BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-08
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
I had a Dispute with XXXX XXXX XXXX XXXX, which took almost 5 months to resolve. After sending numerous dispute letters to the company, they finally credited back the amount of the item that was purchased, that was never recieved. The company never resolved it, until i filed a CFPB complaint to get it resovle. 

Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement During this 5 months process, my account incurreced Fee 's each month, finance fee 's, which isn't allowed while my dispute in being handled. This company is not following FCRA guidelines in regards to my dispute. Also they are failing to even investigate the dispute with due diligence causing these fee 's. So, after they finally removed all charges that were under dispute, XXXX XXXX XXXX XXXX   left the Finance charges and then have reported it negatively to my Credit reports. This isn't correct. I've attached all dispute letters in reference to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: KS
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: Problem with personal statement of dispute

Complaint:
This is a student loan that my wife took from NAVIENT while attending college in XXXX. When we got divorced in XXXX of XXXX the divorce decree states that she is solely responsible for any and all student line debt. She has since filed bankruptcy and NAVIENT tells me, when I call them, that she included this loan in her bankruptcy. It shows as a charge off on my credit report so it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Statebridge Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint is against Statebridge Company for poor customer service. Refinanced my primary residence mortgage. After funding on the refi on XX/XX/XXXX, I noticed that my regularly scheduled payment with the servicer ( Statebridge Company ) came out of the account the following day. I required about the refund process on XXXX via email to the email address advised to contact ( XXXX ). No response a week later, so sent a follow up email on XX/XX/XXXX. No response a month later, and sent an additional follow up email on XX/XX/XXXX. My account is still debited for the XXXX payment and I am simply trying to get resolution on if I am due a refund as the payoff for the refi had interest up until XXXX and from what I can tell from my XXXX payments the interest is in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to call telling me I need to make a payment even after a payment has been processed. The call multiple times per day and harass me for a payment. I tell them I have already made a payment and they do not stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018 I was dealing with a seller from XXXX and transferred my funds to him though XXXX and as soon as I sent the money I immediately lost contact with the seller And my bank that Ive been with for 15 years said sorry theres nothing they can do Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I bought a used car from XXXX XXXX in XXXX XXXX NY. XX/XX/XXXX. By the time I bought used car XXXX XXXX XXXX I took loan from bank of America {$10000.00} the loan paper I signed at the time of purchase shown amount as I mentioned earlier. 

When I received my first bank statement I saw an amount of {$11000.00} I did call bank and get the information they told me that you tood extended warranty at the time of purchase. which I never did I have a proof which I signed at the time of purchase. Bank told me that they have two different contracts under my name one which I signed. Another one which has extended warranty which they signed electronically and I wasnt aware of that. Now its been three months Im having trouble to get my refund of {$1000.00} and Im paying interest on the amount which I never borrowed.

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 2020-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After reviewing my credit history I noticed a few account I have no knowledge of and believe my identity has been tampered with. I did not authorize any of these accounts nor have I inquired about them in no way. With that being said I would like this matter to be resolved by having them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I got charged a {$30.00} fax/email fee in order to get a loan pay off statement. I didn't have a choice but to agree to this fee. I don't understand why I am paying off this loan they get to charge me the consumer a {$30.00} fee just for them to hit print and print off a pay off statement. This is criminal - I never had a choice to agree to this fee or not. If I wanted to pay off my loan I had to agree to it in order to know how much I had to wire them to send it in. 

Flagstar Bank , FSB XXXX XXXX XXXX XXXX, MI 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 2018-06-08
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
I HAD AN OLD ACCOUNT FROM XXXX ABOUT 18 YEARS AGO WITH WENT INTO NEGATIVE STATUS DUE TO DISPUTE ITEMS. THEN I WAS SUED BY AN ATTORNEY NAME XXXX XXXX XXXX XXXX XXXX XXXX REPRESENTING XXXX XXXX XXXX INTO CIVIL COURT. WITHOUT ANY NOTICE I RECIEVED A DEFAULT JUDGEMENT AROUND 2006 THEN I WAS FORCED TO START PAYING AN INSTALMENT WHICH I COULD NOT AFFORD, THEN A FEW YEARS LATER I RECIEVED A LETTER FROM XXXX XXXX XXXX TELLING ME TO DISREGARDS ANY CORRESPONDENCE IN THIS CASE REGARING THE OLD DEBT. NOW AFTER 10 YEARS I AM SUED AGAIN BY THIS SAME ATTORNEY AT CIVIL COURT WHICH IS NOW IN PROGRESS, I FEEL THAT THIS ATTORNEY IS TRYING TO RIP ME OFF ALSO I THINK HE HAS SOME CONNCTION WITH THIS COURT MARSHAL NAME XXXX XXXX XXXX XXXX OF NEW YORK XXXX XXXX I FEEL THEY ARE WORKING TOGETHER TO RIP OFF INNOCENT PEOPLE. WOULD GREATLY APPRECIATE IF THERE IS ANY ONE OUT THERE WHO ABLE TO HELP ME WITH THIS MATTER. THANK YOU. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2018-06-08
Company: CITIBANK, N.A.
State: IN
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 received an alert on my XXXX XXXX account that there had been a change on my credit report, I logged into my XXXX account to review. On XX/XX/XXXX XXXX ran an inquiry on my credit. I contacted XXXX XXXX and was told I had to contact XXXX ( XXXX XXXX XXXX XXXX XXXX SD XXXX ) .to find out why they ran the inquiry and to have it removed from my credit report. 

I talked to 4 different people there including a supervisor none of which could tell me why the inquiry was done. I have not applied for any new credit or for a credit increase. To my knowledge it is illegal to run an inquiry without my consent, In these days of identity thief XXXX an very concerned about this.XXXX also told me that they could not remove this from my credit report since I did not have an account with them. Then how and why did they run an inquiry,

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 2019-07-12
Company: LoanCare, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello - My mortgage account transferred from XXXX to Loancare as of XX/XX/2019. I made an electronic payment of {$1100.00} to Loancare through XXXX XXXX Bill Pay on XX/XX/19, but used the old XXXX account number, as I didn't receive a notice advising my account number had changed until after the payment was made. 

This payment has not been posted to my mortgage account at Loancare as of XX/XX/19 despite various attempts to resolve the issue with Loancare. XXXX XXXX XXXX uses a processing company to deliver payments called XXXX ( also known as XXXX ) Bill Pay. A branch banker at XXXX XXXX sent XXXX Bill Pay electronic payment proof that the payment was made ( also attached the proof details to this complaint ). 

After not getting anywhere calling Loancare directly, I worked with a banker at XXXX XXXX XXXX who placed several calls with me to Loancare and provided the proof details to Loancare. When the issue remained unresolved, on XX/XX/19 a case was opened at XXXX XXXX and a Bill Pay Resolution specialist got involved. I placed a series of calls with this specialist and Loancare, each time being advised the issue would be escalated and resolved. On XX/XX/19, Loancare provided ticket number XXXX when XXXX XXXX XXXX once again sent proof details along with a request to post to the correct account. 

We then followed up with Loancare on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time being advised a supervisor would call back but either we did not get a call back or received a call back saying they would follow up again but not following through. 

I'm opening this complaint as a last resort. 

Thanks for your assistance.

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 2018-06-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have repeatedly been given wrong information by this company. I was told that I need med to follow certain criteria to get a co signer released, and I followed all their guidelines and it took over 5 years and plenty of headaches to finally get the co-signed released. When I originally start anything back I was on able to forward the payments at the time told me to speak to one of my parents to get the money for it to put in the forbearance little did I know that putting in to forbearance would compounding interest I also didnt understand why my student loans would range from interest rates 6 % to 10.75 % They have not worked with me said that there was nothing that they can do. This has been going on for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: Experian Information Solutions Inc.
State: PA
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:
I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my 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 non-monetary relief
Consumer complaint received 2015-07-14
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed several complaints with the CFPB regarding who owns my Mortgage and therefore who has the right to foreclose. Please see Case number : XXXX, Case number : XXXX, Case number : XXXX regarding my previous complaints on this matter. On XXXX/XXXX/2015 I received another letter from Nationstar Mortgage. The letter states that Nationstar may be moving forward with foreclosing on my property. The letter also states " The Foreclosure will be conducted in the name of : XXXX XXXX, XXXX XXXX, AS SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE TO XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX ( " Noteholder '' ). This seems like another contradiction to the information previously submitted to me by Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have know idea where this came from. Some one must've stolen my identity. At the time I was living with my sister I don't know who is impersonating me. I think maybe she knows something about this. I will press full. Charges. This is not my debt. It for XXXX $ at an XXXX XXXX. Original. Creditor is 12 capital   one. On XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: EQUIFAX, INC.
State: LA
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:
On XX/XX/2017 I submitted disputes on the item below. To this date, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX {$510.00} XXXX {$590.00} XXXX XXXX XXXX {$6800.00} Equifax is in violation of the FCRA regulation below : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: Experian Information Solutions Inc.
State: MI
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:
I have called, wrote and disputed this situation with Experian on countless occasions and yet has Experian handled this properly. Experian is reporting incorrect information on my credit file. The information that's reported is a civil judgement with XXXX XXXX XXXX. Upon my own investigation on the civil judgement I learned that Experian has not been in compliance. Neither Experian or anyone else has ever contacted the District Court to verify that in fact the said civil judgement that they're reporting on my credit profile actually belonged to me. Experian has not verified the accuracy ( time/dates, name, birthday, social security number etc. ). Experian told me that the information was verified through the District court but when I went to the District court the  clerk informed me that they don't share information with 3rd parties, nor do they ( the courts ) report information to 3rd parties but most importantly no one has been in to verify/ update information. So, according to the FCRA I am exercising my rights to resolve this issue.

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 2019-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have tried several times over the last couple of years to have Capital One lower our interest rate on our credit card, with no avail. I pay the card on time, and often early, and always pay more than the minimum. This positive track record dates back more than five years, yet when I call to request the rate to be lower no one can help me and have never been granted a reduction. Is there any regulations over the rates these companies charge and how often the reduce the interest rates :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Comerica
State: WI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15
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 Platinum checking account with Citizens Bank online by clicking the " Open Account '' button on a page that promised a {$400.00} bonus after a direct deposit of {$1000.00} or more within sixty days of account opening. I opened the account on XX/XX/2018, and a direct deposit of {$1000.00} posted on XX/XX/XXXX. The terms and conditions stated that the bonus would be paid within 90 days of the direct deposit. I called 90 days after the deposit and spoke to a customer service representative and forwarded her the screenshot of the bonus terms and conditions as requested. Her manager XXXX called me back a week later and stated that the bank would not be able to honor the {$400.00} bonus because a promo code was not attached to my Platinum checking account.

Company response to consumer: Closed with monetary relief