BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: TX
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: Received unwanted marketing or advertising

Complaint:
I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have beeXXXX XXXX  XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: ALLY FINANCIAL INC.
State: GA
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 have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ALLY FINANCIAL with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part.

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 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Capital One Employee ID 'S # XXXX and XXXXXXXX employee  # XXXX both are violating the FCRA buy their lack of ability to post a full payoff upon receipt of the funds. I was advised that Capital One can take up to XXXX days to receive a payment ( it already cleared my bank days ago ), that has been sent regular mail, and that they will hold that payment an additional 5 days before posting. So essentially the additional 5 days will cost additional interest and potential late charges making the payoff amount invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: PA
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 submitted a complaint on XX/XX/2022 to Equifax about a medical debt on my credit report that they are in violation of PA Statute Section 7311 Title 18 Unfair or deceptive collection methods. The debt collector is charging interest and fees on a medical debt and they can't do that. The original debt is for {$160.00} and it is now up to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I transferred XXXX $ from cash app to my debit card ending in XXXX at XXXX a.m. yesterday morning along with XXXX other transfers to the same debit card XXXX minute after the first was initiated the receiving Bank my debit card company XXXX stated the {$500.00} transaction was rejected cash app is telling me that it wasn't neither one of them will contact each other so my money just vanished and no one will take responsibility on where my money is and give me my money back so now I'm out {$500.00} neither company will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Bank of America and I asked to put a stop on the purchase. Bank of America stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Bank of America and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Bank of America stating that they had ruled in his favor. I called Bank Of America and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Bank Of America sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Bank Of America on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.

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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2020-08-12
Company: INTERCONTINENTAL CAPITAL GROUP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
Intercnontinental Capital Group, XXXX. 

Is sending out letters to VA home loan owners, offering them a {$100.00} gift card to refinance their home. The Letter does not indicate that anything is required to activate the card other other than to call them. Once you call, if you are not willing to complete the refinance questions they will not activate your card and just hang up on you. 

This is false advertising and misleading, specifically targeting veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was sued by Providian National. I do not know when. I talked to XXXX about this, they collected the debt. Providian says we opened a account in XX/XX/XXXX. We were in a repayment bankruptcy. We do not use credit cards. They said they tried to notify us but they were always behind on the address, although I was employed and the address was available. The case number is XXXX. Social is XXXX. They got a judgement for {$2400.00}. We did not know until they garnished his paycheck in XX/XX/XXXX. I do not believe I owed them anything and if I did, why would they wait ten years to collect. Just so the interest was XXXX XXXX dollars higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 had a freeze on my credit and am still getting notifications of my credit being pulled for different companies and offers. I have tried to get inaccurate information removed to no avail. I have tried to get all inaccurate data removed from the bureaus such as negative items and all previous debt that has been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I used PayPal credit for a purchase and despite paying the amount borrowed in full before the end of the XXXX grace period, they charged and are continuing to charge me interest and other trumped up fees. Ive reached out to them via phone to explain the charges but they give convoluted, contradictory explanations and ultimately refused to cancel the charges knowing the debt was fully repaid

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 2020-08-12
Company: Credit Card Receivables Fund Incorporated
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to XXXX XXXX XXXX who represent Unifund CCR, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked XXXX XXXX XXXX to show me the form where i signed for this account. Nothing was produced. If i understood XXXX XXXX XXXX they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX. the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt XXXX XXXX XXXX or Unifund had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from Unifund it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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:
In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Experian, XXXX and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
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:
In response to complaint numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, Transunion and XXXX stated they would take " 60 days '' to respond to my complaints. This is unacceptable and illegal. The law allows 30 days to investigate my complaints and requests regarding my personal credit report. I am demanding the immediate removal of the tradelines or I will take legal action.

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 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
A friend made a deposit to my Bank of America account through his XXXX bank mobile app for the amount of XXXX dollars on XXXX XXXX. The money was supposed to be on my account in less than 6 business days. We contacted both banks and they could not track the money because it already had left their system. After a week of phone calls we both went to XXXX bank and Bank of America to speak to the managers. The Branch manager at XXXX said the money had already left their system and that his " theory '' is that Bank of America accidentally put the money on a different account. The relationships manager at Bank of America said that the money never reach my account and they can not track it. I got a confirmation message on the day the transfer was made to me and my friend got a confirmation email as well. We emailed XXXX managers saying that if the money did not appear on either of our accounts by XXXX XXXX, 2016, we were going to file a complaint but neither of the managers reply or try to contact us to solve the problem. We then call the managers at XXXX banks and they basically said that they do n't know where the money is and they do n't think is their responsibility to solve the problem and pay my account or refund my friend 's 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 2016-07-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage has been carrying my loan with a missed payment from XXXX XXXX. I did miss a payment, but I made the payment on XXXX/XXXX/XXXX when I realized a payment was missing. I had no knowledge because I was in bankruptcy. I called numerous times to inquire which payment was missed. Finally, after speaking to various customer service representatives, I was told it was the XXXX XXXX payment. I then submitted a letter with copies of all the cancelled checks with an explanation as to what month it covered. As you can see check # XXXX sent on XXXX/XXXX/XXXX was for the missed XXXX XXXX payment. I even wrote it on the check. Chase did n't apply the payment even thou they sent me a letter stating the payment was applied to XXXX XXXX payment. Please note that on XXXX XXXX, XXXX, I sent in a payment, check # XXXX, for the XXXX payment. Chase refuses to bring my account current and to reverse all late payment fees and to rectify my current standing with the credit bureaus. Also please note that Chase sent me an escrow refund check for {$400.00}. Chase informed me that I mailed in a payment of {$1700.00} which was the payment due in XXXX. In XXXX the payment was {$2100.00}. Now according to their letter dated XXXX XXXX, XXXX, they were unable to backdate my XXXX XXXX payment. If this is the case, ( and I do n't agree with this ) I should only owe them {$410.00} which is the difference between my XXXX XXXX payment of {$1700.00} and my XXXX/XXXX/XXXX payment of {$2100.00}. Yet they sent me back a refund check from escrow for {$400.00}. Chase continues to harass me for {$1900.00} which includes late fees for {$240.00}. How is it possible that I made the missing payment and I still owe them {$1900.00}. Their explanation clearly shows that they took my payment and diverted the funds to somewhere. I want Chase to be held accountable for my payment made in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Navy Federal Credit Union on my consumer credit reports, as a charge off inquiry. Navy Federal cant report something as both income and debt. 
Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Navy Federal must fill a form 1099-C ( please provide me with a copy ).

Navy Federal Credit Union has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These addresses are not valid for me. 

XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX, MD 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 2016-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I charged the wrong item on a sears website by mistake and I called bank American the next day and told them. XXXX had no way to cancel the charge and they did not respond by email until 4 days later. XXXX told me that the charge would be refunded and they sent XXXX out to pick the item up but for some reason bank America will not remove the charge of {$41.00} from my account. I called Friday XXXX XXXX and a lady answered the phone and left me on hold for XXXX MIN. But as of today bank America refuse to remove the charge. I have called bank America many time about this issue.. XXXX were able to get the Money in a New York second but now four weeks later no one has refunded my money.

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 2016-10-21
Company: Netspend Corporation
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have prepaid visa card Netspend account. I 've had this account over a year with no issues. I get my paycheck direct deposited to it.within 2 hours of the last direct deposit there was a {$300.00} physical atm withdrawal taken from my account in a location very far from me. and another transaction in the same amount in what appears to be XXXX. I filed a dispute claim right away and was told their investigation would take 10 days. it has now been ten days. I contacted them and was told I would get an update in 3 days. they still have not credited my account and I am acquiring late fees and facing shut off notices. this was XXXX of my paycheck and I am at a loss with no money to survive on and no information that this is getting resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account XXXX  XXXX XXXX  violated my rights. 
15 U.S.C 1681 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 a 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 non-monetary relief