BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody. 
I would like to know if I have any consumer right from this type of situation or not!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Genesis FS Card Services, Inc.
State: NY
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:
On XX/XX/2021 I received an email from Destiny Mastercard part of Genesis FS Card Services stating Thank you for choosing Destiny, expect your card in 7-10 days. I called their customer service that evening at XXXX and gave my name, phone number and e-mail this was received on and sent by to the call center rep telling her that I never applied for a card and was told this would be sent to their supervisor of the fraud division and they will call me. 

Today XX/XX/2021 I received an alert from XXXX stating a hard inquiry was pulled from my XXXX report by this company. I never applied for this card, my credit is locked through XXXX. I never received a call back from this company - I called them again today to report the same thing and was told the same information as before. I am terrified that someone somewhere is going to receive a card in my name and this company is doing nothing but continuing to pull my unauthorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Unauthorized Transactions and account.

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 2017-11-28
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX of XXXX thru XX/XX/2021, I noticed that after XXXX XXXX reported the statement balance which was within 10 % utilization, they also reported in three instances charges that I was making on the card in between statement balances, which caused my credit to drop 10 points on two credit bureaus each time and 9 points on the other. A total of 29 to 37 points. I make it a point to keep my utilization within 10 % as I have been working hard to build my credit expecially over the past year. After several conversations with XXXX XXXX where they insist that they are not reporting the balances, and also calls to myfico and Equifax, I had no choice to turn to CFPB for investigation. I have also asked several times for the XXXX XXXX customer service supervisor to let me speak with their credit department to see if they are aware of the error so they can resolve it and prevent it from happening in the future but I am told I can not speak to their credit department. After I disputed the three times this happened, I did see where one of the times the balance was reversed back but, I was not given my 10 points back. I am a XXXX XXXX owner and this is hurting my ability to raise the capital I need to upgrade. I need them to resolve all issues and prevent this in happening in the future. I will also be calling the three credit bureaus to insure my points are returned so that I don't have to report them to you. Its not fair credit reporting to deduct my hard earned points in error and not return them when the error is fixed. Thank you in advance for your assistance with this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: MO
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 mailed a check to Navient on  XXXX   XXXX ,   XXXX  . The check cleared my bank account on  XXXX   XXXX ,   XXXX  .   I checked my student email today, and there was an email from  XXXX   XXXX  stating my account was past due an d may impact m y credit.   I called urgently today at  XXXX  to remedy the situation, stating I paid, and they said I mailed it to the wrong place. They said they could bring my account up to date, that I would need to mail them a copy of the check clearing my account, so I said I would and I thanked them. He said it was reported to my credit two days ago, though. That frustrated me because the payment cleared my bank account. Then he reiterated what needs to happen to fix it.   THEN, I received a recording stating I agreed to go into forbearance. I disagreed, because that is not what needed to happen and asked to speak with a supervisor. The supervisor said I needed to go into forbearance or allow my account to remain past due. This is unacceptable for someone who has paid her bills, the checks have cleared, but they did not apply it to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018, i authorized an amount of {$91000.00} from my savings account be sent via international wire transfer through my bank ( TD bank ), but the recipient is yet to receive the funds after three weeks. I tried to resolve this issue by submitting all documents requested, three subsequent visits to the bank and a countless phone calls but all to no avail. My question is, if there isn't any hold up as one of the reps told me yesterday, why are they holding the remittance when my family are in desperate need of it? Any help from you will be greatly appreciated. Many thanks!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: TX
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:
I called Chase Bank to dispute an amount on my statement. Here are the events that follow : * I called Chase Bank and told them that the merchant was not authorized to charge me * Two representatives refused to dispute the amount * Then I was routed to their managers and she agreed to file the dispute * After she filed the dispute, the dispute was closed a few seconds later not in my favor * I check on Chase.com Web site to see the reason. It was a fraudulent letter to me, absolutely a lie : " The merchant reviewed your dispute, but didn't find evidence of a billing error. You're still responsible for payment and will see a charge equal to the disputed amount on your next statement. If you received a temporary credit while your dispute was under review, it'll be removed. '' * I called back and they admitted that Chase Bank never contacted the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is a  Private Student Loan account that was originally through Chase. Th e account was opened on or around  XX/XX/2008   . The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provide d, Chase deem ed that I was no longer liable for this account.  XXXX  and  XXXX  have already been updated, they have removed the  Chase Student Loan a ccount from my credit reports, however,  XXXX  has not removed this account. I have disputed this account several times on  XXXX , and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact  XXXX   XXXX   XXXX   (  XXXX   ). I have called  XXXX  several times, and have spoken to several people, including supervisors, and they have no record of my account.  XXXX  directs me to contact Chase, as they are the ( only -  XXXX  is NOT ) lenders reporting on my  XXXX  credit report. The numbers that I have tried are  XXXX  (   XXXX   ),  XXXX  ( old  Chase Student Loan  line - which no longer works ),  XXXX  (  XXXX  - this is for Federal Student Loans ). In other words , Chase a nd  XXXX  are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
They bill me a {$2.00} fee on  XXXX / XXXX /  XXXX   for ATM use, when I 'm not supposed to pay a fee.

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 2021-11-17
Company: Nelnet, Inc.
State: CO
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 have no contacted Nelnet twice about my loans. I went back to school in XXXX of this year, but have continued to make monthly payments. I select the accounts I want to pay towards, however my payments do not appear applied correctly. I understood that interest was suspended during COVID, but I continue to be charged interest on some accounts. When I access an account, the interest is not reflective of what I have been charged. The entire account and payment profile is confusing and not straight forward. When I call, I am unable to receive an explanation and/or answers to my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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: Sent card you never applied for

Complaint:
I applied at sears for a credit card as part of a purchase. I applied on site and provided my ID as part of the process. I was told my application was approved and I completed the sale, with the card to be sent to my home later. I received a bill for the transaction as anticipated, and attempted to pay the bill under my name XXXX XXXX XXXX in a payment from my XXXX XXXX personal account. The payment was initially created, and then rejected by XXXX XXXX as fraudulent based on BSA-AML guidelines as the account for the sears card at Citibank had been opened under XXXX XXXX XXXX. The XXXX XXXX  payment was denied by XXXX XXXX. I contacted sears and Citibank and was told this was their mistake on the card and it would be corrected. They called back and told me they would not change the name without my applying for a name change. Their actions have now created a ficticious name in my credit report under XXXX XXXX XXXX, which is not my name or tied to anything prior. This opens me to fraud under this name creating an undue risk. They refuse to change the name and threaten me at this time based on the payment ( XXXX XXXX ). They need to close the account under the wrong name, open a new account and provide notice to the credit bureaus to remove this ficticious name from my credit report. This will allow me to pay the bill through XXXX XXXX as prior attempted. They need to be corrected for the KYC and CIP violation in using a wrong name to open an account that does not match SSN or DOB for 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 2021-11-17
Company: CBC Companies, Inc.
State: MI
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:
I have written letters to the unauthorized companies to resolve the matter. I most recently sent letters on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted several times to find out what this collection is on my account. This is not my debt. It was opened in  XXXX  with  a south carolina address. I have been living in north carolina    since   XXXX   and i also checked on the address that is located on this bill and it does n't exist. my rights are being violated according to the fair credit reporting act. I have attached the copy they were suppose to send me verifying this debt. Its clearly not vaild. You can do the research yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.

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 2018-06-15
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was settled today for {$3500.00} and this matter needs to be closed at Citi bank and closed on my credit report. Please leave this CFPB complaint open until both things have happened and my credit report is reflected of this change.

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 2021-11-17
Company: EQUIFAX, INC.
State: PA
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I recieved payment from CA XXXX XXXX XXXX XXXX. Deposited it into my Chase checking account. First was advised 3 day hold, then it went to 5, then 7-10, now it is at 21 days and they are telling me the hold is indefinatley. They are trying to verify the validity of the check, but say they have no contact number for the writer, who also happens to be a Chase customer. The rent relief program advised me the check cleared their accountXX/XX/2021, and that Chase has had the funds since then. Chase wont accept any documents from me ( award letter, email conversations between myself and writer, copy of canceled check ) and have told me too bad they can do what they want when they want and dont have to give me a reason, read the fine print. In the mean time i was required to pay my landlord with these funds within 14 days of recieving them to prevent eviction and i am unable to because they bank wont release them. So now im facing eviction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2017-04-13
Company: SECURITY FINANCE CORP
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX, XXXX, XXXX ). This was cashed on XX/XX/2017 and the account has not been removed from all XXXX bureaus as of today.

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