BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: CA
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:
I have both a private loan and federal loans serviced thru Navient. In late May we sent in a payment to pay the balance in full for both the private and federal loans. The check was sent in one single payment and was only applied to the private loan leaving a negative balance on the private, while the federal shows as unpaid. Since XX/XX/XXXX, I have been in constant communication with Navient trying to resolve this issue. Several times they've stated they would correct the issue, but it never goes resolved. The payment is still showing on my private loan while negative balance while negative credit activity has been reported to all credit bureaus. I've spoken to supervisors on both the private and federal sections who both stated 1 ). the money will be transferred to my own checking account so that I can go and make the payment myself. 2 ). they will do an internal transfer from both account to take care of the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
State: FL
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:
I have complained submitting numerous disputes to Experian in regards to accounts that were deleted and now reappearing, The accounts are obsolete and should have been off of the account many years. Experian deleted a few months ago and now reappearing. A representative claimed they weren't ever removed, which is false as I attached a copy of the credit report to support that the accounts had been deleted, now reappering. I spoke to someone name XXXX XXXX XXXX who indicated that that the accounts were never deleted and claims they were verified which is a way to cover up them putting them back on my credit report. I received an alert from an outside organization that there was a change to my Experian credit file two months later and I was mortified to see that the old collection accounts had been placed back on my credit file. The alert by my bank is how I discovered the 16 accounts were reinserted on my credit and when I disputed, within a day I received an email stating the dispute was finalized and it is impossible to complete an accurate investigation for a dispute in a day or so. I do not know this creditor XXXX but this collection agency is falsifying opening dates/payment history because I have not had any accounts opened in over 10 years and they have an opening date of XX/XX/2016, The company falsified information saying the account was opened in XX/XX/2016. I am attaching the credit report to show the creditor was not on my credit file then it reappears. I have attached verification requests letters that have been submitted to Experian and disregarded.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I bought a XXXXXXXX XXXX financed thru XXXX XXXX XXXX XXXX Chase Bank . On XX/XX/XXXX that loan was payed off by XXXX and another car was purchased thru XXXX XXXX Chase. The old account should have ended on the XXXX and a new account should have started but, on the XXXX chase withdrawal {$470.00} as if I still owed them money. It is now XXXX th XXXX and the money is still not back in my account. Plus money is owed from coverage of the last car policy ending early that has not been payed. I live on a fixed income and need the money returned asap which I explained to several people. Why are banks allowed to hold money until they feel like refunding it and consumers are not. Any bank transaction that take place can be reversed but, they are holding my money without a reasonable explanation in my opinion. I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: DISCOVER BANK
State: GA
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:
The company reported to my personal report for a business account and also added inquiries for the business on my personal report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX, and transunion have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is 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 2016-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Despite my repeated requests to be removed from Capital One 's mailing list for credit card offers, I keep getting them in the mail. I have called, left messages, and talked to people with guarantees that I am off their list yet I keep getting them. I am already on the non-solicitation list with my credit report yet Capital One keeps mailing me offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
For over 2 years now we have been trying to do a short sale and we have run into a road block with the Jr. Lien at PNC bank XXXX After many conversations with PNC customer service department, I have been told that the asset manager that made the final decision on this file. PNC decision was insulting to say the least. Maybe they did not review the appraisal and payoff letters I sent you from the 1st mortgage lender XXXX XXXX. I have attached them hereto again for your review. Please note that the appraisal done by the 1st mortgage lender was a full interior appraisal XXXX value not a drive by like PNC Has done. Please note that there is over a XXXX discrepancy in the value from your PNC Drive by Vs. the 1st mortgage lender XXXX servicer. Also note that there are structural issues with the property. Also the Property has been listed for sale for over 2 years at XXXX with no offers. 
That discrepancy is too wide to be anywhere acceptable / credible. The only conclusion that can be derived is that PNC is being totally unrealistic in their evaluation. This can be considered acting bad faith in part by PNC to say the least. I call it malfeasants. 

The buyer was so distraught by your decision that he has directed me to help him negotiate directly with the first mortgage to buy the note and proceed with the foreclosure to remove PNC as the Jr Lien. That has already been put into motion. See attached letter to 1st Mortgage attorney. 

PNC has blown this approval and now very likely will receive no proceeds to settle this matter. You should reconsider to take no more than XXXX for this upside-down property and that's generous. 
However even this offer may be too late as Buyer has started the process with the 1st Mortgage lender to buy the note and continue the foreclosure.

Let me know ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!

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 2020-12-03
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am complaining about a XX/XX/2019 Citi Bank Promotion, that I infact followed there terms and never got paid. I specifically opened an account and transfered money out of my high interest money marketing account, just for this promotion as it sounded like a great deal. 1 year later and have yet to receive the money. Meanwhile im having to pay {$25.00} every month to keep my account open while i fight this matter. They are a complete fraud. Poor customer service. After making a report and them looking into this matter, they still sent me a letter telling me i didnt keep the required XXXX in there account for 60 days. My account had more than XXXX untouched for 5 months. 
The promotion was as follows : Citi Account Package {$400.00} Offer Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/2019 to XX/XX/2019. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
I did all of the following. There first excuse was i never deposited the XXXX in time, which was a lie, i opened my account over the phone with there representative who made some sort of error where they claimed my deposit bounced for insufficent funds. I have proof it shouldve never as i never had insufficient funds. They fixed that and assured me i still qualified for the promo. So i went thru with it. Now 1 year later they sending me a letter stating my account didnt qualify as i didnt maintain XXXX in my account for 60 days. Another bs lie, i have my statements to prove so. This whole ordeal trying to get the situation solved has been more trouble than anything. Had i known this is what i would have to deal with to get paid the {$400.00} promotion, i wouldve been better off keeping my money in my money market account earning interest. This is unacceptable. I feel they owe me {$400.00} plus the monthly charges they continue to take from me while having to keep my account open long enough for them to fix there scandless careless errors. Totally unfair and a fraud and i noticed i aint the only one with this problem as i noticed a woman had to take it to the channel XXXX news to get her money. Totally rediculous.

