BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-01
Company: CBC Companies, Inc.
State: CO
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, XXXX XXXX, and innovis  are proposing the account details of my XXXX  XXXX bankruptcy, in addition they are reporting the XXXX XXXX car agreement with XXXX XXXX as not paid off. I paid off the vehicle and am in good standing with XXXX XXXX. 

Please, fix these two issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.

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 2017-03-29
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: WESTERN UNION COMPANY, THE
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Please Need Help With my Problem Hello, i reported that my account has been not working from a few months ago after i lost my phone device. 

i sent many email to XXXX about the problem with my account when i try to send money. 
They ask me for several information about verification processes for help me to reinstate my account. 
The main problem is that i reported many time that the website upload.wu.com is not working for send document. 

I sent my document to the email but all agents looks like they really do not read my email and always sent me the same answer about sent the document to the link upload.wu.com. I feel really tire because i sent many email with the explanation, ( that link is not working for send Documents ). 

Other problem is that customer service cant help with my actually problem because they said i have to contact to XXXX. 

I have been using western union services for several year and its important to me to fix any problem with associate with my account. 

Western Union [ ref : XXXX : ref ] Western Union Case Verify my Id ref : XXXX : XXXX Western Union XXXX XXXX XXXX : ref XXXX XXXX XXXX XX/XX/1988 XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX zip XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Company has closed my account wouldnt give me the reason why and I was just simply disputing a charge that wasnt mines and I have a open legal case against chase bank and they never responded to it for years and Ive been a chase customer for awhile until they close my checking account in XXXX  and also told me I have a past due balance on another checking account that was open like almost 20 years ago I didnt authorize and I was in XXXX  during that time and they wouldnt open up a fraudulent investigation on it and never received any letters for that checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Frost-Arnett Company
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to call my cell phone and work phone, trying to collect a debt that was wrongfully submitted to collections. The debt has been resolved with the original medical provider. However, this company, Frost Arnett, continues to contact me trying to collect a debt they are not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank at Chase and I am a small business owner. For the past 3 months, I have been trying to stop unauthorized withdrawals from my banking account. This endeavor has taken at least 10 hours of my time and I am still missing {$2200.00} from an unauthorized payment. Each time I call Chase, I speak to a different person and it takes upwards of 30 minutes for them to understand the situation. On top of that, there is always a different resolution, and Chase 's multiple back offices ca n't see notations from other offices. Chase has now withdrawn and put back in {$2200.00} into my account now 4x. I was told this issue was resolved multiple times, and then the funds are withdrawn without even a notification as to why they are taken out. I am still out this amount of money. 

On XX/XX/XXXX, a merchant that I am no longer doing business with, withdrew {$2200.00} from my account. I immediately called Chase and they were able to stop this payment, and I paid {$30.00} to block this merchant. 


On XX/XX/XXXX, the same merchant came back and withdrew {$2200.00} from my account. This time, the merchant withdrew funds under a different name. I immediately called Chase, and XXXX ( spelling? ) in the phone banking division said she would stop the funds from going out, but she did not follow the proper protocol. I was told that the funds would be back in the account in 1-2 business days. 
On XX/XX/XXXX, there were still no funds in my account, and I called back to inform Chase. It was at this point, that a " claim '' was filed. However, in multiple discussions with Chase, I was told this claim needed to be filed within 24 hours. XXXX ( who I spoke with on XX/XX/XXXX ) did not follow proper procedure when I initially called. 

After my call on XX/XX/XXXX, Chase temporarily put the funds back in my account, but then withdrew them a few weeks later on XX/XX/XXXX, claiming i had not filed the proper procedure to file a claim. 

On XX/XX/XXXX, I spoke with " XXXX '', senior specialist in claims and he agreed that " XXXX '' did not file proper procedure. He told me they need to contact her call center and refund me the {$2200.00}. 

Then the executive office got involved, who acknowledge that I called and spoke to someone within the necessary 24 hours but that call can no longer be listened to after 30 days. I did not call Chase customer service to chit-chat, I called to stop the fraud in my account. This has been twice escalated to the " executive office '' in Chase with the same negative result. 

I should not be a victim of Chase 's inability to follow procedure. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have contacted ChexSystems numerous times via mail and phone requesting a pin is sent to my address. I have updated my current address with the company each time I have spoken with them. I have been attempting to receive a copy of my report for the last six months and every time I call they continue to verify the wrong address and refuse to acknowledge any previous requests or correspondence.

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 2016-06-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
they are reporting a tax lien that was withdrawn and dismissed as an error in the courts. This was filed against me in error and they have it on my credit report.

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 2022-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX BANK Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : 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 2017-01-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have an automatic payment set up through my bank. The payments to Navient are made a week before the due date. For this month, in the five years since I 've been making payments, Navient sent me a notice that my loans were all past due. I called them to verify payment had been sent/received and their records indicated they had not received anything. They also looked through their " lost and found '' and could not find a payment matching the amount and date it was sent. I called my bank and they verified the payment was sent and it went through. I am currently in the process of fighting with Navient to fix the mistake on their end and remove the past due notice on my student loans. My bank has sent over the required " proof '' indicating the payment was made in full and on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Bank of America took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Bank of America a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: AMERISAVE MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerisave Mortgage should be investigated for being incapable of servicing mortgages. EVERY SINGLE month, I have to call them to fix some screw-up or other. Their employees provide false and misleading information, make promises that are not kept, CLAIM to be making desired account changes, but fail to do so. Cancel automatic payment plans for no reason whatsoever ( not at the customer 's request ), at least three-quarters of the people that take your call on the phone ( when you can actually GET someone on the phone ) have some sort of shortcoming with respect to knowledge and/or performance of their job. I have NEVER encountered a more incompetent institution in ANY industry. Massive reform is needed. Management should be flushed, employees given far more training than they have received to date. I was promised that a biweekly payment plan would pay down capital every two weeks, but after MANY conversations, I discover that Amerisave merely withdraws funds every two weeks, sticks the money in a non-interest bearing account, waits for the second half of the full month 's payment to arrive, THEN pays the mortgage and for this privilege, the customer must pay a startup fee of {$150.00} and pay the mortgage a month in advance. This is a scheme for robbing the customer of the interest in their source funds account and capturing that money for Amerisave to use interest free for two weeks until the other half of the payment has arrived. It's a form of theft, but it's presented as a plan that pays down the capital at an accelerated rate. Deception, misrepresentation, and incompetance in one institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
RE : XXXX credit Card Missing payment history Dear CFPB : Upon review of my credit report, I discovered that my payment history reporting on credit card account from XXXX XXXX XXXX was missing 12 months of payment data from Experian. The account payment history credit report on XX/XX/XXXX reflects the original opening date of XX/XX/XXXX and reporting data on that month XXXX XXXX XXXX. 
My XX/XX/XXXX credit report reflects a change in the " XXXX reported date '' stating XX/XX/XXXX and XXXX months of payment history deleted from this account. 
This account has a perfect payment history and is not reported correctly by the credit agencies. I suspect that someone had done this to cause the age of the account to shorten thereby causing credit score changes/anamolies. I have contacted XXXX and informed them of the dispute, I am following up with the CFPB in regard to this situation because I suspect the employees, credit managers, or data furnishers of the agencies are manipulating credit data to cause reductions in individual consumer credit scores. 
I ask the CFPB to investigate these issues of missing payment data on existing consumer accounts that are in good standing. 

Sincerely, 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