BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This showed up on my credit report as a hard inquiry. XXXX/ XXXX . As a inquiry of XX/XX/2020. Cant call the company. Looks like fraud to me. I did not inquire.

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 2021-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I have not had or used a PIN number for my EDD card, possibly ever and at least in 5 years. On XX/XX/20 there was a {$1000.00} cash withdrawal from a XXXX in XXXX, CA. On XX/XX/20 cash withdrawal of {$1000.00} in XXXX, CA, XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA and on XX/XX/20 {$1000.00} withdrawal & balance inquiry in XXXX XXXX, CA. I reported it Several times and my claim ( cot wlaim # XXXX ) was denied, I requested appeal after appeal, I have been given the run around by BOA & they denied my claim. I have never been to this locations & my card has been in my possession at all times. I do not use the card to withdraw cash only for bills and groceries/gas. My card has been frozen since early XXXX, that they will not speak to me & to contact EDD. I have heard nothing from EDD. The only paperwork from edd has been a verification of my identity, which I signed & sent back to EDD. EDD has not frozen my account or contacted me about it, but BOA refuses to answer any questions, I rely on this money for food, electrical bill etc for me and met XXXX  small children.

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 2015-03-25
Company: Community Health Investment Company, LLC.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I went to the XXXX because I thought I 'd XXXX. The hospital kept having issues with my health insurance company, and it took almost 6 months to get it straight. The hospital had already turned it over to the debt collector, and I have paid the debt in full. The debt collector has also called me at work despite being to not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I sent a letter pointing to inaccurate and false and accounts reporting on my credit report. It has been 60 plus days and nobody has yet to respond to my disputes on the matter. According FCRA 15u.s.c. 1681i, failure to investigate dispute items 30 days of notice by a consumer of the date agency receives notice of dispute, the disputed items shall deleted/removed in accordance with paragraph 611 ( a ) ( 5 ). I am fully aware that this is a direct violation according to FCRA 15 u.s.c. 1681s-2 623 ( a ) ( 1 ) ( A ) ( B ) which has damaged my reputation according to FCRA 602 ( a ) ( 2 ) and caused me stressed and I demand these accounts be deleted from my credit report immediately which has also caused my information to be impacted by the XXXX Data Breach or I will file for litigation.

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: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not apply for this payday loan in the amount of {$780.00}. There was no documentation or communication sent to me stating that I owed this debt. I have requested validation of this debt several times. This is invalid information that has been distributed to the 3 major Credit Bureau 's ( XXXX, XXXX, and XXXX  ), this may be considered fraud under Federal and State Laws. I am requesting validation that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2020, I was greatly impacted by Covid-19 and was in a financial hardship. It shows a 30 day late payment for this account and I thought it was on auto pay. I have been very responsible to make my payments and understand the value of having good credit. This is impacting my ability to get a mortgage. The company will not help me with this unfair issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I recently spoke with XXXX in consumer relations department team and she didn't really want to help me with verifying the current inaccurate reporting ( per 15 usc 1602 your required to do that with my written consent ) you guys have furnished on my chexsystems report. the following accounts are inaccurate and against my rights as a consumer the fdcpa states you need written consent to furnish anything on my consumer report I demand to have the following accounts removed immediately XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX Missouri XXXX, The Following addresses are also inaccurate and have ruin my reputation as a consumer XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, az XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX the following address are all inaccurate or erenous and unverified my current address which also the following name I provided my current address already as well which is XXXX XXXX XXXX XXXX XXXX , Az XXXX or XXXX XXXX XXXX XXXX XXXX. this has been an infringement upon my rights and has caused me major distress on me as a consumer. I hope that you can assist in regards to this issue that been brought to hand I have been trying to get this resolved since XX/XX/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 2017-01-21
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My complaint is with XXXX XXXX now known as Navien. From XX/XX/XXXX to XX/XX/XXXX, I tried to get my monthly payments lowered through Navient. This was due to the fact my mother is a single parent, my father does n't help, and I was still looking for a full time job out of school. I tried for almost a year to get my payments adjusted due to my income and my mother 's ( she was the cosigner ). My payments were over XXXX dollars and neither her nor I could live a normal life with these payments. They wanted us to live like Hermats under a rock. I kept getting told that my income was enough to cover. I was making XXXX a year at this time. My mom XXXX. At the end of our expense calculations, both of us were close to coming even for the month after paying this rediculous loan.. Nowhere near the income for an over {$500.00} a month payment. They were close to {$700.00}. But nope, Navient still states that we had to pay because technically, we could cover if. Am I not supposed to live my life? My mother was told maybe she should " cut back on strenuous and extravagant spending. '' My mom is a XXXX and does not spend where she does n't need to. We were appalled. I wanted to make payments, I wanted to repay Navient. I just could n't do close to {$700.00} a month. They would not work with me. I have records to back these statements up and the countless times my mother and I were pleading with " customer representatives '' to help me get my payments lowered. I have a federal loan and a loan from my college as well as this. They did n't care. After almost A YEAR of trying, we finally got them lowered, but still at {$300.00} a month. That to me is still outrageous. This new plan is called " rate reduction plan. '' It ends next month and I am so scared what is going to happen next. It makes me not sleep at night. I have no clue if I will be able to keep these payments. These people do not care about their customers, all they care about is getting their money at any cost. Like I stated above, I told each representative many times that I do want to pay you back. Just please work with me on a payment plan. And each time I was told " you signed an agreement, sorry. '' Unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The collector " XXXX '' who was working on behalf of Wakefield and Associates, contacted me looking for my spouse. Without offering my name he then asked if I was " XXXX XXXX ''. I merely had to say yes. He then provided me my address and before I could even agree to any more than being XXXX XXXX, he began to explain who he was and why he was calling. He provided the debt amounts and the different institutions the were with as well as the dates they were incurred. I did not have to provide any information of my own to confirm my identity. Merely say yes to everything provided to me. I than asked for a supervisor. Once on the phone with the supervisor " XXXX '', I explained the scenario and the supervisor took no interest in the violation. At that point they proceeded to attempt to collect on the debt. I asked what they would be doing in regards to the violation they stated they could not take action until they listened to the recording. I simply had to verify a street name, not even an address with the supervisor to confirm that I was who I said I was. I was even provided the street name. I asked them if there was any further information they needed to verify my identity " XXXX stated that street name was all they needed. XXXX asked if I wanted them to listen to my recording and then they could contact me back, to which I agreed.

