BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Experian Information Solutions Inc.
State: NV
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:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

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 2018-04-09
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have made a student loan payment to AES in the amount of {$280.00} every month for almost 15 years. Beginning in XXXX ( specifically XX/XX/XXXX ), I started to pay an additional {$300.00} per month which I expected to go to principal. Instead I was charged interest on my additional payment. When I called to complain, I was told if I combined the 2 payments, then the additional {$300.00} would go to principal. Beginning on XX/XX/XXXX I started making a {$600.00} payment per month. Again, I was charged the normal interest on the full amount and my additional payment did not ALL go to principal. I called again to complain and they told me since the interest is compounded daily, I would always be charged interest on an additional amount. This seems highly unfair and unethical to me especially given in my original promissory note it states, " I may repay all or any part of the unpaid balance of my loan at any time WITHOUT PENALTY ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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: Problem with personal statement of dispute

Complaint:
I am a Bank of America customer ... both a deposit and a home equity account. 

I borrowed against my HELOC ( XXXX ) last Fall and in ~XX/XX/XXXX use the phone app to pay off the balance. For the following 2-3 months, I re-checked the app, the desktop site and visited the branch. All 3 said I had a {$0.00} balance. When the statement came to my house a month or 2 after all 3 said {$0.00}, I didn't bother to open it. 

In XX/XX/XXXX, my credit score went from an XXXX to a XXXX because XXXX reported me as being 30+dpd for {$5.00}. Apparently, there was some accrued interest that I didn't ( know I needed to ) pay. 

While technically accurate, I think it is wildly unfair that all 3 tools ( app, website and teller system ) all said {$0.00}, none clearly said 'YOU MAY HAVE ACCRUED INTEREST, PLEASE CHECK YOUR BILLING STATEMENT BECAUSE THAT IS THE ONLY WAY YOU WILL KNOW. IF YOU DON : T READ IT, YOUR CREDIT SCORE WILL GET SLAMMED '. 

As a side note, I never received a call, an email, a special letter or an online alert that something was late ... and all that for {$5.00}?!?! wow. 

I've since paid the {$5.00}. 
I just was the delinquency notification to all 3 bureaus reversed. 
I called XXXX and they said they would not reverse the notice to the bureau. : ( Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2020-11-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. 
I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).

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 2018-04-09
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I am currently being sued by XXXX XXXX XXXXXX/XX/XXXX and I believe the lawsuit falls under the consent order issued by CFPB. 

I am filing a complaint so that if the plaintiff is violating the consent order by failing to withdraw the case, the CFPB can take proper action against NCT for the violation. 

I am being sued under MD code 3-306 ( affidavit judgment for assigned consumer debt ), since the affidavits filed by the plaintiff are signed by a representative for Transworld Systems Inc, and they are swearing to personal knowledge of the debt, assignment of the debt, etc, I believe this qualifies as one of the lawsuits the consent order was attempting to address in paragraph 49. 

I greatly appreciate the time of anyone reading this complaint. Thank you for your time. 

-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account became delinquent in XX/XX/2019. The company filed court action, after I missed payments. I communicated with creditor but was forced to sign a judgment to be able to pay them and get my account in good standing. Since that time, on XX/XX/2019 they did a hard credit pull on my credit file without my consent. In addition to this, they also locked me out of the online account ( which is where I can view account details, make payments etc. ) It says I do not have an open account with their company. In addition my most recent payments in XXXX and XXXX, I called into their office to make payments with XXXX. She told me each time the total amount that was due. On XX/XX/2019, I paid the monthly payment amount of XXXX, on XX/XX/2019, I paid the monthly amount of XXXX. Again, on XX/XX/XXXX I called in and spoke with XXXX, he said my payment was due on that day XXXX, and that as of then I was not behind. I determined the next day that they are reporting I am 60 plus days late on this account, and not being transparent to me about this. I need help with this. As someone that's had credit issues. I had established finally a good credit score with a lot of hard work. They have dropped my credit score by more than 100 points, and are affecting my job and my family.

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 2021-03-31
Company: U.S. BANCORP
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I reached out to US Bank regarding an account showing on my credit profile. The account has a balance of {$170.00} and I would like to pay the account in full. Every month, this accounts reports as 90 days delinquent, completely destroying any hopes for rebuilding my credit portfolio. 

In a hot potato phone style, I was finally passed along to a manager in the recoveries department. The manager advised she was unable to accept my payment as " Mississippi State law limits how long I can be sued on a debt ''. I asked for clarity and why it has continued to be reported every month as 90 days past due if legally they can not accept my payment. She advised she was unable to do anything and provided the numbers to all three Credit Bureaus. I reached out to XXXX and they advised they can not do anything and the account will fall off in XX/XX/2022.

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 2020-09-10
Company: CITIBANK, N.A.
State: CA
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:
This is regarding my previous bill with CitiBank, I have logged in multiple times on their website to see whats happening on my account and I have been having technical issues with them for a very long time. I paid off my balance in full, so I was surprised to find {$50.00} in interest and a late payment added to my account after paying it in full. Please look into this situation

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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Reported on XX/XX/XXXX {$0.00} -- Overview Reference Number XXXX Date Filed Reported on XX/XX/XXXX This is not showing correct info. BK was in XXXX not XXXX and should have been removed from report as it was over 10 years ago.

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 2018-07-02
Company: U.S. BANCORP
State: FL
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:
US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response. 

I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply. 

In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me. 

The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours. 

Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it. 

I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have. 

Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls.

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 2019-02-12
Company: Experian Information Solutions Inc.
State: CA
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/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the XXXX XXXX to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX or XXXX of XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the XXXX XXXX. Then, I checked my XXXX XXXX account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to XXXX XXXX and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks XXXX got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to Experian and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!! 
1. I did file a dispute with both Experian and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to XXXX XXXX again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should XXXX not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: JPMORGAN CHASE & CO.
State: VA
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 am writing this letter to report that my former bank, Chase Bank refused to investigate the evidence / supporting documents I have about a transaction that shouldnt have been applied to my account. Chase reported me to credit Bureaus as delinquent. 
Here are the facts : On XX/XX/2020, I booked a flight from Washington, DC XXXX ( XXXX ) to XXXX, XXXX ( XXXX ). The flight was scheduled for XX/XX/2020. I paid for my flight ticket using Chase Credit Card the amount of {$700.00} on XXXX XXXX On XX/XX/XXXX, due to the corona virus pandemic, the XXXX XXXX published a list of countries that are not allowed to visit XXXX and USA was one of them. Americans were banned from travelling to XXXX. 
The travel agency and the airlines both absolutely refused to refund my ticket, even though it was completely useless! 
While I was stranded overseas, I contacted Chase twice via online banking to dispute the transaction. 
I contacted Chase Bank to file the dispute via the online platform they set up for this reason. The was a limited number of spaces to explain my concern. There was no way to upload any documents and the only other way to contact Chase was to sending them a fax or give them a phone call while I was stranded overseas with limited access to technology. I left messages on the Chase bank platform and requested an email address where I could contact them. I also requested to have the result of their dispute sent to my email because I did not have a physical address in USA at the time. I was overseas for 7 months. 
Chase ignored my requests repeatedly. I managed to make an overseas phone call and contact the bank ; however, they keep ignoring my request and saying that my documentation had not been sent. ( Please see attached copy of the documents that I have ). 
While I was overseas trying to contact Chase regarding the dispute I had filed, Chase was trying to contact me regarding payment. There should not have been a payment, this charge should never have been processed. 
One month ago, when I came back to USA I went to a Chase Bank branch and they called the credit card branch. I was told that they can not open this dispute again because its too late! Basically, the information I have provided has been ignored. 
I am still disputing this transaction and therefore I am asking that any item or information reported by Chase Bank to Credit Bureaus be removed from my account until true diligence can be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID-19, I was granted forbearance period for 6 months which was agreed upon from both sides stating I would not be affected negatively. I ended the forbearance period early and immediately was current on my payments. I worked extra hard during the pandemic to make extra payments to have PRIVATE MORTGAGE INSURANCE removed. In mid XXXX, to loan to value ratio was 78 %, under the 80 % mark to be qualified to have PMI removed and was current on my payments. I reached out to the PMI department via email and they got back to me on XX/XX/2020 stating although my loan to value ratio was 78 % and was current on my payments, PMI will not be removed since I was late on XXXX payments. After contacting customer service and speaking to XXXX and XXXX and from forbearance department XXXX for an hour, they could not see the late payments on my record. XXXX spoke to the supervisors and concluded that it was indeed the forbearance period which was AGREED upon, which was negatively impacting me and I would have to continue paying PMI for 24 months in order for it to be removed. I find this unacceptable as there were no late payments but agreement was made which I abided by. 
To hold a forbearance agreement, because my mother was infected while global pandemic was going on, against me negatively is not just insensitive but plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I visited the XXXX store located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX on Saturday, XX/XX/XXXX. When ringing up my purchases the cashier asked if was a member of their rewards program to which I replied that I believed I was. She had me enter my telephone number. She stated I was not in their XXXX XXXX Rewards program and asked me if I would like to be. The store was closing down and re-opening under another name so I inquired if they rewards were transferable and she stated they were good for all stores under the same parent. I proceeded to enroll in the " rewards '' program and when I was finished the cashier said, " You were approved for {$800.00} '' I stated that I was not aware that I was applying for credit rather, only that I was enrolling in an awards program. I asked if I could cancel right there in the store. The cashier said I could not an provided me with a number to call. I called the number and went through an automated system which allowed me to cancel the card and stated it would be reported to the credit agencies as " Closed at customer request '' however, the the only option to receive a confirmation was via fax. As I did not have a fax number handy I opted to not have a confirmation. Wanting to be sure the account was cancelled, I called Tuesday, XX/XX/2019 at XXXX XXXX. Eastern Standard Time and went through the automated system which allowed me to cancel the account, confirmed via voice response it was cancelled and stated it would be reported a " Closed at customer request '' to the credit agencies. This time I provided a fax number and the autoted system said a confirmation would be sent within 1 hour. As of Tuesday, XX/XX/2019 at XXXX XXXX Eastern Standard no confirmation has been received. 

I believe the acquisition process was purposely misleading and that the cancellation process also uses deceptive practices to avoid cancelling the card. The card is issued by Comenity Bank.

Company response to consumer: Closed with non-monetary relief