BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made the payment for my Chase account on XXXX of the post minimum plus additional monies, for a total of {$150.00}. On XX/XX/XXXX I noticed that the accounted indicated I missed the payment and had been charged a late fee and I then reached out to Chase. I received a response on XX/XX/XXXX that they do see the payment, that the late fee would be reversed, and that the payment will show on the account. 

I checked my Chase account on XXXX and saw that the late fee was removed but now I had a past-due payment. I called on XXXX and was told that the payment was made " too early '' and was posted to the previous billing cycle even though I had a minimum payment amount for the billing cycle in question. I was told there was nothing that could be done and that I was just asking them to " lower my balance ''. I made a payment on XXXX to bring my account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: Turning Point Solutions LLC
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I keep getting calls from ADVANCE CAPITAL SOLUTIONS regarding a debt NOT IN MY NAME. They keep mentioning in voicemail the message is for XXXX. I dont know anyone by that name! They have been calling me for months now. Dozens of times per day. I have spoken with someone there numerous times and told them they have the wrong number. Stop calling. I have since had to pay for a call blocking service on my phone. Now they are getting around that! Today alone, Ive received 26 calls between a 6-hour timespan, sometimes 2 or 3 within a minute or less. They are spoofing other peoples phone numbers, because Ive called a few back which appeared to be local, and they were elderly people I didnt know, who hadnt been on the phone. The calls appear to come from a different number, and when they leave a voicemail, its instead XXXX, extension XXXX. Please issue a CEASE AND DESIST to them IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CITIBANK, N.A.
State: NC
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:
im not 180 days late and citibank charged my account off im seeking {$1000.00} im damages for violation of the F.A.C.R.A clear violation and im seeking damages in the amount of {$1000.00}. i should of only been 120 days late.

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 2018-03-22
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. 

Kind regards 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 2018-03-23
Company: DISCOVER BANK
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX, I received a call from Discover Student Loans and they inform me that my loan was about to be charge - off due to a lack of payments.Because I could not afford to pay the minimum amount ( {$700.00} per month ) required Discover Student Loans and I was only paying {$100.00} - {$200.00} per month due to my income, my co-signer and I were informed that I needed to make a payment of {$400.00} in order to avoid the loan to be charge - off.

A payment of {$400.00} made in XX/XX/XXXX as requested and but few months later I was informed that my loan was charge-off. In addition, I called Discover Student Loans and I informed them that I was planning to go back to school on fall XX/XX/XXXX and I was told that as long as I am enrolled in school, I did not need to make a payment. And I would have to make payments again after the end of the semester. I attended fall XX/XX/XXXXsemester at XXXX XXXX XXXX XXXX.

After the fall semester ended, I went to Discover Student Loans in XX/XX/XXXX to make a payment and the blocked my account and I could not make any payment. Few days later, I started receiving multiple calls from Discover Student Loans and they informed me that my loan charge - off. Thus, I explained that I made a payment in XX/XX/XXXX and I was in school on Fall XX/XX/XXXX and my student loan should never have charge - off.

They promised to investigate and let me know that outcome, but they never call or email the results of the investigation. Few days later I ran my credit report and Discover Student Loans incorrectly reported my loans as delinquency.Thus, I called Discover Student Loans and I reported to them that I was receiving conflicting information from Discover Students Loans and it was creating problems on my side. I requested a written clarification and they informed me that the would send me via email, but I never received anything. Then, I received a call again from Discover Student Loans threatening me with a court action. According to them, Discover Student Loans was preparing to send my file a lawyer and they would not have control of the case if it goes to a court. And they requested me to make payment equivalent to {$700.00} per month which I can not afford. I requested a lower payment and they put me on hold for 20 + and they informed me that they could not do anything but the were going to transfer to a different department to negotiate a lower monthly payment. But I was told that the " department was close '' in the middle of the day.

I account was unblocked after I complained and I was able to make a payment of {$200.00} onXX/XX/XXXX.I was not able to make payment in XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXXbecause they was blocked.

I received the loan in XX/XX/XXXX-XX/XX/XXXX to cover my schools expenses at XXXX XXXX University. The total was {$40000.00} and today the balance is {$74000.00} due to extremely high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I filed a CFPB complaint yesterday and an earlier complaint both alleging that BBVA had breached its Lender Agreement with the SBA in how it mishandled the processing of PPP loans under the Cares Act. Specifically, BBVA representatives acknowledged to me that the bank did not have the manpower to process the volume of applications but was not hiring new employees and that I had been told in one recorded phone call that I possess a copy of that BBVA was " not actually '' processing applications in the order they were received, which they outwardly claim they do. 

Miraculously, after sending this complaint to the legal department I 1. had my loan approved the very next day after last being told by a XXXX XXXX the day before that she wasn't even sure the loan had documents yet. and 2. was told that my account was being closed. The flimsy excuse BBVA used for closing my account was " harassment, '' a term which California law defines as : " Unlawful violence, like assault or battery or stalking, OR. A credible threat of violence, AND. The violence or threats seriously scare, annoy, or harass someone and there is no valid reason for it. '' The reason for my repeated phone calls, emails, and voicemails could not have been more valid. The health of my business was one the line, and other people I work with own nearly identical S-corps whose PPP loans were funded within a week or two of their application. My  application has been outstanding for nearly one month, and XXXX XXXX and XXXX XXXX told me repeatedly that they did not have any timeline whatsoever for my loan application. Of course I called repeatedly. 

The decision to suddenly close my account during this pandemic will cost my business thousands. I will need to pay an outside accountant to correspond with BBVA regarding the forgiveness of the loan, and I will need to endanger my health to go to a competing bank and open an account.

The closure of this account is clearly retaliatory and is BBVA trying to pull focus from the true crime here -- their gross negligence in how they've processed the PPP loans of hardworking small businesses. Despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: ASSOCIATED BANC-CORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a XXXX Associated Access Checking with Associated Bank. I Direct Deposited more than {$500.00} within 90 days of account opening and have held more than {$10000.00} for XXXX days after account opening. Having met those requirements, I expected a {$500.00} bonus by the end of XX/XX/XXXX. 

I had messaged the bank through their internal customer message system and was notified that I had previously been a customer with their bank. While this was true, nothing in the signup language indicates that the promotion was closed to former account holders. The only language on the signup page was : " Offer not available for customers who already have or have had an Associated Bank checking account within the last six months. '' My previously held account was closed XX/XX/XXXX ; more than 6 months before opening a new account. 

Given that terms were met on my end, but not on the bank 's end ; I am requesting {$500.00} immediately per the language in the terms when I signed up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-10
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We will try to contact the company as well, but in dealing with credit company reps we seem to not always have good outcome, so hoping your agency will reach out as well please. This is for Lowes Store Credit Card. We went into the store and asked to make the final payoff on our card. We were told it was {$360.00} which we paid. This amount went toward a balance of {$320.00} plus what the store rep showed as payoff. 

We have since received another bill for {$1.00} which appears on the statement difference toward fees of {$39.00} and interest of {$1.00}. 

In dealing with these last interest bills on another store credit card we learned there is no way to ever provide the amount due without continuing to incur more interest. We ask that you please communicate with us asking the Lowes credit card provider to waive this last interest amount of {$1.00}. Our request is based on the fact we asked the store to please provide us on the day we gave them a check for " account balance payoff '', which we submitted as asked of us.

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 2018-04-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
For months, I've been in dispute with Equifax about incorrect reporting of information on my credit report. Opened a complaint. They recently sent me an updated " Results of Reinvestigation '' into a prior complaint against the company. However, they have " Closed '' the wrong account. They closed XXXX XXXX, account # XXXX, an account that I have had open since 1988. That is also a XXXX XXXX account. However, the account in question is my XXXX XXXX account, # XXXX, a CREDIT CARD. There should have been no action on my store card with XXXX XXXX. It's been fine for over 30 years! These people are the most incompetent bunch of folks I have ever encountered! Seriously! I hope they can get it right once and for all! I think this all points goes back to XXXX XXXX, and the original complaint I lodged against them because they instructed the 3 credit reporting companies to " DELETE '' all information about my credit card account with them because they were upset that I transferred my balances from their exorbitant card to one that was much more reasonable, with an extremely lower APR. That's what all of this mess is about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-09
Company: U.S. BANCORP
State: NY
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 balance transfer

Complaint:
I requested a balance transfer from my US Bank credit card to XXXX on XX/XX/20. It still has not been processed, and I am incurring fees/penalties & interest as a result. I called US Bank today to inquire how these are processed how long it takes. They said about 2 weeks because they sent a check via USPS instead of transferring funds electronically. I asked if  they do bal xfers via XXXX to XXXX, a Manager named XXXX confirmed US BANK does EFT xfers of thousands & thousands of $ everyday. When I expressed it was odd that my balance xfer was mysteriously declined despite US Bank having the proper channels to process electronic payments, she sarcastically replied " I don't have a way of knowing if it's odd or not '', instead of taking a professional approach.

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 2017-12-02
Company: Navient Solutions, LLC.
State: FL
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:
XXXX I went to XXXX university in XXXX XXXX at the time I was XXXX years old. I wanted to do something with my life so I followed a friend to this school and the first day of class was that evening. But I had to pass a entrance exam and fill out financial aid papers. My advisor at the school was very nice all I thought I was doing was filling out financial aid papers. I didnt find out until after I graduated that the school had taken out a XXXX Dollar student loan. I wasnt aware and Im willing to take a lie dector test whatever it takes to prove my case. I cant afford to repay this loan and havent even been able to work in the Field that I went to school for. I need help if you see they just rushed everything so that I could start school the same day I filled out those papers. XXXX knows I never knew this was a loan and I never would have sign up for a XXXX Dollar loan please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting the account that I had with them inaccurately. XXXX is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.

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 2017-12-04
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wells Fargo home Mortgage loan # XXXX this loan was forged by Wells Fargo Mortgage Notary/Notary agent I have enclosed a document this is not my signature on the all California ALL purpose Certificate of Acknowledgement I did not sign nor agree to this nor did I give any one permission or power of attorney to act on my behalf I 'm in the process of taken legal issues on forgery by the bank am
d other issues

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 2020-05-06
Company: EQUIFAX, INC.
State: MO
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 paid a collection account with XXXX on XX/XX/XXXX. XXXX reported to all credit reporting agencies on XX/XX/XXXX that the account was paid in full. 
I opened a dispute with Equifax on XX/XX/XXXX of XXXX disputing the account balance. I disputed through their online dispute process and uploaded a copy of the letter from XXXX stating the balance was paid in full. Equifax closed the dispute as consumer disputes, but balance still owed. I contacted Equifax on XX/XX/XXXX to inquire about the decision. Even though XXXX reported to them and I submitted the paid in full letter to them through their own online dispute portal, they still are reporting the account incorrectly and told me I have to open a new dispute, send in a copy of the letter along with a copy of my driver 's license and wait another 30-45 days for the dispute to be investigated. This is affecting my credit score and preventing me from obtaining a mortgage for a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
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:
I recently submitted a request for investigation of several accounts which Experian refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 


If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

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 2020-05-06
Company: JPMORGAN CHASE & CO.
State: DC
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:
i purchased a air ticket with XXXX XXXX  through the Chase travel service. the flight was cancelled and Chase refused to refund me. I contacted the airline and they agreed to refund and indicated that the refund had been authorized. Inexplicably, Chase continues to refuse issuing the refund.

Company response to consumer: Closed with explanation