BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: National Student Debt Advisory Corp.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Not really much to report. Phone # in questions is for our small business and we 've NEVER had a student loan, had an employee or even a family member with or even cosigned on/for a student loan and these folks no matter how many times we have asked politely and also of late " not so politely '' continue to call on a DAILY BASIS and it seems always from different numbers. When we waste our time and manage to get to a real person the company is always the same. XXXX XXXX XXXX XXXX out of XXXX XXXX California. Office # XXXX or XXXX Problem has now escalated as the latest caller has upped the ante to " threats of physical harm '' and stated that she will keep calling until we finally admit we had or cosigned on a loan and that our number was somehow associated to a loan, but they 're always unable ( more like unwilling ) to provide a name of who may of taken out said loan. 

How the heck do we make this XXXX stop, even more so now that the calls have become threatening?

Company response to consumer: Untimely response
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was never late paying my accounts XXXX/XXXX XXXX XXXX XXXX, and XXXX XXXX I disputed the accounts with Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2020-05-08
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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.

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 2019-01-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
They sent me an arbitration letter and he said I had to sign it now or I would be subpeona at my job the following day and that I had to pay a down payment which I paid {$75.00}. I asked if I could just call him back so I could look up the account information he was referring to. He said he would take my home if I didn't pay. I signed the letter because I was freaking out that he wanted to take my home. So that was mid XX/XX/XXXX, then he was supposed to take an additional {$830.00}, but then I called my banking institution and spoke to their records dept and they gave me a different account number. So I called the debt collector back and he said they had the right to change the account number and that I had to pay by XXXX XXXX time. I told him I would pay any valid debt, but wouldn't pay on an account that wasn't mine. So I asked him to re-send the paperwork with the correct account number and he refused. I called him back to tell him I spoke with the Attorney General and the FTC and he started yelling at me and said " good luck winning in court '' and hung up on me.

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 2018-10-07
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: Public record information inaccurate

Complaint:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from XXXX, Experian, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on XXXX, Experian, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, 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 2018-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied online for a credit card from Capital One The card arrived with a fine print agreement which I read and found unacceptable Phoned the impossible to find phone number by calling the validation line and clicking " O ' several times. Informed that account could be closed by submitting my social security number over the phone.Spoke with gentleman called XXXX declining to provide SS # over phone. Informed, therefore account can not be closed. 

I want the account closed and information sharing be prevented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: DISCOVER BANK
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:
Filed a dispute for prepaid damaged goods I received. I submitted 13 exhibits to the credit card company with my dispute to back up my position of the damaged goods produced and delivered by the merchant. I have proof of the upload of those exhibits, I also notified the credit card company that they had an extended warranty policy attached to the use of their credit card use by the consumer which I relied upon and thus used the credit card with confidence due to that feature. 
Credit card company provided a temporary credit and subsequently ruled in my favor with the right of the merchant to appeal their decision. I was notified that any documentation the merchant provided would be sent to me and that arbitration if required would take place The credit card company reversed the dispute initially in my favor stating only that they received documentation from the merchant. They did not provide copies of any documents they stated they would. They claim that I only uploaded 3 exhibits, although I have proof of the 13 uploads on their platform. 
Those so-called missing exhibits were critical in establishing my claim of damaged goods including the acknowledgment by the merchant of the poorly produced and defective product. 

The credit card company made a reversal of the dispute without considering the facts and without extending my right to appeal and view the documents submitted by the merchant. They also indicate that their extended warranty policy was terminated and no longer offered to the users of their credit card. 
I indicated to them that they were required to provide me notice of that change in terms or policy which they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For months, I have been having issues with PNC about connecting my account to third party apps. PNC have prevented me from being able to link my accounts and I am sick of it. This needs to be corrected or I have no choice but to leave and go someone else. I understand that they are trying to protect our accounts but if we are given the option to follow the correct steps for apps to have access to our accounts, why not allow these apps to link the accounts. This has been going on for a while and I am sick and tired of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
Hello, I have been trying every month for the last year to get inaccurate information removed from my credit report. I started in XX/XX/2019 and have tried every month since then, I keep receiving correspondences back that state verified. I have contacted the Bankruptcy court that states that they do not report to credit agencies, and I have also contact XXXX XXXX and they have not been able to provide me with a method of verification. How is the bureau verifying this info, if I the consumer am unable to verify the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: CITIBANK, N.A.
State: IL
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 rewards from credit card

Complaint:
For my CitiPremier card, I was told by XXXX on XX/XX/2019 that my sign up bonus of XXXX ThankYou points will be updated by XX/XX/2019. It is now past this date, and I still do not have the points. Please post the sign up bonus, as it is now late from the promised date.

