BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
Credit not applied for purchase not made even though merchant reimbursed my account. Also Capital One rebelled me for same charge merchant reimbursed me for. The original charge never taken off my credit account {$26.00} dated XXXX XXXX. This charge is on my 4 times, I only completed transaction one time around XXXX XXXX ( purchase from XXXX  order # XXXX ) that is the only order completed. Capital One exploits the consumer cyber crime is the most hedious prevalent crime being done today. with this pandemic going on cyber crime is getting worse. If you can not resolve the issue please take it to the next step.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-25
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Co-signed loan for my son in XX/XX/XXXX.He received XXXX XXXX in XX/XX/XXXX from social security with the understanding this loan would be totally forgiven even for the cosigner.Not the case as I was then held responsible by navient. We always thought this to be a federal insured loan but Navient now says it is a private loan. With fluctuate interest rate depending on prime rate each month.I have spoken with them a number of times about getting help.They have only offered solutions that will cost more money in the long run. They also said that I don't qualify for income driven payments and would not even consider total forgiveness.I am now XXXX years old struggling to live on social security alone, the payment each month has become a very heavy burden.I feel stuck under a rock without even a hard place to turn to.All I can say is please HELP, HELP, HELP!!!!!!!!!!!! I am considering default as my only option since over the ten years they have received more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently placed a complaint on these guys for making me wait for my refund. An executive named XXXX emailed me like he was going to contact me in one or two business days, now its been a whole week. Another payment is approaching and I still havent received my refund. My bank filed a complaint on them as well because when on three way with them, no one could find a check number for the refund that they supposedly sent out. Now, theyve sent the refund to their own personal third party check free business to hold the check as long as they possibly could. This is a complete failure and I need these people to be prosecuted. This so called executive seems like us where these bad managed employees got their training from.

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 2019-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
I have been a victim of fraud through XXXX services and multiple crazy items were sent to my home daily from XXXX. I do not have a XXXX account. It was some sort of scam and fraud. I sent all items back to XXXX through XXXX XXXX. I immediately stopped some of the charges when my credit company alerted me. I have been fighting this fraud for months. This is all done on my Bank of America credit card. 

XXXX came to pick up my return to sender items. XXXX was contacted multiple times as was Bank of America and in the end Bank of America declined my fraud dispute and wants me to pay for it. 

I am a senior citizen.I have no idea how this all occurred and why. I have been a good standing card holder of Bank of America for decades. 

The disputed amount was posted on XX/XX/19 for XXXX. 

I am sick over this. I shouldn't be put through all this stress at my age. I just want these fraudulent charges taken off my account and my account closed after this. I am disheartened that they have not defended my case in this after being with them for so long with no other issues.

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 2018-06-20
Company: Ad Astra Recovery Services Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX   '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NY
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'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: TN
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 received a call from a student loan company stating about a debt I needed to pay. I he.ve never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX XXXX XXXX CARD, XXXX XXXX, XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: NJ
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'm writing this complaint because I have had several issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 40 days and I have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
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:
I made a purchase at a truck stop in XXXX XXXX, XXXX  early on XX/XX/XXXX. I paid with a Bank of America card [ last four digits XXXX ]. I then drove to the interstate and began driving to XXXX, XXXX. Sometime mid-morning of that same day, I received a fraud alert from BOA. 
I pulled over in the town of XXXX, XXXX and called the number. A representative, a man, looked at the charges and attempts to use the card. After determining it was not physically possible for me to have made the charges, he told me he was cancelling the card, and that I would not be responsible for the charges. [ {$260.00} on XX/XX/XXXX at  XXXX XXXX XXXX ]. 
( I called the manager of the store : he used security recordings to find the activity. He may well have been a co-conspirator as his answers seemed very vague and strange. ) XX/XX/XXXX I received a denial letter. The letter stated that the charges had been made using the chip on my card. They stated the card would have to had been present to make the charge and I obviously made the purchase. Not true. Wasn't there. 
XX/XX/XXXX I made a call to BOA and talked to XXXXwo fraud adjusters. I was told they were sorry but it was obvious I had made the charges since the chip had been read. I told them " someone is ahead of the curve/better technology '' : I was not present, did not make the charges, was in fact several hundred miles away. They still denied it.

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 2018-06-12
Company: Freedom Mortgage Company
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We had a fixed rate VA mortgage until Freedom Mortgage bought out our mortgage company, then they raised our interest two or three times. We swallowed the raises at that time, but no more! Now we payed off our mortgage and have had multiple problems. 
On XX/XX/XXXX we got a payoff statement of a figure of {$1100.00}. We sent the check on XX/XX/XXXX, and they cashed it on XX/XX/XXXX.

On XX/XX/XXXX we got a check for the escrow money, which should have been {$210.00}, but the check was for {$130.00}.

Every time we called them between XX/XX/XXXX and XX/XX/XXXX, they said we still owed them money. However, when they checked into it, they said it had been posted wrong on their end and we were correct. Now they deducted their error from our escrow check.

The escrow was to pay any taxes and insurance, however, we have been paying our taxes and insurance separately. At the end of each year they would send us a check to cover our payments.

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 2018-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I have been making on time payments with XXXX XXXX  and it showing on all three bureaus XXXX, XXXX and transunion credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

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 2018-12-27
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 status incorrect

Complaint:
I have been making on time payments with XXXX XXXX and it showing on all three bureaus experian, XXXX  and XXXX  credit reports in XX/XX/2018 multiple 30 day late payments. I would like these incorrect 30 Day late payments to be removed. I have reached out to XXXX twice this year, with no response.

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 2022-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I own a XXXX XXXX XXXX that has been in business for almost 30 years. I've had a business banking relationship with Chase bank for over 20 years. On XX/XX/2022, my company deposited a check from a client for {$10000.00}. On XX/XX/2022, I received an online letter from Chase stating all three of my business accounts were frozen and would close soon. I contacted customer service and spoke with an associate who was very little help so I went into my local branch. The branch Vice President told me Chase uses a landline check verification system and my client does not appear to have a landline. He asked me to contact my client to see if she has a landline. I contacted my client who tells us she does not have a landline and told us Chase withdrew the money from her account on XX/XX/2022. After no less than 2-4 hours with the branch VP making phone calls to different Chase departments, he was able to unlock my business savings account and one of my business checking accounts. He was not able to unlock the checking account in which the {$10000.00} check had been deposited but said he had escalated the matter and someone else who could help me would contact me within 3 days. The very next day on XX/XX/2022, I received another online letter from Chase stating that the account which held the {$10000.00} deposit was still restricted and would close soon. On XX/XX/2022, I finally received a phone call from the Chase escalation department and was told what I already knew ; the {$10000.00} check was not able to be verified because my client does not have a landline and the account would close soon. He also said, the {$10000.00} would remain in suspension and would not be released. He suggested that I contact my client and ask her to contact her bank to ask them to recall the funds to her account. Shortly afterward on the same day my office manager reached out to my client and asked her to contact her bank to have the funds recalled to her account. My client attempted to do this and was told by her bank that the funds had been released by them on XX/XX/2022, and could not be recalled. I am VERY disappointed with Chase Bank. This is NOT how you treat a 20-year customer that has deposited a lot of money, never had any kind of fraud incident, and never even had an overdrawn account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, AS IN THE REAL NATURAL PERSON AND ORIGINAL CREDITOR XXXX XXXX. i attached my social security card so you can't lie and say you don't recognize me as the person sending you this letter. in other words, = YES IT'S REALLY ME. I was entered into credit transactions that i did not consent to or authorize whatsoever. I contacted the Federal Trade Commission and filed a complaint # XXXX and it is attached to this letter. Please block and remove all information from my credit report, and send me an updated copy of my credit report. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ). As you This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As we both know under 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX XXXX of receiving this dispute letter an d yes the invoice is definitely attached boo. TIME TO PAY UP OR FACE LITIGATION YOU HEARD!!!! 
I demand that the following accountS be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan Depot was my possible new lender. They have my FHA file and will not transfer it to a lender that I decided to go with. I have sent several e-mails and made several phone calls and nothing is being done. I need this file to be transferred to my new lender immediately and it only takes 3 minutes to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND I FEEL LIKE HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNTS. BECAUSE OF THIS IT HAS LEAD ME TO MY ONLY OPTION OF SENDING DISPUTED TO HAVE THOSE DEROGATORIES BLOCK AND DELETED OFF MY CREDIT FILE. 

I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND, BECAUSE OF THIS IT HAS CAUSED A GREAT HARM TO MY CREDIT FILE AND IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2021-07-19
Company: Chime Financial Inc
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened an account with Chime after hearing about it from my wife, Ive been with chime maybe around 2 months now And now they have suspended my account because they claim there is fraudulent activity on my account. this was 2 weeks ago so I just went ahead and told them I wouldnt be using them anymore for my money due to lack of professionalism from their customer service reps who have little to no knowledge of their product. So I go into my companies website and change my direct deposit information. Little did I know it was approved so my information for direct deposit still had the chime account on there. So I get paid and it direct deposits into my chime account so I thought its not big deal I can fix this with chime. Boy was I wrong, so I contact chime through phone at first got no help there. I was told to contact via email. So I do and this was Friday XX/XX/2021. I contact them through email and they are just giving me the run around. I thought never mind Ill contact my employers and get them to ask for my paycheck back. Unfortunately they couldnt do anything because on their end it shows my check already deposited into chime account. So now its Saturday morning XX/XX/2021 now Its getting worst because theyre taking hours to reply back. They asked for all my information and I give it to them just so they can send my paycheck back to my employers. It is now XX/XX/2021 and they have not even tried to give me access back into my account or my paycheck. I am running on fumes right now because I have no money for gasoline for my vehicle and and food for my apartment because they keep playing games with me. And I forgot to mention they had done to my wife too a week before they did that to mine.

Company response to consumer: Closed with explanation