BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I've been a loyal customer of Chase for years and with the recent pandemic, my business slowed. I was charged a {$95.00} annual fee for a card I have not used in a while and trying not to as I navigate the COVID environment business wise and the loss of business income. I asked for a courtesy waive of the yearly fee as I've always maintained my accounts in good standing and the agent rudely declined. I felt that not only was she not able to resolve my concern but was very rude in my interaction. 

I am requesting for a review a waive of the annual fee for this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has invaded my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2020-05-06
Company: Experian Information Solutions 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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.

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 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account with capital one. The account was in good standing until someone stole my info and charged on the account. I do not know who did this. I have tried to dispute this matter as well as went through the credit bureaus and have not had any help from them. I was sick with XXXX XXXX and during treatment out of state my identity became compromised which led to many accounts being opened and used fraudulently. I have since out fraud alerts on my credit reports. Please help to resolve this issue. I have attached my XXXX XXXX XXXX XXXX XXXX ID card a well as XXXX letter to show I have been a patient and treating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: National Credit Adjusters, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
National Credit Adjusters placed a debt on my credit report on XX/XX/XXXX that I have no knowledge of nor did I ever receive written communication regarding this debt. National Credit Adjusters never sent me any type of written communication or proof that this debt belong to me. This company did not try to contact me regarding this debt or provide proof prior to placing this debt on my credit report. Per FCRA debt collectors are legally obligated to send out written notification/bill regarding debt as well as giving a consumer 30 days to dispute/respond PRIOR to placing a debt on a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 askes transunion to verify that information on my credit report is reporting 100 correct. transunion fail to reply with in a timely matter

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 2022-12-08
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed XXXX orders with XXXX XXXX XXXX XXXX XXXX  on XX/XX/2022. 
1st order : XXXX XXXX XXXXXXXX {$98.00} XXXX XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX  {$40.00} Total purchase # 1 {$150.00} this was an incorrect order and wrote email to vendor to cancel. received acknowledgement but no action or further response received. There is a XXXX cancellation & return for full refund. Communicated to Synchrony & XXXX but didn't provide return address. 

2nd Order : XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX {$38.00} XXXX XXXX XXXX filters {$48.00} Total purchase # 2 {$360.00} this order was received nearly 2 months later. I contacted vendor by website mail, XXXX and Synchrony Bank to cancel but no response other than research/investigation from credit card. XXXX was received but I didn't need this any longer. Attached is Synchrony Bank 's summary of transactions and dates. It will make you dizzy. Neither XXXX or Synchrony Bank provided the vendor 's customer service contact and shipping address. I was given a phone number on the statement but that didn't work.

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 2020-09-12
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System is reporting a debt of {$520.00} owed for a XXXX Account that is not mine. Not only is this debt not mine any accounts opened prior to XX/XX/XXXX should have been addressed in my federal Bankruptcy filing on XX/XX/XXXX. Neither XXXX nor IC System at the time contacted myself, my attorney nor the The Federal court. By law if IC System purchased this debt from XXXX they had a legal obligation to mail documentation notifying me of any debt owed, IC system did not do this. Nor have they provided me with any proof that a debt is owed to them. IC System has violated numerous section of the FCRA. I worked really hard to deal with any issues with my creditors during bankruptcy. XXXX had a obligation to show up and collect any debts they feel were owed. They did not. Also I have a current account with XXXX and if a debt was owed to XXXX it would have been due prior to activating services. IC system is attempting to fraudulently collect money they are not owed. I C system has until XX/XX/XXXX to remove this debt from all reporting or my attorney XXXX XXXX will be filing charges against IC system and XXXX on XX/XX/XXXX. This is my final warning to IC System, XXXX and all Credit Agencies you have 30 days to remove this or we will go to court.