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 2022-03-01
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today, the XXXX of XXXX, Chime bank sent me an email notifying me that it was no longer in their interest to do business with me and that they had gone ahead and closed my checking account, credit builder account, and savings account- specifically stating that none of my funds would be reimbursed or paid out to me in any way. This was right after I made an {$800.00} cash deposit at a XXXX, and I am scheduled to receive my lease deposit of {$1200.00} tomorrow. 

Simply put, Chime has stolen from me and abruptly closed my account. If I had done this to another individual, I would be charged with theft and put in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some fraud and derogatory accounts reporting on my credit report, I have contact the creditor directly by certify mail going back to XX/XX/2017. 
I also create a dispute with the three credit bureaus XXXX, XXXX, XXXX XXXX please help to get this out of my credit. I would like to have a right to sue civil please issue me a letter with a right to sue and collect damages. 
I will attach all the certify letter sent to the creditor. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information 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 2018-10-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
First off, I have NEVER applied for, nor do I have any account associated with Chase Bank. I first received a letter telling me that some purchase on my account was suspicious and I needed to contact the bank in order to protect my account. I did call and became suspicious when they started asking me personal info like my birth date and SS number. I provided neither. A few days later I received a letter stating I could no longer use the account because I did not provide the information requested. A few days after that I received a card that needed activation for the account. The problem is I have never applied for an account. They spelled my name wrong and they used my grandparents address and not mine. I know this is all a fraud but I need to be certain they haven't affected anything else having to do with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions 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:
In accordance with the fair credit Reporting act, The list of accounts below has violated my protected consumer rightist privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer fo any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 US C 1681c. ( a ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction of crimes which antedates the report by more than seven years.

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 2018-04-10
Company: NATIONSTAR MORTGAGE LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting cancellation of private mortgage insurance for the past four years. I have contacted Nationstar/Mr. Cooper many times asking for this to no avail. They sent an appraiser out in XX/XX/2017 and I have still not heard anything back. I contacted them following this appraisal and they claimed that they never did an appraisal. I am above 80 % loan to value and have been for years. I am requesting they refund this premium back to the original request date and cancel this coverage. 

I appreciate you help in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I purchased a phone from XXXX through XXXX XXXX XXXX. I read their terms and conditions and then I finished my purchase which led to them automatically applying for a XXXX XXXX XXXX XXXX on my behalf. I was notified that my XXXX XXXX XXXX XXXX was approved with {$3200.00} credit line. I was given an account number and I am registered in their system. I got the confirmation for the purchase and was notified that the order will be delivered within 2 business days after shipping. XXXX never shipped the phone! After waiting a week, I talked to XXXX customer service and they told me there is some unknown issue with the XXXX XXXX XXXX XXXX and I have to talk to them and advised me to cancel and reorder. I eventually canceled the order and tried to reorder in their website but it wasnt working, telling me that I dont have any credit line available in my account. I checked my account and it was showing {$0.00} credit line available and no record of any purchase or transaction on my account. Then I talk to TD Bank and they said the problem is not from their side and my account is under review and they are waiting for XXXX to confirm my order and there is nothing they can do about it. They kept passing me to the other party, XXXX and TD Bank, and none of them was taking any responsibility for the matter. Right now, I have a credit account opened in my name with {$0.00} credit line and a hard inquiry on my credit record as a result. It seems that they prefer to do nothing about it. I didnt get the product I ordered. I didnt get any credit line. Just an account opened in my name with zero use for me. 

I checked XXXX online forum and there are so many people having the same issue and they all got nowhere and very unhappy about it. It is definitely a known issue for them, XXXX and TD Bank, and it seems they decide to ignore and not recognize it. 

Here is some other people who experienced the same thing and got no help : https : XXXX https : XXXX https : XXXX https : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting documents detailing the correspondence and inaccuracies that have yet to be corrected by 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 2019-01-31
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
At first Barclay Bank would call and we had a payment plan set up for {$20.00} a month in XXXX because I was going through a rough patch and the representative said they could help soothe the damage it may do if I didn't pay anything at all. While I was still paying on the payment plan they sent the debt to numerous debt collectors, who proceeded to harass me over the funds owed to original bank at an even higher amount. About a year later, XXXX, Barclay bank filed a lawsuit which I was not given any notice of to dispute, just a date for court, which resulted in my income taxes being garnished for over a thousand dollars. Directly after the withholding of my taxes, I reached out to the company and was insured that the dispute was settled. But now I am still being harassed by debt collectors on behalf of Barclay Bank for the full amount of the original debt.

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