BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: FL
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 2 separate lenders- XXXX and Navient. I was having trouble paying XXXX and Navient was still in the grace period this Spring ( 2019 ). I completed the income-based repayment request. XXXX lowered my payment. Navient determined that I can pay over $ XXXX. They are refusing to work with me for a payment option that works and are instead happy to help me go into forbearance and accrue more interest or simply default. This should be illegal- I want to pay them, but I also can not afford the amount they are proposing. I am not going to financially ruin my family to pay this back- that was not the point of going back to school. I am getting nowhere with the representatives at Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.

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 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victim of an online scam and lost {$7500.00} in XX/XX/2021. I filed a claim with my bank ( Bank of America ) that month but they will not help me because I authorized the XXXX transactions. I received a letter from the bank on XX/XX/2021 stating that the claim was denied. I trusted my bank to process the transactions expecting some type of protection, yet they have given me their back. Online scams must be stopped and the banks/XXXX are not helping 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 2022-08-11
Company: CADENCE BANK
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My loan closed with Cadence Bank originally in XXXX. Bank merged with BanCorp South and they are now handling my servicing. 
on my XXXX statement, it shows my on time payment, an addl principal reduction and a " fee collection '' for {$30.00}. 

Between XXXX and XXXX, i have called 6 times. Bancorp has told me twice that i have a " return item fee '' but when i tell them i have every transaction showing on time & cleared payments back to XX/XX/XXXX, they back pedal and say they dont know. They then transfer me to Cadence. Cadence doesn't know either. 

I have left messages with no reply. I just want a real explanation for the fee, an apology for a mistake or they need to refund my money for my time and trouble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-19
Company: DISCOVER BANK
State: GA
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 was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly noticed a collection/chargeoff on my credit report from Comnwlth Fin. I disputed this error over a year ago because the debt was over 8 years old. Now this debt is updated regulary. This originated from a medical bill that is over a decade old. The chargeoff/collection amount is showing {$1100.00} reported XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i had bank of america card for over than ten years on XX/XX/2019 i provided the credit card information to buy supplement online and the shipping was only the price for the first trial bottel of thirty tablets i recieved the first bottle and then my the card statement of a charge of XXXX dollar i contacted the bank and disputed the charges and then i tried to contact the merchant i failed to get both fixed so on XX/XX/2019 i called the bank and requested the change of my card they refused stating that the merchant will still charge my card so i asked them to close the account and they said this wouldn't help either so my card was charged {$400.00} dollar i drove to the bank and sat down with a baNKER associate for couple hours and she tried to help by callng customer service and disputing the charges yesterday which was XX/XX/2019 i recieved a letter from the bank refusing to reverse the charge i was able to close the card at the physical bank of America located on XXXX XXXX XXXX georgia

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 monetary relief
Consumer complaint received 2018-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit files indicates that someone opened a loan / lease on XX/XX/2016 these ar ethe providers and I had not authorized the parties to use me this is effecting my credit and or ability to get credit tieing up my score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for around XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.

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 2019-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Three separate charges totaling {$2900.00} were made with my debit card apparently with an XXXX and XXXX XXXX XXXX. I have never shopped at that store, and these transactions were not authorized. I disputed with Bank of America and they denied my claim. Here was my appeal letter sent below : To : Bank of America ATM Debit Card Research Department From : XXXX XXXX Account name XXXX XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX Claim # XXXX Claim amount {$2900.00} Charges XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX XX/XX/XXXX Hide additional information for activity type debit cards XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX Edit Description activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX PURCHASE XXXX OH DEBIT CARD XXXX as Reconciled XXXX XXXX Claim Denial Request for reconsideration. 

To Whom this may concern, Regarding the above claims, I have NEVER shopped at an XXXX and XXXX as the three charges that I have disputed represent. I have NEVER been to the state of OHIO as the three charges show that the purchases were made. Clearly this is fraud, why would the charges be made three separate times if somebody wasnt continuously trying to rob the account? This is also an incredibly large amount of money and should have been flagged. 

I have never shopped at this store, I have never been to the state of OHIO, these purchases were not me or any authorized user of this debit card. Further a fraudulent charge that I assume has not been denied was made around the same time on my account at a XXXX XXXX. Clearly somebody had made some sort of additional card using my account information and made charges. While the XX/XX/XXXX charges were processing and noticed the activity I immediately made the dispute. I have been a customer with Bank of America for over 15 years, this money was stolen from my account and is insured, I request this money be returned to me immediately or I will seek further recourse. 

XXXX XXXX XXXX, 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 2020-07-30
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:
Experian and XXXX  have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2020-10-14
Company: Westlake Services, 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:
Westlake Financial provided extensions for loan payments during the months of XX/XX/2020 and forward for COVID related hardships. They claimed the payments would not affect credit reports. Now those payments are showing up as late on our credit reports. The company is not honoring their extension policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions 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:
TO WHOM IT MAY CONCERN, I HAVE BEEN TRYING TO RESOLVE MANY ISSUES THAT ARE ERRONEOUSLY REPORTED ON MY CREDIT REPORT BY ALL 3 CREDIT REPORTING BUREAUS. I 'VE HAD THE COLLECTION AGENCY WHO DID THE ORIGINAL NEGATIVE REPORTING MAKE CONTACT THE 3 CREDIT REPORTING AGENCIES DIRECTLY, TO HAVE THE ITEMS REMOVED FROM MY ACCOUNT. WE HAVE TRIED DOING IT ON THE PHONE VIA CONFERENCE CALLS, AUD REPORTING WHICH WAS SENT FROM THE COLLECTION COMPANY TO THE 3 CREDIT BUREAS, AND VIA EMAIL. STILL THE 3 CREDIT BUREAUS WILL NOT UPDATE THE INFO. PLEASE HELP!!!!!

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 2017-12-07
Company: Stellar Recovery, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted the collection agency and advised that I have never had XXXX XXXX and that I was a victim of id theft. I advised I never lived in south Carolina and they refused to give me a letter stating that the collection was fraud. And that it was a false account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I XXXX XXXX  had an account with chase when i was XXXX XXXX  years old in around XX/XX/XXXX-XX/XX/XXXX. I wasn't be the best with money management or how to functionally use a bank account, of course I was a teenager. That account closed due to a charge off with a negative balance of {$120.00} and i tried to reopen it later that year or the year after while getting my direct deposit from my tax returns, and thats when we tried to reopen it and it closed within a week.That is when i found out they said because the account was closed i would have to wait 5 years to reopen one, I asked if i can just pay it off, they said that was not a option. So as naive as i was i thought that was normal and i attempted again 5 years later and it still has not able to open one this time the bankers said chase has decided not to have a " business relationship with me at all ''. Now its getting to a point where i don't understand why i haven't gotten a statement on my last month of my account or a chance to know why they will not reopen an account, I'm not a criminal, i didn't abuse my account, and they never even gave me a chance to dispute any wrong doing on my account or to see if anything on that account was mine, or accurate. I am now turning XXXX  years old starting a XXXX XXXX XXXX XXXX  and full time employer and I've always wanted to bank with chase especially for their business accounts and i have been robbed of that opportunity and have not been given a reason i feel like this is not right nor is this constitutional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts and did not give consent to furnish any of these accounts on my consumer report. Due to the XXXX  data breach/ identity theft. 
According to 15 USC 1681B ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. 
- I have not given the consumer report agency Permissible purposes or written consent to furnish these fraudulent accounts on my report. They are in violation and civilly liable All are being investigated by FTC According to FCRA 605B. This information must be blocked immediately.

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 2021-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
1. On XX/XX/2021 - I opened a XXXX Checking account online at XXXX and applied a coupon. The coupon is : Make two separate {$1000.00} deposits and get {$400.00} bonus. Here are the details about the coupon recorded by a third party. https : XXXX XXXX. On XX/XX/XXXX - I deposited the first {$1000.00}. 
XXXX. On XX/XX/XXXX - I deposited the second {$1000.00}. 
XXXX. In early XXXX ( before XX/XX/XXXX XXXX - I called the Capital One customer service. I was told that I have successfully applied the coupon and the bonus would be in my account before XX/XX/XXXX. 
5. In early XXXX ( before XX/XX/XXXX XXXX - I called again and they told me the bonus will be in my account before XX/XX/XXXX. 
6. On XX/XX/XXXX, I called again. This time, the specialist told me I would not receive the bonus because I was not qualified for some reason, but the reason was unknown. 

Based on the above facts, I believe it's totally fraud and thus report it here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion refuses to correct an obvious mistake. 

1 XXXX auto loan is open paid & satisfactory according to the bank & all other cra 's 2. Account was reaffirmed. 

3. Account has been current for 5 years 5. COMPLETE payment history sent to TransUnion documenting 6. Letter from bank sent to transunion. 

ATTENTION FTC UNLESS YOU SUBSCRIBE TO THEIR SERVICES THEY REFUSE TO CORRECT ANYTHING

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 2020-07-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
When I opened the Business account for Wells Fargo, They said there would be no monthly service fees, because I had other accounts with balances. They have been taking money out of account for last 7 months unbeknownst 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 monetary relief