BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Chase is currently reporting a charge off credit card on my credit report that I paid off years ago. I have disputed this account with the credit bureaus and with Chase directly and it still has n't been removed. I will attached proof that I paid the collection agency for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
At finally, I required to file extra-charging complaints against Bank of America that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Bank of America had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Bank of America did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Bank of America without person will take care of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: AMERICAN EXPRESS COMPANY
State: OH
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 contacted by accompany called XXXX here is their website XXXX XXXX XXXX they told that they can fix my credit card interest and fix my credit credit also pay off all my credit cards balance. they sent me link to sign up with their services and got all my personal information bank logins and password, credit card logins. and in about 1 month I did not see no chance expect the closing of most of my accounts and debt my credit score is messed up because they stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: PINNACLE RECOVERY, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX 2017, I refiled a dispute with XXXX XXXX on a debt that a collection agency reported on my credit report. XXXX XXXX reply was that the debt was accurate, I sent to them documents that prove that I paid this account in full and nothing was farther owed on this account. The same collection agency had reported this debt on my wife credit report than removed it saying that they had been paid in full, this is not true because, me and my wife paid this collection agency nothing at all,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: LA
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:
The history of my loan going from here to there without my knowledge with numerous interest and added fees. Navient adding on Extensive extra charges Overcharging me and adding fees without any cause or prior notification to me. I also applied over a year ago for a program to help with some of these fees and expenses and never received anything back from Navient in regards to it yet I am still charged ridiculous amounts in interest rates and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-17
Company: AMERICAN EXPRESS COMPANY
State: SC
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:
Certified Mail # : XXXX XXXX AMERICAN EXPRESS has discriminated against me. According to the Federal Equal Credit Opportunity Act I am exercising in good faith my right to extend credit. AMERICAN EXPRESS has provided the reasons for discrimination against me which includes my credit score. Based on AMERICAN EXPRESS 's and the Consumer Reporting Agency policies my credit score is insufficient to deny my credit approval. Im extending my credit to AMERICAN EXPRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I contacted the customer service on the phone and branch to close my business checking account with Huntington as I move to different part of the state. I did that on XX/XX/2022. I was told the only way is to come into the branch. I am unable to travel for XXXXXXXX XXXX  just to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At approximately  XXXX   XXXX  on  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  contacted my cell phone and left a detailed message stating that they are legal notification and they would contact my supervisor.   " This is legal notification intended for  XXXX   XXXX . I 'm contacting you today in reference to your case through  XXXX   XXXX   XXXX . I 'd like to make you aware once your case is filed through the court it will become a matter of public record and there will be an order issued to have you located. Unfortunately, I was n't able to reach you by phone today and I have been instructed to contact your direct supervisor or human resource manager at your place of employment. you do have the right to contact the filing party prior to any further legal proceedings however once you 're located all legal rights to your case will be forfeited. That number to contact prior to your location is  XXXX  refer to file number  XXXX .  XXXX   XXXX , you have been legally notified. '' This message was left on my phone and also my mothers phone and my childrens phones as well.     I contacted the number and was ridiculed by staff member. They refused to remove the other phone numbers. Laughed at me for taking a payday loan. Proceeded to ask me ... just how old are you?   I indicated that I could start a payment in  XXXX    ( 30 days ) and was told that was too long.
I requested a letter be sent to my home but they would n't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been going through the hardship process with CITI for over 11 months. Every time I submit documents I receive an email telling me they have everything they need. After a few weeks I receive another email telling me they need more information. I have sent over 18 emails with documents. I have complied with their every request. This was after my original contact stopped communicating and they told me the file was closed. This entire process seems geared towards making me give up so they do not have to do anything. I have continued to make my payments and work hard to not fall behind. I have requested phone calls from management and still have not received any.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus XXXX, Transunion and XXXX in XXXX. After their investigation these items were removed from their reports. The creditors XXXX XXXX XXXX XXXX XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.

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 2020-01-03
Company: Auto Pro Title Pawn, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Payment wasnt due until XX/XX/XXXX they said they were refusing payment and would then pick my car up for being late and that the only choice I had was to payout the XXXX that they wouldnt accept any other payment. They also have charged multiple people with 25 percent interest for over 5 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Kikoff 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 information incorrect

Complaint:
I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I was in the hospital with XXXX XXXX issues with this to add to my XXXX I could not readd the bank account to pay. Emails went unanswered. is 2022 and my emails still haven't Here it is now 2022 and my emails still hasn't been answered. I now have a late payment on my account and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I previously filed a complaint with you regarding identity theft and information that was being reported by all three credit bureaus Equifax, XXXX and XXXX in XXXX. After their investigation these items were removed from their reports. The creditorXXXX XXXX XXXX XXXX  ( XXXX XXXX ) {$500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$100.00} XX/XX/XXXX have been resold to new debt collectors and placed back on my report again. I have recently sent letters to these creditors on XX/XX/XXXX, who have responded with excuses to delay the process of them removing these items from my reports and blocking them from further reporting. These letters included a copy of my Identity Theft Report from the FTC, The Furnisher 's Reporting Act 605B letter, account details of what was being reported and subsequent identifying documents. I should not have to keep sending them the same documentation year after year once we have already established these were a result of identity theft. Please help me in resolving these issues and correcting them once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Filed dispute on a fee for {$110.00} due to funds sent in error to an unknown source. I alerted NFCU of this error, and they opened up a dispute, however, denied because they said that the error was my fault. They also stated that they will not credit me back the lost funds and have never done so for any member ever. Is there a way to prove this is correct as I have mentioned this case to others and they have received a credit back. I have since closed my account with NFCU due to the lack of member support I received in the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank offered XXXX XXXX XXXX points for signing up for a Citigold Checking account if you meet the requirements of the promotion. I secured message Citibank with reference # XXXX in which they confirmed I completed the requirements for the promotion of XXXX on XXXX XXXX, 2016. They told me I would get my XXXX XXXX points within 90 days. After 90 days they told me they I dont qualify and there was no such thing. I have screenshots of our emails and the promotion email. I opened multiple investigations with them and each time they denied me, or strung me along with " give us 1-2 more business days. ''

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 2015-04-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Rec 'd email statement saying my account was 2 months overdo. This is the first email I ever received from this store - I always pay my bill on time, and never carry a finance charge. Paid my account in full that day. I have been a credit card holder since about XX/XX/XXXX. They have reported me to credit bureaus and basically are saying that I am lying - that they sent the previous statements by email and there is no way that there could have been a mistake. I have checked my entire email account - trash, spam and messages rec 'd and sent. Nowhere is there a record of them sending previous statements for that month - bill was for XX/XX/XXXX ( Amount {$150.00} ) Why is there no consideration for me - as a responsible credit card holder - why is it assumed that I am lying? I have cancelled my credit card with Bloomingdale 's but I would like to protest their unfairness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17
Company: Albert Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I have used the XXXX XXXX service 3 times. Well this time they took fees & money but now there saying they cant approve any more XXXX XXXX loans after Ive applied a subscription also. After analyzing the account all info is still the same none of my banking info or employment has changed its all the same. Shows data aggregator can not connect successfully. I contacted customer service twice after the 3rd business day still nothing had changed! Same error code. Ppl use these cash advances to get through paychecks or for emergencies. I cant understand why someone would not get the issue fixed. I have screenshots of whats showing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage recently sent me a document advising of my escrow shortage for the 2015 year. They advised me that if I do not pay the escrow shortage, that my monthly payment would increase from {$1100.00} to {$1200.00}. They advised that I could pay the escrow shortage, and that if I did, my monthly payment would be adjusted from {$1200.00} to {$1200.00}. 

I do not want my payment increasing above {$1100.00}. So I sent a payment of {$600.00} ( escrow shortage of {$330.00} + {$270.00} to cover the increase in my escrow payment ). However, when I called in, Citi refuses to adjust my payment back to {$1100.00}, stating that they can no longer advance the escrow EVEN IF IT IS AT THE BORROWER 'S REQUEST. That is ridiculous. If I cut a check for {$5000.00} to cover my entire upcoming year 's worth of taxes, Citi should n't be charging me ANYTHING for escrow. The purpose of escrow is to ensure that irresponsible borrower 's pay their taxes. I PAY MY TAXES!!! If I choose to put money into an account IN ADVANCE to pay my taxes, my monthly escrow payment should be adjusted accordingly to reflect the advance. AND I DO NOT CARE WHAT " CFPB GUIDELINES '' ARE IN PLACE FOR THE MORTGAGE INDUSTRY 'S ESCROW POLICIES ; I HAVE THE RIGHT AS THE CUSTOMER TO ADVANCE MY ESCROW SO THAT MY MPA FOR MY MORTGAGE DOES NOT INCREASE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX is reporting 30 days late payments on my credit report for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Federal law states that late payments can not be reported until at least 30 days past due date. I contacted XXXXXXXX XXXX to confirm full payments were made before the 30 days for each incorrect reporting, dates listed below. XXXXXXXX XXXX refused to correct this error. 

XX/XX/XXXX due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/XXXX XX/XX/XXXX - due XX/XX/XXXX - paid in full by XX/XX/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