BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: CITIBANK, N.A.
State: TX
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:
The amount in dispute is {$40.00} in unauthorized charges. These are itemized as immediately follows, XX/XX/2020 - {$7.00} x 2 for tolls XX/XX/2020- {$6.00} x 2 of 3 charges for XXXX XX/XX/2020- {$9.00} forXXXX It appears that Citi May have added charges where they were supposed to have credited for the tolls and for XXXX. 

When Citibank failed to keep their promise that disputes had been resolved, as per their email of XX/XX/2020, and were unreachable by phone, I filed a complaint with the XXXX  on XX/XX/2020. They have not responded. The account is closed and paid in full. Citibank continues to show a balance for the disputed items.

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 2019-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient manages several private loans of mine. But they don't allow for an easy transparent way to determine the monthly payments cost. The site is very confusing. Also, I have separate loans with different cosigners and I should be able to send in payments and pay extra amounts on each load easily and they are do not process my payments accordingly. I want to be able to see my monthly payments and be able to send payments to each specific loan, not a bulk payment to all loans. I should have complete control over how payments are applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I called the bank, on the XXXX I believe and dismayed that all of my accounts were marked on hold and I asked why noone had informed me. The Office of the President wrote someone called me about my account past due. I never received this call and need a copy of the tape or a transcript of what was said. The Bank should have a copy of the other calls, each time transferred to an account specialist that would not give me accss to my cash funds in the checking account to pay their own credit card balance due for XXXX. After almost a month, the last spcialist allowed me to do so. 
The FDIC thought the CFPB should take the lead XXXX in this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This Morning a process server called me from a Private number left a 48sec msg. Yawning and tiredXXXX XXXX. I will be served as a civil complaint Wednesday the XXXX and for more information reference XXXX and call XXXX. I called XXXX XXXX answered XXXX  and XXXX XXXX direct line XXXX.14min call about Wells Fargo account ending in XXXX. For {$830.00} with attorney fees was {$3100.00}. Account opened XX/XX/XXXX closed XX/XX/XXXX and I could settle for {$620.00}. The name is the name and not an acronym. 
I called Wells Fargo and the account dates do not match and the amount owed was {$400.00} and the are mailing me the last 3months of statements to confirm debt.

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 2021-05-05
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Santander consumer is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX : I paid this account with cash, In Full at the XXXX XXXX @ XXXX XXXX location in XXXX, Tx. Several years ago, I handled this in person and was promised it would NOT be a derogatory item on my credit report, thereafter. 

I am trying to buy my first home, and this needs to come off of my credit report ASAP. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This credit reporting company aggressively downgrades an individuals credit while substantially delaying credit upgrades for the individuals. Many times Ive lost 50-70 points overnight on my credit yet even though I address the issues nothing happens. The credit reporting company uses this and other administrative tactics to manipulate the individual. By creating this false narrative the credit reporting company creates a need then immediately sells into the very problem they create.This credit reporting company quickly sells credit repair upgrade features, pushes selling long term complex credit reporting contracts etc., and high interest rate credit cards. The credit reporting company however delays or never addresses disputes. An Anti-Trust situation and class action issue. This credit reporting company never provides live customer service and refuses to acknowledge anything unless its brought to this level

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 2020-11-25
Company: Trojan Professional Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This XX/XX/XXXX I saw a negative collection report on my XXXX Credit report from a XXXX XXXX XXXX related to a Utility account with XXXX XXXX. 

I have never done business with these companies. After tracking down XXXX XXXX, I spoke to a representative on XXXX that provided me an account number and service address in XXXXXXXX XXXX 

I live in XXXX XXXX where Ive owned my home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm no longer able to link my PNC bank account to any outside service or provider. I'm no longer able to transfer funds to investing accounts and pay certain bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Defendant : XXXX XXXX item no.XXXX item description XXXX Ordered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AR XXXX Order Date XXXX Tel. XXXX XXXX XXXX Company charged our American Express credit card ending in XXXX {$61.00} The jeans ordered and received have an XXXX XXXX price tag of {$49.00} and the catalog received from XXXX XXXX XXXX shows the same price of {$49.00} on page XXXX of the catalog. Further it states on cover of the XXXX XXXX XXXX Catalog " 20 % OFF YOUR ORDER '' NO MINIMUM PURCHASE REQUIRED. XXXX XXXX charged our credit card {$61.00}, while the price tag and catalog show a cost of {$49.00} less 20 % off or {$9.00} based on the 20 % discount advertised on cover of XXXX XXXX Catalog received at the above address in XX/XX/2020. We attempted to contact XXXX XXXX via email and inquired why they did not honor the 20 % discount advertised on cover of XXXX XXXX Catalog and over-charged the XXXX family. Discounted price {$39.00} and XXXX XXXX charged our credit card {$61.00}. We asked for refund but no response. We demand a refund of {$21.00} and jail time for XXXX XXXX XXXX. Signed, XXXX XXXX XXXX XXXX address above )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: Experian Information Solutions 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:
The below accounts and inquiries do not belong to me and are fraud. I have also included the identity theft reports. These accounts are fraud. 

