BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
Company: SYNCHRONY FINANCIAL
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company has added all types of fees to each of my accounts, XXXX of dollars. When I ask for a itemized list of charges, they send a total of what I owe, that is it. They ignore my letters and phone calls. They have lied in court about total amt. of debt. I have received nothing but false totals since I started with them. I just want correct totals so I can pay and close the files and start anew. Please help, nothing I say has changed this company policy on how they go about collecting there debts. I have been paying monthly and still they garnished all bank accts. even my childrens ( where they got the bulk of monies ) and them while paying monthly still went ahead and garnished my wages. This is bullying me to pay more money then I have. Not a nice company at all.

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 2021-03-01
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector continues to call my work phone number ( XXXX ), leaving a voicemail stating that I need to call them back, with no other details provided. They called three times on XXXX ( XX/XX/26 ) night after business hours. I have already submitted a complaint regarding this company once before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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: Old information reappears or never goes away

Complaint:
I have contacted Experian Agency many times before ; last time was on XX/XX/2020 and spoked to XXXX XXXX XXXX about a Fraudulent Medical claim which has been dublicated now even though was paid initially by my Insurance. Both were Unprofessional, Rude & refused to solve & investigate my claim, as it happened every time i contacted Experian. I believe that Experian does it on purpose to consumers in order to sell credit reports with negative items ( which are more expensive ) to Suprime Lenders, as many Studies proves that in addition to that 80 % of Experian Credit Reports have mistakes. Only a Criminal Enterprise will act this way, maybe they are. Obviously is known that Experian Bribes Corrupted Politicians in order to be in business and Ignore the Law, just like a Mafia. Only in America.

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 2021-03-01
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dar Sirs, I actually do have two problems with US-Bank : I am not a member of XXXX XXXX membership, I closed all my accounts at US-Bank, as well the CreditCard.

US-Bank is still showing the CC.

Even after many calls, US-Bank is not closing the CC.

I is waisted time to send emails to US-Bank as well to call, nobody cares.

Beside this, I get every week a message from US-Bank : As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. 

I am not able to stop those unwanted emails. I am not!!!!!!!!!! a member of XXXX XXXX, I never signed in for that!!!!!!!!! 

Today I called XXXX  again and here is what the person - a man - recommended : go to cfpb!!!!!! 

In my mind, this is the peak of impertinence.

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 2020-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
Account XXXX : XXXX XXXX : XXXX I would like to get a full refund for the defective printer that I returned XX/XX/2020. I provided Capital One with all requested information on XX/XX/2020 regarding the dispute however they still billed my account. please see attached paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
When Hurricane Irma affected my home, I entered in a Foreberance Process with Bank of America due to the natural dissaster, in the midle of the process Bank of America sold my mortgage to another Servicer and reported my account as MORE THAN 120 DAYS PAST DUE, I call them and tehy told me they woul fix the problem with the credit bureau, They didn't do it and now I am having problems refinancing my home mortgage, this false/maybe ilegal information is in all three credit bureaus, how come in the midle of a hurricane economic problems they do that to a customer, selling the mortgage ( wich is ok ) but reporting it as a delincuent. They lied to me telling me they was going to correct it and they did nothing, now my interes rates are going to be impacted by that irresponsible actitud and bad service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Made an {$8800.00} cash payment to my Fifth Third Bank credit card on XX/XX/XXXX. Despite this payment being cash, a hold was placed on the account. I discovered this when attempting to use my card while on vacation in XXXX, Colorado. After discovering this, I spoke with a supervisor at Fifth Third 's customer service number who looked into the payment and removed the hold after discovering it was a cash payment. Days later, after attempting to use my card I discovered that a hold has been placed on my account again. I've called Fifth Third a half dozen times to get this hold removed and I've received excuses from the fraud the department that vary from they can't see what type of payment was made or that they can't release the hold due to policy. I don't understand ( 1 ) why the hold was placed on the payment in the first place, given that it was cash ( even if I have had payments returned in the past, they shouldn't be allowed place a hold on a cash payment given that there's no risk of the funds being returned or stopped ; or ( 2 ) why after the hold was lifted, they re-applied the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello My name is XXXX XXXX, I [ me and my wife ] received a FHA mortgage and it wound up in the hands of Wells Fargo XXXX Al. Although we have made regular payments for the last 10 years and paid down to 80 % of the original appraised price. 
I called and requested the mortgage insurance be removed, I was denied and told I could request again at 78 %. Why is this? I have NEVER been foreclosed on, I have a good credit score, and we make good salary. Why should I be forced to continue to pay this insurance to the ones who own the loan and set the appraisal. I was told by letter, after I had spoken with them on the phone the PMI could not come off until 78 %. 
Was told I could send {$1500.00} applied to principal would get to 78 %. But it could not be removed until 78 %.

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 2020-07-07
Company: FIRST PORTFOLIO SERVICING 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:
FA Peaks just started reporting to my XXXX  credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with FA Peaks. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the FCRA and FDCA. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with FA Peaks (  who is currently in a class action suit for fraud ) and XXXX  for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrong person the account Account info Account name XXXX XXXX XXXXXXXX XXXX not mine doesnt 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 2020-02-25
Company: National Credit Systems,Inc.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is not me, you have confused me, with some one else.please stop reporting this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
About XXXX of XXXX I submitted a request for a COVID-19 forbearance for my student loan held by NelNet. It was approved and remained in place until about XXXX of XXXX. It was widely reported that student loan payment relief was extended through XX/XX/XXXX. In XX/XX/XXXX, NelNet began to contact me about repayment and it was even a much higher payment than it should have been in relationship to my income-based repayment plan that was approved on XX/XX/XXXX. It was in the $ 700/month range rather than the $ XXXX/month that it should have been. That notwithstanding, my loans should have remained in forbearance as they had been for the previous 7-months or so. Nothing changed and again the relief was extended to XX/XX/XXXX. In about XXXX of XXXX I received notification for XXXX  and XXXX that my NelNet loans were greater than 90-days delinquent ( about a year in total ). I called NelNet and they ended up applying a forbearance that brought my account current, which is now reflected on my credit report, but my credit score dropped from XXXX to XXXX, over XXXX points and that drop is still reflected today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 feel i'm a victim of identity theft because someone attempted to apply for items in my name. I went to file a police report but they told me because nothing was stolen only an attempt that I would have to file a complaint with the Consumer Financial Protection Bureau in order to get a solid resolution and report to the bureaus. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX FIN - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 2019-06-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Filed a dispute with Experian and XXXX for identity fraud items, info unchanged, then got court orders, dismisslels, receipts, police reports and FTC reports and still unchanged, transunion had everything fixed in a week but Experian isnt even looking at my documents. I'll be getting a lawyer to get this matter resolved if they cant look at my info. One of the companies credit services even sent Experian a delete letter and they still didnt budge. 

Soc XXXX 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 2019-06-11
Company: AES/PHEAA
State: MA
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:
I transferred my student loans from XXXX to Fedloans in XX/XX/XXXX, since I am going through the PSLF program for loan repayment. I started making payments in XXXX and so far Fedloans has not been able to give me a accurate amount of qualifying payments. I have been waiting since XXXX of XXXX to get the number of accurate qualifying payments I have made thus far. I have been calling periodically to see what the status of the payment count is, and I have been told they can not tell me how much longer it will take and that there is nothing I can do about it. So far the only payments they have accounted for, are the payments from when I transferred my loans to Fedloans, until I requested a payment count XXXX of XXXX. It does not seem right to have to wait for over 17 months to get to the bottom of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I am submitting this complaint because Equifax is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my Equifax report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Equifax MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 status incorrect

Complaint:
I have paid off my car loan with Nissan Motor XXXX. For a 2017 XXXX XXXX. I have the title in hand and they are still reporting the loan. 

Additionally, they are reporting the loan is 90 days past due. Aside from the prior derogatory reports they have failed to apply the military SCRA limits on the percentage of interest on the loan that I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
In XX/XX/2018, I sent a letter along with documentation asking Experian to delete my old address and to update my credit report to the address that I lived at for the last six years ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX   ). Yet, I was advised by a CSR from Experian, that my profile had been mixed up with another individual and that my address was removed. I have been trying to resolve this issue with Experian since XX/XX/XXXX. In result, due to the negligence of Experian, I haven't been able to view my FICO Score on www.ficoscore.com, creditor 's have advised me that I don't have a credit profile with Experian, and I haven't been able to view a updated credit 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 non-monetary relief
Consumer complaint received 2018-09-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am behind in my private student loan serviced by Navient. I am in the process of working with an attorney to file for bankruptcy. They still continue to call me every day starting at XXXX and continuing to call every hour up until XXXX, including weekends. Most of the time if I answer they hang up on me immediately. This is disrupting both my work life and my home life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am a 17 year Chase bank customer. 
OnXX/XX/XXXXat XXXX XXXX I attempted using a Chase ATM at their XXXX XXXX XXXX XXXX XXXX NY branch ( XXXX ). 

I attempted to deposit both checks and cash. 
1 check was {$660.00}, one was {$35.00} and the cash was XXXX ( XXXX XXXX XXXX ). 
The machine had a failure - the screen said " We 're sorry. there is a technical problem ... '' and printed a receipt saying, " This device has experienced a technical problem. '' ( I signed the 2 checks at the table by the ATM 's - so this should also be on camera. Unfortunately I stopped writing the bank account number on the back of my checks since with the ATM stamping its not really necessary ). 

As it was just before the branch opened, 1 Chase representative was there. He said that it was best to call the number on the receipt ( XXXX ) which I did. I gave them all of the information and they opened a claim XXXX One day i receive email and email from Chase to contact them which I did. They said they did n't find anything and that I should have the " makers '' write new checks and cancel the old ones ( and Chase would somehow compensate for the stop check fees ). Before reaching the makers, i got an email from Chase ( 1 day after speaking with a rep ) that my claim was closed - and the credit they issued me was being reversed - meaning I 'm out {$840.00}. 

I called back up - got transferred to a supervisor and started from scratch.. The supervisor seemed surprised that I had a receipt - and asked that I fax it and they would reopen the claim. I did that (XX/XX/XXXX ) and never heard from the - and got no email that they claim was reopened. I called back todayXX/XX/XXXXand they told me they did reopen but did n't find anything. 

I 'm at a loss - clearly something went wrong. I 've never made up such a claim before. They have cameras. They are refusing to do anything else. 

The maker of the largest check unfortunately did n't keep a record of their check number but generously wrote me a new check - but they are concerned what will happen if the original ( signed ) check is cashed. The remaining XXXX I 'm out right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is in reply to Citicard letter dated XX/XX/XXXX in connection with CFPB XXXX. 



YOUR COMPLAINT On statement for billing period XXXX XX/XX/XXXX I had an opening credit balance of {$71.00} On XX/XX/XXXX XXXX billed this account {$340.00} I had disputed this charge with XXXX since XX/XX/XXXX. On XX/XX/XXXX XXXX issued a credit to this account of {$340.00} finally resolving dispute in my favor. See attached letter from Citicard that reund of {$340.00} was resolved on XX/XX/XXXX and Citicard wrote " During our investigation, the amount of your dispute was temporarily suspended from the amount you owed and did not accrue any fees or interest charges.

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 2020-07-10
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items 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