BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After discussing with a customer service rep via their chat service the waiver of a late fee and interest for a balance due on my XX/XX/XXXX statement I made a payment that I was under the impression would bring the account to a XXXX  balance. The next month I received a statement showing a remaining balance of {$10.00}. I believe this was due to a credit not reflecting on the statement before it had printed based on my conversation with the representative in XXXX. In XXXX I received a new statement showing a new late fee and interest on the {$10.00} balance from the previous month. I paid the previous balance due, though I did not believe that amount to be correct, and tried several times to chat with the company in XXXX but ran into technical issues on their end that was preventing our connection. When I connected on XX/XX/XXXX via chat to discuss the now 2 late fees and interest charges that had occurred I was advised that even though the conversation I had with the representative back in XXXX led me to believe I would have a XXXX balance on the account, they would only waive 1 set of additional {$10.00} charges, leaving me to owe {$22.00} currently for fees and interest I thought was being credited back in XXXX and they are making money off of stacking fees when no new transactions have occurred since the XX/XX/XXXX statement. There was also no mention of the {$10.00} payment I made on XX/XX/XXXX, and how that is credited towards this supposed balance due. 

Their chat service does not offer to send a copy of the transcript for a customer 's records, so I have no documentation to refer to from the original chat for the company to see where the miscommunication occurred or to counsel the representative that I worked with in XXXX or this most recent conservation in XXXX. It seems this is an easy way for them to nickle and dime their customers who probably have small balances and/or pay them off in full because of being a store credit card that most people most likely only charge at on an occasional basis, and they might not make as much money in interest on this store. I could've easily paid off {$10.00} on time had I thought I needed to, and now the balance increased to 3x that amount with no new purchases.

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 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The Chase bank account I opened on XX/XX/XXXX has been locked. I have the account opening certificate and my deposit certificate. My bank account balance is US {$5000.00}. They shirk responsibility for various reasons and refuse to return my deposits that belong to me. My request is to get my hard-earned money back, as well as my lost time and lost wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Dear Sir/ Maam To whom it may concern, I have a few late payments to my Loan # : XXXX which is now current and up-to-date payments immediately executed. On XX/XX/XXXX my wife XXXX  unexpectedly. 
Her XXXX  was and still is a severe setback for me in many ways. She was the finance specialist of the household and I did not handle bill payments for almost XXXX decades. 
Her XXXX  unfortunately deeply affected my bill-paying capabilities. Not financially, but just learning the strategy of paying. 
Our mortgage was set up with an institution that closed or inactivated our account upon notice of my wifes XXXX. 
The majority of our bills like this one are on auto-pay. By inactivating the account ( un unknown to me ) while the funds were in the account the mortgage payments were not processed.

As soon as I was notified ; the problem was corrected and I have set up autopay once again now with XXXX. I have also written XXXX, Transunion, and XXXX to rectify the credit issue. 


Thank you in advance for your assistance to resolve my situation. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  MD. XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Acct # 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 non-monetary relief
Consumer complaint received 2018-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied a card when should of gotten approved. The lady at capital one told me on the phone that I should get approved and they do n't do a hard credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. XXXX XXXX XXXX. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance : {$930.00} XXXX XXXX  XXXX Balance : {$240000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}. Please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please correct or fix the inaccurate items information as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I was charged an amount of {$880.00} by XXXX XXXX XXXX ( merchant ), a whopping {$700.00} more than what I should have paid for the service. I contacted the merchant ( XXXX XXXX XXXX - a subsidiary of XXXX XXXX ) on XX/XX/XXXX, trying to resolve this issue and was met with hostile customer service practice. No refund was issued. The merchant simply sent me the same receipt that I am in dispute with. The merchant has recorded record of my call with them on XX/XX/XXXX, and know that I have no control of the vehicle since XX/XX/XXXX. 

I also immediately filed a dispute with Bank of America for the same amount of {$700.00}. On XX/XX/XXXX, I received a letter denying my claim citing merchant has proof of receipt. I called to Bank of America on XX/XX/XXXX expressing that I disagreed with the result, asking the bank institution to at least try to hold this fund while my complaint is being filed with the Attorney General 's office in Washington DC. In this case, the bank did not do enough to stand by its customer 's side to fight with amount that was wrongfully charged. By the tone of the service representative of the Claim Department, it sounded like something that they would not spend an effort to fight for, asking me to send proof of receipt, when my dispute was with the receipt that I have received from the merchant.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX while trying to pay a credit card bull at a Bank of America on XXXX XXXX in XXXX TX, the machine ate my money but refused to credit the account, They issued a temporary credit of {$300.00} but then rendered a decision a month later to reverse it, They sent a letter, stating that it was transferred to another department because it wasn't an ATM issue, which is completely false.

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 2023-12-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
Hard inquires that I don't recall. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, TXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX Balance Owed : {$5900.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Helloo.. 
My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted letters to TransUnion onXX/XX/2018, XX/XX/2018 and again on XX/XX/2018. They have refused to verify these accounts and are in violation of the FCRAs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: BROKER SOLUTIONS, INC.
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
New American Funding has called me 5 times in the last 2 days about refinancing my home. One the initial call at XXXXXXXX XXXX, yesterday XXXX. I advised the company that I was not interested in consolidating my mortgage at this time. The continued to call : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX I was told on the XXXX XXXX call, my number was in a auto-dialer and would be removed. However, this is a new day and I am still receiving calls from them. I advised the last woman, that even if I would consider a refinance I would never go through there company because of this practice and that I would be reporting the offense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was on a forbearance plan through covid. I applied for a modification on XX/XX/XXXX. I made the 3 on time payments needed to be accepted for the modification. I was going to make my XXXX payment on XX/XX/XXXX and I could not online so I called and they told me I was denied for the modification and could not make a payment. 

My XXXX year old son and I live in our home. I have lived and paid for our home since XXXX. We love our home. I was let go for covid in XXXX of XXXX. I can make payments now and they wont let me? 

How can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
my ex co worker signed over his check to me. i deposited the check. it cleared and then they put a hold on my account. when i called capital one, they told me i needed to come in with my co. worker and present i.d .. well the closest capital one branch is 400 miles away. I informed them of the distance. Then i was told to go to one of their sister banks XXXX. i went to XXXX  and they told me they arent affiliated with capital one. so i called several times then finally a manager told me they cancelled my account. and it was pending an investigation. i keep calling and they never give me a release date and i can never speak to the person in charge if the investigation. It has been almost 2 years now and im still getting bank statements showing my balance of XXXX yet the account is supposed to be closed. i never recieved any phone calls regarding my money. i no longer at the employer and i have no clue where co. worker is. its been more than enough time to do their investigation. 2 years. i needed the money and i ended up losing my vehicle because i got behind on payments due to their negligence. Im also aware that capital one has a huge law suit against them already for the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation