BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
For the travel rewards credit card on my account, there was a single instance where payment was delayed by 30 days from the due date. This was for a total bill of {$130.00} and this was the first such delay in over 10 years of holding an account with BoFA ( or any other creditor ). 

The reason for the delay was due to 3 different reasons 1. My dad 's deteriorating health followed by his eventual passing in XXXX. This meant I had to spend a significant time out of the country tending to his health issues for well over a month 2. The lack of a clear and obvious way to set up autopay on any bank of america credit card. 

3. The lack of alerting that let customers like me know that a payment was due or close to being 30 days overdue. 

As a result of this, I was both penalized by BofA and a 30 day delay of payment was reported to my credit reporting agency. When I contacted BoFA and explained this situation inXX/XX/2020,  the customer service person both understood the issue and expressly assured that an exception would be made and that the ding on the credit report will be removed as a one time courtesy. 

In early XXXX, I was informed by a letter that the ding will NOT be removed. 

Since late XXXX, I've been trying to reach customer service without success because of extended wait times. 

Going through the traumatic experience of my dad 's passing has been strenuous enough. It's incredibly disappointing to see Bofa treat a long-term loyal preferred gold/platinum customer 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 monetary relief
Consumer complaint received 2020-06-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive collection notice from ARS ACCOUNT RESOLUTION in which i have never done business the original creditors is listed has ARS ACCOUNT RESOLUTION which i have never done business has well i receive a letter from XXXX XXXX XXXX, XXXX with copy of bill from ARS ACCOUNT RESOLUTION which does not validated a copy of bill does not substantiate debt

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 2021-06-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit agencies are not willing to correct information that XXXX XXXX has put on my credit report. They put my account closed as of XX/XX/XXXX and it was in good standing and did not get closed until XX/XX/XXXX after I contracted COVID and was in the hospital. XXXX XXXX  will not remove the incorrect information nor will XXXX I am trying to purchase a home and these late payments are hurting me. The late payments should have not been posted due to being affected by pandemic.

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 2015-05-19
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
During our vacation in XXXX 2015 my wife and I were involved in XXXX XXXX XXXX XXXX XXXX scam that included opening XXXX RCI Elite World MasterCard. Realizing our mistake, we cancelled the timeshare within the rescission period, contacted XXXX next day to request the payment to XXXX XXXX XXXX XXXX be stopped, and spoke with Barclay Bank to cancel XXXX our cards. A week later, I received a letter confirming the cancellation but with a balance in the amount of down payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My loan balance, has increased considerably over the last year, I was told would have a smaller monthly payment, that has not ever happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Seattle Service Bureau, Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from NATIONAL SER. I had previously disputed this account. I have never done business with NATIONAL SER. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that NATIONAL SER Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NATIONAL SER Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed
Consumer complaint received 2015-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Arbitration

Complaint:
I had a capitalOne XXXX credit card since XX/XX/XXXX. I provided this information to XXXX of the vendors ( XXXX 's XXXX XXXX XXXX ) for autopay. There financial services is XXXX XXXX XXXX based in MA. During the month of XX/XX/XXXX - I asked that XXXX XXXX XXXX company that my kid wo n't be coming since XXXX week of XX/XX/XXXX so stop charging my card. I was going out of country for more than a month vacation. The merchant also agreed and I had all the email communications with them. Later merchant charged my card - i found it and asked CapitalOne to block this merchant and their transactions going forward during XXXX - via chat and secure message center. And also opened the dispute with CapitalOne. But Capital One could n't block that merchant ... transactions keep on happening even after that. Finally i closed the account also ... CapitalOne was provided all the possible documents to investigate this issue ... did a lot of follow up with CapitalOne and come to know that dispute will be in my favor ... Later merchant refunded some amount also. I had XXXX item that i had purchased from XXXX which i refunded using this credit card. XXXX refunded this amount into my closed credit card. I reached CapitalOne to refund that money to me via check ... they agreed but they refunded another {$100.00} to the merchant once again??? - i do n't know why they did that ... later i need to keep on following up with CapitalOne ... on XX/XX/XXXX - myself, CapitalOne and merchant had a XXXX hour call ... merchant agreed to pay the money after getting the statements from me. CapitalOne make the merchant understand everything ... send me the statements ... i sent the statements to the merchant also ... they were suppose to refund back my {$100.00} which capitalone gave on XX/XX/XXXX ... But now merchant is not ready to refund back as they are saying that they dont owe me anything ... CapitalOne 's billing statement and overall dispute process is so complicated that it 's very hard to understand what 's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: U.S. BANCORP
State: CA
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:
We filed a claim in regards to fraud charges multi times, sent out explanation letter requesting further investigation but got ignored. Power of Attorney has sent via certified mail but no one contacted me or my dad.

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 2019-12-12
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
More than 3 phone calls a day from Phoenix Financial, rude and assumptions behavior. Was told to stop contacting me but this has only increased their number of calls a day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: EQUIFAX, INC.
State: WI
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other

Complaint:
I am having an access problem with my Synchrony Bank XXXX store account. This issue has happened in the past, and I thought it was resolved but it is happening again. I am enrolled in paperless billing, and regularly check my online account status. On Monday, XXXX XXXX, I tried to access my account from XXXX different browsers and get the error message showed in the attached screen shot. I contacted the bank, and a supervisor named XXXX submitted a ticket number to the tech support team ( ticket XXXX ) to determine why I ca n't login. He advised me that the issue will not be resolved for 7 or more days. It is unacceptable that a customer can not speak directly to tech support.

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 2017-10-13
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
paid all the arrearage amounts on my loans and little to nothing was removed from the principal balance. it appears that they have been automatically recapitalizing late payments to the principal balance. whenever I make payments nothing ever comes off the principal balance of my loans. I recently paid almost {$4000.00} of payments and less than {$100.00} came off the principal amount. The loans were being amortized down faster before I consolidated them with myfedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Good morning, I have a savings account at Citibank. I live in XXXX and was trying to make a transfer from my Citibank account to another account which is mine also. The system asked me for a phone code but I did not receive the code because apparently was missing indicative numbers. So I updated my phone number and now Citibank requires that I have to wait 14 days to be able to make the transfer because I updated my phone number... I think this is too long for updating a phone number and I really need to use my money. I understand that they have their security policies but this is the longest time a bank has required me to wait until I can make a transfer. Is half of a month.

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 2022-07-21
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I was sued by XXXX XXXXXXXX XXXX XXXX on behalf of Citibank for the amount of {$5700.00}. I immediately contacted a consumer debt attorney to represent me. On XX/XX/XXXX, I was served with a notice that I was in default for the amount of {$6000.00}. During this time, my attorney and I were working on obtaining documentation from XXXX proving that they obtained the debt from Citibank. The attorney was not able to help me with my lawsuit and was told that there was nothing he could do and closed the case. On XX/XX/XXXX, I obtained the help of another consumer debt attorney to represent me. Ever since that time, my credit report showed an increase in the total amount owed. My current credit report ( XX/XX/XXXX ) shows that the amount owed is {$6.00}, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, 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 2021-04-21
Company: Experian Information Solutions Inc.
State: NY
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:
I recently challenged the accuracy of this account ( XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by Experian before my dispute and/or after my dispute was completed. XXXX  is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX XXXX  XXXX, 920 F. Supp. 80 ( e.D. Pa. 1996 XXXX. Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-14
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I have used a service called XXXX for months. It allows be to be able to borrow against myself for the day ( s ) that I work before I get my paycheck. PNC has had its own separate issues that security breaches, but that should not impose on my decision to sign up for a service that has essentially aided me in being able to take care of emergency services when I low on cash. I should be able to link my personal credentials confidently and securely on my own terms. So long as I can verify my account information and so on. Im considering leaving PNC Bank because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XXXX fraudulent checks for {$1700.00} were deposited into my account on XX/XX/21 and on XX/XX/21 I called chase and alerted them that the check in my account was scam while it was on hold. A representative told me that everything was fine and that the check had been returned and I was fine. On XX/XX/21 the bank sent me a letter saying that my account would be closed. I called and was told technically Im still liable for the {$3400.00} unless I filed a claim and I needed a police report to file. I filed a police report then called back. I talked to about 5 different representatives and they all sent me to a claims line where the phone would say the wait time is 50 mins and then the phone would hang up. I called on today ( XX/XX/21 ) and once again got hung up on. After speaking to my bank branch manager. She informed me that claims can not be done in the bank and they have to be done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: SQUARETWO FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did not receive documents from the original lender, the original would not respond because the account was sold. 
After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation