BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: AK
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 am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan.  The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX    XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: M&T BANK CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
M & T bank had a promotion for opening business accounts which enticed me to open online. My account was opened successfully online but I was not given online access, the option to opt-in for paperless statements, or the ability to make an initial deposit. Despite calling the customer support line, no one was able to assist with online access. Weeks later I received a call stating I need to go to a branch to unlock the account - something that was not explained when opening the account online. My daily account value has remained at XXXX without the ability to make deposits making it impossible to qualify for the promotion. I was also charged XXXX dollars for a paper statement which I never had the ability to opt out of. Management has stated that they will not write off the XXXX dollars or allow me to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have never given TRANSUNION written permission to furnish a consumer report on my behalf. Them doing so is identify theft and a violation of 15 USC 1681b ( a ) ( 2 ).

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 2019-01-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I changed adress and was never sent any notice or bill nor a phone call

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 2021-01-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
It's almost 60 days today since Ive sent Dispute regarding to those unknown and inaccurate accounts I found on my credit report. But I haven't received any response.I was so stress and I Demand to immediately REMOVE those account on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My loan was paid off in XX/XX/2023. I have late payments on my credit report stating that I did not make payments for XXXX or XXXX when the loan was already paid off. Which is impacting my credit score with XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. 

Fay Servicing XXXX XXXX XXXX XXXX, IL XXXX Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX, XXXX, IL XXXX. 
Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Fay Servicing ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Fay Servicing is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/RMA packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled. 

Therefore, because Fay Servicing has been the designated loan servicer, I am asking that you look into the following issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: SLM CORPORATION
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
It is now over 6 days since CD matured. Called bank XX/XX/19 & was told that they understood money was to be sent to my credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a paypal account in XXXX of 2020. I opened this account to have my beneficiary funds deposited into it from the state of Arizona. The deposit of {$8800.00} occurred on XX/XX/2020 from the state of Arizona for unemployment benefits and very shortly after that PayPal decided to put a limitation and a hold on my account where I could not access my money or do any kind of transactions at all. Apparently their stipulations and policy is ordering the customer to wait 180 days for any kind of problems to arise to prevent fraud or mistakes or anything of that nature. So I waited the 180 days and on XX/XX/2020 my XXXX XXXX days was up. On XX/XX/XXXX of 2020 I received an email from PayPal and it was encrypted and signed by PayPal telling me that my funds were eligible for withdrawal and that certain account activities were unlocked and able to use so I then went to my Paypal account logged in and tried to transfer the funds to my bank account to come to find out another error message telling me that my account is limited reference code : XXXX. I will provide that screenshot later on and many others. So I called PayPal customer service that day on XX/XX/2020 just to get a run around of the same old spiel and they told me to wait on an email and for their system to update and then try again I went through this process more than 30 times since XX/XX/2020 to present day I have screenshots of call logs I have dates of call logs many many of them I pretty much contact them either daily or every three days and get the same response from different representatives every single time. The customer service representatives are very rude and very inconsiderate and don't provide any information or any evidence or anything that helps me get to a resolution with this problem it seems like they just want to keep my money in their account to gain interest. I have had it with them I've tried to be respectful I've tried to be kind I've tried to be patient and nothing is getting resolved my account says the funds are available but I can't access them and I keep being told that they're back office is working on it but I can't get a back office number I can't get a number for any department they won't give it to me they tell me no. I am prepared to file a lawsuit in small claims court against them if this does not work please help. I don't know what to do anymore I need that money that money is for a pandemic benefit to assist citizens and they are holding it hostage for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Sent Validation of debt letter in XX/XX/2020 and hadn't received a reply from bureau. Multiple inaccuracies on credit report that need to be fixed. Utility Bill and ID also sent out with Validation of debt letter.

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 2020-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Bank of America wont put a stop payment The account was supposed to be frozen

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 2021-08-20
Company: Veros Credit, LLC
State: CA
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 never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My capital one account was in a result in fraud and identity I would like to re open my account because I was not using my account someone else hacked my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
a company in XXXX charged my CHASE debit card for a purchase I did not order or use. Chase refused to follow through with an investigation and ignoored my " VISA '' rights. 

XXXX XXXX in the XXXX california branch tried to help me, but CHASE would not help him either. 

Please help me get unauthorized purchase from " XXXX '' off of my account thank-you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A purchase I ordered was misdirected by XXXX to remove funds out of my checking account causing my account to go negative. The account going negative caused me to miss a monthly automatic charge which prevented my account from receiving a monthly service charge. The XXXX purchase was attempted two times which I did not agree with. I was charged {$34.00} two times plus {$34.00} in an overdraft fee and {$12.00} in monthly service fee for this error. 

I called customer service to remove the fees and only received partial credit to which I attempted to file a complaint and the customer service representative ignored my complaint and tried to discontinue the call. 

Since then, another automatic charge was attempted two times. While I forgot about the timing of the automatic charge and was not able to switch billing information in time for the first charge, I do not agree that Citibank should attempt to these charges two times to only receive additional fees from me. I was charged {$34.00} two times again for this transaction. 

Overall, the error by payment allocation to the wrong source caused me {$180.00} in fees and I was only granted {$34.00} in relief. 

I strongly disagree with this policy of trying NSF transactions two times to receive more income in fees. This causes undue harm to customers, especially during a pandemic. I can not be the only one impacted by this poor policy. I believe customers should have a choice when a transaction is attempted more than once. This practice is deceptive to the customer and only benefits the 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 monetary relief
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX to Whom it may concern, My name is XXXX XXXX XXXX I am closing on my new home when I recently discovered that I had some issues on my credit report that need some attention. I have addresses that do not belong to me and unknown phone numbers. 
These are the unknown addresses please delete : XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX WAY XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

UNKNOWN PHONES NUMBERS : ( 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 non-monetary relief
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
After a review of my credit report I noticed that Trans Union and XXXX have failed to show a discharge of a public record  Bankruptcy. 

Chapter XXXX status should be discharged as of 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 2018-08-01
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX, Account number XXXX. I have disputed this account with Equifax confirmation number XXXX as Fraud and provided Equifax with a copy of my Police Report. Equifax had not removed this this fraudulent account from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am the third party. 

On Tuesday, XX/XX/2018 my wife received a voice mail at XXXX from XXXX with XXXX XXXX XXXX. I called them back and they confirmed they were a debt collection agency and that they were attempting to contact our neighbor, XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. 

We have no relationship with this company. We have no relationship with, nor even knew of the existence of, their customer XXXX XXXX. 

This company randomly obtained the phone numbers of people living close to Mr XXXX and decided to call his neighbors in an obvious attempt to shame him. This is an unfair collection tactic.

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 2018-02-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX  data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. 

I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. 

On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. 

Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? 

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. 

Thank you. 

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 2018-09-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 XXXX  submitted a hard inquiry on my credit report on behalf of the XXXX XXXX XXXX XXXX. I did not apply for credit authorize a check, nothing even remotely close. It is on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a citi bank account package ( checking and saving ) opened online on XXXX XXXX. I tried to link this account with my existing citi bank online account, or to register an online account to access this account several times, and also tried to call their service number. The representative went over all trouble shootings, but I still didn't have any access to my account online so far. The representatives keep repeating the same methods, and it's a total waste of my 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