BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Applied for a Bank of America credit card and was told there would not be a deposit fee, after signing up they deducted XXXX  dollars from my account for a security deposit. None of these fees were made aware to me. I called them to get my money back and close the account they read me a non disclosure agreement and told me it was closed. Furthermore I would have to wait 14-21 days for my refund. At the end of that time period I did not receive my refund so I called again and they told me the account had never been closed. As of XX/XX/19 I have called again and have to wait a further 14-21 days for confirmation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN : XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$1700.00} XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : Balance {$1400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}

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 2021-04-15
Company: LoanCare, LLC
State: CA
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:
I am currently in a forbearance on my mortgage and my mortgage lender has been reporting mortgage lates on my credit, I am protected by the CARES act so the mortgage company can not report any lates on the account due to the forbearance. I have never been late on my mortgage previously to the forbearance, I requested LoanCare mortgage to correct the issue and they keep transferring me around and stating that they didn't receive the request even though I received a confirmation on the submission of the request. Please Help

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 2022-08-31
Company: Convergent Resources, 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: Old information reappears or never goes away

Complaint:
Inaccurate information such as my name spelled incorrectly. Wrong addresses, collections were supposed to be deleted and it's still there.

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 2017-08-28
Company: JPMORGAN CHASE & CO.
State: CA
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 rewards from credit card

Complaint:
I have an issue with the Ultimate Rewards program. The first thing I see when I login on the left side is my Ultimate Rewards balance of XXXX total point as of this moment that I am writing this. Upon clicking on it, it displays the XXXX credit cards with their respective " current '' point balances and asks me to select one. After I select the card account that has XXXX points, I hover over to the top right where it displays XXXX points and then select combine points. On the combine points screen, I select to move XXXX points to the other credit card account with XXXX points. I then select the option to move all my points. After I press Review, on the next screen I click Confirm & Submit. Then I get the message " An unexpected error occurred. '' I called customer service today and spoke to XXXX. She said since the account was closed in XX/XX/XXXX, I had to have used my points within 30 days. I did not know that. If that really is the case, then why does it say that my " current point balance '' is XXXX points? If I am not allowed to use the points that I have earned then why does it say that those points are my " current point balance ''? She was not able to give a satisfying answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So the first issue is that I cashed my Pennsylvania XXXX XXXX XXXX XXXX  for {$520.00} and it was supposed to go on my Chime Card however that was back on XX/XX/XXXX and STILL it's not there and XXXX has proved the check was cashed and put in chime so I don't know what they have done with my money but they are very rude and ignore customer support emails and even hang up on the phone and this is really frustrating and then the second issue is there are unauthorized charges on my account two months in a row and they keep denying the dispute for them like how is this even legal? Something should be done for sure because it seems they steal money and one time they even claimed that they found the check and it was processing and it'd be in the account the next day and that was over 3 weeks ago at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: KY
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:
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

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 2017-04-19
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been enrolled in an auto pay plan wit h Navient for th e past 2 years. I have made each payment on time and some months early. I called due to my financial situation changing ( we have a  XXXX  and my husband lost his job ). I am now the sole income for a household  of 3. I inqu ired on a hardship or reducing my payment amount so that I can make ends meet at home. I advised them I want to continue to pay and remain in good standing but I 'm not able to do so at this payment amount. I was bluntly informed there were no other payment options available and my payment was not going to be reduced because it is a private loan. I attended  XXXX   XXXX  when I obtained these loans through  Sallie Mae

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I gave XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. There were some issues surrounding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe that this issue was due to provider neglect. Further, none of the providers had followed up with me to check on my well being or explain why the traumatic experience had happen. 

After I was recovered from the XXXX I began receiving medical bills. I was in communication with the clinic on negotiating a payment, as my deliver seemed to not be properly billed to insurance. Additionally, I have communicating to the clinic about how I shouldn't be responsible to pay for a delivery that resulted in a very negative experience. 

Not shortly after the delivery, my medical bills were sent to collections. Within the short period of time that they were in collections at CBB, inc XXXX XXXX XXXX, I was in communication with the debt collector. I had notified them the issues surrounding insurance and that fact that I was working with insurance and the clinic to resolve my debt issues. 

On XX/XX/XXXX, I received a notice that legal action is being taken against me. I do not believe that CBB Collections has sufficiently put forth an effort in contacting me before taking legal action. Additionally, I had been the one to make the initial phone call to arrange a payment plan in XXXX of XXXX, which I had done. When I spoke with the debt collector on XX/XX/XXXX, he had mentioned that the payment plan wasn't complete and I had failed to sign a contract implementing the payment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
5/3 Express Banking - {$500000.00} Available Account Summary Ledger Balance : - {$16.00} Recent Activity View by Statement Keyword Search XX/XX/XXXX XXXX Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$40.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$33.00} XX/XX/XXXX Merchant Payment - XXXX XXXX # XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$30.00} XX/XX/XXXX MERCHANT PAYMENT - XXXX XXXX XXXX- XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$29.00} XX/XX/XXXX DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX, FL ON XX/XX/XXXX FROM CARD # : XXXX - {$22.00} XX/XX/XXXX XXXX Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl On XX/XX/XXXX From Card # : XXXX - {$20.00} XX/XX/XXXX DEBIT CARD PURCHASE AT for XXXX XXXX , XXXX, CA ON XX/XX/XXXX FROM CARD # : XXXX - {$13.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX 's XXXX, XXXX, Fl On XX/XX/XXXX From Card # : XXXX - {$11.00} XX/XX/XXXX Debit Card Purchase At XXXX XXXX XXXX , XXXX, Fl On XXXX From Card # : XXXX - {$10.00} XX/XX/XXXX MERCHANT PAYMENT XXXX XXXX # - XXXX XXXX XXXX XXXX XXXX XXXX FL ON XX/XX/XXXX FROM CARD # : XXXX - {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continued robo-calls to old telephone number belonging to family member ; I assume they 're attempting to collect a debt which was paid in full 7 years ago. These calls do not state the caller 's name but "  Navient '' a ppears on  Caller ID. These  calls only state " call  XXXX   (  number varies ) ; no further info is provided. Sometimes the number provided for a call back is only  XXXX  digits so is an incomplete telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX and XX/XX/XXXX a representative from Capital One Auto Finance called me by the name of XXXX. He would call, let the phone ring and when it stopped he would call back right away. He did this three times in a row and would leave a message. This happened on the two above dates. 
On other instances Capital One would have representatives call and leave a message and then call back two more times within one to three hours after the message was left. I contacted Capital One through e mail to advise of those instances. 
I called Capital One today and advised them of the how XXXX was making his phone calls and that it seemed harassing. 
I advised the representative that I would be filing a complaint with the Federal Trade Commission and with the XXXX XXXX XXXX so there would be a public record. 
She did say she would get this taken care of and have it looked into. She offered to transfer me to the office of the president for Capital One. I advised her that it would not be necessary since I sent an e mail on the first instance and had a voice to voice with her. I advised I was filing this complaint because I had already contact Capital One about leaving a message and them making two calls afterwards and then this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from XXXX XXXX back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

TransUnion is at fault for 2 day back to back impact that is not by law considering I was not applying for 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 explanation
Consumer complaint received 2021-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX and TransUnion are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to XXXX XXXX  and TransUnion since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on 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 2022-08-31
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a letter in the mail with a Visa Debit Card stating, " You're In! Welcome to the club. '' The letter instructed me to activate the card, load it, and swipe. On the bank of the letter is a routing number and account number for the debit card through XXXX, XXXX. On XX/XX/2022, I called and email Netspend and XXXX. Netspend was able to verify my social security number. At no point in time did I ever provide my social security number to Netspend, XXXX or to any of their partners to open this account. I attached the letter, debit card, and account information received from Netspend and XXXX. I blanked out all but the last four of the debit card and last five of the checking account so that the Companies may verify their information in this letter. 

On XX/XX/2022, XXXX XXXX of Netspend contacted me because of CFPB complaint XXXX. In her email to me, she stated that a second account was opened : this report is for the second account. The account was opened at a XXXX location. 

XXXX stated that she would close the accounts and prevent my name, address, and social security number from being used to open additional accounts at Netspend. This action does not go far enough as Netspend, XXXX, and XXXX allowed for the use of my personal information, including social security number, to allow for fraudulent activity to occur on an account I did not open. Netspend, XXXX, and XXXX failed to require proper ID for the opening of the accounts. 

It is unknown how the individual opening the account had access to my social security number.

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 2017-09-09
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: KY
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:
by XXXX deposit bank on XX/XX/XXXX I paid {$5000.00} on my account which would have been almost 12 payments which in term would have put me almost 12 months ahead. I continued to make my payments after this and I paid the loan off by XX/XX/XXXX. 
even though I paid ahead I was charged 35 late fees and counted as late even though I was a year ahead and I still made monthly payments. 

then XXXX XXXX and XXXX XXXX say I owe them money that I do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These people keep calling my mobile number and do not leave a message. They are using various XXXX area code numbers which is my area code. They are in South Carolina. I called the number to see what the name of the company is. I have no idea who they are or why they are calling and have never received anything in writing from them. Any debt I previously owed is over XXXX years old and past the Statute Of Limitations in Texas ( 4 years ) and not showing up on my credit report or has been charged off. I do not want to receive calls from this company again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, XXXX XXXX XXXX account # 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 an account without my written instructions.

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 2019-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XXXX  forced me to take this loan back in   XXXX  , the original amount was {$5000.00}, and it was service by  XXXX   XXXX , since then I 've having been paying this loan on time but I still owe about {$3300.00} on the loan, it 's has been 15 years I have been paying this loan alone, if this was a car would be done by now. I like to complaint about  XXXX   XXXX  Navient that ripping off students like me, and they still doing this to other students.

Company response to consumer: Closed with explanation