BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-06
Company: EZCORP, INC.
State: CO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Navient Solutions, LLC.
State: WY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been making payments on my federal student loans since XXXX XXXX. Navient continues to utilize my payments towards interest more than principal even though every month I make more than the minimum payments. After contacting Navient several times, the only answer I can seem to get out of everyone is that they do not know how much will be applied toward interest or principal until after I make the payment and they can see it under my account history. After telling me to look on my monthly statements how much is actually going to each part of my loan, I then go back to my monthly statements and that information is nowhere to be found. I ask Navient to help me find this information on my statements and all their representative can tell me is that she said it 'may ' be located there but that does n't mean it has to be. I have also asked several times for some type of spreadsheet or printout so that I can see ahead of time exactly how much of my payments are being allocated toward principal v. interest and have repeatedly get told I can make one myself but they do not provide that. 

Most recent call was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Follow up the complaint - XXXX - closed case Rushmore has responded the CFPB complaint and provided the response letter dated XX/XX/2022 and directly addressed to my name XXXX XXXX XXXX from Customer Correspondence Department and the contact number, is XXXX. 

I found that their payoff loan amount is unreasonable - I have attempted to reach out to Rushroom multiple times for the payoff amount ( the contact phone number - XXXX ). They claimed that I am not the authorized person, they can not disclose any data. However, I have received the letter and addressed it directly to my name, " XXXX XXXX '', they claimed that they don't have any record in their file and could not discuss the loan and then hang up my call. ( the conversation was with XXXX XXXX XXXX. So I have no other option to follow up the loan, this is the only way i can communicate the discreprencae loan amount through CFPB. 

The total payoff amount is {$200000.00}. However, there is included 1 ) Escrow Advance Balance {$15000.00}, ( I am paying the HOA fee, homeowners insurance, property tax - no outstanding due ) 2 ) Late Fee balance {$1100.00}, 3 ) Property Inspection {$15.00} 4 ) Corporate Advance balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022, I received a letter from Chase Bank stating that all my bank accounts, business accounts will be closed within a month of two.There was no explanation as to the reason for this. 

On XX/XX/XXXX, I reached out to Chase via phone to ascertain the reason for this but despite multiple phone calls, no one told me why all of my accounts were being closed. 

On XX/XX/XXXX, I went to the nearby regular Chase bank branch to request the reinstatement of my accounts but they did not give any reasons as to why they could not reinstate my accounts. They also did not share any reasons for the closure despite my multiple pleas for the same. 

I am a small business owner and recently started my UX design freelance work. I am a single mother and I manage a day job along with my UX freelance work to support my family. I have Chase as my primary bank account and credit card account for my personal self and my business. I only do regular daily transactions with my accounts and there have been no cash or large transactions in my accounts ever. I have recently immigrated to the XXXX  and I rely on Chase for their banking services. Closing all of these without a reason is very troubling and harrowing for me. 

Please. I request chase to reinstate my accounts as I have abided by their banking terms and I have done nothing wrong with any of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have not been living in the United States since XX/XX/XXXX and I am currently residing in XXXX XXXX. I was trying to obtain a free credit report from Equifax today ( I have never tried to obtain one before ) and I was unable to get a free report as it prompted me to answer 2 security questions to identify myself but those questions are based on my current credit report ( which I do not have access to ) which indicates that 1 ) I  opened an auto loan/lease back in XX/XX/XXXX and 2 ) opened a personal loan installment account in XX/XX/XXXX which clearly are frauds as I am no longer living in the US so there is no way I have obtained these loans while I am physically in XXXX XXXX. Since I can not access my credit report I have no idea how much money was borrowed and which companies were involved therefore I would like to have an investigation on this and would like to have these corrected thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived at the XXXX apartments from XXXX. In XXXX of XXXX I was advised by XXXX XXXX ( manager ) that the unit I was renting would be renovated and that I would have to move. In an effort to assist with relocation I was told You dont have to pay the rent for XXXX, save your money to move. It is outlined in the notice. 

I moved from the property on XXXX. I did not become aware of the debt being reported to my credit until XXXX. At which time I took the following steps. 

XX/XX/XXXX I sent my initial email to XXXX  and telephone calls ( no response ) XX/XX/XXXX During a follow up call to XXXX  I was told to speak to XXXX XXXX XX/XX/XXXX XXXX XXXX said he would send me a moveout statement ( per my request ) XX/XX/XXXX Followed up on my request for moveout statement. 

XX/XX/XXXX Spoke with XXXX who said he would be contacting XXXX with next steps XX/XX/XXXX XXXX outreached in an attempt to collect the debt. I explained the situation and was told they would contact XXXX  to confirm the amount is error XX/XX/XXXX XXXX said that they had not heard any response from XXXX or any associates from XXXX  I have sent a certified verification of debt with my 60 day notice as well as text messages between XXXX ( manager ) and myself to XXXX and XXXX XXXX. I received a response from XXXX with a copy of my lease and move-out statement. They refuse to acknowledge any of the proof that shows the debt is being reported in error. 

There were numerous attempts to contact XXXX thereafter with no response. Upon reviewing the ledger I am being charged for XXXX Rent : XXXX + late fee XXXX XXXX Rent XXXX + late fee XXXX These charges are wrong and I have exhausted all possible remedies with the collection company and original company 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 2017-10-02
Company: JPMORGAN CHASE & CO.
State: CT
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 was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: TX
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:
From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
i have 2 Late Payment With 2018 XXXX XXXX Account since Covid XXXX. 

no i do not have late payment but i still see a 2 late payment on history also made a late fees. 

and currently account is up to date

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 2019-01-18
Company: DISCOVER BANK
State: VA
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:
I was approved for a Discover Card at the end of XX/XX/2018 with the promo of 14 months at 0 % interest. I just so happened to check my most recent statements and noticed I was charged interest. I was charged {$17.00} in XX/XX/XXXX's statement and {$21.00} in XX/XX/XXXX 's statement. Perplexed, I contacted Discover 's customer service, thinking this was an error. The customer service agent looked into the matter and informed me they did not see the promo on my account. At which point he transferred me to a supervisor. The supervisor, too, looked into the matter and informed me that I was not eligible for the 14 month promo as this was based on credit worthiness. At this point I was shocked, I have never before been approved for a credit card that offered an introductory 0 % interested and then been told, yes I got the card but not the 0 % interested because my credit was not good enough. I found this to be very underhanded and deceitful. At this point I looked at Discovers site and they were still offering the same promotion. I read the fine print and there was nowhere in the online disclosures that stated the 14 month 0 % promo was based on credit worthiness. Obviously, when applying for the card these are the only disclosure you are privy to at that time. It does state in the only disclosures that after the 14 months is over and APR kicks in, that is based on credit worthiness, which is expected. 

After reading the information on the site, I called back and asked to speak to the manager above the supervisors. I was contacted a little less than 24hrs later. At which point she offered to refund the most recent interest charge of {$21.00} and 12 months interest free. I accepted the refund of {$21.00}. However, I would like to have my 14 months interest free. That is what the offer stated, and that I what I am due. I would also like to have the {$17.00} interest refunded as well. My balance is currently at XXXX, I have not had any missed payments, nor have I exceeded my balance. I have been a model card holder since receiving my card. I carried a balance XX/XX/XXXX and XX/XX/XXXX, but have since brought the balance back to XXXX. 

The fact that I was told information that based on their website disclosures was incorrect, is completely unacceptable and deceitful. I am really taken aback and quite frankly feel that XX/XX/XXXX is not a good company to bank or do business with and I wont be recommending to any friends or family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
On or around XX/XX/2022 I mailed a billing error notice to Capital One Services billing dispute department addressed on the back of my billing statement as required, I also mailed a copy to their corporate office and registered agent ( XXXX XXXX XXXX ) in regards to my XXXX credit card accounts/billing statements that I had reason to believe was in error. I requested in accordance with 15 U.S.C 1666 ( b ) ( 2 ) documentary evidence which includes books of account in accordance with 15 U.S.C 44, Capital One must provide to clarify this dispute. The creditor ( capital one ) on XX/XX/2022 took adverse action against me by restricting and closing all three of my credit card accounts ( I only disputed XXXX ) for exercising in good faith my right to inquire and or dispute a billing error to resolve the issue on my account.This is wrong, not fair and humiliating. I had recurring payments set up using my credit card accounts that were denied payment because capital one closed my accounts before sending me a notice so I could properly update payment for these services. Pursuant to 12 CFR 1026.13 ( d ) ( 1 ) ( 2 ) ( 3 ) the consumer has the right not to pay and the creditor may not try to collect, the creditor shall not accelerate, restrict or close the consumer 's account. Capital One has now forfeited any right to collect any amount due to noncompliance pursuant to 15 U.S.Code 1666 ( e ). The creditor ( capital one ) is civilly liable for actual damages to the consumer and criminally liable for knowingly and willfully noncompliance of failure to present required documentary evidence as requested to clarify and resolve the previously addressed billing error pursuant to 15 U.S.Code 1693m and 1693n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2022 they received the debt validation letter XXXX XXXX 2022 he took them well over 30 days to reply They had replied XX/XX/2022 with a letter informing me that they have sent out a deletion request to the credit reporting agencies on the accounts listed below XXXX, XXXX, XXXX, XXXX, XXXX I waited for the account to delete from the Credit reporting agencies it hasnt now I received a letter XX/XX/2022 verify my date with very very personal information that I did not Approve of Violating my hippa rights and quite frankly its embarrassing I didnt want nobody to know where I got seen for but the hospital and I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt collection company XXXX Phone number ( XXXX ) XXXX or XXXX calling me about a debit that is not mine. It is for a company HSBC which has never been on my credit ever. They are just trying to get me to pay for it through their website with out any proof that its mine. When you chat with their virtual person they try and fight with you sayin its your and you need to pay. This is scam to try to get me to pay a debit that is not mine and then run with the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: 21ST MORTGAGE CORP.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have sent a couple of complaints and they appear to get closed as soon as 21ST Mort. answers. 

There are still issues with my account, although instead of me carrying this out forever on XXXX XXXX XXXX I sent an email to their attorney 's office requesting information on a hardship package and or information on what they offer since they state I am a payment behind and I feel that I am not and there is no way for me to make two payments in a month.
They also state the account is not on escrow at the moment, and I was credited for {$35.00} for when they did do the escrow. ( I do n't have escrow account ) but it was done more than 5 payments. 

I had n't heard any response on the XXXX XXXX email so I sent a follow up on XXXX XXXX XXXX and still have n't heard a response. 

Apparently in researching them on line I am not the only person with these issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: AMERICAN EXPRESS COMPANY
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for an Amex Delta skymiles credit card the application was denied and when I see the reason, they used last month credit scores. Their systems says they retrieve all the data on the 18s of  each month. Keeping in mind its the 24 I applied because I paid out a debt and my score went significantly up. I then decide to apply for this card 6 days after they get the information to my disappointment they still used last month credit info. I contacted them and talk to XXXX at AMEX and I explained the situation later he says they don't offer credit improvement service. I felt offended and ask to file a claim/complaint, XXXX refused to do so. Then I decided to file this complaint because that is unacceptable behavior, from insulting me to not accepting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I received money into my PayPal 's XXXX account from my PayPal XXXX account for the services I had used from my business. The amount of {$14000.00} was received in the form of two separate transaction of {$4800.00} and {$9900.00} ( before PayPal fees ). Despite submitting all the supporting documents to PayPal they have limited my access to my funds for well-over 72 hours now. 

This has caused severe loss to my business as some of the bills we have to pay have been delayed on the account of this limitation. Not only some of our bills are going unpaid, but they are accruing penalties and fees for delayed payment. 

Refund of the amount to the sender ( myself ) is not an option because, PayPal refuses to reverse the hefty 3 % fee they charged for this transaction. So I am pretty much stuck. PayPal is literally holding my money to ransom.

Company response to consumer: Closed with monetary relief