BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has reported my loans in repayment status which is causing my credit score to decrease dramatically. Student loans are supposed to be in nonpayment status until XX/XX/XXXX. I am not able to reach them by phone or email. I would like this to be corrected on all of my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
a charge was coming through off my debit card every month. I called in XX/XX/XXXX and set up a dispute. the chase representative coded it wrong, and " once they dispute a charge, they ca n't dispute it again '', even if Chase made the error. 
they credited my checking account the money, sent me a letter stating they would be taking it back, never gave me a date. took the XXXX back, caused me insufficient funds, told me I would n't be charged an insufficient fund fee, I was charged a fee. 
they told me when they disputed more claims, against the same merchant, that Chase only has a XXXX day liability. When I told them that in XX/XX/XXXX when I first filed a dispute, that was within the XXXX days. they agreed, but since the agent at chase coded it wrong there is nothing they can do. 
Was told on XX/XX/2016 by the XXXX at Chase claims to contact the consumer financial bureau to file a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: GVA Holdings, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am having trouble making the payments I borrowed  XXXX  but the interest rate is 720 % I will have paid over {$7000.00} when done the {$400.00} payment every 2 weeks is making it difficult to keep up with my mortgage and bills I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I submitted a dispute letter to Transunion regarding unverified accounts listed on my report there response was they could not find either of the two listed as unverified I they are XXXX and XXXX XXXX XXXX  there the same company listed twice only report I am submitted t them both f go there TransUnion for deletion. They claimed they investigated but wrote me back stating they did not hAve t them listed with them I know this is incorrect information by them please review the following. 
I appreciate your help and this dept for there attempt in a resolution Thank you XXXX XXXX XXXX

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 2022-03-26
Company: Halsted Financial Services, LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by XXXX XXXX XXXX XXXX XXXX ( XXXX ) of a fraudulent account of which I became unaware. 

On XX/XX/2022, XXXX XXXX, Support Services Manager, of XXXX XXXX XXXX XXXX XXXX ( XXXX ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. 

However, in a letter, dated XX/XX/2022, from Halsted Financial Services ( XXXX ), I was informed that XXXX placed my account for collections with Halsted Financial Services ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
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:
XXXX XXXX XXXX, threatened if full payment is not received by FIFTH THIRD BANK by XXXX/XXXX/16, further action will be taken to secure payment of the amount owed including reviewing this matter with the Prosecutor 's office for possible criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America shows a newly opened checking account, which I did not open and want closed. 

I called the correct number and spent 15 minutes with a bank rep in almost total silence while she claimed to be documenting that I did not open the account. I asked for a confirmation number for the call and was only provided a call back number in the event I was disconnected. After providing the call back number she said she was then transferring me to the fraud department even though I already went through everything with her. 

As soon as she attempted to transfer me the call was disconnected. Rather than call back and be put in a long waiting que again, I waited a few weeks to see if the account would be closed based on my phone call. When it was not, I opted to write a letter ( 2+ weeks ago ) which is the only other method they provide for handling this matter. 

The account is still active and they are now billing me $ XXXX for not funding the account that I never opened and requested twice to be closed over the last month+. 

I don't feel they are making any effort to close this account. I also feel they make it as difficult as possible on purpose so you can't actually close the account. 

I did not open this account and request it to be closed ASAP and have any fees 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 2020-03-18
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: Information belongs to someone else

Complaint:
A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}

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 2022-03-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX  XXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX  have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: JPMORGAN CHASE & CO.
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:
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Duncan Solutions, lnc.
State: UT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX  ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MI
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}

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 2017-05-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Requested credit line increase on Costco credit card, was denied and ECOA notice sent X/XX/17. ECOA notice stated denial was based on XXXX credit bureau on the basis of showing a garnishment, attachment, foreclosure, collection action or judgment either paid or unpaid. This information is erroneous, I went and double checked my credit report for all XXXX bureaus, none state any public records concerning credit. Spoke with XXXX, Account manager Citi ID # XXXX and he stated that he can not do anything but pull my credit again, resulting in additional inquiry to credit which would be impactful to my FICO. XXXX was a great guy to talk to, and he is absolutely not the problem. It seems that Citi does not provide the adequate information to it 's employees to resolve issues like this. Should the CFPB wish, I can provide a copy of my XXXX report and the ECOA notice to document that I do not have any public records on file in my report.

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 2020-03-18
Company: EQUIFAX, INC.
State: AR
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:
This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX   XXXX {$62000.00} XXXX/XXXX XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX  XXXX {$900.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX  XXXX {$500.00} XXXX XXXX XXXX {$360.00} XXXX/XXXX   XXXX {$1700.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: IL
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 have reviewed my credit report and have noticed " XXXX/XXXX - XXXX '' has inaccuracies for Experian. Such as on " XXXX XXXX '' it states I owe " XXXX '', that is an inaccuracy the documents provided show a balance owed of " XXXX ''. " Payment Amount '' is inaccurate as well, it is reporting a payment of " XXXX ''. In the uploaded documents there are payment amounts of " XXXX ''.

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 2017-01-26
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Bridgecrest Acceptance Corporation
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am writing you to inform you that Bridgecrest was unwilling to defer a payment, with the coronavirus   and a state of emergency here in Kentucky and across the nation. I would like to warn other consumers that good payment history does not allow you to defer a payment with Bridgecrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX The results of their investigation did not produce the requested documentation therefore they ... XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've reached out to Equifax several times (XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) about unauthorized inquiries. addresses that were never associated with me and each person I spoke with was incompetent and refused to submit a dispute for the unauthorized inquiries. There were 4 addresses that I requested to be removed, and 10 unauthorized inquiries I requested to be investigated/verified, which were from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX ), XXXX (XX/XX/XXXX ) , XXXX (XX/XX/XXXX and XX/XX/XXXX), XXXX XXXX (XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX (XX/XX/XXXX) and XXXX XXXX (XX/XX/XXXX . The agent I spoke with on XX/XX/XXXX gave me a confirmation number and told me address would be removed and the inquiries would be investigated and to allow 30 days for dispute results. On XX/XX/XXXX I received an emailed stating that the dispute was complete. Equifax online dispute system did n't allow me to check the results online. Which resulted in me having to call them, only to realize that only one of the addresses removed and none of the unauthorized inquiries were ever sent be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between  XXXX   XXXX ,    2017  and  XXXX   XXXX ,  2017  I discover ed Pinnacle Credit Services  reinserted account #  XXXX  in my credit file.   XXXX   is required to notify me within 5 days of reinserting a previous deleted item. I did NOT receive any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2020, I called Capital One to review options regarding Covid-19. I am directly affected, and have two open credit cards with Capital One. I am current on both. 
After a 15 minute wait, I was connected to a foreign call center who was woefully unprepared for such questions. I kept asking what my options were, and the young lady on the other end in heavily accented English kept replying " do you want minimum payment? '' I kept saying repeatedly ( and calmly ) that I do not understand, and to please explain what my options are. 
Eventually, I asked to be connected to a supervisor or someone who understood the recent impact of the pandemic. 
I was connected with XXXX, who was extremely pleasant and noted that we had birthdays one day apart. 
She informed me that the previous agent had made changes to my account and " I should have been told all of this in the disclaimer '' before she went and did it- which I was not. No disclaimer was mentioned or recited, and I still don't understand what was done, but I'm told my due dates would change within the next few business days- At this point the call disconnected. I've been trying to call back, and the wait times are now over 40 minutes. 
Capital One has no email address, no published plans to deal with Covid-19, and their staff have no communication skills to convey options.

Company response to consumer: Closed with explanation