BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a line of credit in XX/XX/XXXX that was linked to my checking account ( had same account number for the LOC ). My husband filed bankruptcy XXXX, but I did not and I continued to make on time payments for 3 years..until XXXX and the online payment option was no longer available. I called Bank of America to find out why I could not make my XXXX payment on XXXX/XXXX/15 at XXXX and spoke to XXXX, who assigned me a case # XXXX and then spoke to XXXX in the escalation group. He informed me that they charged off the account on XXXX/XXXX/15. I told him that could n't be because I had not even had any late payments in over 3 years, but he said it was because my husband was joint owner of my checking account. I explained that I did not file Chap XXXX and I was primary on the account. I told him I HAD to make my payment and he said there was no way for me to pay it because it was charged off. I said there 's no way with my job that I could have something like that on my credit and he needed to find a way for me to pay them. He insisted that was not possible for me to pay the account and that he GUARANTEED it would not show up on my credit. I pulled a credit report on XXXX/XXXX/15 to find there was " no data '' for XXXX and the remaining months show charged off. I called Bank of America again on XXXX/XXXX/15 at XXXX and spoke to XXXX who said she would take the payment for the total amount and I said I needed to talk to a manager before I did that. She assigned me another case # XXXX and that someone would follow up with me about this. No one has called me or mailed any further information to date ( XXXX/XXXX/15 ). If they were going to charge it off due to my husband 's bankruptcy, I should have had some warning so I could have paid it in full to avoid having a charge off on my credit. If they did n't have to give me notice of this, why did they take nearly three more years of payments after the bankruptcy? If XXXX was willing to take the payment on XXXX, why would XXXX not accept the payment on XXXX? XXXX and this is critical to my job. The way they 've reported this is fraudulent because the loan was charged off before it was late and then I was blocked from paying it until they reported the negative information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: Southwest Credit Systems, L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX. I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased XXXX gift cards from XXXX. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted XXXX for assistance and they told me they would take 4-6 weeks to investigate and get back to me. They also asked me to send in multiple documents and proof of purchase. I did all that. 

As of now I 've only received the funds back on only XXXX of the cards. I 've tried asking for updates on the other XXXX cards but I still get quoted the same line : " please wait 4-6 weeks for our investigation to finish. '' When I tell them that I already did, they do n't have much to say, but apologize that " they understand. " I do n't know why it 's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what 's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the date we scheduled the oral XXXX, we paid our portion that was owed for XXXX. They billed the insurance for the remainder. We never heard from the doctor again, and now have received a collection notice when we were told that the out of pocket we paid covered everything.

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 2021-03-12
Company: JPMORGAN CHASE & CO.
State: CT
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:
XX/XX/2020 I had to call Chase to dispute a product because the seller never provided accurate contact info and never responded to emails. I paid for the product on XX/XX/2020. I got the product but it was not the dimensions I had paid for. The representative on the call XXXX XX/XX/2020 XXXX advise me to hold on to the product and await further instructions/communication. The next communication I receive from Chase on XX/XX/2020 stated that my dispute was closed in favor of the merchant with several reasons listed including me not returning the product. I immediately called Chase and a different representative advised me to write a physical letter to Chase to reopen the claim and to return the product to the merchant. I then returned the product via XXXX to the merchant, wrote the letter to Chase requesting to reopen the dispute along with photos of the product I received and the paid invoice that describes the product as proof that I didn't get what I paid for which was XXXX and XXXX tracking number of the return. I was required to fill out a physical form and mail to Chase to reopen the dispute which I did with a note that I had provided all the information for the dispute already and to check my records/files. I received notice it was denied again for not having enough information from me and the charge of XXXX was put back on my account on my XX/XX/2020 statement. I would like to know why the resolution of both disputes for the same purchase was ruled in favor of the merchant for two different reasons and why they feel that the multiple photos, invoices, bounce emails I provided was not enough to show that I did not get the product I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: MI
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:
I have several loans with Navient from XXXX XXXX. When XXXX XXXX closed I contacted Navient to resolve the issues with XXXX fraud. I have filed a borrowers defense application with Navient and they have continued to charge off my loans, report to my credit reports etc. They have not taken the time to even review the application after faxing and emailing it. As it stands now they have damaged my credit report beyond repair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. XXXX. Loan # XXXX XXXX # XXXX. I, XXXX XXXX, power of atty for the homeowner with the reverse mortgage, XXXX XXXX XXXX. 
I, XXXX XXXX, with POA on file with PHH, have requested 3 draws for line of credit in order to pay for my mother 's needed health aides as she is not well and requires assistance. All 3 requests have been denied WITHOUT notice - as I wait for the funds. The first time, when I called to inquire on the funds, they said it needed to be notarized with " Power of Attorney ''. The 2nd request was denied because they said it was signed incorrectly ( after they instructed me how to sign it ) by signing " attorney in fact ''. A third request was signed as instructed and notarized. Without notice, this way also denied stating the signature went beyond the signature area. It is signed on the line and not past it. It is notarized. When I asked to speak to a supervisor after being placed on hold for long periods of time, I was informed there are NO SUPERVISORS OR MANAGERS available to take my call. PHH is refusing access to my mother 's equity. I am unable to pay her bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX & XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
CITIBANK has violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached its duties as fiduciary trustee by harassing me regarding this alleged debt. They have repeated called me 5 times a day, on weekends, in the evenings, and in the early morning which is extremely inconvenient and a violation of their cease and desist. CITIBANK received a written cease and desist letter on XX/XX/2022 and continued to call repeatedly violating the law.

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 2017-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I attempted to open a saving account with Capitol One online this morning. The online site referred me to a security phone service personnel who refused to accept my saving account application, but more importantly they also refused to provide any basis for their action. I do n't understand how a request for a simple saving account involving no line of credit or check writing privileges would be turned down, particularly that my credit rating is quite high. Moreover, I thought I had protection from secret personal credit information by Federal and State statute. As of now, I do not have the account I applied for and I am left with questions about totally unknown personal information held by this bank that they will not reveal. I do n't know if this will happen again or how it will effect my future relationship with other banks or credit bureaus or how it might effect my future employment prospects. It seems XXXX has a practice of secret dossiers on consumers. I have no doubt that whatever they think they know about me is wrong, but I have no means of correcting the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have asked NAVIENT via the required forms to release my father as a cosigner. NAVIENT insists that they never receive my US Postal mail, even though I have certified it and have proof that they have indeed received it. This game has gone for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Duvera Billing Services, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/XXXX i went to store named XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to buy a couch and a end table for my living room. when i got to the store they offered me a loan from XXXX XXXX, they told me there was a 90 days promotion for the loan, if i pay in 90 days i would not have to pay any interest. they said that i would pay the exact amount due plus only {$40.00}. i bought the couch and end table for {$1700.00}. i had to called XXXX XXXX a few days later for the 90 days promotion, they told me i was eligible for the 90 days promotion, but when i called them to make my first payment, they told me that i did not have 90 days anymore, that i had to pay in 2 months. otherwise i would have to pay them 184 % of interest. i accepted to pay in 2 months to avoid the 184 % of interest. I made the first payment on XX/XX/XXXX ( {$870.00} ). before the XXXX payment i called them to have the due date change from XXXX to XXXX, they accepted. on XX/XX/XXXX they took {$870.00} from my bank account. the same day, a few times later a received a text message about a return payment. i called my bank, they told me that there was no return payment but XXXX XXXX just took a amount of {$870.00} from my account. 
the next month i received text message from XXXX  about a payment i had to make, so i called them, they said there was an issue with the payment and because of that i have to pay the XXXX XXXX  of interest. i told them that the loan is already paid off, i owe them nothing but since that they send late payment information to the 3 credit bureau about me. and because of that my credit score is messed up : i lost XXXX point the first month. i hired a credit repair company name XXXX to fix that for me. XXXX disputed the information to the XXXX, they closed the account. but XXXX XXXX keep sending late payment about to the other credit bureau and my credit score is affected each time, and now my banks started to decrease my credit limit line, i have been refused a refinance for my car. i reaaly dont know what to do. when i made a research on goole about XXXX XXXX, i found a bunch of people complaining about the same thing, that means i am not their only victim. they do the same thing to a bunch of people. i even found a law firm that use to sue them for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX SC, XXXX XX/XX/XXXX Last 4 of SSXXXX : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2015-07-18
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/XXXX, Chase sent me a loan modification mortgage assistance package. In a letter dated XX/XX/XXXX, Chase approved me for a Trial Payment Plan ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). 

At page XXXX, paragraph XXXX of the Trial Payment Plan, it explicitly states that once the modification is complete, " Chase will report the modification to the credit bureaus as modified under a federal government plan or loan modified based on the modification type and will report my loan as current if payments are received within 0 to 29 days of the due date ''. I complied with the terms of Chase 's Trial Payment Plan, and Chase did not report to the credit bureaus. 

XX/XX/XXXX, Chase offered to modify my loan and I accepted the offer. The purpose for the Agreement was to modify my original loan with Chase. The Agreement remains in effect. During a recent application for consumer credit, I was informed that my modified loan and related payments do not appear on my credit report. 

Chase 's Agreements contain various loan provisions, including enforceability, obligations, maturity dates, and payment schedules. Such provisions clearly relate to both parties financial and /or legal obligations to comply with the terms of the Agreement. 

It is unconscionable for Chase to not comply with the terms of the Agreement regarding reporting the modified loan to each credit bureau. It is clear that despite numerous lawsuits against Chase, its practices continue to be anti-consumer and breach the terms of its Agreements. 

My request is for Chase to immediately notify each credit agency ( XXXX, XXXX and XXXX XXXX ) of the modified loan and report all payments under the Trial Payment Plan and Modification Agreement. These payments are from XX/XX/XXXX going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
I have made attempt to contact Capital One for over a year in regards to my account. I spoke to a representative a few months back and asked her to send me the information they used to report my account as a charge off to the credit bureau. Instead of sending me the information, they sent me a form to fill out. I sent the form back twice and they never sent me the information. They have yet to verify the information that is reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-31
Company: Experian Information Solutions Inc.
State: CA
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:
Investigation took more than 30 days and letters were sent out on this date XX/XX/22

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