BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Conn's, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I am complaingin about goint to Conn 's furniture to buy a bed and bed frame. I requested a XXXX frame and they charged me for a XXXX. When the we asked to get a copy of the contract they refused. We asked 3 times. They said we had to go somewhere to get the copy of the contract. We spoke with XXXX the sales person and advised we did not want the the {$1000.00}. The driver put the bed together and I asked to see the copy of the contact. He said it was on his phone. I could not read the information due to the font was not big enough.. When asked the driver to inlarge the front he did not understand me due to he did not speak XXXX. I went ahead and signed the contact. We did not have any bed at all to sleep on. We are elderly and can not sleep on the floor and the Love Seat. 
We contacted the company and they declined to change the frames from the vibrate that is {$1000.00}. and give us the smaller frame for {$770.00} plus a tv of XXXX XXXX inch. and have XXXX extra on our credit. 
Conn '' s XXXX XXXX XXXX, XXXX, TX. XXXX XXXX # XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 customer service

Complaint:
CapitalOne put a restriction on my account claiming they can't verify my identy which they requested me to send in my government issued ID which I did XXXX XX/XX/2020 XXXX. Not only did they not update my information on my account, they refused to remove the restriction, hold my promised reward and closed my account. I sent to them my ID for verification the second time ( XX/XX/2020 ) and never got any notification from them working on my case. I demand that they re-activate my account and gave me my deserving reward of more than {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: OPTUM BANK, INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been receiving emails from Optum that state '' Your XXXX Advantage Medical Savings Account ( MSA ) has been overdrawn since XX/XX/XXXX. 
It's important we inform you that, according to our records, your MSA has been overdrawn in the amount listed above since XX/XX/XXXX. Please bring your MSA current by XX/XX/XXXX to avoid account closure. '' I don't have an account with Optum bank since I switched to a different Insurance this year. I don't know how I could have over drawn an account that doesn't exist. I emptied that account in XXXX. I believe this is bank fraud preying on seniors or it may be phishing scheme. I don't believe that Optum is so XX/XX/XXXX as to allow someone to overdraw on an account that is closed. This is a small amount of money that could be some internal mistake of the bank accounting fee that I should not be responsible for. thanks for your help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2021, I applied for the XXXX Chase card, I received a declination stating it was due to too many inquires, which multiple were in fact fraudulent inquires. I expressed my concern with XXXX XXXX to submitting my application. On XX/XX/2021 around XXXX I reached out to the reconsideration line and spoke with XXXX, who did not even probe my reasoning for requesting credit, neither accessing the fact that I have multiple accounts with you all and one being an auto loan that has never been late and in fact is paid consistently XXXX to XXXX  days prior to the schedule due date. He stated he would have to decline my application due to the XXXX XXXX account balance that has been closed with a {$350.00} on {$500.00} limit, although I did advise him that the balance was incorrect due to unauthorized transactions and currently being investigated and he couldn't forgive the inquiries because they weren't marked fraudulent, although he had to call me to verify my application for fraud. HE then advised me to contact XXXX regarding such. I deem this unfair due to the reason that I have exhibited exemplary behavior as a customer with regards to the products you all have issued me and the accounts on my credit report displays the same behavior in payment. Even more so when it comes to the XXXX credit card with the {$350.00} balance that has never been late and I've paid directly from my chase checking account and often times the full balance was paid and my bank statements will show that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).

Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.

XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Source Receivables Management LLC
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:
1. XXXX XXXX XXXX, Account # XXXX, Amt $ XXXX-XXXX  out in Texas and I never was in Texas and I live in Florida. They also are harassing me 2. XXXX XXXX-Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have been trying to solve this issue for a long time with wells fargo but got no help. I have an checking and savings account with them. For more than 2 years they have been unauthorized charging me for something that I have no idea about. I have never checked my account before and I have been paying XXXX dollars every month in a 2 transaction for something called XXXX XXXX. I have talked to the branch about it when I found out after almost 2 years. They couldn't help me out and finally after a many try they were able to stopped the charges and gave me a 2 months of money back. I have been trying to get my whole refund as this was out of my authorization. I have lost so much money because of this unauthorized charge. This is not fare for a person with low income in this country. I have been in a hardship and got charged for minimum balance or out f balance that I wasn't accounted for. I want wells fargo to recover all my money that I lost so that I can payback my loaner. This is getting out of my hands to just survive with my family. This is just unjustice of a known business and a known big company. I would have to get my money and close this account and move on to somewhere else. But I wanted try one last time to get an solution. I have been trying so hard to not mes up my credit score but getting scammed like this is just unfortunate for me. I want all my money back period. I would have to seek a lawyers help if I have no other options and I will if it's the last resort for me to get my money back.

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 2018-05-21
Company: Comerica
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I called in to complain about two unauthorized charges on my card to the representative on XX/XX/XXXX in which they mailed documents to me to complete. I submitted bank statements from their website with my information of the two charges that I did not authorized. I have also receive a letter that is dated on XX/XX/XXXX stating that " The results of our investigation could not find where an error has occurred. Therefore, no adjustment can be made to your Card account for the amount in question. You may request a copy of the documents which were used to decide the dispute investigation. As I receive this letter I called that same day and was told to write out a complaint in which I did XX/XX/XXXX and faxed it back to them. For they indicated that the information was not sent to them in a timely manner. Now as I indicated that I did comply with XXXX XXXX that I have no control over the US postal services how and when mailed is delivered from their establishment. But, Nevertheless the documents were sent to them in a timely manner. The company that took money from my account on XX/XX/XXXX in the amount of {$260.00} and on XX/XX/XXXX in the amount of XXXX. For this company has taken funds from my account beginning XX/XX/XXXX-XX/XX/XXXX and have no intentions of refunding my monies to me even though I contacted XXXX XXXX   about this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries I did not authorized on my report. Please delete. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.

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 2020-06-24
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I noticed an inquiry on my XXXX  Credit Report conducted by XXXX XXXX XXXX on XX/XX/2019. I have tried to dispute this item with XXXX which they referred me to XXXX XXXX XXXX. 
I have written to XXXX XXXX XXXX requesting a copy of any document they may have allowed them for this inquiry, however they have not responded to my request and after I contacted the phone number they provided to XXXX I was forwarded to Credit Co which they told me they do not have to provide any proof 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
Consumer complaint received 2018-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Good afternoon, I am making a dispute against XXXX XXXX XXXX , Bank of America And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

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 2018-01-26
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
Good afternoon, I am making a dispute against XXXX XXXX XXXX  XXXX XXXX XXXX XXXX And FIFTH THIRD bank for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.

Company response to consumer: Closed with explanation