BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2018, I rented a car from XXXX XXXX XXXX XXXX at XXXX airport,  Florida. The man that worked with me didn't mention or offer toll road charge prior to my rental. It was my first time being in the state of Florida so I didn't know anything about toll road. Nothing in the paperwork that I signed that state about the toll fee charge. I received the car and drove out and got on the way to where I wanted to go. I saw a XXXX sticker on the inside of the windshield on the driver 's side. I just thought that it was good to use since nothing was mentioned during the paperwork. I drove the car for the total of 3 days. I returned it on XX/XX/2018. At that time, they didn't even mention or ask anything about the toll charge. Until 2-3 weeks later, I received mails stating that I have to pay the toll fees, which I had no clue that I need to pay for. XXXX XXXX XXXX XXXX charged my bank account by the amount they claimed that I owned them. My bank thought it was a fraud because I live in California and the payment was charge outside California, so they void my credit card as fraud, and is was the reason that XXXX XXXX XXXX XXXX is trying to reach me through XXXX XXXX XXXX to collect the money as debt. As a customer, I need to know what fee XXXX XXXX XXXX XXXX will charge me other than the car rental fee. I will not pay anything until I have the answer from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
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 noticed this account was reporting differently between the Credit bureaus and posted inaccurate late payments from 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 2020-07-31
Company: TD BANK US HOLDING COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Missed a payment due to the Nordstrom website not allowing payments. I was unable to connect to a phone and make the call. I was able to access the website via my computer but the website was broken and not allowing me to make a payment. Hoping to dispute these charges and get them removed to have less of an impact on my credit score when it was the company 's fault where I wasn't able to make a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
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:
This compliant is being filed in response to complaint # XXXX XXXX, XXXX, and XXXX. Each other the companies in this complaint has violated the 30-45 day investigation results rule. They responded on XX/XX/2021 that they needed more information such as full name, and full SSN. I provided them with both, redoing my first dispute letter to include my full name and SSN. I have not received an answer to the date of me sending out the new dispute letter. I Feel like I am being played all 3 bureaus are committing fraud against me, and giving me the run around now that i have caught it. If the problem isn't fix this I will have to take legal action, as is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unable to access my account online. Lender non responsive in requesting for paper statements. Their website has been nonfunctional for the last couple of months. 

Given my inability to access my account I have no clue my account info

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wake field and Ass. sent text ab out debt Icalled them XXXX. They checked to see if I had an account with them. I Did not. I gave them personal info. They said no account. I called to make sure all iwas ok. They said I owed {$1100.00} to XXXX XXXX XXXX XXXX XXXX. They said I could dispute it. I asked fir debt validation, they ignored me. I called them back and explaned this was not me. They said they made a mistake.I called back to make sure all was over. They brought up the debt owed again. I said this was not me and they said sorry. I do not trust them in what.they told me, that it is over. Now worried I will get a letter of this debt. Will call layer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2018, I had received an 6 months interest free loan from Comenity Capital Bank for {$740.00}, which has been paid in full. Comenity assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XX/XX/XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by Comenity Capital Bank due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my FSA. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/FSA and Comenity 's customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and Comenity, I was able to get a number to Comenity 's financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from Comenity never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at Comenity and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from Comenity in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank has called my phone nonstop for the last 3 weeks. From XX/XX/2021 to XXXX XXXX. They have called at least 7 times a day from unknown numbers. This is after I told them when to expect their payment. This is not acceptable I can not have my phone ringing 10 times a day for a debt that I made clear when I was going to pay. I also stated many times for them to stop calling from unknown numbers and to leave me alone. They have refused to do so, and have now started calling BEFORE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: CORELOGIC INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Over the past 6-9 months I have worked tirelessly on improving my credit score. Close to a year ago, my score was approximately 540. 99 % of my low score was due to previous health issues and not the best health insurance. Unfortunately I could not keep up with these bills. Today, according the direct websites of XXXX, XXXX, and XXXX, my scores are in the 630 - 650 range. I also have a FICO score of XXXX. Since XXXX I have tried 3 times to refinance my home. Every time I have been told that the credit score I see when I go to these websites is not the same as the information being given to lenders by two specific credit reporting agencies. I do not understand how as a consumer I am supposed to use platforms like XXXX, XXXX, and XXXX to see if my credit score is where it needs to be to have the ability to refinance my home, then only to be told the information that is given to lenders does not match what I see in front of me. Every time I ask to have a lender look at my scores, this is considered a hard inquiry, and of course lowers my credit score. I understand there is a window given lenders, but if I go outside of it, it is considered a new inquiry. I am a single mom and work full time and do not have the time or ability to try and contact new lenders in a short period of time only to be told what I see in front of me, is not what the credit reporting agencies are telling the lenders. Even though, supposedly, they go to the same platforms I do, XXXX, XXXX, and XXXX. The difference in what I see and what I am told the reporting agencies see is over 50 points. To me, this is the difference between being considered for a loan and not. Attached are correspondence between myself and a lender. Image 002 is what I was seeing on my end and image 003 is what the lender was seeing on his end. I accessed the XXXX Website and he accessed the credit reporting agency, both of these actions done within an hour of each other.

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 2021-06-04
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection I.C. Systems 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 2021-03-06
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hi, A little bit ago I signed up for a loan with the tribal online lender named Spotloan.com because I received a pamphlet in the mail from them. I signed up on XX/XX/XXXX for monthly payments to payoff the {$800.00} loan in 3 months. Instead they signed me up for bi-weekly payments of {$140.00} at 490 % interest for a loan repayment total of {$3000.00} starting XX/XX/XXXX and ending XX/XX/XXXX. Just so you know this would mean every payment made would comprise of {$140.00} in interest and the rest to pay off the service. 
I called them to fix this and was told that they would so. Then on XX/XX/XXXX they pulled {$140.00} from my account, but sent it back. My bank account says they returned it. The spotloan online account for me said deleted. After which, they charged me a fee. I then called them and was told to call back later. Then again I was told later they would fix it. My bank account had identity theft in XXXX and had some direct deposit errors because of that so I didn't get to make another payment until XX/XX/XXXX for {$200.00}. The monthly bill still had not been fixed even after emails, and phone calls. Eventually I was told that even though they made the account error, they couldn't fix any of it because the system was locking them out. I tried talking to them about the returned payment, the account set up wrong, the fact that they can't just refuse money and charge me without even trying to help me resolve this. Sense the account was created tell the XX/XX/XXXX they sold my account to true accord for {$1800.00}. I need to have spot loans unlawful business practices brought to the light and have my loan be removed because of unlawful loan practices. 
Thank you,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
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:
On XX/XX/XXXX XXXX Attorney, XXXX and I contacted Equifax and spoke with their Fraud team. They agreed that XXXX XXXX/XXXX provided was fraud in the amount of {$5200.00}. They were supposed to remove. 

They still have not. 

On XX/XX/XXXX I filed a new fraud/dispute # XXXX to remove continued fraud of XXXX XXXX/XXXX customer and 3 new fraud accounts from XXXX XXXX. 

On XX/XX/XXXX they requested a full copy of the last XXXX XXXX Police Identity Theft Police Report. I faxed this to them at XXXX on XX/XX/XXXX at XXXX XXXX. I will attach a fax confirmation of this. 

On XX/XX/XXXX & XX/XX/XXXX I called again to make sure they received a copy of the faxed police report and they said they did not. 

Now they say they have closed confirmation # XXXX before I could submit the police report. They just closed the file without attaching the police report. Thus not taking off the fraud. 

I have faxed in all documents of fraud to verify fraud by the XXXX XXXX, TX and XXXX, TX Police Departments. 

They promise to remove fraud, but they do not. 

These same companies have been removed correctly from my XXXX and XXXX Credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
On Saturday XXXX XXXX at XXXX XXXX a Check was A check was deposited for {$2800.00} a receipt came out and said please contact your financial institution from the ATM machine in XXXX NY without any further explanation from Citizens Bank nor any other employees the check is missing and not credited properly to the account. 


On XXXX XXXX : Then on XX/XX/2021, all of our utilities were do water bill electric bill Wi-Fi bill which is cable roughly $ XXXXWe pay all of are utilities in one package and now they are all late! {$75.00} late payment fee! 

so far, it's XX/XX/2021 and the check is still not in the account we've been getting the runaround several phone calls have you even talked to the manager at the bank at XXXX Citizens Bank which is located just South of XXXX NY absolutely nobody 's done the darn thing! 
My company name is XXXX XXXX XXXX edit My Profile Last logged in on XX/XX/2021 at XXXX XXXX 

Made another Phone call on XXXX XXXX and they said sorry we can not do a thong! 
statements Unavailable Please be aware we are currently experiencing technical difficulties with eStatements. Technology teams are working to recover services as quick as possible. We apologize for any inconvenience this may cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Resurgent reached out to me Frist in XXXX of XXXX about a debt they had purchased from XXXX  XXXX XXXX  in XXXX of XXXX XXXX XXXX had notified me in XXXX of XXXX of the sale of the debt. I reached out to Resurgent via the number provided by XXXX XXXX and got no response in relation to the debt. Resurgent Failed to take over the debt, verify the debt or contact me in any way shape or form for 6 months. Way over the allowed timeline. 

In addition to this up until XXXX of XXXX XXXX  XXXX was still reporting to the credit bureau and Resurgent had not reported that they were the owners of the debt in question. Resurgent just now report the debt to the credit bureau as past due in XXXX of XXXX almost a Full year after their purchase of the debt. 

Resurgent actively denied my rights to dispute the debt within an timely manner and were unresponsive. They did not follow proper procedure and did not report accurately to the credit bureaus. 

Credit one also did not properly protect my information as a client and sold my email to Resurgent. I never gave authorization to XXXX  XXXX to misuse my information and Resurgent never verified how they received this information Attached you will see the credit report from XXXX  showing this account was not reported Till XXXX of XXXX. 

You will also see the email from Resurgent date XX/XX/XXXX and them stating they have owned this account since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: U.S. BANCORP
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have two complaints on the same transaction. ( 1 ) We are being charged for a balance transfer that we never received ; and ( 2 ) the company changed the offer rate even though we initiated the transaction in time and under the terms of the offer. 
We requested a balance transfer from XXXX XXXX XXXX Visa XXXX XXXX on XX/XX/21 in response to an offer of 7.24 % APR. Subsequently, we received a confirmation in the mail dated XX/XX/21 showing that the APR is 12.24 %. In addition, we hadn't even received the funds as expected. We contacted Cardmember Service on XX/XX/21 stating that we still have not received the funds, after confirming with our bank. Cardmember Service said that they initiated an ACH electronic funds transfer. They could not provide an EFT reference number ( I believe they referred to it as ACH Trace Number ). I confirmed our bank details with them, so it was not a mistake on our end. After speaking with several customer service representatives, they informed us that they would research and send us a letter within 15 business days. They also said that they would not offer the 7.24 % APR rate - even though we submitted the request online on XX/XX/21, they did not process the transaction until after XX/XX/21, which is after that rate expired. 
We received the credit card statement on XX/XX/21 showing that they charged our card for the balance transfer on XX/XX/21 at the rate of 12.24 %, yet as of XX/XX/21, we still have not received the funds and they are unresponsive to our requests.

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 2018-02-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/XXXX I contacted Ally Financial about a late payment that was applied to my credit report as a negative mark .Someone said they will check into it .In XX/XX/XXXX there was a tropical storm by the name of Harvey that past through XXXX Texas and destroyed XXXX and surrounding areas, I was a victim of the storm so I contacted Ally to get my payments deferred. They agreed to defer XX/XX/XXXX and XX/XX/XXXX which was a great help for me. I called back on XX/XX/XXXX for more deferment, I was told no problem XXXX XXXX we'll take of it. XX/XX/XXXX came around I got a call saying my payment was is late, thinking they're referring to XX/XX/XXXX 's payment which is due XX/XX/XXXX. they were referring to XX/XX/XXXX payment, I was under the impression that my payments were deferred for XX/XX/XXXX, at that time I was told that XX/XX/XXXX wasn't deferred which made XX/XX/XXXX payment late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief