BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
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:
I am being charged an inaccurate amount of {$4400.00} to my Experian credit report. I have disputed this account several times and they will not remove it. I am being charged 2 extra months of rent and other fees by the creditor called XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX The creditor has already been deleted from my XXXX and my XXXX Credit report. The creditor is wrongfully charging me an amount of money that I do not owe. They are lying saying that I have broke my lease when I did not break my lease. My lease was up on XXXX XXXX. I did not move out until my lease was over. There is no proof that I broke my lease. I still had belongings in my apartment and was still living there and had the keys.The creditor just keeps showing a receipt that they made up saying that we owe an amount that we do not owe. I need this removed off of my Experian credit report. I will not pay for something I do not owe.I have disputed this several times with Experian and they will not remove this off of my Experian credit report. I am being lied on by the creditor and they have no proof of me breaking my lease, and this has been removed from the other two credit bureaus which are XXXX and XXXX. So Experian needs to remove this from my credit report like the other 2 credit 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 explanation
Consumer complaint received 2020-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America sent a bill to my address in XXXX for maintenance fees in the amount of XXXX. I called BOA fraud department to let them know, I do not have a BOA account. She said it was open at a branch. I told her, I live in Idaho and we do not have any BOA locations to go into a branch. This account is Fraud. I received another bill in XXXX and in XXXX. I called in to file fraud. The rep said the account was forced closed. I said it was fraud it needs to be closed as fraud not forced closed. This will impact any banking credit checks. I asked for details when, where and location and if any money flowed through the account. I wanted to report this to Dept of Finance and Attorney General and all other agencies. I was transferred 5 times and the only answer I received is : Open : XX/XX/2019 Email : is XXXX I do not have an XXXX email and no one was able to provide branch location, city or state. 
I can not get any help from BOA to close the account and fraud and remove the account out of my name.

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 2023-11-20
Company: Frontline Asset Strategies, LLC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account was with XXXX XXXX and it was originally opened up under my name.XXXX my son opened his own residential account and at that time he sign over financial responsibility for the phones to the account. After that I never received another bill for this account and under my son 's social security number..but when he defaulted years later XXXX XXXX sent the account to collections and it appeared on my credit report without any notification even though we transferred responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AmeriHome Mortgage Company, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome Mortgage, XXXX. XXXX XXXX, XXXX, NJ, XXXX. We paid our mortgage off as of XX/XX/2020. We have an overage of {$1400.00} due to us in our Escrow. We have tried multiple times to get our refund. They sent the initial refund to the original property address ( home we had sold ) and we waited three weeks for it to be rerouted to our new address, of which we registered with USPS. When it did not arrive we called and asked for a new one to be issued and mailed out. They claim they did that, when I checked online to verify, there is no activity past the initial refund check in XXXX. I saw they entered our address as " XXXX XXXX '' instead of " XXXX XXXX '' so I updated it again and hoped the check would somehow make it even with the wrong street name. It never came. This was mid XXXX. We called again in XXXX, multiple times, requested yet another check and was told they would overnight this one. We thought, great, thank you. Well it never came. Called again the next week and are now being told they would not overnight anything like that. The Customer Service Reps are limited in what information they can see and refuse to allow us to talk to a manger or the accounting department to try and finally get this resolved. We are beyond frustrated. We are already two mortgage payments into our new home and still waiting on our refund from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received many phone calls about a debt that was owed by XXXX XXXX. XXXX XXXX happens to be the name of my husband 's ex-wife who is deceased. She has been deceased for more than ten years. Today received a message to call Revenue Group and spoke with a XXXX XXXX. Explained this to him. Specifically asked him to stop calling my home. The phone number received most recent call came from : XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I pay a hefty annual fee for the " benefits '' offered on my XXXX XXXX Amex card, notably the extended warranty offer. However when trying to utilize the feature, the company process does not even allow me to upload the docs they require, after hours on the phone and repeated calls to get resolution I am finally contacting you. I have been hung up on, told repeatedly to use a link that will not work, even told to upload to a 3rd party fax service putting my financial info at risk ( that did not work either ). They advertise these features for having the card with an annual fee, however when you go to use them they dont work and the support to help is pathetic, almost as if they want to discourage you from trying to use the feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I tried to apply for the hardship program with Chase United Mileage Plus Visa on XX/XX/2020 since I just lost my job during the virus epidemic. I first spoke to a gentleman in Accounts Management, and was applying when I was cut-off. I failed to get his name and ID number, and I found this strange since the cell bars on my mobile was functioning. 

I called back, and spoke to XXXX ( ID : XXXX ) in Account Management, and explained my situation. I overheard her talking to the gentleman that I spoke to previously, and he was giving her coaching tips when she said - without getting my information on expenses and etc., - that I did not qualify for the hardship program, and that I should contact a 3rd-party credit counseling agency. 