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 2023-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Errors on my credit reports about my name, address, and employer. 
A dispute letter was sent to resolve the issue but I haven't heard from Equifax at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase bank allows customers to signup for their credit monitoring service Chase Journey.

I tried canceling this service however their customer service agents dont understand what it is. I want Chase to stop monitoring my credit im no longer a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient has reported 39 late payments on my account I believe for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  only have one payment a month I disputed the error XXXX XXXX XXXX XXXX they say it's accurate that's false I called navient to let them no I was XXXX last year lost my apartment due to a surgey which put me out of work there for I couldn't pay I never received any income driven repayment plan and the only way of contact I had was email from access at public library which they say they sent to an email that been deactivated since college. Also I requested copy of master promissory note and told them I do not give them permission to share my private information with private entities such as the credit bureaus which our in the business only to collect and sell private information. There mess up dropped my credit score by XXXX points. Stopped me from being able to do anything I wanted to do. Can't buy a home a car can't even get a secured credit card from my bank to build my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have tried to close my account several times with Wells Fargo and have requested so in writing. The account has been overdrawn a few times due to reoccurring charges that I have no control over. They have told me that once I bring the account current that they will close. Well I have brought it current several times and they have refused to close until I request again, which I have done and they gave ignored my request all while hitting me with various fees for low balance, overdrawn accounts, and a monthly fee for an account I've asked them to close. 

They have consistently tried to gouge me for fees and that's why I've moved my banking elsewhere. They are trying to make me jump through so many hoops to close the account its absurd. I explained to them that I had moved my banking elsewhere and no longer lived near a WF so it wasn't easy for me to transfer money or go in branch. They have left me on hold for half an hour multiple times, transferred me to numerous people to waste my time and have ultimately ignored my several written request to close the account, all the while charging me fees for low balance, overdraft for reoccurring charges that I cant control, and for account maintenance that are all a result of me moving my banking elsewhere. 

This is the exact unscrupulous fee-generating activity that this bank has been accused of and have been found to have committed in the past. I won't allow myself to be a silent victim. Wells Fargo has been a nightmare to work with and I have never felt comfortable that my money was safe, that the bank had my best interest at heart, and that they could be trusted. It was the only major bank around when I first moved and I quickly learned that convenience isn't always the criteria that you should look for in a bank. 

I do have correspondence to prove everything I'm saying but like a company that values transparency, Wells Fargo doesn't allow you to download your secure message with them. My question is what are they trying to hide, other than the obvious?

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 2023-11-23
Company: Experian Information Solutions Inc.
State: SC
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/XXXX {$4000.00} Payment Sent XX/XX/XXXX Shown on the statement XX/XX/XXXX Check cashed and stamped by XXXX XXXX XXXX XX/XX/XXXX Payment reversed, XXXX to apply no details why, bank of check confirmed funds were cashed XX/XX/XXXX {$4000.00} reapplied and an email was sent apologizing for their admin error Multiple calls confirming that the payment would be backdated since funds were NOT late, it was a result of the banking institution, and that the late payment of 60 days in XXXX would be removed. 

My payment was reported 60 days late in XXXX of XXXX. In XX/XX/XXXX on the phone I was told this late payment would be removed because it was XXXX 's mistake. It has yet to be fixed. These late payments are not accurate. The original XXXX payment was not backdated. They just reflected it as a new payment in XXXX. Their error has drastically affected my credit where I've never had a 30 late payment. 

My funds were held hostage, my calls and investigations with them go nowhere. 

XXXX of XXXX there were fraudulent charges that were disputed. My payment for XX/XX/XXXX did not post till XX/XX/XXXX. They reported that 60 days late despite it being 1 day late. My statement shows 3 payments within 60 days of XXXX. Their reporting is inaccurate. I have been going back and forth with them for over a year having to start over every time I call and not receiving any callbacks. 

Their customer service has not helped at all. 
Proof attached : check with time and date of being cashed by XXXX XXXX, gmail with their apology, statements reflecting errors & showing all payments, proof of check being sent via USPS.

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 2021-09-03
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted the National Credit XXXX XXXX today XX/XX/XXXX and spoke to XXXX guy. The person was trying to intimate me by being hostile and rude to provide my information on the phone. I let them know its not me & they were on my credit report. 

I have never received nothing from their company in the mail ( wrong address provided by him ) about this matter & i told them to take it off my credit report. 

They have the wrong person. 
There is another person with same name as me who lives in XXXX XXXX. 
He refused to do anything about the matter and said to file a police report. 

I have filed a dispute with XXXX  credit report on this matter. 

I never had a credit card from a XXXX credit card company and the error made a last payment back in XXXX. 

Wrong person & put on my credit report as Collection case. 
I never opened a XXXX credit card XX/XX/XXXX and someone made payments on this card recently! 

This is a 2nd credit card company trying to ruin my credit ( other one taken off me ), who has done this to me. Really! I will sue them if I have too!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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