BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
I had a XX/XX/2018 USAA Visa bill of {$150.00}, which was due on XX/XX/2018. I paid the XXXX bill and mailed it on time, as I have done for 22 years with USAA Visa. They failed to cash the check until XX/XX/2018. I received the next XXXX statement which includes an interest fee of {$30.00}. I disputed this fee by phone on XX/XX/2018 and was told the interest was calculated at the end of every day for my future credit purchases. That is, as I continued to use the credit card, but prior to my having the XXXX statement, I was being charged interest on credit card charges that were not yet due. USAA Visa can not explain why they failed to cash my check in a timely fashion. I believe it is extremely improper for them to bill me for interest on the charges that were not yet due. Despite their slow processing of my check for the XXXX statement, I am willing pay interest on the {$150.00}. But it is dishonest and wrong to bill interest on credit card charges that are not yet due. This practice is not only illicit ; it also fosters fraud because USAA Visa has a financial gain to not process and cash payments in a timely fashion so that they can then drive up interest fees on bills that are not yet due. Last, when I asked USAA Visa for the outside agency to report the problem, they failed to tell me I can report it to the Consumer Protection Financial Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I bought an XXXX XXXX XXXX, Fully Unlocked 5.8 '', 64 GB - Silver Sold by : XXXX   {$1100.00} XX/XX/2018 When the package was delivered, there was no phone in the box, just another box. XXXX denied my claim for a refund because the package was delivered. 

But i paid for a phone, not a cardboard box.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: EQUIFAX, INC.
State: SC
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 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE XXXX XXXX XXXX XXXX  WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A XXXX BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: The Outsource Group, Inc
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has attached a debt that is not valid to credit reporting agencies. I had a payment arrangement with XXXX services for all medical related services and all payments were made directly with XXXX. I did not even know XXXX had placed anything on my credit files until I checked my free annual reports! I called XXXX and they verified that no accounts were ever sent to XXXX. No information was ever received from XXXX as well ( which would be expected since I had nothing to do with them ). On my credit report they have since listed the " debt '' as paid but through a court trustee- I have a BK that will be 10 yrs old in a few months so this is highly illegal to attach any debt they are claiming was from a BK.

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 2018-02-09
Company: STATE FARM BANK, FSB
State: VA
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:
My most recent call to this company was this morning XX/XX/XXXX ; I spoke with a representative by the name of XXXX and then proceeded to speak to a supervisor, XXXX who then transferred me to an account specialist who attempted to collect a debt I did not know I was late with the payment until the card statement arrived on yesterday XX/XX/XXXX. 
I was advised by the account specialist that I would need to make the payment in full of {$100.00} and then they would waive the late fee. I asked them if I could pay half which is past due and they said no. I advised them sometime in either XX/XX/XXXX or XX/XX/XXXX, I  was in fact late because I overlooked the bill. That late was waived and the representative I spoke to then advised me if I made a payment of {$48.00}, I believe, my account would be up to date and I would go back to the minimum of {$25.00} per month. I am incurring late fees every month even though I am making the payment. I advised the next representative in XX/XX/XXXX that the same thing is happening. She advised me she would waive the late fee and I asked her how much I needed to pay to bring current. She said {$25.00} and I advised her I would send {$30.00}. 
Now they are asking me to pay this {$100.00} before they will do anything and have sent my account to collections like I am some sort of criminal. This account was opened in XX/XX/XXXX as was advised by the rep I spoke to today. It has been 15 years since it was opened with a XXXX line of credit and I have maybe been late once. 
I advised him I intend to pay this balance off as the account is closed within the next year so I do not need to be drained of money with all of their fees and interest. 
As you can tell I am very upset and would like something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed items on my credit report with credit bureau , bureau refused to reinvestigate any of the items stating they had previously investigated the items my problem is I asked for proof of investigation which I didnt receive and I contact each creditor to be told they had not been contacted by Experian I want proof of any information Experian has on file in regards to these accounts Accounts in questions are XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   # XXXX XXXX XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX Names on file that I have NEVER used please remove XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I always sign and apply in my full legal name of XXXX XXXX XXXX Inquired on file that are unauthorized and should be removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  / XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-02-09
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo will not honor my divorce decree to remove my name off the property I have not lived in since XX/XX/2015. Wells Fargo has the option to remove my name off the deed, but I would still be responsible for the loan. I am disappointed that they are not honoring legal court divorce decree documents and now my credit is bad since my ex-husband is behind on the mortgage payment. My ex-husband wants me to sign loan modification which I refuse, since I an no longer living at the residents and I do not want to be responsible for 40 year mortgage.

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 2020-11-25
Company: CashMax LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XXXX I spoke with an agent from XXXX XXXX central time. The representative keep repeatedly saying we will send your account out of the office, you havent paid any amount, we will send it to a 3rd party collection agency, we will take action against you, along with other statements which were misleading and threatening in nature. Finally, misrepresenting the amount of money owed. Even though the contract is bull and void due to it being an " Unconscionable '' Contract.

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 2018-03-28
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Today I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ca . ( Re : XXXX XXXX XXXX vs XXXX XXXX ) informing me that I owe {$2600.00} to the XXXX XXXX XXXX. When I called they informed me that it concerns a debt owed by me that went delinquent in 2005, 13 years ago. To be honest I don't even recall this debt. Can this company try to collect a debt, real or unreal after so many years? Can they hurt my current credit rating which is excellent? 
I am also wondering about the legality of this company trying to collect a supposed debt that's 13 years old. 
Kindly advise XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX sometime, I received a call from a PRIVATE NUMBER!! I answered and it was Phoenix Financial Service Collections. They said this was a LEAGL Matter! Being very scared and dealing with a husband who has XXXX I freaked out. They told me, They were collecting a debt of {$400.00}. I then said, your taking legal action against me, if I do not pay this and they said, YES! I need to pay or they would see me in court! I demanded a bill for what it was they were trying to cleat as I have NO accounting for owing any medical bills at ALL! I then said, your calling a Cell Phone without express written consent which violated TCPA. At that point he said, he had no clue he was calling a cell phone and hung up on me! I never received a bill or anything! Which is a violation of my rights under the FDCPA! And now there is a charge off on my credit! This needs to be fixed ASAP? Removed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: JPMORGAN CHASE & CO.
State: CA
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:
Someone stole my credit card and made fraudulent atm withdrawls. Because my pin was used and it was the same as my billing address Chase denied the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Dear CFPB, I am writing this letter in regards to one of the transitions via Paypal. I sold a pair of XXXX shoes on XXXX and the seller disputed immediately after she got the shoes, accusing the item not as described. I am asking for a fair investigation I have listed the picture of XXXX selling page. Unfortunately without investigation, Paypal refunded the buyer without returning my shoes. In the appeal case, Paypal said my shoes is unauthithc. The truth is I bought the shoes from XXXX XXXX and I attached the receipt and credit card statement for the transaction. Besides, Paypal locked my account, and now I dont have access to use my money on the account. 

I have been treated unfairly and to an extent been bullied in this case. And I am not the only seller who has been deprived equal rights in defending ourselves. I am speaking out in hope to save thousands of small business owners like me and to strive for a fair and just online business environment. 


Sincerely

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-09
Company: BB&T CORPORATION
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt has been paid in full.

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 2020-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to place credit security freeze with all three credit reporting agencies online. XXXX and XXXX went successfully without any hiccups. Both companies websites were straight forward and went without a hitch. Experian, on the other hand, has been a nightmare. They try to upsell you at every turn and the option to place a freeze is obscured. Eventually, did find the link to place a freeze. After inputting all the required information, just as I had done with the other two agencies, the system stated that I could not do so online and that I would have to mail in the request via mail. The problem is they want sensitive information in the mail and do not feel comfortable doing so. Also when I called, it states that I have a freeze currently, but the website states differently. Can not believe how shady their operation is.

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 2018-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX, I purchased a new vehicle and financed a small portion of the amount. I received an introductory letter from the company which indicated I could set up auto payments, which I immediately did through the loan company 's website.

In early XX/XX/XXXXI received a statement from them indicating I missed my payment and there was a late fee charged. On XX/XX/XXXX I called up the company to straighten this out. Their representative looked up my account and said I was not in their system for auto pay. I then made my payment on the phone, including the late fee, which I asked to have removed and they refused to do. I then had this person assist me in setting up the auto pay. Once it was all set up, this individual put me on hold and checked the system to make sure I was set up in the auto pay program. They came back on the phone and informed me everything was set up. On XX/XX/XXXX, I called again and asked the person who answered to make sure I was set up in auto pay. They put me on hold to check. When they came back on, they informed me I was not set up with their autopay system. This sounds like a scam to make more money by charging late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-30
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  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 2020-08-28
Company: HYUNDAI CAPITAL AMERICA
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 leased a XXXX XXXX XXXX from Kia Finance. It was a three year lease due to be paid off on XX/XX/XXXX. 
I bought the car at the XXXX XXXX on XX/XX/XXXX. XXXX  XXXX gave me the loan. On XX/XX/XXXX, Kia was paid {$17.00}, XXXX and my lease was paid in full. On my most current credit report, the account shows closed instead of paid and my credit score went DOWN 11 points! I called Kia Finance and they said if you buy the car from them, they show paid but if you pay your lease in full, they show closed. I tried to buy the car from Kia but they never answered my emails. This can not be fair on a credit report. The report said you should keep your older accounts open-well, not if it's paid in full! Please help-this is totally not right to penalize a consumer for paying their bill! Thank you!

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 2020-08-28
Company: Experian Information Solutions Inc.
State: NY
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:
Spoke to XXXX XXXX over 10 times since XX/XX/XXXX. They said they were going to remove this negative information of my credit report because it was clearly not my fault. XXXX   canceled my Auto payment and my manual payment because there was a lapse on their system when you extend a lease. I did my part on ensuring my payment was made however do to a lapse on their online system my payments were canceled. I was reported late 30 days for the month of XXXX although I clearly made payments and received confirmations for those payments. They gave me multiple reference numbers however all they do is give me the run around. They are causing me extreme hardship because of the negative impact on my credit report causing me to not be able to get a mortgage. One of  their reference number I received from XXXX is XXXX. My auto payment was canceled XX/XX/XXXX and my manual payment was canceled was canceled XX/XX/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 2019-11-14
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Never received certified letter of intent to repossess, documentation notifying me where the car would be auctioned, how much the car was sold for, after auctioned, of any other information. Company is also reporting inaccurate information about account on my credit reports, which is a violation of the FCRA. Equifax is reporting that account was paid on time XXXX & XXXX, the account was opened XX/XX/2018, and that its an installment loan. Experian is reporting that the account was paid on time in XXXX only, the account was opened XX/XX/2018, and that its an auto loan. Certified letter was sent asking for validation and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: CITIBANK, N.A.
State: NY
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:
We have a Citi thank you XXXX Master Card. We do not receive paper statements and use the Citi Mobile app to access account information. Up until recently, the app worked fine. We were able to view account activity and always paid in full, on time. 

In XX/XX/2021, I needed to call Citi to request a fee waiver. We incurred a late fee because the app was giving a consistent error message, stating Having trouble signing in. Please try again. We were not able to access our account and did not know it was overdue. Citi approved the waiver in the amount of {$13.00}, and we paid the remainder of the balance due. 

The same issue occurred in XXXX and we were assessed a late fee and interest totaling {$29.00}. I immediately called Citi, paid the full balance of our purchase and asked for the late fee to be waived because of the same difficulty with the app. I was told that they would not waive the late fee because it was already waived once for us this year. 

We are requesting that Citi waive the {$29.00}. Once our account has a zero balance, we want it closed. 

We feel that Citi has barriers to access our personal account information. Please note that the wording of the error message on the app stated Having trouble signing in. Please try again. It did not state that my username or password was incorrect. After receiving the error message multiple times we attempted to resolve it using the Having Trouble Signing On tool in the app. We provided all the necessary information only to get a message stating Unable to Verify. We should not be required to expend a significant amount of time to obtain our account information, only to be assessed an exorbitantly high fee if we are unable to.

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