BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I was notified yesterday by XXXX that someone has tried to open a XXXX credit card account using my name. This is fraudulent as I did not apply for a credit card from XXXX. One of the investigators from XXXX and I spent the better part of an hour on the phone trying to get someone at XXXX fraud department to answer the phone and all we got was repetitive messages asking us to wait for the next available representative. We never did get to speak to a real person at XXXX. This is is ridiculous and I want to file a complaint about it.

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 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Capitalone ha s been making harassing calls to my work numbers,  XXXX ,  XXXX , looking for a person with the same or similar name. I do not have any accounts with  Capitalone.  The most recent call was received on Friday,  XXXX , looking for a  XXXX   XXXX  on a recorded line. I do not speak with anyone on any recorded line, especially a wrong number. The person calling was told its a wrong number and he insisted he knows the person works here, which he does not as he did not verify he even had the correct  XXXX   XXXX . Any future calls will be forwarded to security as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I was recently denied a mortgage loan with equifax due to credit score inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America bought our mortgage many years ago from XXXX. We tried to do a mod. in XXXX and were denied. At a later date we tried to do a Mod. with the Presidents home affordable program. After almost a year of more documents needed, loan rep on vacation, wrong documents, anything to string us along they said the only program we qualified for would save us about {$60.00} a month. In the past year of 2014 we were told we missed a payment. We did a trial mod. and still they are saying we are missing a payment. I can never get the same person to talk to. My account manager is also a C S R. I checked my bank records and all payments were made on time, every month! They charge us {$15.00} for a phone payment, {$15.00} for property inspection, Hazard insurance. Mislead, misinform, drag out every attempt to resolve any issue, and make it almost impossible to refinance anywhere else. I WANT OUT OF THIS COMPANY!!!! I filed a letter of dispute with B O A dispute department and asked to check my payment history and either send me a fax detailing the exact payment we missed or send me a clean record and a letter stating such and to no surprise never received a response from them. I spoke to a C S R who said my dispute was denied and I asked her to fax me the denial. Her response was she was not allowed to. I ca n't get anywhere with the lousy company! This is nothing more than hanging a carrot in front of a horse. Very deceptive and questionable business practices. I would advise anyone potentially doing any business with B O A. DO N'T!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In the past year, Navient has not only driven me into financial hardship, they have also tarnished my credit. At the end of XX/XX/XXXX and beginning of XX/XX/XXXX my student loan payments had started. I called Navient numerous times to get my payments lowered as they were substantially high and I was ( and still ) unable to afford them along with my household living expenses. As of right now my payments are over {$900.00} a month, along with my XXXX loans which are around {$110.00} a month. When I called Navient in the early months of XX/XX/XXXX they had told me there was nothing I could do to lower my payments and did not take into consideration that I had an XXXX I needed to support. They had told me to stop making payments until my loans went into deferment and to call back after this time had passed and they may be able to do something as it will appear that I am unable to make the payments. After waiting I called back and explained my financial situation again, and asking for my payments to be lowered. After doing this for numerous months, as they had directed me to do, they refused to help me with a payment plan and they had me put my loans into forbarence for XXXX months. Knowing there " was n't anything they could do '' I started making my payments which are over {$900.00} for Navient along with my {$110.00} payment to XXXX, putting my family into financial hardship. 
Not knowing what to do and being able to afford to live independently with my family I did as they had directed me to do thinking they were going to help. Now I live with the harsh effects of this. I am now unable to consolidate my loans as every bank has denied my application because of the effects this took on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Experian has been charging me $ 21.95/month since  XXXX  of  2016 , with an initial {$39.00} charge of which I was unaware. That means that they have charged me about {$260.00} without my knowledge over the past 9 months. I called to get a refund for the money that was taken from me, but they would only refund {$60.00}. That 's still {$200.00} gone from my account for a service that I was not even aware that I had signed up for and that I do not use. They do not send an email nor paper mail stating that your credit card will be charged. As far as I am concerned, these charges on my credit card are fraudulent because Experian leads people to believe that they are only charging {$1.00} for a credit report, when in reality they are being charged {$40.00} at the very least.

