BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
Company: JPMORGAN CHASE & CO.
State: FL
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 paid a purchase in XX/XX/XXXX & used my Amazon Visa Chase credit card. My balance with them before this purchase was XXXX dollars, since they were paid off in XX/XX/XXXX. Then two purchases were made, first one on, XX/XX/XXXX for {$10.00} & the second one on XX/XX/XXXX for {$190.00}. I was offered a Promo at zero percent interest until XX/XX/XXXX. I never received a bill & forgot all about the purchase. I never received a bill from this credit card company & any notifications of late fees. When I went to purchase a new vehicle in the beginning of XX/XX/XXXX, I was then informed about this. I called them to see what was going on & was then informed that I was paperless, which whenever I owed them money before, it was always by paper. The first lady I spoke to at Chase waived all the late fees & then informed me that I was put back onto paper bills & that it was okay to pay the {$35.00} each month until pay off. She also informed me, that my credit card had been closed. I informed her that I never received anything notification about any of this in the mail or even received calls. I made my first payment to them that day, XX/XX/XXXX of {$35.00}. The next bill that I received the beginning of XXXX, showed all the late fees taken off, some interest removed, my payment that they received on XX/XX/XXXX plus a {$38.00} late fee charged to my card on XX/XX/XXXX. I called Chase today, XX/XX/XXXX to see why I was being charged a late fee when they were paid on XX/XX/XXXX before the due date & also asked them why the minimum payment was the full amount of {$160.00} which it should of been {$120.00}. I had to call two different times because no one really understood what I was saying & just kept transferring me to different departments. I ended up just hanging up & then calling right back & asked to speak with a manager. Tried working out my monthly payment arrangements back down to {$35.00} like it's suppose to be & they informed me that they couldn't help me, that I had to pay the full remainder of {$160.00} & wouldn't waive the late fee since it wasn't paid in full last month. But I was not told last month that I had to make the full payment, that I would be able to make the {$35.00} monthly payments. Now they tell me, that I have to owe them over {$500.00} before they can help me. So basically I will just be paying a late fee each month & nothing will be going to pay off my card. I actually only should be owing them a total of {$120.00} as of right now. I have already scheduled a payment on the XXXX of this month in the amount of {$35.00}, which then my total owing would be {$91.00} plus interest. They are stating that I am the only one that can make my bill go paperless, but I don't see how, because I never ever received my first bill, that I should of gotten in late XXXX early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: McCalla Raymer Leibert Pierce, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX along with their foreclosure attorney, McCalla Raymer Leibert Pierce , LLC, has violated many aspects of the Fair Debt Collection Practices Act, including the nonjudicial foreclosure sale of my mother 's ( XXXX XXXX XXXX ) on XX/XX/XXXX, which was facilitated by XXXX XXXX XXXX XXXX XXXX I requested documents from XXXX XXXX  XXXX on XX/XX/XXXX, which were never provided. I submitted civil lawsuits against XXXXXXXX XXXX XXXXXXXX and McCalla Raymer Leibert Pierce , LLC to the United States XXXX XXXX, XXXX Georgia, XXXX Division. XXXX XXXX XXXX dismissals of XXXX and XXXX were done with prejudiced, bias, partiality, lacked integrity and neutrality and when I pointed out how his responses to my submissions with supporting evidence were in conflict to XXXX XXXX XXXX and Georgia 's Judicial Qualifications XXXX XXXX XXXX supported XXXX decisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX and XXXX XXXX financially influenced XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both have violated Federal Judicial Ethical Canons XXXX and XXXX and Violated Georgia Judicial Ethical Canons XXXX and XXXX, by allowing XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX XXXX financially influence him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23, I made an account-to-account deposit for {$5000.00} from my primary XXXX  to XXXX XXXX to find my new high yield savings account. As of XXXX, I still have no access to my funds as my account is being closed due to suspected fraud. I have reached out to XXXX XXXX at least 4 times via email and phone and still have no idea of when, or if, I will receive my funds. They claim that they are going to send me a {$5000.00} check but why wouldn't they return the funds electronically to the originating account if they suspect fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I ask you for help with the agency XXXX, I sent a letter more than 3 months ago to request have remove more than XXXX credit inquiries that I have not recognized, and which I have not done or made. I don't know from where I have so many credit requests. 

