BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-02
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XXXX XXXX XXXX I purchased 3 US Bank visa gift cards on XX/XX/XXXX for {$500.00} each. 
Upon opening the packaging, I noticed these US Bank gifts cards were tampered with. I tried spending them in store, but the magnetic strips were defaced with glue. I called in to the number of the back of the card to inform US Bank to close the cards down and send me replacements. 



I was assured this would happen. It did not. Replacement cards were eventually sent to me, but a hold was never placed on the original cards. They were used fraudulently the very next day ( XX/XX/XXXX ) and a week later, I received cards worth a few cents instead of the {$1500.00} I had loaded on each one. 



It is now almost a month later and there is no sign of resolution. 

I am staying at my address of XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX until the XX/XX/XXXX. Please ensure that if resolution is sent via mail, it arrives before then. I would also accept the full {$500.00} being transferred into the replacement cards I was sent. 



Thank you.

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 2017-09-06
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/XXXX I disputed the following items on my Credit report and the bureau was not able to verify them but did not provide any information that supported these accounts were accurate or belonged to me as requested. I would like them removed from my credit report. 


XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened XXXX ). 
XXXX XXXX credit record ( # XXXX, opened 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 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
1 ) Bank of America hung up on me two times when I tried to close my credit card account.

2 ) I have a $ XXXX credit due a refund for mattress purchase on my account after the account closure that they make difficult to request. I have been waiting on hold for 4 HOURS on the line for a customer service agent, waiting for anyone to pick up the line. I'm willing to bet that, should I let the call continue, l will progress through the night on hold. Strangely, I can't email them to request a refund, leaving me only with snail mail as an option for a refund. 

A process for a refund for my closed account credit is absent, after several searches.

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 2018-06-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
i had XXXX reward credit card from chase. a month ago chase offer me a upgradede link to upgrade to new XXXX plus credit card.before i upgrade my XXXX card i read the term said chase going to credit me XXXX dollar to my account but today i call chase told they only credit XXXX from XXXX fee from old card that i didnt use and they going to charge me XXXX soon .so i am paying XXXX and XXXX XXXX for my card old card fee is XXXX new card fee is XXXX even the difference is XXXX dollars i feel chase is actully charge 2 time the fee. i feel chase doing something totally different from what i read before upgrade.i feel so disappointed for that i hope can check the link i used for upgrade

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize nor did I authorize the following inquiries to be made : Usaa Fsb Cc XX/XX/XXXX Usaa Fsb Cc XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: National Credit Systems,Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Credit Systems Have used illegal practices, also this account was removed from My XXXX, XXXX, and XXXX reports then pops back up. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been trying to login and pay my bill for months. They never sent me a plastic card said it was virtual that i didnt need it. Can not logon bc i dont have the card number. No one answers any if their phones. I have tried all the numbers i can find and it always says to call back later or picks up and nothing happens. Can not access my statement, account or anything else. Think fraud is happening, but can not see my balance to see whats due, login in website, or contact anyone by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Today XX/XX/2017, I received a call from a Capital One fraud investigator by the name of XXXX about a fraud claim that I filed months ago. He told me that an authorized user had made purchases on my account that the authorized user stated to me that they did not make. He told me that they initially help the merchant liable and that the merchant and disputed the claim. I was in a rush and I was not able to speak to him at the moment. He gave me his phone number to get in contact with him. I tried calling but have yet to hear back from him. Without giving me any details or discussing the real issue he told me that the charges will be back on my card. Those charges are not mine and that this investigator poorly handled my case and is not doing a thorough investigation but is merely trying to get my paperwork of his desk in favor of his superiors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Opportunity Financial, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
This company wanted my bank acct. Info before loan amount or fees were discussed. They stated they were in good standing with the XXXX. Ok i put in my bank info.They approved me for XXXX. The last step said they needed to verify my bank account. They wanted my online banking login info. To make things worse the terms and conditions state all submitted info is property of opp loans.That is a huge red flag and they have my bank info now. There are ways to verify correct bank info. This should be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: Experian Information Solutions Inc.
State: GA
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 have a loan with XXXX. 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, Experian, XXXX and XXXX with no successful resolution. XXXX, Experian and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and 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
Consumer complaint received 2018-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I went to make a deposit with Bank of America on XX/XX/XXXX. I initially wanted to deposit 11 - {$100.00} bills, 40 - {$20.00} bills, 1 - {$10.00} bill and a {$300.00} check. When I reached the counter I remembered that I had an additional {$200.00} that I wanted to add to the {$2200.00} that I had already written on the slip. I handed the two {$100.00} bills to the teller without realizing in the moment that I needed to adjust the amount I had written on the slip. The teller didnt adjust the total amount either.

The following Tuesday, XX/XX/XXXX, I made a call to Bank of America customer service. I was told that they would open a claim and that I would be contacted within five days with a solution.

I didnt receive a call, so on XX/XX/XXXX I had my daughter call them as my English is limited. Through her conversation I learned that there in fact was no claim that was filed and I needed to go into the branch to resolve this issue. 

On XX/XX/XXXX I went into the same branch with my daughter and spoke with the branch manager. She checked the tellers and the banks records that day and said that there was nothing off about their records for that day and that theres nothing that they can further do.

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 2017-09-06
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXXl XXXX. 
opened XX/XX/XXXX I had XXXX 3 weeks after transferring jobs. my previous employment I had insurance, and did n't receive insurance for 90 days at the new job. I was eligible for XXXX insurance but they did give it to me. 

XXXX XXXXs XXXX XXXX opened XX/XX/XXXX I gave them my proof of insurance but they did except it..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had an on going problem with 5th 3rd Bank for 2 years now. I would receive notification that I missed a payment, which I had paid. I would take copies of my canceled checks to the local branch and they would compare my records with account. They told me on five different occasions that for some reason my payments would go into an account and placed on hold and not being applied to my mortgage. On the previous five occasions they would figure it out and within a month or two we would have to go through the process again. 

On Tuesday XX/XX/XXXX I had an appointment at XXXX XXXX XXXX in XXXX  XXXX Indiana with XXXX XXXX, because my payments were not being applied to my loan again. XXXX compared our records and stated he didn't understand why it was showing a non payment as he was looking at my canceled checks. She stated I needed to talk to his supervisor XXXX XXXX because he did not know how to fix it. XXXX was not in the office that day so I had to make another appointment for XX/XX/XXXX. 

XXXX got extremely aggravated when speaking to me and started belittling me. She stated my account was a mess and I'm missing payments. Her and I got into a verbal argument over this situation. I explained to her that this is ongoing and I didn't need to be talked down to, that I am the one leaving work early and wasting my time to resolve the problem. I made a complaint with 5th 3rd Bank due to her lack of professionalism. 

On Thursday XX/XX/XXXX XXXX XXXX contacted me and began to assist me in this matter. XXXX said I was missing three payments between XX/XX/XXXX and XX/XX/XXXX. I provided her with canceled checks from XX/XX/XXXX to XX/XX/XXXX and every month was accounted for. For unknown reasons XXXX quit contacting me and her voice mail stated she was out of the office. 

Around XX/XX/XXXX XXXX XXXX contacted me and stated she would be handling my case. She stated I didn't pay two month in XXXX ( which were different than XXXX stated ). I provided her with the same canceled checks showing my mortgage was paid. XXXX stated she spoke to her supervisor ( unknown name ) and they were turning my case over to the Mortgage Research Department. 

I have contacted XXXX several times since XXXX of XXXX trying to fine out the status on my account and she says it out of her hands. She stated they will contact me with information when it's available. The only number she provided me was an XXXX number that is nothing but a customer service number and I got to repeat this whole thing. 

My monthly statements are showing me 30 days late ever month with late fees. My credit is receiving negative marks for being late every month and I can not get anyone to help me. They all act like they want to help until I provided proof of payments for every month they request. Please help me resolve this, eliminate my late fees and fix my credit. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I requested an investigation into some items on my credit report that did not look accurate. At that time I requested the method of verification used to determine these account were accurate. I waited the 30 days, but did not receive the documents as requested. I did receive a notification that some items had been verified, but was not provided the details or the documents used to verify. 

I requested a re-investigation on XX/XX/2022, and I received the same results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Instead of putting extra money I pay each month towards my principle to lower my loan they continue to add it to a future payment. When I called, the service center is outsourced, specialist said to the let the loan ride a few months without payment ( even though I pointed out that would mean Navient is still collecting interest those months ). Asked to speak to a supervisor and she told me the same thing, said she could n't help because I had impeccable payment history. Requested through XXXX messaging and email a phone number for someone I can speak to regarding fixing my loan payments, and get referred to the outsourced number and now being completely ignored. 

What I am trying to do is send all extra funds to principle instead of future payments, I do not want to pay ahead ( advance payment counter ). I would like them to go back and reapply all extra that I have paid the last six plus years to the principle. This can be done, multiple former employees said if I ask it can be done and that Navient counts on people to pay the loan ahead to keep interest building. I would like this corrected for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all. 

also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Big Picture Loans, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got a loan from Big Picture Loans for {$700.00} XX/XX/XXXX. I paid the complete principal back to them plus about an additional {$300.00} in interest by early XX/XX/XXXX. This company is a complete scam. I sent them a letter to stop taking money out of my account and also stopped payment at my bank on any ACH withdrawals. 

I could not keep up with the {$190.00} payment taken out twice per month which they would have continued until XX/XX/XXXX if I had not done something. 

They keep calling me almost daily. I am afraid they will sue me. I have no further funds available to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello, mountain run solutions collection agency out of Oregon is reporting a debt that was released in XXXX XXXX  of federal bankruptcy in XX/XX/XXXX. They were at that time, notified included on the bankruptcy, and now they are reporting it to XXXX as a collection. I called them twice this morning to try and resolve this, and A ) they kept talking over me And belittling me with lines such as if you paid your debt you wouldnt be in this mess. B ) would not tell me the amount of the debt when asked, and C ). they kept hanging up. The debt is a 10-year-old debt for {$110.00} that was owed to an alarm company, who went bankrupt and went out of business ordered by the court, and was impossible to reach to pay the debt in XXXX to XXXX. They were then bought by XXXX and now moved over to XXXX XXXX, I went to great lengths this morning by contacting XXXX security billing, and attempting to contact XXXXXXXX XXXX to no avail. Its not about not paying the bill, its about this particular collection agency reporting it after it has been dismissed And not complying with federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: NV
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX   XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV 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 explanation
Consumer complaint received 2017-09-06
Company: CORELOGIC INC
State: AR
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:
Safe Rent is showing an account for a company known as, " XXXX XXXX XXXX, '' as open and not paid from 2007. The account is closed and is past the statute of limitations and should no longer be reported on any credit report. When trying to rent an apartment, XXXX is attempting to in sense force me to pay them the money from this old debt and because its past the statute of limitations and can not legally sue me for the amount or report in on my XXXX, XXXX, or XXXX reports is using their knowledge of my desire for the new rental apartment to pay them on this old and void collection to pay. Because the apartment complex has to hear form XXXX XXXX that the amount of, {$1800.00} is paid or no longer void will not rent to me. XXXX XXXX knows the amount in question is pass the statute of limitations and attempting to collect on this old collection by not reporting updated information to the, Safe Rent collection bureau or the desired rental i 'm attempting to do business with now is nothing short of blackmail ....

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