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 2020-07-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I signed up for the XXXX XXXX XXXX XXXX on XXXX/XXXX/2020. This card is issued by Synchrony Bank. One of my main reasons for signing up for it was due to the advertised benefit of Price Protection. The benefit is listed as current on the XXXX website ( https : XXXX # XXXX  ) and is even stated in the guide of benefits that accompany the card received from Synchrony Bank XXXX However, when I try to call and inquire about the benefit from the benefits administrator, they state that the card is ineligible for Price Protection. Nevertheless, Synchrony Bank customer service affirms that the benefit still exists but could not provide an exact path to how the benefit can be used. No phone number or website that will direct me exactly to this benefit. I have tried every route of contact on the guide of benefits, but the benefits administrator keeps stating this card does not have the Price Protection benefit. Therefore, I am writing to complain about Synchrony Bank customer service that is incompetent about its products. In addition, I would like to bring to attention the misleading advertising that Synchrony Bank uses on its website and its mail prints. This bank is advertising benefits that have no basis and are, in reality, not available 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 explanation
Consumer complaint received 2020-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020, my partner and I opened a business checking account at Capital One Bank. We deposited {$250.00} that day. On XX/XX/2020, I transferred {$25000.00} into the same account. On XX/XX/2020, the account shows the funds deposited but, inexplicably, {$0.00} are available for use. After hours of being routed and rerouted on the phone with the bank, we were finally told that no further explanation is available. We are a XXXX XXXX XXXX  and desperately need access to our funds. The bank has stolen our money from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a XXXX XXXX  as a XXXX XXXX and an XXXX   XXXX with a XXXX XXXX. I got a loan sent to my bank of America and my account was shot off, I cant get access to my money or do online transactions to pay my due Bill 's or make a withdrawal. I called Bank of America and they told me it because I received a large sum of money and they flagged my account and my account is pending closure. It been about 2 weeks now and nothing positive has happen. I called them recently and they not giving me any explanation as to what's happening with my account, I can provide information from the organization I contracted with as an XXXX XXXX doing business. They only told me they doing investigation and my account is pending to be close.

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 2022-08-13
Company: Bread Financial Holdings, Inc.
State: CA
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 account is through XXXX XXXX My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-27
Company: Social Finance, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My daughter is refinancing and existing loan with SOFI which I am a consigner. However in the final loan discloser will not sent be sent to me as a consigner for approval. Two service agents told me the consigning application in essence says that that the cosigner agree to whatever term the primary borrow chooses. They also said say that final disclosed term will only be sent the borrow for approval. This does not seem right. The consigner should always be notified and required to approve the final loan terms. Does the law allow bypassing the consigner? If so, the law should be changed to required consigner 's approval of the loan terms. Also, both agents said that they have received many other complaints about this. It only reasonable the consigner to know and approve of exactly what they are responsible for. Attached is copy of the loan appilication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: FL
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:
Dear bureaus. recently I received letter from collection which I paid in full. Debt has {$0.00} balance. I am requiring to remove this collection from my credit report as soon as you can. As a proofs I attached all my personal info and letter from collectors where you can see then I do not have debt anymore.

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 2021-12-05
Company: EQUIFAX, INC.
State: MS
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquires that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We dont have a XXXX XXXX loan number Just a application number from BOA. XXXX. 
We applied for the XXXX in XXXX through Bank of America. We provided all the necessary documents multiple times, ( Before covid we were in the process of a XXXX loan ) We received a confusing letter from BOA on XX/XX/XXXX that they did not have all necessary the documents ... We then were directed to go through BOA intranet service and could see see all the documents. This did not work from the get go. After weeks of back and forth we finally were able to get the application ( see above number ) On XXXX  XXXX we received another letter from BOA stating that the loan application was denied because there is already a XXXX loan affiliated with our XXXX. ( XXXX ). We do not have a XXXX loan we never signed or were given a promissory note nor have any funds related to XXXX been disbursed or deposited into our Bank account. Since then we have been trying to resolve this with our local BOA rep XXXX XXXX out of XXXX XXXX Florida he sent us over to XXXX XXXX which never once returned a call or responded to our emails. BOA reps continue to avoid responding and have supposedly escalated the matter 3 times and is now in California. Most recently I have spoken to a BOA rep named XXXX XXXX from California ID XXXX ( XXXX XXXX ). On XX/XX/XXXX he reached out per phone call. He could not tell us anything other than it is escalated now for the 4th time and that someone would be reaching out typically within 72 hours and no later than a week, It has been over 2 weeks now and we have nothing. 
It seems our XXXX was used by someone else and the funds are locked or something else. Since we can easily verify that we have not received funds we these funds deposited into, our business account immediately. After funds are received moving forward I am happy to do whatever it takes to help resolve this fraudulent case.

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 2023-05-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Federal Reporting Act, this creditor, Freedom Mortgage has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy, 15 USC 1681 604A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1681 section 623 ( a ) ( 7 ) states, Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information. None of these actions were appropriately taken.

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 2021-12-05
Company: Credit Control, LLC
State: DC
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:
XXXX XXXX XXXX XXXX employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer reports by using different XXXX XXXX XXXX XXXX addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. Credit Control , LLC purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from XXXX XXXX XXXX XXXX. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from XXXX XXXX XXXX XXXX. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.

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 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Someone used my identity to apply for a credit card & multiple loan account

Company response to consumer: Closed with non-monetary relief