BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-19
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent out numerous disputes and verification letters to Ability Recovery and the credit bureaus concerning this account to send proof this is my account because I have no knowledge of this account. I have yet to receive any type of correspondence back from them concerning it over the last 5 months

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 2022-06-10
Company: CITIBANK, N.A.
State: CA
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:
Last year I moved to California from Illinois. I opened a new checking account with XXXX Bank in LA. I put my CITI Bank XXXX and COSTCO cards on autopay with the new account. I used the Illinois routing no. For the new account instead of the new LA bank routing no. And the payments were denied. By the time I realized my mistake the Citi bank card people cancelled both cards and will not reinstate them. No reason given to me! 
I have received an XXXX XXXX card, an XXXX XXXX card and a XXXX bank credit card in XXXX day. 
I need my COSTCO Visa card to purchase gas. 
Can you help me? I have no bad credit issues!

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 2022-06-10
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am disputing this debt because I do not owe it. The creditor XXXX has apparently sold a debt that does not belong to me to a company, known as, " Credence Resource Management '' in the amount of {$330.00}. This company has not contacted me or was able to verify this debt belongs to me. I was notified of a collection on my XXXX report and disputed the amount immediately upon notification on XX/XX/2022. XXXX was able to verify that the debt does not belong to me and Credence Resource Management has the wrong SSN. XXXX confirmed the dispute and removal however, Credence Resource Management has once again reported a collection on my account as of XX/XX/2022. I called XXXX and made them aware who suggested to file a complaint in order to proceed as this collection is greatly affecting my credit history and credit score. I have had no issues with any credit in the past and have always been diligent on my payments. This debt is invalid, does not belong to me and is considered fraud on Credence Resource Management for trying to collect a debt belonging to the wrong person. This is an issue of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection agency is report payment status 120 days late on my credit report. This agency is in violation. Secondly the payment history is not reporting consistently nor accurately. The first missed payment shows 120 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020. How is this even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I currently have 6 loans that have been consolidated with Navient. I have been making good/on-time payments for the last 3-4 years. My payments are going towards an " Unpaid Interest '' balance that apparently goes up daily and monthly ( yes-I confirmed this with a call I made today. The amount goes up on a daily rate and a monthly rate ). Just to give a good idea of how much it is going up : XX/XX/XXXX : " Unpaid Interest '' total- {$620.00} ; XX/XX/XXXX " Unpaid Interest '' total- {$940.00}.
My Unpaid Principle hardly changes-it was the same amount for 4 months. Total amount is {$39000.00}. According to my XXXX/XXXX statement-my total interest paid to date is {$11000.00}. My current payments are {$100.00}. I understand that is n't much, but at the way they are going, I will NEVER get the unpaid interest down to actually get my principle down. I have attached just a progression from XX/XX/XXXX-Present, but I have ALL of my statements available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was made aware of fraudulent accounts, checking, savings, debit and credit cards, that were opened and issued in my name by persons unknown to me through Bank of America around XX/XX/2022. I wasn't aware of this until XX/XX/2022 when a debit card arrived in my mail. I have never had or applied for any Bank of America accounts of any kind. I immediately contacted Bank of America to report these accounts as fraudulent due to identity theft and requested they close these accounts immediately. I had to call them back dozens of times from XX/XX/XXXX as the fraudulent accounts all remained open. My latest call was XX/XX/XXXX as I received a statement for these accounts showing them still to be open. I have filled out and sent back to B of A the fraud report as requested by them including a copy of my picture I.D . and it was received by them on XX/XX/XXXX as verified by the required signature delivery I paid for when mailing it back to them. I have repeatedly requested all accounts in my name to be closed and confirmation of this action to be sent to me and this has not happened. I have told them in virtually every conversation and correspondence that there security to prevent fraud really needs to be updated and overhauled as this never would have happened to me if they had done a better job verifying the personal information used to open these fraudulent accounts. 
At this point I am very angry and frustrated with Bank of America as they have still not sent me any confirmation that all accounts and cards in my name through their bank are closed and acknowledged as opened fraudulently through i.d.theft. 
With how I have bean treated by Bank of America having to make over a dozen calls and spending well over 8 hours total on the phone being transferred and placed on hold without a resolution to my issue, I would never even think of using Bank of America for any of my financial needs.

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 2017-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian has not investigated nor notified me of disputed medical collections on my Experian report. 
I have tried multiple times to provide proof that these are legitmate bills owed, they fate back to 2013. 

Experian has failed on multiple occasions to provide any information on XXXX XXXX $ from 2013 XXXX XXXX {$2000.00}

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 2022-06-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Disputed this second loan mortgage back on XXXX that its already been cancelled when we filed bankruptcy. Im not been paying on this loan for so many years, because we are selling the house now we found out that this loan is still valid that I thought is already gone.

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 2022-01-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Dear CFPB Representative in Charge, In 2020 my checking and savings account was closed by Chase Bank. I owed no money upon closing of my account. 
I was funded by the XXXX for my XXXX grant through this account and I am now having problems receiving my Targeted Advance and Supplemental Advance. 
This has been an emergency situation and I cant get anyone at Chase to help me. 
Can you help me with this situation. 
I am currently in an active reconsideration for my appeal with the XXXX. They are questioning my appeal because my original bank account was closed before the XXXX could validate me. 

Thank you for any help I could receive. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX, North Carolina XX/XX/XXXX Please I need help with my only residence. I disagree with the decision modification denied. Its not fair, because I had an accident at work. Because in XX/XX/XXXX to XX/XX/XXXX, I not can work, I not have any income. My income reduce to {$0.00}. And now is impossible for me pay {$1000.00} mortgage payment per month. I start a new job in XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My health does not allow me to do more physical work. My medical condition, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX ( XXXX sent me to the XXXX XXXX Hospital. For XXXX XXXX XXXX, and my health is jeopardized, because I could not solve my economic situation and my dream of having a home will end soon ; for this reason, I am writing this letter, asking for help in mortgage assistant ( Modification ) and lowering my monthly mortgage payments, because my salary is not enough to cover my house mortgage. I applied for NC XXXX XXXX XXXX XXXX I was denied too. I have Court on Monday XX/XX/XXXX. Please help me to review my situation as a humanitarian case. I need your help in this particular Endeavour. Please help me to save my only residence. Thank you so much for you attention and XXXX Bless you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Navient Solutions, LLC.
State: SC
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:
My student loans are serviced by Navient. In XXXX, I spoke to a Navient representative over the phone and gave him my bank account number and routing number to make a payment for two months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than 100 days delinquent. I was then transferred to a Navient supervisor who set up auto pay for me and opined that perhaps the Navient representative who took my information down did so incorrectly, and that my bank rejected the payment. This supervisor updated my records and brought my account current. I assumed all was well until I received a credit alert that Navient had reported eight accounts 90 days delinquent, crushing my credit score. 
Navient tells me that it sent me two letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from Navient that I did not receive, but it is not uncommon for their representatives ( or their automatic dialing service ) to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
Navient informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but Navient will not provide it. All Navient needs to do to make this right is remove the negative information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: EQUIFAX, INC.
State: VA
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 XXXX hard inquiries on my credit report. Out of the XXXX there are XXXX that are accurate. I did not authorize anyone to check or approve my credit. I have contacted the companies and I was told multiple times to contact the credit bureau, identity thief or someone else. No one has fixed it. I need these XXXX hard inquiries gone as fast as possible. I am trying to purchase my first home and I need my credit score to be in good standing or constantly increasing. Like I mentioned before there are XXXX inquiries XXXX XXXX, and XXXX XXXX that are accurate. But the remaining XXXX are fraudulent inquiries of some who tried to use my name to get credit cards or a co-signer or get a vehicle. 

The XXXX fraudulent inquires are : XXXX XXXX, XXXX XXXX, XXXX XXXX. I have a XXXX  XXXX card, that is the only credit card I own, and I 've never tried to get a XXXX card. I currently have a vehicle that I 'm not trying to replace so I 'm not sure where this XXXX and XXXX XXXX came from. Fraud!!!! I need someone to take care of this problem and remove these fraudulent inquiries off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
X/XX/17 I went to a car dealership to try and purchase a vehicle. After viewing my score on XXXX XXXX. The dealership pulled my Transunion score and it was 100 points different. Needless to say they declined me. I ordered my report direct from Transunion and it read XXXX different from the dealership XXXX. I then called Transunion and spoke to 2 customer service representatives and a manager who all said the dealership was pulling a different scoring model. And they had no control over that. I asked the dealership which model they pulled. Fico is what they pulled and Transunion said I was getting XXXX on a XXXX. I called Transunion back to ask how do I see my Fico report to make sure the information was mine and understand why my score is so low. Transunion representative said they only have the XXXX report. I can not believe I have no way of challenging this erroneous low score. This is dispare treatment.

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 2017-10-18
Company: Blackhawk Network Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/XXXX I ordered a {$500.00} XXXX Gift Card from the XXXX website ( order number XXXX ). The total cost of the order was {$500.00}. I never received the card. On XX/XX/XXXX, I called the customer service number ( XXXX XXXX ). to let them know I had not received the card in the mail. The representative verified there was {$500.00} on the card. He also blocked the card so it could not be used. He issued a ticket number - XXXX, and told me I should receive a refund to my credit card within 3-6 business days. 

I called customer service again today, XX/XX/XXXX. The representative told me there was no progress taken on this issue. When I asked if we could do anything to ensure this issue would be processed, she just told me they were backed up and had not gotten to my ticket number yet. I do n't even know that the company intends to do anything with this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: Westlake Services, LLC
State: CA
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:
XXXX, XXXX, and XXXX are been non-compliant with removing the unverified account WESTLAKE SERVICE INC XXXX. XXXX, XXXX, and XXXX have both completed their research and determined that WESTLAKE SERVICE INC was not established by myself but XXXX, XXXX, and XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX, XXXX, and XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: JPL Recovery Solutions
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Jplrecovery has contacted my job 3 times stating they are attempting to collect a debt I then asked them what it was regarding and XXXX states he did not need to speak with me so then I told him to stop calling my work and to call my cell phone # the first time, second attempt they called asking who the manager was and I hung up on them third attempt they asked to speak with me again and they were hung up on.. The 4th call was made to my employers home phone number which they spoke with my employers wife and asked personal questions and disclosing that they are attempting to collect a debt and asking the status of my employment, when I was hired, my pay rate which my employers wife did not have that info and asked them not to call their home. Jpl recovery then asked when they can call back to obtain the information they were asking for. Employers wife states numerous times she did not have that info and to stop calling. She did obtain a call back phone number and a name of person calling ( XXXX ). I would like to file a complaint of harrasment against JPL recovery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Open Road Finance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I requested a loan from Open Road Finance. 
On there web site it states easy, fast motorcycle loans. I was pre-approved through their website. 
When I called the company to accept the loan I was told they only finance XXXX XXXX through their approved XXXX dealer and they could direct me to a dealerships they work with. 
The advertising is misleading. It seems like a scam to me, they must be getting kick backs from dealerships for directing people to their dealerships. Very deceptive advertising. 
Their web site should state they only finance XXXXXX/XX/XXXX at dealerships they approve of. 

https : //www.openroadfinance.com/

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: U.S. BANCORP
State: CA
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:
In XXXX I contacted US Bank to settle my credit card becuase I was having money problems. And that was my original intent. But I was able to get a better paying job in XXXX and called them to cancel the settlement and start making regular payments again. I was set up on automatic monthly payments. I called more than a dozen times asking that the settlement be cancelled and this not get charged off. In XXXX this was charged off anyway even though I am making regular monthly payments. I called them again to get the charge off removed from my credit report and correct the balance. And they refuse even though I am making regular payments to us bank directly. I have 2 cards with them and the other card had the same issue and that one they corrected. This one they will not fix.

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 2020-07-06
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: National Commercial Services, Inc
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/18, {$1500.00} XXXX XXXX and National Commercial Services have been targeting me since XXXX stating that I wrecked one of their vehicles and requesting/threatening to suspend my license which is false. They can't seem to provide any legal evidence/police reports or anything to show I was involved in this?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation