BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Navient is robocalling us XXXX times a day now since the Shelter In Place. We are Seniors. We have no loans. Their IDd number is XXXX. Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : 1. XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) 4. XXXX 5. XXXX  XXXX 6. XXXX XXXX XXXX Late Payments to Update : 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 2023-06-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1. Denied on refinancing the Townhouse and was told I qualified for Loan Modification after giving me the running around 2. Denied on Loan Modification for the very same Townhouse I was previously told I qualified for under the same circumstances of multiple excuses

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 2020-07-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call on XX/XX/2020 @ XXXX pacific standard time. 

Annoying robocalls midday during work hours. Leaves message on phone with only few words left saying go to our website XXXX. Message doesn't disclose how to pay or pin number ( which is apparently required ). Never received any mail or such stating I owed any debt. I received one other call at roughly the same time on another day some time ago as well.

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 2019-06-24
Company: Experian Information Solutions Inc.
State: LA
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:
Please see this date and accounts that are in inaccuracies : 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 non-monetary relief
Consumer complaint received 2021-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX  XXXX and XXXX XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. 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 explanation
Consumer complaint received 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Had a check deposit in my account and its been frozen for over a month now almost 2 and Ive done everything on my end and have even had people call and verify. My funds need to be available now its getting to be XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
8 Months after receiving medical care, I received a debt collection notice out of no where from Rash Curtis Associates indicating I failed to pay {$1000.00} to XXXX XXXX. I never received a bill from the hospital stating I owed any monies, and my insurance company, XXXX XXXX, confirmed all cost due was paid to XXXX XXXX as contracted on my behalf. The initial letter had no itemized detail. I have since requested and received information that does not add up, and a call to the agency did not help explain how they are deriving the amount due. 

Rash Curtis has reported delinquency to credit agencies, negatively impacting my ability to continue my bank credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. According to FCRA, SECTION 605b, it is the resposibility of the credit bureaus to delete some erroneous records on my credit file. The following items are inaccurate and needs to be remove immediately : 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 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 2020-07-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have numerous transactions on my Chase debit card that I disputed. Outpost promised me if I pay {$250.00} that I could get a full refund because my mother died of XXXX. They will not return ALL my money and I paid 6 months in advance in XXXX. Chase bank is giving me the run around. So now Visa is getting involved. Also XXXX- Outpost partner company lied on me because they had a charge disputed. Chase now is removing {$760.00} from my account saying that the merchant paid me. They admitted that they lied because they wanted to get their fees back after I nicely resubmitted payment. I'm XXXX and on XXXX they are stealing from me and SSA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-20
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:
Hello, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/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 2023-08-03
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is a follow-up to CFPB Complaint ID XXXX. American Express ' response was non-informative and did not resolve my complaint/claim. Their response was the same response provided by the Customer Service Representative - very high-level information that does not show me exactly how AMEX calculated the interest charges as a result of my partial payment during the grace period. 

For each billing cycle in scope for my complaint, I want to see the numeric and formulaic detail used to calculate the " trailing interest '' charge for each period. This includes the exact transactions that were charged interest as a result of my partial payment, when did the daily interest charges start and stop, the daily interest rate, etc. 

I should be able to use the requested information and validate it by replicating the detail in an XXXX spreadsheet and come-up with the same total interest charges for each billing period in question. I can not do this with the information provided by AMEX so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB ; I buy and sell a lot off collectibles on XXXX. Today I noticed that Capital One had charged me a cash advance fee on an XXXX   purchase of {$1700.00} last week. I called them and then spoke with a supervisor who said nothing could be done with the added charge in excess of {$50.00} plus high interest. They said it was XXXX 's fault that put it through as a " cash advance ''. I asked the supervisor how she had seen such problems resolved in the past, she said she didn't remember. 

Then I spoke with XXXX including their specialist who said it was just a computer algorithm that executed the transaction, that there was no difference with other transactions that I had done without any fees through XXXX. I have been paying off Capital One as quickly as I can on a monthly bases incurring no extra interest fees. I'm including a copy of recent transactions. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I purchased a set of custom curtains from XXXX. The seller advertised themselves as being in the US. Their seller name is XXXX, other buyers have stated they've misrepresented themselves as US sellers as well. After waiting for tracking I reached out to the seller who gave me a bunch of excuses like " he wasn't in the right mood because his father died ''. The curtains arrived in the incorrect color, with major sewing defects and in an entirely different pleat style than what was ordered. I asked XXXX to step in, but since the seller only accepts Paypal, I was pushed off to open a PayPal dispute. After opening a Paypal dispute the seller agreed to a full refund of {$250.00} after I shipped the item back to the address he provided IN XXXX. A couple quick online quotes to ship these heavy curtains to XXXX showed at least {$500.00} in shipping. I told Paypal and they don't care. I advised them of my consumer right to non-defective items- they still didn't care. I purchased this on my linked XXXX so ended up calling them to initiate a chargeback WEEKS after attempting to work with Paypal. I've been a paypal business customer for decades and provided many photos of receiving a CLEARLY DEFECTIVE item from this XXXX seller ( that also appears to have their Paypal account in California? ). This is fraudulent behavior that Paypal is condoning with their complacency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND NOTICED THINGS THAT WERE WRONG AND REPORTED MY FINDINGS TO THE CREDIT REPORT BUREAUS, BUT THEY REFUSED TO REMOVE THE FRAUD ACCOUNTS. I'D LIKE TO REPORT THESE ACCOUNTS AS NEGLIGENT AFTER IT WAS BROUGHT TO THEIR ATTENTION THAT THE ACCOUNTS ARE FRAUDULENT/INACCURATE.

