BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2018 my credit report was pulled without my consent as an attempt to open an account under Capital One Bank. An account was not successfully established to my knowledge but this hard inquiry reflects on my credit profile and after contacting Capital One Bank on more than one occasion they could not assist with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Discover card that I do not use any more and do not get statements to this card either. My doctor accidentally processed my session on XX/XX/2022 using the incorrect card on file which I was not expecting. I even double checked with my doctor to make sure they used to right CC on file, that CC bill is set up for auto pay and paid in full every month. I got an email from Discover saying my payment was late so I paid my balance from the doctor and asked for the late fee to be removed due to the error. 

They would not remove the 2 fees on the account and said I will continue to accrue interest and late fees until the balance is paid. I closed my account and asked if they could please remove the {$80.00} in fees- as a single mom with XXXX kids, this was not possible for me to budget and I have a long credit history that is great with them. I called them today XX/XX/2022. 

I would like my balance brought to zero because it is just late fees and it will continue to grow every month unless I can get it stopped where it is and then be able to pay it off. Please tell me what my options are to get help. 

Thank you,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-19
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/22 I was called by XXXX to supply the letter of which apartment complex I lived in for an address in XXXXXXXX  XXXX. They were delivering a package that was ordered under my name from XXXX. I live in XXXXXXXX XXXX I called XXXX and they stated that my name was used and it was purchased with a genesis credit card. The email provided was different from mine. A week later, I received a bill in the mail from genesis fs card services for {$520.00}. I never opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi. I urgently need help. I am in the midst of purchasing a home and got a notice from the lender Comenity Bank ( XXXX Credit card ) showing my payment was past due for 3 months. The amount past due was approximately {$190.00}. However, in XXXX XXXX XXXX, I spoke with a CSR regarding my account and re-enrolled in autopay. The CSR stated that my account would be good to go for auto pay as well as paperless statements for the next 12 months. In 12 months I would have to call back and enroll in autopay again. However, this was not the case. To make matters worse, this was the second time I've had this same issue with the same company. I've been a loyal customer and have never had issues paying my bill on time. NEVER. I attempted to speak with 3 different managers over the past 24 hours and have gotten the run around 3 different times on how to have this fixed. I advised the managers to listen to the recorded phone conversations from the last 2 years and theyll be able to see exactly what was said to me by their customer service representative. Nonetheless, I paid the account back up to date. All of my bills are enrolled in autopay and I receive E-Statements because I am hardly at home due to my work profession. I am so close to accomplishing a life goal of purchasing a home but these 2 late payment notices are the only thing hindering it. My credit score dropped over XXXX points and I need to have this late payment removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: IN
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:
Reporting inaccurate 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 2017-01-17
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Chase has issed denials of receipt dispute documentation and when provided with it refused to assist. 
The charge of XXXX was not authorized nor was there any documentation to substantiate it. 
Am confused why my credit card company of many years would intentionally work against me. 
I am owed XXXX from XXXX from the XXXX XXXX. 
Please return this money that was taken without my signature and consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I hold XXXX credit cards with Bank of America. I was enrolled for autopay on both cards using my checking account at XXXX XXXX. I recently closed my XXXX XXXX account and moved my checking account to XXXX XXXX. I neglected to update my autopay settings for my Bank of America credit card, and consequently my automatic payment for XX/XX/2022 was returned. 

As a consequence of this returned payment, Bank of America automatically and completely disabled my access to their online bill payment services for all of my credit card accounts. As a result of this automatic deactivation, I was not able to update my payment information in order to make payment from my new checking account with XXXX XXXX. 

This policy is highly damaging to consumers and should be prohibited. A consumer whose payment is returned is already subject to fees and penalties. Terminating access to the online payment system makes it more difficult for the consumer to correct the issue and make payment to the bank, avoiding further penalties and interest. 

Blocking the consumer 's access to Bank of America 's online payment system makes it more difficult for the consumer to make a payment, resulting in more fees for the bank. If the consumer 's payment is rejected/returned, the consumer should nevertheless be permitted to continue to access the online payment system, in order to submit updated payment information and make payment from a different source. 

Other card issuers do not impose this harmful policy of locking consumers out of the online payment system after a returned payment. Bank of America should be prohibited from doing so.

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 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have NOT authorized any credit inquiries for several months yet there are XXXX new credit inquiries on my credit report. I dispute authorizing any credit inquiries

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: WA
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, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Untitled XXXX XXXX Subject has not satisfied debt. XXXX 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 an 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 2022-10-15
Company: Experian Information Solutions 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:
My rights were violated by Experian and I demand the inquiries be removed from my credit report as they are causing my life harm. 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 an account without my written consent. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-08-15
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity bank notified me that my XXXX account would be closed due to the XXXX acquisition. However, when I called to confirm this information I was told yes ALL XXXX accounts will be closed. When I pointed out that my husbands XXXX account would remain open after the acquisition, I was then told it is because their terms say " we can close your account for any reason at any time. '' This is an unfair practice with no justification. If one account can remain open after the acquisition then why must mine be closed. This will have a severely negative impact on my credit score and I have been give no real reason that my account will be closed on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have XXXX separate student loans, XXXX federal and XXXX private. I 'm have paid & gt ; {$500.00} a month for 10 years and still have $ XXXX. I have had financial difficulties at the moment and was making partial payments. I have been getting calls every hour everyday from Navient. I have asked many times for a payment reduction but they will not work with me. It 's very hard to be a single female trying to work, pay rent and all other bills and have no help from XXXX Loans. I have already paid the loan amount and more but they wo n't work with me and are now harassing me all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There is a fraudulent charge on my account, and when I attempted to report it, the representative from the financial institution was very rude and hung up one me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My chase checking account is negative XXXX XXXX because chase doesn't want to put a stop payment to the XXXX XXXX car companies. That i no longer have the rental and I contacted chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had requested to close my account on XX/XX/XXXX and the rep told me that the remaining balance will be mail to me. I called on XX/XX/XXXX to check the status of the check and the rep said it was mailed on XX/XX/XXXX and I should be receiving it before XX/XX/XXXX. I called again on XX/XX/XXXX to informed them that I didnt receive my check. The rep told me that Ill need to wait and if I would like to have a replacement check then itll be a fee for it. I was asking the rep if theres any tracking number to see wheres the check. The rep stated that I didnt ask for 2-day express or overnight delivery so she wont be able to track. I asked her what if the check is lost or someone took it, I still need to pay for the replacement? She said yes, this is the only option. It just doesnt make sense that they didnt ask if I would like to pay extra for mailing it with tracking number and told me no matter what Ill need to pay an extra fee for the check. As you can see from the attachments, shipping options was never being offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a Bank of America credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Bank of America Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at BOA who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of BOA. Imagine how they treat people with less stellar credit. It 's a disgrace.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I ended my account with XXXX in XXXX XXXX XXXX and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX XXXX XXXX, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector Convergent Outsourcing Inc said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with Convergent Outsourcing since it had been reported already on my credit. I contacted Convergent Outsourcing, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a missbilled balance of around {$110.00}.

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 explanation
Consumer complaint received 2020-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery continues to contact me after repeated requests to cease and desist all communication. This is a out of 12 year old debt but they continue to harrass me on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I received a prepaid debit card # XXXX thru CITIBANK. The card was issued on XX/XX/XXXX and the plastic card listed an expiration date of XX/XX/XXXX. I believe that this violates the Credit CARD Act of XX/XX/XXXX, which requires a 5-year period of use. I have reached out to the telephone number on the back of the card ( XXXX ) and was routed to a company called " Prepaid Services, '' XXXX XXXX XXXX, XXXX, PA, XXXX. I explained that I need the card to be reissued because the stated expiration date was not in accordance with the time period required under state and federal laws ( the card has not been " activated '' for & gt ; 12 mo. for which fees would apply ). The company refused, citing its agreement with the issuing entity ( XXXX ). 

Please help clarify whether I accurately understand the legal requirements and advise whether I am entitled to a refund of the card amount ( {$15.00} ).

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 explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
THE COMPANY REPORTED INACCURATE INFORMATION THAT THE PAYMENT WAS 30 DAYS BEHIND AND IT IS NOT

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 2022-04-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
THE COMPANY REPORTED INACCURATE INFORMATION THAT THE PAYMENT WAS 30 DAYS BEHIND AND IT IS NOT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
THE COMPANY REPORTED INACCURATE INFORMATION THAT THE PAYMENT WAS 30 DAYS BEHIND AND IT IS NOT

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 2015-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been denied a modification from Bank of America for the XXXX times, they continue to string me along, like my modification is being review and after one year or more they come back to tell me I was denied ... 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: NRA Group, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/20 a " collection '' was placed on my XXXX  credit report by an anonymous company just listed as " collection '' without any information other than a phone number. 

( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) After calling the number listed, the operator informed me the call was recorded and an attempt to collect a debt. I asked the caller to operator to verify the company information, and the original creditor, XXXX XXXX. I informed the operator I had not had an account with them in over two years, and would be disputing the debt. I informed the debt collector that I would call XXXX XXXX to dispute the charges as well. 

The debt collector attempted to gain additional information regarding my contacts, and informed me that contacting the original creditor to verify and dispute the debt was not an option as they would only 'send me back to the collector. '' I verified my address and telephone information was correct, and informed them I had never received a notice in writing, informing me of my right to verify or dispute the debt. 

I contacted XXXX XXXX to dispute the original charges, as I was not a resident at the location on the dates in question. XXXX XXXX informed me the charges, which are over 2 years old, would remain on my report despite the dispute, and incorrect dates and charges. XXXX XXXX confirmed my contact information as well, and never took steps to notify me of the debt prior to initiating collection activities. 

XXXX XXXX, and this Collection Company, are in violation of fair debt collection practices.

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