BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-06
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am on automatic payment and every month my student loan is getting withdrawn by NAVIENT ( P.O. XXXX XXXX XXXX, PA XXXX, Tell : XXXX automatically. I keep getting letters of Payment Reminder stating this : the payment for the Navient student loan referenced above is at list 10 days past do. I am getting sick of receiving this EVERY month about my student loan! When I called and talk to the Navient customer ; service he was rude and they keep telling me OH we will fix that, BUT letters of harassments never STOP and I am SICK of it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Rewards

Complaint:
After accumlating more the XXXX points with Bank of America, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Bank of America at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Bank of America Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Bank of America would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-01-13
Company: Uplift, Inc
State: MD
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 my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Transaction issue

Complaint:
I inadvertently made XXXX {$100.00} payments to Capital One. They refunded the money into my checking account and then billed me {$500.00} on a different account. I have been trying to resolve this since XX/XX/XXXX. They take all my information and then do n't follow up. This is the information that is relevant : Case Number : XXXX The account in question is : XXXX XXXX XXXX XXXX. This account is closed. They have billed an account that ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: CO
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:
Equifax, XXXX  and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX  partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The complaint is with credit company XXXX  XXXX  and ginnys I was on a hardship payment program due to XXXX the acco3has been put on credit bureau as a charge off i notified the company just completed XXXX   XXXX and they said that the hardship had been cancelled if they needed to follow up with doctor they could have done so didn't receive any notifications that the hardship program stopped and notifications of a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a Bank of America XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a " high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Capital One credit card. I paid off my entire monthly balance prior to the due date, yet I was hit with an interest charge. The company said it was practice for interest to be charged unless the card balance was paid off for two consecutive months. It does n't seem appropriate to be charged interest on top of prior principal and interest after the card was paid off during the current cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: JPMORGAN CHASE & CO.
State: CA
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 convenience check

Complaint:
Chase Bank routinely charges a " credit balance refund '' to credit card accounts that, at the time of billing, have a negative balance, even when there are existing " pending '' charges on the account and/or the account is not being actively closed and therefore not expected to incur any further charges to the account. 

This " credit balance refund '' is charged as an interest bearing charge to the credit card account. Chase then sends a slowly delivered paper check to the customer via USPS in the mail for the " credit balance refund '' amount that will get to the customer whenever it gets to the customer, which, could take weeks (! ) in some cases. This time, they also sent an email that I could setup a new " Chase pay '' account and get the money electronically, but the " Chase pay '' site did not actually work and the technology did not allow me to actually create the required new " Chase pay '' account, leaving the USPS mailed paper check as my only option. ( note : I also called customer service and the customer service person said that there was nothing he could do other than send me to the technical support line to see if they could help me log into the " Chase Pay '' account. I ask for a supervisor, and the Supervisor said she would " reverse '' the charge, but I have yet to see the reversal on my account as of today. Also, this is not the first time this has happened, so it is not reasonable to have to call Chase, bypass a customer service agent to speak to a manager and get this manually reversed every time Chase decides they want to make this charge on my account. ) The reason Chase does this and the reason it is EXTREMELY PREDATORY is because Chase moves the cashflow burden from themselves, onto the consumer to now pay a charge that they would not have otherwise had to come up with cash for, but for the fact that Chase will not allow balances on a credit card to be negative, even when their is pending activity on the account and the account is not being closed. Chase shifts the burden to the customer to either come up with new cash to pay for the " credit balance refund '' charge with new cash or hope the paper check gets through USPS fast enough, gets deposited into a deposit account, then pays down the new credit card charge before the customers monthly billing cycle closes or the customer will incur new fees associated with a balance and charge that IS NOT FOR A REAL TRANSACTION. 

Chase shifting the burden to the consumer to pay charges and ultimately/potentially incur fees simply because " they don't like credit cards having a negative balance '' is extremely predatory and it perpetuates a cycle of cash strain and constraint on the consumer, ultimately forcing the consumer to rely on credit and incur fees given the cash strain..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX XXXX. I am doing this on my own behalf and really need someone to help me with 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 2021-01-14
Company: EQUIFAX, INC.
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 is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
I would like any and all fraud alerts or Credit Freezes removed from my credit report. I am having issues with my credit file reporting correctly. I have two XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX. I also have a XXXX XXXX accounts yet NONE are reporting and it is impacting my credit score. Not sure if there is an issue as to why its not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
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: Information belongs to someone else

Complaint:
XXXX XXXX response CFPB Case # XXXX is attached. Their response is incomplete, incorrect, and a misinterpretation in part. 
The purchases did not have my permission after cards were stolen. The fraudulent payments did not have my permission that then allowed the credit limit to be exceeded. This can be easily proven with the payment information that XXXX XXXX claims they no longer have access to.???? Unbelievable! Multiple and thousands of dollar fraudulent payments from a fraudulent account and not my account but XXXX XXXX claims to have done a thorough investigation. So yes, XXXX XXXX allowed the accounts to exceed the credit limit without my permission. 
If I had made any payments on the card after the card was stolen, it would appear and XXXX XXXX would be saying I accepted the debt. I was prevented from making payments ON THE AMOUNT I OWED because XXXX XXXX was disorganized by canceling the card, charging off the card, AND THEN COMPLETED THEIR INVESTIGATION AND REDUCED THE AMOUNTS DUE ONE YEAR LATER. So yes, I was prevented from making payments ON THE AMOUNT I OWED. XXXX XXXX should have immediately completed their investigation INCLUDING THE METHODS OF MULTIPLE SUCCESSIVE LARGE FRAULENT PAYMENTS MADE ON THE ACCOUNTS INSTEAD OF WAITING ONE YEAR LATER. XXXX  XXXX did damage by reporting me negatively to the credit reporting agencies going on 4 years while overlooking overlook their inadequacies. XXXX XXXX further exacerbated the problem by selling off the debt to a debt collector for pennies on the dollar who is now suing 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 explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
as previously notified, I am a victim of identity theft

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 2015-11-09
Company: Oxford Law, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have for the past 20 years or so been contacted by several different Collector Agencies ref another individual. Knowing these debts if any are sold to other agencies attempting to collect. It is beyond my comprehension how these agencies have associated my phone numbers with this individual. Since @ XX/XX/XXXX Collector Agencies have been in pursuit of XXXX XXXX XXXX. I do have knowledge of XXXX XXXX as he married my ex-wife. Other than this I know nothing more. How every phone number I have had ( XXXX ) through the years even when I lived in XXXX XXXX XXXX, these Collector Agencies have located my phone numbers convinced I was in frequent contact with XXXX XXXX. I had not heard from any Collector Agencies for several years until now, I received a call on XXXX XXXX, 2015, again looking fo XXXX XXXX. How they are still finding my phone number is a mystery. I did return the call to this so call Law Office suggesting they should cease and desist any more calls to my residence. This order by me met with ... .. '' WE WILL DO AS WE WISH '' even though I am not XXXX XXXX . The following is the information I have. I am hoping for resolution to this situation. OxFord Law Office. Contact : XXXX XXXX. Phone number XXXX. On my caller ID it appears the call originated from XXXX XXXX, number XXXX. 

Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
On XX/XX/2020 I received an alert from my Equifax XXXX XXXX XXXX subscription service that Equifax added a new address to my credit report. I immediately logged in to see the details and found the new address was incorrect. The INCORRECT address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The second line in the above address is completely incorrect and should be eliminated. 

The CORRECT address should be : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX I attempted to dispute the incorrect address and was guided to log in to a different Equifax account specifically for disputes. When logging in to that service, I forgot my passport. When attempting to reset the password, I told me to call Equifax at ( XXXX ) XXXX. I did call and was met by an extremely incompetent and useless Equifax overseas representative. The representative refused to accept my dispute. Further, she stated she would send me a password reset link, but she lied and never did that.

The representative also told me that it must have been one of the creditors that reported lately that gave the incorrect address. She gave me a list of the three recent tradeline updates. I checked all and they do have the correct address. In fact, I contacted every creditor I have and ALL have the correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: PNC Bank N.A.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car loan is with PNC Bank. My car was repossessed on XX/XX/2020. I was not home when it happened. The repo company came to where I was and repossessed my car. I had spoken to PNC Bank on Friday XX/XX/2020. The teller I spoke to recommended that I schedule a visit with a PNC advisor. I thought this was a good idea. My car was repossessed before I could meet with an advisor. I never received any official writing from PNC in the bank. I was not given a chance to get current, nor was I given any kind of notice about repossession, or the possibility of repossession. I feel that PNC Bank was being punitive in repossessing my car, because I mentioned that I was thinking of trading my car in so I could start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ERC
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: Information belongs to someone else

Complaint:
On XX/XX/2020, Enhanced Recovery Collections add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Enhanced Recovery Collections has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I opened an account with Discover within the last couple of weeks, but had issues using it online the entire time. I was able to make a small purchase online, but then when I was trying to make larger purchases  off XXXX and XXXX, both kept getting declined over and over despite my high credit limit and the purchases being nowhere near close to that limit. I called Discover on XX/XX/XXXX at XXXX XXXX to check and see what the issue was. I was told there was no issue with the card at all and it must be on the merchant end.

The morning of XX/XX/XXXX, I tried the same purchase again. This time, Discover set off NUMEROUS fraud alerts and began blowing up my email, texts, and my phone. One of the emails sent said that this was a fraud concern, but if I had already dealt with the issue, to disregard the message. Since I had literally spoken with them 14 hours before and I was currently at work in the middle of things, I assumed I did not need to call immediately. However, within the hour, I received a text message from my ex-husband saying Discover had called him looking for me. He has NEVER been on the account or associated with the account in any way
and Discover would NEVER have been given permission to contact him on my behalf under ANY circumstances. This was NOT a matter of me having defaulted on my bill for a year or something similar, which would be understandable. Rather, this was a matter I had ALREADY TRIED TO ADDRESS less than 24 hours prior and there was NO reason he should have ever been contacted about my account. When I contacted Discover, they said that they had found the number on my credit bureau report as a number I had been associated with historically. This number was NOT given to Discover by me in association with the
account at any point in time, and again, my ex-husband has NEVER had permission to have any sort of information given to him. Following this huge breach of privacy, I closed my discover account on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Exeter Finance Corp.
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:
My credit report shows a hard inquiry from Exeter XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report. 

Thank you.

Company response to consumer: Closed with explanation