BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check of {$2200.00} from a client as part of a tutoring program. I was originally meant to receive {$800.00} and the client client mentioned that he accidentally sent too much money Hi transferred the majority of the money back to the client. The check then bounced, so I lost {$2200.00} in a scam. I contacted my bank about it and they are unable to help. I have already contacted the local police about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: TX
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Other fee

Complaint:
In XXXX my Bank of America credit card was assessed an annual fee of XXXX dollars even though I had been a credit card customer in PERFECT STANDING since XXXX never having missed a payment nor ever being late on a payment. 
Bank of America has targeted a small group of their credit card holders and punished them with annual fees even if they have never been late on a payment. The only choice they gave me was to either cancel my card or accept the annual penalty, in either scenario my credit rating would have been harmed even though I was never late on a payment. This seems unethical to me since I never did anything wrong with their credit card. I recently asked them to stop charging the annual XXXX dollar fee and they refused. Bank of America has come up with a sinister method for raising the annual interest rate on their credit cards by imposing a XXXX dollar annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Kentucky Higher Education Assistance Authority
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit is being ruined by a collection agency which I have no knowledge of or an account with yet they are being allowed to take fraudulent activity and have sent no verification of proof of the debt like I asked

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Company : Transunion I have attempted to cancel my subscription with them for many months. First, I tried to call and was placed on hold. Then when an operator picked up my call, I told them I wanted to cancel and they disconnected. 

Then I tried to use their online form at this link : https : XXXX When I logged in, the page doesn't advance - it keeps looping. 

Then I sent a message on XX/XX/2021 through their site to keep from being charged in XXXX. They said they would send a confirmation to my email. It never happened and they charged me again today. 

They have intentionally made it difficult if not IMPOSSIBLE to cancel the subscription and have been taking {$26.00} out of my account for months. 

I had to cancel my debit card today to change the number just to keep them from charging me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: Resurgent Capital Services L.P.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have XXXX collections on my credit report that have been added by companies that I have never had an account with. One is XXXX XXXX and the other Is called LNLV Funding. I have never opened an account with either go these institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Both balances were paid at the same time in one full payment to XXXX at the XXXX Business office on XXXX XXXX XXXX, in XXXX 2013 the balances of XXXX and XXXX. I have called the XXXX office with no help. I have spokes to XXXX at the XXXX office twice. I can not pay this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: NC
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 tried to login to my account online as i normally do, but it was locked for some reason, and I was informed from the page to call a number to speak with a rep. I did. Multiple times. When i say multiple, I don't mean 5 or 6 times .... I would say an amount that would be looked upon as an exaggeration. Each experience would lead me to being transfererred 5 or more times and finally get someone in the Eastern hemisphere talking to me on their cell phone in a bathroom. After a couple of days of trying, finally I was able to get through to a rep to just pay off the balance and have a new card mailed to me. At this point ( XX/XX/01 ) I have a XXXX balance. 2 weeks later they reduce my spending limit. This causes my credit score to drop from XXXX to XXXX. Yesterday I receive a letter in the US mail from Chase saying I owe XXXX dollars and to call a number. I did. 3 times only to have the phone tree hang up on me. I called the number on their site to make sure I wasn't falling prey to a phishing scam, and sure enough I was told I owe XXXX dollars and then transferred. I ask the nice XXXX XXXX man on his cell phone in his bathroom, how can this be? My new credit card is in my office desk and not even activated. He tells me sometimes they are sent to customers preactivated ...??? Not sure what that means. Now at this point I just want to be done and pay the so-called balance so its done. I'm refinancing my home and I am afraid this mess is going to have an adverse effect on me. I can't even call and get this bogus charge paid. Can you help? There isn't a branch near me so I can't walk in either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Santander customer and XXXX XXXX XXXX which is the same debt!! However Santander Consumer was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that Santander consumer had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to XXXX XXXX XXXX and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that Santander must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-05-01
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-14
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company change the apr and monthly payment and did not send any notification of the changes to my address, their customer service department, has People who are not even qualified to answer questions they give you wrong information over the phone then they expect you to tolerate their inconsistent behavior and lack of knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-11-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates , LLC has been attempting to collect an unknown debt from me in the name of a XXXX XXXXXXXX XXXX  I disputed the debt with XXXX and the debt was appropriately removed from my XXXX account but still remains active on my XXXX and XXXX account. Portfolio Recovery is not currently licensed in XXXX to operate which makes them in violation of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
So I was approved for a loan through TIDEWATER FINANCIAL ON XX/XX/2016. However, my monthly payments per contract is due the XXXX of each month. I made the payments on time which was 45 days after I got the vehicle. However, in XXXX, I fell ill and a payment was not made. When I learned of this I immediately made a payment. I had been in communication with TIDEWATER, letting them when a payment would be made. I 've been making my payments on time and they have reported my payment 90 days past due. TIDEWATER took upon themselves to change my due date without my consent, written documentation. I have my bank statement and/or money order receipts as proof that my payments are made 10 or more days in advance. I have wrote letters, emails, text messaging requesting that my due date be changed back to its original date. TIDEWATER IS REFUSING TO DO SO AND KEEP RUINING MY CREDIT with false/wrong/fraudlent information. I spoke with TIDEWATER ON XX/XX/2016 trying to recify this but they refuse to clean my file up. I have disputed this with the credit bureaus and nothing is being done. Also, per TIDEWATER representative that all my payments went to interest. How is that possible, who has {$530.00} in interest each month? There is clearly some fraudlent activity going on here and this needs to be investigated ASAP. I 'm more than willing to send a copy of my loan contract to you to back up my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Media Collections, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX of Joseph, Mann and Creed was verbally notified of a debt owed to XXXX being paid and then the proof was faxed to him. He has failed to respond and failed to up the issue with XXXX and reverse the rental suspension on my account with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My savings account was involved in a Wire Fraud amounting to {$4900.00}. I contacted Citibanks branch office in person to alert them of the situation. They told me they will investigate and return my money back in 90 days. I patiently waited even though I never heard back from them. Upon the 90 days period ( XX/XX/XXXX ) I went into the branch and I was told they have no money for me. I either get a lawyer or forfeit my money. I closed my accounts right away. My own bank meant to protect my lifes saving showed no form of responsibility and totally is trying to take advantage. I am on the verge of homelessness because of 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 2017-02-03
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My private student loans were charged off and turned over to a collection agency sometimes in late XX/XX/XXXX I believe, though overall I 'm unsure as I do n't recall receiving the initial formal notice. I filed for Bankruptcy in XX/XX/XXXX, and began making payments in an attempt to repair my credit in XX/XX/XXXX. I have been making regular, on-time payments since and entered a formal payment agreement with reduced interest rate as of XX/XX/XXXX as well. Since, the collection agency has continued to be irresponsible in their collections practices, forgetting to contact me to initiate reauthorization of payment arrangements and more recently sending notice of intention to pursue debt, for which I am already paying as agreed. 
Further, the originating debtor reports my account as " closed '', though continues to report my account as a " charge off '' each and every month to the credit bureau, continuing to damage my credit each month despite this already being turned over to collections and me paying on it each month as per a formal/written agreement. I have attempted to contact the original debtor to address my concerns with their collection agency and get some guidance as to options available and potential rehabilitation and reassuming my debt, though have been unsuccessful in reaching anyone as each time I am redirected to the collection agency through the phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was told of debt not owed that I do not owe Midland Credit Management has bee using illegal tactics to file lawsuits against identity theft consumers there was no affiliation with these people what so ever past or present they have lied about debts not owed to them there are several lawsuits against Midland Credit Management for their illegal tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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:
I have submitted disputes to Equifax, who does not actually investigate my disputes. I know this is a clear violation of the FCRA. The inaccurate entries on my credit report have remained, having a detrimental effect on my ability to obtain credit. I have called to inquire as to why the investigation has taken significantly longer than 60 days ; however, I am transferred multiple times, and eventually disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
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: Information belongs to someone else

Complaint:
EXPERIAN XXXX. with intent shared private and protected information about cosumer information that EXPERIAN XXXX. is aware of that via FEDERAL LAW EXPERIAN HAD BEEN TOLD BY THE CREATION OF 15 U.S.C. 1681 AS WELL ASSTATE LAW OF DECEPTIVE TRADE P RATICES AS WELL AS A MEDICAL IDENTITY FRAUD CONCLUDED THAT THE COMPANY MERCHANTS & PROFESSIONAL COLLECTION BUREAU , INC. HAD BEEN FOUND USING DECEPTIVE TRADE PRACTICES, AND YET CONTINUED TO PROMOTE THEIR FRAUDULENT TACTICS TO VIOLATE THE CONSUMER 'S RIGHTS TO DEFAME THE CONSUMER & PROMOTE THEIR TYRANNY WITHOUT PROPER ACCURACY AND DELETING THE ACCOUNT TO LIVE OF TO PROMISE OF GUARANTEED " MAXIMUM ACCURACY POSSIBLE. '' XX/XX/2022 - ISSUED. STATEMENT OF COMPANY RESPONSE AS TO THE DECEPTIVE AND FRAUDLENT ACTIONS TAKEN AGAINST THE CONSUMER PROTECTED BY FEDERAL LAWS CREATED TO PROTECT XXXX CONSUMERS FROM DECEPTIVE TRADE PRACTICES SUCH AS FRAUDULENTLY TELLING THE CONSUMER THAT THEY WERE ATTORNEYS, VIOATIONS OF THE " NO SURPRIZE ACT '' CREATED & SIGNED XX/XX/2022. THE COMPANY KNOWN AS " XXXX '' ALSO STATED THAT THEY DO NOT COLLECT DEBTS. '' AS STATED ON ORIGINAL LETTERHEAD. THE COMPANY HAD NO CONTRACT AS VALIDATION WITH A " WET SIGNATURE. 
" COMPANY RESPONSE STATED- Company 's Response The account has been returned to XXXX XXXX  XXXX XXXX and our reporting of the account is in the process of being removed from the three credit bureau files. Please allow 5 to 7 days for process to be complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing date.

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