BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-05
Company: FIRST HAWAIIAN, INC.
State: HI
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:
XXXX XX/XX/2022 CFPB, FHB needs to scrutinized for their Security and Customer Service-Rule/Practices.

As of today I have had serious Communications issues with this Banking Institution. 

I received a XXXX XXXX XXXX XXXX XXXX XX/XX/2022. 
I Activated this Credit Card the same day. I did www.fhb.com insructions setting Username and Password. XXXX XX/XX/2022 tried logging in to FHB Website and nothing was recognized. Called XXXX XXXX XXXX. XXXX said XXXX in XXXX, call back in XXXX hours. 
XXXX XX/XX/202 called XXXX a ( XXXX ) XXXX. XXXX tried assisting with problem XXXX XXXX, then got phone got disconnected. 
XXXX XX/XX/2022, I went to First Hawaiian Bank XXXX, XXXX. 
I talked to XXXX XXXX XXXX XXXX 
She said XXXX will mail you your New Password. Received XXXX XXXX XX/XX/2022. 
Tried XXXX XXXX on XXXX. Nothing recognized. 
XXXX XX/XX/2022 I received from XXXX by XXXX an assigned UserName. 
XXXX XXXX to the WebSite-FHB.com. Finally I was able to XXXX XXXX. 
Security Questions 1 thru 4 accepted. However Security Question # 5 Highlghted as InValid! 
Called and XXXX at ( XXXX ) XXXX is ssking for My SSN #. I sad XXXX XXXX. 
He took my XXXX XXXX a XXXX today XXXX XX/XX/2022. 

CFPB, this Bank is not Customer Service-Friendly!

They Are Not-Transparent and Their IT-Software Managers are either Lost or need Training. 
Always some access problem or failure to help expeditiously! 

PLEASE, look into their ( First Hawaiian Banks ) business practices. 
Not user friendly-WebSite/Customer Service!! 

Respectfully, XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a complaint against LexisNexis. I had a bankruptcy appearing on my credit report I disputed this with LexisNexis. They concluded their investigation and stated that they removed Chapter XXXX bankruptcy that didn't belong to me and they sent me a confirmation letter that it's been removed my record with them. I submitted that notice to all 3 bureaus and XXXX  and XXXX  honored it and removed the account. XXXX refuses to remove the Chapter XXXX bankruptcy from my credit file as they're saying that LexisNexis is confirming that the Chapter XXXX Bankruptcy is reporting accurately. Please find my attachments as proof that the bankruptcy shouldn't be reporting on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
No response. XXXX XXXX keeps calling, more than once a day to collect a debt from my stepson who is out of state. He will never pay the debt. We allowed him to use our address for his mail for a short time. He has never lived here. Not responsible for a XXXX year old XXXX XXXX. I have blocked the calls, but the still phone rings. I want the calls to stop. Have notified them by mail, returning letters they sent and by phone. They keep calling. If they looked on the internet, they 'd see he is probably in Arizona where he is a frequent guest in XXXX XXXX jail. 
Name : XXXX XXXX XXXX ( or XXXX XXXX ). DOB. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have 3 student loans with Navient. Navient is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted Navient and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave Navient written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave Navient any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all fraud and personal statements off my credit file effected 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 2019-07-04
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am the victim of identity theft and several credit cards were opened using my personal information. I have filed a police report several times as a result of fraudulent accounts being established in my name without my knowledge. One store credit card in particular that was opened with TD Bank/Target was opened up online using my personal information. I have tried several times to resolve this issue with TD Bank/Target, but they have refused to accept my police report and identity theft affidavit. They have not provided any proof that shows that I was the individual that opened this account other than stating that payments were made. The credit card was charged up to {$350.00} at Target. I have provided TD Bank/Target with all my identification, proof of residence, police report as well as an identity theft affidavit used by their fraud department. They have refused to help me resolve this issue despite all of the documentation that I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: Navient Solutions, LLC.
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:
I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was made aware equifax hasplaced an extended fraud alert on my credit file for a second time without my knowledge or consent. I made a written request to have all fraud alerts removed from my credit file and included the documents in the attached file to show proof of identity ( passport, state issued Mass commission for the XXXX ID and cable bill with addresses clearly visible. The response from them is also included in the file I submitted. Asking for the exact items I submitted several times prior

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I send {$200.00} dollars through Zelle to XXXX a Zelle customer unfortunately I was a victim of fraud as I never received the tickets for the event I was promised I called my bank to report the fraud but XXXX XXXX   told me there was no Fraud that could be reported due to quick pay with Zelle policy 's devastating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.

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 2022-04-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo froze my account for no reason. I was trying to initiate a routine transfer to a friend. I did not violate any laws or any terms of service. I am verified. I have {XXXX} in my account that is currently frozen and Venmo will not give me any information as to why the account was frozen or how to unfreeze.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I had reported identity theft in XXXX with the ftc ... about the time the data breaches happened. I never received amends. Covid was supposed to about an amends of abuse about my financial power of attorney XXXX XXXX amending oil money to XXXX as herself at all times. Denying me my XXXX rights and XXXX rights is not ok..denying me benefits assets and settlement is not ok. Not notifying me of my XXXX XXXX is not ok and not allowing me access to lawsuits is not ok

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 2017-10-05
Company: JPMORGAN CHASE & CO.
State: TX
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:
Dear XXXX, I am filing a complaint against Chase Bank 's decision of the refusal to our chargeback against XXXX XXXX who lured us to make a deposit to their oversea bank in the amount of {$15000.00} on XXXX XXXX, XXXX. Half year later, XXXX XXXX closed our trading account and refused us to make a withdrawal. By the XXXX XXXX, we still had over {$70000.00} in that account but can not access to it. 

I told Chase Bank XXXX XXXX employee XXXX that XXXX was doing illegal financial activities in XXXX and they failed to deliver their promised service to their customer. Chase just ignored the fact and even did n't take a investigation. They just simply told me that the time frame to file a chargeback was 120 days and I have passed the valid time frame. I told them I was filing my claim for a refund under the XXXX XXXX XXXX which allow us have 540 days from the date we sent the money when was XXXX XXXX. But XXXX just ignored this Scheme and repeatedly told me I passed 120 days time frame. They even did n't know what XXXX XXXX XXXX is. I suggest them study the XXXX XXXX XXXX and take a close investigation at my case. Otherwise, it 's unfair to me due to Chase Bank 's ignorance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Paypal transaction Amount. XXXX Product I purchased XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX Company sent a XXXX ornament instead of compost bin Sent from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NJ. XXXX I believe the. Website was fake from a XXXX search and I. Click on the fake Website PayPal link or icon and made the transaction.

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 2019-07-04
Company: Credit Lending Services Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Loan was open in mid 2018. We lived in XXXX. I moved to the state of XXXX. I have been trying to get them to fax over a copy of title to the vehicle licensing of XXXX. My registration expired months ago. We have requested for them to do so. stating that a title from XXXX can not be changed to XXXX. I do not live in XXXX and I need my car title to register my car now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Rosebud Economic Development Corporation
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a {$950.00} loan about XX/XX/19. I made one payment of {$260.00}, then I found I am being forced into retirement due to needing XXXXXXXX  XXXX XXXX. I was then going through all debts owed and found the interest rate of 742 %. I know they are illegal in the State of Minnesota. I contacted them and informed them I was willing to pay the principal balance of {$680.00} over 2-3 months on the day I receive my social security payments. I also told them they were illegal in Minnesota. The reply was they are a tribal lender and their rules apply, not the laws of the state I live in. I do plan on paying the principal balance but can not afford their ridiculous interest rate. They have ignored my requests since, threatened with a 3rd party collector, etc.

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 2021-05-18
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: Account information incorrect

Complaint:
I have 4 student loans with XXXX. XXXX is incorrectly reporting that my student loans were 150 days late twice, back in XXXX, and XXXX. My student loans were never late. I have contacted XXXX and wrote letters regrading the issue and they have yet to remove the 2 late payments from XXXX and XXXX. Also under 15 U.S Code 1681b Permissible Purposes of Consumer Reports I never gave XXXX written consent to report these accounts. As a consumer these accounts must be deleted immediately, or i will seek monetary damages in small claims court in my city and sate. 
Under 15 U.S Code 1681b Permissible purposes of consumer reports i never gave XXXX any written consent to report anything on my consumer report and no consent is IDENTITY THEFT.

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 2020-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The caller identified herself as XXXX and that she was trying to collect a debt. When I asked her for info on the creditor she stated that she was not given that info. She said the debt was for over {$4800.00} but she was offering a settlement for just under {$1500.00}. When I told her that the debt had been paid in XXXX, she stated that we had been ripped off and that I should XXXX the company. The credit bureaus no longer have a record of this debt since XXXX. She threatened several times that her attorney WILL be taking us to court 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 2021-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
contacted the Credit Card Company Capital One the account balance was XXXX and due to late fees i am in collections for XXXX. I contacted them back in XX/XX/2015 stating that i was on XXXX and wanted to know how to pay on the credit card account without it being declared late or charged off. Never received a response in regards to the situation. then started receiving calls stating that they would take me to court. Capital One actually filed a small claims complaint that i was unable to attend due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX ( XXXX ) debt was deleted/removed from all 3 of my credit reports ( XXXX, XXXX, and XXXX ) in or around XXXX 2017. However, the debt was reinserted on my reports in XXXX of 2017 with new origination dates. XXXX didnt not notify me of reinsertion. As required they were suppose to send me notice within 5 business days of the reinsertion.

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 2017-07-07
Company: SLM CORPORATION
State: MT
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:
XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX Account # XXXX Has failed to correct and report proper payment status and balance of this account to my detriment. XXXX XXXX XX/XX/XXXX as well as XXXX, XXXX, and XX/XX/XXXX they have failed to fully report the status and balance of this account. Omitting this information has resulted in positive payment History creditors dropping me from making any withdrawals as these omissions are reporting as unknown and presumed as missed payments. I have settled this account with XXXX XXXX and they continue to report incomplete information. After settling this account they reported this account with a new major delinquency XX/XX/XXXX to the credit bureaus after agreeing to report the account as XXXX XXXX XXXX this creditor is spiteful and unjust even after I elected to settle the account in good faith. Even now they will not report the original balance, the date closed, past due amount which should say {$0.00}, or date of last activity. I have been told by XXXX XXXX that the new reports would be correct and after disputing with the bureaus they refuse in an effort to harm my odds of homeownership or favorable credit scores they have failed to report accurate and complete information numerous times please delete this account from all bureaus.

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 2019-07-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a single mother that has recently tried to purchase a home. i was denied because of negative accounts on my credit. Which what made me to see my own credit report to see fraudulent an unauthorized accounts on my credit.

Company response to consumer: Closed with non-monetary relief