to your name, birth date and social security number. By law, I have to make you aware that once a case number " x '' is filed it will become a matter of public record and there is an order of location issued for you. Since I wasn't able to reach you by phone I was instructed to contact your employer and speak with your supervisor as it looks like this will now be a possible place of location due to the negligence on your end regarding this case. XXXX `` X '' you do have a legal right to contact the office that is processing your case if you will want to speak with them before its filed. Once your case is discharged from their office all rights are to be forfeited. The number provided on the paperwork for you to contact them immediately is XXXX. You are being legally notified by telephone and you will be located unless I'm told otherwise. 

XX/XX/2019 Received a text from a colleague that the " compliance officer '' had reached out to them regarding me. 

Please investigate why XXXX XXXX would sell loan that was known to be in Ch XXXX proceedings. Further investigate why XXXX is allowed to intentionally use illegal tactics within days of the 341 meeting to harass, further embarrass and scare an individual into some type of payment arrangement. Hit them with fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I would like to file a complaint against the banking institution of Wells Fargo XXXX XXXX XXXX XXXX XXXXXXXX Wisconsin, for improper representation of receiving a XXXX Home Equity line of credit. I feel that XXXX XXXX XXXX, who was the acting personal banker at the time didnt give me the detail information to make the best financial decision about this type of XXXX Home Equity line of credit for me and my family. I wanted to purchase a car and do some minor home repairs, with the majority of the loan for the car purchase. I had a meeting with top personal banker XXXX XXXX XXXX who was willing to assist me in that financial decision. The XXXX Home Equity line of credit was for {$30000.00} and after eleven years of paying since XX/XX/2007 I still owe {$23000.00}.

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