BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Chime Financial Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I contacted Chime bank about an erroneous charge on my account in the amount of 300.00. Chime told me that the reversal was made but that it would take 4-5 business days for it to reflect on my account. On Monday XXXX my account was still negative with no reversal of the charges. Contacted them again and they have now claimed that the insurance company XXXX has not refunded the money even though I was told on XX/XX/XXXX that they had but I had to wait the 4-5 days for it to show. I am now on day 7 with no access to my account. Auto debits from other merchants are being bounced due to Chime not reversing the charges when they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Yesterday I was in a dept store in the middle of a transaction and I received a phone call from XXXX and the woman told me she was from XXXX  XXXX and they had not received my pymt and I needed to make a pymt immediately in order to stop disconnection schedule within the next 2 hours. I was having a family event at home and complete panic set in. I could not think clearly and borderline hysterical. I did not have a pen with me but she gave me a fraudulent XXXX  XXXX employee name and ID # and I needed to make this pymt immediatly and to pay by XXXX. I told her my pymt was made on XXXX and she said they had to record of it. Due to my hysterical state of mind I did send {$170.00} only to find out I had no recourse for stopping a fraudulent transaction on my account from Chase. I am going to the Police Dept today to file my police report and I have a FTC Report # XXXX. This has never happened to me and I was extremly upset during this phone call. The phone number associated with the transaction with Chase Bank is XXXX. This is a crime what happened to me and I had no protection even with Regulation E. Once all my information is compiled I will be forwarding it to Chase with a written request to reverse this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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 belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$210.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Celebrity Financial, Inc.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I experienced a setback financially when struck with XXXX XXXX after my 13th documented XXXX  XXXX. This set my back financially with many of my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi Concerned consumer advocates, I am a victim of fraud to the tune of nearly 5 years worth of timely XXXX dollar payments to Navient while being assured by phone representatives at Navient that I was making progress toward my 10 year PSLF payoff. They advised me to keep making payments and not submit for program credit until the 10 years was complete. I found inXX/XX/XXXX that I was not going to be credited for PSLF service months that I had been making since XX/XX/XXXX. 

XX/XX/XXXX, when I almost became XXXX because my school loan deferment ended and my payment was listed as over {$1400.00} per month after the XXXX site informed me that Navient was my new servicer as I completed the PSLF pathway per the directions on the XXXX site. 

Navient told me that in order to reduce my payments and still be in line with PSLF, that I needed to consolidate my loans. I did not know that this reduction in payment was not congruent with the PSLF program, and Navient representatives told me that I need to wait my 10 years before contacting the PSLF representatives. 

I did not become aware of the fact that the consolidation has to have a letter d in its title until about XXXX of XXXX when I saw the news of all of the people being denied loan forgiveness. They also thought that they were finished only to learn that their loans had been high-jacked into the commercial side and not the federal side of loan repayment plans. 

It took me until XX/XX/XXXX for my servicer to change from Navient to XXXX. I made 4 payments to Navient during that time of conversion, which are still yet to be credited to my account. From XX/XX/XXXX until XX/XX/XXXX I corresponded with both representatives of Navient and XXXX XXXX XXXX in order to fight to receive credit, but to no avail. Even after I consolidated into the correct loan type with the letter 'd ', made timely payments, under qualifying employment ... I am still awaiting 4 months of credit from Navient who took my paymets continuously yet listed me as haven been under deferred, non-payment status for the 4 months prior to my file transfer to XXXX. I am still awaiting this additional 4 months of credit to my PSLF bank. 

Someone said that you may be able to help me get credited for this 5 years and 4 months of 100 % timely payments to Navient while they misrepresented my financing, payment status, and all the while I have had qualifying employment and worked with the same company continuously since XX/XX/XXXX at 30 hours per week as a XXXX. 

Please help me get credited for my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
My name is XXXX XXXX and I am submitting this complaint on behalf of myself. I constantly check my credit report and noticed that the errors and false and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me tremendously and held me back for quite some time now. I am demanding the CFPB to enforce the correction and/or deletion of these items.

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 2023-01-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had a savings account linked to my checking account. When funds got too low in my checking account, it was automated to pull from my savings to cover. I was being charged {$12.00} everytime funds from savings were used. Even though I agreed to have the funds sent over. I was never told of a fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a balance transfer in the amount of {$14000.00} to a home equity line of credit i have in XXXX XXXX XXXX. I was offered a XXXX percent interest rate. I made the transfer over the phone with my Frontier Airlines XXXX Starting in XXXXXXXX XXXX XXXX I started to receive interest charges for the transfer. I paid the fee of {$700.00} but each month I receive interest charges. I call the company each month to dispute the charges. The call center will reverse the charge, but then again, the next month, I receive an interest charge on the balance transfer and also on any purchases I make. I pay my purchases off every month and continue to pay down the balance transfer amount. Now the company says I agreed to a 20 percent interest amount on the balance transfer. I most definately did not. This transfer transaction was made over the phone. I agreed to a XXXX percent transaction. They say they record these calls. They should go back and listen to this conversation and rectify this situation. I would never transfer {$14000.00} for a 20 percent interest rate promotion.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: GA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below I have already disputed with each bureau on XX/XX/2022 and XX/XX/2022 and they have not deleted the items below. 

Sec. 602 State... I have a right to privacy. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account { XXXX } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I mailed LVNV Funding LLC a debt validation letter this past XXXX about a debt that is on my credit reports ( I will mail them another one if they did not get the first one ). They have not sent me written verification of this debt. Instead, Resurgent Capital Services has intercepted my request.This is in direct violation of the FDCPA because it is false or misleading representation and they are not the current owners of this debt. 

I would like a response from LVNV Funding LLC and only LVNV Funding LLC regarding my debt validation request. I want to make sure that the company that owns this debt can prove that it is mine. Resurgent Capital Services are trampling over my rights as a consumer by impeding my debt validation request. The FDCPA was partially created to prevent unscrupulous unlawful debt collection companies from abusing consumers by using deceptive tactics which is exactly what Resurgent Capital Services is doing. The form that Resurgent Capital Services sent me is very deceptive because the form has their letter head and company logo on it. This creates a false impression that someone other than LVNV Funding LLC can collect on the debt. This scheme is a blatant infraction of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I make my payments online on myloancare.com, the loan terms require no late fees to be charged until XXXX of the month. Until last month ( XX/XX/2020 ), there was no late fees charged when I made payment online before the XXXX of the month. This month ( XX/XX/2020 ), today when I tried to make a payment ( XX/XX/2020 ), the servicer is charging XXXX $ more to make the payment, and added terms on the following terms 0-5 days - no charge 6-9 days - XXXX $ 10-15 days - XXXX $ charge. 

LoanCare XXXX. XXXX XXXX XXXX, PA 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 2023-01-14
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan got transferred to Fay Servicing in XX/XX/2022 for XXXX properties. They have not paid taxes for my properties which are being collected from my monthly payments into the escrow. I reached out to them in XXXX, XXXX and again in XXXX. 

They keep telling me they are investigation meanwhile the city keeps sending me notices with interest and penalties for not paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ON XXXX XXXXXX/XX/2022 I received a text fro TDBank with my first name welcoming me to the account giving me a reference number and telling me it would be a snap to finish setting up the account. 
searched online and found the XXXX number to TD Bank and called them to see if an account was opened in my name and the representative verified an account was opened in my name with my address. She told me to call TD Bank Fraud.

I called TD Fraud and was told that the investigators would send me information. I requested that the account be closed because I DIDNOT open the account. I was told they could not give me information but that someone would be in touch with me. I asked for a confirmation number of something to verify it was closed and was told I couldn't have any information, but that his name was XXXX and that the call was started at XXXX on XX/XX/2022. I was also told that a letter would be sent to me. I was not told when the account was opened nor what type of account nor if the type of activity on the account. TD Bank was very unhelpful but they allowed someone to open up a fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04
Company: MoneyLion Inc.
State: ME
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On various dates, I was not given credit for performing the service 's swipes in the app. The app would malfunction, or credit was given for a different day, or no credit was given at all. The app, does not provide a record of these credits for more than the past 7 days, so dates are unavailable. 

Additionally, I was required to do these actions after requesting that my account be closed. Failure to perform these actions in the app results in the forfeiture of a {$1.00} credit each day.

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 2018-07-26
Company: BARCLAYS BANK DELAWARE
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have filed with the comptroller of the currency. This company is in the dark ages. They have blocked access to my account because they have no clue what they are doing and can not even ID me when I am calling them. My new XXXX XXXX XXXX credit card is the product I have. I wish I never applied for the card. I have called and they have no clue how to ID over the phone and expect me to mail them driver license, Social security card and bank statements to prove who I am. No way to email them the documents scanned into pdf and no clue as how to access public domain questions to Id over the phone. I have never in my life had to mail in documents to any company. They are simply either complete morons or jacking me around. How to keep new customer they have no clue. I have a Barclays USA bank for the last 3 years or more on top of this. 

When I ask them if I just wanted to close my account instead of mailing the information they gave no way as to how. 

Complete 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 2023-04-25
Company: EQUIFAX, INC.
State: NC
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday on XX/XX/XXXX I received a mail from TRANSWORLD SYSTEMS INC. claiming that I have {$31.00} in debt to the creditor of XXXX XXXX XXXX XXXX on XX/XX/2020. There was no debt validation or evidence to which I had used XXXX nor do I have relations with XXXX  corporate. I contacted XXXX about this claim and they told me it is not the way they usually call and handle debt and assured me it is a scam. I did my research and many claimed that one should ignore and others say I should contact cfpb about it to cancel and confirm that this claim and statement are false.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-09-04
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told by my lender that I refinanced by loan in XX/XX/2006 but that is not true. My payments continue to increase and my balance is not decreasing. I am not going to own my home if they do not fix the problem. My principal balance is too high for a home I have been paying on for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: MI
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:
From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( XXXX, Experian, and XXXX ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX XXXX XXXX XXXX Michigan  and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.

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