BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
Company: Netspend Corporation
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am not able to close my account with the company listed below. 

The ACE Flare Account is established by XXXX, Member FDIC. Netspend, a XXXX XXXX XXXX, is a service provider to XXXX. Netspend, a XXXX XXXX XXXX, is an authorized Independent Sales Organization of XXXX. Certain products and services may be licensed under U.S. Patent XXXX XXXX and XXXX. 

I called and have gave the the following. 

XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX DOB XXXX XXXX XXXX business email : XXXX personal email : XXXX I want to closed my account ASAP, Immediately. I have not used nor plan to use there service any more or in the future. 

Thanks in advance.

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 2021-09-06
Company: Northstar Location Services, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Due to the pandemic, I lost my part time job. I defaulted on my payments so with other credit cards bills, agreed to consolidate all my credit cards. XXXX XXXX XXXX XXXX of XXXX XXXX, NV. took all my credit cards details and numbers and entered into a agreement with me. On XX/XX/2021, a confirmation letter from XXXX XXXX XXXX XXXX wrote confirming that they have come to an agreement with the credit cards company. They set up a monthly payment through my checking account for the XXXX of each month for an amount of {$340.00} to be disburse to my creditors. The money is being taken without fail since XXXX but Northstar Location Services LLC on behalf of XXXX XXXX has continue to send threatening letters, their last letter dated XX/XX/2021 threatening to get a judgement and indirectly insinuating what they can go after to collect the debt. The credits cards companies are : 1. XXXX XXXX  - {$8100.00} 2. XXXX XXXX - {$2300.00} 3. XXXX - {$2900.00} 4. XXXX  XXXX - {$3800.00} 5. XXXX XXXX - {$6100.00} 6. XXXX - {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Diversified Consultants, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called them and tried to resolve the problem but the representative tried to make me attempt to a debt that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged for college tuition from XXXX XXXX XXXX XXXX, collection agency Hudson Valley. They are claiming on my credit report that I owe a total of {$3600.00} from two accounts ( {$2700.00} and {$860.00} ). I asked the collection agency to send me paperwork regarding these charges, which I did on XX/XX/2021. The bills from XXXX XXXX XXXX XXXX I received from Hudson Valley Collections shows one amount ( {$750.00} ) paid for by financial aid with a differnce of {$250.00}, and the oher amount of {$2400.00}, not matching any of the amounts reported on my credit report. I have sent multiple letters, have submitted disputs online ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ), and talked to multiple specialists at XXXX credit bureau disputing these items and the collection agency keeps saying the items are accurate. I sent a letter to the collections agency over 30 days ( XX/XX/2021 ) ago disputing the charges, pointing out that the bills received irreputably proof the items should be remove with no response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On Wednesday, XXXX XXXX 2018 I decided to look at the APR on a longtime Discover card that I 've had. So I opened the statement online and then spent the next 20 minutes or so hunting for the APR to no avail. I 'm not computer illiterate by any means and was getting frustrated as the APR on the other couple of cards I have is plainly shown on the first page of the statement. So I called Discover Customer Service and was told by the CSR, that she would gladly transfer me to someone in the tech department so they could '' guide me through the screens '' to find this information. She, however, was able to tell me the APR within the first minute of the call. When I told her that was outrageous that as a consumer, I 'm not able to find this information readily and why? She then said she would pass my concern to management. After I got off the phone I sent Discover an email asking why APR 's are not readily accessible to me on MY statement and have yet to get any sort of response. But they sent me a survey immediately after the call asking for my opinion to which I responded negatively in every category. It never has been like this with Discover in all the years I 've had a card with them. I have literally never had an issue with them ever until now. What gives? Finding my APR should not be a secret ... it is n't with other major credit card companies. Why is Discover being so secretive? 
I hope you can help me as I 'm ready to close the card and be done with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 made my mortgage payment through XXXX XXXX XXXX that was due on XX/XX/XXXX for {$1300.00} on XX/XX/XXXX. I made the payment online directly from my XXXX XXXX XXXX account to my XXXX XXXX Mortgage. I have a confirmation from the XXXX XXXX XXXX online banking history that shows the payment date as XX/XX/XXXX.  However, they did n't post the payment until XX/XX/XXXX. This resulted in them reporting me in excess of 30 days late on my credit report. This is a direct violation of Reg Z that states I should be credited for the payment the day they receive the payment. In this case it was XX/XX/XXXX which is within the 30 day payment window for credit reporting purposes. The bank is permitted to post the payment when they would like but are n't permitted to impose any fines, late charges, or negative credit reporting due to the delay in posting. In this case they reported me over 30 days late because there was a delay in posting. I feel this is a violation of Reg Z and as a result I was reporting as being in excess of 30 days late. I am requesting my credit report be updated.

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 2021-12-07
Company: Experian Information Solutions Inc.
State: NY
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:
THIS COMPANY IS REPORTING THE WRONG INFORMATION ON MY REPORT AFTER SO MANY ATTEMPT THEY ARE STILL DOING IT AND NOTHING IS BEING DONE ABOUT IT. 
15 USC 1681 ( a ) ( XXXX ) I have the right to privacy. 
So again according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I have not given you the right to share my information with XXXX party. 
According to 15 USC 1681 ( b ) ( XXXX ) nothing can be reported furnished on a consumer report without my written consent. 
THESE ARE A FEW ONES THEY ARE IN VIOLATIONS OF

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 2021-12-07
Company: OPTUM BANK, INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: GREAT LAKES
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: PA
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 sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.

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 2021-09-06
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  account # XXXX began foreclosure procedures about 3 years ago. I and XXXX XXXX XXXX reached the approval of a short sale. The real estate agent for the transaction was XXXX XXXX with XXXX XXXX The property is XXXX XXXX XXXX, XXXX Il. XXXX. MLS # is XXXX. The mortgage was originated with Wells Fargo. The property never closed for the sale. No one from XXXX XXXX will respond by phone or in writing. I want XXXX XXXX to take a deed-in-lieu of foreclosure. Or send me a notice that foreclosure was ceased and I have full authorization to list the house and sell it. I also want a payoff with a per dime. 

Mostly I am certain that XXXX XXXX have violated federal collection laws by insisting my only option was agreeing to foreclosure and not fighting them. Furthermore, they have been and continues to be deceptive. Please respond to me at XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX Sent me a letter dated XX/XX/XXXX The letter said that my credit card account ; which I had for 8 years prior to this letter had  been canceled because of a low credit score. This made the credit card impossible to pay on line or by phone and I personally think XXXX XXXX did this to exploit me trying to get my credit problems taken care of at time. They also gave my address to my business partner, his Lowes card had the address XXXX XXXX XXXX XXXX ; XXXX. Even though when I called them in XX/XX/XXXX XXXX XXXX has not addressed any complaints we had and basically the last bill was three times the balance before XXXX XXXX made it impossible to pay them. WHAT A SCAM IM GOING TO FILE A COMPLAINT ON THE FEDERAL LEVEL TOO.

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 2018-01-19
Company: Experian Information Solutions Inc.
State: LA
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:
Re : removal of national credit systems and XXXX XXXX Hello experian, I received an letter from your company stating I had to provide more information in order to help delete these accounts. Well I have additional proof as I have provided previously for XXXX and XXXX XXXX XXXX. I recently disputed these accounts via cfpb and included the response for XXXX in which they cant find an account with my name and date of birth and you still have this account as open when it showed be closed and also national credit has responded they closed the account and in which You sent me a letter saying you wont continue investigations until you have proof. I have included proof. I am requesting that you remove this account from my credit report, and send me an updated copy showing that this account had indeed been removed.. 

Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19
Company: American Acceptance Co., LLC
State: GA
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 have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and XXXX is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to Experian Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to Experian and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I, XXXX XXXX from XXXX XXXX California, sold my car online for {$3500.00}. A man named XXXX XXXX texted me via his phone number XXXX and agreed to buy it with a cashiers check. 

- On XX/XX/2021 I received a Cashier Check of {$5800.00} and I deposit the Cashier Check to my Chase account on the same day. 
Cashier 's Check info : + From XXXXXXXX XXXX  XXXX, Branch XXXX + Payable through XXXX XXXX. XXXX, XXXX + Check # XXXX - Date : XX/XX/2021 - On XX/XX/2021 XXXX politely asked me to send {$2200.00} extra money ( from his cashier check ) to his mover account to pay for transferring the car to his daughter in WA state. 
The receiver info with XXXX XXXX Bank : + Name : XXXX XXXX + Routing # XXXX + Acct # XXXX - I did agree to send {$2200.00} to the mover 's XXXX XXXX account from a local XXXX XXXX XXXX ( in XXXX XXXX, XXXX XXXX ). It was because I believed the amount of {$5800.00} from the Cashier Check I received was cleared by Chase Bank and was present in my Chase account at that time. 

- On XX/XX/2021 XXXX called me again and told me his wife was not happy with the car and ask for a refund. At that time I was very suspicious about XXXX XXXX behavior. It could be a scam. 

- On XX/XX/2021 I went to Chase Bank to ask them to verify if the cashier check I received was really authentic. A Chase Bank staff name XXXX XXXX then gave me a phone number to call for verification. I called the provided phone number and was told immediately they did not recognize the cashier check number I received from XXXX. At that time I knew for sure I was a victim of a scam. 

- On XX/XX/2021 I went to both XXXX XXXX and Chase banks and asked for help on the issue. XXXX XXXXXXXX XXXX staff and XXXX XXXX from Chase bank told me nothing they could do from bank side to help me with the issue at that time and they told me to call to report a fraud myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.

Company response to consumer: Closed with explanation