BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
RE : Sterling National Bank. commercial LOAN # XXXX I have meet with bank managing director XXXX XXXX back on XXXX I am trying for lender to provide me mortgage bills for years XXXX & XXXX ( 1098 IRS forms ) that are obligated to provide every end of year. 
Sterling bank has failed to do so after many attempts and I even meet with them and they have been charging me now for past 11 months higher interest and higher Tax escrow that what my actual property taxes are, I have emailed them many times copy of my property tax bills showing lower taxes and all what they need BUT yet they still dont want to give me what is owed to me/client. 
I want Sterling National Bank to be nothing more than fair and provide what a loan service is obligated to do to their clients. 
I have proof emails ( over 50 emails ) since XX/XX/XXXX that what I asked and pretty much nothing has been given to me and their lack of communications and unprofessional people with NO answers its very frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have tried numerous times to discuss the pre-payment penalty with the company. I am close to losing my job and have to sell my house. There is a huge pre-payment penalty that is up in 5 months and I wanted to see if we could negotiate this. Not only that, when an inquiry into the payoff amount was made, an absurd amount was given way over the pre-payment amount. When I tried to discuss this with the company, they charged me {$25.00} for having to look into it. They now refuse to call me back to discuss it.

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 2018-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/XXXX, I requested a balance transfer on my Capital One Venture One credit card account. Before doing so, I confirmed with an associate via Capital One chat that the interest rate would be 0 % specifically on the balance transfer for the 12 month promotional period. On XX/XX/XXXX my account was charged {$110.00} in interest charges. After speaking with multiple Capital One representatives, I am being told the promotion was only for purchases and they are refusing to provide a transcript of the chat. Either the promotion changed or this information was miscommunicated and Capital One will not fix the issue. I feel this practice was deceptive and predatory resulting in a high interest rate that I can not afford on the transferred balance. I have previously written in to the general correspondence XXXX XXXX with no response to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-07
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: Credit inquiries on your report that you don't recognize

Complaint:
The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS..

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 2021-02-28
Company: Synovus Bank
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: Card was charged for something you did not purchase with the card

Complaint:
I was unable to resolve disputes for 5 unauthorized billing errors. So, I closed my First Progress secured credit card account. My First Progress XX/XX/2021 Statement proves the account closure date without the complete refund of 5 unauthorized charges on it, which total {$120.00}. I am due a full refund of {$120.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Yes my complaint is with synchrony home I purchase some furniture last year in XXXX for {$5000.00} not knowing that synchrony was the financial company so I received a statement from them the next month to start making payment an I have been faithfully making before the day an I pay way more than the minimum due and its almost been a year an my balance is {$4200.00} an every month I pay almost XXXX XXXX dollars an I call them an the clerk said that the interests rate is 29 % an {$110.00} goes towards the interest that makes only {$60.00} that goes toward my payment this has me where I have to may two payment a month an right I dont have my whole household just got over the XXXX XXXX  When I spoke to someone there about it she said that the interests rate is 29 % an we cant change it I responded back an ask if the interests rate are going down why isnt it here she said that we dont lower the interests rate I responded back and ask why were in a pandemic cant the company lower the interest rate this is so wrong this is how people can never pay off thing because all of their payment is going toward interest, how can I get the company to lower there interest rate after a year all I paid toward this bill is {$700.00} an over {$1000.00} dollar has gone to interest an they can just go up on the interest rate at any given time this is so not right to consumers if this was explained to me when I was purchasing it I would have never brought it, the salesman told me my payments would be only {$75.00} a month an when I got the first bill it was {$150.00} and I paid almost XXXX a month what can be done

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access Trans Union or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX XXXXXXXX ( XX/XX/XXXX ) o 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 2017-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
XXXX/XXXX/2017 Kohl's- {$560.00} 30 days passed due XXXX/XXXX/2017 Kohl's- {$0.00} 30 days passed due I spoke with Kohl 's about this issue, telling them my bank recently changed my debit card to a card with a chip and a new number. So the automated payment would not go through on my old card. I have never received an email, letter, or a phone call regarding this matter. I have never missed a payment prior to this with Kohl 's or any other company in the last 13 years. I 'm in the middle of buying a house and it dropped my credit score XXXX points for a {$52.00} minimum payment. I have paid the card off in full and I am trying to get them to delete this completely unecessary delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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:
On XX/XX/XXXX I booked to go on a cruise through an agent, XXXX, with XXXX XXXX XXXX for {$4300.00}. When the XX/XX/XXXXstatement was received I paid the statement balance of {$4800.00} on XX/XX/XXXX, which of included the {$4300.00}. Since then I have had an ongoing struggle to explain to Chase, the card issuer, what happened next both in many telephone calls and in seven letters to date. Chase is charging the account interest and fees. I insist that my account was paid on XX/XX/XXXX in full. I have always in my entire life paid my credit card in full every month. I have also told Chase to close my account and I have destroyed the cards. I have not used the card since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I've been banking with Citizens Bank since I was XXXX, and until recently, they were a great bank. The employees at the XXXX  branch were always helpful and exuded amazing customer service. The Saturday before XXXX XXXX XXXX, I received a text message from what I thought was Citizens Bank alerting me that someone had to use my debit card. I responded NO to the text and then received a call from what I thought was Citizens Bank ( they had spoofed the number ). They assured me I would be receiving a new debit card, and they would waive the fee for expediting the card to me. I did not give them any information over the phone, but they were " testing '' a new fraud protection program to ensure my account was secured. They sent text messages to my phone through a testing account called dispute transactions. A few days later, I saw four separate XXXX transfers for {$500.00}. For the record, I don't use XXXX ; I only use XXXX. Apparently, Citizens Bank did not think four separate transactions for {$500.00} were suspicious behavior and did not contact me when the transactions went through. Upon seeing this myself, I filed a fraudulent claim. I was updated by a Citizens Bank representative that it's going to be incredibly difficult to get my money back and that I should contact the Attorney General 's office. 

Not only was this {$2000.00} for rent and utilities, but also for wedding and school expenses. My fiance and I are also saving up for a house and considered financing with Citizens. Every person I've spoken to from the Citizens Bank call center has been incredibly rude, callous, and condescending when I was the victim of fraud. What's even more disconcerting is that I found an XXXX XXXX article about XXXX and consumer scams XXXX https : XXXX ). Still, yet Citizens has left me feeling like nothing can be done to recuperate money I worked incredibly hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Experian Information Solutions Inc.
State: AZ
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:
My XXXX  XXXX Visa credit card account # XXXX is lost/stolen and all the charges/transactions on the account is fraudulent, unauthorized, not my charges and dont belong to me. This lost/stolen credit card account appears on my XXXX XXXX, Experian and XXXX credit 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: Direct Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company uses scare tactics, they threaten, slander and intimidation. They try using lingo that doesnt make sense, but when you ask for clarification it still makes no sense such as pull your file. They raise their voices at you even when you ask them to remain calm. I have talked to them twice. Today XX/XX/2019 and XX/XX/2019. I asked multiple times for documentation of my debt to be mailed to be only to be told it was a smoke screen. I have the right have documentation to what they are asking me to pay. The rep I spoke to was extremely unpleasant and unprofessional, I understand your job is to get money but you should never use scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
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 filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. Equifax, XXXX, and XXXX all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from Equifax, XXXX, or XXXX  during the entire investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had {$840.00} stolen from my Bank of America EDD card. After filing a claim my account was frozen and I am unable to activate the replacement. I had reached out multiple times, verified identify, had a freeze from filed yet no one seems to have any answers. I am even being denied by Bank of America to talk to the claim department even though I have a claim number.

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 2020-07-08
Company: EQUIFAX, 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:
I leased a XXXX XXXX XXXX XXXX at XXXX in XXXX New Jersey on XX/XX/2016. I signed a lease contract with XXXX XXXX for a thirty-nine month term. The auto lease contract was incorrectly stated on my credit report as a three month lease and the lien holder information was incorrect as well. I submitted a copy of my auto lease contract to XXXX, XXXX  and Equifax ; with no resolution. 
I am attaching a copy of my auto lease that I signed with XXXX XXXX along with a copy of my credit report. The information furnished on my credit report does not match the payment terms indicated on the signed lease contract. Please remove the incorrect information on my credit report. The account is in a charge-off status due to clerical errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Capio Partners LLC has submitted a debt to all major credit bureaus in a amount {$850.00}. The same debt amount & account provided by XXXX XXXX XXXX showed on my credit already. I do not owe this debt or have business with these companies. I have made numerous attempts to have this falsified information removed. XXXX XXXX XXXX has not provided the date of service, who provided & what service was done, doctors name under the FCRA. Without this information being provided, its a 609 fair credit report act violation. Both accounts needs to be removed from my credit report immediately. Also, this falls under double jeopardy law. I have provided an image with debt being claimed by both companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28
Company: EOS Holdings, Inc.
State: NY
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:
This account was paid in full in XX/XX/XXXX, proof provided by a paid in full letter dated XX/XX/XXXX. A new account has been opened as of XX/XX/XXXX, after verification of the account being paid in full. The account was paid again in XX/XX/XXXX, after the company refused to acknowledge the account had been paid since XX/XX/XXXX. I was put back into collections without prior notice 2 weeks after opening the new account. Now the company is still reporting that I owe the balance that was paid in XX/XX/XXXX. This account needs to be reported as paid in full or it must be removed from my reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2017 I informed Equifax Credit Bureau about an account on my credit report thats was the result of identity theft. I sent in all supporting documents to all 3 Credit Bureaus, yet Equifax has still did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: EQUIFAX, INC.
State: TX
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 contacted Equifax on XX/XX/XXXX to inquire on why they hadnt updated my credit scores since XX/XX/XXXX for 2 of my credit cards and XX/XX/XXXX on the other 2 of my credit cards only to be told that their system was down. I contacted them again on XX/XX/XXXX and informed them of the above issue, only to be told that the 3 credit card companies for my 4 credit cards had not updated the balances. ( I advised the agent that this is not an issue with the XXXX XXXX company and that I believed the issue was with Equifax. The agent that entered the dispute was XXXX id number XXXX the dispute confirmation number XXXX. She advised that it could take up to 30 days. She asked for all 4 of my credit card balances which I provided. Then I get a credit alert on that shows that the update had been made on XX/XX/XXXX but ALL of the balances are the exact same from what was reported back in XX/XX/XXXX and XX/XX/XXXX. I am in the process of purchasing a home and the Equifax credit score is the lowest because they haven't reported in 5 months please provide some assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: JPMORGAN CHASE & CO.
State: IL
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:
My credit card application was denied because of the bancruptcy. I filed bancruptcy because of the loss of my husnband and financial struggles while raising twin daughters. That was 7 years ago, I have reastablished a good credit and havent missed a payment in 7 years. I am going to payoff my 30 year mortgage in 10 years, I have a good income. I called Chase credit card and ask them to reconsider and tried to explain circumstances I was in and was still denied after that. I will never bank with them ever again, I have had a worst experience and felt humiliated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.

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 2021-02-28
Company: Professional Debt Mediation, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2021 Professional Debt Mediation, has placed two ( 2 ) accounts on my report and they are duplicates with different amounts and false amounts. Inaccurate information is being reported on my credit report from this co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation