BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: VA
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 found the XXXX of XXXX on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.

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 2021-03-24
Company: Navient Solutions, LLC.
State: OH
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:
My Department of Education/Navient are reporting me as 90 days late XX/XX/XXXX when I have made a payment and reporting me 150 days late XXXX and XXXX of XXXX when my account was in Forbearance also the report is missing data

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Per the FDCPA, debt collectors are not allowed to leave two voicemail messages on the same number on the same day. OneMain called my cell phone number at XXXX CST and XXXX CST. On each call, a voicemail was left. This is a direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, 2017, Chase Bank notified me that they were closing all of my savings and checking accounts and canceling my credit card. They gave no reason and gave me one month to empty my save deposit box. I had already paid the 1 year rent on my safe deposit box and the XXXX, CA branch refused to credit me the remaining months. I have always maintained the minimum balance and can not figure out why my accounts were closed. I was not given sufficient warning and my credit card was denied while dining with friends. This was very embarrassing and inconvenient. Thank you for your investigation into this matter. I have attached documents received from Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Huntington charged me a " return item fee '' for my XXXX XXXX payment this past month. The money should have been there but it was not because the returns that I have done were not processed in time even though the merchants had given me shorter timelines than they ascribed to. 

Furthermore, Huntington has consistently allowed me a grace period of one day to pay my XXXX XXXX payment. Somehow, they decided not to do that this month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
My grandmother passed away last year and her bank sent her a new credit card. But we never got it and received a phone call stating someone spent over {$1000.00} in XXXX or XXXX. They want us to pay the bill for a fraudulent charge on a credit card that was stolen that we reported. Which to this day we are still getting billed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Riverwalk Financial Corporation
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received a letter in the mail from XXXX XXXX XXXX XXXX for a reduced balance amount. Creditor listed as DeVille Asset Management, LTD. Original creditor listed and XXXX XXXX XXXX and I have never had XXXX. 
I called XXXX and they wanted me to confirm my information and I refused. My next step is to contact the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
LastXX/XX/XXXX, I sent this company a dispute letter disputing several items that have been reported incorrectly and notified them what these issues are. To my dismay, upon downloading my credit report today, XX/XX/XXXX, my credit report still shows incorrect information and several missing information. From remarks/comment saying that the account was disputed to inaccurate and incomplete payment history. They are incorrect information as well such as the account opened date and Highest balance. Attached to this complaint is a copy of the letter I sent this company dated XX/XX/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 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I kept receiving in the mail. I have never heard from the place before. Therefore, I suspected identify theft. When I received my report I was caught by surprise with a couple of things I have never heard of. The things on this application do not belong to me. Please remove these items from my 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 explanation
Consumer complaint received 2020-02-24
Company: U.S. BANCORP
State: VA
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:
Filed dispute for refund not provided as a result of merchant not providing the service paid for. Received a request for information in mid-XXXX and supplied the information. Received letter dated XX/XX/2020, my case was closed due to not receiving information. Called, they said info received. Case manager called me and left message. Two attempts to call back were not returned by case manager. Spoke to general customer service who requested additional details which were provided. About one week later received letter saying case is closed due to insufficient information. However, as described all requested information has been provided.

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 2021-03-11
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been repeatedly trying since XX/XX/XXXX to get an answer from NewRez on my mortgage interest with no luck. They simply do not respond to my question.

I would like to know how the mortgage interest paid on my account INCREASED from XX/XX/XXXX to XX/XX/XXXX when : - NewRez serviced my loans for the full year both years - It is a fixed rate loan - The principal decreased Details ( reported on my 1098s ) are as follows In XX/XX/XXXX the outstanding mortgage balance was {$350000.00}, but the mortgage interest paid was {$13000.00} In XX/XX/XXXX the outstanding mortgage balance was {$340000.00} ( decrease ), but the mortgage interest paid was {$14000.00} ( higher )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received an alert from Experian to check my credit score as it had changed. I logged on to their website which had notification that my score reduced by 25 points ( literally overnight ). I had excellent credit score and am trying to get a mortgage. My credit was pulled and I expected my score to decrease but not by more than about 5 points as advised by XXXX XXXX XXXX. This information is also on Experian 's website.

Oddly enough, as I was checking on Experian 's website trying to figure out what might have went wrong I was prompted to improve my score with " Experian Boost '' a product they have been pushing. 

I called the number they provided on the website and no one in the office could tell me what might have cause the large drop in my score. I was told I had to get a certified credit counselor. 

I feel that they dont care, how is it that no one in a credit reporting agency that is selling all these products to people has no one in the office to answer my questions. 

Something is very wrong here. They are forcing people to do this " Boost your Score '' and this is very wrong. 
I need your agency to look into this matter. This is gong to affect what I will get for a mortgage.

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 2021-03-24
Company: Mercedes Benz Financial Services
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have requested multiple statements a monthly billing statement. At first I was receiving paperless statements and attempted to access my monthly billing statements in the statements section of my online account with no success. I switched to paper billing and have received only one paper bill. I am still not able to access my monthly statement online in the app via the statement section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone has been going to the hospital under my identity, which is fraud. I also have active XX/XX/XXXXinsurance, and it is placed for collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a compliant on USAA XXXX # XXXX and am still having issues with my checking account. 

I provided USAA with the new Trust documents. I requested to have my USAA account closed. USAA sent me a check that I can not cash because the check was made out to the old trust name. Furthermore, I was told by USAA that the account was closed. However, I am still receiving account statements on my checking account from USAA. 

Date of check XX/XX/2021 Check # 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 2018-01-23
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In the mail we received an offer to open a Key Bank checking account and begin our auto deposits. Have {$500.00} deposited in 60-days and receive the bonus. 

We did everything we were asked to do and never received the {$400.00}. The local branch manager kept telling us was just delayed. After about 90 days he sent it to a Vice President in XXXX that said the terms were {$1000.00} in deposits. I sent them a copy of the offer we received and they simply wo n't live up to their advertised offer. 

Criminal in some countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: U.S. BANCORP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I applied for a personal loan on US Bank website. It was unsuccessful because it said there's no branch near me. 

However, ever since my unsuccessful application, US Bank has sent me soliciting email, one per day, every day. Please ask them to stop sending me this email.

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 2020-02-24
Company: EQUIFAX, INC.
State: AR
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 husband and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: EQUIFAX, INC.
State: NY
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 placed a fraud / security freeze on my credit file with equifax and I requested them to remove it and delete it SEVERAL TIMES BY WRITTEN NOTice I also sent in proof of Identy as per their request several times It is still frozen for promotional reasons I want it deleted / removed ASAP its hindering my ability to buy anything. They are refusing to take care of this matter for me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Comerica
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
My mother died on XX/XX/XXXX. She had a Living Trust account at Comerica Bank, originally set up at the XXXX XXXX, XXXX, MI branch. After extensive and repeated efforts to try and close the account, and get the several XXXX dollars back, I finally was successful, almost 2 years later, on XX/XX/XXXX. On this date, I received a check for the total amount in the account with a letter stating the following, " Dear Mrs. XXXX, Enclosed please find the check for closing the reference account ending in XXXX. Per the instructions of our legal department, the cashier check is payable to XXXX XXXX XXXX Living Trust. Sincerely, XXXX XXXX. 

Much to my shock and dismay, on XX/XX/XXXX, I received a letter from the Comerica Bank stating that my mother 's account was overdrawn and must be immediately returned to a positive balance. I was charged {$48.00} with a date of XX/XX/XXXX ( more than a month after I received the check and the letter letting me know that the account was closed ). 

I made several attempts to contact Comerica Bank, with no success. My objective in filing this complaint is to make sure that the record is clear that the account is closed and that no fee is charged and in no way should this reflect on my credit as I am trustee of my mother 's estate. Furthermore, Comerica should work on its process and consumer engagement, as this was a very unsatisfactory experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: BBVA FINANCIAL CORPORATION
State: UT
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:
On XX/XX/2019 an order of tires was place with XXXX XXXX  XXXX. They didn't have the tires at the shop and they said it was going to take days to get them. After some research on use tires for Semi Trucks I decided to invest in new tires instead of use ones, for safety issues. I called the shop and the credit card BBV and asked them to cancel the charge. I explained BBVA credit card that we canceled the purchase and we want it to make sure they cancel the charge, because we never got the tires anyway.

The first time customer service said they no problem, the charge was canceled. They never canceled the charge they send payment to the company. I submitted a dispute about the amount {$1900.00} and they never send me any information about that, and until this morning every time I called BBVA credit card to get information about the charge, they place my call on hold and hang up the phone at the end, it has been about 10 calls and every single time they hang up on me, only one time that I was able to talked to a manager he said he was going to work on it and send me a letter, I haven't receive anything and my statement still shows the charge. I can't find a way to resolved this issue and I can't talked to anyone because they disconnect the call every single time I contacted them. I contacted the shop but they don't want to listen to anything they said call the BBV credit card. We only received threats on writing from the Owner. 

Credit Card : BBVA XXXX XXXX XXXX XXXX AL XXXX Customer services XXXX Transaction # XXXX for the amount of {$1900.00} Shop Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.

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