BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-17
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a NetSpend prepaid card. I normally receive my payroll on Monday afternoons. On XX/XX/18, I didn't recieved my deposit. I called NetSpend they advised me that it was an issue with ACH deposits from XXXX. They advised it was not a complete issue with all customers but some. They couldn't give an ETA on when the deposits would deposit or what the actual issue is. They only have generic responses. Called them again XX/XX/18 got the same response this time referring me to XXXX. I called XXXX and immediately got the automated recording that it was a system issue with the ACH deposits system and were trying to resolve it. Still no ETA or what the problem is. My only issue is why consumers weren't made aware of the issue immediately when NetSpend found out from XXXX there was a problem. Making consumers aware is important.

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 2019-06-18
Company: Big City Finance, LLLP
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
calls 5 times a day every day since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: ALTERNATIVE DISPUTE RESOLUTIONS
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been receiving calls from a company called XXXX XXXX stating that I owe a credit card balance with XXXX XXXX XXXX   credit card. Their number is XXXX. To my knowledge, I have never had an XXXX card or a XXXX XXXX credit card. This is not reported anywhere on my 3 credit bureau reports. I returned the call and the person seems to have my social security number, address, name and date of birth. They threatened to serve me with a lawsuit and legal documents if I do not settle an account. They never gave me the amount owed just wanting payment information. The individual escalated his voice and used threatening and derogatory language over the phone and when I attempted to respond, he began to speak over me. I finally had to end the call without giving out any information. They continue to leave me harassing phone messages. Is there any further action or recourse I can take at this time? 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Dear Sirs, I have moved abroad, to XXXX, and the over-the-phone agent can not assist me on my my Macy 's Amex credit card account affairs, since the agent asks me for cell phone or mail contact, both of which are no longer available.

At this point, the agent has informed me that she can not process the following requests : 1 ) An investigation into a transaction of {$18.00} on XX/XX/XXXX, which I was contacted about via email ( I didn't do the transaction ), and that I rejected ( I clicked " I do not recognize one or more of the above. '' on the email link. See email attached ) Despite the information " Charge Status : Declined '' on the email, apparently the charge was still processed, or additional transactions were attempted that currently amount to a {$39.00} balance. 

2 ) Once the issue above is resolved, I would like to cancel the credit card immediately. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is attempting to collect and unverified debt. I will be seeking damages. This is unlawful.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions Inc.
State: NV
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 am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a home. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have two complaints against Wells Fargo Bank The first complaint is that I have a credit card account linked to my checking account with Wells Fargo with which Wells Fargo has an agreement with me to advance any amounts that are presented to my checking account from my credit card. From XX/XX/XXXX to XX/XX/XXXX Wells Fargo added {$170.00} in overdraft fees to my personal checking account When we having agreement any overdrafts are to be covered by my credit card account. 
And speaking to an escalation 's agent at Wells Fargo I was told that my credit card account no longer overdraft protection linked with my checking account I received zero notification and zero funds return to my account in Lieu of the the checking shortages. Was also told by the agent I never had overdraft protection linked to my credit card account, this is not accurate. 
Wells Fargo Bank did in fact provide overdraft protection from my credit card link to my checking account on XX/XX/2018 for {$270.00}. also on XX/XX/2018 Wells Fargo advanced {$25.00} from my credit card account to cover a shortage. Still Wells Fargo has refused to refund the overdraft fees of {$170.00} erroneously posted to my checking account despite the historical fact they have provided that as agreed for my credit card. 
Also Wells Fargo Bank deliberately posted a credit card payment from my checking account knowing there was {$0.00} in it advanced it against the credit card and still charged me a {$35.00} overdraft fee

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This whole problem started when I had XXXX XXXX. My job was with them I paid them and when I least imagined I was with BANK OF AMERICA I was in arrangements with them when it appeared that it was no longer BANK OF AMERICA had  changed to XXXX XXXX XXXX 
I communicated with them and they sent me to XXXX. They have made fun of me all these years, they send me letters that I qualify for a modification, they ask me for documents, I send them to them and they spend months and I call and call and they tell me that it is in process. After several months they send me letters saying that the bank does not want to participate. I call them again to send some payment while they fix the problem and they tell me that they can not receive any payment until the modification is made.I have hired lawyers and lost a lot of money and do not want to participate. Then they come back and send me another letter that I now qualify and so I've filled hundreds of applications and it's always the same. So they keep playing with my feelings all the time.