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 monetary relief
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help 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 2016-08-28
Company: Statebridge Company
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was originally with XXXX Bank. Approximately 3 months ago I received notification from XXXX Bank that my mortgage was going to be serviced by another company named Statebridge Company, LLC. On XXXX XXXX, 2016 I forwarded my XXXX mortgage payment to Statebridge. 2 days later I received a notice stating I owed a late payment fee. On XXXX/XXXX/2016 I attempted to reach the representative listed on the Statebridge correspondence as the contact person. I called at XXXX ( NYXXXX ), I was kept on hold for over 10 minutes, never reached a live person, left a message requesting a call back and to date have not received as such. 
To add insult to injury my mortgage payment has not been applied to my account. The correspondence I received shows my XXXX mortgage as unpaid yet Statebridge has my payment, the funds were deducted from my checking account. This is the same chicanery, smoke and mirrors, slight of hand XXXX that XXXX Bank used to pull. I thought the actions/intervention of the XXXX government was to put an end these companies cheating the consumer!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: NC
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:
Account in litigation due to deception and predatory lending practices. Company found at fault. 

Account is also identified as an installment loan which is factually incorrect. The true account type for this account is a credit sale agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable.

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 2015-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
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:
I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL  XXXX  Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in   XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **-   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ;   XXXX   XXXX   XXXX  -   XXXX   INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX   XXXX  -   XXXX   XXXX   - XX/XX/XXXX  ,  XXXX -  XX/XX/XXXX ,  **EQUIFAX** -   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX    :  XXXX  ,   XXXX   XXXX   :  XXXX  ,   XXXX   XXXX   XXXX   ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with   XXXX   XXXX   ) ;   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ;   XXXX   XXXX   XXXX  -  XXXX  ;   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX  XX/XX/XXXX  - XX/XX/XXXX   ,    XXXX   XXXX   XXXX    -  XX/XX/XXXX  ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX  - XX/XX/XXXX   XX/XX/XXXX ,    XXXX -   XX/XX/XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   -  XX/XX/XXXX   ** XXXX **-   XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX   XXXX  -  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX Saturday XX/XX/XXXX, I initiated a wire transfer witch chase bank to take place on the next business day ( Monday XX/XX/XXXX ). On Monday XX/XX/XXXX the wire transfer status changed to completed and the money was withdrawn from my account. However the money never reached the recipient. I kept calling chase because domestic wire transfers usually shouldnt take longer then 24 hours, however they told me to that it was completed and to wait 3-5 business days maximum to see the money posted. I kept calling them and every time I was on hold for at least 45 minutes and every time I finally reached a live person they told me the same thing, the wire was successfuly completed without offering any sort of resolution. On Monday XX/XX/XXXX I called back again multiple times to initiate a wire recall, and after being on the phone for over 2 hours they just hung up. I called again on Wednesday XX/XX/XXXX, and was finally able to reach out to a representative who said they would initiate a wire recall. After spending hours on the phone waiting on hold and talking to customer service specialists who all told me the same thing. It took me almost 10 days to reach a specialist willing to try and offer assistance. However even after speaking over the phone regarding initiating the wire recall I have not received a confirmation or email anywhere that a recall was initiated, nor have I received the funds as of Friday XX/XX/XXXX. This money was sent with urgency and I expressed that to chase multiple times but know one was offering to help. Its been 2 weeks now and my recipient has yet to receive the domestic wire nor have I yet to receive a wire recall confirmation or the funds back into my account. As of now I have no idea where the money is in the process, and I will be changing banks when this issue is resolved. Customer service here is terrible and hold times on the phone are ridiculous. This is no way to conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, 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:
I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Around the first week of XXXX I tried using XXXX of my Bank of America 's credit cards and the transaction was declined. Then I tried using a XXXX Bank of America credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Bank of America to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and 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 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I 've attempted to make payment arrangements/offer of settlement with Capitalone, however, they insisted on a high payment totaling or equal to over  XXXX  for one month. I can not afford this amount and they are not open to any settlement offer either. I 've attempted to make payment arrangements via live chat in the past, however, the last rep was uncooperative and a separate complaint was filed in re which was not resolved. The balance is over  XXXX  and some charges are fraud, not authorized by myself. I believe a offer of settlement is fair, considering the fraud charges. How ever, Capitalone  will not accept. Since they will not accept settlement offer and or payment arrangements, please advise them to cease and desist from contacting me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: EQUIFAX, INC.
State: IA
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:
I am making a complaint because I noticed inquiries reporting on my credit report that I don't recognize. According to 15 U.S. Code 1666, the Credit Bureaus are breaking the law and are violating my rights as a consumer. The CFPB is suppose to protect my rights. I am making complaint hoping that this issue can be solved. 


INQUIRIES : PLEASE DELETE ALL INQUIRIES Equifax XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I feel like I'm being taken advantage of being ignored of my disputes. It is clearly stated on XXXX that failure to examine an item within 30 days is cause to instantly remove it off my credit report. Since it has been over 60 days, these entries should be deleted immediately. I demand that these accounts be deleted immediately, or I will sue you for the stress you have caused 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 non-monetary relief
Consumer complaint received 2016-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or " excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.

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