BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
I got a credit card from Capital One in the XX/XX/XXXX 's. I was told it had a {$200.00} balance. I went to a local store later and tried to use it but the cashier said it needed to be activated. I went back home and called Capital One and they told me I had to put money into the account before I could use it, I could activate it when the money was paid. After deciding I did not want the card I called and cancelled it in XX/XX/XXXX/XX/XX/XXXX. In XX/XX/XXXX, I receive a letter telling me my card had been " restricted per my request '' but my account was continually charged to a total of over XXXX dollars. Prior to that in XXXX XXXX, I received a letter saying my account was suspended. They have been charging me fee 's of all sorts ever since then, have dragged me into court and have now garnished my wages for over {$1500.00}, and the card was never activated or used for any purchases or charges of any kind. In XX/XX/XXXX, I was found in default for not appearing in court so they awarded them XXXX plus dollars, when I went to court just recently in XXXX XXXX they awarded them over XXXX plus dollars. I owe nothing on this card, never used it, never activated it, even cancelled it. Even Capital One has no record of my card and when I asked her why that was she said, " well, the card would have to have been activated and used for me to have any record of it. '' Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't own a XXXX account at all.

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 2015-10-27
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On X/X/17 I spoke to chase about charges to my account that were n't authorized by me. ( XXXX XXXX XXXX {$89.00} and  XXXX - {$87.00} ) I put in a claim and they reimburse me. On X/X/17 After the investigation they gave the company back the money on ( X/XX/17 ) said they had enough proof ( the Proof was My address and Phone Number ) to claim I did order the products and there was nothing they can do and I should call the company XXXX. I told Chase this was unacceptable and this is not proof. I lost this dispute because they verified my Address and Phone number - Not proof of delivery, not a Signature Not an Email Address or Chase Rep. told me today, they could n't verify my IP Address this purchase was made from. I called the company XXXX this morning and they told me they notice I did dispute the charges and I lost the dispute and there is nothing I can do. *Attach is the proof of unauthorized funds taking from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My 18-year VISA card through Bank of America was cancelled without notice. I have been managing payments on this account through the iPhone app and online for the last several years without any problems. 
I called an spoke to an agent who told me that the reason for cancellation would be explained in a letter being mailed to me within one week. 
I received a letter saying that a payment for the account had been returned unpaid ; this is incorrect. The app on my phone indicated that a payment had been made when I submitted it but my bank never received or responded to the request. I waited a few days and resubmitted the request, which was funded immediately. 

Now I have a letter saying I 've been charged an outrageous 'fee ' for the 'returned payment ' of {$1000.00}. No acknowledgment that this was an error of their phone app or that the account has always been in good standing since 1998. The letter further asks me to call XXXX to arrange payment but the computer then tells me I do n't owe any payment at this time. 
No options for discussing with an agent/representative.

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 2017-03-20
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently filed a complaint against Chase Credit Cards ( Chase Bank ) and am still awaiting a resolution. The number of that complaint is : XXXX ]. Since filing this complaint, another serious issue has surfaced. I just got a new credit card from Chase with a new account number which is unacceptable because I did n't know of any problems or that my account was compromised in any way. When I called Chase Customer Service this morning to find out why I received a new card and new number, I was told that fraudulent charges appeared on my account. I never reported any fraudulent charges and I check my account on line several times a day and never saw any signs nor did I have to report any fraudulent charges on my account ending in XXXX.. About 6 months or so ago, I did report a fraudulent charge on my account ending in XXXX that came from XXXX and realized at that time they were going to issue me a new credit card with a new number. Although it was inconvenient, I knew I had no recourse. However, at this time I am adamant about Chase advising as to who reported a fraudulent charge and/or who the merchant was that posted the charge to my account. Chase is overstepping their boundaries as far as I am concerned and making changes that should not be made to my account. This is causing me a great deal of stress and aggravation because I have debits coming out of my account ending in XXXX and do not want to be embarrassed by having the charges declined. I am also going to contact an attorney to see if I can get a final resolution of this matter. I only disputed a few charges for not getting the product ( s ) that I ordered but certainly not because of any alleged fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.

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 2017-03-20
Company: Navient Solutions, LLC.
State: VA
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 applied for a student loan in XX/XX/XXXX and was approved in XX/XX/XXXX for income based repayment. my payment was for XXXX . every month there were issues of the repayment not being applied to all of my loans, building interest on forbearance. this has happened many times with in 1 year. then they had me repay the loan and make payments out of the blue. when I call I am assured everything is fine. I am again being charged too early for my repayment plan. I am tired of the lies and the extra interest this company is making off of me for their errors. that is fraud. I have just renewed my repayment plan last week as I was told it renews in XX/XX/XXXX. I am being charged as of XX/XX/XXXX. I call all the time to correct the problems and they tell me its all fine but it never is and I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: BTH Management
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent a cease and desist to the CCO of Plaza Services , LLC requesting all documentation the company has on the alleged debt obligation it has listed on my consumer report. XXXX XXXX, or a representative, failed to respond to my request. This company continues to harm my financial reputation without providing any documentation to support their claim. I never gave this company permission to be on my consumer report. Further, the company has no legal standing to harass me in this regard. Their violative business practices are defaming my character. Lastly, the company failed to update the account in question on my consumer report after I notified the company of the dispute. This is also a federal violation. All of these statements above are facts which will be proven in a court of law should the company continue to harass and defame my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo working with an insurance firm in Florida, allowed this firm to take monthly payments from my bank account of XXXX monthly. I never authorized these payments this started in XX/XX/XXXX and went until XX/XX/XXXX. I went to the manager of my branch who told me they had a working relationship with this firm in Florida, I told her  i never authorized these payment nor bought this insurance from them, and asked her to show me any authorization from me.Which she never could, so they decided after some time  had passed she said they would pay me for three months or so since It was my fault for not checking my statement more closely. I would like full restitution from Wells  Fargo. I have the bank statements showing them automatically making these unauthorized payments.

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 2016-10-12
Company: Essential Lending Inc
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
My bank is XXXX in Illnois. I notified Essential Lending ( now XXXX ) that I was revoking their access to draft my account. I sent the request by fax and did receive a call back that the update was received. The notification was sent XX/XX/2016. Today, XX/XX/2016, they attempted to draft my account {$190.00} which resulted in my being charged a {$29.00} overdraft fee. I am in the process of opening a new account to avoid this from occurring again but wanted to make sure a complaint was filed for going against my requst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: PHH Mortgage Services Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage Services, XXXX XXXX, NJ XXXX. 
My mortgage servicing company PHH Mortgage Services, XXXX XXXX, NJ XXXX. This company has been harassing me and my family for over XXXX months. They call many times daily and they consistently mail threatening letters of harassment & threats. They say I am behind on my payments. However, I have never missed a payment. I try my best to explain to the bill collectors that constantly harass me and my family and sometimes some of them even get it. I mean they can actually see that I never missed a payment. However, that recognition by some, never stops the harassment I receive from all the other PHH collectors. I even have supervisors who are not willing to see that there has been a serious mistake made on my account. This must stop now. PHH Mortgage Services, XXXX XXXX, NJ XXXX. Must take the time needed to fix this ongoing injustice and it most certainly will take someone for the Corporate office to correct and compensate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: First Associates Loan Servicing LLC
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My PEAKS loan ( 1st Associates collects on the loan ) is in default. I have made an agreement to pay {$80.00} a month but havent been able to due to other debts. Now that I have cleared smaller debts I 've attempted to keep good on my word and make my first payment. Instead of talking to someone I attempted to pay online with my debt card. That option was unavilible for me. Next I tried calling in and paying over the phone. After putting in my information I was " directed to a customer service rep '' 3 times but instead of talking to anyone I was sent to the main menu. 

I defaulted on my loans due to unemployment and only recently found a job. Had PEAKS or 1st Associated helpped me when I was unemployed and not just during my grace period I may not of defaulted. This is my 2nd complaint reguarding this company. I still till this day do not know who owns this debt and am frustrated when attempted. I do not want my wages garnishedI just want to bring my account current and stick to the $ XXXX monthly plan we agreed on. Not be fooled with when I attempt to pay or get the run around. I dont need a rep telling me what I owe. I already know! I want to and need to pay what I can and pay it either other phone through the automated system or online. I called twice on XXXX XXXX around XXXX CA time. I dont have a check book and will not be sending checks. Using my debt card is far more convient and prevents the hassle of waiting on an echeck or on pending fund being pulled from my bank account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid off the debt to XXXX and it was sent to collections to Solomon and Solomon pc which was paid off in full. I called XXXX myself the balance is at a XXXX balance. I checked My credit report and noticed a collection agancy names XXXX had the same amount and debt I paid off already last year. I have not revived any comminicstion from them at all. And seen it on my XXXX 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 2015-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Our Grandson ( who resides halfway across the country ) listed us as a reference when applying for something. Though we are not sure what. 
We are a elderly/XXXX couple in our XXXX. We have repeatedly informed 'Portfolio Recovery Services ' to stop calling as we no longer have contact w/ our grandson. As we were used ( without prior notification ) as references. 
The debt collectors # XXXX-have literally ignored our verbal request to discontinue calling. At this point, it has become harassment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I filed for Income Sensitive Repayment plan by the deadlines I was given in both XX/XX/XXXX and again in XX/XX/XXXX to Navient. Due to their delays in processing, higher payments were auto deducted from my checking account both times. Navient takes 2-3 months for processing then the loan borrower is charged a higher payment even though they are eligible for a reduced payment. Both times I spoke to customer service to be sure that processing would be completed prior to the date that payment was scheduled for auto deduct. I was assured both times that my information would be processed prior to payment date, yet, when payment was due the higher amount was taken out and future phone conversations with Navient reveal that only then did they attempt to " expediate '' the processing of ISR plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Chime Financial Inc
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a router from XXXX XXXX on XX/XX/2023 that was supposed to come with a 30 day free service. On XX/XX/2023 XXXX charged me {$110.00} for one month of internet service when my router was delivered. The service was not good so on XX/XX/2023 I contacted XXXX to cancel my service and return my router. I was assured by XXXX that I would get a full refund for the router and the internet service. 
I returned my equipment on XX/XX/2023 and it was received by XXXX on XX/XX/2023 via certified mail with signature required. On XX/XX/2023 I was charged {$110.00} for another months internet service- even though I had already cancelled my service on XX/XX/2023. I disputed the charge with my credit card company Chime XXXX XXXX, I also notified XXXX that the charge should not have been made as my service was already cancelled. On XX/XX/2023 I received an email from XXXX stating that they were refunding the charges for the router and the monthly charges. On XX/XX/2023 a credit for {$110.00} for the XXXX charge was issued on my Chime XXXX XXXX card. XXXX said on XX/XX/2023 at XXXX that they could not refund the XXXX charges because it was disputed by my bank. Chime says everything was refunded by XXXX on XX/XX/2023 in the amount of {$110.00}. No matter what I say or try to explain to either company, even with all of the conversations and invoices I have, neither company wants to give me back the {$110.00} from the XXXX invoice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Personal Information that is not my name, misspelled inaccurate I want it removed, name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address not mines : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, phone number to be removed 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