BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
An individual by the name of XXXX XXXX has repeatedly called my landline house phone claiming to collect a debt that he will not specify. He claims to be a representative of Municipal Services Bureau and only provides this phone number XXXX. I do not know of any debts I currently owe to this company which is based in Texas. When I called the number to inquire about the debt I owe, I was kept on hold for almost an hour and spoke to no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other

Complaint:
American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies sent earlier ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the XXXX XXXX and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account # XXXX. On XXXX/XXXX/2015 I advised Amex in my letter ( copy sent earlier ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account # XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: Experian Information Solutions Inc.
State: FL
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:
Dear CFPB, Recently I have started to rebuild my financial health and in the process I have started to pay creditors for bills that I have incurred on charged off or collection accounts. 

The account in question is with XXXX XXXX, Experian and XXXX. 

In XXXX of 2021 I noticed that I had a collection on my account for XXXX XXXX. The amount listed on my credit report both Experian and XXXX was the same amount {$380.00}. That was the reported amount since the account went into collections. I went back to my emails and found the last billing statement from XXXX and that was the amount I owed, I clicked on the pay bill link and promptly paid my bill. Come to find out they are reporting it as a settlement, that I paid less than my account was which is false. I paid the full amount on the bill. I sent Experian a copy of all the emails I could find from the account inception and not one of the bills shows any amount over what I paid. I tried to resubmit to XXXX  but the system wouldn't take it. Again the amount I paid was more than what was reported on my file from Experian. I had hurricane outages, refunds, fees, down service. At this point no one has given me anything referencing how anymore money is owed. I question the entire file. 

Experian and XXXX  refuses to correct this information and continues to report that I settled this claim when I haven't. I have never discussed a settlement with anyone, nor did I realize that me paying this bill was for less than I owe. 

Based on reported data I paid the entire balance and this false reporting is harming me enough to the point I am writing you. 

Please help me address this issue as this is extremely frustrating and inaccurate to the fullest. 

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 2020-04-01
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
Oh XX/XX/2020 I contacted Lexus Financial for assistance with my vehicle. I was told by the representative that they could do an extension for XXXX and XXXX which would make my next due date XX/XX/2020. The representative stated that she would have no trouble getting this approved and placed me on hold. When the representative came back to the line she stated that the extension was not approved and was unable to provide me with an explanation as to why. I was provided with false hope. I asked for a Supervisor and spoke with XXXX who ID himself as a supervisor. XXXX repeated what the representative and was unable to provide me with any explanation. I feel that I have been financially discriminated against due to my Bankruptcy. Everyone needs of assistance during this time when our nation is experiencing a pandemic. XXXX could not answer my question as to if I miss a payment will my vehicle be repossessed. I need my vehicle and I need assistance my husband has XXXX XXXX and that is the only vehicle used to get him back and forth to treatment. Not to mention I have to keep the medical insurance for my husband and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.

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 2017-04-03
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX. 

FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law? 

FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''? 
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card. 

This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Thanks to my complaint to consumer finance, BOA ( who sold my mortgage to FHA and got compensation ) felt obligated to " help '' by instructing the loan servicer ( XXXX XXXX XXXX XXXX ) to review my case. After sending the usual paperwork and package requested by " XXXX '' I was told over the phone that my loan mod request was denied unless I fork over {$56000.00} to the bank. I just do n't have that kind of money. So I asked that a denial letter be sent to me or my attorney. I 've received everything from " XXXX '' but the denial letter. In fact I just received another letter from " XXXX '' offering help AGAIN. The new offer came with a notice from the court informing me that my house will be auctioned in a few days. Nice strategy from BOA and XXXX XXXX XXXX, but I am still waiting for the denial letter. I wonder why I still do n't receive it ... I guess it got stuck in traffic. Helping me keep my house is not in the bank interest. It 's more profitable to sell the property. These guys were bailed out by the government. They should return the same favor to desperate homeowners. I am not asking for a free house.I have a steady job. All I asked is an affordable payment plan. But it 's impossible for BOA and XXXX XXXX XXXX to provide such help. BECAUSE I COULD NOT COME UP WITH {$56000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2021-08-01
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In trying to pay my mortgage off as early as possible, I paid extra payments over several years. When I paid these I checked a box called " make a payment '' What i did not realized is that I should have checked " principal '' When I asked Wells Fargo to convert theses payments to principal, they refused. So in essence, they are wrongly keeping about {$16000.00} of my funds and taking it as interest revenue while this was not earned by them. This should be illegal and they should be forced to record my payments on a first in basis applying them to interest only when interest is due.

