BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2020 I purchased Round Trip Airline Tickets from an online travel agency called XXXX XXXX. I paid {$3200.00} for those tickets using my Bank Of America Visa Travel Rewards Credit Card. I purchased 4x round trip XXXX XXXX tickets for XX/XX/2020. 

Due to travel restrictions imposed by both originating ( USA ) and destination ( XXXX ) governments related to the COVID-19 pandemic, XXXX cancelled my flight. 

I have spent endless hours on phone calls, of which i have recordings, with the online agency. They tell me that my tickets are non-refundable ( which is not true - they're lying in the hopes that they can hold on to my money ). 

I have contacted the airline, they assure me that my tickets are refundable. 

I have logged a complaint with the DOT, which was forwarded to the Arline, which re-iterated that my tickets are refundable, however i must go through the Agency to issue the refund - however the agency doesn't want to issue a refund. 

I have logged a complaint with the XXXX  against the Online Agency - this was forwarded to the Agency to which the agency responded that the tickets are non-refundable and that I must first resolve all my disputes before they ( XXXX XXXX ) can further discuss any potential resolution with me ( at this point, i don't believe them ). 

I have also submitted a dispute with my credit card company Bank Of America - whom, at first, issued a full refund to my Credit Card, but later re-charged my card for the full amount, siding with the agency claiming that the tickets were non-refundable. 

Ultimately, Bank Of America allowed a merchant to defraud me of my money when i was entitled to a full refund. 

As is always the case against corporate giants with deep legal pockets, the consumer is left holding the bill.

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 2016-12-27
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX XXXX. account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX XXXX account # XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: WELLS FARGO & COMPANY
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Wells Fargo is calling sometimes up to XXXX times a day. And they start calling within my grace period. Any time I am more than two days late on a payment they will call repeatedly throughout the day. I have asked them to stop calling me so much. They say they will note the account. They do not. When they call and I ignore the call, it is rare that I even get a voicemail. I have received XXXX and they have called me over XXXX times in the last 6 days. It 's plain outright ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Student Loan Finance Corporation
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
When I got my loan I read that my rate would be 3.99 because I would get a .25 % auto pay discount. I signed up but my statement never said 3.99 % always 4.24 %. So I cancelled auto pay. The I was clicking on the website and found the attached screenshot that said I should get the discount so I signed up again for several months and still every statement says 4.24 %. I want my agreed upon 3.99

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TD BANK US HOLDING COMPANY
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
TD Bank sent me a letter saying that they had my authorization to take the money out of my credit card. They do not have my authorization and they say they do better have it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase claimed they sent me a letter in mail regard to my account on XXXX XXXX to the fact they need more time to inspect what happened, and XXXX XXXX is today and no letter in mail has been received. How long til I hear from someone? This case is very serious matter due to their neglecting my case for a long time already that 's past due when I have support evidence of these actions not done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I spoke with Experian concerning a credit dispute. They did a wonderful job of filing my dispute ( s ) and gettting them removed from my account. However i checked my credit file and as of XX/XX/XXXX, by credit score took a nose dive from XXXX to under 530. My score dropped by 121 points. I couldnt understand why my credit score would drop by 121 points after negative items were deleted. 
Again, positive items were NOT removed but negative items, which means my score should have went up substantially. When I talked to the Customer Service Rep at Experian they told me that my score possibly dropped because of the " activity on my account '', in particular, I was told that when Experian went in to remove the unlawful inquiries and did the " dark web '' monitoring, that all this monitoring may have resulted in my score dropping my 121 points???

The rep then asked me if I wanted to continue credit monitoring and I cancelled. I told them I dont understand how my account being monitored for suspcious activity would result in my credit score dropping? 

Could you please investigate why my score dropped my more than 121 points with NO positive accounts being deleted and only negative accounts. 

Again, I can I see if positive accounts were deleted however they were not, it was ONLY negative accounts, which means my score should have went up and not down.. 

Lastly, I was told my the rep that there computers/alogirithm is responsible for info and he doesnt understand why my score dropped as well. 

Because of this drop in score, my recent Business Loan Application may be in jeopardy, along with other business interests.

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 2016-10-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 'm a member if navy federal. I have a auto loan with them and last year I was late paying my auto loan and last month also. Well they locked me out of my account online and on their app until Im able to make the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Other

Complaint:
Despite having enrolled in the do not solicit list, I received an offer for a Chase Sapphire card. After several attempts in discussing the issue, we finally got assurance that no further offers would be sent after elapse of an approximate time period. However, we have received another offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Transunion Credit Bureau : Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX I did not authorize anyone employed by these Transunion to make any inquiry and view my credit 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 explanation
Consumer complaint received 2020-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was notified that there was a discrepancy in my account, and they wanted me to send proof ( my drivers license ) of who i was even though they would not inform me as to what the discrepancy was, ( each time i have to ask to speak with someone who speaks English ) then they hang up. i have yet to find what the problem is even though i have scanned and sent my ohio drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid Santander they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to Santander refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested validation of bankruptcy reference # XXXX, # XXXX, and # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the public records through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore Transunion has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to 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 2020-08-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have been trying to rectify this problem for quite some time. 

I have been in contact with XXXX. Also, the United States bankruptcy court district of XXXX, New Jersey. Every time I follow a credit dispute with the credit bureaus I received information that the dispute has been verified. I've also asked how they verify the information and they never get back to me with it. I was told XXXX is the furnisher of information regarding bankruptcies. And they stated to me they have nothing in their database showing the bankruptcy for me. 

Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ XXXX   Reference Number XXXX Court US BKPT CT NJ XXXX Reference Number XXXX Court US BKPT CT NJ 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 2020-01-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Privacy issues

Complaint:
Reporting what I believe is CRIMINAL ACTIVITY USAA Reports Fraud Investigations NOT REPORTED BY ME in order to Create a Temporary Credit that becomes a Permanet Charge Leaving Consuers Liable for Fraud I reported {$470.00} unrecognized charges XX/XX/XXXX Fraud Investgations were done 5 months later XX/XX/XXXX. Consumers must report fraud within 60 days Clearly I could Not have reported 5 months late All of these Temporary Credits Became PERMANET CHARGES year later ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX USAA Reps are rude and Hostile when I try to discuss this talking down to me no respect for the 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 2019-02-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I wrote to Experian and XXXX concerning acct # XXXX. They stated that the account is accurate and varified but XXXX  did their investigation and deleted it from my account. I have been trying to get Experian and XXXX to please remove this from my account as well. I attached the document that shows XXXX  deleted this from my credit report. This is hindering my ability from obtaining credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12
Company: ID Analytics, Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is a complaint about SageStream, a credit reporting agency. I have recently learned that a credit report from SageStream has adversely affected XXXX of my financial applications. SageStream has egregious requirements in order to view my own credit report from there including sending an excessive amount of personal information via insecure methods. This is completely unacceptable. If they want to be a proper credit reporting agency they should be forced to also be included as a company on the XXXX website. This information should be more easily accessible online.

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 2020-04-18
Company: Resurgent Capital Services L.P.
State: OH
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 debt collection from LVNV funding LLC, dated XX/XX/2016 appeared on my credit report. I do not have knowledge of this debt and have spoken with representatives and sent letters requesting debt validation. I have yet to receive validation of this debt and when I called last, whomever I spoke with stated it would be removed from my report due to inaccurate reporting. This collections is still showing months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Checking Account with First Citizen XXXX  on XX/XX/2020 with the promise of a new account bonus of {$300.00} if certain conditions are met. 

I have met all the conditions and still have not received the bonus. I have contacted the bank via electronic message and received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-12
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2019 PDQ Services INC located at XXXX XXXX CT XXXX XXXX XXXX GA XXXX Placed a debt on my credit report that does not belong to me, I was never contacted by this company or received any correspondences from PDQ SERVICES INC I have never heard of them this negative account that was placed on my report does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To start, I didn't receive a written notification from convergent outsourcing about the debt. I sent a certified letter to validate/verify the debt dated XX/XX/2021 and it has been well over 30 days and I haven't received a reply. I did however received the return receipt showing the letter was received by the company.

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 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In 2018 I was stationed at XXXX XXXX TX in a XXXX XXXX. This meant I was in the desert for long period of time with out communications because of the equipment being tested. Anyway my ex wife at the time stop paying my bills without my knowledge. As soon as I found out I started paying all my bills with all the late fees. By the time I paid XXXX they had charged off my vehicle. I called them several times to rectify the issue and they said my account was current ant the would report it to the credit agencies monthly. Now I being paying an extra XXXX dollars a month so I can pay off my car sooner, but due to XXXX refusing to change my report and report accurately to the credit agency Im getting a negative rating from the credit agency.

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