BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. 

At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. 

The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. 

I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. 

For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. 
. 

.

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 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 an American Express card in my name, which is not mine, was used to pay for turbo tax. 

I do not have an American Express card, or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ; XXXX XXXX   XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX   XXXX  XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/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 non-monetary relief
Consumer complaint received 2017-12-02
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX/XXXX XXXX reported a false late payment to the credit agencies and now they refuse to remove it. Unfortunately, I do not have proof of the check or date of occurrence as it was 3-4 years. My bank just does not allow me to go that far back. 

As I recall, I made a monthly payment to XXXX XXXX/XXXX  XXXX and mailed the check to the address found at the back of the statement. For some strange reason they could not locate my check. They later identified that it was received by another department. When the payment was finally transferred to the correct department, it was processed into the system as being received that day. Even though it was paid and recieved prior to the due date. 

This payment has lowered my credit score significantly and hurt my chance of obtaining school loans. I tried disputing the incorrect information with the crediting reporting agency. However, XXXX XXXX keeps declining, despite the fact that it was their fault the payment was late payment. Also, the company did not take into consideration my excellent payment history with them. They rather see good customers like me, credit, take a major hit. This is one of the reasons so many people are struggling is because credit card companies are quick to tarnish consumers credit, knowing that America runs on 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 2022-02-01
Company: EQUIFAX, INC.
State: MD
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX, TRANSUNION, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2021-07-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Diversified Consultants, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Diversified consultant XXXX is reporting on my credit and I have never received anything from them. I do not owe XXXX anyways because back then we got XXXX & we paid our final bills. I don't even know what this is for and the last time we had sprint was well over 4 years ago so this debt is past the statute of limitations also. 
XXXX should have no charges for me under the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Navient Solutions, LLC.
State: NJ
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 was struggling to make payments with Navient, and getting bombarded with phone calls saying that a payment wasn't made. I would say a payment was made on this day and they would say sorry give a 24-48 hours to show up for us, this would happen a couple times a week. I would go online and see fees and have no idea where they came from, my account would show not current while payments were being made. While I would get these calls telling them a payment was in fact made, I would say this is really hard, I need my payments lowered. I was told by a representative that they didn't want to insult me on how to make my payments. I couldn't take the phone calls, or the struggle, or just the rudeness of the employees anymore so I missed a couple payments. In XXXX, I was told that no one worked hard enough to lower my payments and infect my interest rate could have been lowered. I was distraught because this has been a struggle, I had a baby 10 months ago so I had this added expense as well. I was asking for a contract saying that this is what my payments would be if in fact my interest rate could be lowered and was told they can only do this verbally and also if my debit card was on file. After everything I did not want to have an automatic payment from this company. I have been trying to get an attorney to help me deal with them and I can not find one that is willing to take me on, one in my budget that is or deal with this company. Two attorneys said that they do not deal with Navient. I just want to pay back my loans without being insulted or depriving my daughter of things that she needs and being able to pay my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2019 XXXX XXXX I have no idea what this is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I tried several times to enroll in the public service loan program. I was told by several representatives I needed to be in a certain program. I changed programs and completed the paperwork. I called several times and was told my months are accruing and I will get a report at the end of year. This did not happen. When I was up for renewal, they told me I had to consolidate my loans. I did this in XXXX and filled the paperwork out again. I renewed yearly and was told in XXXX, I only had 13 qualified payments. I have worked with the government since XXXX. I just would like to get the seven year credit of payments and the current year totaling 8. I have not received all allowed payments toward my PSLF because every time there was a problem with my paperwork. Nothing has changed with the Department of Defense as far as I know. My jobs change internally but this should not make that big of a difference. I know my time is longer but I will accept 8 total years, this is madness. I have scanned the copies I have but the other copies were done electronically. Most of my paperwork is in storage due to us XXXX back to the mainland. Fedloan did acknowledge receiving all of the PSLF applications and employee verification. I have read many individuals are having this problem and they are being sued for not being transparent. I have sat on the phone for many hours trying to resolve this yearly. They say the calls are recorded, this would be great to get to see where they are misleading people. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I tried to get a car on XX/XX/XXXX and XX/XX/XXXX from two different delaer ship. They were asking for my original social security card which i had in XXXX. I moved here to XXXX. They told me the reporting agencies can't verify my social and also the date of issue and considered me as a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
l received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$18000.00} XXXX   XXXX {$280.00}

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I reached out to TransUnion and XXXX  to dispute inaccurate information regarding my name, address and accounts on my credit report on XXXX XXXX and asked that they immediately send me the method of verification for these accounts. To this day, I have not received an answer from both TransUnion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a over drawn charge from purchase at XXXX  for {$93.00}. So got charge {$34.00} fee. Payment can thought from XXXX of {$21.00} got charge another {$34.00} so before that day was over put the money in for that fee. I still got charged a fee of {$34.00}. I called told she I payed the amount that was charged and she said still get a fee. Because its not all payed off. I told her that wasnt fair. To charged me just because the whole amount not payed off. She that the way there do there fee. I told them that not right to do customer like that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-16
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:
My credit card account with Bank of America ( BOA ) ending in XXXX was paid in full and noted as a {$0.00} balance as of XX/XX/XXXX. On XX/XX/XXXX, I was charged XXXX. XXXX in interest. I contacted BOA on XX/XX/XXXX in an attempt to understand why this interest was charged to my account. I spoke with several representatives who failed to give me a satisfactory reason for the interest charge on a XXXX balance. I was repeatedly told, " the interest is charged on the back end. '' To gain clarity, I asked to speak to a supervisor. I was transferred to supervisor, XXXX XXXX, who was very rude and unaccommodating. XXXX was blunt and rude and refused to make any adjustment or provide any credit to my account although I've been a loyal customer for several decades. XXXX repeatedly indicated, " interest is charged on the back end. ". I've had previous BOA credit card accounts and after paying the balance in full, I was not charged interest " on the back end '' as I've been told. Please see the attached statement that supports this claim.

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 2020-01-31
Company: Automatic Data Processing, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have funds debited from my paycheck to fund a Flexible Spending Account ( FSA ) account with ADP Total Source. They outsource the FSA administration to XXXX XXXX  a third party vendor. During the XXXX -XXXX year ending XX/XX/XXXX I spent {$2700.00} in covered expenses that I submitted to XXXX XXXX on XX/XX/XXXX for payment. They confirmed receipt but then stated they needed a claim form with the documentation by XX/XX/XXXX the last day to file claims for the prior year. I filed the claim form as requested on XXXX. I have all these facts documented. 

I called multiple times and was told it was being processed yet I never received the funds or a call back from XXXX XXXX. They had system problems the prior year so i was patient until XXXX when I put forward a written demand for payment to both ADP and XXXX XXXX  with all the associated documentation. ADP called back and said they would investigate and respond but they never did. No response was ever received from XXXX. I attempted to contact a specialist in XXXX but there were no points of contact listed and staff there never returned the messages from the call center. So I began investigating and found that XXXX has a documented pattern of complaints like mine. I believe that they may be intentionally holding my money and engaged in improper behavior while purposely holding funds that are not legally theirs to hold. 

Since they refused to respond to repeated requests including a demand letter and still hold my money with no written explanation i believe that both ADP and XXXX XXXX  must be held liable for their inappropriate actions and failure to respond. I have so much documentation that I will choose the most pertinent ones to substantiate this complaint. 

I request that you please hold them accountable for returning my money ( {$2700.00} ) and also investigate them further for a pattern of ongoing behavior that is not acceptable. 
I am glad CFPB is dedicated to consumer issues such as this. Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
YOUR COMPLAINT I already have filed one claim regarding the XXXX XXXX Scam that I was a victim of in XX/XX/XXXX/XX/XX/XXXX where I wired money to people that I thought I knew from a dating website. 
On XX/XX/XXXX I wired funds in amount of {$12000.00} from my personal banking account with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, phone ( XXXX ) XXXX, to Wells Fargo Bank, XXXX XXXX, Account : XXXX in XXXX, Pennsylvania. Little did I know before hand that this wire was ultimately going to XXXX and Wells Fargo stopped it before this lady could send it out to XXXX. Thus Wells Fargo has been holding this {$12000.00} until now waiting for my XXXX XXXX XXXX to send them a Letter of Indemnity to release the funds back to my account. My XXXX XXXX XXXX is refusing to do this due to liability. I have been with this credit union since XX/XX/XXXX and they know who I am and should know that I was a victim in all of this. I am now close to XXXX years of age and can get no one to help me get this money back into my account. Please advise me as to what I can do on my end to get this done. Thank you so much in advance for any help that you can give me. 

Please see the attached correspondence regarding this issue as of XX/XX/XXXX. It will help you understand more the timeline and see that I was instructed to file complaint against Wells Fargo and not the 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 non-monetary relief
Consumer complaint received 2020-12-13
Company: I.C. System, 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: Problem with personal statement of dispute

Complaint:
I paid them back with my taxes 2020

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