BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX  and TransUnion ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On three occasions, I tried to open a savings account at XXXX XXXX XXXX  branches located in XXXX, TX. The bank disapproved my application to open a basic savings account. The disapproval was solely communicated verbally and the bank refused to provide a written disapproval. The personnel I dealt with at XXXX XXXX XXXX  stated that they chose not to open a savings account for me because I appear to be a XXXX. I contacted ChexSystems. According to my latest ChexSystems report, I have no overdrawn bank accounts. I filed numerous complaints against XXXX XXXX with governmental authorities. Recently I received a letter from XXXX XXXX stating that they disapproved my application for a savings account due to information received from ChexSystems. They provided a letter on ChexSystems letterhead stating that ChexSystems disapproved the account. The ChexSystems letter disapproved the account, but stated no reason for the disapproval.

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 2020-02-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been with Navient for some time. In XX/XX/2017 my husband and I divorced, at the same time my monthly payments with Navient were up for review. They went from {$120.00} to {$900.00}!! I called and explained, my divorce as well as, having a child. They recommended I go into Forbearance instead of working with me to make a lower payments. They would not take into account other bills I pay every month, like daycare, utilities, groceries, car payment, nothing. I ended up in default. In XXXX I called again and spoke with someone, explaining my income, my son and all my bills. I told them I could pay {$250.00} a month. I was told the lowest they could go was {$410.00} and they would not budge. I was flabbergasted and so upset. Here I am calling to MAKE payments and they wouldnt accept them. She told me to go into forebearance and call again in a couple of months. I hung up and cried. I felt and feel helpless. Out of pure frustration, I just gave up and ended up in default again. So, I went back on Navient 's site trying to figure out what I could do. I ended up filling out a form that calculated whether Navient was asking more than I could pay based off my paychecks. Low and behold, they were. I submitted the forms via their process on their website and again was denied, even though this was THEIR formula and their apparent process. I am now sitting here with a 20 year old student load that started at XXXX and is now over 90k, with payments over {$900.00} a month that I will never be able to make and a company who wont work with me. What is someone like me supposed to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received a voicemail from a restricted number stating intent to serve me legal papers between XXXX and XXXX the next day. I called the phone number and referenced the case number provided on the voicemail. A gentlemen advised me that the company he represents, XXXX XXXX XXXX, was retained by Wells Fargo to make a recommendation on how to proceed. He said they were looking to file a civil judgement and pursue me for a charged off checking account. The amount owing was {$1900.00} and they were seeking up to three times that amount. I remembered having such a checking account when I lived in MN and I was much younger. I do believe this account was past the statute of limitations to collect on. I also advised the representative that I had filed a chapter XXXX no asset bankruptcy in XX/XX/XXXX and it was XXXX. He placed me on hold to speak with a supervisor. When he came back he did say that indeed my bankruptcy did cover this debt. I was relieved but definitely in a state of panic. This company should not have contacted me at all! They should have done more research on the age of the debt and the fact that it was XXXX through bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Trying to get an ATM card for a checking account with Bank of America and being asked for an extortionate amount {$28000.00} for the privilege.  This can't be right can it???? 
See extract from their email ... 

This Social Security Code ( SSC ) would be legally processed and obtained from the XXXX XXXX XXXX XXXX XXXX XXXX as the XXXX XXXX   here in USA, and they informed us today that the Social Security Code ( SSC ) that would back up your US your card would cost you the sum of US {$28000.00} only which would be processed by their Head Security department. We would apparently insert this code on your master card before we do commence with the legal and safe delivery of your card to XXXX for proper security purposes which is of your own most benefit and good. 


Do you wish to transfer this payment to our CFO 's ( XXXX XXXX XXXX bank account? or would you want to transfer the payment directly to the Federal Reserve bank where your code would be processed and obtained successfully? We await your urgent response with this payment asap for the delivery of your master card to commence effectively to XXXX this week for its great benefit towards the charitable institutions. XXXX XXXX XXXX CEO./President

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 2020-02-03
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 received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX  XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}

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 2020-02-03
Company: EQUIFAX, INC.
State: IL
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:
Equifax is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I got {$12000.00} in fraudulent transaction and my phone stolen. around XXXX of 2017. I contacted chase numerous times and reported the fraud twice. Both times they disagreed and said the fraud was valid. However the investigator XXXX XXXX made one call to me and didn't leave a voicemail. When I called back 3 times I could not reach him nor made any effort to reach back out as he needed more information yet no one told me what they needed aside from a receipt from XXXX showing I replaced the XXXX a few days after the incident. This is highly unacceptable and I'm also reporting this to the attorney general and local law enforcement. 

Denial reason : XX/XX/XXXX : additional documentation not received and having a relationship with XXXX. 

XX/XX/XXXX Submitted for review for a 3rd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: JPMORGAN CHASE & CO.
State: CA
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'm writing this letter to dispute a billing charges to my CHASE credit card in the amount of {$1200.00} that occurred on XX/XX/2018 from XXXX marketplace. I have not receive the item of purchased, when it showed it was delivered and was even sign off with my initial when i track the status of shipment on XXXX. I've also request the authentic hand signature when sign off the packages as well with travel history of the item and it appear to be false signature. I'd immediately contacted the seller XXXX in regards of the problem and have come to an agreement to have the charges directly credit back to my accounts. Yet the balances is still have not been resolves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Veros Credit, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX 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 2018-09-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 I tried submitting an online dispute with Equifax via their dispute website : www.investigate.equifax.com. I received an error message that said they were unable to initiate my dispute with the information I provided. I then called ( XXXX ) XXXX to file the dispute with a live agent. After holding for several minutes, my call was answered by a representative named " XXXX. '' XXXX asked me my confirmation number and I provided it to him. He then asked if he could place me on a 1 to 2 minute hold, while he tried to access my information. He came back on the line and asked my my name. I gave it to him and he asked me to repeat it twice. I did. He then asked if he could place me on another 1 to 2 minute hold to verify my information. He came back on the line and asked me for my address, I gave it to him. He asked me to repeat it twice, I did. He then asked to place me on another 1 to 2 minute hold. He came back on the line and asked me how could he assist me. I told him I was unable to submit a dispute online and need the assistance of a representative. He then asked me my confirmation number AGAIN. I asked him what the problem was and he said he just needed to place me on another 1 to 2 minute hold. He came back on the line and said he needed to verify my information again and would I be able to repeat it. 

I feel like I'm being treated like I'm doing something wrong by trying to access my OWN personal and confidential information. I was unable to get assistance online or via phone with Equifax. This has happened to me in the past, and I need clarification as to what the problem is. 

My credit is crucial to my well being and I am unable to get answers or assistance from Equifax. 

I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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 disputed accounts on my credit report with XXXX and they updated the information as verified without explaining how and what information was just for the accounts to be verified, when the accounts are not really verified. 

RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated. 

I have never had any accounts with the company that the accounts is with on my 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 explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: NY
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:
Sent a certified letter on XX/XX/2017 to Experian regarding validity of debt on my report. I have not heard from them. I did not receive knowledge of letter or any results. I expect all information to be removed. 

Disputed previously the spelling of my name, incorrect address and it was not removed. 

I sent 2 other letter requesting the same information from XXXX and 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
my name is XXXX XXXX XXXX  residing in XXXX Ga. on the XXXX/XXXX/XXXX i sent money to my wife in XXXX, specifically to cross river state, XXXX. the amount was {$800.00}. through MONEYGRAM WITH THEIR AGENT, THE XXXX STORE AT XXXX XXXX XXXX XXXX, GA XXXX. THIS TRANSACTION HAS BEEN DONE ON A REGULAR BASIS, MONTHLY, AND THE MONEY WAS ALWAYS PAID AT XXXX XXXX  XXXX XXXX IN THE CITY OF XXXX. ON THIS PARTICULAR TRANSACTION, THE MONEY WAS NOT PAID TO MY WIFE WHEN SHE WAS IN THE BANK ON XXXX/XXXX/XXXX BECAUSE THIS TRANSACTION DID NOT EXIST AT ALL. THE CASHIER AT THE XXXX XXXX XXXX XXXXXXXX CALLED MONEYGRAM AND LEFT AN ERROR CODE WITH THEM. I THEN RUSHED ON THIS SAME DAY ( XXXX/XXXX/XXXX ) TO XXXX TO REPORT THE PROBLEM. I WAS TOLD THAT AN INVESTIGATION WAS STARTED THAT WOULD TAKE 90 DAYS TO RESOLVE. OVER THE COURSE OF THIS PERIOD I HAVE CALLED MONEYGRAM UP TO 40 TIMES FOR A RESOLVE WHICH THEY ALWAYS TOLD ME THAT THE CASE HAS BEEN RESOLVED BECAUSE MY WIFE HAD COLLECTED THE MONEY. I INSISTED THAT IT IS MY RIGHT TO KNOW THE LOCATION WHERE THE MONEY WAS PAID, WHAT BANK AND THE NAME OF THE CASHIER WHO PAID THE MONEY AND TO WHOM. JUST ABOUT LAST WEEK THEY NOW TOLD ME ON THE PHONE THAT THE MONEY WAS PAID TO MY WIFE 300 MILES AWAY FROM THE USUAL CITY, AND PAID FROM A BANK THAT MY WIFE THOSE NO HAVE AN ACCOUNT IN, AND THEY REFUSED TO GIVE THE NAME OF THE CASHIER THAT PAID THE MONEY OR TO SEND ME THE INFORMATION IN ITS ENTIRETY. THE MONEY THEY SAID WAS PAID FROM XXXX XXXX IN XXXX XXXX, IN THE CITY OF XXXX, THE ADDRESS BEING XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. MY WIFE IS 300 MILES AWAY. SHE IS IN XXXX XXXX. HER BANK IS XXXX XXXX XXXX XXXX AND THIS IS WHERE SHE USUALLY RECEIVES THIS MONEY ON A MONTHLY BASIS. I THEN PROVIDED MY WIFE WITH THE INFORMATION MONEYGRAM GAVE ME AND SHE CONFRONTED AN XXXX XXXX IN XXXX WHERE THEY TOLD HER TO GET THE NAME OF THE CASHIER WHO PAID THE MONEY AND THAT OF THE RECEIVER. THIS IS THE CRUX OF THE MATTER. MONEYGRAM HAS REFUSED TO GIVE ME THIS INFORMATION AND ALL THEY TELL ME IS THAT THE CASE HAS BEEN CLOSED. THEY LAUGH AT ME ON THE PHONE AND END CONVERSATIONS ABRUPTLY.PLEASE I NEED HELP TO RESOLVE THIS MATTER BECAUSE MY WIFE AND OUR XXXX CHILDREN ARE SUFFERING. MY PHONE # IS XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was trying to purchase shoes on XXXX XXXX so he said to send it through XXXX and he will ship the shoes and once i sent the money he never sent anything p

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 2019-03-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, Experian and XXXX ) credit report. My latest credit report shows 10 credit inquiry/inquiries that I did not authorize. These inquiries are over a year old and I was shopping for a car XX/XX/2018 from one dealership and they put all these hard inquiries on my credit with my consent. The number of inquiries exceeded what I expected. I felt pressured into getting car financed with dealership. These inquiries are affecting my FICO score and me trying to refi my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Viking Client Services
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX requesting payment of {$810.00} for proclaimed damages to a rental car that I rented from XXXX XXXX XXXX XXXX on XX/XX/2018 and returned XX/XX/2018. 

This car was not damaged when I returned it. I walked around the car with the agent who checked in my vehicle. When the vehicle was checked in, it did not have any damage. The Viking agent sent pictures of a vehicle with a large dent from a yellow pole on the passenger rear door. This automobile was not damaged upon my return of the vehicle to XXXX. 

If there was damage, why was it not identified by the agent and myself while checking the vehicle in. Also, if there was damage, why would it take seven weeks to present the invoice to me? I spoke to XXXX XXXX from Viking and explained to her that I did not damage the vehicle. She stated that my car insurance or credit card will just pay for it. 

I did not damage this vehicle. This is a scam! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of America offered me a promotional balance transfer APR of 0 % until XX/XX/XXXX. In XX/XX/XXXX I took advantage of this promotion and transferred a balance on to my card. 

I called Bank of America and asked them how I could go about continuing to use the credit card for purchases, while avoiding paying interest on my bill. I was told that as long as I made a payment equal to the minimum payment plus any purchases I made, I would not be charged any interest. This is also reflected on the statement in the section " Important Information About This Account '' : HOW WE ALLOCATE YOUR PAYMENTS- Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 

Based on this information, I made a payment on XX/XX/XXXX of {$980.00}. This includes a minimum payment of {$47.00}, plus {$930.00} in purchases, plus {$6.00} in previous interest. Based on what the statement said, {$47.00} of my payment would be applied to the Balance Transfer balance as it has the lower APR, while the rest would be applied to the purchase balance as it has the higher APR. 

When I received my statement on XX/XX/XXXX, I was indeed charged interest on purchases I had made, in contradiction to what both the statement says and what I was told over the phone. When I called to speak with Bank of America about this, I was told that this is how they handle credit card interest when people have a promotional APR. Purchases will start accruing interest immediately, even if the full purchase amount is paid by the due date.

This means that while they may not be charging me interest on the balance transfer, they are instead now charging me interest on purchases they would not normally have charged interest on. Every credit card I've ever had charges no interest on purchases that are on the statement as long as a payment equal to those purchases is made before the statement 's due date. Bank of America apparently changes this policy when a customer takes advantage of a promotional APR they offer.

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