BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-31
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
After graduating from college I went through a divorce and was in a financial position where I had no choice but to file a Chapter XXXX bankruptcy. During that time my student loans went into something, I believe deferment. To this day I do not understand exactly what happened but it is something called compounding. My original XXXX student loans were in the amount of {$29000.00} and {$5400.00}. My current balances are {$37000.00} and {$6900.00} respectfully. I do have XXXX other smaller loans for XXXX courses I took ( {$3400.00} and {$5800.00} ). To date I have paid back a total of {$120000.00}. The XXXX XXXX loans are to continue through XX/XX/2032. My XXXX payments are {$330.00} and {$62.00} totaling {$400.00}. By XX/XX/2032 I will have paid an additional {$72000.00} for total repayment of approximately {$200000.00} on loans that were originally {$35000.00} ( XXXX ) that is almost 6 times the original loan. I am not a numbers person and am grateful that I now have people, around me, in my professional life who can help figure this type of thing out. I have paid my original loan amount of {$35000.00} off several times at this point and I simply do not understanding how this compounding amounts to anything less than loan sharking by PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Remove XX/XX/2021 inquiry from credit reporting bureaus. The credit score used to generate a credit denial for XXXX XXXX XXXX XXXX XXXX XXXX  is wrong. The credit score is wrong that caused the denial. I have opened complaints on all credit bureaus to correct the credit scoring.

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 2021-07-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
About six weeks ago I opened a Chase Total Checking account and all went well. In fact, I was so impressed with the service I planned to open a business account until the events of the last few days. On or about XX/XX/2021, I opened a cash management account at XXXX. On XX/XX/2021, I asked XXXX to transfer {$100.00} from my Chase Total Checking account to my XXXX XXXX account which was done. 

On XX/XX/2021, I asked Chase to link my Total Checking account to my XXXX XXXX account. This is THE SAME ACCOUNT FROM WHICH THE INITIAL DEPOSIT WAS MADE BY XXXX WITHDRAWING THE MONEY FROM MY CHASE ACCOUNT. 

Chase set up two trial deposits which I reported and then Chase stated this XXXX XXXX account was linked. On XX/XX/2021, I attempted to make a transfer thru my Chase account to withdraw {$100.00} from my SoFi account. Then all XXXX broke loose. 

My account was frozen SO THAT I COULD NOT READ ANY MESSAGES AS TO WHAT HAD HAPPENED. An email cited " suspicious activity. '' I discovered this at XXXX XXXX  ( I trade the world 's financial markets from XXXX XXXX  to XXXX XXXX  eastern time ). I was told that I had to wait until XXXX XXXX  for clarification. I spoke to two people and after one hour of " validation '', my account was unfrozen. I was told that the reason for the freeze was the inability to validate the account at XXXX XXXX which made no sense since Chase sent money to this very account and verified it with two trial deposits. I asked twice for a written explanation and they refused stating that I must call.

I would like a written explanation of the problem and why I needed to be damaged by the freezing of my account. It cost me thousands of dollars in wasted time from the markets to play these games with Chase. A simple refusal of the transfer and a written explanation of why would have sufficed. Chase seems to be drunk with power.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed two items on my credit report and they pretty much told me that the two items I disputed about was mine. I have a twin her name is XXXX XXXX and mine is XXXX XXXX. Our SS # 's are two numbers off, we live at the same house and work for the same company. I am at my wits end with this. We are XXXX different people and they keep saying her XXXX is mine on my credit report. I want it fixed, and at this point I don't know which way to go other than investing money I don't have for an attorney to get this rectified. Please give some incite as to what can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Social Finance, Inc.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a cash management account at SoFi called SoFi Money. The deal which is to expire on XX/XX/2021, is that once {$100.00} is deposited, the account will be credited with {$25.00} and then if a direct deposit of {$500.00} or more is made, the account will be credited for an additional {$75.00} bringing the total to {$100.00}. 

On XX/XX/2021, I transferred {$100.00} from my XXXX XXXX XXXX account initiated at the SoFi Money website. During the same time, I received an email stating that if I made a total of {$1000.00} in direct deposits in 10 days, I would receive {$100.00} Confused by the change in the deal I called on Monday, XX/XX/2021, and spoke to XXXX who stated that the deal has changed many times and his understanding was that if a total of {$1000.00} was made thru direct deposit during any 60 day period in the account, that {$100.00} would be credited. 

On the next day, XX/XX/2021, I received an email from SoFi congratulating me on scoring {$25.00} since I opened a SoFi Money account and inviting me to open a SoFi Investment account.

It seemed that this reflected the original deal of getting {$25.00} upon opening a SoFi Money account to which {$75.00} would be added if I made a direct deposit of {$500.00} or more.

I asked for written confirmation and SoFi refused. 

I am tired of talking to people who have no control and are not responsible. I want SoFi to honor the original deal. I want the {$25.00} bonus deposited and I will direct deposit an additional {$500.00} to get an additional {$75.00} bonus for a total of {$100.00} bonus from SoFi for opening a SoFi Money account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX of this year there was 8 charges of XXXX e card from XXXX on line, they did stop the charges after the 2nd one, Bank Of AMERICA then sent me a email about false charges, I told them this was not mine, thet sent me a new Credit Card, and went to dispute the charges. in XXXX, 2021 they send me a letter saying XXXX said I ordered all of these cards, which was not true, I disputed it again and the sent me another letter two days ago saying these were my charges. I am a very honest person and never, ever did this charges, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
This is what I sent to Bank of America on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an " improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit 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 2021-02-19
Company: Berlin-Wheeler, Inc. (Kansas)
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX  failed to remove unauthorized hard pulls by XXXX XXXX  and berlin-wheeler was nver investigated

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 2020-03-31
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This information is in regard to XXXX  Credit Reporting Agency. 

Credit Report Number : XXXX XXXX  has continuously and is currently reporting 2 accounts that is a result of identity theft within my credit file. The info is with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. Perpetrators were able to obtain several loans, bank accounts and credit cards using my information. I had filed a police report, I had filed an FTC identity theft report, and yet they ( XXXX  ) still kept the fraudulent information within my credit file. Not only did they did this, the credit bureau ( XXXX  ) has also updated and maintained this information within my report, even though XXXX  and both ( XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES ) companies has failed to send me information on who opened up these fraudulent accounts. 

Several times I have asked XXXX  to remove the accounts and to verify who had opened these accounts with XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES, and to several times, no success or avail. 

Ive also reached out to both companies XXXX XXXX XXXX XXXX & DISCOVER FINANCIAL SERVICES. XXXX XXXX kept on giving me the run around and no one never returns my calls. While a representative at Discover Card told me the company has its obligations to keep a record on everyone, regardless if that person is an ID THEFT VICTIM, and even if its mine or not. Nor are they obligated to send me anything as well on the fraudulent account even though a police and FTC REPORT was filed. I had submitted a police report and an FTC identity theft to Discover Financial Services. 

Both fraudulent accounts are still within my credit as of XX/XX/2020. 

I currently work as XXXX XXXX at XXXX XXXX, in XXXX XXXX NY. 
So daily I have to restrict my commute by using XXXX/XXXX  services due to the exposure of the Coronavirus on XXXX  public transportation. And in return its costing me closer to thousands of dollars every week. All due to the fact that I can not apply for a car loan due to my Identity being stolen and fraudulently used. As well as the fraudulent acts of XXXX  Credit Bureau. 

Im facing risk with my life everyday, and the last thing that I should be worrying about is my credit being used fraudulently at XXXX  Credit Bureau. XXXX  has not made it easy for identity theft victims such as myself. An help from someone within the Consumer Finance Bureau is highly appreciated. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: Bread Financial Holdings, Inc.
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: Account status incorrect

Complaint:
XX/XX/XXXX this account is reporting OPEN, Negative & /or showing a balance after being included in bankruptcy XX/XX/XXXX which was discharged XXXX & closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I dont agree with the decline reason they are proving me its inaccurate information Im a victim of identity Theft they refuse to process my application for my Costco Visa card telling me I have too many inquiries but experian has confirmed that their are none since Im a victim for identity theft they have been removed I tried explaining this to them but they still wont Approve what a bad experience and application process

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 2021-07-31
Company: ALLY FINANCIAL INC.
State: TX
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:
I refinanced my auto loan and paid in in full. I have complete records of everything. 

Ally financial first took several months to report my auto loan as paid in full. 

I reported the issue with all 3 credit agencies. 

The account is now reported closed but Ally is reporting that I have a {$5000.00} balance to TransUnion when I have a paid in full letter from Ally and they released the title.

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 2022-12-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a youth checking account that converted to a regular checking upon the child turning XXXX. Mom is listed as an account holder still. Unauthorized account charges from XXXX have occurred. Usaa will not speak to the mom or child on the account and has not addressed the charges. Thus is due to not being able to authenticate the child who has limited info in XXXX XXXX and has issues accessing the site. Usaa refused tech support requests, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During the big bank bailout, Bank of America took over Countrywide mortgage and my loan..Before a balloon payment was due I called the bank to see if I could make a loan modification. Then the process began which went on for months. At first, a regular payment came due and I made the original payment and it was returned to my account. They refused the payment. I let XXXX XXXX know and we continued with the modification. At this time, Bank of America was turning in bad credit on my account. I told XXXX and she told me that the bank would make it right after we finished with the modification. I got a notice that I had to make XXXX Trial Period Plan payments of {$640.00} and these are the payments for XXXX, XXXX and XXXX 2015 that they are saying I did not make. They did not apply this to my loan until all XXXX payments were paid. They then added XXXX dollars for interest on the loan. I then received a notice that the monthly payment would be {$720.00}. On the same notice they wrote " We appreciate your cooperation and look forward to taking the final steps to providing you with affordable mortgage payments ''. No time during this process did I talk to anybody about this loan. It was dictated to me from beginning to end. During this time we got a notice that we could not talk to XXXX about this loan anymore. We had to talk to whichever loan officer who dealt with me when I called. I talked to XXXX loan officer about the payment being excessive and he said I had to wait for a year to even try lowering it. At this time we were dealing with another bank and they said our credit rating was destroyed because of these payments they said we did not make. I called their credit dispute division and they said XXXX had asked them to remove the bad credit rating. But they said they needed a letter from me asking to have it removed. I sent a letter and still nothing happened. I went to XXXX XXXX, XXXX, attorney, and they sent a threatening letter on our behalf. Still nothing happened. We received a letter saying we needed to sign an authorization form before they could deal with it. At this time, nothing has been accomplished with fixing our credit rating. I am still making regular payments of {$720.00} as dictated by the bank. They lowered the interest rate 1/2 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-31
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/3020 Bluebird by Amex shut my card down because of section 22d if there services agreement. I cant get my money. How do I get them to return my funds? I have a XXXX dollar balance. My social security benefit is directly deposited into the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like it removed as it is reporting negatively to the credit bureaus and causing catastrophic damage to my credit report and financial freedom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation