BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was approve for Forbearance from  XXXX   XXXX    XXXX  .  Navient  reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've tried disputing a couple of fraudulent accounts on my credit report, and the Bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, XXXX XXXX, XXXX XXXX, etc. and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it is going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. 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 explanation
Consumer complaint received 2022-03-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In the fall of 2021 I received an offer about XXXX American Express cards with a very high bonus award. I applied for and received the card and met the spending criteria but have not received the bonus awards. 
When I called to check on it, I was told I was ineligible for the bonus because of past cards. I do not recall any information being provided to me indicating that I was ineligible to receive this award. 
I believe it's misleading advertising for the company to send a solicitation to a customer who is ineligible for the bonus. I would never have applied for this card except for the bonus offer because I have another great card with 2 % cash back. Between the annual fee of {$95.00} and the forgone cash back, I am out hundreds of dollars because I used the American Express Card -- not to mention the value of the award. 
I spent an hour and a half on the phone trying to understand this and get some type of relief but got nothing but " I'm very sorry but we can not help you. '' The representative did say that these awards are " Once in a lifetime '' which further underscores the fraudulent nature of sending solicitations to an ineligible individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been seeing this on my credit report from Portfolio Recovery regarding over {$680.00} I still haven't received a verification of debt and I don't believe this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14
Company: Summit Financial Corp.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On or about XXXX XXXX, XXXX I contacted XXXX XXXX at Summit Financial to verbally advise that I was voluntarily surrendering the XXXX XXXX XXXX. XXXX XXXX stated that it was the holidays and that no one was available to pick the vehicle up. I advised XXXX XXXX I was able to take the vehicle back to XXXX XXXX, he told me that I was not able to do so. XXXX XXXX advised that a representative would contact me at the phone number provided to schedule a time to pick up the vehicle. I received no contact from said person, XXXX XXXX received a call on XXXX/XXXX/XXXX from a woman calling from XXXX stating that they were issuing an enforceable warrant for my arrest but did not say for what reason or why. I called on XXXX/XXXX/XXXX at XXXX XXXX and spoke with an individual named XXXX XXXX XXXX whom stated that she was from the enforceable warrant reporting/processing office. XXXX XXXX advised she saw in the notes that someone spoke with me stating I was voluntarily surrendering the vehicle but that they were headed to court this afternoon to place a warrant for my arrest for not surrendering the vehicle. I advised her that I had not received a call from anyone stating they were ready to get the vehicle and that I had no problem with them getting the vehicle. She advised that I leave the key in the vehicle and the car unlocked so someone was able to come get the vehicle as long as it was not in a gated community. I advised her that I was not comfortable with that, that I wanted to be there and receive something in writing stating that they have secured the vehicle. She stated that Summitt Financial is a large company and that I would receive something in the mail 10 days later stating that I could pay off the debt to retrieve the vehicle or advise me of the debt which was owed. I advised her that I was currently out of town but the vehicle was at the residence which was listed on contract. She stated that they had to obtain the key, I advised them to tow the vehicle. She threatened to have me arrested and a warrant issued. I advised her that what she was doing was against debt collection practices and that she had no right to tell anyone that a warrant was going to be issued nor should I be penalized nor threatened with a warrant because Summitt Financial failed to contact me to schedule a pick up time. I have the emails and I am able to obtain records of my phone log to prove that I have initiated contact with the company to secure the vehicle almost 30 days ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: VA
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:
Since I am a Pell Grant recipient, I will be eligible for {$20000.00} forgiveness based on Mr. Biden 's policy. I requested a student loan payment refund from Edfinancial last Wednesday, XX/XX/2022. One of the representatives was able to set it up for me ; however, they do not provide any confirmations or acknowledgment that my request was set up. In addition, the timeline IS EXTREMELY SLOW, which can be more than 150 days. Compared to other loan servicers, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i have been banking with Chime since XX/XX/2020. I have had no issues with direct deposit or any other matters until XX/XX/XXXX XXXX i got an email at XXXX from Chime Member Services stating there was a request to update the email address and phone number associated with my account and the email clearly stated that if I didn't make this request to contact Chime Member Services immediately. I did so, I spoke to a woman and after she asked me questions to verify my account, i told her about the emails I received. I stated that I did not make any request to update my account because I have had it for close to two years. She made notations on the account and forwarded the request to the Support Team. She assured me that my account would be safe. Two hours later, I received an email and a text message stating that the account had been updated to a non existing email address and phone number. I was locked out of the account. There was two unauthorized transaction made totaling {$310.00}. I filed a dispute and was told there would be an investigation and if they hadn't come to final decision in ten business days, I would receive a provisional credit to my account. This was scheduled to be credited to my account on XX/XX/XXXX. I received an email on Sunday XX/XX/XXXX from the Dispute Team stating that they had completed the investigation and they found no errors and I would not be entitled to the provisional credit. On XX/XX/XXXX, someone was allowed to update the account a second time. Fortunately, no founds were taken but my account was suspended to two occasions and I had to submit photos of me holding my drivers license with a piece of paper with my full name, the date and the email address I wanted to update the account to. i was told my several supervisors that the person that hacked my account did not submit any documentation to update the account. I questioned them consistently asking why I had to send photos to update my account and the person who hacked my account didn't. I consistently got the run around, They have cause me a tremendous amount of stress and I feel I should be compensated for the unauthorized transactions that occurred in Nevada as I live in Florida. I have filed a police report and awaiting it delivery. There has been several conversations with the Dispute Team and Members Services and no one will give me an explanation as to why the decision to not refund my loss was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX I was charged a NSF fee for XXXX due to a check I wrote around 2 weeks before this date. 
Upon investigation and many phone calls I was told the {$37.00} could not be refunded because Huntington has credited me too many times in the last year. One of these credits is due to the last complaint with the CFPB. 
I also found out that Huntington changed my account without my permission to a " Asterix free checking '' When I had a " Huntington 5 account '' I found out I was using ATM and being charged fees also, then found out my account was no longer the Huntington 5 account. 
There was no notice of my account changed, there was no reason from huntington on why it was changed and this was done without my permission. 
I am very upset that the check that was bounced back was not covered under the huntington 24 hour grace. What is disturbing is nobody can answer why it was not covered. All I am told is " It is up to the bank ''. The check would of put my account negative {$21.00} if I would of gotten the 24 hour grace. Thus would of been paid ( I did pay the NSF charges the same day. 
The disturbing part is the Huntington Customer Service. The local bank declared " Personal checks are not covered by 24 hour grace '' Call center agents tell me that I am not eligible for 24 hour grace anymore because of my past account history. Well I was never sent a notice that 24 hour grace is not longer available for me. 
The local banking center says I am eligible for 24 hour grace still and that they are sorry my account was changed without my permission. 
This is a very frustrating bank and I was also told I can never have any money refunded until XX/XX/XXXX. Because you are only allowed {$50.00} a year and the {$300.00} from my last CFPB complaint exceeded that. I thought this would be a good jester from Huntington and did not realize if I made anymore mistakes I was going to be staked out and have all my privileges removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 and XX/XX/2020 I wrote to transunion about collection account that was on my credit report that do not belong to me. please help

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 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Every time I do a deferment they tell me one thing and when I call back its something different Also I question them on my loan to go somewhere else to get a better loan they put wrong information on my credit report when I have all the payments I made they did that after they found out I wanted to get away from the fraudulent company I read their reviews and all that was explained on review I am going through the sand thing lied and said I was late 4 months straight when I have my payments for each month I will send proof

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been seeing this on my credit report from XXXX regarding two account for over {$300.00} and {$600.00}. I still haven't received a verification of debt and I don't believe this is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Netspend Corporation
State: NC
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Netspend has caused me several issues. First I filed a transaction dispute. I informed them I had the card in my possession, and they failed to inform me that the card was being locked ( and also did not do anything to assist in the provision of a new card ). After the card not working on a purchase the same evening I called them the next day. After reviewing my account, and myself telling them about the dispute, they told me to use the old card at an ATM. Only after that failed as well did they tell me that the card had been disabled. They were only willing to waive a XXXX fee to send a card in 7-10 business days even though they mislead me, and failed to offer a new card ( I asked that it be expedited ; 3-5 business days ; with any fees waived. They refused, and said to get it expedited I had to pay XXXX ). 
After receiving the new card everything was fine until the date of this complaint. I was enrolled in their XXXX to keep from having fees every time I used the card. I found XXXX total fees, and that the plan was no longer set on my account. I called to have the reset the plan, and told them that I needed those fees reversed due to the fact that I never cancelled the plan. They returned XXXX of the fees. After calling them again they refused to return any further fees quoting that the plan " had expired ''. There was no indicator anywhere of any expiration. 
Anytime I have asked for a supervisor they would attempt to refuse me. I have to literally yell at them to stop talking and get a supervisor at which point I am put on hold for an average of 15-20 minutes. Any supervisor I have spoken to has refused any request I made quoting " we do n't have access in the system to do that ''. Once I asked for someone above the Customer Service Supervisor. I was flat out denied access to anyone further.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a new checking account with UnionBank. I deposited {$250.00} through the personal check and deposited {$120.00} through the bank transfer. But a few days later, I received the letter from UnionBank stating my checking account was closed for fraud reason. And all my funds are frozen.

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 2017-05-25
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptacy XXXX XXXX XXXX ; # XXXX due to faud from XXXX XXXX XXXX in Fl. They cashed XXXX checks made out to XXXX XXXX group. I presented the copies. XXXX was going to " help me save your home due to the Obama help women save their home program ''. They never sent my payments to OCWEN : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX # XXXX. I was so excited to save {$400.00} a month on my mortgage that I gave the information to XXXX XXXX, XXXX, CO. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX did the SAME thing to her. However, her loan is with XXXX XXXX, and it has been fixed. She had a nasty divorce. I am a widow. XXXX is taking advantage of women! Ocwen said I owed them XXXX in XXXX. I hired XXXX {$4300.00} to help me. I have made 12 payments ON TIME and my XXXX payments ON TIME. Ocwen returned my XXXX payment saying I was LATE in XXXX They cashed my on time XXXX payment.. I visited XXXX, sent Ocwen {$2000.00} for XXXX and {$2000.00} for XXXX. I called them with a witness. They want {$72000.00}. or want to auction my home!! WHY?? PLEASE HELP. My XXXX yr old mother lives with me ... ..I filed social security EARLY JUST TO SAVE MY HOME. The rest of my life this XXXX XXXX Veteran widow will get {$450.00} less because of OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: National Arbitration Forum
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
On Tuesday XX/XX/XXXX, 2015, my mother recieved a message on her answering service, stating this was, XXXX XXXX from XXXX regarding XXXX XXXX. I have not lived at that residence for XXXX years and also have not had that number in the XXXX years I 've been gone. That is my mother 's home and also her home number. Her message continued by saying XXXX has to be at this address Thursday the XX/XX/XXXX to recieve letter and if not there they would send police to arrest me.. Once I recieved the information from my mother, I contacted the number given XXXX XXXX to find out what this was in reference to. I got there voicemail and left the case number she left on answering machine along with my new number to be contacted. The following day, the XX/XX/XXXX I reached out again, and again got voicemail. No one contacted me or came to my mother 's home. Researching on the internet unfair debt collection practices I came across your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: CITIBANK, N.A.
State: NY
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:
Good Afternoon, I purchased shoes in Macys in New York XXXX XXXX on XX/XX/XXXX for vacation to XXXX and then a cruise. When I got to Florida on XX/XX/XXXX, I saw the shoes the Macys associate put in my box were the same feet. So I went to the XXXX XXXX  Macys store in Florida and returned the shoes and bought new pair of the exact same shoes with the right feet. The associate took my receipt and told me I would receive a check for the refund from Macys for the shoes I bought in New York and she processed the return for the shoes. The associate gave me a new receipt from XXXX XXXX  for the second pair of shoes, which I attached the receipt to this email. I never received the refund check for the pair of shoes I returned. 

I called Macys at the XXXX XXXX in Florida where I made the return and got the right pair shoes and they said to contact Macys customer service if I dont receive in 3 Weeks. I still did not receive a check and Im out {$51.00} because I paid for the same pair of shoes twice. 
If Macys provided you with the receipt from XXXX XXXX XXXX in New York you will see I purchased the exact same item in Florida. 
Macys keeps bouncing me around. I disputed the card with Citi the merchant responded and Citi asked me for my return receipt. Despite the fact I let them know the lady took my original receipt and made the return. I only have a receipt for the pair of shoes I purchased in Florida. ( The exact same pair ). 
Citi bank reversed my credit and now I am stuck paying for the same pair of shoes twice! Citi bank needs to fix 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 monetary relief
Consumer complaint received 2015-08-04
Company: National Arbitration Forum
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A company called the " XXXX '' ( XXXX ) called myself AND my brother and said that I was due in court in two days and that they were coming with a sheriff to serve me papers at either my home or place of employment and that my employer would need to sign as a witness of me being served and arrested! I also had to sign for them and then I was being arrested unless I paid a debt in full. Same company has called me in the past leaving my social security number in a voicemail and telling me that leaving the message was my formal notification and have ID available when I am served and arrested! I have no idea what this debt is and in the few attempts I 've made to discover info about this " debt '' no one can ever give me ANYTHING! Just says what county and state it 's from and that it 's attached to my social security number and current phone number.

Company response to consumer: Closed with explanation