BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-25
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened a BMO Harris Statement Savings account. They were offering a {$200.00} bonus for opening a new Statement Savings account between XX/XX/2019 and XX/XX/2019 with an initial deposit of {$10000.00} or more of funds not currently on deposit at BMO Harris Bank or its affiliates and then maintaining at least {$10000.00} in the account for 90 days. The promotion code XXXX   was automatically applied at the time the application was submitted online. I fulfilled all requirements on XX/XX/2019. Since I did not receive the {$200.00} bonus in the promised 120 days, I contacted them by phone on XX/XX/2019. The BMO Harris customer service representative initially stated the {$200.00} bonus will be credited at the same time the interest is paid to the savings account which should be at the end of XX/XX/2019 since the interest is paid quarterly. I explained her the bonus terms and conditions explicitly said the bonus will be paid approximately 120 days after opening as long as the account is open and in good standing. Then, the BMO Harris customer service representative reached the appropriate BMO Harris department to verify there were no issues with the bonus requirements. She called me back and told me the {$200.00} bonus should be already deposited by Friday, XX/XX/2019. Although this new date was 129 days after opening, I accepted to wait an extra 9 days. However, as of today, XX/XX/2019 I have not received the {$200.00} bonus.

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 2019-01-29
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Federal student loan 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 XXXX XXXX XXXX over a debt from 2010 and the calls have escalated to the point of harassment. On XX/XX/XXXX a representative from Coast called to inquire if I was home, she then informed me that there was someone on their way to my home to serve court lawsuit documents. There was an overt threat of litigation and possible arrest, later in the day, if I did not pay at that moment over the phone. 

The debt in question is for student loan funds which were disbursed for the full semester, while I only attended Spring 1 instead of Spring 1 and 2. The disputed funds are for Spring 2 session and the amount is {$1300.00} which I had negated in good faith to pay but the collection agency has assessed fictitious interest fees that have more than doubled the original amount and will not negotiate on. I am distressed the by inexplicable attempt to double my debt and I am even more distressed by the aggressive, illegal collection tactics of threatening me with arrest and court action. Please advise on the best course of action for this situation. 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 2021-03-30
Company: Experian Information Solutions Inc.
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:
Experian, XXXX, and XXXX are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

XXXX XXXX XXXX OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX  XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE

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 2021-03-30
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: Old information reappears or never goes away

Complaint:
same account number XXXX for XXXX is showing 2 different amounts with same account number with 2 different dates that was supposed to be deleted from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: FIRST NATIONAL BANK OF OMAHA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for a secured credit card with First National Bank of Omaha ( FNBO ) in XX/XX/XXXX. After verifying my identity, I was approved and opened the card with a {$1000.00} deposit in XX/XX/XXXX. I closed the account on XX/XX/XXXX, at which time there were credits on the card ( in the form of store purchases that were refunded ), totaling {$520.00}. Both in FNBO 's User Agreement and during the phone call on XX/XX/XXXX when I closed the account, I was informed that I would receive a refund of my secured deposit ( {$1000.00} ) and all remaining credits ( {$520.00} ) within 30 days. This has not happened. It's been over two months and I haven't received anything.

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 2018-04-17
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient received my signed physcians statement of XXXX XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt.

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income.

Navient still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-17
Company: CITYWORTH MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
this lender has been deceitful, they have been negligent, and have been very under handed and have lied several times to me. they do not answer phone calls and they do not answer questions they talk around you and never actually answer a question they do not know what they are doing and try to lay the blame on anyone else that they can. they keep asking for more and more for you to put out then they tell you that the closing costs are rolled into the loan but when it comes time to close they ask you for more money. .they blame the realty agents and never take responsibility for their wrong doing. Do Not use this company as one person said RUN RUN fast from this company and I believe that a troop of monkeys could do a better job. They don't close on time they lie and tell you that you can close in 15 days and now it has been almost 3 months and I am no closer to closing than I was 3 months ago .they are responsible for malfencence, complete in-competency and don't believe a word anyone there tells you. because trust me it will be a lie. I hope this keeps some people away from this company and saves them the heartbreak stress and the horrible miss handling that I have been put through CITYWORTH mortgage company in XXXX Virginia is a horrible company do not use them for even a loan to refi or anything you will be sorry

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30
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:
Please see the attached letter from XXXX XXXX confirming they have determined the account listed on my credit is indeed fradulent. I have also included the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Bread Financial Holdings, Inc.
State: CA
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:
This is in regards to my XXXX  XXXX credit card ending with last 4 number XXXX. On XX/XX/XXXX I did some purchases and the store offered me a new acct to get 10 % discount. So I opened this acct. My first payment of {$32.00} was due on XX/XX/XXXX. I sent out my payment on XX/XX/XXXX ( late ) and at the same time called XXXX ( customer services ) to ask for a one time late fee removal courtesy. The lady who answered the phone said will be glad to do so. I assumed that would be it. Since then I was out of town most of the time and back home to prepare for the XXXX XXXX XXXX this month ( XXXX ), checked on my mails and found out one late charge on top of another late charge which is now add up to over hundred dollars. The lady I spoke with never took care of my request in the first place otherwise it would never happened. I emailed XXXX XXXX and been returned with the advice that I have to contact XXXX XXXX. I called XXXX XXXX and explained but they insisted I have to pay all late charges to keep my account up to date. I feel so frustrated by this unethical practice. I need your help. Please give me your hand. Thank you very much. XXXX XX/XX/XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-10
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020 I took out a loan of XXXX. I was charged an APR of 775.35 % with a total finance charge of {$9900.00} and total of repayments being {$11000.00}. As an Ohio resident under Ohio lending laws I dont think you can charge an APR that high even with XXXX Agreement or consent for alternative interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I paid you, I relied upon the belief that you would do the honorable thing and remove your nasty and derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid collection which is a far worse rating in the eyes of any potential future creditors.

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law.

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part ( you, the collector ) must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice.

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely.

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 2022-08-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
As has been raised in a previous claim under number XXXX before that bureau, I have been the victim of identity theft and successive theft of funds in fraud that have not been attended by CHASE, despite multiple claims filed via secure message and phone contacts. After processing said claims and waiting for a response from CHASE, without having online access to my bank accounts that appear blocked for me after multiple reported fraud events. Today XX/XX/2022, I received an electronic communication from CHASE to my email registered with the bank, asking me about sending the amount of {$19000.00} to a beneficiary named : XXXX  XXXX XXXX, XXXX, which I never made. As indicated in the same message, the limit established by me for transactions of this type is {$100.00}. Said message shows that my bank accounts continue to be affected by the previously reported fraud, keeping me unable to access my accounts and communicate with CHASE because, before my identity was stolen by telephone, another person impersonating me seems to have a telephone code that I never requested. to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient makes the process to change your repayment plan online excessively complex and unclear. Navient forces you to take a questionnaire and then " recommended '' two repayment options. I know the option I want ( flat repayment ) and yet it was completely unavailable. The issue was resolved via calling into the company, but I believe this lack of clear online repayment options, especially the inability to select the lowest total cost option ( flat repayment ), unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX, XXXX, XXXX, XXXX  XXXX {$3600.00} XXXX XXXX {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Experian Information Solutions 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:
Some how my name and ssn number been compromised and it has affected my credit file and now reporting unknown and unauthorized accounts inwhich I'm demanding be removed immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX {$100.00} 2 ) XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}

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 explanation
Consumer complaint received 2019-01-30
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Netspend I got a netspend reloadable debit card for XXXX. During registration, I was forced to give them my social security to have access to my money. I was very apprehensive about giving them my private information. When I initially given the card as a gift, no where did it say I would have to give them my social security number. But I did it anyway because it's a lot of money. Two days after the registration, I receive a a replacement card with my name on it. My first name is completely misspelled. I can't get a hold on any human and the auto system doesn't fix my problem. So now I'm stuck with a card I can't use because my name is wrong on it and I can talk to anyone to fix it and they have my social security number.

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 2020-10-12
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 have sent in letters to the credit bureaus over the last 6 months with a police report attached and I have yet to have the items that were not mine removed from my credit. I have sent in proof of address ( My paycheck stubs ), and my license and social security card. I am at a loss at this point because someone stole my identity and I have yet to have the things removed. 

My letters were sent in on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Among several other letters that were sent prior to these. 

I have not even received a response from the 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 2020-05-10
Company: JPMORGAN CHASE & CO.
State: DE
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 always pay my bill online with auto payment. Some how chase is showing 30days late as I paid off my HELOC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXXI was informed by XXXX XXXX XXXX XXXX I was involved in a large data breach where my account and personal information were compromised. In XX/XX/XXXX I reviewed my credit report I noticed several fraudulent accounts I believe to be from this breach. I would like the incorrect documented information on my credit report removed immediately.Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: U.S. BANCORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
I tried to call them 22 times and they keep hang up on me .transaction date of XXXX XXXX XXXX XXXX is right, transaction date of XXXX XXXX of XXXX is right XXXX XXXX XXXX  of XXXX is wrong justanswer membershp XXXXis wrong. so it show that XXXX is do not XXXX that is to be taken out. They also list my card as stoning I cut that thing was cut up by me.ie us bank.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 including a bankruptcies. 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 vry incorrect. XXXX XXXX XXXX {$2100.00} XXXX XXXX   XXXX {$200.00} XXXX  XXXX {$2800.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX   XXXX $ XXXX XXXX XXXX {$100.00} XXXX XXXX {$2200.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$85.00}

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 explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX PROBLEM WITH BILLING CHARGES ON CREDIT CARD ACCOUNT ALSO XXXX XXXX HAS REPORTED THIS ACCOUNT AS NEGTIVE TO CREDIT BREAU EXSPERIAN WITHOUT DISPUTING OR FRAUDLENT INVESTIGATION THIS HAS BEEN REQUESTED BY CONSUMER

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 2019-01-29
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
RE : BANKRUPTCY ACCOUNTS NOT IDENTIFIED To Whom It May Concern : I received a copy of my credit report and the items listed below were included in a bankruptcy identified on my credit report. Please Remove the bankruptcy from my report and provide a copy of my court ordered bankruptcy. Please tell my how you are verifying this item belongs to me. 
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must updated to reflect discharge in bankruptcy. 
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at the address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Social Security # XXXX

Company response to consumer: Closed with explanation