BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-15
Company: Experian Information Solutions Inc.
State: FL
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:
I recently looked over my credit report and I noticed some false accounts that were reported on my credit file. These derogatory accounts do not belong to me and I have no memory of these accounts. I have no idea who or how someone could have access to my credit report. Now because of these accounts, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file

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 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have XXXX loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All XXXX show closed with a {$0.00} balance.

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 2017-04-20
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
they keep raising my interest rate and i 'm constantly paying every month and my balance isnt going anywhere as majority of my payment goes to interest and not principle. they keep raising and raising and not telling me. just seems near illegal. I call them to help and they do nothing. i know they are getting sued by the government. i was told file a compliant thats all i can do for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Genesis FS Card Services, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have opened a credit card with Milestone MasterCard issued by The XXXX XXXX XXXX and serviced by Genesis FS Card Services. I opened the account XX/XX/2022 and closed it on XX/XX/2022. I made XXXX purchases totaling {$45.00} and there is XXXX fraud charge of {$220.00}. The current balance due is {$170.00}. I havent even had the account opened a month and they refuse and wont refund me any of the annual fee. How is it fair that I charged only {$45.00} to the account and then I have to pay thier fees in addition. THIS COMPANY IS A JOKE, THEY STEAL FROM YOU, THEY LIE, AND DECIEPT YOU. THEY ARE THE BIGGEST SCAM OUT THERE. I will pay back {$45.00} that i used. But i am not paying back {$120.00} annual fee to an account i closed less then 30 days ago. I closed it because the rep misinformed me and lied to me and said that my fraud charge made would not be adjusted for 60 days and that i would have to make do with {$100.00} available thats left on the card. They sent me a new card ending in XXXX. I have yet to recieve it. I asked to have the card reinstated and they wont re-open it. So why should i have to pay {$120.00} for annual fee on {$45.00} and a card not open for not even a month. This is pure inconsiderate and intent of harm done to a customer. It would be different if the account was remained opened or re-opened. But im not paying {$120.00}. I will contact a lawyer if they try to turn the {$120.00} in on my credit and send my account to collections. I will file a lawsuit. If they try and tarnish my credit score of a XXXX +, I will pursue them to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I have no contract with this 3rd party debt collector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: Navient Solutions, LLC.
State: WI
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:
In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for or purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a new account on XX/XX/2019 for a personal checking account. I have not had a personal checking account within the past 90 days of account opening. Also I have not received a checking account bonus within the past 2 years. I spoke with SEVERAL Chase customer service representatives and they are making up rules that I am not eligible for a the {$200.00} checking account bonus even though I qualify per the terms and conditions. Chase has not corrected the problem and applied the bonus to the account as advertised. 

Bonus/Account Information : Checking offer is not available to existing Chase checking customers. Savings offer is not available to existing Chase savings customers. Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance. To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 90 days of account opening. 

You can receive only one new checking and one new savings account opening related bonus every two years from the last enrollment date and only one bonus per account. Bonuses are considered interest and will be reported on IRS Form 1099-INT ( or Form 1042-S, if applicable ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: Capio Partners, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit score dropped 62 points due to CAPIO PARTNERS LLC. I have never heard of this company and do not understand what debt they may ( if any ) be trying to collect. I have called the number listed online ( XXXX ) and can not get through to a live person, it transfers to voicemail on both HR and the Operator option. Never received a call back. I was transferred through to an operator last Friday, whom was absolutely rude and disregarded any concern for the situation, she put me on hold for several minutes until I finally hung up. I was denied an apartment in Florida due to the credit drop and need to resolve this ASAP! Very unprofessional! 62 point drop over what!? Please explain!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-22
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company is  reporting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls.     I have sent letters for them to verify this debt bearing my signature and they have not. I have (    XXXX   ) late pays on  XXXX    XXXX   XXXX  loans that they state can not remove even though I was in school.     I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA '' Also sent with certified mail and verification of signature for each article of mail I 've sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.

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 2016-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES 78 % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that 78 % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a {$15000.00} wire through chase online transfer on XXXX first using the same information as a previously completed wire. The wire was never received by the recipient. When i asked chase for a XXXX form to show that the wire was sent I was given the run around for days and never received an answer. it has been 27 days since the wire was sent and i still have not received any updates at all. Please help me resolve this issue I am in desperate need of this money to be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX These Inquiries are reporting on my personal credit file with ( XXXX/TransUnion ) credit reporting agency . These Inquiries were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: TX
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 account # XXXX ( XXXX XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2022-08-28
Company: American Coradius International LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
American Coradius International LLC is attempting to collect an alleged debt that I do not owe. I, the consumer and natural person, has sent, in writing, a cease to desist demand of all and any communications including reporting information or sharing data without my permission to non affiliated consumer reporting agencies about this alleged debt to try to coerce me to pay. See attached documentation showing certified mail has been sent with the cease to desist demand to American Coradius International LLC and the letter for your view electronically. American Coradius International LLC does not have any rights under the FTC agile law. The law prohibits anybody other than FTC and their employees to share data and thats limited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: Experian Information Solutions Inc.
State: VA
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:
I did not authorize the following companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire.

Company response to consumer: Closed with explanation