BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Bread Financial Holdings, Inc.
State: MO
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 tried to get in touch with company on many occasions never received a call from this company, they are reporting late payments which is false I assume since the representatives are working form home I maybe came across a few who couldnt assist me or did not want to. However this is the companys error of there however is a late payment I have never been late on a payment so its strange I now have a missed payment when the reps are working from home. Company has even admitted that they are reporting inaccurate information on my credit report and still has not fixed the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My name is XXXX and I used to have a checking account, money market account and mortgage with Bank of America ( via Countrywide ). Bank of America, now referenced as BOA, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell BOA to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.

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 2021-01-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I found a website and purchased a XXXX XXXX XXXX. I paid through XXXX and was given a tracking number. However when the " package '' arrived it a very cheap phone case. It is clearly not what I paid for ; as I paid {$180.00} for a camera and not for a flimsy phone case. It has been increasingly difficult to get my money back from my bank or XXXX. 
They seem to be siding with the scammer in this instance and it is quite frustrating. I really need some help. 
Since I recieved something, they refuse to re-imburse me, even if it is a cheap phone case. 

I purchased the product on XX/XX/2020 recieved the incorrect product on XX/XX/2020 I tried to open a dispute with XXXX but had no luck as the seller wanted me to send the product ( cheap phone case ) to XXXX! 
I pleaded with XXXX that this is clearly a scam and I proof of not only myself but others getting scammed. 
I then went to my bank as I figured I would have protection from them. I was denied my claim, filed an appeal, went to a branch and gave them my proof to fax to fraud department and denied AGAIN! I am now filing a THIRD appeal but I am not sure what to do anymore. I am so frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told my loans will be paid off in full on my current plan by XX/XX/XXXX which is XXXX years after I started repayment, and there is no way they will be. I have been paying what seems to be nothing but interest as my principle balance has not moved. I have called to confirm the XX/XX/XXXX payoff and they always say it is accurate. I feel like I am being scammed because I never see my principle balance drop. 

I got student loans in hopes of having a higher earning potential. I graduated in XX/XX/XXXX admidst the worst financial collapse certainly of my life time with very limited jobs. Came ou of college making XXXX a year with a XXXX monthly student loan payment. I currently make more but now with a wife and XXXX children work 60-70 hours a week just to pay the bills. I got student loans to get a better job and be able to live a great life, not cripple me with debt and have to struggle to get by and not even make a dent in the balance. 

I did n't qualify for any assistance or help because my parents made to Much money and they said my '' anticipated family giving '' did n't allow me to get any grants/assistance when in reality I paid every single penny of my college experience with no help from my parents. Now, almost 10 years post graduation I still owe almost XXXX just to navient ( and that 's not even considering the XXXX I owe XXXX for student loans ). Student loans are a scam and if I could do it all over I would have joined the military or learned a trade. 

This has been and will be the worst decision of my life. It has stalled everything. All the things I have ever wanted ( but a home, live debt free, have a comfortable life ) has all been stalled by this devastating debt that seemingly will never go away. 

WORST decision of my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my TransUnion credit report and noticed I have unauthorized inquires that I don't recognize. I submitted a dispute with TransUnion and received a response back and they haven't did any investigation into this matter. Per the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I have the right to challenge questionable information that I have found on my personal credit report. Also in my letter i sent to TransUnion I told them that I was invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information from the investigation of the inquires stated below : 1. The date you contacted the creditor 2. The contact information for the creditor XXXX. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 
I have not received any of these items requested from TransUnion. I have attached the response from TransUnion and there are not following the law and is reporting inaccurate information on my credit report. Furthermore, TransUnion violated the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). Again, TransUnion haven't sent me any supporting documents showing they did any investigations as I requested per the the Fair Credit Reporting Act Section 611. TransUnion has not provided me with that information that i requested

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: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I had XXXX different accounts with Bank of America ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Bank of America was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Bank of America directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The account was closed due to suspicious activity or fraud as they called it on XXXX XXXX so they held my money for 60 days so on XXXX XXXX they told me I would be issued a cashiers check but on XXXX XXXX I was told my money was sent back to the sender on XX/XX/2020 its just so many lies this bank keeps telling 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 2016-07-13
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
syndicated office systems also known as central financial control has placed a balance owed on my credit report in the amount of {$750.00}. i sent this agency XXXX notices requesting they validate the debt there claiming i owe. i have yet to received any such document per fdcpa section 623 if debt cant be validated they must remove this account

