BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
In XX/XX/2018 I received a minor bump in pay. I did the right thing and asked XXXX to recalculate my monthly payment. Their website and recalculation application failed to mention anywhere that they would recalculate monthly income based on a person 's regular pay but also any overtime earned that month. My monthly payment amount skyrocketed. 

I contacted an agent who told me to resubmit using my tax return. I received no response after doing this. I called again and another agent informed me that the prior agent 's information was incorrect. They advised that I needed to wait until I had a paystub that didn't have overtime and resubmit again. 

In late XX/XX/2018, I resubmitted a new paystub for recalculation. I then received two letters less than two hours apart that contained two different recalculation amounts. No explanation was provided in either letter. I emailed and received a response on XX/XX/2018 indicating that the first letter was based on the income tax recalculation which was incorrect. The second letter was for the correct amount. 

On XX/XX/XXXX & XX/XX/XXXX I again received two letters with different recalculation amounts and no explanation for why I was receiving either one. I emailed multiple times and received no response. I just spoke to another agent and was told that the response from the agent on XX/XX/XXXX was incorrect, that this 3rd letter I received was an error and now the 4th letter with an even higher amount was correct. 

XXXX needs to improve their transparency with customers, their communication, and train their agents better.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Re : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Phone XXXX On Friday, XXXX XXXX I got a text from Chime asking if I had changed my Password. I call Chime and informed them that I had not and that all the transactions that had just taken place were not mine. 

The hacker had gained total control over my acct. changing all my information. Thus blocking me out of my own acct. 

Chime requested I submit proof of my identity which I have over 12 times as of today. 

The only communication chime has had with me is me calling them and requesting they address this issue and replace the XXXX taken from my account. My email go unanswered. 


I have submitted all the information they have requested but as of today I am still locked out of my acct and have no money. 

Please help me get my money back. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
never received notice that the debt was owed in the amount of {$12000.00} from MEDICAL DATA SYSTEMS the mark was added to my credit reports without any notification I was notified by XXXX ALERTS, didn't have any communication prior to that sent a debt validation request to the collection agency they sent back medical records with my personal health information and the amount owed which is a violation of the HIPPA LAW federal law prevents third party agencies to share personal records or health information to anyone without that person consent my PHI was also shared with the three major reporting bureaus

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 2018-10-18
Company: EQUIFAX, 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:
XXXX Bank XXXX # XXXX XXXX XXXX XXXX I had tried Numurious time to resolved these late payments, but i failed they are reporting 30 days late payment on XX/XX/2016 which was never late.this effecting my life i am in contract for buying a house can't get a mortgage because of this incorrect late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
FCRA credit unauthorized credit inquiries without my consent. I have a fraud alert on my credit report. I have not had any companies confirming if the inquires were legit. No companies have called me. 

- XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX XXXX - XX/XX/2020 XXXX  XXXX XXXX - XX/XX/2020 XXXX XXXX -XX/XX/XXXX XXXX XXXX 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 2018-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
As a Bank of America customer, Im specifically writing about their actions, but the same applies to XXXX as well. I am extremely concerned about the recent actions these financial institutions have taken to punish American businesses involved in firearms. These institutions are using their market power to attempt to control policy regarding XXXX  and the second amendment. They are denying financial services to XXXX manufacturers and/or retailers who do not comply with their new policies. Policies that go against the protected rights of all Americans. This is completely and utterly unacceptable. Banks are extremely powerful and through these actions are attempting to circumvent legislation and control public policy. Specifically, they are using their power to attempt to limit the constitutionally protected rights of Americans. This is gravely concerning and must be addressed immediately. It is unacceptable for massive corporations like this to use their power to essentially create laws. This must be stopped.

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 2018-07-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company pretended to be Chase Bank, I don't associate with the bank because I have my own bank. These people where either XXXX  or XXXX   that had sent me a text message and gave me a call on the XXXX of XXXX around XXXX in the afternoon. They asked how much I needed and ask for account information as well. Little did i know I had fell for the scam, because they always mention you need to go to local stores so that way you can purchase a XXXX XXXX card with sending photos of the code on the back as well of the receipt to collect information to keep money to themselves. I asked when will i get my loan, but they said that I had bad credit and that ill need to pay XXXX cash for a card in order to get it and then another one cause there will still errors, i didnt pay the other XXXX cash, and decided to call the actual chase bank and it turned out to be a fraud. They use the Government as their cover up with the reasons i can get loans and that I also was approved by a grant by the government. They are rude and have bad attitudes as one had called me poor cause i dont have the money to purchases for frauds like them. Overall invested XXXX dollars to them being so naive, because I was in depsreate need to provide for my fiance that is pregnant and not having a place to stay and for them to lie when I called them, i heard laughing and them getting quiet when I caught them in a lie. I want to sue them for leading me on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Credit Karma, LLC
State: WV
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:
The Hard inquiries is not mine I have not filled out for any credit cards for a long time because I knew my credit was bad already and I also know if I filled out any credit cards that my credit would lower. I don't want it to lower I'm trying to build my credit up, there are also items in my credit report that is not me, the items are from another person with my same name that lives in XXXX wv that is being put on my credit report. Thank you for you time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: EQUIFAX, 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:
To whom it may concern, I received a copy of my XXXX and XXXX report and notice that XXXX XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX  removed the account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX of XXXX XXXX, XXXX and XXXX XXXX XXXX On XX/XX/XXXX I acquired a lease with XXXX XXXX XXXX for 36 months. On XX/XX/XXXX I paid the lease in full. I received the title in the mail. On my credit report it stated my account was paid in full and closed effective XX/XX/XXXX. On XX/XX/XXXX I received an alert for a negative factor on my credit report for {$46.00}. I never received any letter concerning this balance. But this was put on a closed account on my credit report that is now open again. This has drop my credit score a XXXX points. I have tried contacting them about this matter and nothing has been resolved.

