BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was in XXXX XXXX XXXX XX/XX/2019 for vacation. I used my debit card to pay for a car rental from XXXX XXXX car rental service. A month later, on XX/XX/XXXX, this company charged me {$1700.00} with no explanation. I did not authorize this charge. I filed a dispute with my bank the next day, which my bank said they will investigate. They denied my dispute. I did not authorize this charge, nor do I know what this charge is for. This company charged me weeks after I already left XXXX with no notice or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
When paying extra amounts to reduce principal owed to Ally Bank, they instead prepay payments including interest but extend the due date. The net result is high interest owed by not reducing principal -- according to the financial principals of Time Value of Money

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 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a 1995 bankruptcy process in case of chapter XXXX and recently asked for a car loan and I refused it because that chapter appears on my credit report and all debts. Trans Union call and tell me that is not in the report. but request in XXXX different places and all XXXX appeared they told me that Chapter XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2018-05-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been dealing with Sallie Mae, now Navient, for the past 14 years regarding repayments. They have forced me to refinance at higher rates than the supposed fixed rates that I borrowed at. They have also reported me to multiple collection agencies for the same loan that went into default. I finally settled with one company and paid it back for a lesser amount in total. Now they have sent that same loan that I settled to another debt collection agency and they're trying to extort more money out of me. I am current on all other loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.

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 2015-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I contacted the credit agency TransUnion. They tell me that in order to get the false inquiry on my credit report removed, I need to send an authorization letter and an inquiry deletion letter. I contacted the XXXX Bank to try and obtain an inquiry deletion letter and they told me to contact the credit agency. So I kept calling back and forth with no result or progress. XXXX companies gave me a lot of numbers that could n't help me at all, so I 'm trying to find out how I resolve this unauthorized hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Im a victim of title fraud XXXX XXXX made the title claim and told me not to pay the mortgage and they will not report any negative enclosed is a copy of the title claim

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.

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 2018-06-26
Company: PLS GROUP, INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I lost my job now Im back working tried calling to work something out no response but they got it on my credit report when I been trying to pay them with a payment plan for 6 months Now

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 2018-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
THIS IS NOT A DUPLICATE! same problem, same company, different co-signer. 
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/XXXX, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/XXXX, they still have not answered me. Plus they keep sending ridiculous answers for why they can not answer my questions. Playing games to drag it out longer so they get what they want. terrible, terrible, terrible, crooked, lying, stealing company. Some things they tell you only over the phone, some things they only tell you snail mail, some things they only tell you by fax, it's absolutely criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Paypal Holdings, Inc
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Paypal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 Visa Card issued by Bank Of America. I recently noticed they are charging my balance with the highest interest rate for Cash Advances. The problem is I have never made a Cash Advance on this card. I called the bank and they looked back of charges for the past 7 years and didn't find any but since they can't go back any further basically said " too bad '' Just out of curiosity, looked at another statement from this bank and they are doing it on this one too. Again, I have never made a cash advance on any card in my life! Thanks for any help you can give me. XX/XX/2020, charging cash advance interest on purchases {$8000.00}

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 2019-02-18
Company: Selene Finance LP
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered a modification with Selene Finance in XX/XX/XXXX and never recieved any statements or tax documents for 2 years. 6 different times as in attached summary i tried to reach out to Selene about no statements or tax documents and informed them that I had no lawyer ( which was always their reason for not talking to me.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX were dates of contact there were a few other calls not documented to.on XX/XX/XXXX and XX/XX/XXXX XXXX  told me all she had to do was send a document to law firm and wait 20 days for their responce to remove them from file so someone would talk to me as id had someone sneaking around my home taking pictures scaring my girlfriend to death saying they were from Selene finance.XXXX said the reason for that was i was 2 months behind on payments until she looked up account and no I see youve made all payments. 
Transfered to XXXX -- -- -- cant talk you have a lawyer.Informed them on XX/XX/XXXX and XX/XX/XXXX that there would be no more payments made until my questions were addressed. Letter was also sent with payment on XX/XX/XXXXand XX/XX/XXXX stating the same. On XX/XX/XXXX got message to call Selene and a letter of default and intent to accelerate. Called on XX/XX/XXXX sent to XXXX voicemail, same everyday until XX/XX/XXXX.XXXX says lawyer was removed and sent mw 2 years of tax documents and a statement.Check for februrary was mailed out same day. Seleene says they cant accept payment fill out a packet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute letter through certified mail to ALL XXXX credit reporting agencies along with copies of bank statements. The exact dates occurred on XXXX XXXX, XXXX and XXXX XXXX, XXXX. I received a correspondence within 30 days after submitting the original dispute letters indicating the information was accurate. However, when I spoke with XXXX and XXXX Student Loans almost a year later on XXXX XXXX and XXXX XXXX, XXXX -- they confirmed no investigation took place via XXXX during the XXXX calendar year by ANY of the XXXX major credit bureaus. ALL calls have been recorded and are available on XXXX for public viewing. I have been reported incorrectly as being past due by more than XXXX and 120 days past due with XXXX and XXXX XXXX XXXX. The Credit Bureaus including XXXX, XXXX, and TransUnion are in violation of the FCRA.

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 2019-03-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US bank charges bogus fees for overdraft protection. In addition to charging 21 % interest, they charge you {$12.00} each time it is used. I am paying interest on the money in addition to unwarranted fees.

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 2018-05-11
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Credit Systems has been calling repeatedly : my office, my cell phone, my kids cell phone, my colleague. Also leaving voicemails and texting. 
They hung up on us when we refused to give the last 4 numbers of our social security number. 
They misrepresented themselves by saying they are a friend of mine. 
They keep texting, calling and leaving voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: CITIBANK, N.A.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citi has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2020-07-02
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I bought a XXXX XXXX under promotional no interest for 24 months. I then bought a wireless charger the next month on the XXXX XXXX  account. I called in that month to make the full payment of the charger since it was going to have interest, I made the payment of {$84.00} on the phone and she said that I would have no interest. I then got interest and called in, she said I needed to make another payment of {$40.00} because it didn't apply right before, and refunded the interest. I got interest again and called in a third time saying the previous two payments and calls both said they fixed the interest problem, I got a refund of interest up to XXXX XXXX. I called in XX/XX/XXXX because I again received interest from XX/XX/XXXX-XX/XX/XXXX and assumed my third call fixed the problem. They said 'oh the payments were applied to the wrong portion! you owe the interest ', even thought hose payments were maid multiple times, over the full amount, with representatives, who said I wouldn't get interest. They refused to remove interest off the account. I have since paid the account off in full, and there is still an erroneous {$18.00} of interest that I overpaid. Terrible company, bad ethical choices, and no responsibility. I've attached the 3rd calls result ( XX/XX/2019 ) where I paid the full amount and they refunded all interest that was charged so far, and you can see there is no interest at that point, then it started again after.

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 2018-05-11
Company: Experian Information Solutions Inc.
State: NY
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:
The most recent investigation from Experian and XXXX to remove inaccurate account is showing again the same issue of reporting information hurting my credit score with information from the same furnisher. 
I have the letter from Experian and XXXX that clearly show the inaccurate information and this account must be deleted from my credit reporr. 
The Experian own investigation show the same issue over and over. 
I will attach the document sent to me by Experian dated XX/XX/2018. And copy of data from the XXXX web page. previously I contacted Experian and XXXX with ceritfied mail and notarized letter but simply ignore my request and verify their own mistake. 
XXXX XXXX bank account appear as charge off with a monthly balance, inaccuate high balance, inaccurate open date, .. Same furnisher and not accurate information from Experian Vs 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 2018-06-24
Company: North Shore Agency, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was court appointed on XX/XX/17 by a PA Court of Common Pleas Judge, XXXX XXXX XXXX, in XXXX County to gather records related to the indigent client, XXXX XXXX XXXX. The court order clearly stated " It is also ORDERED, that XXXX XXXX XXXX be permitted to photocopy or to have faxed/mailed/emailed to him any and all of the records AT NO COST to either XXXX XXXX XXXX and/or the County on behalf of said indigent Petitioner. '' On three separate occasions I contacted XXXX XXXX informing them of the above, with no success -- not to mention that at no time was I ever informed by the agency from whom the records were requested initially ( XXXX XXXX XXXX ) that any fees would be involved if records were sent. 
Now I have been sent a letter from the XXXX XXXX XXXX, a debt collection agency that they expect me to pay XXXX XXXX {$75.00} for the copying of 76 pages of information, equal to {$1.00} PER PAGE. This, in and of itself, is an outrage ( $ XXXX/page ), let alone AFTER THE FACT charging the fees, PLUS IGNORING A JUDGE 'S COURT ORDER.

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 2018-06-24
Company: BB&T CORPORATION
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:
RE : Bb & t bank XXXX XXXX XXXX XXXX XXXX, FL XXXX Website : www.bb & t.com Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Prepaid Debit ( such as XXXX XXXX XXXX or others ) Subject : Bank Bb & t bank let XXXX XXXX and XXXX XXXX take money out my account with out my concentXX/XX/2018 XX/XX/18 BB & T Balance Debit {$1400.00} XX/XX/2018 I want my money back XX/XX/18 BB & T Balance Debit {$540.00} XXXX i want my money back

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 2018-05-11
Company: BARCLAYS BANK DELAWARE
State: NC
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:
XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.

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 2015-04-25
Company: NCC Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have been calling for 4 years now for someone who does not have this number and has never lived here. I do not know them and I have constantly told them they have the wrong number but they keep calling. They can find out who owns this number and that person has never had this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: General Motors Financial Company, Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I did some work for a company that paid me {$50.00} thru paypal. When I requested transfer to my XXXX XXXX debit card on file at Paypal 7 times transfer failed 7 times. When I requested Paypal mail check Paypal began asking for my credit card number claiming to want to confirm who I am. Customer Service at Paypal made false statement several times and still refuses to mail my money or transfer money. XXXX XXXX says it has no record of Paypal trying to transfer money at any time for any reason. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-24
Company: CITIBANK, N.A.
State: MO
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 is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a Citi Bank Card. I have contacted both XXXX and Citi Bank and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX  and they are doing nothing to correct these errors.

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