BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/2018 U.S.Bank charged me an overdraft fee of XXXX. My check deposited during the blizzard in New York and i explained this to them, I had an automatic payment that came out on the same night that my check was deposited and they clearly chose the payment over my check. I called and talked to XXXX XXXX and told him my dilemma. He proceeded to tell me a refund was given once before and said too bad we cant do anything. 
tried the XXXX but had to reject US banks answer because they gave a generic response that didn't address the problem. 
The main issue was an electronic deposit was made on THE SAME DAY. US Bank choose to overdraft instead of depositing the funds first. 
US Bank bank dealt with the charges out of order, processing the largest transaction first. 
This common practice allows banks to deplete your account faster, thus making it easier for them to charge unnecessary overdraft fees. 
Therefore I reject their business response. 
The XXXX closed my Complaint Complaint ID : XXXX Complaint Type : Business Complaint Date Filed : XX/XX/2018 XXXX XXXX Dispute Center : XXXX XXXX XXXX ( XXXX XXXX, MN ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Email : Web : 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 2018-02-02
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am not surprised Navient is being sued/accused of Bad practices. It all makes sense now. I wanted to apply for a REPAYE repayment plan however Navient customer representative on the phone said I had to apply for the INCOME DRIVE PLAN ( even though I did qualify for REPAYE ) because its the same thing as the REPAYE!!!!!!!! ... ... ... ... ... ... .really!! The Rep finally admits with SHAME in his voice! that they are different and continues my application process. Can't believe they train Navient employees to LIE & misguide us. To catch them redhanded had me disgusted. I then submit my papers required to apply for the REPAYE plan ( submitted via FAX, upload file on site, and uploaded file while on phone, emailed them too ) .. They some how never received it for over 2 months .... Finally after 2 months of calling/following up/waiting ( and continuing uploading of files ) I call them yet again and they tell me that they decided to finally push my application to start the process ... ... After 3 weeks MORE it gets processed. Now They charge me no where near the 10 % of my income that they are suppose to charge me and I end up arguing with them again for weeks until they finally decide to lower my payments to the amount the GOVERNMENT REPAYE program plan should be. This company makes you feel like your in your local car dealership. They LIE, Manipulate and mis-guide you in order to make you pay as much as possible per month. Can't believe this company does business with our government. Disgusted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a freeze on my experian credit file. I am been trying to temporarily lift this freeze but experian is being very obtuse about it. When I try to enter my PIN, it doesn't recognize it. When I try to get a new PIN, it asks me to verify my identity, which I do succesfully, but then it locks me out and tells me to contact experian via mail. It does the same thing when I try to access my credit report after credit denial. I have mailed and faxed my request but no one has responded. All phone numbers for experian are circular IVR systems designed to drive you mad. I wish this horrible company would die and go out of business.

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 2019-08-26
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2021-08-20
Company: Bread Financial Holdings, Inc.
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 made a purchase from Wayfair on their card which was then rolled over or transferred to/ taken over by Comenity Bank . I returned the item to Wayfair, as instructed, and I have confirmation from Wayfair of the return. Comenity Bank has repeatedly refused to issue the credit to my credit card. I have written numerous letters and made several, several phone calls. At one point Comenity issued a " provisional credit '' and in the same billing cycle reversed that credit ( XX/XX/2020 ). So I wrote more letters. On my statement for XX/XX/2020 the " provisional credit '', from XX/XX/2020 was entered again. That is very confusing and I do not want a " Provisional credit ''. I should simply receive a credit for the item I returned. A " provisional credit '', which could be reversed again, concerns me as it was reversed once before. Once the balance on that account was no more than the credit I expected to receive I stopped making payments on the account so as not to end up with a credit Comenity Bank would owe to me and I suspect I would never receive. Since that time Comenity Bank has charged me a {$40.00} late fee each month. I have written to several people I located online that appear to be a CEO or President, I have gotten no answers other than form letters. This situation is affecting my credit. I do not want to give Comenity Bank any more money than that I legitimately owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to 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 2018-06-21
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Since I have opened my account I have been plagued with issues such as the inability to properly access my account online or by phone. My account locks out and I attempt to follow the self-service steps to perform a password reset and I am told that I must call for an authorization code. Only to be met with a message that they are closed. I call in when they are open and am continuously met with a minimum 38 minute hold time and often the representative that answers is unable to assist or service my account. They then proceed to transfer me back to the IVR/menu and I have to go through the prompts and then be placed on another hold for over 38 minutes. Tonight alone I have spent over 2 hours combined on hold with no resolution to my problems. I've voiced my concerns to the bank and no one is interested in resolving my issue. The WRONG phone number is listed on my statements and when called direct me to a client managed department with no wait. They attempt to pull my account up and always transfer me back to the main menu where I have to manually input information to be thrown into a general queue with a magic wait time of at least 38 minutes. This is highly unacceptable.

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 2021-03-31
Company: Resurgent Capital Services L.P.
State: WI
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 sent a dispute to credit bureau about a collection ( collection name ) and I have not received and response back or any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I am being contacted by a debt collection company working for HSBC Bank to collect a balance of {$690.00}. After several voice mails threatening to bring legal documents to my home or place of employment, I returned the call to find out what is going on. I am currently working on getting my debts paid and there was already a payment arrangement in place with XXXX XXXX XXXX to start auto payments. Upon speaking with this company, I withdrew the agreement. I returned a call to XXXX XXXX XXXX XXXX and spoke with a man by the name of XXXX XXXX. I used the referred case number given. When I spoke with him, the first thing he told me was they were employed by HSBC to issue a forceful collection act against me if I did not make a payment. I explained that in the state of Pennsylvania that is illegal to threaten anyone with wage attachment. He argued with me that they can in fact sue me. I told him I was aware I could be sued, but that my wages could not be attached so I would be discuss options, but not to threaten me by coming to my home or place of employment. I do have the voice mails saved and attached the transcription. He then told me they would sue me and attach my wages. I told him to go ahead and do it. He told me " good luck in court '' and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.

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 2021-03-30
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
No response from company

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 2019-03-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I was effected by the eqaifax security breach at the time of the breach I was buying a home and all my personal info was exsposed including ssn dob drivers license number and bank info. Theives have opened credit cards in my name taken over my bank account which has caused me to fall behind on my mortgage and Im now facing foreclosure. I have contacted the credit bureaus along with the card companies trying to get things fixed and have had no luck I can even get eqaifaxs identity insurance to file a claim to help me get some of my losses recovered

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notified XX/XX/XXXX by I.Q. Data International , Inc. that I have an outstanding debt with XXXX XXXX in the amount of {$540.00}. Notified I.Q. Data International, Inc.in writing and email that I am disputing the alleged debt as I do not owe it. Contacted XXXX XXXX about dispute and was issued a refund as it was a accounting error on their part. Refund Check Number XXXX in the amount of {$1300.00} dated XX/XX/XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-17
Company: Expedite Financial, 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 had lease XXXX XXXX, lease end XX/XX/2018. ( Premium is paid automatically my bank account at XX/XX/2018 XXXX offer me New lease XXXX XXXX at XX/XX/2018. 
If I lease XXXX XXXX XXXX again, XXXX offered me that I will return my current XXXX XXXX without paying my lease payments three months in advance. 
I leased XXXX XXXX XXXX at end or XX/XX/2018. 

XX/XX/2018 I, XXXX XXXX check my credit report. 
Credit report late and none payment of XXXX XXXX before I had. ( around {$1000.00} ). 
I, XXXX XXXX have been a lot of financial problem because XXXX made wrong credit report. 
XX/XX/2018 I called XXXX XXXX finance. 
Never say excuse and if they made mistake, they do not call me. 
If I need, I must call them. 

This XXXX is so bad company for customer services. 

Pl help and collect my credit report. 

Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-24
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:
Trans Union LLC refuses to remove negative information on my credit report caused by identity theft while I was in XXXX. I was in XXXX  from XX/XX/XXXX through XX/XX/XXXX in New Mexico. I had no control over my financial accounts during this time period. This information on my credit report affects my FICO score negatively. 
XXXX XXXX XXXX  complaint filed : This message is regarding Complaint ID # XXXX Trans Union LLC Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 
We understand you are NOT satisfied with the businesss response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX   with its position. This matter is now closed in XXXX  files, and will appear in the companys XXXX  XXXX XXXX as : Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied.

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 2021-03-30
Company: AFNI INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
They sent mail to an address that no one under the name lives at and I asked to stop recieving mail and phone calls to which they said the mail would stop but would not stop calling me after I asked them multiple times to not call me anymore which is my right, this company needs to be taken down as a collection agency horrible agents over the phone got hung up on 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Experian Information Solutions Inc.
State: LA
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 disputed the items that are not mine and there some items that is still remaining that needs to be deleted

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 2018-04-08
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello The business card that I was approved for was to have XXXX bonus points credited to me after spending a minimum amount within 3 months. I have received only XXXX points. I have tried to call customer service numerous times and no matter the day or time, the same message is played that the wait time is greater than 10 minutes. I have been on hold longer than 20 minutes with no one picking up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-20
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 at XXXX XXXX Eastern Standard Time, I confirmed an online payment from XXXX XXXX XXXX XXXX XXXX for my balance due of {$190.00} on my DiscoverCard. Payment was due on XX/XX/XXXX. I had already had automatic bill pay set up through my XXXXXXXX XXXX  account, but my assumption was that because I had paid online and subsequently received a confirmation code ( XXXX, see attached ) prior to the due date, that amount would not be deducted twice. 

Unfortunately that amount was deducted twice, once via online bill pay and once via automatic bill pay. To further exacerbate things, I was charged an overdraft fee of {$35.00} from XXXX XXXX due to having insufficient funds. 

Upon speaking to Discover through their online chat function on XX/XX/XXXX ( see attached ), I was notified that though they would make a note in my account that the amount would be credited back to my XXXX XXXX  account but they could not provide any confirmation code or email that conveyed this would happen, nor would they work with XXXX XXXX  regarding the overdraft fee. It was also confirmed that had I not realized the double charging, XXXX would not have notified me of this mistake. 

On XX/XX/XXXX, I was able to confirm the amount was indeed credited back to my XXXX XXXX account. I am now in the process of trying to get the overdraft fee ( {$35.00} ) that was imposed upon my account to be waived with no support from XXXX. 

Given we are in a global pandemic with millions suffering in this economy, it is outrageous that Discover Card has this " loophole '' in their payment process. I am sure there are guardrails in place to prevent this from happening to them, were the roles reversed.

Company response to consumer: Closed with monetary relief