BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2019 there was an available balance on my Bank of America EDD debit card that substantially exceeded the the purchase amount and was declined 3 times in a XXXX store for the amount of {$50.00}. 
This has happened a couple of other times when I tried using it at a XXXX XXXX. I have no faith that my money will be available when needed. 
After 3 different attempts to get BofA on the phone, once I waited over 2 hours after talking to an agent at BofA and I had to give up and try at another time, once I was disconnected by a BofA agent, it took about 40 minutes and being transferred to three different people, I was able to transfer the balance available as well as establish a reoccurring balance transfer. I was informed that it will take 2 business days, today being Thursday, I will have the money available in my account on Monday. 
The reason I am complaining is this is money that I have paid into the system my entire working career of 47 years. Im not asking for something that I am not entitled to. It shouldnt be this complicated to get my money. When people are ill, they need things to be easy not difficult.

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 2020-10-13
Company: JPMORGAN CHASE & CO.
State: IL
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 rewards from credit card

Complaint:
On the XXXX XX/XX/2020, I booked a return flight for my Aunt going from XXXX  to XXXX. This flight was booked using my chase XXXX reward points. However, the flight booked was cancelled by XXXX XXXX. As such, I called XXXX XXXX to get a full refund, as per the DOT regulations and while XXXX XXXX promised to refund the flight they never did. On XX/XX/2020, I submitted a complaint to DOT explaining how I was not given a full refund as I'm legally entitled to. As such, such DOT replied back to me explaining that they contact Chase Travel and XXXX XXXX, in regards to this and requested them to issue a full refund. On XXXX XX/XX/2020, XXXX XXXX, contacted me stating they were looking into the issue and would get back to me. On XXXX XX/XX/2020, XXXX XXXX, replied back stating that they had system issues that resulted in them delaying the refund on their side. As such, they requested that I initiate a credit card dispute to retrieve the original cost of the flight. As the flight was booked using chase points, this was not something I could proceed with, however, this would be something that Chase Travel could resolve. I contacted chase travel multiple times via email, with the last email sent on XX/XX/XXXX and I never received any response. During this time I called Chase Travel Center to get in contact with a supervisor in order to get authorization to proceed with the chargeback. Over a 3 month period, I called Chase Travel Center four times and each time, I was told that there was no supervisor available and that I would need wait approx. 72 hours for a a call back. However, each time I never received a callback and I'm stuck in the same place as I was since XXXX. Each of these phone calls were recorded and I contacted Chase Travel Center once via Chat, to get this resolved ; again being promised a call back from a supervisor, which never happened. I have all the email history from DOT, XXXX XXXX & Chase XXXX XXXX XXXX with no replies XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave XXXX, Equifax or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2021 at XXXX XXXX  I was denied the right to speak with a manager about my personal consumer report by Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have had a dispute with Cavalry with a debt with XXXX since 2019. I had spoken to the company on several occasions and notified them I wanted to make a payment plan. I did so and the arrangement was to pay {$200.00} a month. I had direct deposit from my account with XXXX XXXX. I notified the bank and approved having that money withdrawn from my account on a monthly bases. Cavarly proceeded to do so but they did not approve it on their end for which I called multiple times and they kept referring me back to my bank where the problem was not on. This continued for months and every time I spoke to one of their representatives and asked for another way to make the payment I was told on every occasion that withdrawals for the bank was the only way could pay the debt. They told me on numerous times they would not accept any payment over the phone, money orders or checks sent to them by mail. I never once have denied payment to these debt collectors and tried on several occasions to make it work. To this day I am not refusing to make any payments but they have continued to send letters threatening sue and that I need to present myself to court if I deny payment which is not the case and never has been. They are the ones who have refused to cooperate with me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I exchanged messages on the purpose of buying 2 concert tickets. After all the negotiations, I sent this person half the money - {$200.00} - using Zelle and asked him to transfer the tickets to my XXXX account but it turned out that this person is a scammer and turned off the phone and stopped responding after receiving half the money. I have contacted both Zelle and my bank ( XXXX ) to see if there is any way to stop the transaction or to revert the transaction but apparently this medium of paying someone does not have any fraud protection so is a perfect medium for fraudster. Let me know how I can help provide more info so that this person stops frauding others and Zelle and others can fix this broken payment system. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This complaint is about the disclosures and business practices of Care Credit. I was attempting to set up an account with them to provide their services to my patients. I discontinued that application when the company began checking my personal credit and wishing to have an inspection of my office facilities. 

First, it is not appropriate to investigate my personal credit, as our company is incorporated. This implies that I am signing a personal guarantee, and if that is true, that fact was not disclosed to me. 

Second, there is no justification for a bank to inspect our property. This was not disclosed in any of the documentation 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 2023-06-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loans were with XXXX my interest rate was very low All of a sudden my loan was taking over my navient which I never authorized. Now am stuck with them and about a year my loan is 10k more then I owed. Monthly payment is so highly I have to defferred every year or I will be sent to the credit bureau. I want to know can navient take over a student loan without the student signed consent?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Experian Information Solutions Inc.
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian Credit Monitoring ( formerly XXXX XXXX XXXX.XXXX ) I have been trying to cancel my account for over a year. I can not get through to them and they keep charging my credit card XXXX per month. They are supposed to be a credit monitoring company that helps people. No the 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 monetary relief
Consumer complaint received 2019-09-05
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: Information belongs to someone else

Complaint:
XXXX, XXXX AND EXPERIAN HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - 2028 XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs : XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : MXXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT 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 explanation
Consumer complaint received 2021-07-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I recently submitted paperwork verifying my employment at a nonprofit organization to FedLoan after being moved to them upon request for PSLF. My initial verification for my previous non-profit job only shows 4 months of confirmed employment, but I was employed with this organization for 10 months and then moved to another nonprofit. My applications show this to be the case, but every time I contact their customer service ( through email, online chat, and calling ) I get a different answer on how to solve the problem, from submitting a new application to the wrong person signed it to the phone number missing from the application ( it wasn't ). I resubmitted the application, and now I am told it can not be digitally signed even though there is no digital signature for the application. I am at my wits end and have received no help that will actually solve the issue of the missing months of service with this organization. No wonder so many people don't get the right information about PSLF since its probably the most complicated system to verify regularly. I have to submit my tax information to be approved for IBR and PSLF, and it's the same EIN for the same employers on both my taxes and loans, so why does this have to be so complicated?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Best Buy was notified of a charge of {$7200.00} that was not to be on the card. In addition they had had charges from XXXX that should have been placed under contest and now credited as the company has admitted that they have been issued for refund. The credit card shows that have not valid and have t=saye not taken action for over 10 days. I get a call from a number in Florida that doesn't appear to be Citibank. I call back to get this resolved and still no results. The Best Buy Card has not resolved the charge amount provided provisional credit but rather leave the large charge against my credit report. The company has said it would be handled and not show and my credit would be available. Well it is not and it continues to be an open issue. The customer service is the worst as they hang up and do not follow through with their promises. I have spent over 3 hours on the phone and the charges from XXXX remain even though all of the items are returned and should show a refund and the XXXX charge does as well. They now are changing their position to get this resolved stating that this can take up to 45 days! This absolutely ridiculous if it is a charge that is fraudulent as it didn't go through and not mine. I find their business practices to be absurd and

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 2021-02-21
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good Evening sir am XXXX XXXX sir  XXXX money transfer to PayPal transfer company sir 08 month back Transfer to mony paypal account transfer to money But My account Not transfer to money My Bank deatials and personal information and address proof complete Government proof. sir Every month transaction statement comeing sir But money No transfer. PayPal transfer company No information.No response sir. Please request helping sir Thank you sir

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a Victim of identity Theft. I did Not give any Consent to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
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: Account information incorrect

Complaint:
I got a 5 year auto loan with XXXX. I NEVER HAD A LATE PAYMENT AND PAID MY LOAN OFF EARLY. THERE is a false claim of being 30 days delinquent on my account and no one is trying to remove this slander. The XXXX to be a trend with XXXX   having bogus things in our credit report that doesn't get removed. Definitely seems to be systemic. XXXX as well as ignorant people would claim it has to do with paying bills well if you can read. I paid vehicle off early ... and somehow was 30 days delinquent. Sounds like opppression or unfair treatment too me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: FC HoldCo LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have contact Flagship Credit Acceptance numerous times over the past two year trying to get them to remove their account off of all three credit bureau 's. My car was totaled during hurricane IRMA and insurance paid them over {$9000.00}, leaving a balance around {$5000.00}. After insurance payment, I talked with someone after I made another payment of {$310.00} and they talked me into paying another {$2100.00} leaving me a balance of {$2600.00}. They told be they would write this off and I would be in good standings with them. They did not tell me that this would cause a negative remark on all the credit bureau 's. If I would have know this I would have continued to make my monthly payments until it was paid in full. They even sent me a refund check on XX/XX/2019 for {$16.00} for some reason.

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 2018-09-18
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was a medical bill for daughters XXXX XXXX I had to fight with insurance company to get the money which was put into collections. This was paid and still it shows XX/XX/XXXX it was not. I have letter stating it will not be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: SC
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:
Unauthorized use of credit report. Sent letters to dispute items to bureaus on XX/XX/2021 and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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:
They have not addressed the complaint. There IS A SYSTEM GLITCH. Your company has confirmed there is no negative items on my report so WHY IS YOUR WEBSITE/PORTAL REFLECTING NEGATIVE INFORMATION. Actually do investigation and fix the issue rather than give a generic response. Refer to 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 2019-09-05
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.C SYSTEMS HAS AN ACCOUNT ACCOUNT ON MY CREDIT REPORT THAT IS 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 2020-10-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I own a XXXX XXXX XXXX with a community capital With only {$250.00} charge community capital has fraudulently charge me fees in a very ingenious way this is one another gotcha company that is making life miserable for people and adding do already dense environment around us according to care xact every creator was overlooking the credit payment late fee but this company is holding me whole stage for my credit report to pay for various kind of fece 1st I bought something on a 6 month nor interest never got a letter from them finally found out they had a wrong address after 6 months the balloon charged me int'rest the take advantage of 3 hour difference between Eastern standard time and Pacific standard 9   if it is XX/XX/XXXX XXXX XXXX in California it is  XXXX XXXX in Eastern San the time and I'm late on my payment that's how they charge late fee and I have tons of them then when I give them my checking account information to make a payment only them and only this bank comes out as your account is non transactional while the same account is being used by other companies to get their payment why do they do this so that I called the customer service representative and make a payment using a debit card through him and they charge me {$9.00} as a customer representative beam in fee please help me otherwise I am stuck in this predatory loan company and menu contact the customer service they're very rudely say they're sorry pandemic or no pandemic we are not going to live

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX  and XXXX  because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.

Company response to consumer: Closed with explanation