BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-02
Company: Chime Financial Inc
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is about chime bank they suspended my account on XX/XX/2020 which has all my funds my personal paycheck from my second job as well as my sba loan for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted them multiple times sent in every document they have asked for and they give me the run around and won't release my funds they keep saying 24 hours 24 hours it will be taking care of nothing happens and this has affected my XXXX and my life during this pandemic I had to stop my XXXX because of this I can issue needed refunds or pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I filed a previous grievance regarding CC company 's failure to restore credit line for 15 days after receipt of payment. 

Synchrony Bank dba PayPal cash back Master Card now says I have forfeited my cash back because I cancelled my account. 

I am sure there is fine print in their agreement somewhere that says they can do this. I consider their actions constitute consumer fraud. I cancelled the account via their automated phone system which made no mention of forfeiting the rewards earned. The rewards I had earned are {$1100.00} Synchrony Bank now says I am out of luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an agreement reached with American Express from XX/XX/XXXX that I would pay $ XXXX/month from XX/XX/XXXX until XX/XX/XXXX for a settlement plan to pay off the credit card. The account was closed and the settlement was reached in court. Since XXXX of XXXX, I have made every single payment on time and in accordance to the plan. Each month I receive a confirmation email directly from American Express thanking me for my payment. 

However, American Express has, and continues to, report the account delinquent every single month. The account is not delinquent as I have made payments for over 2 years every single month toward the account.

I thought that delinquent account ( for credit reporting purposes ) are those that have not made at least a minimum payment for 30 days or more. I have paid the American Express more than {$12000.00} toward my account over the course of the past two years. 

I have all the documents to prove the settlement, the payments, and confirmation emails from American Express that I have paid them. I have uploaded the attachment of the settlement, along with the most recent example of the payment emails I receive from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This complaint is against Experian, XXXX  and XXXX  Credit Reporting Agencies for violation of the Consumer Credit Protection Act. The Consumer Protection Act requires all three credit agencies to review my credit history to determine if a raise in my credit score is required. A Bankruptcy was listed on my credit report from XX/XX/XXXX to XX/XX/XXXX which lower my credit score. As verified by my credit report for this 10 years I have a maintain a Exceptional Payment History for all of my accounts however credit score remained the same. Experian lowered my score 14 points from XXXX Good to XXXX Fair the rest did nothing. I have received as answer from XXXX  informing me this information was removed from my account, XXXX  haven't responded.

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 2018-04-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I began receiving federal student loans to help pay for college. I initially received my loans through XXXX XXXX. At some point in the last 5 or so years, Navient bought my loans and I began to pay them. I believe this complains is aimed at Navient. I worked as a XXXX XXXX for the County of XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. During that time I was making my student loan payments under the impression that I would qualify for the XXXX  XXXX loan forgiveness after 150 ( or 160, I forget the exact number ) payments while working as a qualifying XXXX XXXX. Sometime last year, I believe in XX/XX/XXXX, I reached the required number of payments and years of service, qualifying for the loan forgiveness. I contacted Navient almost immediately after the final payment necessary and was essentially told that the name of the loan was wrong. I had federal loans, but the excuse I was given was essentially something along the lines of, your loan is named loan1, and in order to qualify, your loan would need to be named loan2 I was told I could have them change the name of the loan and begin the 150 payments all over again from that point and I would qualify for the forgiveness when I reached 150 payments, again. At the time of this news I think I only had a balance of around {$2500.00}, so I just cut my losses. A couple of weeks ago I fully paid off my loans so as to never deal with these people again. I have XXXX balance with these people but I still perceive this as a colossal injustice after being promised something and holding up my end of the deal. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Equifax continue to allow XXXX  XXXX  to report incorrect and inaccurate information to their bureau stating I owe the {$1400.00} for car payments. I sent XXXX  and Equifax both a letter from the company itself as documented proof that XXXX XXXX closed this account in XX/XX/XXXX and that there was a XXXX balance owing and that the lien account was paid in full. This account was a car loan that was cancelled due to a repurchase by the manufacturer XXXX for an acceleration defect on the car, in which the dealership was not able to fix. This car was repurchased back under the California lemon law and I was due to be refunded back everything I paid towards the car : my down payment and the car notes. The amounts of {$1400.00} are not the amount for the two car payments I paid. The Car payments came to the amount of XXXX each for a sum of {$1200.00} ; so that also is an inaccuracy as far as these two bureaus reporting. I have sent in the proof attached to show that this account was closed and paid in full and the break down from XXXX XXXX as to what was credited and what was due to be refunded to me. XXXX XXXX was not supposed to keep the car payments ; I repeat, they were to be refunded to me. Ive been disputing this issue since XX/XX/XXXX and this company continues to report these inaccuracies. I never received the refund of the money I paid toward the car, and XXXX XXXX as well as, the dealership were refusing to accept my calls, therefore, I went through my bank to get my money back after providing the bank the same proof from the company, my bank deemed it enough evidence that there was in deed a refund owed to me by XXXX XXXX and the Dealership. Both XXXX  and Equifax continue to allow XXXX XXXX to report every month and tell me that as long as they are reporting every month, the account will show up on my credit reports. However, both XXXX  and Equifax still are ignoring that the information XXXX XXXX is reporting is incorrect and again not accurate with regards to this account is supposed to be closed and the amount they are reporting for the two payments they say I owe, doesnt equal the amount of the two payments I paid. Please read the attached documents from XXXX XXXX sent to me! XXXX  and Equifax are ignoring the documented letters and ledger I have provided to them which disputes XXXX XXXX information. The attached documents are from XXXX XXXX ; I am no longer responsible for this account because it was a repurchase by XXXX. So they need to contact the manufacturer if they feel they are to be paid {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
{$260.00} plus accrued interest. 
Date : XX/XX/XXXX. 

Actions taken : Contacted the bank ( Bank of America ) multiple times, had assurances that the amount paid would be reflected in our statement. We had paid through the ATM ( as is recorded ) and the machine took the cash, yet we were not credited for the payment. After a month of being told that we would be credited to our account, we were told in a letter that we would not receive any credit for our payment made.

Actions taken by company : nothing ( other than lying and stealing our money ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
United States VA Regional office deposited compensation benefits XXXX to fifth third bank acct. Fifth third bank employee told me verify the amount and refused to acknowledge deposit XXXX XXXX benefits!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I CHECKED MY LAST 10 TRANSACTIONS ON XX/XX/20. ON XX/XX/20 THERE WAS A CHARGE FOR XXXX MADE TO MY ACCOUNT FOR A COMPANY CALLED XXXX XXXX FOR MY XXXX XXXX. I HAVE NEVER CONTACTED OR PURCHASED ANYTHING FROM THIS COMPANY. I HAVE TRIED SINCE XX/XX/20 TO RESOLVE THIS ISSUE WITH BANK OF AMERICA WITH NO RESULTS. I HAVE SPENT ALMOST EVERY DAY ON HOLD WITH THEM TO CORRECT THIS, FOR A TOTAL OF 27 1/2 HRS, AND I STILL HAVE NOT BEEN ABLE TO TALK TO ANYONE IN THEIR CLAIMS DEPT. NOT TO MENTION I HAVE TO GET UP AT XXXX XXXX TO CALL WHEN THEY OPEN. EVERY TIME I HAVE CALLED I SIT ON HOLD FOR BETWEEN 1 TO 3 HRS AND NEVER GET ANYONE ON THE PHONE. I HAVE ALSO TRIED THEIR WEB SITE AND IT SAYS THEY CANT FIND MY ACCOUNT. WELL, THATS FUNNY BECAUSE I HAVE RUN ALMOST XXXX THRU THIS ACCOUNT. I WANT THIS CLAIM PAID. I NEVER BOUGHT ANYTHING FROM THIS COMPANY. I CANCLED THE ORIGINAL CARD ON XX/XX/20 WHEN I FOUND OUT ABOUT THE FRAUDULANT CHARGE AND WAS ISSUED A NEW ONE.

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 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX {$480.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: JPMORGAN CHASE & CO.
State: NY
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:
Again, i write to you in frustration. Chase Bank will not send cash back via ACH, and continues to forget to send the email to allow me to get the ACH. 
This time is for almost {$4300.00}. I do not want a check in the mail, and i have zero plans to use an ATM. 
Last time i went to a Chase bank branch ( XXXX, NY XXXX XXXX corners ), the person in front of the line for the ATM had no mask.

This is the 2nd time chase gave me this issue, and the third time ive had to contact you over this banks malpractice. 
The same XXXX  who run Chase bank and Chase card services have XXXX ability to send cash to the same client between these departments. 
This is a slowdown of the speed of money, and is a accounts payable scam. Please Punish these degenerates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted Portfolio Recovery on XX/XX/2020 on a recorded line we came to agreement that if I payed XXXX $ this debt would be deleted. The agent spoke with manager to confirm this. They also sent a email and assured a letter of this agreement would be mailed to me. The agent on the phone assured me this debt would be deleted No later than than 30 days from the date on the payment agreement XX/XX/2020. Portfolio Recovery agreed to delete this debt off of my credit report. They left a balance on my credit report of XXXX. This was not the agreement. I also have documentation from the email that they sent of the agreement. I want this deleted as agreed on a recorded line to and per email once payment was made this would be deleted. This company is so shady and ridiculous. They should be fined!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2020, I spoke to loan officer XXXX XXXX at XXXX XXXX XXXX regarding the Maryland Smart Buy program. The phone conversation was informal, and I was brainstorming my options of purchasing a home and see if I qualify for the Maryland program. The loan officer took that informal conversation and pulled a hard credit inquiry without my authorization. Nowhere in the phone conversation was I notified that my credit will be pulled and a hard inquiry will be performed. Now that inquiry is being reflected on my credit report and affecting my credit score.

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 2020-11-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
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: Was not notified of investigation status or results

Complaint:
Hello, I submitted a dispute in XXXX and I still have not heard back from the credit Bureau. The same thing has happened in XXXX, XXXX, and XXXX. Please take a note on why my disputes are not being address, I feel there is a bias towards my file. At the very least I would get a letter with the out come of the investigation but this year has been a total disregard for certain people.

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 2018-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We deposit annually a clients check in the amount of {$63000.00} into Bank of America. We always get bank acknowledgement from either teller or branch manager to not hold this check. XX/XX/XXXX we deposited it again and got verbal and written acknowledgment that BOA wont hold it. This money is designated to XXXX XXXX as premium fund account. In XX/XX/XXXX BOA mailed a letter to notify it was held and not paid so it cause our account to be deficient and fees ( {$70.00} ) were charged.

I talked to branch manager without any resolution. We have been banking with that branch of BOA for over 32 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 monetary relief
Consumer complaint received 2020-11-02
Company: CITIBANK, N.A.
State: CO
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:
They have illegally marked me as past due, and haven't corrected it.

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 2020-11-02
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020 I received a US Bank Reliacard Debit card that I never applied for. The card was issued to me in conjunction with an unemployment compensation claim which is fraudulent and that I never applied for.

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 2020-05-22
Company: Healthcare Collections-I, LLC
State: AZ
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:
medical payment data # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, MEDICAL PAYMENT DATA # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX ( SHOULD NEVER BEEN ON MY CREDIT REPORT-DONT HAVE AN ACCOUNT WITH THEM ), XXXX XXXX # XXXX, XXXX ENTER # XXXX. 

***ALL THESE ACCOUNTS HAVE BEEN PAID OFF, BUT YET STILL SHOWING UP ON MY CREDIT REPORT!

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 2018-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
When i checked my experian account online, they dispute my XXXX credit card report, and they removed my fico score, i paid {$4.00} and {$19.00} for my credit increase but it goes down, they are telling me that if i will not update and pay them they will unlock my account and anybody can check it.. they are going scam not outside people but the inside who handle out credit. Its not fair.

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 2020-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
EXPERIAN CREDIT SERVICES, continuo to report a fraudulent account in my report that is the result of Identity theft i have provided all documentation to experian and XXXX CREDIT CARD # XXXX of the illegality of this account, identity theft report from FEDERAL TRADE COMISSION, XXXX COUNTY SHERRIFF REPORT, IRS IDENTITY THEFT REPORT and continuo reporting this Ilegal account in my report I have requested the help the state attorney, FTC, and lastly your. 
The solution is to remover this fraudulent account from my report

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