BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-29
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I 'm reaching out to you on behalf of my son who 's student loan this is, with Navient, formerly XXXX. He has been making his automatic payments all along since XX/XX/XXXX, which we needed your help with to set up. Complaint # XXXX if you want to look back at your records. The payments were set up to be paid with his credit card. Everything was going along fine. His last payment was made in XX/XX/XXXX. At that time Naveint changed their terms and no longer take credit cards to be set up as automatic form of payment, but we were never informed of this. Also at that time my son had been diagnosed with a debilitating medical situation and has not been able to work. He lost his job and still is unemployed and in therapy. We called Navient in XX/XX/XXXX to see if we could postpone payments until he is able to get back to normal life. We were told they can not do anything until the loans have fallen three months behind. That being said, since he now feels better, he called on Friday XX/XX/XXXX to try to work something out, since he received a letter that Navient will start litigation process. He was told that they could n't help in any way. He had a financial savvy friend with him who was speaking to Navient with my son. They finally said they would settle for {$110.00} per month for 8 months then {$150.00} for 3 months. He has no money and no income right now. He will in about three weeks. He asked for a postponement till XX/XX/XXXX.  They would not budge. They demanded his banking information and said that they will need a payment of the {$110.00} by XX/XX/XXXX. Given our past experience with them, my son and I do not trust them to have any sort of banking info. If you look at the previous complaint from XX/XX/XXXX you will see where they outright lied about an agreement they made then raised the monthly payment. When he asked to get this latest settlement in writing he was told that they will need to see the {$110.00} before they right up the details of the agreement and send to us. Who in their right mind would agree to that??!!! I believe it 's unethical. His sister who co-signed the loan with her brother way back when, is willing to send in one month payment but will not do so without a written agreement as proof. She has also received a notice for litigation. All we are asking for is proof that they will follow thru with what they say, and possibly postpone till XX/XX/XXXX. FYI litigation letter was written XX/XX/XXXX but not received till XX/XX/XXXX. My son is not always able to have access to a phone. Sometimes for several days at a time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My capital one account is restricted because I am out of town for an extended period of time, and I therefore am sometimes using one of my 2 phones, or my computer here or my computer back home in Pennsylvania via a Remote Desktop connection client. This means that my IP address has me in different locations at once. I understand when capital one first restricted my account, but I called them and cleared it upI sent them photos of my Drivers license ( twice ) and provided them with all the information that they had asked of me. Although the restriction was lifted, I was never able to use my account again. No matter what, there was no moving money in or out of my account. The restriction was placed back on my account again, and this time, they have informed me that they will be closing my account, which I think is complete XXXX. Why should I have to wait weeks or longer to see the money in my account again? Because I use a Remote connection client? Really? Something does not seem right about it and I am very tired of the abuse that banks have taken the liberty to inflict on innocent bystanders such as myself, restricting access to everything I have on a whim. It is not ok. Capital one has all of the information that they had asked of me, why is my account still blocked and why is it being closed? I beg to differ.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I accessed my Fifth Third bank account on XX/XX/2019 at XXXX and noticed my Checking account had been closed as of XX/XX/2019. I did not initiate, authorize, or even receive any notification of my checking account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, 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:
Trouble contacting Equifax. Need to have the following shown on Equifax Report XXXX. XXXX, dated XXXX XXXX, XXXX show " ACCOUNT CLOSED BY CUSTOMER '' under " COMMENTS '' by item numbers as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: EQUIFAX, 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:
URGENT - Mistake made on CFPB Complaint # XXXX, regarding NAME - - Please DISREGARD this part of the complaint for both XXXX and Equifax. 

The rest of the complaint regarding " ACCOUNT CLOSED BY CUSTOMER '' remains a concern and may go forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
DISPUTE PROCESS # 1 XXXX XXXX XXXX Opened XX/XX/XXXX Amount : {$900.00} Original creditor : 01 XXXX XXXX Overview : You 've paid off 0 % of your collection amount. 
Balance : {$900.00} Highest Balance : {$900.00} Opened : XX/XX/XXXX ( 1 yr, 5 mos ) Account status : Open Type : -- Responsibility : Individual Remarks : Account information disputed by consumer, meets FCRA requirements DIRECT DISPUTE If there 's an error on your report, you can submit a dispute without leaving Credit Karma. 

Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX DISPUTE PROCESS # 2 : The information below is also part of another dispute process through XXXX XXXX that XXXX refuses to remove negative information from my credit reports. 

XXXX : XXXX Debt Collector XXXX Creditor Balance Disputed XXXX XXXX XXXX XXXX XXXX XXXX {$900.00} XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as XXXX XXXX XXXX, TD Auto Finance, XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX XXXXXXXX in which I was not responsible for these items along with citizens bank and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Other problem

Complaint:
My complaint is with Citi Bank Double Cash Card. I was informed that my available credit would drop by XXXX dollars, during this time I always made timely payments. After the initial drop in available credit, Citi would then cut my available credit limit after each payment I made until I'm left with a XXXX dollar balance. This move is crippling my debt to income ratio. My accounts have always been in good standing, and this amounts to damaging effects on my 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 2022-03-30
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: Personal information incorrect

Complaint:
XXXX & EQUIFAX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Express Collections, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We moved from XXXX to XXXX and went to XXXX XXXX to purchase furniture. They falsified financing information to me. I signed and agreed to pay {$1400.00} for furniture. The Company sent different paperwork after we got the furniture home. They are now trying to charge us {$3000.00}. I tried to set up a payment plan with the original financing Company. They denied money unless it was paid in full. This is unacceptable business practices from top to bottom.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made an in full credit card payment of {$4300.00} on XX/XX/21. This paid off the entire balance owed. I logged into the account on XX/XX/21 and found I was charged an additional {$45.00} interest on XX/XX/21. How can they charge interest after I have paid the account in full? This is unacceptable! I called Capital One for the reason. I could barely understand the agent, but basically he said that is remaining interest from some type of cycle end date. No, I paid what I owed in full and should not be required to pay more! Luckily I even checked my account, or I would never have known and probably been hit with more unnecessary fees. I'm never using my capital one again ... I've had issues before where they charged unnecessary interest on cash advances. Charing interest every single month on it and there is no way to pay the advances unless the entire card balance is paid in full. This company just gouges you for interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: National Consumer Telecom & Utilities Exchange, 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: Their investigation did not fix an error on your report

Complaint:
NCTUE continues to falsely report on my file XXXX fraudulent accounts, one being XXXX XXXX XXXX XXXX fraudulently set up on XXXX XX/XX/XXXX for another XXXX XXXX XXXX customer XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX, who paid XXXX XXXX XXXX XXXX ( which did not come from any account under my control ) XXXX months between XX/XX/XXXX and XX/XX/XXXX but was only able to set up this account by an XXXX XXXX XXXX employee who was willing to compromise my now former ( as of XX/XX/XXXX ) account information. NCTUE report # XXXX reflects theses amounts however in report # XXXX the payments have been suspiciously removed. Please note that NCTUE also allows it {$2.00} XXXX partner XXXX to paginate reports just to confuse the average consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. This company, PORTFOLIO RECOV ASSOC, has not complied with the Fair Credit Reporting Act, XXXX USC Sections XXXX and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXXXXXX XXXX. ) XXXX XX/XX/XXXX {$XXXX} ; PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: ROBINHOOD MARKETS INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This complaint is about Robinhood. 3 weeks ago I tried to sign in to my account to withdraw the last of the funds as I am done with using Robin hood in its entirety. I could not sign in, I used their reste password method and I was never sent a reset email. This led me to go on their website and reach out to help and support because there is no customer service phone number whats so ever. After waiting for a week and sending about 100 emails and tagging them on XXXX, they finally asked for an ID because they needed more information to verify me. I have sent them the ID 2 weeks ago, I keep since then emailing them to provide me with more information. I have not had any replies. Since all this happening, I have had my bank account fraudulently added to a new unauthorized account on XXXX XXXX, Ive had my bank account hacked into twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: PA
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:
Im submitting this complaint against XXXX Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Intercoastal Mortgage LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I was mislead in an email from XXXX XXXX of Intercoastal Mortgage stating that they did not sell loans to XXXX or any of its affiliates.  I explain to XXXX XXXX my desire to terminate the loan application if they did.  He replied back in email that they did not sell to XXXX or anyone affiliated.   We closed on XX/XX/XXXX and I XXXX on XX/XX/XXXX and returned on the XX/XX/XXXX to  find out that   while XXXX to XXXX XXXX Intercoastal Mortgage sold my loan to XXXX XXXX aka XXXX.  Remedy:  I want my loan bought back from XXXX and sold to a company that is reputable, long standing and that doesn't sell it loans.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-05-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX Collections -- account reported without proper validation of debt. 



Violation of 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 non-monetary relief
Consumer complaint received 2017-10-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, After talking about my issue with a group of friends they referred me to this site as a possible way to get clarification and a total answer to a credit card API Inquiry. 

In XXXX of 2017 I contacted Chase about my Chase Sapphire Preferred Credit Card and its APR ( Annual Percentage Rate ). 

I wanted to understand the criteria and process to have my APR evaluated and reduced. I make $ XXXX a year, have never missed a payment, and have other credit open. 
My APR rate with Chase is 23.99 % and on my other credit card 8.90 %. The disparity is large and i just wanted to know how it could be reviewed. 

I first attempted to call the Customer Service and understand the process. The first representative I talked to about general information told me there was nothing they could do to help me apply for a reduction. I asked for them to transfer me to a department that could help me and the only department they could come up with was the department that deals with credit inquires and new account openings. When talking to this group they tole me that they did not deal with APR review or reduction but would put me on hold to contact another department. However when they came back on the line they told me that they talked to the department but had not information that could be disclosed to customers through customer service and they department had not customer service representative. They did tell me that APR rates are reviewed once a year and my account was not reviewed this year. After, They told me the best course of action was to open a ticket on the Chase Secure Messaging. 

I opened the same conversation there and received an email in the secure message center the next day. They the email explained the only factor they could confirm had and effect into my eligibility for an APR reduction was the length of my credit with Chase " among other factors ''. 

Additionally, to add insult to injury, the Chase message have been removed from the Secure Message center without notification. There is a warning that say " We 'll delete any messages in red within 10 days. If you 'd like to save a message, please open and print, or save it to your computer. '' but does not inform you of when messages are changed to " Red '' status. 

best, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
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 fraud alerts or security freezes

Complaint:
I put a credit freeze on my Experian, XXXX  and XXXX  account last year because I wasnt looking for a new credit and I wanted to be safe. Now, I need to apply for a loan and need to unfreeze my account with all 3 and I was able to do it except with Experian. I followed their websites to the letter, I even have my PIN, after I put all my information, and submit, it says " We are unable to process your request. 

If you would like further assistance in removing your Freeze, please contact us at XXXXEXPERIAN '' So, I called the number, and there is NO person talking to me only the robot, and the robot DOES NOT have an option to unfreeze my account. Then, I went back to the site and re-submit the unfreeze application. After I hit submit, it says " To permanently remove your security freeze, please mail us this letter XXXX or the information in it ), along with one copy of a government issued identification card, such as a drivers license, state ID card, etc., one copy of a utility bill, bank or insurance statement, etc., and a copy of your Social Security card or another document that displays your Social Security number. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue XXXX statement dates must be recent ). To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. We will validate your information and remove your security freeze for the timeframe you request. '' Are they serious? Their incompetent website and incompetent call center is a punishment for me? Now, I need to mail my documents to them? I was able to unfreeze with 2 other bureaus easily, why is Experian making everything harder? Cant they just make a system that allows unfreeze credit report?

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