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 2017-03-30
Company: Navient Solutions, LLC.
State: VA
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 found out about a debt owed to XXXX XXXX and XXXX XXXX ( XXXX ) after it went to collections. XXXX had a last name that i had not used in over 20 years, and they claimed that they sent several letters to notify me of the debt. Unfortunately, not only did they have my wrong last name, they had my wrong address. The only way i found out about the debt was because of a drastic drop in my credit score, prompting me to review my credit report. The problem i have with this is, XXXX is the same organization that pays me monthly through the military, and sends me annual XXXX, so i do n't understand how they could not have my correct address to properly notify me of the debt. Now it has been turned over to 3rd party collections, and the fees alone are now more than {$1200.00}. I dont mind paying the debt that i owe, but i dont feel that i should pay {$1200.00} in fees if XXXX failed to confirm receipt of debt notice. I can prove i am in their system because they have been paying my paycheck monthly, for the 24 years that i have been serving in the military.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 opened an XXXX XXXX XXXX account through XXXX XXXX in XXXX 2016. Their practices seem to be highly unethical. For example, if the account is used for a restaurant or hotel or other service that submits for pre-authorization, XXXX puts through the final charge and also holds the original pre-authorization amount for 10 days. Effectively this is a duplicate charge to the account that renders what should be available funds as unavailable. I addition, XXXX does not accurately report account balances to the credit bureaus. I have both a XXXX & XXXX XXXX credit card that are handled by XXXX. I recently paid down my outstanding balances to improve my credit score as I intended to purchase a car that required a loan. In stead of my credit score improving, it actually decreased as XXXX failed to report the payments made to reduce my balance significantly and has n't done so to date. I also paid off the entire balance for the XXXX account only to be charged an additional {$15.00} interest charge after the fact. How is this legal? Following is their response to my quesry about the charge- Thank you for your recent inquiry to our Customer Care Department . XXXX XXXX XXXX issues your account and responds to all credit related inquiries. This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. I apologize for any confusion this has caused. On your previous statement, you were informed of an update to your Credit Card Agreement for your account. This notification was to inform you that beginning on your next statement, purchases made outside a Grace Period would be assessed trailing interest resulting in a finance charge after the balance is paid in full. A Grace Period is a period in time in which credit extended can be repaid without a finance charge being assessed. Interest is charged from the transaction date until the balance is paid in full. Since interest is calculating until the date the payment is received, you will receive a statement for the interest charged in the previous billing cycle. If you pay the trailing interest finance charge statement by the due date, you will not be assessed finance charges during that bill cycle the following month as long as no additional purchases are made. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team I appreciate your help, Sincerely 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 2021-01-05
Company: Volvo Car Financial Services U.S., LLC
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Leased a XXXX XXXX from Volvo Financial in XXXX. Set up autopay to pay the lease monthly. Without any alerts, Volvo 's autopay service failed. Received no emails or physical mail about delinquent payments, but Volvo reported a late payment to the credit bureaus on XX/XX/XXXX. Called to rectify, set up autopay. Called XX/XX/XXXX to ask for removal of credit demerit. Was told to call back today ( XX/XX/XXXX ) for credit search. The customer service representative told me that it was denied. Additionally, I logged into my account today and despite the autopay setup, says my account is 7 days delinquent. Again, I was not notified even when calling customer service. Clearly not interested in correct reporting or setting up autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. 
I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I 've tried contacting the lender to resolve the issue with no luck. I sent them a certified letter to dispute. They are not willing to work with me and sent me to collections. The balance is incorrect and payments incorrect. I would like this removed from my credit report. They are very hostile and I ca n't speak to people that treat me that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/2021, i sent SANTANDER CONSUMER USA a letter about the inaccurate information reporting on my credit report saying that i owe XXXX.I even sent them another letter asking for the validity of the debt on XX/XX/2021, in which i haven't received.I would like to resolved this matter and i have attached copies of the letters below as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account during a promotion where XXXX XXXX XXXX miles would be awarded if I did XXXX bill pay in two consecutive months and made {$1000.00} in debit card purchases with the Citi debit card within 60 days. I received confirmation over the phone with a Citigold representative when I met these requirements and was told to wait 90 days for the miles to post to my XXXX account. This bonus never posted, so I asked a Citigold representative to manually post this bonus to my account, but they now claim that I was not targeted for this promotion, even though I was confirmed when I first opened the account. Claiming that I first qualified for the account when I signed up and then later claiming that I was not qualified is not acceptable as a marketing practice.

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