BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-18
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
only {$190.00} was owed to Wells Fargo. not the amount reported.

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 2017-10-11
Company: WELLS FARGO & COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The American consumer needs help, please expose the new way banks have suppressed credit. We hear so much about Donald Trump there is no space for consumers. There is always something more important to talk about in the media Who is monitoring credit card and credit score reporters So here is my new realization. The lowering of my credit limit has greatly affected my credit scoring, which in turn has affected the way that my other credit companies are viewing me. So, without me doing anything, my credit scores have plummeted. Because of the falling scores and the balance to available credit limits being forced into a balance to limit ratio by the credit card companies own actions, my credit scores are now below the national average. 
I pay ALL my bills on time and for the right amounts. I kept most of my credit card debt ratios BELOW 30 % and have now been reduced to being classified as a high-risk account holder and am being assessed higher interest rates for my remaining balances. I FOLLOWED ALL THE RULES OF MY CONTRACT WITH THE CREDIT CARD COMPANIES AND THEY REWARD MY LOYALTY BY FORCING MY CREDIT SCORES INTO THE GUTTER. 
If I defaulted on my contract with them, my credit scores would be where they are now. SO, TELL ME WHAT IS THE REWARD IN MY PAYING THEM AT ALL NOW THAT MY CREDIT IS AS IF I HAD BEEN A DEADBEAT?? By the time my credit scores return to where I had them, and paid off with the NEW interest rates that they have given me. Wells Fargo could not give me a satisfactory answer to why they lowered my score.

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 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My payments have been deferred since day one on my student loans due to my family size versus my income. My loan payments have been reported late after I have completed all necessary paperwork and mailed it to the correct places. The first loan payment I have every made was this month XXXX. Before this date I have always been deferred on all of my student loan payments. One credit company removed all late payment from my report just recently after I filled a complaint. I filled the same complaint with Transunion and they did not remove the late payment. I could have never been late when all have been deferred for the life of the loan. This has cost me thousands in interest fees on other loans due to them reporting me late. Please remove all late payments from my report on all student loans since they could have never been late based on all loans being deferred for the entire life of the loan until XXXX. As of XXXX I started making income based payments on my student loans since I now make enough money versus my family size to do so.

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 2022-01-12
Company: Westlake Services, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Description of issue : I got a pink slip loan 3 years ago and I have paid over XXXX on that loan. The amount borrowed was around less than XXXX. Most of that money has gone into interest instead of the principle, the interest on this loan is over 119 %. I have to re sign a new loan because I was given 3 years to pay it off but since I have not paid it off. I still owe XXXX towards the principal. I wanted to see what options I have, I dont want to lose the vehicle. The vehicle is not even worth that amount I have paid for or the amount I owe. Please let me know what you suggest or what options I have. I have copies of the original document I signed, the payoff letter and the amount I have paid over the 3 years.

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off a balance for deletion and it was not removed from my account. The company submitted all the information to TransUnion and they reported this file inaccurately for 2 months. I have the documentation to support and the refused to help and to me that is not fair reporting and should not be allowed to do that to consumers

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 2018-01-11
Company: Focus Holding Company
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sent a notice back in XX/XX/XXXX in which i called as soon as I got the bill. It was an old bill from XXXX XXXX. I was willing to settle the debt since it had hit collection however the amount on the bill was not the amount I was told my last bill was going to be. After speaking to the representative, I was told if I paid the amount I could today and then call XXXX XXXX to try to get them to lower the bill, they should be able to take the payment I had just made. Unfortunately, that did n't work. After making half the amount owed, this collection company still sent me to collections due to lack of payment. I told them I wanted to settle and I know how agencies work. I have this call recorded, just like they should. I would like for this to be removed from all 3 credit bureaus. I have kept my report clean, and have been working to keep it that way, but his is ridiculous. Dates range from XX/XX/XXXX until XX/XX/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 2019-07-24
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient calls my phone up to 10 times day. Starting XXXX XXXX and up to XXXX XXXX at night. I am already being garnished by XXXX, and have a child in college. I have to pay out of pocket for tuition for his schooling. They are not interested in helping just harassing me everyday 7 days a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 non-monetary relief
Consumer complaint received 2021-09-10
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This morning I tried to buy a flight with my Regions Now Card. Ending in XXXX. 
The bank kept changing my information and denying me all purchases. They also told me maybe my business was not wanted when I called to complain.

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 2022-01-12
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, my older brother called me to come to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ. My little brother had fell in the love with their puppies and needed help selecting and purchasing a pet. 

My brother called me because they wanted to purchase the dog and wanted to finance the payments. The store associate had pitched him on the " same as cash '' option where we could make the payments within a certain time period and avoid interest. Since my finances and credit score were more reliable, I came to help make the purchase and fell in the love with the dog myself. 
After 6 months of paying off the loan. There were still hundreds of dollars worth of interest. When I call Mariner Finance, they tell me the sales associate did not select the " same as cash '' option on her tablet and therefore the those terms are void. 

The whole reason why Mariner Finance Loan option was even considered rather than other options of payment was because of their " same as cash '' terms. This does not seem fair and I sincerely hope that this is not the way Mariner Finance or XXXXXXXX XXXX XXXX  plan to make money off of the customers who pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For the past three months, I have suffered from nearly constant fraudulent transactions. 

On the XX/XX/XXXX, there was a {$4.00} charge to my account that I did not intend. No charges were consciously authorized. I was attempting to get a loan, and this charge overdrew my account, which was set to not allow my checking account to overdraw. This charge, then, should have been rejected. 

I live on a fixed income, where my bank has previously stolen in excess of {$300.00} from my checking account, via a number of transactions that THEY initially identified as fraudulent. They are going to cause me to become homeless again, and these charges are ridiculous. 

Needless to say that I am extremely XXXX XXXX over all of this. I only make {$750.00} per month and I simply can't afford to be nickeled and dimed to death like this. 

I complained, and was told there was nothing they could do until the charge posted. 

In spite of the fact that there is a policy in place against levying overdraft charges when they are under {$10.00}, my account was charged {$35.00} in overdraft charges, when I didn't authorize ANY of this!!!

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 2018-01-12
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-12
Company: CITIBANK, N.A.
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:
I made a online purchase of {$800.00} with XXXX with 75 day 's delivered guarantee or full refund on XX/XX/21, I was given a fake tracking number that doesn't exist XXXX, saying it was delivered to my home. I contacted all major shipping carriers, the tracking number exist. 
Its XXXX XXXX haven't received my items or good 's yet! 
I dispute a claim 3 months ago and still Citi Bank keeps telling me I'm the responsible person every 30 day 's or so. 
I'm very agitated, plus I keep getting broken up speaking English people in the dispute specialist that doesn't even care. I have tag all documents proof about my order I need help.

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 2022-01-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The CRA 's have added fraud alerts / security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts / freezes Without my phone number these are useless. Please sent me proof the I requested the alerts / freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated an ACH transfer with Capital One Bank to transfer money from another bank to my Capital one Bank money market account on XXXX/XXXX/XXXX. Per Capital One Employee XXXX XXXX XXXX id XXXX ), the funds were received in my Capital One account XXXX/XXXX/XXXX. Per Capital One XXXX XXXX XXXX employee id XXXX ) Capital One held the entirety of the deposit without making any of it available until XXXX/XXXX/XXXX. This is a violation of XXXX law. CFR 229.10 subpart B states : ( b ) Electronic payments ( 1 ) In general. A bank shall make funds received for deposit in an account by an electronic payment available for withdrawal not later than the business day after the banking day on which the bank received the electronic payment. 

Capital One 's website funds availability policy states : Deposits made via check drawn on another bank and ACH deposits that we initiate on your behalf will be held for 4 business days. 

In other words, Capital One 's stated policy violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: ID Analytics, Inc.
State: AL
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:
It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
I applied for bankruptcy and filled but as I filled I paid off all things before submitting and they still said I went through bankruptcy.

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 2022-01-12
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over XXXX points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I reached out to this company on XX/XX/2021 about the inaccuracies on my credit report. By XX/XX/2021 all of said inaccuracies were deleted. I am reporting this complaint because it took years for them to finally respond accordingly. Because of their negligence, my life has been harder than it needs to be. I have to work 12 hour shifts to save up money for a large down payment on a vehicle because most banks dont want to work with me.This company has furnished a BAD credit report on me without my consent/written directions and them recently deleting those things from my account is proof that they admitted to violating my rights

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 2020-07-18
Company: ROBINHOOD MARKETS INC.
State: TX
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:
{$150000.00} was taken from my checking account. This was done in increments of {$50000.00} each. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Co Entry. These were unauthorized. I had no contact or knowledge of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am attaching a copy of the letter that my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond with the results within 30 days, but they have not.

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 2019-04-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ive been with chase bank for a long time.In XXXX, I applied for a chase freedom visa account onXX/XX/XXXX and was denied because my credit report says bankruptcy and credit balances are to high.FYI, in my last year of bankruptcy.They also used a scoring system called Card Acquisition risk score V2 to determine my outcome.Also, They say the key factors are number of delinquent accounts, public record of bankruptcy.I don't have delinquent accounts, infact, I have past accounts that are paid off.Again, Im in my last year of bankruptcy and it ends in XXXX.After I was denied, I applied for a loan with XXXX c/o XXXX and was approved.I ve been a customer of chase bank for a long time and im disgusted that I cant even get a loan or credit card through my own bank.

Company response to consumer: Closed with explanation