BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got two pieces of mail where they were trying to collect debt that I owed. I called the number on the letter and told them that I applied for that loan and that it was a result of someone using my identity. They disregarded my calls and said that I had to pay them. I am not paying something that I do not owe because it was not me who applied for those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase called me with a wrong fraud alert. When I didn't recognize the ( wrong ) charge, they locked me out of my account, and when I called them hung up ... despite me waiting. 

They shouldn't have the right to lock me out w/o warning. They should at least try to reach me. I have a bunch of bills due this weekend & I will get more late fees if I can't enter my account in time. 

All of this because they raised a false alarm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/XXXX, I received an email from Bank of America offering {$300.00} if I ( 1 ) opened a checking account before XX/XX/XXXX, and ( 2 ) set up and receive direct deposits totaling {$4000.00} or more within 90 days of opening my checking account. 

I opened the account in the second week of XXXX, well before the deadline, using the link provided in the email. By XX/XX/XXXX, I had already received over {$4000.00} in direct deposits from my employer, which continued into XXXX. 

The terms in the email I received specifically state, " After you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days. '' I have waited several weeks past the 60-day mark, and I have still not received the promotional {$300.00}. 

I have called Bank of America twice to inquire. The first time, I was told to wait a few more weeks. The second time, I was told that they could not find this promotion on my account, and transferred me to the " XXXX XXXX XXXX. '' However, this hotline transferred me back to standard customer service. I was unable to reach anyone at Bank of America who would resolve this issue.

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 2019-07-03
Company: PlusFour, Inc
State: NV
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:
Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by Plus Four. After receiving the notice via mail from the creditor, they referenced XXXX  as the provider of data. I pulled my XXXX  report to find Plus Four had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to Plus Four dated XX/XX/2017 via USPS Certified mail with Return Receipt. Plus Four received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although Plus Four never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX  file but did not remove the negative entry from my XXXX  file. Due to Plus Four 's failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Santander Consumer USA Holdings Inc.
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
XX/XX/XXXX I bought a brand new XXXX XXXX. 

XX/XX/XXXX, my XXXX  stalls dead in traffic. Took to dealer, they said it was out of oil. My XXXX burns oil! On 3 other occasions I have had dealer ship and myself add oil to this XXXX. This XXXX burns oil! And who knows causes premature tune ups, pistons, oil that cost XXXX $ a quart. This is not right. 

I tried reaching out to XXXX XXXX and received a call center who wouldn't let me speak to supervisor or management. 

My dealership says I can't trade it in, that they are trying to resolve the oil burning issue. I can't file for a lemon law. This is not right! 

I'm paying off a loan! I make {$12.00} an hour. I am XXXX years old. 

Can someone help me? I don't deserve this, it's a brand new XXXX  with XXXX miles. Can you have XXXX management contact me? They have many complaints about this problem, I've looked it up and the dealership says they have many complaints as well. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I looked at my Transunion credit report with XXXX XXXX today XX/XX/2019 and I noticed that it says that two old accounts were removed from my credit report, I was happy about it until I looked at my closed accounts and to my surprise those two accounts are still showing there even tho they told me that the accounts were removed, I dont understand why Transunion told XXXX XXXX to report something and then lie about it, I called Transunion to try and figure out what is going on with this problem and some guy told me that XXXX XXXX is reporting false information so I asked they guy how can XXXX XXXX report something false when all of the information that they report comes directly from Transunion and then the guy told me that they have a relationship with XXXX XXXX but that they were lying about these accounts being removed. I am really upset because this company is reporting false information. Then they tried to blame XXXX XXXX for it. I will also contact XXXX XXXX and ask about this.

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 2019-07-03
Company: PNC Bank N.A.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The personal loan was originated in XX/XX/XXXX with maturity in XX/XX/XXXXwith 5.99 % APR if I had an auto payment from a PNC checking account. I usually transferred money from XXXX checking account into my PNC account prior to auto payment due date ( XXXX of the month ). 
In XX/XX/XXXX they started to charge my checking account at PNC and I was notified before however the payment from XXXX to PNC was not increased by me ( my fault ) and I got my first Not Sufficient Fund! I fixed that issue by changing my PNC checking account type. The payment was paid in full in XX/XX/XXXX without going any cycle past due. 
In XX/XX/XXXX the money was in transfer from XXXX to PNC checking ( the weekend is not counted for transfers ) when I got my second NSF! The payment was paid in full again after the fund transfer was completed. 
After that a series of issues started 1- PNC bank cancelled my auto payment plan 2- they increased my rate 25 basis points. 
After talking to two customer service specialists I was told by both of them, it should have happened after 3 NSF while I had 2 of them so it's wrong and they filed the rate dispute for me. Finally when I asked to talk to a manager he didn't even bothered to look into my account, credit bureau profile and payment history with PNC. He immediately started to say the decision has been made and there's no appealing process or complaining system in place. He mentioned it's a pure subjective decision making process to increase your rate whenever they feel it's needed not 3 NSF as previous agents mentioned. They training has huge flaws. He even couldn't answer my question about how he came up with this idea that my payment pattern is showing a risky pattern!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: AES/PHEAA
State: CA
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'm a XXXX XXXX XXXX, currently serving XXXX XXXX with the Superior Court in XXXX. I've been making student loan payments since XX/XX/XXXX, and hope to have my loans forgiven under PSLF sometime in XXXX. Two of  the payments I made in XXXX have not ( yet ) been applied toward my 120 payments needed for PSLF. 

I got a new IBR amount in XX/XX/XXXX, and made a payment for the IBR amount in XXXX and XXXX ( see attached bank statements showing I made on-time payments to XXXX XXXX XXXX in XXXX and XX/XX/XXXX ). I then realized that they had miscalculated my IBR payment ( if I recall, they had used the wrong family size in making my calculation ), and my payments were approximately $ 80/month too much. 

I contacted them about that. It took them several months and phone calls, but they eventually reimbursed me the {$160.00} they owed me for the over-payments I made in XXXX and XX/XX/XXXX. However, the way they did that was to reissue the bills and apply the money I had paid in XXXX and XXXX to these new bills. Because it then looked like I had made the payments after XXXX and XXXX, they retroactively applied a administrative forebearance for XXXX and XXXX ( they helpfully say they did this so I wouldn't be turned over to collections! ). Thus, they say I did not make PSLF qualifiying payments in XXXX and XX/XX/XXXX, even though I did make payments in those months ( and the amount was actually over what I truly owed ). 

Since then, I've called them multiple times about the fact that these two payments are not counting toward PSLF but should. I called them in XX/XX/XXXX, and they told me it would be " reviewed '' and I'd get an answer after 90 days. I then called in XXXX ( 90 days later ), and was told the review was still being processed, and that it was 90 business days, not 90 calendar days. Then I called in XXXX ( 90 business days ) and was told the review was still being processed, and there was no timeline at all for when I might get an answer. 

I believe I also called in the spring and early summer, but got no resolution. Then in XX/XX/XXXX, I called and the person I spoke to claimed she'd be able to fix it, but it of course has not been fixed. 

I've called again multiple times in the last couple of months, and was told that it is now in the Quality Assurance department, and they have no timeline for completing reviews, but it could take 3-4 months. I was told I can not speak directly to the Quality Assurance department, and can not be cc 'd on the email making the request.

This is all so that two payments that everyone agrees I made can count for PSLF. It's now been 20 months since I first made the payment in XX/XX/XXXX. I would appreciate any assistance your office could provide in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-03
Company: Navient Solutions, 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 had private loan with XXXX XXXX for 10k come due in XXXX. I made no payments. It was transferred to XXXX XXXXl and then XXXX XXXX. I still made no payments in XXXX I filed a chapter XXXX BK. this loan was included. The discharge was granted and XXXX XXXX  nor any of the other listed companies objected to the court about the discharge. IN XXXX they transferred the loan to Navient and Navient claims I made a payment which I HAVE NOT- further California only allows 4 years for collections it is now 7 years and lastly even if loan with Navient they were also included in BK and never objected with the court. 
Their solution was to reduce balance owed to XXXX and now report the account as open and late- IT is not late it was discharged the statute of limitation for collections has run and their lying about me making any payments. THIS IS A VIOLATION OF FDCP. I want this removed and the account closed for this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my credit card. This was the first payment. I made a payment of {$600.00} to a maximum limit of {$1000.00}. I made a payment with a direct payment from XXXX  XXXX XXXX linked to my bank account. Capital one tells me they will not give me the available credit for a week. I am of the opinion that if I had known in advance this would happen that I would not have made the payment. XXXX tells me that payment posted. The money is out of my account. I am telling Capital one that if they don't like the money they can return it. We can stop it all right here. I beleive that capital one is pulling a scam of course making a little money on the side. This is ridiculous. I will put a stop payment on the payment if Capital One doesn't like the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Account Resolution Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had surgery in XX/XX/2020 and the bill that the collection agency states that owe was paid. The says XXXX on my credit reports but the amount owed is XXXX from the claim from my insurance company is totally different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company contacted me regarding a debt owed by XXXX XXXX XXXX. First they wouldnt disclose their identity until I confirmed my personal information. Second they are stating I owe a bill for an account that has been paid in full.