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 2020-07-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX with whom I do not have any contract with reported a delinquent account on my credit reports. I never received any correspoence from them therefore wasnt able to confirm the validity of the charges. As a result my credit repot is blemished with this unauthorized account. I requested method of verification used to determine this debt is valid but they ignored my request. They have not practiced proper credit reporting procedures per FCRA.

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 2020-12-04
Company: RMB, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company keeps contacting me in regards to XXXX XXXX. I am NOT XXXX XXXX and I do not know and am not Related to any XXXX XXXX. I informed them that under the consumer protection laws they have no right to continue to harass me or to even call me in regards to someone they believed I knew. This company acts like they think they are contacting XXXX and we i again inform them I am not XXXX. they change their approach and claim this XXXX. gave them permission to contact me which is also not true since XXXX doesnt even exist. I get called almost every day and multiple times a day for a debt I HAVE ABSOLUTELY NO CONNECTION TO! They call themselves offices of Patients accounts and when they call they block their contact info from being displayed and it says Unknown Caller unless you click the call in your call log to display the original calls number. This phone number is XXXX XXXX XXXX XXXX but it is not the only number they have used its just the most recent phone number to be used.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I was charged by XXXX XXXX in the amount of {$7200.00} Sometime in XXXX I called to dispute this charge as the communication between me and merchant was minimal at best, and the work I paid to have done had not been completed. 
Around that same time my account was adjusted to reflect a credit of {$7200.00} while you investigated the issue. You also removed the payment from the Merchant and that is when the communication picked back up. 

On XX/XX/XXXX the work was preformed and I called to cancel my dispute with the Merchant I was then instructed by your team the adjustment on my account would be removed, the charge date would remain the same ( XX/XX/XXXX ) but it would show a new post date of XX/XX/XXXX. 

After waiting the 7 to 10 business day I was told it would take to reprocess the payment to the Merchant, the Merchant still has not received the funds. 
I have been charged and paid my account balance for the amount in question. 

The Merchant, who uses XXXX, has not received the funds from this resolved dispute. XXXX has no record of American Express trying to send them any funds either. 

I have spoken to multiple people at American Express as well as at XXXX however, no one is talking to each other. I am doing all the talking between the companies and something is systematically wrong between Amex and XXXX preventing the merchant from receiving his funds. 

My dispute is not The expected goods or services have not been received, the dispute is American Express has {$7200.00} of MY MONEY and they have not paid the Merchant. Where is the money?!? Follow the transaction numbers and figure out where the money is either stuck, or was wrongly deposited. 



Someone from American Express needs to contact the merchant ( which I was told would be done and to date they have not heard from you at all ), contact the merchants account processor ( which is XXXX ) and get the issue resolved. 

Find the money I have paid, and deposit it into this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft a few times over the past two years and have submitted police reports, identity theft reports and have spoken with each credit bureau. I even have an extended fraud alert on each bureau. I just pulled a copy of my credit report and it states I have a medical collection opened in XXXX 2017. This is NOT FACTUAL and needs to be removed as it is apparent identity theft. The credit bureau has not removed this account even after my dispute to them. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I need PNC to link to my XXXX XXXX XXXX Grant application and it is not working. They suggested I contact this agency to advocate that PNC link my account so I am eligible for grant money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: EQUIFAX, INC.
State: VA
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 writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: DC
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:
The credit bureaus have failed to address an account on my credit reported by XXXX XXXX which is not being reported accurately. My disputes of this concern have not been responded to. The account being reported by XXXX XXXX has reported 120 days late each month for over 9 months while reporting the last payment date of XX/XX/2020. The account was initially charged off in XX/XX/2020 but was reopened a few months later. If you review the past due amount it will clearly show that the amount is far past due. How could this be accurate? Unfortunately, the vehicle that I was financing blow a head gasket and is in need of a new engine, financially this has put me in a bad place. However, I expect the account to reported accurately. The creditor and the credit bureaus are in direct violation of the FCRA as it pertains to reporting information correctly and responding to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
PNC bank does not allow account to be linked to crucial online services. PNC bank users are unable to use online services that require your bank account to be linked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my identity was stolen and used to open several credit cards

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