BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father passed away some time ago and I am trying to settle all of my fathers affairs with accounts and property. His other accounts and property have been handled with no issues at all except for the account at Bank of America estate department. I opened a case with the estate department in XX/XX/XXXX and that case number is XXXX. I was given the instructions to submit a death certificate, letters of instruction for all parties and a court order. All documents Mentioned above has been sent at least 3 to 4 times to XXXX and I am told different things about the documents saying that some of them were received, some were not or some of the representatives saying it takes 24 to 48 to be seen and added but it has been times I sent documents and they were sent immediately by the representative. On my second to last of the multiple calls waiting for an average of an hour, I was informed my court order was rejected by the estate department because some things were redacted and I would be receiving a letter in regards to this. Upon waiting for this letter to arrive in which has been over a month, I verified my address they had on file for me and it was an address that I hadnt given them and has not been used in over ten years. As of this writing, I have yet to receive the rejection letter. On XX/XX/XXXX, my lawyer was able to obtain an clear copy of the court order and it was sent immediately at XXXX and three additional times at approximately XXXX. After being on hold yet again for an hour and a half to see if the documents had been received, I was told that it takes 24 to 48 hours to see the documents again after previous representatives verified it immediately. I became upset and I had my case escalated immediately and I will have a call from the escalation team within 24 to 48 hours. I reluctantly gave in and they gave me a complaint number of XXXX. 48 business hours have passed as of XXXX today XX/XX/XXXX and I have still not heard from anyone via phone call, email, mail. Please help me as this is my fathers final objective and his estate can be successfully closed and this can be put to rest. Thank you

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 2019-09-06
Company: Experian Information Solutions Inc.
State: UT
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 took out a loan with XXXX in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with XXXX was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get 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 2018-02-22
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My prior student loan provider was XXXX. I had an amazing loan rate. Unfortunately, my student loan was sold to Navient. Immediately, I provided information for automatic payments from my bank account ( XXXX XXXX XXXX XXXX, XXXX   ). When I was with XXXX  ( since 2003 ), I NEVER missed a payment and had automatic payments set up. Since the switch, I have talked with Navient representatives several times. They have promised their error was fixed. I have gone online and logged in to be sure my account was set up for automatic payments from XXXXXXXX XXXX. Again, each month, I receive a notice that I haven't paid and that my payment is overdue. Again, I call and confirm that everything is correct and in place. In my honest opinion, I feel like Navient is attempting for my loan to become overdue so that I have a much higher interest rate applied or I acquire fees. I have contacted Navient ( which is very hard to get ahold of someone as well ), and I feel like it is to no avail. I need Navient to set up the automatic payments as they have confirmed is already done correctly. This is starting to feel like a scam. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.

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 2020-11-05
Company: CITIBANK, N.A.
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 rewards from credit card

Complaint:
I booked round trip international flights with my Citi XXXX  points on XX/XX/XXXX on Citi 's website ( XXXX ) for two passengers, using 102,100 XXXX  points in total. The flight was later cancelled by airlines due to covid. I waited till XX/XX/XXXX but still didn't received my points refunded back, or any communications regarding this. So I called their custom services on XX/XX/XXXX and they said they initiated refund and expected 20 days to arrive to my account. But I didn't receive anything since then. I called them again on XX/XX/XXXX, and was told the previous refund didn't go through and they had to initiate another refund, and it would take one or two billing cycles to go through. Now it's already XX/XX/XXXX, but I am still waiting for their refund.

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 2021-06-08
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: Account information incorrect

Complaint:
I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on XX/XX/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 2021-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have yet to hear a response from the bureaus and my dispute letters were sent out on XX/XX/2021 @ XXXX and arrived to them on XX/XX/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 2019-09-06
Company: EQUIFAX, INC.
State: TN
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 still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: MD
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:
This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.

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 2020-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
capital one closed my credit card account due to a missed payment and reported late. My payments were set up through my XXXX XXXX XXXX portal. The payment in question is apparently from XX/XX/2020. When I called into capital one I was informed that they could not supply me with what the issue was but that they had returned the amount. Upon reaching out to XXXX they have no record of capital one drafting on the account. Since five subsequent payments went through the same account with no issues I do not believe the issue is/was on my end. 

I had never been reported late on any credit bureau during my may years with this account so not understanding where the issue is/was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have excellent credit and my credit score is always above 760. In 2014 I have received a pre approved offer from Chase card for a new credit card. I have called and because of my excellent credit history they approved me with a credit card for a total of XXXX credit limit. I have been using this card for my everyday purchases since 2014 and been a loyal client for them. About one week ago I was trying to pay for a gas at XXXX gas station and my card got declined. Also couple of days ago I have received a letter from them which says that they decided to close my account because I don't have enough credit. 
I have called them but they did not give me any reason and they told me that it is their decision and can not be changed. I have excellent credit history with excellent credit score. If they approved me and my credit was enough for them how come it is not enough for them now. 
I have attached copy of their letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
I opened a XXXX XXXX XXXX XXXX awhile back to build my credit and the card has not been reported to 3 credit bureaus. They promised to report and help build credit and when I called them they said they sent the info to the bureaus but I see nothing reporting this card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AES/PHEAA
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: Old information reappears or never goes away

Complaint:
After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX Service or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under US Dept of Education for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Hi, My name is XXXX XXXX one of the user of CoinBAse. 
i had participated one of the ICO ( initial coin offering ) from XXXX. And I had transferred XXXXETH and Tx status is succesfull. 
As per the etherscan it is showing that COINBASE had recieved XXXX tokens to their coinbase wallet. However COINBASE team is not helping to send it over to my personal etherwallet. 

After doing proper research over internet, there are plenty of users with such an incident. 
Please help me to get my hard earned money back to me. 

Regards XXXX M

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
I contacted both Experian and XXXX about an account on my credit report. XXXX XXXX Bank is reporting a business bank account as an unsecured loan on my credit report. I never signed a promissory note for a loan and XXXX XXXX Bank doesn't have any such documents to prove a loan. I sent documents to both Experian and XXXX to prove that it's a business checking bank account which was opened under a EIN and the account was under a business name and not my personal name. Both CRA are stating that they received information from the creditor of a loan and have copies of a promissory note which they refuse to send to me because it just doesn't exist. Both CRA acknowledge that it is a business checking account but still refuse to remove the account from my personal credit report because they are being paid by XXXX XXXX Bank to report incorrectly. 

Also, Experian is reporting an incorrect address on my credit report of XXXX XXXX, XXXX CO that they refuse to remove.

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 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I found the letter where it fell behind my desk and was surprised to see it was from an attorney. And that PORTFOLIO RECOVERY ASSOCIATES was who he was representing. But all it stated was the amount no other detail. It had been over 30 days so they wouldn't validate it and i didn't want i didn't want to risk restaring the timer on and statues of limitations. So I started looking for something that matched it i went and started looking through every old credit report i could find and never found anything that matched it. Could not find anything that matched the amount or the last 4 account number they gave. So i started researching portfolio recovery to try and find their contact info and seen a lot of the complaints against them. So i reread the letter and kept researching and realized that even though it stated authority for their client but all the way at the bottom never noticed before but it says this communications is from a debt collector .... ok so then XXXX XXXX XXXX owned but they were attorney 's so i looked them up and couldn't find them in Arkansas i searched the list of who i assumed were attorney 's and searched all attorney 's offices in XXXX XXXX. No luck so i did more research because something was wrong i didn't show their collections couldn't find anything matching it in my history. Now i wasn't sure who owned or who sent the letter. Couldn't find the attorney 's and given how they word it like they were attorney 's but state that they were debt collectors meaning they weren't attorney 's i don't think anyway I'm still confused on that part but i started reading all the attorney letter head and noticed where it said licensed in Missouri .... So the law office in Arkansas is licensed in Missouri? So they were attorney 's and not a debt collector? So started looking there but still no luck. But eventually i found my way here and hopefully some help. I'm not sure if they took legal action or not and still waiting for them to report to a credit report company. I have seen they have been ( they being portfolio recovery associates ) making soft inquiries but i just noticed the letter never actually says their client is portfolio recovery associates they are just referred to as re in the address area above my name. So i am not sure if it is portfolio recovery associates or XXXX XXXX XXXX or mystery client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There are so many things wrong with my credit report and I am so tired of trying to get Equifax to correct this. They are purposely reporting information that they know is not correct. They know that I was part of the security breach they had both times and no matter how much I request verification, they send a generic response " verified ''. They have multiple incorrect addresses, several accounts that do not belong to me, bankruptcies that they have not verified and are not mine, inquiries that are unauthorized! Like can they report correct information!!!???? 

Incorrect addresses : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Incorrect accounts that are not mine : XXXX XXXX XXXX {$640.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Opened XX/XX/XXXX *collections* XXXX XXXX $ XXXX Opened XX/XX/XXXX *collections* XXXX XXXX {$430.00} Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 2 public records being reported. I have asked to have these accounts verified and documentation sent to me. I contacted the courts and they do not verify this information. This needs to be removed immediately : Chapter XXXX Bankruptcy ( dismissed ) Date filed XX/XX/XXXX {$0.00} Chapter XXXX Bankruptcy ( discharged ) Date filed XX/XX/XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-25
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid 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 was charged unauthorized by a merchant by the name of XXXX on XX/XX/18. I have placed a dispute with card company and have sent written confirmation. I am supposed to receive provisional credit within 10 days. It has been beyond the 10 day threshold, I have received the replacement card but have not been made whole from the unauthorized charges stemming from this merchant. I have called multiple times to the card company but have be denied to receive any escalated support, which is why I am now reaching out to you for help. I am seeking a full return for all charges stemming from this merchant XXXX. 

XXXX card is my card company their phone number is XXXX Please assist

Company response to consumer: Closed with explanation