BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I just paid off a $ XXXX student loan over the phone. I asked to pay extra money to cover the interest while the payment was processing so that I could ensure that the account was completely paid off, but the Navient representative said I didn't need to do that. The account continued to gain interest while the payment was processing, so I called Navient back and they said the interest charges would drop off in a couple of weeks. Months went by and the charges never dropped off, and the interest continued to compound, so I finally just paid it off because I haven't been able to reach a resolution with them. I feel that this is a bad business practice and that I should not have owed them anymore money after the original payment I made and the conversation I had with the representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX, I went to Speedy Cash at XXXX XXXX XXXX, XXXX, CA XXXX. I m a returning customer who requested a payday loan, but the store representative could not locate my account. She created a new file and had me complete a new application. I was advised by the store representative that a soft pull would be conducted on my credit report, and I would not receive a hard inquiry if I turned in an application. I found out weeks later that I did receive a hard inquiry under the name XXXX XXXX, also known as Speedy Cash. I went back to the Speedy Cash in XXXX and told the manager XXXX what happened. She also stated it should have been a soft pull. I told XXXX if I knew there would be a hard pull, then I would have never applied because I can't afford any inquiries at this moment. 
She provided me with the Corporate phone number XXXX, and the email : XXXX. I called and spoke to the representative XXXX XXXX and explained the situation. I was assured by the representative that the hard inquiry would be removed due to the nature of the incident. As of XX/XX/XXXX, the inquiry remains on Equifax. 
The remedy I am seeking is to have the inquiry removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing a complaint as a response to my recent dispute with Transunion from XX/XX/20. There is a collection account I have disputed/had removed twice and the same account was deemed " accurate '' with the recent dispute. Initially, I filed a complaint against the original creditor, XXXX with the collection agency, XXXX XXXX XXXX included. The complaint was not able to be sent to XXXX ( which was the source to resolve issue ). After research, I discovered XXXX is no longer a company. I am addressing the issue with Transunion as this is where the disputes began with XXXX. This account has been previously disputed and removed from my credit report twice : 1. XXXX XXXXXXXX on XX/XX/20 and 2. XXXX on XX/XX/20. First, I made a counter-offer of 42 % to their 70 % offer for settlement, mailed payment and it was rejected/requested to pay full amount. Second, I spoke with a representative on the phone, agreed to pay 50 % and requested the offer in writing. I never received the offer in writing. I have requested cease of communication from the current collection agency. I prefer to address issue with XXXX, but I wanted to inquire why the first two collection agency attempts to collect debt were removed and the current collection agency deemed valid. I would like clarity to the decision of the current dispute results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. 
I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. 
Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. 
This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a claim to Transunion fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.

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 2018-03-28
Company: TD BANK US HOLDING COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX at about XXXX XXXX I talked to a woman at XXXX   about my past due account, she updated my account with my hardship information and offered me an 85 % settlement or a payment arrangement towards the full balance ... these options came after I specifically told her I cant make monthly payments and she did not provide options that would be feasible based on my circumstance. She tried to manipulate me to agree to do an arrangement that I couldnt make good on and threatened that the account was going to be placed at a law from on XX/XX/XXXX. We ended the phone call because she refused to offer me an arrangement that would fit my financial hardship.

I talked to a man at XXXX  on XX/XX/XXXX, he said that my account had not been placed at the law firm yet, and he proceeded to offer me a 75 % settlement. I told him I couldnt do that but I offered a lesser amount. He said no he couldnt accept my offer but he had a manager approve a 60 % settlement on the account. I asked to speak to the manager and he put me on hold for over 6 minutes and then hung up on me. I called XXXX  back the same day ( XX/XX/XXXX ) and next got a woman on the phone who apologized for the previous agent hanging up on me. I explained the offers and she told me she can not accept a 60 % settlement and would only accept a 75 % settlement and that is the lowest they would ever go.

XX/XX/XXXX I called XXXX  again to try and get a reasonable solution, I talked to a woman on the phone and explained my first three phone calls and my frustration. She proceeded to offer me a payment arrangement which I told her many times I couldnt afford. She then told me that my account was placed at the law firm on XX/XX/XXXX. I told her this wasnt the case and Ive been told differing stories from each agent I spoke with at XXXX. I asked to speak with a manager and she said she couldnt transfer me but she would put my escalated phone call in the queue and would have a manager call me back. We ended the call.

I missed a phone call from XXXX later the same night. I called them back and it was another agent saying it was a manager trying to call me back but she cant transfer me to them. This agent then said that there are no settlement options at all and that the account was sent to the law firm today XX/XX/XXXX. She proceeded to ask me about my hardship and said that my hardship hadnt been previously document on the account at any point. I told her she was the 5th agent Im talking to and Im not willing to explain my hardship yet again when they dont even notate the conversation on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: FORD MOTOR CREDIT CO.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt of a repossession from ford motor credit was paid and the attorney that handled the case promised the debt would be deleted from my credit report once paid in full. I would like it deleted from XXXX, XXXX, and XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown accounts reporting to my credit report, over 60 days I have yet to receive a response on investigation. At this stage in the process my anxiety has grown ; feeling that my disputes have been ignored. Section 611 ( a ) of CFRA plainly states that a failure to investigate these items within 30 days gives reason to immediately remove items from my credit report, it has been over 60 days and the disputed items should be removed promptly. I demand these accounts be deleted immediately or I will be filing for litigation due to the stress/anxiety caused. Also, my personal information was subject to being compromised in the XXXX  data breach and possibly placed in the hands of individuals with ill intentions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: EQUIFAX, INC.
State: NC
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 noticed inquiries on my credit report that I did not authorized and have notified XXXX, Equifax and XXXX that the inquiries were not initiated by me. The inquiries are still showing on my report at this time. The misuse and/or misreporting of my credit report goes against FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: JPMORGAN CHASE & CO.
State: CA
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:
50 States business permits scams and IDs scams frauding my documents Frauding scams using XXXX XXXX XXXX of XXXX XXXX Indiana of my documents of birth of XX/XX/XXXX Frauding scams using my documents of XXXX ( XXXX ) XXXX XXXX XXXX XXXX Fraud scams frauding my brother documents of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) of XXXX XXXX of XXXX  XXXX Indiana XXXX county Indiana of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Good Afternoon, We started our refinance back at the end of XXXX and as part of the refinance we had to resubordinate our second loan with SPS. We and my lender started the process and here we are at XX/XX/XXXX and the subordination process still has not been completed.. Title company is calling if not every day every other day to only be given excuses and to be told it will be escalated. 

They had ALL the paperwork they needed on XX/XX/2020 and we were told it needed to go to a third party company to get the assignment of mortgage completed. Why this was not done when we took out our mortgage last year still baffles me. We were told while this process was going on that they could NOT talk to anyone and we were told 45 days for the process to be completed from XX/XX/XXXX. We are at XX/XX/XXXX and the process is still ongoing and they continue to tell us they have not estimated close time. 

In the mean time our appraisal has expired and our lock has expired. We have talked to Supervisor after Supervisor to only be lied too and given excuses ... 

Some of the names are : XXXX XXXX XXXX XXXX There have been NUMEROUS others that we didnt write the names down because we did not realize it was going to get to this point. 

There should be absolute transparency when dealing with these companies and they have delivered none and keep passing the buck as to who is responsible for the delays. They have a legal obligation to complete subordinations in a timely manner and they have failed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a flier in the mail from Chase offering a {$300.00} bonus for opening a checking account. I took them up on the offer and signed up, using my coupon code. The checking account was opened on XX/XX/XXXX ( well before the XX/XX/XXXX offer deadline ). I met all the requirements : open an account, and have direct deposit attached to your account within 90 days of opening it. My direct deposit hit as of XX/XX/XXXX. I never received the {$300.00} bonus. After 90 days, I called Chase on XX/XX/XXXX to check the status. They stated that there was nothing they could do, there was no one I could talk to, and that I should have called them if I didn't see the deposit hit after 21 days. However, this is not listed in the fine print. In fact, the fine print states that the deposit will hit automatically. This is a bait and switch, and false advertising. Chase should be required to honor this commitment and also be prohibited from luring new customers in with cash bonuses when they actively do not honor them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our Wells Fargo HELOC Renewal Application was declined due to our debt to income ratio. Wells Fargo requires a maximum rate of 45 % and our ratio is 49 % .There are 3 issues : First, Wells Fargo did not include the dollars we have saved in our traditional IRA accounts to more accurately compute our income they said because we have never withdrawn any dollars from those accounts. We are both age XXXX and do not plan to withdraw any dollars from our IRA accounts until required to do so based on IRS Minimum Required Distribution Regulations Second, we were also told our Well Fargo Advisors XXXX Account IRA dollars that we have saved although a sizable amount is below the {$1.00} million that Wells Fargo requires to be in a retirement saving account to be included in the income computation. Finally, Wells Fargo informed us that due to federal regulations, they could not provide a lower credit line counter offer for it would not pass the federal Benefit to Borrower Test.When we asked for a copy of the Wells Fargo policies on the above issues, that request was denied claiming confidential, privileged and proprietary information. We feel these policies and practices are unfair and discriminatory especially toward seniors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found on my credit report that I had been filed against from my doctors office. I was never aware of any balance my insurance always took care of everything over my copay. If there was any bill that I needed to pay, why was this not collected at the time of my appointment. Why was I not informed that my insurance wouldnt be covering it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 and XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have now twice requested help in writing from USAA Savings Bank. Once in XX/XX/2020 and again a couple of days ago. I have contacted USAA Savings Bank through XXXX XXXX to resolve this matter. I am unable to go on-line through computer because the program does not allow for this sign-on. 

I mailed my payment a week ahead of the due date. It was not cashed until after I was charged a late fee, which is what I am asking to be removed from the account since I mailed the payment a week ahead of time. 

I'm hearing impaired and have explained that I wanted help in writing, not a telephone call. There has been zero written communication from USAA Savings Bank to me for the XX/XX/2020 request and so far, a telephone call today. The facebook messages all want me to sign up on line through a mobile device. This is active discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, my husband and I mailed letters to the credit bureau, asking them to investigate and correct errors that appear on our credit report. They are required, by law, to respond with the results of our investigations within 30 days. Today is XX/XX/XXXX, and we have yet to receive our response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 received a notification from XXXX XXXX about 2 hard inquiries from the same company within the last two days ( today 's date XX/XX/19 ) on XX/XX/19 and XX/XX/19. I spoke to TransUnion about the inquiry and was told to talk to the Lender that pulled the inquiry, they gave me the number for XXXX XXXX to ask them to provide TransUnion with the removal of inquiry. 

XXXX XXXX  claims that they did not do an inquiry, with the last inquiry being when I opened an account through their XXXX XXXX credit card application. I informed them that they appeared on my report, but they denied having done any inquiries for me and to reach out to TransUnion again. 

I called TransUnion again, and was told that the only way to remove the inquiry was to go to XXXX XXXX, therefore going back in a complete circle. No one is taking responsibility with something that is my sensitive information. On the report the wrong address was provided for the 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