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 2016-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a standard XXXX loan modification from Chase Bank. My income as reported is {$4500.00} per month. I have XXXX. The bank has refused to acknowledge these facts. Chase awarded me a modification that was 42 % of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX transferred our mortgage to Specialized Loan Servicing in XX/XX/XXXX. From then on they reported me late to credit bureaus and will not correct it, even though I have proof that I am not late. I have requested SLS several times to correct it. We can not refinance or purchase anything. I have filed with the credit bureaus more than once. Still not corrected. All payments were mailed in the month due and have usps receipts except XX/XX/XXXX which was paid online and have receipt for same. They misappropriated funds in our escrow and claim we will get a refund, but have not and then want us to mail it to mail.

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 2015-08-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On  XXXX   XXXX ,    2017  I received an alert that a collection account was added to my credit file. I did not receive any prior notice that the account was going to collection. To my knowledge, I 'm suppose to receive written notice allowing me 30 days to dispute the validity. This is a direct violation of my rights. I need to see a copy if the documentation that was mailed to me at least 30 days prior, the address the notice was mailed to and any other supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used JPMorgan Chase 's bill pay service to pay my monthly maintenance fees. The bank sent a check on XX/XX/2020 to arrive by XX/XX/2020, but the payment did not arrive to the recipient and I have been charged a {$50.00} late fee. 
I called the CFPB twice - first spoke with XXXX and then with XXXX -- both times I was DISCONNECTED. Both times, I was asked for a call back number " just in case '' but I did not receive a call back, of course! Very frustrating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-30
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Received a settlement letter in XX/XX/XXXX from Discover, we sent a check in by the requested date to settle the account. The check showed up as deposited in our bank account so we figured the account was settled. Fast forward to XX/XX/XXXX we received a letter from Discover saying the account has still not been paid even though we have documentation showing the check has been deposited into their account. On that day we called customer service to see the status of the account, and they reported the same information as to the letter we received. They had us send in copies of the check and bank statement. Fast forward to XX/XX/XXXX we received another letter from discover saying that we still owed. We have called Discover multiple times to get this situation rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-17
Company: CITIBANK, N.A.
State: TX
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 balance transfer

Complaint:
XX/XX/XXXX I initiated a balance transferred Citi card Simplicity card. I noticed the balance was still on my previous card, so I contacted the previous card and was told Citi Card did not accept/process the balance transfer. I also contacted Citi card and they can not find it, but it is on my statement and I have been charged {$96.00} for the transfer. My transfer is between two credit cards and Citi card hangs up when I am holding to talk to a representative for more then 20 minutes. I also did live chat and no one will help. Citi card states its XXXX XXXX 's issue and its clearly a Citi Card issue. I have contacted Citi card on XX/XX/XXXX, and at least 10 times since XX/XX/XXXX and today XX/XX/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 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent a series of letters to XXXX, Transunion & XXXX  with no response to my dispute and issues. I am a single parent that is now living with my parents and have been affected by covid-19. I have been reviewing my inquiries and I saw where companies have just been pulling unauthorized inquiries and i had to put a lock on it and I called the credit agencies however they left the inquiries but did lock my report as requested. I sent letters and nothing happened like I am being ignored. This is hurting me financially which is making me very emotional especially with covid happening. I suffer from XXXX  and I just need my letters to be responded to. its been over 90 days and still nothing and each time I step out my door to mail off letters in the post office i'm feeling fear of covid-19 and I shouldn't have to go out if they respond to the phone calls. I have been scammed about student loan I paid to a company and I didn't realize that in the cares act all payments are suspended and then later forgiven. I qualify for the student loans to be deleted or forgiven and the credit agency still has not upated the new legistration on student loans being forgiven and this is stressful. Cares Act 3513 A, B, C, D, & E.

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 2015-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
JP Morgan Chase sent a letter stating that they will no longer be declining charges that customers do not have funds to cover that are not enrolled in overdraft protection. They will be allowing accounts to be overdrafted and fees charged " at their discretion ''. This is a blatant violation of the last overdraft protection settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: Nelnet, Inc.
State: NJ
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:
I have requested accounting of this contract and until it can be verified, it should not be reported on my credit file. 

15USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..

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