I have Attached the report, as well the same was sent to XXXX  with a signed letter, with copies of my documents. And where did ask please to you remove all details of credit requests or credit inquiries. Which they have not done so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 a collections claim was placed on my credit report under the company of Transworld Systems INC. I contacted Transworld and in order for me to verify with them but they wanted me pay them {$1.00}. I did not pay the amount requested because I did not trust the company or claim. 

I then went to XXXX and ran a credit report with them looking for collection claims. A claim on my credit report was present in the amount of {$280.00} for a utility company XXXX XXXX XXXX XXXX in XXXX Texas. Contact XXXX. I then contacted them to verify. After confirming there was an account opened under my social and name, I told them that it was identity thief as I am not a resident to Texas, do not own any property in Texas and do not have any family or friends in Texas. The rep was understanding and summitted a claim in on the company 's behalf but told me I would have to report the claim to FTC, submit an identity theft claim report, and a police report. 

I was provided with a claim number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I purchased a XXXX XXXX XXXX  on XXXX XXXX at XXXX XXXX in XXXX, California. The dealership offered me financing at 9 %. I refused it and I went to my bank, XXXX offered me an interest rate as 3.34 %. I took the letter from XXXX to the dealership to complete the purchase, but the Finance Manger who called XXXX insisted on me buying an extended service plan and a maintenance plan to qualify for the special interest rate 0.9 %., that was a lie. The special rate from Honda Financing is available for any qualified buyers with no string attached. When I refused the extra purchase, he said I cant get the special rate. I felt that I was forced into buying something that I dont want. On XX/XX/XXXX I went to the dealership to cancel the extended service plan, they told me that they will have to prorate my contract and charge me some fees even though my car is brand new and I am still under the factory warranty period. The extended service plan has not taken effect yet. The dealership is deceiving innocent buyers into buying products that they dont want. The face that the finance manager conditioned the special rate with buying after market product is a violation of consumers right. The dealership address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I am requesting your help to receive a full refund for the extra products that I was forced to purchase. I dont think I have to pay the cancellation fees and the prorate deduction on my contract because the practice was not proper. 
Thank you for your assistance and I am looking forward for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX someone opened a Venmo Visa card in my name and charged around {$600.00} to said card. I received a notification of a new card added to my Venmo account which was not done by me, so I contacted Venmo to report that this was not me. The next day my bank account was hit. They were not able to get money from my bank account because the bank caught it in time and notified me. The Venmo Visa Card however was opened with a credit limit of {$11000.00} and is now showing 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 non-monetary relief
Consumer complaint received 2018-10-12
Company: BARCLAYS BANK DELAWARE
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:
XX/XX/18 Barclays Bank XXXX XXXX XXXX C/O Office of the President XXXX, DE XXXX Att : XXXX XXXX Executive Re : XXXX XXXX DOB :  XX/XX/XXXX SS # XXXX XXXX XXXX Dear Mr. XXXX, I am writing in reference to a problem that I have been having with Barclays since XX/XX/2018 and still has not been resolved. 
I had a XXXX Credit Card account with was serviced by Barclays. The servicing was sold to XXXX XXXXXXXX XXXX which I was unaware of. I made an on-line payment on XX/XX/18 for {$100.00} to Barclays from my XXXX XXXX account which should have been sent to XXXX XXXX XXXX. 
I have been trying since XXXX to have Barclays reimburse me for the {$100.00} or at least forward the payment to the correct bank. A XXXX XXXX agent and I have called Barclays Bank many, many times to get this resolved. XXXX XXXX sent proof of payment numerous times. We have spoken to staff and Managers at Barclays Bank named : XXXX, XXXX, XXXX, XXXX, XXXX and countless others who have acknowledged receipt of the payment. 
I was promised by them that I would have a credit within 2 days ( that was back in XXXX ). I called again on XX/XX/XXXX and then I was told that it takes 90 days to process the refund. The 90 days was up on XX/XX/18. I called on XX/XX/XXXX and spoke to XXXX who advised me that we need to send proof of payment AGAIN to the Research Department. As previously mentioned, this was sent by XXXX XXXX numerous times and receipt has already been acknowledged by Barclays. 
This is the most frustrating experience I have ever had with any bank. I keep getting the run around from all the staff members. XXXX has attempted to be helpful, but could not explain why we have to sending proof of payment again and again with no results. I just keep receiving empty promises for a refund. 
I also sent a letter to Barclays on XX/XX/18 and to date have not even hard the courtesy of a response. 
I am pleading with you to please have someone in Management look into this situation and have it resolved once and for all. 
I look forward to hearing from you and appreciate your assistance, Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.Y. 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 2023-04-19
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a client with Navy Federal Credit Union ( NFCU ) for over a year. As of the XXXX of XXXX NFCU has frozen my business account ( acct # XXXX ) as well as my personal account ( acct # XXXX ). After a client paid my company for services rendered and for a vehicle purchase. The third party paid with a cashiers check made out to them and then signed over to my business. After the check was deposited this Navy Federal put a hold on the check for five days. Afterwards the hold was lifted the funds were made available. When the funds were disperse from the account. Navy Federal then blocked stating suspicious activity. After contacting Navy Federal, they informed me that I needed to present a letter from the third-party with their ID and three signatures. When I complied and my client provided the letter with signatures and identification. Navy Federal then informed me, that I would have to provide my identification and three signatures. After complying with Navy Federal demands, both accounts are still frozen. I encountered an issue with my account that required urgent attention. I contacted customer service and was put on hold for extended periods, which was frustrating. When I finally spoke to a representative, they were unhelpful and did not resolve my issue. It is now going on two weeks. I then visited the only branch which is a two hour drive. Where I was then informed, that I have to submit an appeal in to overturn the decision to freeze my accounts. Not only was the branch manager, vague and unhelpful. I am still in the dark with no one to turn to. Navy Federal, is not only stopping me from conducting commerce. As well as paying employees and bills to keep my business afloat. I have made several attempts to contact Navy Federals security department. Which has hold times that are well over two hours only, to speak to representatives that are unknowledgeable and unhelpful. After submitting the appeal, Navy Federal informed me that it will take approximately 15 business days or more to investigate and make a decision whether to release the remaining funds. It is to my knowledge that Navy Federal is abusing their power to take advantage of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
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: Account information incorrect

Complaint:
I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

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 2023-06-10
Company: Affirm Holdings, Inc
State: CA
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/2022 I made a purchase on the XXXX XXXX site through Affirm for a loan for a pair of XXXX XXXX  from my merchant by the name of XXXX. There are multiple reports of XXXX selling fraudulent hugs to other consumers on the XXXX XXXX XXXX and the pair that I received is also fraudulent because I took them to the XXXX outlet and asked them in the store whether they were real or not and they compare them to the same booth that they had in store and showed me why they were counterfeit no serial numbers they were not the same at all and they confirmed it twice over, I never wore them. I still have them the merchant would not take them back. I contacted Affirm multiple times and told him they were fraudulent and then like I confirmed it with the XXXX outlet store and they still now or affecting my credit now for this loan and I asked him to please illuminate this loan because its for fraudulent merchandise that the merchant will not take back I dont have any need for these. XXXX XXXX they are fraudulent they were supposed to be a gift for my daughter and Im on XXXX and I dont want them but nobody will take them back. Its not like I took them and I dont wan na pay for them in the real. They are fraudulent so I dont know what to do but I dont want this affecting my credit report and I shouldnt have the money for that loan. I just want to get these boots back and either Affirm or the merchant will take them back and I tried within the merchants return policy to do that and they were very rude and wouldnt do So.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: GA
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:
Please validate the alleged debt and inquiries. Please do not send " verified response as that is not a validation of debt and the inquires. 
Please validate the debt and inquiries by : Providing me a copy of when I sent a written permissible purpose to validate the inquiries. Please provide a audit trail for the accounts and inquiries below. 

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

If every piece of documentation can not be provided the accounts and inquiries must be removed from my report immediately. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Card account # XXXX XXXX XXXX XXXX with a balance of XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage went up {$600.00} a month due to property taxes and we paid the overages for XXXX months. The problem was rectified and then the mortgage company got the updates but said our mortgage will remain at this impoverishing amount until maybe XXXX. 

If we pay on what we cant afford them of course we wont pay on time because we do not have it- they are going to throw fees on top of monies that we dont owe that wasnt paid in a timely fashion. 

This is unfair as our mortgage is an important bill and I am the mother of twins and simply can not pay the overages just because a company is too lazy to make changes effective now. This is unfair and it is deceptive because when I was giving them the new information they told me that it would be ready by the time XXXX mortgage is due.

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 2021-01-06
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation