BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have tried twice to make a purchase on XXXX with a Bread XXXX XXXX XXXX card. The first time it was denied and I was told that they thought it was a fraud and it will be fixed. It happened again the next day when it was denied after being told that the problem has been solved. I called them asking why it has been denied since they issued this credit card to me. They are asking me to send them a copy of my social security card, my driver 's license, and a bill with my mailing address. I will not send them a copy of my social security card since I feel there is no need for them to have it. They are saying that after issuing this card and lowering my credit score that after I send them this information they will let me know in 30 days if I should get credit. If they aren't sure about if I should get credit or not, why did they issue a card in the first place? 

Since they said at the beginning of the call that it is monitored and recorded for quality assurance they should have a record of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase Bank, USA, NA sold my credit card account to XXXX XXXX XXXX without notifying me. I did not agree with all charges and different products billed to my account. XXXX sued me using a bad process server and my wages have been garnished for 4 years. I recently learned of the Consent Order that Chase entered into with CFPB and would like to know if my Chase account qualifies under that Consent Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: STERLING JEWELERS, INC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-05-31
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
" I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase closed down by business account and reduced my credit line almost to zero a few years ago. The notice was fairly short and had no explanation on why they wanted to end our relationship. The branch manager at the time told me he could n't find out why I was closed. My business was doing fairly well at the time and the abrupt closure cost me a few XXXX for changing banks. I recently tried to apply to a Chase XXXX Rewards Card and the credit analyst told me he could n't proceed because I have a " Negative/derogatory previous relationship with Chase ''. While surfing the internet, I read that this is a type of blacklisting that occurs in Chase. Not sure why my business relationship has anything to do with my personal credit card relationships. I also have a mortgage with Chase that 's in good standing for over 11 years. I would like to be removed from this black list as this does n't seem like a legitimate business tactic. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have requested both Navy Federal Credit Union and XXXX XXXX to provide me proof with the VIN # to the vehicle that they are reporting as charged off. They have refused to provide me a the vehicle identification number that is assigned to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: STERLING JEWELERS, INC.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR. 

I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry. 

I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of. 

I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Received a call around XXXX phone # XXXX claiming that they are debt collector and wanted me to pay {$7200.00} i owe to bank of american credit card that was open in 2002. They kept on repeating my SSN # which they have correct and threat to send to XXXX office for legal action.They kept on transfer me to different people and kept on asking the SSN # so they have it right. They pull up my criminal file which was wrong and incorrect.

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 2015-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Credit card
Issue: Billing statement

Complaint:
I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have 2 collection accounts that are not mines. The Macys acct attached does not belong to me Im not sure were they got this from. They say they have a judgement against me but Ive never been served any paperwork. This needs to be removed from all 3 credit bureaus. They are harassing me.

The other attachment is a medical bill that is not mines. Im not sure what this is and does not belong to me. Please remove from all bureaus as this is fraudulent. Ive called both companies with no resolution

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 2022-05-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Bank continued charging PMI for 4 months after the loan balance was below 78 % of cost/fmv. 

The bank acknowledges taking more PMI however they are refusing to refund the excessive funds that were taking from our account ( approximately XXXX usd ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: KEYSTONE EQUIPMENT FINANCE CORP.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I doubled my payments to pay off my truck faster which is by now done. Theyre now playing with numbers and saying it isnt done. Based on payments made I have now paid more than it would have cost me had I just paid regular payments. Theyre playing with numbers. Had I paid {$540.00} that was the note for 34 months it would have just been {$18000.00} but I have now paid more than {$20000.00} and counting

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I notified XXXX with XXXX XXXX XXXX over the phone at XXXX that I was disputing the debt and was requesting the original contract sent to me. Then on mailed a follow up letter stating that I was disputing the debt. Since then I have had a collection placed on my credit report from Jefferson Capital Systems , LLC who they said I owed. XXXX was unable to provide the contract to me so they sold the debt. I have suffered damage to my credit score from this collection which no one was been able to send me any proof that I owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I refinanced my mortgage with AXOS Bank and they sent me a check from excess escrow funds but I never received to my knowledge. On XX/XX/XXXX I received a letter from XXXX stating that I never cashed the original check and asked what I would like to do. One of the options was to reissue a replacement check in the amount of {$7200.00}. I submitted the request using their form before the XX/XX/XXXX due date via email and ended up receiving a response stating that the mortgage has changed lenders and the funds are not available. I responded and told them that the new mortgage company ( XXXX XXXX ) does not have the funds per a phone call with SG. They did not respond. The property ID per AXOS is AXOSBNK XXXX. Please help me get the funds that they stated are avaialble.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: The CBE Group, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The CBE Group XXXX Inc XXXX XXXX XXXX XXXX, IA XXXX Reference : XXXX XX/XX/22 Letter stated : The letter is regarding account with Department of Veterans Affairs account number XXXX As of XX/XX/22 you owed : {$34.00} and was charged administrative costs : {$11.00}. 

Caled XXXX spoke to VA Rep. and was told do not owe {$34.00} and account number XXXX not in their system. Called XXXX XXXX The CBE Group , INC. and representative asked what Government department I spoke to. I told them and they kept asking for department I spoke to. Every time I answered them, they said it was wrong department. I gave them all the information on VA that sent my medical bills and every time I was told, by CBE Rep ; I talked to wrong department. I finally replied that as per CBE Group letter : This is not my debt, I want to dispute the dept. The representative hung up on me. 

Contacted CFPB by phone and helped to be able to send in this form.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/2011 XXXX XXXX added a derogatory mark on my credit report per Equifax. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately and STOP harassments!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX/XXXX  XXXX Balance Owed : {$4900.00} XXXX  XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1300.00}

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 TransUnion several time about reporting inaccurate information on my public records. They keep stating they have verified this information but have yet to produce any documents from the court that they say provided this information to them. I have two inaccurate bankruptcy reporting Docket # XXXX ) and Docket # XXXX. TransUnion has continued to harm my credit worthiness but leaving inaccurate information reporting on my credit. They have failed to give me any documentation from the court, and they cant because the US Bankruptcy Court XXXX XXXXt does not provide information to credit bureaus. I have know accounts reporting in my credit file credit so why would they allow this to harm. I am in the process of filing a civil suit due to TransUnion negligence. I have also attached a copy of the updated report they sent me. 

File # 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 2022-10-09
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: FIRST CHOICE LOAN SERVICES INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.

Company response to consumer: Closed with explanation