BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-19
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I have been in contact with Navient as well as XXXX, XXXX and XXXX. XXXX has removed some of the accounts but there are still 5 posted on my credit report. XXXX and XXXX have refused to take any of the 6 accounts off of my credit report. I have never signed any agreements with Navient. I have nevwr had a loan with this company. I sent notices since XXXX of 2017 to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Med-1 Solutions, LLC
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:
ON XX/XX/2021 XXXX XXXX XXXX XXXXXXXX RAN MY CREIT WITHOUT MY PERMISSION AND I NEED THIS DELETED OFF MY CREDIT REPORT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Roughly 9 months ago, I received promotional advertising from JPMorgan Chase for a CD account with a relatively high interest rate ( if I remember correctly 2-3 % ) and I signed up for this promotional account and placed {$10000.00} in the account. 9 months passed and I did not touch the money. Then I received a letter in the mail AND an email from Chase saying that the 9 months account was coming to an end on XX/XX/XXXX. Instead of my funds returning my Chase savings account, the letter stated that the funds would automatically be placed in another CD account at a significantly lower interest rate ( if I remember correctly .01-.03 % ) if I took no action. Both the letter AND the email stated that I could " withdraw some or all of my funds '' out of the CD account by " visiting a branch '' OR calling a number. 

As of the writing of this complaint ( XX/XX/20 ), I have called Chase a total of 7 times and talked on the phone with many representatives for a total of ~2 hours and I still can not get my funds withdrawn from my CD account into my savings account. 

My simple request has been the same on every call : close the CD account and transfer all those funds into my Chase savings account. For some reason, the company says that they can not do it over the phone, despite their representations at sign up AND closure that they could. I only have 10 days from XX/XX/20 to close this account and I am currently away from my home. 

My request to the CFPB is the same, I would like to have my money located in the CD account transferred back into my savings account without any fees or charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Northland Group Inc
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Northland Group INC, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. Northland is collecting for XXXX XXXX XXXX Reference # XXXX ph # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or need some more detail on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
as of XX/XX/2021 and today i am being charged XXXX for a public storage unit that was passed off to a debt collector. at the store they clearly stated there would be no contract binding me to further chargers or other responsibility other than that of having none of my things by said date that was paid for.

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 2016-07-05
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New complaint needed as a Balloon Payment will be due at the maturity date of loan, but the loan servicer that set that in motion will not specify that in the most recent correspondence as requested. Being transparent as the consumer is, the non regulated loan servicer issues have made my ability to have a secure decision with changes in streamline and different tier and DTI, NVP that servicer has changed since XX/XX/XXXX drive by with their advantage with a low ball appraisal and not advising of canceled compared to declined modification which apparent allocation of previous trial modification payments went to past issues not the rear of loan as described. Chapter XXXX attorney that requested all info about loan to his office staff, reneged on helping with modification as his staff was given all information pertinent to doing just that. Attorney was censured and gave me legal right for substitute attorney which also dropped out of representing me due to his ability to easily back out. JUDGE XXXX knows him ... ... He called her from his office with me present about being substitute. XXXX XXXX is in jail as he is corrupt with real estate and XXXX XXXX FRAUD, as his office allowed XXXX XXXX, the practice manager and paralegal and an Associate Attorney XXXX XXXX take funds to represent and provided representation without TRUSTEE approval and then derogation found out with no contract provided. Questioning XXXX later, he said XXXX was let go for wrong doing. He later opened his own office. Calling his office, found XXXX employed by XXXX, a joke. Pursuing reimbursement, was told by XXXX XXXX representing XXXX XXXX to call XXXX because XXXX a Wealth management attorney went back to New York after removing himself from XXXX XXXX and XXXX firm. XXXX XXXX XXXX. Transparent issues with legal representation being a hurdle because of original chapter XXXX attorney issues, XXXX XXXX, XXXX and XXXX counties. Case was reaffirmed due to his lack luster attributes with trustee payment not reduced as mod was approved. Fault of Legal Council, ... ... complicating due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I previouly filed a compliant against Capital One Auto Finance and Credit card. They are still showing the same information they have lied about. I am still receiving sales information for {$30000.00} auto loans which I have asked them to stop sending. I pulled my credit report this morning from XXXX ( Capital One called a bogus report ) and as you can see on my credit report it is still there. As I mentioned before, the women that called supposedly investigating the issue was just as bogus by doing nothing she said. 
The IRS behind this concern has been over for over a year. What is Capital One 's problem. Please Help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: CA
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:
Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO EQUIFAX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE OR A COPY OF MY SIGNATURE. I have never done business with XXXX XXXX, nor have I signed any contracts with this company. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX XXXX delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus Equifax and XXXX directing them to REMOVE this erroneous entry as well. 