I asked if the 3rd party credit counseling agency was associated with Chase, and she said no. I then asked why would I deal with another company, when my debt is with the company I was calling on at the present. She offered to transfer me to her supervisor. Her name and ID number is : XXXX ID number : XXXX. 

XXXX said I could not apply to the hardship program since I didn't know what my income would be going forward. I told her how could I have an idea when I was just laid off? My debt with the company is about {$34000.00}. I said that I needed to be on a payment plan or liquidation plan and would look for temporary work to make the payment to pay my debt with Chase. 

XXXX was not helpful, and would not allow me to apply for the hardship program since I just lost my job. Yet, I am willing to pay a monthly amount to decrease the debt. 

I can only think that Chase is doing this on purpose to keep the interest rate high. What company declines a person willing to negotiate and pay his debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Company stated that payment was last and decease My credit limit from XXXX to XXXX which cause my credit score to drop. NO PAYMENTS IS SHOWING.

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 2023-04-24
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
US Bank {$400.00} Business Checking Bonus Business : XXXX XXXX Approved XX/XX/2023 - Account ending in XXXX Followed all terms : U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use XXXX XXXX XXXX Deposit {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete XXXX qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening.

US Bank has not contacted me after several attempts to rectify.

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 2020-02-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX I have contacted company and all 3 credit agencies and showed proof of incorrect reporting no action taken on either parts months of phone calls and 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 explanation
Consumer complaint received 2023-11-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I got a call from someone claiming to be my bank Well Fargo, he said he was XXXX from Wells Fargo. He claimed they were some unusual charges on my account and that he needed me to download app called XXXX and that someone was using XXXX for {$1000.00} loan in my name & I had to verify myself, than he had me XXXX {$1000.00} to him at XXXX, and then XXXX {$2000.00}, and XXXX another {$500.00} to him saying the money would go into another account for me, but it was really going to him. Wells Fargo has closed the cases & says since I approved the XXXX transactions that I cant get the money back. They also said they contacted the bank he used and waiting for his bank to look into it and get the money back from his bank. However, he has unenrolled from XXXX and havent gotten the money back and Wells Fargo cant do anything else. 
I explained to the bank that he was a scammer & because I used XXXX, they cant get the money back.

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 2022-11-15
Company: EQUIFAX, 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:
I am a natural person/ private person with an exemplified judicial order. I am a living person, and I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights for decades, which has destroyed my credit. I demand the accounts listed below be removed. Equifax has violated the following consumer laws : 15 USC 1681, I have a right to privacy, and I did not give Equifax written permission to furnish these accounts.

15 USC 1681 a ( 3 ) ( 4 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 1 ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

The following are negative accounts on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened an online account on monday. Today, sunday, i noticed the opening deposit was returned to my other account. I called to find out why and they said it was closed and we dont have to tell you why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX, I am a customer of PayPal with email address as XXXX Recently about 24 days ago PayPal to lock my account and asked for ID card bank statement and proof of address in order to unlock it. 

I have submitted the requested information but it's taking forever for PayPal to unlock my account and because of that I am laying this complaint for PayPal to fix things right for me and I'll remove this complaint as soon as my account is unlocked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Concord Resolution Inc (Closed)
State: IL
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money

Company response to consumer: Untimely response
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased a vehicle 2 months ago and I paid the person with XXXX, and he assures me the car fine, I XXXX XXXX the car and it was perfectly fine, but after a couple of days a lot of issues started to happen and now the car is parked with repairs of more than XXXX, next 2 days I called and text the seller and never got a reply, and now my bank which is a bank of America is not helping me get my money back, please I need someone to help me. The amount is more than 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 2022-03-04
Company: Credit Karma, LLC
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Credit Karma money spend account waa locked but somehow my whole tax return was able to be deposited into my account. I then submitted the necessary documents to get my account unlocked and nothing!!!! 
Im not able to withdraw my money and my account is still considered frozen. I can not speak to the specialized team/fraud department that is handling my claim the only information I get is that my claim has been escalated and its process. And someone from the special team will get back to me. I have callled 3 times a day for a week and I have emailed every day. I have no money and my bank account is overdrawn XXXX. I am accruing returned fees and overdraft fees. No one can help or give me a timeframe as to when my account will be unlocked or the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've provided my drivers license as well as my social to the Equifax Credit bureau. I have received several response letters requesting my ID and Social. I've mailed it in several times and now I am worried that someone has my personal information and is able to use it. If I have mailed it to Equifax over 6 times since the month of XXXX, why are they still requesting it? I have also uploaded it here to this website on a complaint. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.

Company response to consumer: Closed with explanation