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 2020-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to ARS and the hospital in regards to this debt in the amount of {$1100.00}. I would like to know exactly what the charge is for. So long as it is a legitimate charge, I am happy to pay it. However, I will not pay anything If I do not know what I am paying for. I have asked for months for them to provide the bill to me. I know which hospital they say the bill is from and my husband works at the XXXX. No one is able to give us information about this particular bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Nelnet, 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 belongs to someone else

Complaint:
DEPT OF EDUCATION/NELN is stating the was late on the 5 account with the same account # XXXX. I will NEVER LATE ON THESE ACCOUNTS. 

Please provide method of verification of late payments and process used, I'm exercising my right under the Fair Credit Act as well. Please provide PHYISCAL PROOF of late payments as this information is not accurate. Fair Credit 611 Please correct payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/2022 I made two payments to a vendor using my Capitol One card. Capital One indicates both payments went thru to the vendor, the vendor indicates only one was received. I requested Capitol One to investigate why the 2nd payment did not go thru to the vendor, Capitol One credited my account, I submitted all the paperwork required to Capitol One. Capitol One ( in unusually fast response ) decided the paperwork submitted was not sufficient ; the vendor still insists they never received payment from Capitol One. The vendor has stated they have nothing else they can do and no longer respond to my requests for more information from their end that I can provide to Capitol One as proof they did not receive payment from Capitol One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-07
Company: Santander Consumer USA Holdings 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:
Hey i am still waiting on a response regarding a file of Incorrect information I disputed last month. I know it's been over 30 days and I don't have any investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 information incorrect

Complaint:
XXXX  # XXXX show a balance incorrectly and that the account was unpaid charged off.. closed by credit grantor.. is false and incorrect information

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 2018-04-29
Company: CITIBANK, N.A.
State: SD
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:
I am deeply concerned that XXXX XXXX XXXX and XXXX XXXX XXXX are implementing policies that run counter to laws and regulations passed by Congress, and they infringe and discriminate against my Second Amendment rights. 
This discriminatory behavior is unconstitutional and must stop. My decision to use a credit card in the purchase of legal firearms should not be blocked by a large corporation that disagrees with said purchases.

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 2018-04-29
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training. 

After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments. 

Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: ACIMA CREDIT, LLC
State: NC
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:
I have received a copy of my credit report and it shows company ACIMA CREDIT XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
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 disputed portfolio recovery accounts multiple times with XXXX. XXXX have failed many times to properly verify these accounts. Portfolio recovers keeps sending me a account statement saying this counts a verification. According to the law it does not count as verification. I can create a statement saying anyone owes me money. According to 609 Credit act they need to prove this account is mine. They havent gave me proper documentation to prove these accounts are mines.

XXXX has deleted all these accounts on my credit report.

XXXX  has deleted 2 out of the 3 so far I expect XXXX to delete all 3 off my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: OR
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 filed a complaint last month about using my new credit card and how XXXX took 126 point from me. They still haven't corrected this and I used my credit card again spending XXXX dollars on a XXXX limit and both XXXX and Equifax took points from me two weeks after purchase. My credit was in good standing until I used this credit card from XXXX XXXX. I dont get how my credit is going down for using a card and no one will explain. I was planning on purchasing a new work truck but I can't now. 150 point down on XXXX  and 30 point down on Equifax just for using my first credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove my extended fraud alert, 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 2018-04-29
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my mortgage was sold to Freedom Mortgage Company I made my first payment with them on XX/XX/XXXX. I begin receiving phones call from them indicating that they had not received my payment. I then contacted my bank, XXXX XXXX XXXX and they investigated and concluded Case ID : XXXX, that the payment had been received by them. Then in XX/XX/XXXX I made my second payment XX/XX/XXXX and found out that this company applied my XX/XX/XXXX payment to XX/XX/XXXX. Then they begin calling me for a XX/XX/XXXX payment, on XX/XX/XXXX I made a payment for XX/XX/XXXX and they have applied that payment to XX/XX/XXXX and now are calling for a XX/XX/XXXX payment. In XX/XX/XXXX I spoke to XXXX ID # XXXX @ XXXX who informed me that my XX/XX/XXXX payment was misapplied and that it was found and everything was straighten out apparently it's not and I'm continuously receiving calls for payments that I've already made. Once again my bank is involved and they can't understand what the issue is either considering that they have already provided an investigation into this matter, because once again they're saying that this all goes back to my XX/XX/XXXX payment that they didn't receive.

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 2020-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Serviving Acct # XXXX My original mortgage amount in 2004 was {$370000.00} and as of todays date, my mortgage balance is {$370000.00}. This is despite the fact that I paid over {$15000.00} XXXX towards principal alone last year and that I practically pay an additional towards my principle every month. I do not understand why my mortgage principle has not budged in si many years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation