BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: BBVA FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
BBVA recently acquired my previous bank, Simple on XXXX. I had tried removing my funds prior to this from Simple, but they had locked all funds from being transferred. On XX/XX/XXXX I began the process of transferring my funds from BBVA to another account, so I could close that account. On that day, I initiated a transfer of the maximum amount, {$5000.00}. I was told that this transfer would take 2 days to complete. Today, XX/XX/XXXX after 9 days have passed, this transfer is still showing up as " under review ''. I simply want to remove my funds from this bank I didn't choose and close the account, however for the last 4 days of calling this banks customer service line, I have received no help or solutions. I'll either spend hours waiting on the call line to get hung up on, or have to speak to someone that seems to have no clue what's going on. At this point, I feel like I'm being held financially XXXX by this unsolicited bank. I'm just lucky that I was able to set up my direct deposit to my new bank and transfer some small amounts to keep me afloat. I will here on out advise anyone I know to stay away from this bank. It seems to me what they're doing right now, is not only bad business, but frankly, it shouldn't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-11-30
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a credit card with chase bank and thought I was on a 3 month deferment program because right before I previously Was, it turns out I was on a 1 month. This is due to me losing my field of work in California due to COVID 19. So I received a notification from experience that I had a 30 day past due acct with chase. So I immediately tried to login to my app which usually has all my info, there was no acct info at all. So then I logged in on my computer, no acct info either. So I proceeded to contact chase bank and asked them why I wasnt notified of being late at all. I had no emails, paper mail or phone calls on a XXXX dollar acct. so they said that I was contacted under the number XXXX, which was my number 13 yrs ago when I banked with chase. I applied on had gotten this card a year and a half ago with the number XXXX. They proceeded to tell me even though they used a number thats 13 yrs old it was my responsibility to stay on top of my finances.even blink fitness calls me if Im a couple of days late. I havent been late on a payment in several years. Also because the acct is past due I cant defer the minimum payment which I need to do because I cant pay it right now. So all in all, I received no notifications from chase once so ever and cant even view acct info online or on my app which I was able to do a couple of months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: NJ
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 did not authorize nor consent to the following inquires being furnished on my consumer report. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a complaint and Experian lied and said these accounts do not appear but the false accounts by XXXX XXXX and XXXX XXXX are is still being reported despite their lie that they are 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 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXXI made an instore purchase for jewelry. the store clerk sold me on opening a store credit card for 10 % and my total purchase came to {$22.00}. 

On XX/XX/XXXX I received a call that my account is over 60 days late with a total amount due of {$77.00} which I paid on {$77.00}.

I had not received any bill or notice of late payment before this. The Kohls rep I spoke to on XX/XX/XXXX at XXXX said he confirmed the address they have on file for me is correct and that they mailed a statement in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I never received any of these. I'm otherwise very good with paying every bill on time and have scores over 800. 

It's very unfortunate that I opened a new card for a mere {$22.00} and never received even the first bill, so easily overlooked this as a monthly payment. The kohls rep said there was nothing they could do about this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: Experian Information Solutions Inc.
State: CA
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 received correspondence from XXXX XXXX XXXX XXXX  dated XX/XX/2021. In the letter, it mentions needing additional information in order to thoroughly research your credit bureau reporting dispute. 

I asked for documentary evidence for the XXXX XXXX XXXX XXXX  account reporting on my consumer reports because there is a billing error. 

There appears to be a billing error on my consumer credit reports from XXXX XXXX XXXX XXXX. As such, I am requesting documentary evidence pursuant to 15 U.S. Code 44.

Documentary evidence includes all documents, papers, correspondence, books of account, financial and corporate records.

Books of account - Any journal, ledger, and supporting vouchers included in a system of accounts.

Financial records are documents that provide evidence of or summarize business transactions. A well-organized set of financial records is an essential part of an accounting department. At the most detailed level, financial records can include invoices and receipts. At a more aggregated level, financial records include subsidiary ledgers, the general ledger, and the trial balance. At the most aggregated level, they include the income statement, balance sheet, and statement of cash flows. 