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 2020-06-23
Company: I.C. System, Inc.
State: CO
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:
An individual with the same name " XXXX XXXX '' who lives in Florida opened an account with XXXX XXXX in Florida. That account was not paid and went to a collection agency, I.C. System, Inc., who then filed a collection for that account under my name and social security number even though it did not belong to me. It is now showing on my credit report. When I called I.C. System to complain and have this removed they could not find an account with my social security number or address but they refused to remove the collection from my credit even though they had no proof it belonged to me. They then had me call XXXX XXXX and XXXX could not find an account under my social security number or address, either. 
Even though they had no proof whatsoever that I was the XXXX XXXX on the account they refused to remove the account from my credit report and informed me that I had to file a police report concerning the incident. I told them that it was not identity theft but that hey just had another client with the same name and they needed to fix their records and they did not care. I have filed the police report and am now filing with the CFPB.

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 2018-11-01
Company: Experian Information Solutions 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and PROF DEBT ( 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 2018-11-01
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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX  XXXX, and 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 2021-05-02
Company: EQUIFAX, INC.
State: OH
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:
There are numerous inquires on my report that I did not authroized. I have launched over 10 dipustes over the inquires with Equifax, but they have failed to comply with FCRA and remove the following unauthorized inquires. Since that is a voilation of FCRA & I have attempted 10 + times to fix the situation with Equifax, I am raising my compliant with CFPB. The following inquires attached needs to be removed ASAP. Failure will result is civil penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had three credit cards through community bank ( Victoria secret, XXXX and elder beerman ) They were in the negative and past due. I called and settled these and paid them months ago and they are still on my credit report. I have sent community bank several messages and I have disputed it on all my reports and they have yet to take these off. I write them messages online and never get a response. I am trying really hard to get my credit up and buy a house and they are refusing to take this off of my credit report. I don't know what else to do. It would be different if I didn't settle or pay them but I did on all three of them. 
Victoria Secret- {$590.00} XXXX {$580.00} Elder Beerman-  {$680.00} I have done everything that I can do and these are the only negative remarks left on my credit report and these need to come off for me to be able to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have disputed the late payments XXXX XXXX XXXX account for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Experian Information Solutions 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:
I am concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the account XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} 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 explanation
Consumer complaint received 2019-06-18
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC Bank failed to investigate my fraud claim. I reported to PNC that I never received an item that I purchased. I also told the bank that I possessed written evidence from the seller that confirms I never received the item. PNC never attempted to view my evidence and instead closed its investigation, citing no evidence. 

I called PNC seeking an explanation. The agent told me she would check with the person who conducted the investigation and call me back with more details, but they never called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Experian Information Solutions Inc.
State: OK
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX XXXX {$830.00} XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXXXXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$150.00}

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 non-monetary relief
Consumer complaint received 2020-06-23
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:
I am writing this due to non-compliance with the CRA ( Experian ). I  strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the account is accurate but have not produced any documents. I have dispute this item numerous times with inaccurate information being reported. There is no way that this trade line is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation 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
Consumer complaint received 2020-04-30
Company: Trident Asset Management, L.L.C.
State: IL
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:
On XX/XX/XXXX Trident Asset Management reported a collection account for XXXX without ever notifying me. I called them end of XX/XX/XXXX and they removed the collection from two of the credit reporting agencies leaving it on XXXX. I submitted a dispute through XXXX and they verified the account but have yet to send me notification/validation. I sent the dispute letter through certified mail and regular mail. This is my last attempt to work with them prior to submitting it to my attorney to file suit once the courts resume operations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a product from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$130.00}. The company offers an advertised money back guarantee within 60 days with No Hassles and No Questions. On XX/XX/2019, I contacted XXXX XXXX to request a full refund all I got was Hassled, Questioned, and Shamed for doing something wrong ; which I was not!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Navient Solutions, LLC.
State: MD
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:
My student loan account recently switched from Navient to XXXX XXXX because I filed a XXXX XXXX. Immediately prior to the switch, while at Navient, none of my loans were in forbearance. Loans received from attending XXXX College were placed into repayment ( as I desired and planned for ) under the PAYE plan and this was confirmed speaking with a Navient representative at approx. XXXX EDT on XX/XX/2019. On XX/XX/2019, representative XXXX at XXXX XXXX informed me that Navient should have placed my XXXX loans on forbearance because I had other loans in a grace period. XXXX required that I ask them to remove the loans from forbearance that they put into forbearance between XX/XX/2019 and XX/XX/2019, even after taking a payment under PAYE on XX/XX/2019. As such, I was required to ask to be removed from forbearance on XX/XX/2019, contributing to a larger interest capitalization than if Navient had originally placed my account on forbearance as XXXX would have suggested is normal procedure. 

If Navient had put me on forbearance upon my XXXX loans coming into repayment, I would have requested to be off of forbearance sooner and thus would face less interest capitalization ( if this is indeed standard practice as XXXX suggests ).

Company response to consumer: Closed with explanation