BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-01
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:
XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! 

Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
Freezing my credit report should be easier, and free The current situation is absurd

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made a payment through the companies website and they purposely mis-allocated. For example, I have 3 private loans and 1 federal loan with Navient. I made a single payment to cover my 3 private loans based on the amount they said was due and they used that money and applied it solely to the federal loan leaving the private loans unpaid causing my account to be late. In support, my private loans total approx $ 1k per month and my federal loan {$50.00} so they took the $ XXXX and applied all to federal in the form of a prepayment instead of covering loans due. Further more, this is not the first time this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 around XXXX I went to a bank of America ATM located XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I deposited {$250.00} to pay my bills with. The machine/ATM said it could not take some of my bills and spit out. 1 {$5.00} bill and 1 {$1.00} bill. The ATM still has my cash, an error occurred screen stayed on " plz take cash '' wouldn't give me my card our change screen. I called the bank within minutes. As I'm on hold 2 XXXX American women that were waiting on me to get out said the same thing happened to them when I told them what was going on then after waiting at the ATM for 5 minutes it spit out my card I put my card back in to check the balance as two women said the ATM didn't credit them. Also an XXXX guy came to the ATM I told him what was happening with the ATM, he also stated this problem has happened to him as well. The bank is saying it can take up to 15 days to get my hard earned money. My bills will be paid late, and I will be charged interest. The bank refuses to have a technician go to the ATM to check it out after spending an hr and 15 minutes getting switched and put on hold. This ATM has exactly 4 {$50.00} bills, 2 {$20.00} bills, 2 {$5.00} bills and 3 {$3.00} bills Equaling {$250.00} needed to pay my bills. Total deposited {$250.00} - {$6.00} returned Equalling {$250.00}.

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 2022-02-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I'm a XXXX struggling student that is living on Social Security SSI income that recently lost my job due to the Covid Pandemic. Im struggling to pay for rent and food and other necessities and I will like if you can please have the courtesy of cease and desist on all my debt due to me being XXXX living on Social Security SSI fixed income which is a violation and against the law tu sue a XXXX person living on a fixed Social Security income. I will like for you to please have the courtesy of stopping and canceling the lawsuit on XX/XX/XXXX and email me a confirmation from you and your lawyer saying you cancelled and stopped the lawsuit through this cfpb message or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vehicle on X/XX/17 at XXXX XXXX, however on my Equifax credit report I am showing that I have 12 hard inquires pulled that day. That makes a combination of 23 hard inquires total. I have called Equifax on XXXX X/X/17 and X/XX/17 in attempt to resolve this matter. I know my rights as a consumer when shopping for a vehicle or home that when my credit file is pulled many times within a 14-30 day window that those hard inquires are suppose to fall off or count as one inquiry. However on my credit report my fico it is reflecting a total of 23 inquires which 12 are from the XX/XX/XXXX- XX/XX/XXXX shopping period. These inquires have added a hardship by affecting my placing me in a high risk category for credit worthiness. I have been denied credit with reason specifically stating I was denied by having too many hard inquires on my credit file. I am being victimized and my requests are being ignored by Equifax. I am asking for help on this matter as I have failed to get a resolution many times myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

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 2017-07-13
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: Old information reappears or never goes away

Complaint:
XX/XX/2017 A computer glitch that was TransUnion 's problem - not mines - caused my inquiries to be deleted.However TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them being re-adding, I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.These inquiries has added a hardship, My rights were violated by TransUnion. I am asking for your help with making TransUnion stop victimizing Me.I Ask for resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is not my account, my ex-wife fraudulently opened the account right before our divorce. I have never purchased a vehicle from this car lot, nor will I ever. Multiple disputes have gone " verified '' - show me my VALID signature. XXXX, TU, and " XXXX XXXX XXXX '' are ruining my credit illegally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Ad Astra Recovery Services 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:
I was a victim of identity theft from the time I was XXXX years old. I learned about the identity theft in XXXX of 2009. I filed a police report and identity theft claim at that time. The items ( tax liens and XXXX XXXX account ) were removed from my XXXX XXXX and XXXX reports. XXXX still lists these accounts that are not mine. I have attempted to remove them via XXXX County Recorder however, they can not access these tax liens because my social security number is associated with the persons name that stole my identity many years ago. This is the same issue with the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
For more than fifteen years, I have had a municipal bond account with Citizens Bank in XXXX, Rhode Island. Several years ago all my bonds matured and I had approximately {$40000.00} sitting in an account. I met with a Citizens representative at the XXXX branch office and discussed new municipal bond purchases. I questioned the representative about fees that he would receive, He explained his commission. I bought {$40000.00} of new municipal bonds. 
Several years passed. 
XX/XX/XXXX, 2017 I received a letter from Citizens informing me there was a {$75.00} annual fee for managing my account. If I did n't pay, they informed me, they would withdraw the money from my account. 
I called the information number. They told me the fee had previously been charged only to accounts under {$10000.00}, but it had been changed to under {$50000.00}. The person told me I could complain to a second phone number. 
I called the second number and left a message/ They returned my call and left me a message with the same information. 
The {$75.00} fee amounts to theft. They sold me a product for a price, and I bought it. Then they changed the price, siphoning off {$75.00} a year for the life of the bonds, reducing the value of the product I bought.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I pay my bill in full and on time. Yet Macys continues to send statements after my bill is paid looking for {$2.00} in interest charges. I called in XX/XX/XXXX thinking it was a mistake. They tried to fast talk me about interest and they removed fee. But they did the same thing in XX/XX/XXXX. When the bill is paid in full there should be no interest. I suspect Macys is just ripping people off. Many people will just pay that small amount because of the hassle but I wont. Its just wrong. Im cutting up my Macys charge. Please make them stop. 
Thank you so much.

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 2019-10-07
Company: ID Analytics, 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:
SageStream states on its website that disputes, requests for credit files, or requests to freeze one 's file may be submitted by fax to ( XXXX ) XXXX. Yet, after many attempts to submit a fax to this number over several days and a few different fax machines, all submissions failed -- the stated reason being that SageStream 's fax number was busy. The business seems to be engaging in false statements, namely that requests can be submitted by fax. They seem to force consumers to submit requests through regular mail which is slow and time consuming. In effect, they make the dispute/information request processes excessively difficult to deter consumers from accessing their credit files per the spirit of the FCRA. If this company wants to function similarly to the three major credit bureaus, it should be incumbent upon them to allow online access to credit files ... not restricting access to outdated, complex requests. Nor force consumers to pay for postage just to obtain a " free '' credit report or freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. 

thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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:
To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a 20 year 100 % XXXX XXXX  Veteran, with a complaint about JP Morgan Chase Bank. An account for checking/savings was opened XX/XX/2019, to take care of my banking needs. There was a valid cashiers check from XXXX XXXX Bank for {$2700.00} deposited into my checking, as told shouldn't take more then 24 hours. 2 days later my account was closed without warning with no justification, and my check was to this day never released.Now all my Federal deposits never came through, bills have bounced for insufficient funds, because they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Chime Financial Inc
State: CO
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 booked a hotel, paid online. I was then refused a room and refused a refund. I filed a complaint with my bank they refused to refund. I filed a complaint with cfpb and was refused a refund. I filed a second complaint with cfpb and was informed that a chargeback had been issued to the merchant and I should have a refund within 90 days. Its been 90 days and still no refund. Called chime directly and got a run around for an hour on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Account information incorrect

Complaint:
I contacted Experian on numerous occasions via telephone in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also disputed multiple inaccurate inquiries online and via US Mail. They replied each time that all inquiries are factual when in case they are not. I have a fraud alert on my credit report and unauthorized inquiries that I absolutely did not authorize after several failed attempts with Experian they have not deleted any of the inquiries. I am trying to purchase my first home and having so many inquiries on my report is slowing down the purchase process.

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 2019-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A month ago I put requested a fraud alert removed from my credit with XXXX  Equifax, and XXXX They have yet to do do. I need a car and my credit cant be pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Around XX/XX/2019, i was solicited with an online offer from Citibank to establish a " Citibank account '' package and deposit {$15000.00} into the account, maintain it for 60 days along with direct deposit activities and i would receive {$400.00}. I have maintained my end of the deal and fulfilled the requirements. I followed up 4-5 times with citibank customer service reps by chat, phone and email and they notated my account to be eligible for the bonus and will be credited accordingly. 4 months later, i received an email saying i am not eligible for the promotion.

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