Generally accepted accounting principles ( GAAP ) refer to a common set of accounting principles, standards, and procedures issued by the Financial Accounting Standards Board ( FASB ). Public companies in the U.S. must follow GAAP when their accountants compile their financial statements. 

Since XXXX XXXX XXXX XXXX  is publicly traded, its financial statements must adhere to rules established by the U.S. Securities and Exchange Commission ( SEC ). The SEC requires that publicly traded companies in the U.S. regularly file GAAP-compliant financial statements in order to remain publicly listed on the stock exchanges.

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 2019-05-09
Company: The CMI Group, Inc.
State: SC
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:
A certified letter was sent to credit management on XXXX of 2019 for account XXXX and the amount of {$250.00} to dispute. The credit management responded by deleting the account and removing it from my credit, but unfortunately it was only removed from one bureau which was XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
from XXXX XX/XX/2020 until today XX/XX/2020 i couldnt usde my card then i tried calling customer service of bank of america and got the run around and no help resolving the issue my amount i have on the account is $ XXXXi need a replacement card or have them transfer my money to my other bank

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 2021-10-06
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a cd with bank named POPULARXXXX  that has matured on XX/XX/2021 I want to close and transfer this cd to my external checking account bank will not close the CD producing all sorts of excuse. plEASE Kindly take necessary action. 

Name of the bank : POPULARXXXX BANK PHONE XXXX MY EMAIL : 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 explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: MA
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:
Reported a late payment that I actually paid on time

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 2023-06-29
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt Owed was Paid Directly to the OWED Creditor XXXX XXXX However the Collection company Is trying to stay on my report they had no involvement In collecting this debt now as I aware of them until after XXXX was paid I want the Remark DELETED from my consumer report

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never signed a contract with this company for services or financial gain.

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 2017-12-14
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter stating my application was declined due to " Credit History of Personal Guarantor ''.  The only phone numbers on the letter were for XXXX and XXXX. I called several phone numbers and finally got to someone on XX/XX/17 who could see my application. I talked to XXXX. XXXX just kept telling me I had to call the credit bureau. I asked him what the denial meant and he did not know. I asked for his supervisor and got XXXX. XXXX would not tell me any more. I asked if I could have a more detailed info mailed out. She said no one knows why. I asked I can call the credit bureau and look to see whats on my credit report but that does not help me tell why you rejected me, so could you send me a copy of your underwriting guidelines to help me figure it out. I was denied. She all but hung up on me. 

Trying to get a credit card for XXXX should not be this hard. I already have a credit card with Synchrony bank, so there should be no reason why I can not get this one.

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 2019-05-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has a collection account on my XXXX  credit report that was paid back on XX/XX/2016, I went to dispute this item to remove it from my credit report it came back not paid so I went to dispute this with them asking for them to prove that they own the debt to send me purchase agreement with a bill of sale or signed agreement with the original creditor then I ask for them to send me prove that I owe the debt like signed document they failed to comply to my request. I send them two certified letters and refuse to take it off my credit report. and they changed the account on credit report too.

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 2021-02-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: LD Holdings Group, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan installment is $ XXXX/month. 
Loan taken out in XXXXXX/XX/XXXXpayment due in XXXX. 

On XX/XX/XXXX, I called customer service and made a payment of {$1100.00} to cover my XXXX, XXXX, and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

On XX/XX/XXXX, I called customer service and made a payment of {$740.00} to cover my XXXX and XXXX payments. 

Today, they say one month 's portion of the XXXX payment was applied to principal, so I am past due one payment. They will open an investigation, and may, or may not, credit my account for making 7 timely payments. 

I would add that, # 1, this company has changed over to new software in XXXX of this year, and really has very little information concerning account activity prior to that time. And # 2, when i called in XXXX, they certainly did not tell me my account was past due. 

