BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents.

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 2021-04-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX issues with Navy Federal Credit Union : 1. I applied for a used vehicle loan for a motorcycle. I was told that within 30 days, the same credit report could be used for a used vehicle loan for a car instead. I am not being told that they can pull a new credit report although unlikely, and I have to agree to let them pull a new one. I can not see if they will use the old one first. They are forcing me to authorize another hard credit check when it will not be needed. 

2. I asked for a copy of the report used to determine my credit score with Navy Federal CU. They are refusing to provide me the report and instead are telling me to contact XXXX  for a report. I am asking for their report to determine if there are items on that report that are in conflict with XXXX, as XXXX XXXX score is significantly higher than NFCU 's score. 

These conversations are recording and verified recording by the manager I spoke with at XXXX on XXXX XX/XX/2021 I have been a member of this bank for XXXX  years and I have never been treated so poorly and coldly in my life. I am seriously debating terminating my business with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/21 Mrs. XXXX XXXX called my personal phone and stated that she will no longer accept large deposits. However, when I asked her to send me what she stated in writing and to show me where in the policy is that it says that I can only deposit money a certain way or withdraw it a certain way she has yet to provide me with anything in writing. I personally feel targeted and discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for a credit card that had some attractive premiums including a {$250.00} cash reward for spending {$1000.00} within 90 days. 
I did this through XXXX on line and was accepted for the card. The card was received and I charged XXXX. They also charged {$95.00} for a fee, which I knew about. None of the other cards I have charge fees, but I figured the cash reward would more than compensate me. 
I received my bill and called a very polite lady ( XXXX ) and asked how I would get my {$250.00} and was told that I was not eligible for a rebate. She said it was on the web site when I signed up for the card. 
This is not true. It COULD be in the multiple lines of verbage that is on all applications. I am a pretty good reader. 
I now have a bill for a card that I do not want to use. I prefer to deal with people who are more specific and easy to work with. 
The bill is due on XX/XX/XXXX. I have never paid any interest on a card and have not had a consumer loan since 1974. I need this clarified

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Advanced Resolution Services Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was advised that when applying for a XXXX XXXX credit card product, a business, " ARS, '' would produce a report that would be used in determining my qualification for an extension of credit. Using the Internet search engines XXXX and XXXX I 've been able to find suggestions that the full business name is " Advanced Resolution Services , Inc. '' operating within the state of Ohio, and I 've seen suggestions that this is a subsidiary of the XXXX card-processing company. I looked up that business name with the Ohio Secretary of State and can not find a lawful business record of incorporation with that state. I 'm unable to find any additional contact information for this business. Other individuals have suggested that the business deliberately avoids consumer contact to mitigate their regulatory burden -- that is, they make it intentionally difficult for consumers to request a copy of their credit report to avoid the costs of such creations. There is no website for this company, and I ca n't find any way of contacting them by phone to request a copy of my report or information on how to do so. As a consumer, I feel this is unethical, unfair, and possibly in violation of American consumer financial protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: CITIBANK, N.A.
State: TX
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:
I had two accounts with Citi bank, one was as double cash credit card and the other was a Sears credit card, I had been saving my cash back for a special occasion and had accumulated {$1400.00} in cash back rewards ( last statement attached ), on the Sears card I was also saving my points and had accumulated XXXX Citi thank you points ( last statement attached ) which are equivalent to a {$740.00} gift card. Out of nowhere Citi decided to close my accounts and they refused to give me my {$1400.00} cash back nor my XXXX Citi thank you points stating that when an account closes I forfeit any cash back and points. I have the card agreement for Citi and there is no forfeiture of rewards disclosure ( agreement attached ). Secondly, the card agreement states Citi may cancel my accounts for no reason or any reason, I asked for a formal reason from Citi as to why the accounts were closed and they did not state it was for no reason which I understand does fall under the card agreement parameters, instead they stated the cancellation for both accounts was simply due to me paying my balance via money order ( cancellation reason attached ) which is in violation of my rights as a consumer. All in all I belive its an unfair business practice for Citi to garnish a total of {$2100.00} in rewards that rightfully belong to me. I have reached out to them and offered to submit any documentation they desired in order for me to keep my accounts opened or in order for me to receive my earned rewards but they declined.

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 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( Transunion, XXXX  and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 Transunion and XXXX   both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.

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 2018-06-29
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in the PSLF program since 2010. It took 9 months for them to process my application. Since then they have put my loan payments on hold numerous times sometimes for 6 months at a time while they " review '' different aspects. 

For more than two years I have been trying to get an accurate assessment of how far along I am in the program despite that they have held my loan payments every change they get. After losing my employment verification forms many times they received them and said I had made over XXXX patients. Then without telling me they changed and said I only made XXXX XXXX payments. 

I only saw this in reviewing my loans, Now for over a year I have been fighting this and they have not given me an accurate assessment of my loan payments and they have tried to limit this every chance they get. 

I tried to resolve this with them and the BBB with no appropriate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was redeeming rewards points on my Barclay Card Mastercard account.I was given the option to choose from several products & choose XXXX XXXX XXXX XXXX XXXX. When I placed my order I was charged a {$4.00} S & H fee for each item which I gave my card number and placed the order. I did not  order any other products, or agree to any future charges or shipments. When I received another shipment of products on XX/XX/XXXX I looked at my card account and found that my card had been charged {$85.00} on XX/XX/XXXX and XX/XX/XXXX ; as well as {$110.00} on XX/XX/XXXX and XX/XX/XXXX. I called Barclay Card and requested to dispute these charges, I was told that I needed to contact XXXX XXXX XXXX directly. When I spoke to XXXX at XXXX XXXX and explained that I did not want any of the products and that I would be returning fr a full refund, I was told that it was too late and that I had agreed to receive all products when I ordered my first product. I did not sign any agreement to receive these products and my card has been charged {$410.00} plus interest, which I am unable to pay due to my limited income and my XXXX spouse. I have returned all products to XXXX. Can you please assist with this issue. I have also logged and dispute on both companies website and received no response.

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 2020-01-30
Company: JPMORGAN CHASE & CO.
State: FL
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:
Good evening, When looking over my expenses to file my XXXX taxes. I noticed amounts on my account from XX/XX/XXXX, that were not returned to me nor did I charge to my card. 

There are a total of 5 transactions from XXXX on this day. Out of the 5 I only did 2 of the transactions. The two that are correct are {$100.00} and {$6.00}. The 3 transactions that I did not do and tried to dispute with XXXX and Chase are {$90.00}, {$48.00} and another for {$48.00}. 

I called XXXX on XX/XX/XXXX to dispute the charges and submitted all information and evidence to support the disputes via email. After a week I followed up with them and they told me there is no other transactions that they see other than the 2 transactions of {$100.00} and {$6.00}. They told me I have to dispute charges with my bank. 

I called Chase on XX/XX/XXXX to dispute the charges of the {$90.00}, {$48.00} and {$48.00}. They told me because the charge is past 60 days there is nothing they can do and to reach out to XXXX for them to credit back to my account and thatI should have payed attention to my statements that I don't get in the mail or sent to me might I add. 

So again, I called XXXX spoke to a supervisor on XX/XX/XXXX XXXX Who said under that store that day ( XX/XX/XXXX ) under my card number and under my transaction history they have no record of the additional 3 transactions. They sent me emails of the receipts that are accurate of the transactions that are correct and a email from the supervisor reassuring that there are no other charges on their side. They told me I would have to contact Chase back. 

Today XX/XX/XXXX. I called Chase and spoke to a supervisor by XXXX who refused to do anything even with all the evidence I have to support that XXXX has no charges on their end and even though XXXX is not fighting these charges that I did not make because again they can't open a dispute past 60 days. Even though the dispute is with the bank holding the funds instead of crediting it back, they still refused. So I told them I would file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: Associated Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Southwest Credit Systems, L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( XXXX ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt, 15usc 1692 ( f ) unfair practices, 15usc 6801 the company violated my personal information. All of these violations negatively affected my consumer reports as well as my well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PMAB LLC has reported two medical bills on my credit report. Not only are they erroneous, but also I did not receive a notice of my right to dispute before they were added to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am trying to get a payoff, and I can not get in touch with a person. 90 minute wait times which are not realistic. I can not access this electronically because BOA has refused to acknowledge that I am the persona representative of the estate.

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 2017-08-01
Company: Experian Information Solutions Inc.
State: NE
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:
Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

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 2020-05-12
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My husbands payment to XXXX was late in XX/XX/XXXX. We set up a payment arrangement to keep the account current which was 5 consecutive payments that would be the regular payment and the late payment in installments. The arrangement was to be due and paid the 1st of each month. All five were made on time. They reported each month as late. I inquired and the rep told me I should have made the payment a day earlier for it to not be considered and reported as late. I informed them that I was NOT given this option when my husband and I set up the arrangment. They continue to report XXXX XXXX XX/XX/XXXX as late and it is the sole item on my report keeping me from qualifying for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
PCR INC. a debt collection agency is repeatly calling and harassing me after i told them to stop calling me. They have been calling me at least 4 times a day and after XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSWORLD SYSTEMS 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:
On XX/XX/XXXX, I went to the XXXX XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. in XXXX XXXX. The nurse on duty thought I was a XXXX patient and forced me to go to the emergency department which was a misleading and wrong judgment. 

I went to the XXXX XXXX and the doctor on duty in the XXXX Department wants to XXXX for XXXX XXXX on my back to prove their Wrong Assumption. I denied because both my wife and I were educated in XXXX XXXX when we were young. 

I pointed to the Doctor that my body XXXX and XXXX XXXX numbers are both normal, the chance that I have XXXX is very low. I dont want have the side effects of XXXX XXXX operation. He agreed and dropped that procedure. 

According to the last XXXX  who checked and talked with me before I was discharged from the Emergency Room, my problem was caused by XXXX in my XXXX XXXX, and it is XXXX. 

I stayed there for less than 24 hours and refused to be transferred to the normal patients room for extra stays. There are no medicine were used and no IV for liquid or medicine. 

I dont know how the hospital could bill the insurance company for {$55000.00}. ( Both the insurance company and I asked for the medical reports for all of the listed test/examination. Besides a few basic one, none of the listed charges have provide us evidence/reports. ) I have contacted TransWorld Sys Inc/XXXX for more than 3 times ( a collection company who purchased my data from XXXX and want me to pay the {$460.00} denied by my insurance company ) and Disputed with XXXX and provided evidence to support my requirements. 


I have dig into my medical records in the past two months and collected all evidence to prove that I am not responsible for the {$460.00} Transworld try to collect on behalf of XXXX XXXX XXXX XXXX ( Part of XXXX XXXX XXXX XXXX ). 

Attached please find the copies provided by XXXX XXXX XXXX XXXX. ( Patient Name : XXXX XXXX XXXX, Subscriber ID : XXXX, Claim Number XXXX. The claim was received on XXXX and processed in 30 day ( s ). Patient Responsibility : {$100.00}. Amount XXXX XXXX Paid : {$9500.00}. Network savings : {$46000.00}, Amount Billed by Provider : {$55000.00}. Please see all of the columns that under Patient Responsibility : Besides the {$100.00} Co-payment I have already paid, the rest of my payments are all XXXX. 


I have maintained a very good credit history in my life and wont let this ruin my credit score. 

Please go through the attached documents and help me to resolve this issue. 

Thank you very much! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation