BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called Bank of America in late XX/XX/XXXX and asked for help with my credit card due to the covid-19 pandemic crisis. I specifically asked for a lower interest rate but was told that I could only postpone payments but Im writing this because that would only exacerbate the problem resulting in a higher balance in a few months making it even harder to pay this card. 
Ive had this credit card for a few years and was making large payments back in XXXX. But I had to relocate due to the XXXX XXXX fires and my XXXX and take a lesser paying job and pay a higher rent so I couldnt make high payments but continued making payments on time for the past 2 years. Unfortunately, the high interest rates diminished my payments and made it impossible for someone in my situation which is even worsened now by another natural disaster to pay off this card. 
Ive paid {$530.00} in interest only during XXXX ( XXXX XXXX statement attached ). Ive paid {$680.00} in interest only during XXXX ( XX/XX/XXXX statement attached ). Ive paid {$190.00} in interest only this year up to the time of my last statement of XX/XX/XXXX. These add up to {$1400.00}. 
My average balance has been a little more than {$2000.00} since the beginning of XXXX. Ive already paid more than half of what I owe in interest which is at 22.99 % now but was 23.99 % in XXXX and 24.49 % in XXXX. Therefore, I ask Bank of America to please help me by lowering the interest rate at least 10 points so that I can pay this balance off.

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 2017-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I contacted Transunion regarding a XX/XX/XXXX bankruptcy chp XXXX. I informed them that this was not my information. I had a chp XXXX that was removed in XX/XX/XXXX the chp XXXX is now reporting as verified. I contacted the court house and they did not provide this documentation. They did find a chp XXXX in the I formation. I have challenged this information 4 times this year. Information is fraudulent and must be removed. Also Transunion reps refuse to remove information they have not researched.

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 2023-08-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Enerbank charged me for 18 months double my payment of {$79.00} on the XXXX of each month. I called about 3months ago about this problem and they did nothing. I want my money back and they refuse

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 2017-11-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit 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 was on vacation in California, in late XXXX this year. My wife needed a new swimsuit, so we went to Kohls. We had left our Kohls card in my wife 's purse at my Parents ' house, so I had the cashier look me up using my social security number and state ID. 
I was surprised to see someone else 's name and address pop up on the screen. 
It turned out that our account was under my wife 's name, and my social security number was being used by someone else. 

I immediately called Kohls on XX/XX/XXXX to file a dispute. I was told that a dispute was in place, and a letter would be sent to my address. 

As of XX/XX/XXXX that letter had not arrived, so I called Kohl 's back. It turned out that no dispute or fraud claim had been filed because my birthdate and the birthdate on the account were different, but the representative assured me that they were placing a fraud alert on the account, and even gave me a confirmation number. 
In the meantime, I set up an account with the FTC and started an identity theft recovery plan. I also put a freeze on all the credit bureaus ' reports. 

XX/XX/XXXX I received a letter from Kohl 's addressing a dispute of charges to that account. The letter had my correct address, but it still had the other person 's name in the address line.

Again I called Kohls. It turned out that there had not been a fraud alert placed on the account again. The representative assured me that the account would be " taken care of. '' When I asked if it had been closed, the call disconnected. 
Meanwhile, my wife had also received a letter that someone had tried to use her social security number to apply for a Kohls credit card. We called and cancelled her account. 
As I was searching the web to see if other consumers had similar issues, I noticed that the FTC had sued Kohls in XXXX for not providing information to their customers who were involved in identity theft, and now they are required to do so in a " timely manner. '' It turns out that Kohls seems to have a data breach problem with very little incentive to do better. It's not worth the 30 % off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: SCA Collections, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX and SCA Collections on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from SCA Collections even telling me they will delete the negative item from 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 explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  XXXX XXXX put a collections on XX/XX/2019 for {$1300.00} open date invalid. I have had this removed once because this is not my acct I will attach what the creditor before sent me on this before hand. It belongs to another person! Please have them remove this account!

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 2019-04-28
Company: I.C. System, Inc.
State: CA
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:
Upon checking my credit report for the first time in years, I noticed I have a collection. I have no knowledge of this account. I am demanding the removal of the collection as well as everything else attached to the account that is negatively impacting my score from all three major credit reporting agencies, XXXX, XXXX, and XXXX. I would also like to note that regardless of the validity of the debt, The collection agency is breaking H.I.P.P.A. laws by sharing medical information. Here is Subsection ( d ) ( 3 ) From the revised XX/XX/2018 Fair Credit Reporting Act. 

Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

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 2017-11-27
Company: ALLY FINANCIAL INC.
State: IL
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 XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I noticed several fraudulent charges to my card and notified American Express. While on the call the agent questioned one fo the charges and said it was " related to charges from other businesses '' and named them. I told him that I didn't see any charges of those sort on the dates in question. We finished the call and I got the confirmation mail, which included charges from many months ago to those two merchants, which were valid and should not be disputed. 

Then I got a Declaration of Fraud form which I submitted with only the fraudulent charges on it. This was rejected by them as incomplete because it didn't include the two ( non-fraud ) charges. I called and explained that those were erroneous and are not fraud. They asked me to resubmit it. I did so. Then a final charge settled and I called to add it, as I had been instructed to do, with no problem ( on the XXXX ). According to the customer agreement, " If you contact us by phone, we may require that you send us your complaint or question in writing within ten ( 10 ) business days. We will determine whether an error occurred within ten ( 10 ) business days after we hear from you and will correct any error promptly. If, however, we need more time, we may take up to forty-five ( 45 ) days to investigate your complaint or question. If we decide to do this, we will credit your Account ... within ten ( 10 ) business days after your contacting us for the amount you have reported to us is in error so that you will have the use of the funds during the time it takes us to complete the investigation. '' We have exceeded the 10 days. I've called every single day since then and spoken with a supervisor, who has told me ( every day ) that I will receive a notification from them that day by close of business. And that has not happened - not a single time of the five that it has been promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions Inc.
State: CA
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:
Experian, after numerous investigations is still showing a collector, XXXX XXXX XXXX ACCOUNT NUMBER XXXX ON MY experian BUREAU REPORT. 
XXXX  XXXX XXXX IS A COLLCTOR, AGENT OR DEBT BUYER FOR XXXX a company who has questionable, perhaps illegal business practices who either knowingly or unknowingly victimiized me.XXXX sold phones and service that could not function in my home and surrounding areas as large as XXXX XXXX, CA, WHERE I WORK and also at my previous home outside of XXXX XXXX. 
XXXX XXXX has a simple plan of theft on the public ... They sell inexpensive service and phones in an area where XXXX dominates the business.The scam is XXXX has insufficient cell towers to provide service, even half the level of service provided by XXXX ( which most everyone has ) .so you get in inexpensive., XXXX appears reputable in advertising, yet the inexpensive service gives dropped phone calls, unintellible conversations, roaming in my own home, interference, static, the wind blows and cuts the call ... ..After talking to experts it is simple.XXXX has an effective scam ... ..the phones, THEIR STORE offices look good but they don't have the cell towers or cell tower leases to allow their phones to function in any normal sense of the word. 
Then when you complain they do not remedy because they can't ... ..They knew they couldn't deliver service when they sold the service to me.. 
XXXX XXXX executives perpetrate fraud on a wide scale where I live ... .they hold my credit hostage to try to collect money for a service that can't deliver..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-31
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I recently opened up a Wells Fargo account due to me closing my account with XXXX XXXX XXXX. I took my cashier check to Wells Fargo branch and asked them would it clear soon because Im moving, they said yes! Now there saying its a hold until XX/XX/XXXX I told them my account was new and would have never deposited the check had I knew that was going to happen! Im upset because I have no funds to cover my fees for moving!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im having a very difficult time removing an account from my Experian report that has passed its 7 year statute of limitations. I have called and asked to have it removed and instead im told that they cant remove it, they lender has to remove the information. Only I have had nothing but incorrect information put on my credit report by the lender ( XXXX XXXX XXXX ) and all they ( XXXX XXXX ) have to do is report that the information is correct and that's it. I have had no problems with XXXX or XXXX   recognizing that this account has surpassed its allotted time to report to my credit and they removed it from my report. All I want is to get this account that was opened in XX/XX/XXXX and 1st delinquency in XX/XX/XXXX off my Experian report. To make matters worse NOW instead of it being taken off my credit report it says it will remain on my report until XX/XX/XXXX!!?? Please explain to me how this is even legal. The account in question is XXXX XXXX XXXX and it was opened in XX/XX/XXXX. I have filed a complaint with CFPB before with no luck but now with the account has passed its statute of limitations it really should be a no brainer at this point. Starting to feel like the Twilight Zone. Please have this account removed from my Experian 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 explanation
Consumer complaint received 2020-02-01
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/XXXX of 2019, We- My wife XXXX XXXX XXXX and Myself XXXX XXXX XXXX went into the local branch of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI. We told the clerk that we wanted to close our account. She helped us withdraw any monies that were in the account. We asked if there was anything else that we needed to do and she said no, that our account was closed. 

On or about XXXX of 2019, we received a notice from Arbor Professional Solutions that we owe {$780.00} to XXXX XXXX XXXX. The document states that the account is still open. This bill was a complete surprise to both of us. This was the first notice that we owed anything to the Credit Union. 

From what we have learned, XXXX XXXX XXXX kept honoring automatic withdrawal transactions without our knowledge or consent and well after we had closed the account. 

We have disputed this account through the credit bureaus with no change in result. We believe that any " hidden '' - transactions, that did not have our k knowledge or consent need to be discarded and removed from our credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Notified on XX/XX/XXXX that there was an escrow account shortage on my loan. Offered a interest rate reduction refinance to lower my monthly payment to make up for the shortage and soften the blow of what was to be an 85 % INCREASE in my payment ( from {$1100.00} a month to {$1800.00} a month ) Worked with the IRS to subordinate a federal tax lien to be able to do the refi. After weeks of no response I was told I no longer qualified for the refinance without explanation. Mid XXXX, requested and was approved for a 48 month spread on the escrow account shortage. 7 phone calls, countless emails and mailed correspondence to correct this error have been ignored. 
Since then, my monthly mortgage payment has increased with no response to my requests to rectify this. 

I called to request a 48-month escrow spread for a shortage on XX/XX/XXXX. I was told at that time that this was approved and would be reflected on my account by XX/XX/XXXX. 
Since then, my monthly mortgage payment has increased 85 %, no response to my requests to rectify this. 
On XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

Again on XX/XX/XXXX I called and logged in to see this had not been updated, it had not. 

I again called Freedom directly and spoke with someone who confirmed the error and advised that I call back the next day and this should be fixed. 

I did indeed call back on XX/XX/XXXX and XX/XX/XXXX to Freedom and this still had not been resolved. I was told on XX/XX/XXXX that a new ticket has been created and this should be escalated to be addressed and fixed. 

It is at that time that I made the new estimated payment of {$1500.00} with the representative over the phone to make sure I wouldnt incur a late fee or mark on my credit report. Payment was made, cleared and is showing in suspense. 

As of today, XX/XX/XXXX, the status is still incorrect, late fees are assessed and account is showing delinquent. Those fees are incorrectly imposed, the delinquent status is incorrectly imposed.

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