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 2019-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is reporting an account inaccurately on my credit report. Besides the point that this is not my account and that my social security number is not the one on this account, the opening date of this account is not accurate. XXXX XXXX states on XXXX and XXXX credit report that this account is open on XX/XX/XXXX. If this is true why do I have documentation that there was a balance on XX/XX/XXXX. This account was verified by the Original Creditor, Capitol One, to be opened in XXXX back in XXXX when I first got the call of this account by Capitol One. For this if this account was opened in XXXX or XXXX then it would be fraud and falsely to say it was opened in XXXX just to keep it on my credit report and keep harassing me with letters and phone calls. I am working with all credit companies for it just showed up on my XXXX  again since XXXX when it was first reported. I have documentation that they keep sending and harassing me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: ID Analytics, Inc.
State: KS
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 recently been denied a loan when my Fico is 700+ because of some random new reporting agency has my score in the 400 range. I have never heard of or seen a company use them until this loan application. I am not comfortable sending my personal information with copies of SS card and birth certificate to them in order to find out who they are and get my score and history that they use to determine such a low score. The company is SageStream , LLC and something needs to be done about them and their business practices. They have compromised way too many people 's information and scores. Again the company is SageStream , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
Experian credit reporting agency I have disputed medical bills that should have been paid by the VA I didnt even know that they had not been paid until I refinanced my mortgage which was almost a year later I had gone to XXXX  and they lowered the payment from {$52000.00}. to {$5000.00}. Experian is showing {$8000.00}. XXXX XXXX is over 10 years old and still on my credit report. I have been trying to fix this for over 3years and they seem to add more time to the loans are they allowed to say that since the day I disputed it starts over if it is ok to their standards.

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 2019-05-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I received a 16-digit {$250.00} offer code ( XXXX XXXX XXXX XXXX ) from Fifth Third Bank in my email. The offer promised a {$250.00} checking bonus for opening a new Fifth Third Essential, Enhanced, Preferred or Free checking account by XX/XX/XXXX if 2 requirements were met : reaching a {$500.00} balance within 45 days, and maintaining a balance of {$500.00} for 60 days. The offer stated that the cash bonus would be deposited into my new checking account within 10 business days of completing qualifying activity requirements. 

On XX/XX/XXXX I made an appointment with Fifth Third Bank located at XXXX XXXX XXXX XXXX and opened a free checking account with XXXX XXXX the financial center manager. I  also gave her the offer code from my email. 

On XX/XX/XXXX I transferred {$560.00} dollars into my Fifth Third free checking account fulfilling the minimum balance requirement and left this money in the account. On XX/XX/XXXX I also transferred an additional {$410.00} dollars. On XX/XX/XXXX I met the 2nd qualifying activity of maintaining a balance of {$500.00} for 60 days. 

On XX/XX/XXXX, 5 business days after the last qualifying activity, I contacted Fifth Third by email to inquire about my bonus. 

0n XX/XX/XXXX, Fifth Third replied with the following response After reviewing your account, our records do not show bonus offer attached to your account as of XX/XX/XXXX. 

Promotions are managed directly through your home Banking Center. For information on a promotion attached to your account, please reach out to your local Banking Center at ( XXXX ) XXXX. 

On XX/XX/XXXX, 6 business days after the last qualifying activity, the bonus had still not been posted to my checking account. I contacted the financial manager XXXX XXXX who had opened the account. She indicated that I should have received my bonus by now and that she would open a help desk ticket. She also still had the offer code and agreed to contact me on XX/XX/XXXX with an update. 

On XX/XX/XXXX I had not been contacted by XXXX so I initiated contact. XXXX stated that the help desk ticket was still open and that she would contact me if anything changed. 

As of XX/XX/XXXX it has been 2 weeks since the qualifying activity and I have still not received the checking bonus nor an update on its status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-31
Company: Penn Credit Corporation
State: NV
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:
Both the credit bureau and the furnisher of information are legally obligated to investigate your dispute. FDCPA PENN CREDIT Reported on XX/XX/XXXX Original Creditor Name XXXX PP L {$1700.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX   Result : Verified As Accurate and Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From XXXX : XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 
If you're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
When contacting XXXX, provide your current file number : XXXX. Mail : XXXX  XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account that I had was charged off in XX/XX/XXXX. Reported as so until I actually called the lender on XX/XX/XXXX and paid the balance on the account. They changed the closed date of the loan to XXXX instead of of leaving it alone. Now it appears as though I have a late payment in XXXX which is not the case. I contacted the company on XX/XX/XXXX and asked them to correct it. The XXXX stated that it was reporting correctly, that they did not consider the account closed until I actually made the payment.

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