BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-29
Company: Bread Financial Holdings, Inc.
State: NY
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:
I am receiving harassing phone calls that I have not made my BJ 's Comenity monthly credit card payment [ end of XXXX ). 
I have gone to bjs.com and clicked on link to 'Pay My BJs Perks Mastercard Credit Card Bill ' and am able to log in. After I log in, I see a message on their screen that says their website " Page not available. We are experiencing technical difficulties.

Smaller letters below that headline reads 'This page timed out or can not be found. If you need immediate assistance, visit Comenity.com and search by brand name to find the Customer Care phone number for your credit card account. '' I did that as above, and it loops me back to this same page.

I have reported this company ( Comenity Bank ). they are performing a very poor service. Everytime I try to make a payment, their website is down. They then make harassing phone calls even though I pay my bill via online 100 % of the time and am unable to do so because Comenity website is down. 

The last time I reported this- they reported my unpaid amount to XXXX, dropped my credit score, and I couldn't purchase a home when the interest rates were low. By the time XXXX investigated, the interest rates had escalated. Please have someone address the fact Comenity should be asked why their website is constantly down, and consumers should be reimbursed. I am not able to message them because their website is down. IF I wait on the phone, its a very long wait. This is customer abuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-29
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a COVID-19 Mortgage Forbearance Plan with New American Funding at the end of XX/XX/XXXX. I received a letter that my plan was approved and would run through XX/XX/XXXX. I have been constantly calling in to the Home Retention department to check in, ask questions and make sure everything is okay. Each time I call, a representative explains that as long as you call in, they won't send out a Home Inspector to make sure someone still lives in the home. Also, during this time, you will not incur late charges or have negative information reported to the credit bureau. 

New American Funding is now harassing me and engaging in unfair collection practices despite approving me for a Forbearance Plan. I have been harassed with a barrage of email and XXXX XXXX  to remind me I am behind with payments. A home inspector was sent to my home on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the individual was lurking around the house and observing our comings and goings. On XX/XX/XXXX, the individual came back to visit. She rang the door bell, kept jiggling the door handle, then left a packet of information from New American Funding. 

Another issue is that New American Funding provided an official letter stating my plan expires XX/XX/XXXX and then sent an email indicating my plan expires XX/XX/XXXX, which is quite confusing. 

I have filed an official complaint via telephone on XX/XX/XXXX and via email on XX/XX/XXXX. There are several attachments to this CFPB complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Kohl 's, I get an average of eleven calls per day. I am an XXXX worker and awaiting XXXX. They will not stop calling. They call from XXXX and as late as XXXX. Kohl 's practices are highly unethical. Eleven call a day every day, enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Derogatory Mark ErrorsA paid-off collections account is still showing as unpaid. 
An account that was closed and paid in full is still showing up under collections/remarks on my credit report. 

Account DetailsLast Reported XXXX XXXX, XXXXCreditor Name CAPITAL ONEAccount Type Credit CardAccount Status Closed - PaidOpened Date XXXX XXXX, XXXXClosed Date XXXX XXXX, XXXXLimit $ XXXXTerm -- Monthly Payment $ XXXXResponsibility IndividualBalance $ XXXXHighest Balance $ XXXXPayment Status CurrentWorst Payment Status 60-89 Days LateDate of Last Payment XXXX XXXX, XXXXAmount Past Due {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: ProCollect, Inc.
State: FL
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:
This credit bureau did not correctly validate the debt and I requested a copy of an agreement showing I legally signed and bonded to this debt and they have not sent it over. It is against the law to furnish incorrect information from a debt collector ProCollect that I have nothing to do with. This is not my debt. It has been more than 30 days and they have not sent over any physical documentation that I signed an agreement with that debt collector. By law they are required to have a copy of it on file before furnishing it 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 2022-10-29
Company: Plastiq Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
The company called Plastiq was supposed XXXX a check to XXXX XXXX XXXX, but they did not. They charge 2.85 % for the service. I incurred {$37.00} late fee from XXXX. Plastiq promised to pay me the late fee. I submitted all documentation, but they never did. They refunded me my payment, but not the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Innovative Credit Solutions
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Innovative Credit Solutions is still reporting a debt on my credit report in which they have not provided any information, this company calls and threatens that they are sending me documentation from the clerks office this company does not provide any information this is a collection for XXXX bank in which XXXX bank has removed this account from my credit reporting due to the factor its been over XXXX years since the last payment was received this company provides nothing to me this is my XXXX complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked XXXX to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had XXXX private student loans for daughter to attained XXXX that was a private school. Both loans were in my bankruptcy I file in XXXX. My attorney told me to keep paying on the loans anyway he thought it was a mistake but it was n't. After discharge the loans were closed for lesser amounts in XXXX. Sallie Mae never sent me a letter or contacted me to tell the loans were closed. I continued to pay on the loans for over 2 years and three months after they were closed. Also they did not apply any of my payments during the 5 years of the bankruptcy or the two years and three months after the discharge I paid toward the loans. I have called them five times about getting my money back. They have told me that they put the payments back into my bank account but they did not and said I would get a letter in three weeks that I never received. Call back six weeks later and was told it was in the audit department for review and it would other three weeks and never heard from them. I called again in six weeks and was told it was still in the audit department. Six more weeks I called again and now they are saying I never have had a loan with them. I called them again around XXXX/XXXX/16 and now they are saying I did have the loans and they were transferred to XXXX. XXXX said no they never had the loans and Sallie Mae has them. Now they are pointing the fingers at each other. All I know and have told them that all the checks are stamped deposit by Sallie Mae. They either owe me {$11000.00} I paid them during my bankruptcy plus {$5000.00} I paid after they closed my loans. But I do know they owe me over {$5000.00} or all the payment I made after they closed the loans. I have all my bank statements and the checks they deposited into there account from day one. They have also listed the loans as being in bankruptcy and closed in my credit report. XXXX of credit reports have removed them XXXX stills has it listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
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: Account status incorrect

Complaint:
XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX These are the accounts that I have sent out letters to to the bureau to correct the situation and I have gotten back updated letters when it is inaccurate information on my account as well as fraud. ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-10-29
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I started an application online with American Express Hilton Honors. I decided I did not want to go through with applying or getting a new card so I never submitted the application and forgot about it. A card was sent to my house. I immediately shredded the card thinking it was something I was supposed to activate. In fact Amex stole my information online and opened the card against my knowledge and will. I found out about it when I received a late fee for a service charge on the account. I have spent hours on the phone with the them. They tell me its fixed but then a late charge is still existing and effecting my credit. I can not resolve this and need help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Credit Karma, LLC
State: WA
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: Problem with product or service terms changing

Complaint:
Today, XXXX I received an email notice from XXXX XXXX about changes in it's privacy policy and extension of it to it's parent company XXXX. 

The changes are extensive and invasive, including but not limited to : * Device camera access * Device biometric data * Contact data * Data sharing with all XXXX platform partners, but no enumeration, limit or transparency as to what that constitutes. 

The email contains no opt out link, and the link to modify ones data settings redirects to try to install their application on mobile, which in turn attempts to gain the invasive camera, biometric, contact and general scraping of XXXX from the device. 

If the link is executed from a device they don't have an application for, it goes to their site where you can login, recover whatever sense of account they have for you if unknown, or create a new account. 

In my case, the account was created as part of consenting to a credit report background check for a rental agreement in XXXX 

Buried 3 links in, there is a button to limit some data collection by clicking an opt out button. 

There is no definition of what is and is not limited provided. There is no definition of their opt out in either their terms of service, or their privacy policy rendering it meaningless. 

The privacy policy and XXXX describe being able to delete your data, but the only data deletion option ( likewise 3 clicks deep ) is to delete your public user content on their site forums and reviews. 

Any attempt to modify the existing data they have for you to effectively remove it by changing it to nonsense throws a " we know that's not your name, if you've legally changed your name mail us here '' error. 

This is a violation of the Fair Credit Reporting Act, and by using their privacy notice email to deceptively market their mobile apps without any recourse to actually decline consent to the policy change with no marketing opt out link, they are also violating XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good afternoon, XXXX I transferred funds in the amount of XXXX XXXX dollars for registration of ownership in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  for object XXXX in XXXX  XXXX XXXX from XXXX XXXX ( buyer ). The transfer was carried out through the XXXX XXXX XXXX XXXX XXXX XXXX ). The transfer was made to XXXX XXXX XXXX account ( XXXX XXXX  XXXX ) XXXX. 
Due to the sanctions imposed on XXXX XXXX the money did not reach the recipient and hung in the correspondent bank. 
JPMORGAN CHASE BANK , N.A . 
XXXX XXXX Please confirm that the money is in your correspondent account. 
I need confirmation to unlock the funds. 
I need to return this money to my account in another bank or credit it to the recipient 's account. 


