BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 
1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 
2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 
3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX  on the XX/XX/XXXX. I spoke with 2 KOHLS  representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 
5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 
7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 
8 ) This is not the first time I have had problems with Autopay as  Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 
9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a  preferred customer at Kohls  10 ) If need documentation, i can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I have n't had a late payment in almost 2 years wanted to get theses removed I have paid off the account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: Santander Consumer USA Holdings Inc.
State: CO
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 paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-20
Company: Moneytree Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I took out a payday loan with " Moneytree '' that, unbeknownst to me, was written to come due 3 days before my payday. I submitted my application online and when I went into the branch location I didn't have my glasses with me so when they had me circle the payment due on a piece of paper I asked " this will come due 2 days after payday my - right? '' the Moneytree employee told me " yes. '' What is the point of taking out a payday loan that is due before payday? I could of bounced a check without Moneytree. I was under the impression I was taking out a payday loan - not getting money fronted to me in a scenario in which I have no chance to repay on time. 

Why do they require an applicant to submit paystubs that clearly show I get paid twice a month ( XXXX and XXXX ) then write a payday loan due on the XXXX? 

Is that legal? I bargain in good faith so I will payoff the loan on XX/XX/XXXX ( payday ) but there are penalties and fees I am being saddled with. 

Again, I took out a " payday '' loan and paid it back on the XXXX payday from taking out the loan. They wrote a loan due before the next payday which is indicative of poor loan underwriting on the part of Moneytree. 

Irrespective of my case I strongly feel government scrutiny is needed because of Moneytree 's suspect business practices. 

Thank you for your time in this matter. 

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 monetary relief
Consumer complaint received 2017-09-23
Company: Experian Information Solutions 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:
I have been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my 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 explanation
Consumer complaint received 2018-08-28
Company: AES/PHEAA
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Student loans are showing up as Delinquent. I am a 100 % XXXX XXXX XXXX veteran and my student loans were discharged in accordance with the law. The credit reporting agencies are still reporting negative and open loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I owned a home in the XXXX area. XXXX XXXX XXXX XXXX XXXX is not doing a great job at all. I encourage you to read all the complaints of Bank of America from consumers. I honestly had the hardest time with the banks, and the banks are whining? I was never reimbursed for a check fraud complaint with the XXXX with BAC. I had lost my job, my car and wanted to short-sale my home. The XXXX answer was there is nothing we can do about it. 
I wanted to short-sale my home sooner but the Management Company of my condo refused to provide the realtor with the keys. I filed a motion to stay the sale. The Bank never called me. I filed several documents that were requested as a home modification. I am working part-time and I filed all my hardship documents. 
My realtors attorney filed the correct paperwork, and the bank lied and said that the documents were not there according to XXXX XXXX at Bank of America when XXXX XXXX stated all I needed was a copy of my license and this was all I needed. In fact, I know the bank lied because an employee of the bank requested that a XXXX form re-completed by XXXX XXXX, which was in part of the attorneys documents. The foreclosure attorney XXXX XXXX who works at XXXX XXXX , XXXX in XXXX would not return my calls, because as a consequence my short sale never happened ( the bank refused ), and put me through XXXX. My condo was placed on the Market for one day and returned to the bank. I wanted answers from the foreclosure attorney XXXX XXXX as to what happened to my property ( only on the market for a day? ), and I get no response when my home was put on the market for one day then taken off the market. I hear on the news that the banks feel that the XXXX is over aggressive. I have a part-time job and underemployed. I was put into foreclosure due to fraud of the Management Company and the Board members. I was forced out of my home with the hopes of getting my relocation expenses reimbursed, and to prevent huge damage to my credit which never happened. 
I filed against the bank a long time ago a complaint with the Federal Reserve, and all I get from BAC is a voice mail from the regulations Department from XXXX XXXX. I always had to call the bank with no return calls. I even escalated this issue to Management XXXX XXXX and she did nothing prior to the Bank making me go through all kinds of steps prior to a short-sale, which was denied. Bank of America lacks transparency and is not honest with consumers by dragging out the time and costs of a consumer trying to short sale a home. More importantly, May be engaged in illegal activity by non-actions. I strongly urge an investigation. I would like to Know what the status is with my home and so do the realtors in 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 2021-12-03
Company: EQUIFAX, INC.
State: GA
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:
I have a lot inquiries on my credit report, I sent I called Equifax about 8 times over the last XXXX months about these inquiries. I sent in my FTC report to them along with my identification as requested. Every time i call and follow up about the inquiries they tell me they don't have any documentation on file for me. I am fed up with the XXXX that they are pulling! They are not intentionally keeping these items on my credit report to continue to make money off of these negative remarks while i'm over here being abused and getting denied for thousands of dollars in credit. I asked for an investigation to be launched to find out what is happening to my documents that I am sending them and they tell me they don't have access to the back office to look for it. What XXXX back office? How the XXXX can someone add these things to my report with no problem but when i call they give me the hardest time about my XXXX. I spoke to XXXX XXXX ID XXXX the department supervisor and he states that there is no other way for them to assist me without a FTC Report on file. He also stated that he can not investigate what happened to my documents and that the FCRA requires the FTC report in order for them to delete the inquiries which is a XXXX XXXX lie. There is no way that they did not receive not XXXX of my XXXX copies of my FTC report! Are they throwing them out? is this a tactic to continue to prey on consumers that work hard to make a living?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I received a collection notice from AFNI COLLECTIONS in regards to doing business with XXXX XXXX XXXX  XXXX in the amount of {$7000.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Innovis
State: CO
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 software from this company which included registering my company name and address. I then downloaded the software. I needed to make a change to my software last year to conform to the CFPB banking guidelines on disclosing my locations to the consumer as required by law. They made the change over the phone. This year I needed to change my address again, and the company told me I had to pay them an additional {$300.00} to update my address and support. I told them I did not want to get support and pay the additional fee. They told me I could not update my account information from the purchase unless I paid NOW for the annual support. They are using this to NOW blackmail people into buying support for the year. I was never told when I purchase this that I would have to pay for software support just to update my address in their system and on my software. I just wanted my software address updated as I did for 3 years at not cost because its just my account address. This was never disclosed and is a violation of XXXX Policies of Bate and Switch. I will also be filing a complaint with BBB and CFPB Banking Violators This should never be allowed to happen to any consumer and policies should be stated upfront if they are now going to hold consumers hostage to collect support money. 

I was my address updated in their system and showing in my software. XXXX XXXX XXXX XXXX, XXXX CO XXXX. 

Thanks addressing this Bate and Switch Complaint! 

XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from ResidentCollect, Inc., in the amount of of {$380.00} in XXXX of XXXX. I sent a money order in the amount of {$380.00} soon after receiving the letter to pay the debt. In XXXX of XXXX I tried to obtain a mortgage loan from XXXX XXXX and got pre-approved but the collection debt is showing on my credit report, and the bank said the loan is not going to be released until the derogatory mark gets removed from my credit report. That same month a requested a copy of the cashed money order from XXXX XXXX and I received the proof that the money order was cashed 30 days later, and I sent it to ResidentCollect. I called them a couple of days later to follow up on the issue, and they said they did n't receive the proof of payment. I have tried several times to work with ResidentCollect to resolve the issue, but it seems like they are unwilling to do it. I 'm frustrated because they have my money and they are damaging my credit. Someone needs to stop this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX I have made a purchase of {$300.00} of XXXX gift cards and {$45.00} of XXXX gift cards from XXXX XXXX XXXX ( XXXX ). 
The XXXX gift cards ( electronic ) do not work as I attempted to use them on variety of items on both XX/XX/XXXX and XX/XX/XXXX. I have brought this issue to XXXX including a case number and the issue was ignored. 
On XX/XX/XXXX I have contacted XXXX XXXX XXXX representative who assured me that the XXXX will result the issue as their position is that it is not XXXX XXXX responsibility but XXXX to honor them. After spending over 30 min on hold and despite informing the CSR that XXXX XXXX refuses to address the issue stating that the cards are valid, I was again transferred to XXXX XXXX on premise that they are responsible for the issues regarding and not XXXX. XXXX again refused to address the issue stating that their record show no Gift cards were actually sold on the transaction in regards of the original XXXX XXXX purchase. 
It is apparent that the XXXX XXXX feels that it has no responsibility to address the issue while XXXX states that it is seller 's responsibility, not XXXX 's to address them. 
I think both XXXX and XXXX XXXX is not willing to address the issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: MO
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 contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander.

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 2021-12-03
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/2021 I closed my checking and savings accounts with PNC Bank. I authorized a check in the amount of my full remaining balance to be mailed to my home, as well as all sufficient paperwork that explicity states that the accounts are closed. I received all of that, the check was in the correct amount, and I also received a final statement that shows a balance of {$0.00}. 

On XX/XX/2021, I received an email from PNC Bank with a warning my checking account was overdrawn. I was able to log in to my online banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I saw that PNC had charged me a month service fee of {$13.00}, which is issued for not having the minimum balance in the checking account ( {$500.00} ). Of course I wouldn't have a minimum balance because the account was closed on XX/XX/2021. However, the online statement showed a balance of {$0.00} on XX/XX/2021 -- XXXX days after my account was closed, with the memo " Interest payment ''. 

I called a local PNC branch and the banker could not provide an explanation as to why there was XXXX XXXX put into my account, and why it was still opened. He issued me a check for the XXXX and ensured that the account was now closed. I asked for him to send a paper document to my home that would confirm the new closure of my account, but he said that they don't have anything. 

I think it needs to be investigated as to why my account was reopened with XXXX XXXX in order for PNC to charge fees. There should have not been an interest payment because the account was closed and there was no money in it for them to even issue interest in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-23
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate

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