BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: NJ
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/2020 submitted a dispute letter to Equifax stating and labeling specific inaccuracies with a Negative Account name XXXX XXXX XXXX XXXX. I ask for a specific investigation into elements of this inaccurate reporting. I then also ask for documentation from the investigation as well as the Method Of Verification for this investigation. I got neither a Method of Verification documents nor did I get a investigation based off of my dispute.. Equifax replied to the the dispute by saying the account Balance date was updated, when this was not the premise or reason for my dispute as stated in the original dispute letter which I uploaded to this complaint along with the supporting documentation proving and showing inaccuracies for the negative account XXXX # XXXX. Now to get to the nature of my dispute for XXXX # XXXX -1. Reporting 3 different Date of 1st delinquency and date assigned to 3 Bureaus XXXX2. Reporting 3 Date of last payments. 4. Reporting 3 different balances to 3 different bureaus. 

By looking at the documentation I submitted these is just some of the multitude of errors that I disputed specifically and never was investigated in too. All I got was Results saying balance date updated. this ws not the nature of my dispute. it's obvious the Equifax did not do a complete and thorough investigation, and did not rely on any of the proof that I submitted to them. Its obvious the issue is no one from no person from XXXX XXXX  was contacted for the dispute and no evidence was submitted because there is 3 different reporting on these issues with 3 different bureaus about the nature of my dispute. 
I have proven that deletion is the only outcome which was the the determination XXXX  came too

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Oor insurance company XXXX is supposed to pay for my XXXX XXXX and 4 XXXX test a year. XXXX XXXX  is self insured. I was never told that XXXX XXXX quit paying XXXX and that is who my doctors use. I am in the process of filing a complaint with the company XXXX, the insurance company XXXX. I have tried to to resolve this by phone with both companies. I want to try and buy a house inXX/XX/XXXXXX/XX/XXXXand now all of this. I was told by the doctors that are requesting this work that our insurance company according to their guidelines agreed to pay and now they wont. I have 3 disputes all for the same issue. Same company. 
Amt XXXX XXXX XXXX  for doctor XXXX Amt XXXX XXXX XXXX XXXX testsXX/XX/XXXX Amt XXXX XXXX XXXX XXXX All reported XXXX I am not sure why all of a sudden I have this issue and I can not get any help or resolution. 
We pay premium money and now my husband has retired from this company and they wont help us at. XXXX says we owe over XXXX dollars HOW? Please help. Supposedly XXXX and XXXX has not paid for anything in over 3 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: WELLS FARGO & COMPANY
State: DE
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:
In early summer Wells Fargo informed us that they were discontinuing our overdraft protection line of credit, and that we would need to apply for a credit card in order to continue to have overdraft protection. I didn't want another credit card, but under the circumstances applied in order to ensure we'd have overdraft. After I applied for the card ( and was denied ). I then received a letter from Wells Fargo that stated based on feedback from customers, they were adjusting their approach and keeping the line of credit open. I asked Wells Fargo to remove the credit bureau inquiry as I would have never applied for the card to begin with had this debacle with their credit lines not occurred. They have refused. This is just absolutely terrible customer experience and will result in me beginning to untangle all my finances with them. 

For what it's worth, I have a very high FICO ( XXXX ), more than sufficient income/ability to pay and a 30+ year relationship with Wells Fargo.

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 2020-01-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Because I was late once Citibank feels that it has the right to call me everyday at work and at home at least three times a day. This is annoying since I had already pay what was owe for that month. I research this on the Internet and found this is a common practice with Citibank. I will never get another card from them when I pay them off. Isn't it illegal for them to do this if you are not past due? I always resent that they have posted a big past due on my account when I am currently not. What gives Citibank the right to torture people like this! I don't feel that I should have to pay a lawyer to get Citibank off my 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 non-monetary relief
Consumer complaint received 2020-01-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a XXXX XXXX business account that used to be reporting unto my personal profile but was eventually deleted after disputing it. Suddenly on XXXX XXXX, it was reinserted to my profile without notice decreasing my score and putting me at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My complaint is with Bank of Anerica. They cancelled all my credit cards with them for no reason. I had saved rewards totalling XXXX. They did not notify me that they cancelled them on XX/XX/2018. So when they cancelled i lost all my cash rewards. I was saving money to open a XXXX XXXX acct with them. My credit score has always been XXXX to XXXX all my life. I never paid a bill late. I took this to small claims court but the judge ruled the bank can do anything they want. I just want my cash rewards owed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX Ps. The bank said the reason they cancelled my credit cards were they were afraid i would charge a lot of money and i had too many hits on my credit. Why would i do that? Im XXXX years old. Ive  never done it before so why would i do it now. There were 5 credit cards involved. They are XXXX, XXXX, XXXX, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I disputed all 3 credit Bureaus via postal service on account with XXXX XXXX account number XXXX asking for verification not validation of this debt because of its inaccuracies. It is my complete understanding that a debt placed on my personal credit report should be 100 percent accurate and verifiable at all time and must match. All 3 responded as the debt had been verified. I then sent another dispute to the credit bureus via certified mail on XX/XX/XXXX and the same response was given the debt was verified. I contacted the XXXX XXXX for documents and I havent received a response to date. I then filed a complaint with you all please see complaints # EQUIFAX-XXXX XXXX XXXX Most I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this tradeline, and the results came back either verified or updated ''. There are several inaccuracies across all three credit reporting agencies. I have attached copies of the reports that they are each reporting. i would like justification on what method of verification they used and why they are allowing these inaccurrates to continue to hinder my life. I am filing with the attorney general on XX/XX/XXXX and preparing for a lawsuit. As i have a solid paper trail of these discretions.

*open dates are all conflicting *XXXX is even claiming a payment of XXXX was made? How is that when its a charged off account. Which makes them all have incorrect balances? 
*Charge off accounts are acknowledgement that the debt is uncollectable and lets the IRS give a tax credit. So the balance would be XXXX. Each report is reporting a balance whether wrong or not. 
*HOW CAN A CHARGED OFF ACCOUNT THAT SHOULD BE REPORTING XXXX SHOW A PAST DUE BALANCE AND A BALANCE AMOUNT? 
That is clear vioation of myrigthts as of the consumber law 623. which states that Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 


DELETE THIS UNVERIFIED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Experian Information Solutions 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:
I disputed the following accounts with Experian on XX/XX/2020 because the accounts are the same refinanced accounts, not duplicates, and the balances are incorrect. 

1. XXXX XXXX, account number XXXX XXXX. XXXX XXXX, account number XXXX XXXX. XXXX XXXX account number XXXX Experian stated the accounts were verified, but they did not actually verify the accounts. 
Experian continues to report these inaccurate items on my credit file. 
By Experian continuing to display the unverified accounts on my credit file they are in direct violation ofThe Fair Debt Collection Practices Act ( FDCPA ). 

These accounts should be removed from my file because the debt was not verified and is inaccurate.

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 2017-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can do?

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 2018-12-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried Opening a checking account with Chase in XX/XX/2018. I was told that I have been banned from having any accounts with Chase by the loan officer, they gave me no reason as to why I was not allowed to open an account and why I was blacklisted. I have never had any type of accounts with Chase or have ever done business with Chase. The loan officer said my account was flagged in XX/XX/2011 but I was in high school at the time and did not have any history with chase at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Throught all of the delays with Chase, I had to file bankrupcty to stop the foreclosure of my home. I should not have had to do that. Problems with chase has been on going for years and all I want to do is leave the property. At first they gave me a hard time about trying to keep the property and now that I want to leave, I am still getting a hard time. Every time I contact Chase or receive mail from them, they tell me something different. I received 2 letters datedXX/XX/2018 where in one letter, I got assigned a new relationship manager who said she will be in contact with me. I dont recall speaking to her. The other letter, which is the real reason why I am writing, states '' we can't consider you for mortgage assistance because we didn't receive your initial request by the required number of days before the scheduled foreclosure sale. If the foreclosure sale date is pushed back by more than than this required number of days, we '' ll continue to review your request for mortgage assistance. '' This is nothing buy lies. I turned my mortgage application in on XX/XX/2018or so. Chase didn't review it. They chose not to. Now they are sending this to me after the fact to try to cover their butts again. I have made it known many times that I am always being told different things, which has impacted how I have proceeded in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Mortgage Loan Number : XXXX I am demanding information described below in regard to the debt being collected on my property at XXXX XXXX XXXX XXXX in XXXX Ga. 
My last payment on the loan, according to their records, was on XX/XX/XXXX. In all their correspondence to me they describe the company as a debt collector collecting a debt. The Statute of limitations in the State of Georgia, where my property is located, is 4 years on collection of a debt. this collection of my debt has gone over the four year limit as of XX/XX/XXXX. Select Portfolio Servicing is in violation of the Statute of Limitations to collect a debt according to Georgia State SOL Laws. 

I demand that the foreclosure scheduled for XX/XX/XXXX on my Property at XXXX XXXX XXXX XXXX be postponed until they can prove they are not in violation of these Statute of limitation laws of Georgia. I request a detailed account of Select Portfolios reasoning that they are not in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.

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 2020-01-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My purchases were closely monitored by a third party without my authorization or approval. The monitoring continuously allowed retrieval of items purchased for chemical treatments, removal, or avoid use without notice from the merchant. The incidents were continuously reported as burglaries. None of the items purchased were from independent contractors or resellers. The items were purchased from major gas, pharmaceutical, electronics and clothing and linen retailers. Even when purchased online, the vendors selected when given the option to select from approved sellers of which the retail agent was allowed to negotiate were never independent contractors. Actions to support smaller businesses not involving the activities of the above but purchases of consumable items, often involved GPS tracking to allow individuals to arrive at the same time as the reporting party, which was not what the reporting party intended.

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 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
This is in regards to Complaint numbers XXXX and XXXX ... 

I just saw that Capital One credited my account for the two transaction rebills after rebilling me rather than crediting me as they said they would do ... However, I clearly stated in my complaint that these transaction rebills that were not supposed to be there caused interest charges on my account, and they never removed them. They are as follows ... 


XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$0.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$1.00} Please tell Capital One to remove these charges. They've given me enough of a headache and wasted enough of my time ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-26
Company: Navient Solutions, LLC.
State: NY
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 been a long time loan paying citizen and I have been trying to gain some help in lowering my payment to sustain a descent lifestyle. I was temperarilry put on a lower interest rate program but now that that is over I have no other options to pay the high monthly fee. I have made several request to lower my payment and there is no help available. I have pay every month and I am diligent in calling to help with my cause. I have not even been able to the principal down I have only paid interest thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I asked that my fraud alert be removed as it has prevented me from using my personal credit in both a personal and business transaction, yet to no avail.

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