BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX I spent {$2700.00} last month and I paid you {$2700.00} last month. Please reverse the invalid {$29.00} in interest charges per CFPB rules. 

If this is the Chase official answer than Chase is breaking the rules of fair dealing and clear consumer explanations. 

Facts : THIS CHASE POLICY IS NOT CLEARLY EXPLAINED TO THE CONSUMER 1 ) I have not had a promotional interest rate before from Chase, ( you can check ) so how would I know about this not explained rule. 
2 ) I HAD AMPLE CREDIT AVAILABLE TO ME ON OTHER CHASE CREDIT CARDS, SO WHY WOULD I THEN USE THIS CARD IF I KNEW IT WAS GOING TO COST ME {$29.00} ANSWER I DID NOT BECAUSE THIS FEE WAS NOT CLEARLY EXPLAINED BY CHASE BEFORE IT WAS CHARGED.

3 ) ALL OF THE EVIDENCE SHOWS THAT CHASE HIDES THIS FEE FROM THE CONSUMER AND DOES NOT CLEARLY EXPLAIN IT - THAT IS FRAUD AND IT IS FEDERALLY ILLEGAL UNDER FEd BUREAU LAWS. 

BECAUSE THIS CHARGE IS ILLEGAL UNDER CFPB LAWS WE WILL ALSO FILE A SMALL CLAIMS LAWSUIT IN XXXX FOR THE DAMAGES WHICH WILL FAR EXCEED THE {$29.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Reliant Financial Corporation
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Almost every payment I made to this company was for more than the amount due. I thought that was a good way to pay it off sooner. I found that not only was it not being applied to the principal, it was miscalculating the interest as well. In addition, they frequently would charge me a fee for not having insurance. I have always had insurance. The insurance company would send them proof of insurance, as would I and they always said they didn't receive it until about the 5th time sending it. After that they would reverse the charge for the fee for not having insurance. Except once .... they charged me {$1200.00} for not having insurance, which I had, and didn't reverse it. 

They then proceeded to sell my loan to another company for the wrong amount. Now I am down to 2 last payments. I have paid more than owed for 4 years. My payment amount is {$310.00}. The current loan company says I still owe {$1900.00} after my last 2 payments. How is this possible when I never missed a payment and I paid extra every time? I went through the statement and their calculations are an absolute mess. Now I have had an accident moving cross country and the car has been totaled. The insurance company has to pay off the loan before paying me and there is a {$1900.00} error and their accounting is so screwed up that i can not even calculate their figures except to see the that the extra I paid every month did NOTHING to help me at all. Statement attached.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: MO
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:
Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: WELLS FARGO & COMPANY
State: MI
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:
It seems Wells Fargo hasn't done much to clean up their act. It has only been a few years since they were caught in some of the MOST egregious violations by a bank in USA History. 
I had just opened a Wells Fargo Credit card, first statement was just printed on XX/XX/2019 and Wells Fargo took it upon themselves to report the full balance of {$1900.00} to all three credit bureaus, dropping my credit score from XXXX to XXXX. 
My first payment is not due until XXXX ; Why would Wells Fargo report this balance? 
this will increase my auto and home insurance and it is not correct information,

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 2023-10-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was using my XXXX XXXX XXXX XXXX to pay for my rent on XX/XX/2023. I paid back my statement balance early from my previous month ( XXXX ) on XX/XX/2023 to ensure my rent payment can go through. However, after several days, I got a notice from my landlord building saying that my rent ( check ) got returned by Wells Fargo ( the bank that issued the credit card ) on XX/XX/2023 and I got charged {$470.00} late fees because of the returned check. I did not get any notifications from XXXX or Wells Fargo about the insufficient fund ( insufficient credit limit ) on my account before XX/XX/2023 ( which is the date that my landlord 's grace period ends for rent payment ). 

What's more, I paid back my previous statement balance on XX/XX/2023 and thus my credit limit is well above my credit limit. As a result, I contacted both XXXX and Wells Fargo asking them the reason my rent payment got returned and they keep saying that I have insufficient funds ( credit limit ) on my account which makes no sense. The customer service representative hung up on me after arguing with me for over an hour on the phone.

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 2023-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 I received a letter from Capital One, application number XXXX, with someone fraudulently using my address. I called Capital One and notified them of the activity and they noted that the resident and address do not match. The company directed me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: BARCLAYS BANK DELAWARE
State: IA
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: Card was charged for something you did not purchase with the card

Complaint:
Received a call from Barclay Card about possible fraud activity. Researched and found 3 fraudulent charges on my account from XXXX. First issue was resolved immediately ; however, the other 2 ( which only occurred ) 2 days prior have taken 4 calls so far to attempt to resolve ( without success ). Each time I call I am told that a new case file will be open to investigate, and on each subsequent call I am told that no case was ever opened. Further, the 2 remaining fraudulent charges from XX/XX/XXXX remain on the account almost 2 months ( XX/XX/XXXX today ). When asked to talk to a supervisor none is ever available, and I am still waiting for one to call me back.

