BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-22
Company: Blue Global Media, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I needed some emergency money to pay off bills and I was sent a email regarding a loan offer and I reply and weve been communicating through email, phone, and text and It got suspicious when they said they would send me the money and I would need to send it back and I researched and found out they a scam and I havent returned the money and changed my mobile password, and blocked them what should I do? I dont want to be a victim and I didnt know till after I got approved call me if need be XXXX or email XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-07
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Payment Date Status Amount Principal Interest Fees XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$200.00} {$0.00} {$200.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$0.00} {$210.00} {$0.00} XX/XX/XXXX Returned {$210.00} {$26.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$21.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$18.00} {$190.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$14.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$12.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$10.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$8.00} {$200.00} {$0.00} XX/XX/XXXX Paid {$210.00} {$6.00} {$210.00} {$0.00} I have tried to call them to settle the debt. the first lady said i could settle the debt for the amount I had gotten for the loan which is XXXX. I have already paid this company nearly double XXXX $ has already gone to them. I currently not working and am looking for a job. This also did not show up on my credit report of them checking my credit or even reporting it to the bureaus. I would like this to be taken care of but I do not know what to do. They told me i still owe them another XXXX XXXX that is double of what I borrowed.

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 2018-12-22
Company: Credit Service Company, 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: Was not notified of investigation status or results

Complaint:
I filed for Bankruptcy XX/XX/2018 and went on to all three credit bureaus to make sure debts were showing such and if they didnt I disputed them and asked the bureaus to please update or delete the account. All creditors were notified by the US Bankruptcy court XXXX and XXXX  did their part and either updated or deleted where XXXX  has given me the hardest time getting this one account of my credit report and I disputed it three times since doing the bankruptcy as the confirmed the account that has be included in the bankruptcy and I told the creditor and XXXX  on numerous times they are violating the us bankruptcy act but not updating the account to show XXXX balance and included in bankruptcy along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Colorado XXXX-XXXX  on account # XXXX original creditor XXXX XXXX who already had taken their file off my three reports but this collection agency refuses even after numerous calls to them. XXXX  is all refusing and aftr three disputes and I saying that I was filing a Dispute with your agency they want my ID and social security card to make things more hard on me. After completing the last investigation and threats of me filing this dispute items that were removed where put back on my credit file which were included in bankruptcy tonight the added then back down to drop my credit score 128 points in retaliation knowing they were included in bankruptcy under XXXX XXXX. They violating Fair credit reporting act and should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
On XX/XX/18 I was searching for travel tickets trough American Express travel program. I planned to use points to purchase tickets, since I have a large amount of points available. I found a travel itinerary that was exactly what I was looking for. It said that they had 9 tickets left and I needed 5 tickets. When I tried to book it, it gave me an error and told me to search for another ticket. I tried to connect with the chat support online and got disconnected twice. I called the customer services and they offered me the same travel itinerary for XXXX points more for each ticket. I argued that it was not fair that they advertised one price online and wanted me to book the same itinerary for a much higher amount. I chatted online with 2 people and spoke with 3 people  over the phone. I spent almost 3 hours on the computer and phone. I didn't book the travel tickets through them as they didn't honor the prices they posted. I am a customer for years and have a business Platinum account ; yet they were unable to honor what they advertised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-22
Company: EQUIFAX, INC.
State: HI
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 am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Penn Credit Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit & found an account was opened. That I never set up. I live in XXXX, AZ & it's coming up as PA debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my 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 2018-12-22
Company: EQUIFAX, INC.
State: TN
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 am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: AMERICAN EXPRESS COMPANY
State: SD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened two accounts with American Express National Bank, one for a high yield savings account and the other for a CD. I sent in the deposit slips by mail, and because I was uncertain which slip went to which account I wrote on each check where I wished it to go. On the {$20000.00} check I wrote on bottom left high yield savings and on the {$3000.00} check I wrote CD account. Recently I received a letter listing the CD as having {$20000.00}, and I also learned the high yield savings had {$3000.00}, which was the opposite of what I intended. I called last week and was told that the accounts would be switched and I should call the next day. I called the next day and was told they are working on it and I should call early next week to confirm the transaction. I called early the next week as instructed, and was told that the banking operation team determined it was not a banking error. I asked to speak with a team member and was told they can not be reached by the public. I went through several supervisors and received the same robotic answer - it is not a banking error. I was also told that if I wanted my {$20000.00} switched to the high yield account or sent back to me that I would have to pay {$780.00} in penalty ( 540 days of interest ). I asked why they had not called me when they saw the discrepancy and was told again the banking team determined they were not at fault. I believe the deposit slips are very deceiving, and since they look identical it would be easy to confuse which went where. I asked to have the slips sent to me so that I could see how the bank decided they were not at fault, and again I was put on hold, then was told it would have to be approved and I could contact them in 7 to 10 days to see if it was.

I am XXXX  years old and in no way wish to tie up {$20000.00} of my savings in a 5 year CD. I believe they took advantage of a situation and now have my money although I clearly marked where the checks were to go. XXXX XXXX XXXX XXXX has only one phone number and the people who answer are obviously trained how to field complaints, how to put one on hold, and how to defer giving answers. This bank seems impersonal, deceptive and difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to the COVID-19 pandemic crisis, I was laid off of work on XX/XX/XXXX. Once I realized I would have problems paying my bills I called every creditor, including Home Depot on XX/XX/XXXX, and asked for a hold on the balance of my deferred interest payment that would be due on XX/XX/XXXX. I was told that they did not get direction from corporate as of yet, and did not know if they were helping their customers with their accounts. However, they would have someone call me back or send a message as soon as they knew. I waited a little over a month, and noone called back. I called again on XX/XX/XXXX to ask what ( if anything was being done ), and I was told I would be put on a COVID-19 account assistance and my deferred interest payments would be put on hold, and what was already charged on XX/XX/XXXX would be reversed since I call just days before that. I waited, and it was not reversed. Therefore, I called again on XX/XX/XXXX, and was told the exact same thing and this time the rep ( who was very helpful ) said she went in and did it herself and I should see the change in my balance within a few days. I then received a letter via online, which stated my request was denied. Naturally because I was told that this was handled already I was confused as to what request this letter was referring to, so I called. I was then told that the rep was mistaken and although she said this would be handled ( which I am is on our recorded call ) they would not reverse the {$1500.00} that was added to my account on XX/XX/XXXX as as as well as the {$130.00} that was added on XX/XX/XXXX, and give me extra time to pay the promotional balance that is due, since I made it clear that due to the COVID-19 I was out of work. I would like them to remove this extra interest charge off of my balance, which is lowing my credit score, and give me an extension to pay my promotional balance, so that extra interest is not applied to my account balance in the mist of this global pandemic that has halted my family 's income. Thank you in advance.

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 2020-10-12
Company: EQUIFAX, INC.
State: DC
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: Investigation took more than 30 days

Complaint:
I submitted several disputes related to erroneous items on my credit report. I contacted both credit reporting agencies ( XXXX, Equifax, and XXXX ) in addition to the creditors as seen on the letters. I am requesting the assistance of the Consumer Financial Protection Bureau. The required timeframe for investigation is between 30 to 45 day. The credit reporting agencies have exceeded the timeframe by law and these items need to be removed from my credit report immediately as it is hinderance in applying for new credit, housing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Timeline of Events : XX/XX/XXXX - Forged checks under my name were created. XX/XX/XXXX - An unauthorized NEW chase account under my name was created and a debit card was sent to my house. The forged checks were deposited and attempted to be withdrawn, but Chase stopped the transaction. XX/XX/XXXX - Chase has identified unauthorized checks and asks me to contact them. XX/XX/XXXX - I contacted Chase and they could not verify my identity because I am located internationally at the moment. I contacted them several times and eventually shared all the information they required to confirm the false account is not mine. XX/XX/XXXX - My EXISTING online account is not working. When I contacted them, they said they have ended their relationship with me after people deposited and withdrew money in an newly opened account under my name. My existing account had XXXX and they deducted XXXX for issuing a check and have sent the remaining XXXX to me. As you can see, a NEW Chase account was opened under my name, but they closed by EXISTING account. First off, why did Chase allow a new account to be opened in my name? Second, when I inquired further, they closed my EXISTING account. My EXISTING account had nothing to do with this fraudulent activity. Why did Chase end their relationship with me so abruptly? Since the EXISTING account closed, which was my active bill paying account that I share with my wife and brother-in-law, we've had problems with bill payments ( many of them late ), deposits, etc. I could not access my history online and couldn't remember addresses to send bills. Chase has shut the door on me without any explanation and I want answers. Monetarily I can only ask for the {$24.00} fee that they deducted and the XXXX check that I never received. In addition, I want to understand why they decided to treat such a loyal customer like trash, and I wish I can paid for that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For the dates listed XXXX, and XX/XX/XXXX, I sent a request to have late payments removed for the following dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX due to me being in a natural disaster ( Hurricane XXXX ) and the Pandemic ( Covid 19 ). Capital one has refused to add a natural disaster code so that the late payments do not affect me negatively. I have also requested that the late payments be removed being that I made all my payment on time up until I was affect by the natural disaster and the pandemic. I received no notices from Capital one auto loans on a plan they had in place for consumer affected. I would like for Capital One to remove these late payments and provide proof that I was notified of the late payments in a timely manner to avoid the late payment being reported to the three major credit bureaus ( XXXX XXXX XXXX ). I am also requesting that these late payments be removed within 30-45 under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
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 belongs to someone else

Complaint:
Identity theft letter and FTC report attached for the second time

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 2020-09-23
Company: AXOS FINANCIAL, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
As of XXXX XX/XX/XXXX Axos bank ( XXXX ) are holding my funds due to a unexpected/unexplained review i contacted them twice was told they can not provided me with any info or that i cant close my account and get my funds i need my money i have XXXX kids XXXX XXXX XXXX and XXXX and bills that are due and cant work due to corona and my kids are home doing virtual learning i transferred that money in the bank thinking it was safe and Im protected i have no money as of now rent is coming up they have XXXX on hold with no real explanation on why and no time frame of when review will be over and release my funds its a difficult time in the world right now and no one should be taking money from anyone can you please help me thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: DISCOVER BANK
State: IL
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:
Discover Card advertised a promotional to open a new account. The ad ran as " dollar for dollar cashback match '' for the first year. I opened the account in XXXX. My first bill was for $ XXXX. I received {$.00} cashback match. Didn't make any sense so I waited for the second bill where I had charged $ XXXX and paid the bill two days ago, so reviewing the bill was fresh in my mind. I have an excellent credit rating. I was listening to XXXX apx. XXXX XXXX. this morning, CDT, Saturday, XX/XX/XXXX. The commercial again repeated, " dollar for dollar cashback match ''. I called Discover and was told it is not " dollar for dollar cashback match '' it is 1 % cashback match. 1 % of XXXX pennies is XXXX cent, not XXXX pennies. So my most recent bill was $ XXXX, my credit match is {$3.00}. This is NOT dollar for dollar. I explained this to two Discover agents, who reiterated the cashback match is 1 %, NOT " dollar for dollar cashback match '' for the first year, as repeatedly advertised. This is completely false advertising, a gimmick to hook in new customers and is completely false. Having repeated the same information 3 times to two different agents, I simply said, this is deliberate false advertising, am filing a complaint. No where on their commercials is 1 % cashback match EVER mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I check my credit report frequently, that's why I noticed on XX/XX/XXXX that Bank of America had closed my credit card. They have provided NO NOTICE to me that it would be or has been closed. There is a XXXX dollar balance and we have been practical to limit use of the card except when needed. The account had been open for over 20 years and never had a late payment. 

I called Bank of America to inquire why it was closed and they treated me with great disrespect - indicating that the account was closed and sent to collections. I was shocked as I had paid the card off 2 years ago and was concerned there was a mistake. I spoke to the collections agent who confirmed there was no balance due and the account should not have been sent to collections. He referred me to speak to a " credit analysis '' who I called the next day. 

The credit analyst offered to open a new credit card but refused to reopen my existing account. They indicated that the account had been closed due to inactivity, despite the fact that we have been a long-term, loyal, and credit-worthy customer. 

As a result of their actions, my longest open credit card ( and with fairly high available credit ) has been removed from my credit report. Furthermore, the " remark '' that it was sent to collections appeared on my credit report. Bank of America was entirely unhelpful and dismissive in resolving these concerns. They have yet to mail or email me ANY notice of the account closure - saying only that they have no obligation to perform this simple act of customer service and that a notice " should be '' mailed within 30 days of the closure.

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 2021-07-17
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried for months to communicate with a credit card company with holds on the phone for hours, then I will be disconnected. I have no means of communication to settle a charged off account, and I do not wish to file for bankruptcy. My contact information is listed within this complaint. Thank you. XXXX XXXX

Company response to consumer: Closed with explanation