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 2021-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I got " hired '' on XXXX, to be a XXXX XXXX for a contracting company named " XXXX XXXX XXXX. '' After researching the company, I found their website and their XXXX. Their XXXX had a few reviews both good and bad about their work on it so I didn't think anything of it. During the job, they said that I needed work equipment like a laptop and etc so that I can complete work for the job and that this will be covered by the company. They sent me checks made out from " XXXX XXXX XXXX '' to cash and specifically asked for USAA so that I could cash them to ship my equipment to me, saying that mailing them would take longer which would delay the start day of my job. One of the checks was for {$4500.00} and another check for {$8500.00} was sent. The check for {$8500.00} was sent because they told me that they had two new hires and wanted to know if I could order their equipment seeing as though I " knew the process ''. After, I realized that this was a scam so I told USAA fraud department. They said that I was involved and that I knowingly did this and stated that I had to pay the total of {$13000.00} back to the bank. I have images, documentation, and a police report clearly detailing that I had no idea what was happening and that I am a victim of fraud. The Banks " investigation '' is still going on, and they have contacted XXXX XXXX  's fraud department, but has received no response. I am only 19 years of age, they don't teach this in school and I have yet to even see that amount of money in real life. I didn't even go to college just because I couldn't afford it and didn't want to be in debt. To think that I would have to pay for the wrong doings of someone I have never even seen before is unthinkable. Since the checks over-withdrew the account, they were transferred to the credit card. I have already payed {$2000.00} off so that the card does not gain interest. Since this incident, I have educated myself about scams and the many ways people attempt to scam, I REFUSE to have this happen to me again. I honestly just want my future back. Ultimately, my complaint is for " USAA '' and " XXXX XXXX  ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am concerned that someone may have attempted to open accounts under my name. All security questions asked when I requested my report were not applicable to me and once I submitted this is received notice that my reports were unavailable due to security reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX  : Account number : This account is inaccurate. 

XXXX XXXX : Account number : I dont remember having a charge-off. 

XXXX  : Account number : Inaccurate/ Incomplete/ Unfair/ Unverified Items.

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 2021-06-02
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I always keep track of my spending and know how much I have in my account. I never authorized bbva to pay everyday debit card transactions. If I didnt have enough it shouldve declined the purchase but it didnt. So they reordered my transaction causing my account to go negative. My posted balance - {$2.00} and I was charged an overdraft fee of {$32.00}. This happened to me many many times and they refused to refund. I have no choice to to ask CFPB to step in and help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: WV
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:
Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. XXXX   Experian, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved

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 2017-03-14
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Accounts appeared on my report today from this company that I 've never seen reporting before and from the looks of it they are pretty old. I 've never received anything that could possibly validate this even belonging to me. 

XXXX {$32.00} & XXXX {$25.00} a piece.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX Account # XXXX Please delete this on my report because I am only an authorized user. 
Please update my credit report and score.

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 2021-08-01
Company: Bread Financial Holdings, Inc.
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I made mention that i have never owned a XXXX  XXXX credit card nor have ever shopped in one. I dont know when this account was opened and who has been using this. I have sent emails to XXXX  XXXX, XXXX and also to XXXX XXXX  XXXX  with no luck. I have no idea who could have done this under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously submitted my identifying information to TRANSUNION to which they responded that the information was not sufficient to begin the investigation process.

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 2016-03-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Conn 's, a retailer I purchased a washer and dryer from, reported my XX/XX/XXXX payment 30 days late in error. XX/XX/XXXX payment paid 7 days early, confirmation # XXXX on XXXX/XXXX/XXXX. I paid XX/XX/XXXX 1 day after the due date, XXXX/XXXX/XXXX, confirmation # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Performant Financial Corporation
State: CA
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:
Every day for at least a year I have been getting several calls a day from XXXX Service. The actual number on the caller ID is XXXX XXXX or some variation. I usually do not answer, they never leave a message, but recently they have been calling so much that I decided to answer. Either no one is there or a recording comes on telling me to call another number which turned out to be Diversified XXXX Services. I called the number Diversified left and was told Performant was trying to contact me. I have payment arrangements with Performant where they automatically deduct payments from my account each month. When I told the collector I am making payments each month per arrangements they said they just want to verify my information. I confirmed the information, none of it has changed, however today as always they start calling at XXXX I answered the third time they called today and a person answered and hung up. What do I do to get these people to stop? Why are they calling me when I am making payments on time each month? There is a disconnect between the collectors and those making the payment arrangements.

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