Now, they insist you can not pay your account ahead and there is nothing they can do? I do n't have an extra {$370.00} to send them simply because they are incompetant? This will adversely affect my credit score, which i was trying to repair with this loan, It is very unfair.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mother passed away, and I have taken over her mortgage payments. 
Since XX/XX/2019, I have assumed the debt owed on our family home. 
I have sent the mortgage company official documents proving I am the executor of the estate from my lawyer. 
I have also provided them with an updated 911 address, since the address they have on file is no longer valid after the re-zoning. 
They have not offered any assistance on refinancing in my name. 
Only stating that I am listed on the account, but this is unofficial/not valid for refinancing. 
They have not updated the 911 address, despite documentation from our XXXXocal county office. 
I would like to refinance the mortgage with another lender, but this company has made this extremely difficult!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On or about XX/XX/XXXX I received an email from Goldman Sachs letting me know of a bank promotion which stipulated that if I deposit at least {$10000.00} in my savings account and kept it for 90 days I would get a bonus of {$100.00}. I deposited {$10000.00} into my savings account on XX/XX/XXXX. Since I didn't receive the bonus, after XXXX days on XX/XX/XXXX I contacted Goldman Sachs. I was told that I met all the conditions of the promotion and I would get the bonus within XXXX business days. After XXXX business days on XX/XX/XXXX I contacted the bank again, and this time I was told that they would open a case to find out why I didn't receive the bonus. I opened case XXXX. When I opened the case I was told it would take 1 to 3 business days to resolve. After 3 business days I called again and I was told that I would get the bonus within 1 to 3 business days. After another 3 business days I called again and this time I was told that the promotion department would contact me regarding this. As of today, no one has contacted me, and after repeated phone calls I still have not received the {$100.00} bonus. Over the last week I called at least 6 times. Each time they tell me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Navient Solutions, LLC.
State: IN
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 tried to dispute some delinquencies that Navient placed on my credit report viewable on all major Credit Bureaus and they refused to honor my well-grounded dispute. Just to provide a brief description of the disputed delinquencies, I have 3 late payments listed on all 9 accounts I have with Navient and some show up as 150 days past due. The repayment process was scheduled to begin on or around XXXX of XXXX, around the time the 6-month grace period was to expire, with the first monthly payment scheduled for XX/XX/XXXX. 

However, during the summer of XXXX I was enrolled at XXXX XXXX XXXX XXXX as a student particularly on the dates of XX/XX/XXXX through XX/XX/XXXX. Per the FSA, a 6-month grace period is granted to students who borrow both subsidized and unsubsidized loans before they begin repayment although interest can accrue. This would mean that my grace period would have begun on or around XX/XX/XXXX instead of XXXX of XXXX. During the time I was under the impression the grace period expired, I was in the process in the process of applying for the Income Driven Repayment program which I was later approved for and my it extended my repayment to XXXX or XXXX of XXXX. I have attached my student ID, my account activity summary, my student profile, and my transcript all of which will corroborate the Student ID number. Also, the profile and account activity summary corroborate my address. Most importantly, the account activity summary and transcript will corroborate and confirm that I was attending classes as a student at XXXX XXXX XXXX XXXX from XXXX of XXXX through XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
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 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/XXXX my husband and I purchased flooring from Lumber Liquidators and paid to have them install it, using our XXXX XXXX XXXX. The installation was not completed because they were missing trim pieces. I was very unhappy with the installation ( unlevel, cuts where they should not be ) and I informed XXXX XXXX immediately. They contacted the flooring company, who was supposed to come to see the issues but did not call to do so. I had a contractor look at the issues and he ended up completely redoing the floor as it was unlevel, cut improperly and laid so badly it had to be redone. 
I filed a dispute with XXXX XXXX XXXX for reimbursement of the installation cost which I had to pay to have redone correctly. I submitted copies of the emails, pictures of the mistakes, which showed I had been in contact with XXXX XXXX immediately following the install. I had to submit this a 2nd time as Chase could not find the information after I first sent it and had not addressed this the first time. I received a letter from Chase with a copy of XXXX XXXX response, saying I had never reported the issue. I had sent Chase a detailed letter including emails that I had sent to Lumber Liquidators, which the manager had replied to, which clearly showed I did report the issue. Chase found in favor of XXXX XXXX even though I proved they were lying. I filed another dispute and asked to speak to the reviewer, but was never allowed to. I submitted multiple requests by letter and telephone call to Chase requesting I speak to someone in person, but was never contacted despite being told I would be. At this point, Chase said too much time has now passed to reverse this.

Company response to consumer: Closed with monetary relief