XXXX XXXX XXXX  Inquired on XX/XX/2023 XXXX OF XXXX Inquired on XX/XX/2023 XXXX & XXXX XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/2023

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 2019-03-25
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/2019 my XXXX year old sister was diagnosed with XXXX in her XXXX. She had a XXXX on her XXXX   and was going to need XXXX XXXX. My sister had just recently XXXX from college as a XXXX XXXX so her medical insurance that her college was providing was no longer valid therefore we had to pay my sisters XXXX out of pocket. It was very hard for the month of XX/XX/XXXX because doctors could not guarantee she was going to make it out of XXXX and my sister got very XXXX and had very little urge to live which broke me and made me basically forget about everything at that time i was going through very difficult time trying to stay strong for my sister. I regret very much not making that payment but with all that was going on i did not even know what day of the month it was. Also my aunt which is the primary one on the account we had some family issues and im the one that pays for the vechile but her cell phone number is the one on the account so if XXXX XXXX tried to get in contact with me to make that payment they were calling her amd she never reached out to me due to family issues. That phone call from XXXX would have reminded me i recently changed the phone number on the account to mine. Im very responsible when it comes to my CREDIT and bills so please help me i was going through hard times its my only missed payment and its affected me a lot. I'm willing to pay off the account if i have to enable to remove the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Selene Holdings LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX XXXX a trial loan modification agreement was signed. On XXXX XXXX a letter was received requesting one final payment to complete the trial modification. Several attempts were made to contact Selene to address the situation and issue was never resolved by any representatives. Please see attached documents for detail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened a XXXX Rewards Business card with Chase in XX/XX/2017. When I had to shut the business down a few months later, I asked them if they could convert the account to a personal account, but they told me they could not. However, when the business card was not paid because the business no longer existed, Chase put the debt on my personal credit report, severely damaging my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
About a year ago Comenity Bank purchased my XXXX from XXXX 's. Ever since then, if you want to pay more than the minimum payment, you have to speak to a representative and each time go through all of your bank account information to make a payment. It is a business card for us and we want to pay the total balance every month using the automated system. It is a ridiculous waste of time and is in place only to discourage people from paying off their balances and avoiding paying interest charges. They tell you to go pay it from the website but that site never works. It is one delay and stall tactic after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax failed to validate accounts I have been disputing since XX/XX/2022. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Equifax stated in writing that they verified that the items are being reported correctly. Equifax did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Equifax failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Equifax that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Equifax failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
At month of XXXX ( or XXXX ) my chase bank offered me to upgrade my southwest credit card for the new upper card ... .and will be rewarded with XXXX rapid reward points to my southwest airline account with the condition of spending {$140.00} until XX/XX/21 ... .I accepted the offer and immediately use the card with a new hotel booking part of my trip to Florida ( XX/XX/21 ) and much more items into that card ... .its now more then 6-8 weeks that NO points were rewarded as that agreement ... each time I contacted Chase they are assuring me those points are into my account despite I am contacting XXXX XXXX that confirms NO points are in my account as well I can see that each day I try to check my rapid reward balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, our names are XXXX XXXX XXXX and XXXX XXXX. 
We are placing this complaint because we are having some issues with our mortgage bank ( SHELLPOINT MORTGAGE SERVICING ). Its about an imposed charge for extra coverage on our escrow account. That had happened last year with the amount of XXXX $ ( see attached table on XX/XX/XXXX ) ; that was then when everything started. We received some letters regarding our propertys hazard insurance. We took the letters to our insurance agent ( XXXX XXXX XXXX, XXXX, his name is XXXX XXXX. At that time, we were able to provide them with the master policy from the townhouse retroactively for 4 years ( XXXX, XXXX, XXXX, XXXX ) because they were charging us for all these years backwards.They reviewed and recalculated my escrow accordingly by XX/XX/XXXX ( see attached table ). The thing is that when we thought that everything was resolved, they started again in XXXX, XXXX. They sent us another letter. This time they were requesting an HO6 for extra coverage ; and again, they wanted it retroactively up to XXXX, XXXX, XXXX. We sent them a policy we bought through our insurance agent ( XXXX XXXX ). At first, they didnt want to include it on my escrow, so they didnt accept it on XXXX, XXXX when I sent it. Later, they accepted it, but it was too late because, once again, they bought an insurance and disbursed $ XXXX on XXXX XX/XX/XXXX and {$330.00} on XX/XX/XXXX respectively. As you can see on the attached table on XX/XX/XXXX, we sent our policy through our agent and this time it was accepted. We called several times spending so much valuable time over the phone without success. They said they are NOT going to reimburse ( XXXX $ ) that money back into our escrow because they are arguing that they had sent me letters regarding that issue in the past, which is not true. By the way, that was the very first time they requested that type of insurance ( HO6 ) because the previous times they were referring to the hazard insurance ; and we accordingly took care of that. My agent, XXXX keeps in records all the letters. 
Here, I am attaching this table so that you can better understand our request. Please, advise I am really disappointed with this Bank. I really want to solve this issue because it is so unfair. This is a mess! They have just Increased our mortgage payment by more than {$400.00} a month until XXXX because the escrow account is in negative balance for up to {$4000.00}. Please, take your time to review this for us because we are done dealing with this bank. Please, advise Thank you in advance. 
Best Regards, XXXX XXXX. 
XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital Accounts LLC : Repeated Phone Calls since XX/XX/2018, {$3200.00}. Called spouse and provided all details about the debt. Falsely reported information to XXXX, told to speak with the originator of the funds. Lied to spouse that interest is accruing. Calling cellphones with an automatic dialer, no message being left. Calling in the middle of the day when working or sleeping for work that night. Calling from different numbers every day. Reported to XXXX and XXXX, never provided social security number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient is reporting to my credit that I have two open accounts that I owe money in which I do not one is for XXXX opened XX/XX/XXXX XXXX opened XX/XX/XXXX I never opened an account Im a veteran and a surviving widow of a XXXX soldier, I was using the post XX/XX/XXXX GI bill

Company response to consumer: Closed with explanation