BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.

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 2021-01-08
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi! I recently received my dayghters way2go card. I've been trying to activate it and its not working im not sure if its the security code or they messed up her birthday but I have been trying to figure this out for the passed week. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had an account with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This collection has been added to my account without my consent and without my knowledge.

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 2022-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
I have paid down all my credit cards as of XX/XX/2022 and I am not seeing any of this on my report My report is also showing I have late payments which I dont I have contacted Experian XXXX and XXXX I still have yet to see the changes made to my reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Nelnet, Inc.
State: DE
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'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
American Express is reporting a late account status for XXXX 2015. After disputing the results with XXXX, XXXX, and XXXX, they responded that the data was reported accurately. I called American Express and they agreed that the report should not be reported late and provided a confirmation number XXXX. I re-opened the dispute with the credit companies and again they came back and reported that American Express was still reporting the XXXX account as late even though it has already been indicated by american express that it wouldnt be reported late. I filed a consumer complaint with the NC DOJ, who opened an investigation into the account with XXXX. As of today, XXXX  is still noting the account as late for the XX/XX/2015 note.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
i have a 1st and 2nd mortgage on my home. I am trying to refy my 1st only to change it from an adjustable to a fix rate, nothing more not trying to get any money or anything out of it. they have sent a subordination to the 2nd as they are supposed to do to let them know what going on. I started this process in XXXX of 2016, I signed a paper and sent a letter stating what I was doing, they wanted a real signature so I got them a real signature then they wanted my address on the form so I did this then they wanted all this on another form so this was done. my 1st mortgage sent them all the paperwork and we have been waiting for months now to hear back from them they keep saying it is in review, meanwhile I keep getting extentions for a price lock on my first they have put several of these on and they do n't know how many more they will be able to use since they are limited. my mortgage is supposed to be going up in XXXX which is next week that why I had started this process well ahead of time my mortgage company said that this usually only takes a couple of weeks so why is it the 2nd has taken a few months which it should only take a week or so. I am at a loss here and am trying to get this all take care of I have talked to them but they are in no way any help at all they said they just received it on the XXXX, but when I spoke they admitted it was early XXXX. they said it takes 5 days then another 30 days the first cant wait that much longer and the 2nd said this is if it is approved why would n't they approve it nothing is going to change for them. I do n't know if you guys help out in this situation or it just a place to make a complaint, but if you can get them to expedite this it would be extremely helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: AL
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the fraud accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Company added a collection to my credit report. I did not receive a notice of debt. The company ( XXXX XXXX XXXX ) for the original debt is a company that I have not had any business with in over 10 years and I do not owe them. The company is using shady practices by placing the collection on my account without notice to drop my credit score in an attempt to receive payment for a 10 year old debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
XXXX/XXXX/15 I signed up for a XXXX Credit Tracker program to see my report and Fico credit score. 
I called them to verify cancellation and was told as long as I cancelled within XXXX day, there would be no additional charge. This is not true. They billed me XXXX on XXXX. I called today to discuss this and was told there was no refund and that i had only signed up for a XXXX day program. Had I not called to verify being able to cancel, I may agree. However, my biggest compliant is the actual package. Yes, I got a credit report but the " score '' was either not my FICO or was inaccurate. It gave me a number of XXXX. The same company gave XXXX XXXX XXXX. It gave XXXX XXXX XXXX and I could go on. Even for XXXX what did i pay for? Credit reports are to be free once a year. Disputes are also free to file. I have ever done anything else with them except that. Today I was told i had logged-in to look at the report. No, I open the consumer site looking for a phone number! There is misinformation, false advertising and possibly fraud here in what they say they offer. The supervisor told me to look at the page I logged on to for the disclaimer about the XXXX day trial. Even looking for it I could not find it. They have a mulch-colored box with all their services and packages and at the very top of the page on a grey background in grey type, it does mention the 7 day trial. This is done intentionally so that a consumer will over look it. There is no doubt about this. I want my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The ATM machine did not fully process my transaction. Its stuck in a processing your transaction mode. Been waiting for over 20 minutes. I can not get the machine to cancel or credit properly. My account I need help XXXX is not responsive. 
ATM ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX United States Amount : {$4300.00} Stuck processing transaction wait! 
Tried cancelling multiple times wont fix anything

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 2021-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased my home with a FHA mortgage from XXXX XXXX. It was a fixed rate 30 year loan. I was to be done with payments by XX/XX/XXXX. My loan has been sold at least two times since XX/XX/XXXX, once to I believe XXXX and then to Select Portfolio Services. I recently attempted to refinance my mortgage. I found out that the terms changed to something I believe the officer told me was a balloon payment that was a 46 year term. I never signed paper work to have the terms of my loan changed and I am concerned that I have been mislead in some way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Navient Solutions, LLC.
State: CA
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 attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
I CALLED AND EMAILED EXETER FINANCE ABOUT REPOSSESSING MY XXXX XXXX XXXX. THEY WAS SUPPOSED TO PICK IT UP SEVERAL MONTHS AGO AND NEVER DID. I DIDN'T RECEIVE ANY NOTIFICATION, MAIL OR EMAIL. NOW MY LICENSE IS SUSPENDED DUE TO THEM NOT GETTING BACK IN TOUCH WITH ME IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: ABR Recovery Services LLC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Abr recovery services has put me back on the collection credit report after being taking off about 6 months ago, I have sent this company letters and faxs over and over again a person by the name of XXXX stated about 6 months he would remove it from collection which he did now it is back in collections he is asking for more paperwork which was sent to this company a number of time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a TD Beyond Checking account on XX/XX/XXXX, in conjunction with the terms of the attached offer. The relevant details on the offer are as follows : CHECKING OFFER is available to new personal checking customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. I did have a previous TD checking account in XXXX, well outside of the requirements for this offer. The previous account was closed XX/XX/XXXX. 

I met the required criteria on XX/XX/XXXX of {$2500.00} in employer or government direct deposit ( within 60 days ). Bonus should have been paid at least 140 days after account opening ( XX/XX/XXXX ). 

I confirmed I met the requirements by phone on XX/XX/XXXX with a rep named XXXX. On XX/XX/XXXX, I called again, and was told I should still be eligible, and that the promotions team will respond within 2 days. I did not received a response. On XX/XX/XXXX, I called again, and was told I was ineligible because of the previous XXXX checking account, regardless of what the terms say. I spoke with XXXX and XXXX - both very helpful. XXXX even waived 3 of my $ XXXX monthly fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank has decided to terminate my account for either no reason or a reason they can not provide. This happened on XX/XX/2022 and they should be closing my account on XX/XX/2022. I have tried figuring out the reason as to why, but they have said that they can not give me the reason. I need to know why they would close my account and find a possible way to prevent this as Ive been with chase for many years. I was never even notified by text, email, or phone. I only figured out why through another family member informing me that their account was being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires

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 2020-03-16
Company: AVANTE
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: UT
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:
There is a fraudulent name on my credit reports. My name is not nor has it ever been XXXX XXXX. This may explain high number if credit inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BARCLAYS BANK DELAWARE
State: DE
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'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

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 2021-01-08
Company: CrossCountry Mortgage LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage with Cross Country Mortgage was in forbearance because of the pandemic. I requested a deferral back on XX/XX/XXXX. During the pandemic, XXXX XXXX and XXXX XXXX started a program that all " XXXX and XXXX '' mortgages that were in forbearance can be changed into a Deferral Program when the situation changes and we were able to resume normal payments but not bring the loan current ( not pay missed payments ). This program is supposed to be automatic with no waiting period. I am still waiting on XX/XX/XXXX. I can not access my account online to make a payment. I have to call and then I am charged an additional {$11.00} because I am paying over the phone. 

My husband and I have four other properties with four different mortgage companies and all I had to do was make a phone call and our loans were automatically deferred. 

Waiting two months to have this done is ridiculous. Every time I call them they tell me its in process. This is not supposed to be a process, its supposed to be automatic.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation