BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi, I called Citi Bank on XX/XX/XXXX to downgrade my current credit card with them for a card of theirs with no annual fee. After 10 minutes in the automated system trying to talk to a customer service representative I got to the cancel you card thing, thinking thats when I would talk to a customer service representative I went into that many, and the card got cancel with no verbal confirmation. I was told that my card couldn't get downgraded with out verbal confirmation but some how it got canceled with it. I was able to get to a customer service rep right afterwards but it was canceled. I got passed around to 3 reps and finally they said I could appeal the decision which I did and then I should call back in 10 days. I called back 14 days later and it was said that no request got inputted into the system and now I can reply and get charge the annual fee again and have a hard pull on my credit. They were extremely unprofessional with all of it. And I have over an hour on the phone with htem.

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 2020-05-11
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed medical bills for the last 8 months with collection bureau and  collection agency asking to validate the debt. Finally after 8 months a letter was sent to me in direct violation of my rights according to hippa law. A law designed to provide privacy standards to protect patients medical records and other health information provided to health plans , dr or other providers. Hippa prevents any medical documentation to be shared. when the debt was sold the collection agency or firm that is all they got the debt, no details, just the dollar amount and the date that it was acquired.My signature is signed on terms of agreement XX/XX/XXXX these debts date back to XXXX and still it does not say that they will give out my personal information to credit collection agencies and bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not 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 2019-01-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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:
Inquiries bad remarks on my report that I don't recognize

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 2018-06-19
Company: NAVY FEDERAL CREDIT UNION
State: NY
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 never had an account with Navy Federal. This is a fraudulent account and i would like for it to be closed out and removed from my credit report. 

Please Remove and close this account promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For the past year I have asked this company to validate that this debt and the only information they have been able to provide me with is what appears to be unpaid bills. 

This company is reporting to the ( 3 ) Credit Bureau 's : XXXX, XXXX, and XXXX that I owe {$780.00}. This has been a highly negative impact on my personal credit report. Please understand this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that the claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the complaint against Amex Business credit card ending in XXXX. All payments have been made and the card has been closed 2-months ago. And here I receive a payment notification of {$170.00}. What for? 
This card troubled me from the very beginning - it was approved immediately but never reached me. As a result, I could not receive any benefits. Then the card was neither received nor in my use but I keep on receiving notifications about the charges made on the card. Id be asked to pay those unauthorized charges along with the elate fee/interest charges that were added to the unauthorized transactions. 
Also, this card didnt have the annual fee for the first year. But I receive the card so late that I was asked to pay the annual fee for the 2nd year. And so I canceled the card. But now, two months later I received a notification from Amex to pay {$170.00}. I wonder what is it for when all the payments have been made. Please help in terms of 2 Amex credit cards : 1. XXXX - XXXX XXXX 2. XXXX XXXX XXXX Please help me in terms of removing these unauthorized charges and closing both the Amex cards permanently. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021. 

Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control. 

First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases. 

Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed. 

I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time. 

I am attaching screenshots of transactions showing the transactions were made before the deadline. 

I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.

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 2019-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i need fraud alert removed from my report asap

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 2021-07-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Wednesday, XX/XX/XXXX my Wells Fargo Debit Card was fraudulently used with XXXX 's, XXXX Grocery, and XXXX. I received {$93.00} in charges against my Checking Account from Florida. XXXX 's Charge was for {$61.00} and XXXX was for {$31.00}. The XXXX charge was declined by my bank for suspected fraud. Wells Fargo has issued me a new debit card and has provided me a claim number while they investigate.

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 2020-05-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi : XXXX XXXX XXXX  put my account in forbearance. I never requested this or wanted it but thought to look at my account status after reading this article : XXXX XXXX XXXX I was shocked to see my account was put into forebearance without my request to do so. My account is in good standing. There have been no missed payments. I want forbearance off my account because this was a gross mistake by XXXX XXXX. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: JPMORGAN CHASE & CO.
State: MA
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:
So I applied for a XXXX  rewards card from chase. I got a notice that they needed more information so I called them. The woman on the phone told me that they felt I had too may credit cards. So is there a limit as to how many I can have? Who does Chase think they are to tell me how to manage my money? They never disclosed that there was a limit to how many cards I can have! Will this impact my credit report? Whats even on my credit report now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citizens bank with a promotion to receive {$400.00} after having a direct deposit of {$1000.00} or more. I made this direct deposit on XX/XX/XXXX and its been over a month with no bonus yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: KY
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 received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau. 

This is coming from XXXX XXXX. I will attach a copy of a utility bill to prove myself.

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 2018-02-21
Company: Navient Solutions, LLC.
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spent years dealing with Navient/XXXX XXXX on repayment with my student loans. Navient stated they are " not required to act in my best interest '' and make it genuinely difficult to have viable resolution to my repayment of private student loans. My personal largest monthly payment is student loans. They increasingly make it harder to get support by way of programs or modified repayment terms that make sense. I had a previous complaint with CFPB, but they were unable to help as my story was compelling, but out of their control. Private student loans have no regulator oversight to the manner in which Navient is able to railroad borrowers into repayments that are beyond " suitable '' and they know it. I have been working with a representative from Navients, Office of the Customer Advocate, which is really just the long way around getting things accomplished and they are unable to offer any other alternatives versus speaking with general customer service. They have a tendency to slow walk processes and waste time as they know there is no reason to be accountable. Considerations that I was given before are now longer mysteriously no longer available and the story is always changing. The continual " moving of the goal post '' makes ones largest debt commitment an ever moving target that is unable to be hit. Consistently getting hit with various late fees over the years that make it even harder to climb out of the financial hole.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Common Wealth Financial System Inc XXXX XXXX XXXX XXXX XXXX, PA XXXX Derogatory credit on my credit report. I sent letter XX/XX/2019 asking for documentation of debt. I was not provided any information or original documentation including bills etc. I am unsure of what this creditor is referring to and need proof of legitimacy. 
If company can not provide documentation I would request it be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: NAVY FEDERAL CREDIT UNION
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:
Apparently someone has an account with a fake email and my information on it through XXXX. They purchased {$2000.00} worth of merchandise allegedly and it was apparently sent to my house without signature. This is WRONG. I called Navy Federal and they told me to open it as a fraud claim, so they did. Now 2 months later, NFCU tells me that since " XXXX '' has my address information, it must be me! Navy Federal scammed me out of my money with no evidence at all except a tracking that shows it was left at a " door ''. No evidence what it was, where it went, or anything. I never got any item. Now I tried to contact them to dispute since they opened a fraud claim and now they ruined me for it. They told me I should have open a " never received merchandise '' dispute now, but they won't let me open one. Navy Federal XXXX  me out of 2k+ and expects me to pay with no hard evidence that XXXX had to say it was me. Oh wow XXXX has my address! I have done business with XXXX a long time ago, so NO WONDER!!! Navy Federal has disappointed me time and time again recently with this process. They need to re-train their representatives. They are not looking out for anyone 's best interest. I am sure they lost my information to a hacker and now want me to pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Having issued three cease and desist letters for them to comply. I called about illegal negative actions they were attempting to conduct. Even though I have initiatied this conduct the gentleman who called me b came anusive and disparaging towards me ; despite I can contact them to discuss this matter he refused citing the cease and desist and disenfranchised me from recourse with them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Today ( XX/XX/XXXX ) and last Friday ( XX/XX/XXXX ) Advance America has called my employer in an attempt to collect a pay day loan. To my understanding, it is illegal for them to contact my employer in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This is about ALLY FINANCIAL. I paid this auto loan off in full. I received my title and payoff letter. On my credit report the loan was closed out but then days later I noticed a duplicate account made with a balance reported. I called a number of times for a number of days. No one would give me a straight answer and there were times when operators were disconnecting calls. It wasnt until XX/XX/19 when I got a letter stating the balance owed was for a repo charge. I never even had a late payment and like I stated earlier the balance is paid in full. When I would talk to someone, instead of correcting the obvious error, they would just bounce me to another department. I am beyond frustrated at this point and feel that no consumer should have to go through 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 2020-08-19
Company: Experian Information Solutions Inc.
State: NY
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:
To whom it may concern, I am being hit with a hard inquiry from XXXX XXXX for the month of XX/XX/2020. I did not apply for anything XXXX   XXXX or XXXX. I did not authorize anyone to run my credit profile nor did i sign anything. This is 100 % fraud. I am asking for this to please be removed from file to all credit reporting services.

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 2020-06-29
Company: ALLY FINANCIAL INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
am making additional principal payments, the are still applying interest even though am cuurent on loan. one supervisor stated amount should only applyy as principal reduction. after multiple calls and attempting to pay online, the additional monies are being partially applied to interest although this is to be a simple interest loan with ally financial.

Company response to consumer: Closed with explanation