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 2023-02-23
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute a late payment entry that appears on my credit report. According to my credit report, there is a late payment entry from XXXX XXXX  XXXX on my XXXX XXXX XXXX XXXX XXXX XXXX account, which has a credit account number of XXXX. 

I am concerned about the impact this late payment may have on my credit score and my ability to obtain credit in the future. I have always made timely payments on my credit accounts and believe that this entry is in error. 

I request that you investigate this matter and provide me with the results of your investigation. If the late payment was indeed made in error, I ask that you correct the entry on my credit report and provide me with written confirmation of the correction. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX I got an email from a debt collection company Hunter Warfield about an debt that I supposedly to an old apartment complex, for damages. As soon as I got the email I called the company and gave proof that I did not owe this debt. After the call I did not hear anything from this company, and in XXXX of XXXX a collection was placed on my credit report. I have tried dispute this several times, with no luck. While, on the call on with this company one of their representatives tried insinuate that not paying this debt could hurt my chances of buying a home, before the guy I spoke with could finish the statement he was stopped by a manager listening to the call. The manger then asked me to resend proved of payment and gave me the wrong email address. I called back to get the correct email. I then after the call, called my old apartment complex to have them pull my pre-move in checklist that listed all the damages to my apartment before I moved in. The apartment representative said that she would have the manger pull the information I requested. Since that call in early XX/XX/XXXX I have not hear back from the manger, and they are avoiding my calls and refuse to talk to me. I called the collection agency back to see if they would close this debt for a lower rate, and they refused to accept the amount to close the account and fix my credit. I have tried everything that I can think of with no luck. I will proved the photos of the apartment with timestamps of when they were taken, my last bill, and money order that I paid with. Also I am going to be sending pictures of the emails I sent to this company, and got no reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to address several inaccuracies and violations present on my credit report. It has come to my attention that my credit report contains unauthorized inquiries and incorrect personal information. I have taken the necessary steps to verify the information, and I kindly request that the following discrepancies be investigated and rectified in accordance with the applicable laws and regulations : Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX I have no recollection of providing authorization for this credit inquiry. As such, I demand that this unauthorized inquiry be promptly removed from my credit report. This action is in line with the Fair Credit Reporting Act ( FCRA ), which mandates obtaining proper authorization before conducting credit inquiries. 
Incorrect Personal Information - Alias : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, R This alias does not pertain to me, and I request that it be immediately expunged from my credit report. The FCRA stipulates that credit reports must accurately reflect an individual 's personal information, and any inaccuracies should be promptly corrected. 
Incorrect Personal Information - Address : CURRENT ADDRESS : XXXX XXXX XXXX  XXXX, AZ XXXX The address listed above is incorrect and does not correspond to my current residence. I kindly request that this incorrect address be rectified in line with FCRA provisions on accurate reporting. 
Unauthorized Inquiry : Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Similar to the previous unauthorized inquiry, I have no recollection of granting permission for this credit inquiry. I urge you to promptly remove this inquiry from my credit report, as per the FCRA requirements for proper authorization. 
I appreciate your attention to this matter and your adherence to the laws and regulations designed to protect consumers ' credit information. Please provide written confirmation once these discrepancies have been addressed and rectified. 

Thank you for your prompt action in resolving these issues. I look forward to a swift resolution and an accurate credit report. 

Sincerely, 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 2022-01-28
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/21 I sent XXXXTransunion a letter disputing the validity of the bankruptcy they are reporting on my credit report. They responed with a letter included with my credit report stating it was " verified '' through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXXXXXX could not verify this item so they deleted it from their database. 

I then went back to XXXX/Transunion on XX/XX/21 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this unverified item which is imploding on my ability to purchase a home and causing me to pay thousands more in intrest every year. 

This item needs to be deleted from my credit report if itcan not be verified within 30 days.

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 2022-08-11
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called FedLoan on XX/XX/XXXX to request a customized letter I could provide to the XXXX XXXX XXXX XXXX XXXX  regarding the XXXX Student Loan Debt Relief Tax Credit, which I received in XXXX. Under Maryland law, I am required to provide proof of payment in the amount of $XXXX, which occurred on XXXX. XXXX  and FedLoan staff informed me that I could request a customized letter in response to CFPB complaint XXXX and over the phone, respectively. When I initially spoke to XXXX (employee ID XXXX), he told me I'd receive a customized letter with my name, lenders name, date of payment, and payment amount in 7-10 business days. Instead, I immediately received information from my XXXX  1098 in email format, which was never requested. I immediately called FedLoan Servicing back and XXXX transferred me to XXXX (employee ID XXXX. I informed XXXX that the email I received from FedLoan was not what was requested and that I needed a customized letter instead. I informed her that a XXXX  tax year 1098 was not acceptable. i informed her that XXXX  requires a document with my name, lenders name, payment amount, and payment date. XXXX informed me that I would receive a customized letter within 7-10 business days. As ofXX/XX/XXXX, I have not received a customized letter for me to provide to XXXX. I called FedLoan Servicing on XX/XX/XXXX at approx. XXXX XXXX and spoke with XXXX (employee ID XXXX). I let XXXX know that I was expecting a customized letter for XXXX  with my name, lenders name, payment date, and payment amount. XXXX  pulled up my account and saw that a letter was sent on XX/XX/XXXX and I incorrectly informed her this was inaccurate because I received my 1098 information on XX/XX/XXXXand requested a customized letter immediately afterwards. It turns out on XXXX XXXX, I did receive a document entitled "Tax Info Interest Paid This Year", however the title of this letter is inaccurate and misleading as it is interest from XXXX  and does not fulfill XXXX  requirements. Again, this was not the document I requested. Upon further research, XXXX determined that there was no request for a customized letter in FedLoan Servicing's system, only a request for a 1098. As such, I had to re-request a customized letter from XXXX  on XX/XX/XXXX. I informed XXXX  that the letter requires my name, lenders name, payment amount, and payment date regarding my payment on XX/XX/XXXX. XXXX informed me due to FedLoan's mistake that the correct customized letter with the information I require for XXXX will be sent to me within 48 hours of the completion of our phone call.  I've attached a summary of my calls to FedLoan Servicing as well as the incorrect letters and prior complaint for further reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11
Company: PLAZA HOME MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Improper Servicing practices and problem resolution with Plaza Home Mortgage during XXXX XXXX trial period payments after offer of Flex Modification work-out resulting in removal from Loss Mitigation workout and denial of Flex Modification due to incorrect recoding perceived as an untimely payments which is a term to default on the trial. 



After my successful trial and not receiving my modification paperwork after my completed trail period I emailed XXXX with no return call. I was later confirmed by XXXX Customer Service that original trial payments were received ( XXXX tracking available ) yet XXXX trialchecks were being returned to me to be rewritten ( reissued ) due to clerical issues. The reissued trial checks were misapplied ( not applied to trial ) once received by XXXX. Note : I reissued the checks as soon as notified and verifying s not cashed, and mailed via XXXX  ( tracking available ) as opposed to waiting for the original checks to arrive via XXXX weeks later.I was told I would not be penalized for the misapplication, and my representative would be able to rectify the issue and would be the ONLY XXXX to move my account back to Loss Mitigation and get my modification back on track. This never happened. I was referred to Foreclosure, and then Servicing transferred to XXXX on XX/XX/22. XXXX stopped foreclose and asked me to complete a new loss mitigation package which was denied. If XXXX has made the corrections to my file as promised, I would have already been on my trial period. I can NOT be displaced. My XXXX yo mother lives with me. I lost my job of over 20 years, and i singe mom of XXXX. I now have the means to afford my mortgage and stay in my home. I have appealed the case with XXXX and contacted XXXX XXXX for help as well as they own my loan. I am opening cases with the regulatory agencies as I know rules were broken and consumers have rights, I was mistreated, ignored, and disrespected. This servicer dropped the ball and does not care. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Paypal Holdings, Inc
State: WI
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 made a purchase on XXXX, payment collected by PayPal, with my XXXX card in XX/XX/2023. The item was for my wedding and was in my area after I left for my wedding. The package had to be signed for and I obviously wasn't home to get the package. The post office was supposed to send it back the beginning of XXXX and still has not. The XXXX seller refuses to refund me even though they're aware I never got the package, no longer need it and the post office hasn't sent it back. The post office has nothing to do with me so I don't understand why I'm being punished and stolen from. I filed a dispute with XXXX and they decided the charge was valid even though there's proof it wasn't delivered. I have zero need for the item now and it's not my fault that the post office still hasn't sent the item back. PayPal 's customer service was beyond useless. I was told I'd received an email to resolve this and still haven't received anything, 4 days later. There's NO explanation for PayPal not having customer protection when this kind of thing happens. I kept being told I had to have a PayPal account to file a dispute. When I made the purchase, I had a PayPal account but because the transaction was through XXXX and not PAYPAL, there was no recored of the purchase on my PayPal account which I've had to tell PayPal multiple times because apparently everyone is incompetent. I literally just want my money back for the item that I NEVER RECEIVED. How does PayPal allow XXXX payments but offers ZERO consumer protection when it comes to disputes?!?!?!

Company response to consumer: Closed with explanation