BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient cashed my check of {$7000.00} on XX/XX/XXXX.  When it didn't credit my account, I called and was told that the payment was sent to the wrong address and that it would take 4-6 weeks to get my refund. 

Refund NOT received by XX/XX/XXXX. Told that refund was sent to department of treasury on XX/XX/XXXX and that processing takes 4-6 week before I receive refund via US mail. I will receive refund by XX/XX/XXXX. **Requested letter that documents this, but the letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that the check was approved by Dept of Treasury on XX/XX/XXXX. I should wait another week and call back. 

Refund NOT received by XX/XX/XXXX. Told that the check was processed incorrectly and will be another 2 weeks. They will send money electronically to speed up process. **Requested letter to document this, but letter has not been received. 

Refund NOT received by XX/XX/XXXX. Told that my account does not show that the check has been sent. The US Treasury has approved the payment, but we have to wait on them. Told to call back tomorrow. ***Said a " manual '' letter, documenting this problem has been drafted ( but I have not received any letters as of XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Lewis, McDonnell & Associates
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello, My name is XXXX XXXX. I now live in Tennessee and While off of work on XXXX Lewis McDonnell Associates called my place of employment. They also called on XXXX and threated to come up to my job. I had no knowledge of this case nor have I ever received anything from them. I spoke to someone named XXXX ( who refused to give last name ) was completely rude on XXXX. After calling my place of employment for a Second time telling me he doesn't care, this isn't customer service. I asked him to stop the calls to my place of employment, and let him know about Debt Collections Act doesn't exist. After I told him that they are violating this Act. He said that the calls wouldn't stop and that I would be getting served at my place of employment. and that no such act existed XXXX was yelling and completely and utterly unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: BARCLAYS BANK DELAWARE
State: NC
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 WAS CHARGES FOR SOMETHING I DID NOT AUTHORIZE. ON XX/XX/17 XXXX XXXX XXXX CHARGED MY ACCOUNT {$6700.00} ON MASTER CARD BARCLAY # XXXX I CALLED IN AND REPORTED FRAUD REP FILED FRAUD COMPLAINT I DID RECIEVE THE CREDIT ON MY NEW CARD THEY SENT ME BUT THEN A FEW MONTHS LATER THE CREDIT CARD SENT ME A LETTER STATING THEY WERE TAKING THE CREDIT BACK .... I NEVER DID BUSINESS WITH THIS SAID COMPANY AND I HAVE NO IDEA WHO THEY ARE. PLEASE HELP ME GET MY MONEY BACK ... WHY WOULD THEY CREDIT MY ACCOUNT AND THEN TAKE IT BACK. THIS IS NOT RIGHT THAT MASTER CARD BARCLAY ARE NOT BACKING THERE CLIENTS. THIS IS SENIOR CITIZEN ABUSE.. I NEED MY MONEY BACK. THIS IS ALOT OF MONEY ... I LIVE ON A FIXED INCOME AND THIS COMPANY STOLE FROM MY ACCOUNT. PLEASE HELP 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 2018-05-09
Company: Experian Information Solutions Inc.
State: AL
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:
Experian has been notified of my incorrect account balance for a XXXX account which should be showing 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 2021-07-15
Company: JPMORGAN CHASE & CO.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received these 2 letters for, Chase asking for settlement on accounts that are not mine. 

I am using XXXX XXXX XXXX to settle some debt and they have everything i have except XXXX card, XXXX card and XXXX XXXX  card. Along with my car payment thru XXXX XXXX 

I've talked to my attorney and was instructed to report to you. 
if it was legitimate they would have my attorney 's name and number/ I dont think i have ever done business with chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have reason to believe that there is incorrect personal address information reporting on my credit report. I am requesting a free copy of my credit report for review.

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 2019-01-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I got a card from Citibank called Double Cash Card which offered me a promotion of 0 % APR for balance transfer for the first 15 months. I got the card and used it to pay my balance with the IRS and Maryland taxes. Then, the Citibank said that those specific transactions were not considered balance transfer and they charged me interests from the very first month. I checked their information about this card and they don't specify that paying taxes balances are not considered balance transfers.

This is not the first time I pay my taxes with credit cards that offer 0 % APR on balance transfer. One of those cards I have used in the past to pay my taxes was also another card from the Citibank. All of those cards have always considered taxes payments as a balance transfer I don't understand why the Citibank didn't do it this time.

As I said, I also checked the information the Citibank provides about this " Double Cash Card '' and they don't specify that paying taxes balances are not considered balance transfer.

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 2018-06-20
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: 1ST ALLIANCE LENDING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
1st Alliance lending took my loan application in XXXX XX/XX/2019. After a month of working with them. I sent my Earnest money deposit for a home after getting a mortgage pre-approval. I secured the purchase contract, got the appraisal done, paid for the home inspection and paid of a bunch of my small debts. I obtained a lawyer and she was already working to close. I was told my Mortgage was with underwriting and I should have been closing on or about XX/XX/XXXX. I bought a XXXX   for storage and was preparing to move. Things had been moving along until XX/XX/XXXX when XXXX XXXX The President of 1st Alliance called me and told me via phone that because my title work was taking a few more days than expected they would not fund my loan. No loan denial letter was sent, no disclosures, nothing. I had to find a new lender and start all over. XXXX sent my Mortgage file to XXXX XXXX without my permission and when I told that lender I didnt need her help she harassed me via text message and phone calls which I have screenshots of. This cost me over {$6000.00} and I want those funds recovered immediately. Otherwise I have no choice but to sue. My attorney is prepared should they decide not to make arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I am XXXX XXXX sailor in the military I have contacted Capital One Bank  and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX I have spoken to ther credit card department, auto loan department and the Capital one 360 banking on several occasions requesting proof of my signature for over 20 inquires for Capital One 25 for XXXX listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized capital one to pull my credit on 2 occasions XXXX XXXXXXXX credit increase and XXXX XXXX auto loan  . I have authorized XXXX to pull my credit for auto loan XXXX XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX   XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (Capital One)XXXXI hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Harley Davidson Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My motorcycle was stolen in between JXX/XX/XXXX-XX/XX/2019 and my insurance company XXXX payed the motorcycle off and I didn’t know I had a balance left over, which I payed once I found out about the unpaid amount. I called to talk to someone About my situation which they just blew off. So I filed with each credit agency to have the late payments removed for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 but they keep saying it’s accurate.. my account is 100% on time..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Have an old XXXX XXXX account that's been current on payments since XX/XX/XXXX, but keeps showing severely late. I've already addressed this issue directly with XXXX XXXX   and they advised that the problem isn't on their end but how the credit bureaus are showing my payment history. Instead of noting the arrears as a past open account with current payments the bureaus are reflecting an old account with severely late payments from XX/XX/XXXX to current date ( XX/XX/XXXX ). I've attempted several times to address this with the bureaus to note the account and payments correctly. However, it is still not corrected. I have copies of pay stubs showing these payments on time set on auto deduction. Why is this still not updated? The bureaus all need to get on the same page and update how they view and notate XXXX XXXX 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 2019-01-15
Company: Navient Solutions, LLC.
State: IL
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:
I have been attempting to get lower payment options since XX/XX/2018 when I received what my payments would be increasing to. All of last year I was working on catching my loan up and making them current. I had to make a minimum payment but overpaid a little every month. I ended the year in good standings. I owed {$5.00} but I paid $ 20-40 a month. I paid as much extra as I could. I was emailed in XXXX and told my payments increased to over {$90.00} a month. I'm a single mom and can't afford that. I have reached out to them online twice, even allowed them access to my tax information. I made some kind of payment but now I'm behind and it's only XXXX. I mailed in financial hardship information and still haven't heard. I feel like they aren't responding to me so I will fall into default again and will be forced into another year of interest. I feel my student loan has more than doubled since I even got it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
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:
I am active duty sailor in the military I have contacted XXXX XXXX XXXX  and USAA XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX I have spoken to ther credit card department, auto loan department and the XXXX XXXX XXXX banking on several occasions requesting proof of my signature for over 20 inquires for XXXX XXXX XXXX for USAA listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized XXXX XXXX   to pull my credit on 2 occasions XX/XX/XXXX credit increase and XX/XX/XXXX auto loan  . I have authorized Usaa to pull my credit for auto loan XX/XX/XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (XXXX XXXX)(USAA)I hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 disputed an account reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/18 I went to withdraw my XXXX funds in order to deposit them in my BMO Harris checking account to pay my bills. I was using BMO Harris 's ATM. The ATM gave a display of " This transaction could not be completed at this mentioned '' and gave me a receipt stating that it DID give me my cash. 
I then went to BMO staff and explainedy problem. They stated that I needed to file a " charge dispute '' with XXXX XXXX, as if it was like a purchase at some store. I suggested the count the money in the ATM and see there was an excess of {$740.00}. They wouldn't do it. 
In a nutshell, I made a withdrawal at BMO Harris and did not receive my money. Now BMO Harris has my money and I don't.

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: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and my wife and I were working on our credit reports and we started to research different things related to credit. We found that we could dispute inaccurate information directly with the three credit reporting agencies for which we did and were able to clean up several mistakes we noticed that were reporting. However we also learned that there is a statue of limitations for each type of item that reports and for some reason there are a few accounts the bureaus have continued to list even after disputing that are past the statue of limitations such as : Four accounts with XXXX XXXX Co XXXX, Two accounts with XXXX XXXX XXXX XXXX and the other XXXX. XXXX XXXX   XXXX, Four accounts with XXXX XXXX XXXX, XXXX accounts with XXXX, Two accounts with XXXX XXXX XXXX, 4 accounts with Specialized Loan Servicing and then One with 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 2019-01-15
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email alert saying I have a new document to read on my XXXX XXXX credit card account online ( in XXXX of this year ). In the letter stated they were closing l my credit card due to inactivity. I had a XXXX  balance on it and had it for over a year. In XXXX of this year we had this COVID 19 pandemic. I obviously wasnt worried about using my credit card to buy bras panties ect when my grandfather was on his death bed for a couple of months. I tried re applying and was told they usually do not re open closed accounts. I dont understand it was on good standing besides the 2 times I was having bank issues and my checks bounced. But that wasnt the reason for the closing because I changed my bank continued making payments and purchasing. Id love to open a new card. I tried already and got deed. Its on my credit report and Im worried it has impacted my score. This same exact thing happened with my Victoria Secret credit card and my XXXX XXXX credit card. I need some advise on what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CITIBANK, N.A.
State: TN
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 receive my credit report and notice that this company was showing as an inquiry on my XXXX  from CBNA on XX/XX/2018. I'm unaware as to who this company is and I did not authorize my credit to be viewed by this 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