BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-14
Company: AMERICAN EXPRESS COMPANY
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:
Hello, I recently opened an Amex Blue Preferred cash back card, which offers cash back on a percentage of cash purchases. I have, however, received at least three different explanations regarding when I will be able to see whether certain purchases are eligible for cash back rewards. As is typical with cash-back cards, credit card companies will offer cash back only when merchants code the purchases in a particular way. Some merchants are affiliates, vendors, or licensees who do not code purchases as consumers might expect, the result being that no points/cash is awarded the buyer. Because of the ambiguity, I have diligently monitored my Amex account to see whether my purchases will earn the proper rewards. I can not, however, see whether the cash back will be earned as I expect. I have spoken to several Amex phone agents and received different explanations as to how/when I will earn my rewards and when I might see them. I spent an hour on the phone speaking with Amex agents/management, explaining my concerns and expressing my disbelief that under the circumstances they are nonetheless demanding I pay a {$95.00} annual fee. While I am ordinarily not averse to paying such a fee, I am averse to paying a fee for a card I may not want to keep. The only way I will keep the card is if it is worth it to me, in terms of cash back earned. Because I can not know the amount of cash back earned until I actually PAY my first statement, I may be stuck paying an annual fee for a card that is of no real use to me personally. Today, I spoke with an agent ( XXXX ), a supervisor ( XXXX ), and a manager ( XXXX # XXXX ). None of them seemed to adequately consider my position ; that is, that I dont want to pay an annual fee for a credit card that does not benefit me. Yet, they all told me that the annual fee can not be waived. XXXX did agree to look into it, but I have little confidence that will happen. In short, it seems Amex expects consumers will pay an annual fee BEFORE they know whether the card benefits them in the way the average consumer might expect -- rewards on purchases. Amexs practice appears like a BAIT AND SWITCH, and I hope you will help me resolve this matter. 
Thank you very much. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection 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 2021-11-03
Company: ZIONS BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of my Mortgage on my home and the Bank ( California Bank and Trust ) and the underwriter constantly are delaying the process.. I provided them with all the paperwork necessary when requested on time and they agreed on the rate and locked it in but they still continue to delay my process and say that my paperwork has expired because they were holding it for so long..I already had my home appraised by their appraiser and I feel like they are prejudice against me because I am of XXXX decent.

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 2021-08-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
the accounts were closed 3 years again and they are reporting it as if it is new

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Sir or Madam ; This is a letter that I am writing to several parties as a means to bring clarity to my situation as well as dispute and resolve this. I have been making attempts since XXXX when this matter was first brought to my attention. 

I am erroneously being held responsible for student loans with Higher Education that I never initiated. When I went to XXXX XXXX XXXX in New York in XXXX I signed for student loans with XXXX XXXX. I started repayment approximately XXXX after graduation and fulltime employment with XXXX. I made monthly electronic payments of {$500.00} to approximately XXXX. I received a letter of satisfaction. I have settled this debt in full. 

Electronic payments were made through XXXX. When I contacted them to request proof of payments, they advised me that they are unable to investigate anything beyond 10 years. 

During a move from XXXX XXXX in XXXX, New York to XXXX XXXX, New York the bag with papers and other personal effects were lost. In this bag contained the pertinent letter ( amongst many other important items ) necessary to provide to show this debt has been paid. 

When I contacted XXXX XXXX directly ( customer service representative XXXX, employee number XXXX ) advised they do not have any records whatsoever for me. I was then referred to Naviant and spoke with XXXX. Naviant researched their records/files, including their archives. The only documentation they have is for a loan disbursed in XXXX that has been paid ( loan number XXXX ). 

I was referred to Naviant because all XXXX XXXX records were forwarded to them. Which brings me to the most perplexing matter ; If my loans were with XXXX XXXX, paid off with XXXX XXXX in XXXX, and all records transferred to Naviant and they have no record of an outstanding debt then how did Higher Education, XXXX XXXX, and XXXX XXXX become a matter of concern? 

I asked for validation and verification. I was sent a typed document with mark XXXX integrity token in the signature line. I was not sent my original documents as stated is required. How is it possible for me to be responsible for these monies? This is unfair and simply criminal. This debt is not mine. Please, please help me. My entire life is a stand still for matters that are not mine. 

This should be removed from my credit report and my name cleared. Please reach out to me with any questions. This is not my loan and other wise has yet to be shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Account opened in fraud-while waiting for a resolution on Consumer Financial Protection Bureau case number XXXX opened on XX/XX/2018 on XXXX ' Store Account Card ending in XXXX I have made the discovery the store account was not closed properly for my protection. The fraudulent balance remaining on this card was XXXX 

Instead another account ending in XXXX has been opened fraudulently. I do not have a card for this account and I have not been using the store account to make purchases. 

The credit limit on my store account is XXXX. 

I called XXXX Fraud Division and opened yet another claim with XXXX Badge Number XXXX who stated all charges will be reversed however the store account was opened so I could use it. I replied " Why would I want to use a store account which has a corrupted balance ( charges which are not mine )? '' I'm appalled. The new balance is XXXX which consists of charges which are 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 monetary relief
Consumer complaint received 2017-08-03
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX XXXX, XXXX To : Consumer Financial Protection Bureau Subject : Complaint against loan servicer Navient Solutions LLC XXXX XXXX XXXX, XXXX, PA XXXX Dear CFPB, I initially submitted this complaint, and the response was that the location was inaccurate. This was a correct assessment, as I provided the address for XXXX XXXX against the Navient name. This will be a resubmission of this complaint based on the service address listed in the subject line and as noted in the screenshot on page 5. I would like to formally resubmit this complaint against Navient regarding a student loan which I believe I should not be paying XXXX Signature Loan. I made a simple request to Navient to provide ALL documentation of this XXXX Signature Loan and I want all of it from the time of inception to now. They have repeatedly ignored my requests even after multiple times of contacting them through my secureonline account that I was requesting to have the documented email trail. I want Navient to provide proof that they have the paper trail for this loan and can support the numbers as to why it doubled from an originating value of {$15000.00}. If Navient can not provide definitive evidence of this loan, then discharge this note and remove it from my account. If Navient bought this note from XXXX XXXX, then Navient should have also inherited the history. Provide that history and tell me why it has inflated from $ XXXX to {$30.00} at 6.25 % and on top of that additional notes that equate to $ XXXX. My complaint is that I do not think I should be paying any further on this XXXX Signature Loan. At the time, my name was XXXX XXXX XXXX. Ive since remarried, and my new last name is XXXX. In the subsequent pages, I will detail why I believe I should no longer be paying on this note. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: JPMORGAN CHASE & CO.
State: NV
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:
I have a two Chase Accounts. One the payment is due on or before the XXXX of the month and is paid by me on the XXXX of each month and there is no problem. However the other Chace account is due on the the XXXX of each month. I pay this one on the XXXX of each month as well ( early ) The Chace account that is due on the XXXX charge a late fee if you pay early. Most credit cards if you call them and let them know that you were not late and it is in the companies error, they will credit your account the late fee as you are on the phone talking. Chase does not do this. Chase wants your late fee first and then credit you later. I believe this is totally wrong as a consumer and it is penalizing the consumer that pays early or on time. This has happened twice so far the most recent today on XXXX XXXX, 2017. the last one was XXXX XXXX 2017 I believe. We have talked to a representative and they will not credit the late fee of XXXX. I would like this looked into for others that are having the same problem, Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was under the impression that the government was wiping out all loans from XXXX XXXX as they closed a few years ago. I've ready many articles on a bill that was passed last month that forgives the debt 100 %. I spoke to navient who still demanded a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
To whom it may concern : What happened was, an ex boyfriend of mine stole a checkbook of mine ( who owns his own business, has kids is a XXXX XXXX and what I thought not a bad guy ) and wrote 7 checks with a total of {$10000.00}. I filed a police report. The bank verified it was not my signature on any of the check and even verified the Business Account he wrote the checks under " XXXX XXXX XXXX. '' They verified where the checks were deposited. 

Chase then blamed me for not " exercising extraordinary care of protecting my checkbook '' and have denied all claims. 

I have banked with Chase bank since 1994. 

You would think the police report, the printed checks, and all the other evidence they had would be enough. 

Now I have an official letter stating they are denying thing claim. 

I need your help. 

You may contact me anytime on my cell phone XXXX. 

Thank you so much for any help you can offer!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
Transunion has failed to updated my XXXX wireless account. Month after Month they continue to mark my account as " settlement '', not paid in full and FP  ( failure to pay ). This is, despite being directly notified by XXXX themselves. Please see the attached letter from XXXX. 

I find it mind boggling that as a working person I would need to go to this extreme level in order to get information corrected on my credit report. It isn't the first time with Transunion. What will it take for them to change their ways?

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 2018-02-03
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX-I attempted to place a credit freeze on my XXXX account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

Equifax-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Experian Information Solutions 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:
My XXXX and Experian accounts currently contain false reports of inquiries on my credit report that is hurting my score and and hurting my opportunity to acquire more credit.

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 2020-10-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have purchased a experian membership. Experian has been reporting information on my credit report incorrectly. I have attempted several times to resolve the matter over the past 45 days and they have done nothing about it. There reporting on the credit score is incorrect and other accounts that they offer in their boost feature. I have attempted to communicate with the agents who hang the phone up on me several times. Experian is falsely advertising products that they are manipulating people 's credit scores to their own gain. There scoring is off by 30 to 40 points compared to the other agencies. This has been consistently happening over the past year.

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 2017-08-03
Company: TD BANK US HOLDING COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car payment of {$400.00} is paid on time every month with an additional {$100.00} bi weekly I have set up independently with my bill pay from my bank account also. Each month I receive a statement from Td Auto Finance stating I have paid a total of {$500.00} and has been applied to my account. There is no break down of what was applied to interest or principal. I called to verify if my additional {$200.00} payment was applied solely to the principal. I was advised it was applied the next month 's payment between interest and Principal. I was then transferred to have the miss applied payments paid to the principal only. I was advised if I keep making over payments they will be applied to future monthly payments and not the principal. There is a total lack of transparency of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had called Carrington Mortgage on or around XX/XX/2020. Asked they why they have not reported my loan to credit bureau. Because I had disputed done complaint with CFPB ( XXXX ). They advised me they are not going to report mortgage from date claim for 120 days. I asked when will report he told me that did not know. 

When I go to credit karma looks they have charged off the my mortgage. Something is not correct. I tried calling trans union there office are reduced hours because of the covid. The hours they open I am working. When Carrington reports to the credit bureau my credit score does not update. I need everything report correctly from XX/XX/2020 to current. 
I have included screen shots. If notice the home loan has a black dot just like the auto loan that is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: EQUIFAX, 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:
After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting my name incorrectly and misspelled : XXXX, XXXX XXXX and XXXX is spelled incorrectly. the correct spelling is XXXX. 

The following are incorrect addresses : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : 1. XXXX XXXX reporting on XXXX ; bal : {$11000.00} 2. XXXX XXXX reporting on XXXX, XXXX, and Equifax ) ; Bal : {$500.00} The following are unauthorized inquiries : XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX XXXX  XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2 Times XXXX XXXX XXXX

Company response to consumer: Closed with explanation