Payment Details Date of receipt..... : XXXX XXXX XXXX XXXX ID of the receipt...... : XXXX Payment document ID : XXXX XXXX.......... : XXXX Type of service...... : 1 Date/time comp.and shift : XXXX The compiler 's XXXX.... : XXXX JPMORGAN CHASE BANK , N.A . Status code...... : XXXX Payment pending The reason code...... : XXXX Funds can not be credited The currency of the payment amount.. : XXXX  XXXX DOLLAR The amount of the payment..... : XXXX XXXX XXXX currency..... : The conversion rate.... : XXXX : Message reference. : XXXX XXXX : Reference link.message. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Other

Complaint:
I 've sign up for Capital One 's Platinum card with a starting balance of {$300.00}. I received the card almost two weeks ago. I had to activate by phone because this website was unreachable. I have tried dozens of times to access my account online but after signing in, the page fails to load and the " site ca n't be reached ... XXXX address could not be found '' With out being able to access my account I can not manage my card, make payments, check the balance, or even see when my payment is due. This seems to be a deliberate restriction of access to account in order in incur fees

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have sent several written requests for VALIDATION of the bankruptcy shown on my credit report. No validation has been sent to me, yet they insist it has been verified and will not be reinvestigated. On XX/XX/2017 @ XXXX I called Experian and spoke with XXXX ( dept. # XXXX ) and asked HOW they verified it. He said they have people who to the courthouse to review records. I asked for a copy of the record they got. He then backtracked and advised they hire a third party company to go to the courthouse and review the records. I again asked for a copy of the report they provided with the documentation. He stated there was none, everything on their report is on my report. I stated I wanted to see the documentation they were using to place the information on my credit report. He stated they do not keep paper records. I asked for a copy of the report from the third party vendor that he was looking at on his computer. He said there was not one. I asked if he could at least provide me with copies of the documentation from each of the credit card companies that they verified all the accounts they have listed " discharged via bankruptcy ''. He said they have another department " verify '' that with the credit card companies. I asked if THEY could give me copies of proof they validated. He said they could not. Lastly, I advised that I had notified them on several occasions that they were incorrectly reporting my mortgage as " discharged via bankruptcy '' which is not true. It was sold to another mortgage company and I sent them a letter I obtained from the new mortgage company stating same - and they still have not removed it from the report. He said he does not see a copy of a letter in his computer so he can not remove it. It is shameful that these people are ruining lives by limiting access to credit using incorrect information! They clearly do not verify or validate anything I have disputed - they look it up on their computer and say " Yep, it 's verified '' and move along. I asked XXXX how they could write a credit report with all this harmful and incorrect data and can not even provide me with proof that they validated the information. He flat out had no answer. I have sent them proof that the address for the mortgage they are reporting as discharged is incorrect, that XXXX does not even have an account for me any longer and they still have not removed those items either. Is n't reporting incorrect information punishable by a fine for each offense? Should n't they be able to provide proof via legal documentation and means of the Bankruptcy and associated credit cards showing as discharged? Please take them to task and make them do what 's right and delete negative items that they have validated. Thank you.

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 2022-10-30
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2020, I admit I was late in making payments to the creditor XXXX XXXX for {$310.00}. XX/XX/XXXX, I received a payment document from NCA regarding the debt. On XXXX, I spoke with NCA and decided on paying the 50 % option of {$150.00} to settle the matter. Also during this call, the representative told me that this was not going to show on my reports but it has. I've tried many times to have this removed through XXXX and NCA XXXX XXXX, and XXXX but all they keep telling me that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: AMERIS BANCORP
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my pay check into the Atm and it ate the check. I went inside and the teller was going to go into the atm and retrieve the check when the bank manager stopped her and said they had to do a report. He was very rude to me. I called customer service and couldn't understand the woman not could she understand me. She did say they would do a report and investigation and contact me in 48 hours. It has been 2 weeks now and nothing.  I went to the bank today and talked with manager and " there is no record of any transaction" I took the paystub that showed the amount and check number. She was rude and had an attitude with myself and my mother who went with me.  Basically wanted us to do their job which duh I can't do!  The original date when the atm ate the check  was around XXXX XXXXAlso. The day Ameris took over XXXX my bank card was in a glitch,. Our car was in the shop and I had to XXXX to work. I couldn't XXXX as they froze my card for no apparent reason. As a result I lost my job missing work due to this.  They did however fix the card issue when I called them .  Excuse for card not working was the change over from XXXX XXXX to new owner Ameris. Then they loose the deposited check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1 ) Debt collector placed negative information on consumer 's credit reports without notifying consumer. 2 ) Debt collector has not validated such debts under Section 803 of the FDCPA. 3 ) Debt collector is re-aging accounts in an attempt to keep them on consumer 's credit reports longer, and 4 ) Debt collector is calculating and reporting amounts different from those of the original creditor ( s ). Please see corresponding complaint # XXXX.

Company response to consumer: Closed with explanation