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1500.00} Acct no. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX {$1600.00} Acct no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX/PPC PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PNC XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX   HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Strategic Alliances, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made an arrangement to make a payment on XXXX/XXXX/16. On the Friday prior, XXXX XXXX, I called at XXXX MST to cancel the arrangement as I have started working with a debt consolidation company. I called during business hours and did not receive a call back even though I left a message requesting a call back AND requesting they stop payment. I gave them more than 48 hours to do so. I called XXXX as well. I continued to call on Monday and had to leave multiple messages for a XXXX XXXX. I did not get a call back from her until Tuesday the XXXX. After not having any resolution and being told I did not call Friday, I asked for a review. She said she would have compliance pull the calls. Again I went a couple days before she told me I did not have any calls on Friday. I have a record of all the calls on my cell phone bill. They charged my account which also started a domino affect of overdrafts fees. I have now left a message for their compliance department and have not received a call back regarding resolution on the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: MI
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:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # 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 2022-01-02
Company: EQUIFAX, INC.
State: MI
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:
It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TRUISTXXXX ; LOCATED : XXXX XXXX XXXX, XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$3900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

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 2022-01-02
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday, XX/XX/XXXX, I discovered several unauthorized transactions on my Chime debit card totaling in excess of {$2000.00}. I immediately locked my card and contacted Chime to report the unauthorized charges. Within hours I received notification that my claim had been denied and was informed that I could request a copy of the information that had been used to reach that decision. I initially submitted that request for information on Friday, XX/XX/XXXX, and was told that it could take up to 10 days for the request to be processed. 

In the intervening time and with no explanation, Chime closed ( and locked me out of ) my account. When I finally received the information I had requested, it was in the form of a link to a Chime webpage that I could not access because my account had been locked. I informed Chime support of the issue and requested that the information be sent in some other form, and after 10 more days I received the exact same email I had received before containing a weblink. This happened 2 more times ( culminating in a 2 hour long phone call with Chime support on XXXX XXXX ), and each time I received the same response. 

Chime will not allow me to appeal their decision without having any new information to provide them, but I dont have any new information to provide ( on the one hand ), nor do I have any understanding or insight into whatever information they used to reach their determination ( on the other ). 

I found it remarkable that Chime was able to reach that decision so quickly ( on XXXX, nonetheless ), until I did more research and learned that many other people have had a similar problem with Chime and that the problem seems to be more about the dollar amount of the claim than anything to do with its validity. As far as I can tell, Chime has essentially aided in the theft of {$2000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: CIT BANK, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Credit decision / Underwriting

Complaint:
My Reverse Mortgage is being Foreclosed on, because of no Property Insurance. The company sent me a Insurance policy XX/XX/XXXX and added it to my Line of Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have notified LVNV FUNDING that I was a victim of Identity Theft, my wallet was stolen, I provided LVNV FUNDING with a Identity Theft Affidavit. To date, LVNV FUNDING has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: QC HOLDINGS INC
State: MO
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact BoA I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at BoA do not care about customer complains.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One Disputes XXXX Disputes and Transaction Rebills XXXX XXXX Last XXXX Account # : XXXX Last XXXX Social : XXXX Listed below are XXXX transactions which I have disputed, all of which I have contacted and given you a detailed explanation of the reasons, which at the time your agent process a credit to my account. Since then, you have contacted the merchant claiming they have provided proof the charge is valid - which is absurd, when all they have sent you is a copy of the charge document - they do have a document with my name on - call transcripts - any type of written, signed affidavits, or any type of legal document. 
It 's amazing to mean that we, your customer believe your " {$0.00} Liability Protection '' yet when we call with a dispute, we are required to provide written, legal, signed documents, almost provide our blood type and swear on a XXXX before you will actually remove this charge from our accounts - yet the Merchant can send in XXXX screen shots, most of which you ca n't read and you are so ready to make a TRANSACTION REBILL and make us jump through hoops to get you to believe what we have told you. 
I believe your marketing should be towards the merchant - " ZERO CHARGEBACKS, NONE OF OUR CUSTOMERS HAVE THE TIME OR ENERGY TO FOLLOW THROUGH! '' I WANT THESE CHARGES REMOVED FROM MY ACCOUNT - YOU HAVE THE REASONS AND MY CALL IS MUCH MORE VALUABLE THAN A SCREEN SHOT FROM ANY MERCHANT. 
I WILL EXPECT A CREDIT TO MY ACCOUNT IN THE AMOUNT OF {$330.00} WITHIN 5 BUSINESS DAYS. Listed below is a detailed account of each dispute with your Transaction Rebills listed below each one. 
# Date Merchant Amount XXXX. XXXX/XXXX/XXXX XXXX {$74.00} XXXX/XXXX/XXXX Transaction Rebill {$74.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX {$120.00} XXXX/XXXX/XXXX Transaction Rebill {$120.00} XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX {$54.00} XXXX/XXXX/XXXX Transaction Rebill {$54.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX {$83.00} XXXX/XXXX/XXXX Transaction Rebill {$55.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please feel free to contact me at XXXX or XXXX if there is any discussion you need to have with me. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: LEXISNEXIS
State: AL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.

Company response to consumer: Closed with explanation