BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX XXXX credit account that was subsequently opened with TD bank, opened to purchase furniture. This card/account offered good terms and 0 % APR for approx 12 months. Unfortunately, after receiving the card, I found out that TD Bank does not offer a way to setup recurring payments, requiring you to log in or mail in your payment to ensure you are able to pay off your account before your promotional terms expire. On top of this, you can not see the promotional terms of your account, the only to get this information is to call into an XXXX # and speak with an agent in a call center which is open only during business hours XXXX. The recurring payment option was able to be overcome by setting up bill-pay payments with my financial institution and I thought everything would be fine. However, after making an additional purchase with XXXX XXXX XXXX the issues compounded and working with TD Bank became even more problematic. When making your payments to TD Bank the only way to dictate how your payments should be allocated is to call into the same XXXX # and speak to an agent in the call center. If you do not do this your payment is applied however the bank wishes, making it impossible to calculate how to pay off your balances within your promotion time period, unless you call in and speak with someone every time you make a payment until the end of your term. It is 2018, and this type of payment allocation and self-service functionality is a disgrace. The only reason I can think for this to be setup this way is to make it as difficult as possible for consumers to pay back their accounts within the promotion period and charge back interest for as many payment plans as possible. I would allege this is a UDAAP violation that could really harm consumers who are not financially savvy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After many attempts to reach a better payment options with Sallie Mae they refused to help me and my cosigner under the pretense that " we have more than enough money to make the payments ''. Now mind you my cosigner is battling XXXX and I work for a non-profit and don't make that much. Now they have resulted in daily harassments towards me and my cosigner. The harassments have been going on for months now. If this new CFPB do nothing I will sue Sallie Mae for harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Navient Solutions, LLC.
State: ID
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:
On XX/XX/XXXX I got a student loan for {$13000.00}. I now owe {$75000.00}. This is due to forbearance and deferment options offered to me over the past 20 years. I now receive XXXX XXXX payments. I was deemed XXXX 6 years ago with my reevaluation next year. I called Navient yesterday to find out why there were no interest charges on my account only late charges. He tried to explain to me that capitalized interest was the late fees and these were applied to the principle or something to that effect. I applied for an income-driven repayment plan which was not accepted because my husband did not sign the form. They told me I had to resubmit with his signature. I refuse to do this as him signing papers on my loan would legally make him responsible for the loan. We were not married at the time of this loan and were only married 7 years ago. When I explained this to Navient they said that he would not be responsible for the loan legally but to apply for an income-driven repayment plan we had to count the total household income. That's pretty shady to me. A loophole I suppose. I have applied for a permanent and total XXXX discharge as I have COPD which is terminal. My physician will not sign off on the papers as he says that it states my condition will result in death within one year. I am only in the early stages as of now. I have submitted documentation of my illness in the form of medical records from my doctor but they were not accepted. Navient also explained that if I am on XXXX XXXX and it is expected to last 7 years or more, I am eligible for permanent and total XXXX discharge but must get a letter from XXXX XXXX XXXX stating such. I do have a letter from the XXXX XXXX XXXX stating that they will reevaluate every 3 years. However the 3 year Mark has gone and I am coming up on 7 years. I have tried on numerous occasions to compromise with navient but to no avail. Had I known this loan was going to be outrageously difficult to pay, I never would have considered a loan. The principal on this loan is {$73000.00}, interest {$610.00}, {$1200.00} in late fees and total payment due is {$1800.00} on XX/XX/XXXX. They seriously expect me to come up up with this amount of money. Our monthly income is barely over that. To my knowledge, income-driven repayment plan was only a recent thing. I was never told about this during the time of this loan and was always offered forbearance or deferment options. How can they get away with this? What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: NY
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 was forced to freeze my credit reporting with Experian because they exposed my personal information due to hacking. Yesterday I arranged for a temporary release so that I could apply for a credit card. All credit agencies EXCEPT for experian set up temporary releases at no cost. 

However Experian, the cause of the theft of personal information, charged me for the temporary release. I am at risk because of Experian and now I have to pay for the temporary release. 

They should not be rewarded and I should not be penalized. 

A refund of charges should be made.

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 2019-03-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 at XXXX I attempted to withdraw {$1000.00} from a JP Morgan Chase Bank N.A . ( Chase ) ATM. Due to a error of the ATM, no cash was able to be dispensed, however a receipt was produced clearly showing my account had been debited {$1000.00} ( {$1000.00} withdrawal + {$3.00} surcharge ) with a message of " We aren't able to give cash right now. Please call us at XXXX ) ''. After a brief call with Chase, where I asked them to reverse the transaction as their ATM was unable to dispense the requested cash, 3 separate operates told me they were unwilling to help due to the reason I do not have an account with them. When I repeatedly ask them to reverse the transaction they continued to reply that I would have to contract my financial institution to start a claim to get the the transaction reversed. After discussing this situation with my bank they were able to submit said claim but inormed me that it could take up to 10 business days to reverse this transaction. When I asked them if Chase is able to just reverse the transaction, they stated that Chase has the ability to instantly reverse these types of errors, however they force other Banks to do it instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This debt collector recently started tactics to get paid debt that was taken care of from my insurance. I work for the facility I went and I used the hospital I was in network. This doctor I later found out Emergency room doctors are not in network, which this is not my fault. As when you feel very sick, is the last thing you will check if all providers are in network, Per my insurance XXXX employees get discounts with insurance if you go to their facilities, and so I did. This doctor refused a discount, or other means. Now 3 years later is attempting to collect a debt, that was in negotiations with my insurance carrier, that they paid for and I am getting harassed and now decided to go against my credit. I am very upset was this is not correct. My means have not changed, We are not working as result form the pandemic. This is wrong, I want to be protected from companies that claim credits after several years, specially when the amount they want to collect is way above of the service provided and rendered.

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 2018-09-14
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I called my bank, Chase to report my card lost and stolen. 
I spoke to a gentleman and advised him that I could not find my debit card since XX/XX/XXXX around noon after I pumped gas at XXXX XXXX. 

I advised him that I went to XXXX XXXX and tried to use my debit card, but after 3 tries, I had to go inside.The cashier had to slide my card inside because it was not working outside. I advised the Chase rep that I must have dropped my debit card there because when I looked at the charges they were from the stores around the area of the gas station. 

The Chase rep went over all the charges with me and he sent in disputes on items i did not recognize and granted temporary credit. 

I called Chase on XX/XX/XXXX and asked why the charges were reversed back to me. The Chase rep said that it was inconsistent as not all items were disputed. I told her that I was not familiar with all of them so I did not want to dispute something that could be mine because I know that sometimes charges does not always reflect the same day. 

I requested for the claim to be reopened, but the Chase rep said she couldn't without proof. I asked her what proof did she want. Chase rep said " Nothing you can give to prove this '' ( somewhere along those lines ). I told her " I know '' how would I prove this. Do you want me to get a police report? ". I requested to speak to a manager, after being placed on hold she came back and said someone will have to call me back within 1-2 days. 

This is not fair. I did not do those charges. I have never filed a dispute with Chase except one with XXXX when I told them that my card was charged after it declined the first time ( my husband then used his card ). 

I have left XXXX after they opened a Savings account in my name ( Lawsuit they were in ) I have recommended Chase to all my friends and family and my mom 's business thinking this was a better bank, but I can see that Chase is not about helping their clients at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
This is in reference to CFPB Case # XXXX. XXXX XXXX   responded with a letter stating a rebate was issued on XX/XX/18. You closed the case. As of XX/XX/18, I have not received the rebate. The letter states I can contact XXXX XXXX at XXXX, but I have left messages many times with no response. I have enclosed the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a random collection letter from Radius Global Solutions for a debt I do not recognize and disputed. I wrote the company 2x asking for proof that this debt is mine and that they have the right to collect the debt as I do not recognize it or their company. So far they have done nothing but send a statement twice. I disputed it the first time they sent it to me, so instead of providing any further proof that this debt is mine and I owe them and that it was unpaid they resent the same document that I disputed. Then they stated they were going to resume collection efforts. I still dispute this debt and they wont provide proof as listed above. I have written them for the 3rd time demanding proof. I dont know what else to do except to reach out for support.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, INC.
State: WI
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:
Credit bureaus have not provided me with method of verification for late payments and has refused to mark my XXXX accounts disputed by consumer. I have asked for this information in XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, Experian, XXXX XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX Experian XXXX XXXX XXXX also being reported with mis account active dates. by all three, Experian, XXXX, XXXX. 
This account ( XXXX ) is being reported with in correct information on the balances., by Experian and XXXX. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, XXXX, and Experian. As well as XXXX reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX Experian 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 2020-09-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently viewed my credit report and noticed some inaccurate information that does not belong to me. I also noticed incorrect information reported that is hindering me from moving forward.

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 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account with Bank of America online and I read the detail that said a deposit of {$250.00} need to be made per cycle in order to waive the {$12.00} fee. This was in XXXX of XXXX. I did n't realize it but I was given a 90 grace period on the fee. When the grace period came up, in XXXX XXXX, I received the {$12.00} fee and I went back and reread the details of the fee schedule. I saw that it said a direct deposit of at least {$250.00}. I set up two monthly direct deposits of {$200.00} in XXXX but I continued to receive the fee. As this is a petty spending account I did n't realize that I was still accruing these fees until XXXX XXXX. I reached out to Bank of America today XXXX/XXXX/XXXX and they refunded {$24.00}, or two months worth of the fees but they refused to refund the rest of the fees that had been charged. The issue turned out being that the direct deposit itself needed to be {$250.00} not a total of {$250.00} a billing cycle. Regardless of whether or not I get my money back I feel that this statement should be qualified so that other people are not mislead as I was.Thank you for your help with this matter.

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 2018-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/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 2021-10-12
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/21, I request to recall of {$9200.00} through Citibank from XXXX XXXX  but the reply was that XXXX XXXX  cant reach the Beneficiary to return the fund. I filed a complaint on the consumer protection financial bureau on XXXX XXXX  on XX/XX/21 and XX/XX/21, XXXX XXXX  asked me to dispute funds associated with the scam with Citibank. I am disputing wire on XX/XX/21 of {$8400.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$9200.00} to XXXX XXXX ( account at XXXX : XXXX ), XX/XX/21 of {$2000.00} to XXXX XXXX ( account at XXXX : XXXX ) with Citibank

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 2017-12-06
Company: Experian Information Solutions Inc.
State: AZ
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 have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2021-04-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been the victim of identity theft and I have a letter to go along with the items listed in this letter. The individual of individuals used my credit without my consent. Here are the items : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation