BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-29
Company: Hampton & Hampton Collections LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting several local and 800 number phone calls that left no messages. XXXX XXXX called from local number XXXX XXXX XXXX and said there is a criminal case against me and i need to call for info. They gave me the # XXXX XXXX XXXX and a file #. I called and they identified as XXXX and XXXX. Stated they were going to mediate a criminal case against me with XXXX federal charges re : knowingly defrauding a bank. I asked which company reported this and they said XXXX XXXX which is a payday loan co i have used. XXXX i must pay XXXX $ or the sheriff will arrest me tomorrow. Asked for more details and caller got rude and threatening. Asked to speak to someone else and he said " it doesnt matter who you talk to, you will still get arrested. '' And then he hung up.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Jetblue with Barclays has a promotion going on offering XXXX trueblue airline points with Jetblue. The offer is on Jetblues website as well as Barclays.. everywhere says XXXX points for getting the jetblue plus card, and paying the {$99.00} annual fee and spending {$1000.00} within the first XXXX days. I applied on XXXX XX/XX/2022 through the link at jetblue which states XXXX points, and within the month I spent over the {$1000.00} limit and paid the fee. I only received XXXX points by the end of the billing cycle. I called barclays, which is answered by an automatic machine which says anything related to trublue points, to contact jetblue. I clntacted jetblue today XXXX XX/XX/2022 through chat and they stated i need to contact barclays as they would know what promotion offer i applied for. I dont know why would there be another promotion offer as All i saw in both websites jetblue and barclays were the XXXX points. If they had me under another promotion, then means they are luring customers in by advertising in a way and then applying different offers that were not clearly advertised, creating confusion and scaming people. I searched for information online and seems other people have fallen victims of this as well.

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 2023-07-20
Company: ACIMA CREDIT, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Acima Leasing Company is similar to XXXX XXXX. They charge a voluminous amount over the value of the items purchased. In XX/XX/2022 I signed a lease agreement with terms of 90 days same as cash for less than {$1000.00}. I couldn't pay it off in time. Then I had to carry the terms of XXXX or so every two weeks with an option to take 25 % off to pay in full every month or so. I am at the end of the term and still have a balance. I have paid them over {$2400.00} since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: Experian Information Solutions Inc.
State: TX
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:
I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX accounts for months. Experian refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

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 2018-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Bank of America ( BoA ) is mishandling my escrow account and the monies I have deposited therein for payment of my homeowners insurance and property taxes. They are notifying me I have no homeowner 's liability insurance. I do have such insurance ; the premium is paid by BoA from my funds held in a BoA mortgage escrow account. 

On XX/XX/XXXX I received urgent phone calls from an agent for BoA stating that I do not have homeowner 's liability insurance. On XX/XX/XXXX I called BoA and spoke with a BoA agent who told me the certificate of coverage issued to me by my insurance carrier as proof of coverage would not suffice as proof of coverage, and that BoA required a copy of the policy itself. I told him the policy itself does not show a coverage period or any premium information, and that in my years of defending residential foreclosures in state court the certificate of coverage or binder was the only documentation BoA would accept as proof of coverage. I gave him my insurance agent 's contact information. On XX/XX/XXXX I faxed him an 8-page letter with attachments including my 'continuation notice ' from my insurance company. ( Attached here. ) I filed a complaint with the NYS Department of Financial Services ( DFS ). BoA has called and written to notify me they received the DFS complaint and are investigating. I have since received a notice, not a bill, from my insurance company stating the premium is due on XX/XX/XXXX. 

I changed insurance carriers in XXXX. BoA paid my old policy premium and a few weeks later paid my new policy premium. Shortly thereafter they notified me I had no insurance and threatened to purchase force placed insurance. I filed DFS and CFPB complaints. BoA notified me they would not bill me for force placed insurance. I know they paid my new, current, insurance carrier, because documentation I received from my carrier showed payment in full by mortgagee BoA. I was unable to determine if BoA handled my escrow funds correctly because they refused to provide plain-English documentation of payment of either premium. 

BoA needs to pay my homeowner 's insurance policy premium in full once a year and stop XXXX around with my escrow 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 explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX credit monitoring service has notified me that there was a credit inquiry on my Experian Credit Report dated XXXX/XXXX/2020. It was from the US Small Business Administration ODA. I have not applied for any loans or credit through the SBA and am concerned that this may be fraudulent activity involving my identity. I have been in contact with Experian and they have a fraud alert in place. I have also filed a report with the SBA-ODA division. 
Thanks for your help in this matter.

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 2020-11-26
Company: Experian Information Solutions Inc.
State: AL
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:
I have disputed a bankruptcy on my credit report for a few months now. I disputed with the 3 main credit bureaus and with XXXX. I have attached paperwork received from XXXX after I wrote them and the paperwork states they were unable to verify the bankruptcy as mine and removed it from my credit report. Experian still is reporting it and has yet to explain how they are verifying this as mine. This should be deleted from my 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 2023-05-12
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  XXXX XXXX and Javitch Block LLC have failed to provide me ANY of the requested information dated XX/XX/XXXX, XXXXeither by posting all the information publicly on the case court docket, attaching the documentation through the CFPBs Meditation Portal, through secured email or regular U.S. regular mail*. 

Javitch Block LLC, on XX/XX/XXXX, filed a motion to extend the time to response to this request to XX/XX/XXXX. This day has come and gone and as of writing of this letter NOT A SINGLE PIECE OF INFORMATION AS BEEN PROVIDED ( over 4 months late ) by any of methods listed above. 

I urge the Federal Government to action against Javitch Block LLC** for ramming through court cases that are seldom contested and result in judgements to the American public that is too busy or dont have the resources to defend themselves from such action. Because they have not proven otherwise, I believe Javitch Block LLC is filing lawsuits across the nation from a central location in Ohio for collection accounts suits. When a company is left unchecked, they will feel empowered to continue actions that may need to be corrected. PLEASE TAKE ACTION CFPB!!! 

* Complaints were filed with CFPB on XX/XX/XXXX ( # XXXX, answered on XXXX AND # XXXX answered on XXXX ) REGARDING NUMEROUS ISSUES ON THIS ACTION ** wide scale audits from across the nation for cases won by default and, as appropriate, criminal and civil penalties for breaking laws in place to protect the consumer at large

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 2019-05-31
Company: GREAT LAKES
State: FL
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:
The year XX/XX/XXXX-XX/XX/XXXX Dept of Education paid {$9400.00} to XXXX XXXX College. At the time this school has been convicted of committing Fraudulent activity. At the same time I attended XXXX XXXX College someone in there Financial aid department received a pell grant from XXXX XXXX OF XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NV XXXX-XXXX. When it was brought to my attention I automatically applied for Loan  forgiveness with XXXX XXXX  on XX/XX/XXXX ( my application number is XXXX ) which is still pending I was also informed to notify my loan services Great Lakes Borrower and they did nothing about it. I told them I was a victim of fraud through an institution who was shut down due to fraud and they are still trying to hold me accountable for XXXX plus interest. I have disputed this and reached out to them several times and nothing. I even provided them with the XXXX XXXX of XXXX number and address and it was phony too. My loan serviced did nothing even XXXX XXXX still has my application as pending because it is being investigated!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I ordered some merchandise on line from a jewelry store. I never got the items I ordered yet my bank took the money out of my account any way. I provided the bank with the police report that showed them that I never received the items I ordered because they where stolen before they ever reached me. Police report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I 'm being billed by Experian Credit Bureau a product called Credit reporting or something to that effect for XXXX for the past three months. I signed up with them for a XXXX trial offer then after a period time if I did n't cancelled they would bill me XXXX. Here 's the problem, I can never get through to them to cancel. What I thought would be an easy process to cancel was to go on the internet and cancel on their website like I signed up but they have no way to do that, they instead make you call which I have over and over and over on the number they give to cancel. The number they give is XXXX and today was the last straw. I waited on the phone for over and hour and fifteen minutes and finally hung up. Who has that much time to waste. They are making it impossible to cancel which I 'm hoping is n't their strategy but it sure seems that way. They have been billing my credit card with the number ending in XXXX and I would like these all of these charges refunded with the exception of the dollar I agreed to. That 's a total of XXXX they billed me and I want it back. I 'm on XXXX XXXX XXXX and I ca n't afford these unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all 3 credit reporting agencies or the account has to be removed from my consumer report as this constitutes fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I paid for credit monitoring with TransUnion. For. Over four months I have not been able to have my credit report accurately updated on time. I have seen icons stating that my credit report has not been updated in over 47 days, On the TransUnion 's website. And when I call to speak with a live agent I am always being told they are not able to answer any questions due to system outages. ( This has occured for three months ) transunion is effecting my ability to purchase a home .And monitor my credit.

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 2021-06-24
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection was placed on my credit report about 2 months ago by Rent Recovery Solutions out of XXXX. They dated the open date as XXXX of XXXX. The original owner being XXXX XXXX in XXXX. On XXXX XX/XX/XXXX I was in an accident. Spent 42 days in a XXXX and a total of 105 days XXXX. At the time of the accident I had not even been living there for a month. I never returned to the apartment and was never notified of any debt. Additionally that was XXXX of XXXX and past the 3 year statute of limitations for the state of South Carolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company continues to make false claims. This is my fourth complaint and I will need to get legal representation. 
Have pulled my credit report today XX/XX/XXXX and this shows reporting as a collection and not paid. I asked for proof rash and Curtis told XXXX to delete the debt and they didnt They said if I pulled my credit it would not show that is also a lie Now I will need to go to court to have them keep their letters claim which is to request XXXX  to delete

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We received a letter from Wells Fargo stating that they will be closing our business checking account that has been open and active since XX/XX/2002. The account funded an initial investment to a reputable developer as a partner and is currently receiving distributions from the net rental proceeds on a monthly basis. We do not deposit any large amounts of cash to this account. We have never written any bad checks from this account or any of our accounts. The Wells Fargo letter states that the pending closure is a " business decision ''. There is no risk associated with this account and any claim that this account is a risk would be a false assessment. We feel that Wells Fargo is simply claiming a " risk '' out of thin air and closing accounts to simply satisfy and counter their recent shady activity of opening unauthorized accounts.

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 2018-07-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My boyfriend XXXX had a Care Credit credit card account with Synchrony Financial Bank, in XXXX, Florida, that was opened on XX/XX/XXXX. It begins with the numbers : XXXX He added me as an authorized user on this account in XXXX of XXXX. 

Synchrony Bank is not reporting this account to XXXX, XXXX, and XXXX XXXX. 

They need to report it on my credit files with these 3 credit bureaus, because I was listed on the account as an authorized user.

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 2023-02-06
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My prior complaints about this have still not led to resolution. TD Bank accepted a stolen, fraudulently endorsed check ( evidently deposited into a XXXX XXXX account ) and has still not credited my account for that error. The check was written to a landscaping company back in XX/XX/2022. It was deposited with some personally scrawled signature not even resembling the payee. It was evidently a mobile deposit that was allowed by XXXX XXXX. The TD Bank fraud investigation began in XXXX. I filed all the paperwork and prepared the submission with the assistance of the people working at TD Bank in XXXX XXXX NJ. This passage of time without resolution should be an embarrassment to the CFPB. TD Bank allowed this money to be taken from my account and all they say is they have to wait to hear back from XXXX XXXX. Enough is enough. The CFPB should intervene to ensure this evasive customer abuse stops and I am returned the funds that should never have been allowed to be taken out of my account. The fraudulent endorsement was obvious. How long must I wait to have my money returned? I hope the CFPB is able to persuade TD Bank to do what is obviously fair and just at this point.

Company response to consumer: Closed with monetary relief