BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it USPS to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative

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 2018-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.

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 2020-10-14
Company: FIRST REPUBLIC BANK
State: NJ
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 am trying to refinance my student loans. My current lender is First Republic. In order to refinance with another company I need a loan document stating the it is a student loan or an education loan, or a signed letter from First Republic stating this. A simple one liner would suffice. I have emailed and called several times. My first request was on XX/XX/2020, then another in XX/XX/2020. I have emailed and called them several times since and no one has responded to help me. I am now unable to refinance my loans with any other company.

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 2021-08-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XXXX XXXX XXXX has been charging my Bank of America account, I tried to cancel in XXXX but apparently the person I spoke with did not do their job. I have also been charged at different times of the month instead of on a consistent date each month which made this harder to monitor their scam. The company also doesnt allow cancellation by email so theres no proof that I called a year ago. This should be illegal. Today they did give me a confirmation number but I dont trust them. To my knowledge I never received a refund of their fraudulent ways back in XXXX. I requested a refund for just the past year and was told they dont refund. They claim its a service for the past month on this months withdrawal. Im not expecting you to do much with this but I wanted an extra layer of protection in event they didnt cancel today. They have made way too much money off me as even their price adds up over 11 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: National Credit Services, Inc.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On XX/XX/XXXX, I received a letter from NCS ( National Credit Services-a contracted collection agency ),  stating that my wages would be garnished if I didn't make an agreement with them within 30 days. I tried calling several times. They are closed after XXXX. I finally got ahold of them at XXXX one day and set up an agreement to pay {$14.00} with the understanding that I would get back with them about additional medical bills that were weighing heavy on me from an injury I received in XXXX which resulted in XXXX and some time off work. After finding that I owed 4 or 5 providers and that it would become too difficult to create a 'statement ', I got back with them letting them know that I would take the larger amount regardless of the additional medical bills. 
I thought that when I had made and agreement with them on XX/XX/XXXX, that all was good to go, we would start the rehabilitiation program and I would start to feel relief about this debt hanging over my head. They took a payment from my account on XX/XX/XXXX and another out of my account on XX/XX/XXXX. I thought everything was good. And then on XX/XX/XXXX, I was informed by our Human Resources person that my wages would be garnished {$200.00}. When I phoned them today, they gave many excuses for this action : 1. It was over 30 days from XX/XX/XXXX 2. My pay stubs were not dated properly 3. They said they tried to phone me, but I do not answer my phone on work hours and they never left a message. 
I was totally under the impression that all was good and that my rehabilitation agreement would ensure that I would not have my wages garnished. I neither heard nor understand that when I spoke with XXXX on XX/XX/XXXX, that my wages would be garnished. 
All or most of the communication I had with them was pushy and 'urgent '. It was very stressful and difficult. 
Now, I have to make the rehabilitation agreement AND they are taking the garnishment. This is unfair, dishonest and unethical.

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 2018-09-12
Company: GreenSky, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I purchased a home in XX/XX/2017 and the inspection indicated A/C should be maintained. I called XXXX  XXXX XXXX and as soon as he opened unit, he broke part and sold me {$1500.00} part to keep running. In the meantime - and before he left, he had a salesman here who mislead me in unit I was purchasing and did not offer financing options. He placed financing with XXXX and they are a nightmare.this is an I was not advised this is an installment loan, I thought I was financing an air conditioner. Since that deception, I lost my job and was a natural disaster victim. The promotional period ran out and XXXX REFUSES to allow a hardship program or reduce interest rate.XXXX XXXX refused to honor their warranty, forcing me to pay for maintainance and XXXX gives no consideration to their vendors action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BANK OF THE WEST
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter dated XX/XX/2018 offering a settlement on a debt for alleged over draft fees for a closed bank account. No notice of right to dispute on front or back of the letter. In addition has falsely reported the debt to XXXX as a delinquent credit account as well as that I have disputed the debt. The statement specifically states " the consumer disputes after resolution. '' This is direct violation of the FCRA as this is NOT a credit transaction and should not be on XXXX or any other bureau. I also have NEVER issued and dispute to the bureaus or The XXXX XXXX XXXX since receiving this letter.

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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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 purchased a push-mower from XXXX 's ( XXXX XX/XX/XXXX, {$210.00} ). 

XXXX STRAIGHT OUT OF THE BOX -- The mower pull-cord would NOT extend. XXXX XXXX 's agreed to pick up the mower, XXXX XX/XX/XXXX, yet did NOT do so. 

I filed a dispute with Capital One ( Case Number XXXX ), submitted documentation ( twice ), have spoken with ( far too many ) CSRs, and burned up $ XXXX of XXXX not a smart ) phone airtime. 

XXXX XX/XX/XXXX, " XXXX '' acknowledged receipt of my " compelling evidence '', stated that " your documentations are valid ''. " XXXX '' ( Supervisor, Fraud and  Disputes ) assured me " we're against the merchant, [ you have ] the strongest case possible, [ Capital One ] can validate your claim ... we just need your patience. '' XXXX XX/XX/XXXX, " XXXX '' informed me that the dispute was closed XXXX XXXX XX/XX/XXXX ) and stated " [ your ] evidence is lacking ''. " XXXX '' ( Dispute Manager ) instructed me to " get a second opinion. '' I hung up on her.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Social Finance, 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 disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX Sofi XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: National Credit Systems,Inc.
State: NC
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:
On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: JPMORGAN CHASE & CO.
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:
There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

Jpmcb card XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults

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 2021-07-08
Company: Santander Consumer USA Holdings 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: Account information incorrect

Complaint:
SANTANDER IS GOING THROUGH A LAWSUIT IN WHICH I WAS ONE OF MANY VICTIMS THAT INTIATED THIS LAWSUIT. PLEASE SEE THE ATTACHED DOCUMENT. I NO LONGER HAVE THE VEHICLE AND SANTANDER HAS SOLD THE ASSET. THE BALANCE AND/OR ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORTING ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
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 is missing that should be on the report

Complaint:
The company, Experian, refuses to verify to banks that I exist. Therefore I am unable to access my excellent credit history which should show records from 1988.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a balance of {$430.00} on my XXXX XXXX XXXX Credit Card which was paid in full on XX/XX/XXXX. Figuring this was paid in full and I intended no additional uese of the card I paid no further attention to the account. on XX/XX/XXXX I realized I had a balance of {$110.00} due to " late fees ''. This company states they received my payment on XX/XX/XXXX and charged me a late fee as my bill was due on XX/XX/XXXX. I notified the company I had absolutely no intention of paying these late fees as I made my payment to close the account and was unsuspecting of these additional charges. They agreed to waive one fee only but not the others. I told them that regardless, I am not paying any of the fees as I paid my account in full prior to the due date. This is hitting my credit report, I want it removed as negative from my report, the account closed and absolutely no responsibility for these ridiculous charges! They now have me at {$200.00} due! This is nearly half as much as paying my actual account in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Navient Solutions, LLC.
State: OH
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:
Navient Student loans : I have been unable to figure out why, when I make an overpayment, my due date is not advanced when I direct it to be. I have gotten several different answers, including from customer service management, none of which make sense to me. An example : In XX/XX/2019, my amount due for that month was {$0.00} on XX/XX/XXXX, because I had made an overpayment already to advance this to XX/XX/XXXX. In XXXX, I made a full payment anyway, distributed as per federal requirements, and had instructed them to advance the due date. Despite this, my due date was not advanced, and remained XX/XX/XXXX. What Navient is saying is that, despite having a {$0.00} balance in a given month, I would have to pay two full monthly payments anyway, in order to advance the due date by one month. This makes no sense, as both payments would already be overpayments.This has happened to me repeatedly over the past two years. I have contacted them numerous times ( for which I was given different explanations and told it was fixed ), and it took a year ( and me directly emailing their CEO ) in order to get the above explanation ; which I still don't think makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I been sending letters to this Company that is reporting errors in my credit profile, and they are refusing to investigate, i have not get any letters from this company to let me know if they are investigation or not.

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 2020-06-30
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a change in terms email from Paypal. There was a link with the changes which I went to. I did not agree to the changes, which appeared to make it easier for Sellers to avoid chargebacks and returns through Paypal. I responded to email, which was returned as NO REPLY. I then went to the Paypal website to close account, which was not possible. Contact pages do not work. So, I called their number and could not speak with a human. A computer answered and the greeting options had no provision for closing an account. At the end of the long loop of options, Paypal said they could not proceed and suggested I return to their website to get the information I needed, which is impossible. It is clear this company does not want to communicate with their customers and will not close an account even when customers choose to do so after they change terms of the agreement for using their services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an issue with my Mortgage company XXXX XXXX bank which is now XXXX reporting a late payment in XX/XX/2017 which was inaccurate, I received a letter from the mortgage company saying that they sent in to all three bureaus to fix the derogatory remarks. Yet I see Transunion and XXXX  is still reporting this under the XXXX. This is inaccurate.

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 2020-10-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted LVNV Funding aka Resurgent on XX/XX/2020 to request verification of Debt. On XX/XX/XXXX I contacted them again to notify them that its been 45 days and I still have not received anything. They placed me on hold and told me that my account was now with XXXX XXXX. I contacted XXXX XXXX and they had no idea who I was. Then I called XXXX XXXX on XX/XX/XXXX they advised that they just received my account the day before and it would be forwarded to a collection agency in the next 3-5 days. I gave Resurgent more then 30 days to provide verification of debt and once I  pointed out that they did not follow the guidelines they forwarded my account to another company to try to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Ad Astra Recovery Services Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
We contacted the company AD Astra as soon as this showed on my credit report, even sending copies of the plane ticket that showed that the time and date the loan was allpied for and approved, I was on a flight to Washington state. They still refuse to remove this from my credit, even after being given proof that this was fraud.

Company response to consumer: Closed with explanation