BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: AMERICAN EXPRESS COMPANY
State: VT
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:
See complaint attached. AMEX told me that I had to call and speak to The XXXX in order to have my APR/Interest rate lowered. I endured having to speak to that thing in mid-XXXX to late XXXX, after numerous attempts trying to get ahold of her for or her back up via phone for over a week. When we finally spoke on the phone, she talked over me and wouldn't let me get a word in. However, she did say she would apply the lower APR/interest rate to my account. She did not apply the lower interest rate to my account - which she claimed she would if I called and wasted my life talking to her via phone. This is contrary to what AMEX represented in their answer to my previous CFPB complaint. 
When I checked my account today, my APR/Interest rate was still over 24 %, and not the lower APR of 14 % I was promised if I called. 

I'm not calling again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had been making payments using Ally Autos auto pay system for about a year and a half. XX/XX/2020 it stopped working. I spoke to them and was told that the issue was resolved. XXXX my payment didnt deduct from my account and by time I realized it I was charged a late fee. I contacted them again and was told that my Auto Pay account was fixed and would start back up in XXXX. I was told that the late fees would be waved for XXXX. I am charged {$4.00} every time I make a payment by phone, so I am being penalized for their online service not working properly. XX/XX/2020 I checked my account and the payment for XXXX wasnt taken out and I owed {$46.00} in later fees. I asked how did I owe that much and was told it was for XXXX and XXXX. I have reached out every day from XX/XX/XXXX until XX/XX/2020 about these fees and have been told that they will be waved by the end of that day. To this date they still have not been waved. I have been promised that someone from their customer service department would be reaching out to me in one to two business days and it has now been almost 5 business days and no response. I have contacted them through XXXX, XXXX, and Allys own secure email site ; but have received no response regarding a solution to my issues. Attached is the message I receive every time I try to make an online payment.

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 2020-03-23
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
ftc violations XXXX XXXX XXXX XXXX XXXX reporting inaccurate information XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX All FCRA violations fair and accurate reporting ITS called fair and accurate reporting cost consumer millions Higher RATES LIFE STRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XX/XX/XXXX i received a notification from Experian notifying me that a new account has been added to my credit file, upon me checking my credit report i learned that the new account was from XXXX, which is a company i dont have any knowledge of, Additionally my credit file indicated this account was opened in XXXX of XXXX HOWEVER i have a Fraud alert on my credit file where any new accounts must be verified by me before opening and no one has contacted me to verify that it was me opening the account. 

Please provide me with a copy of any original documentation documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). I would also like to know your method of verification used to verify this account which is required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly DELETE all information which can not be verified

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 2018-11-03
Company: EQUIFAX, 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:
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Specialized Loan Servicing Holdings LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing services our mortgage. We pay a monthly escrow fee to SLS for " taxes and insurance, '' but SLS has failed to pay the taxes. We were required to pay the taxes ourselves, as well as the late fee incurred due to SLS 's failure to pay the taxes. I called to speka to SLS, thinking that it would agree to reimburse me for the costs I incurred. SLS says that is not how its does business -- instead, it will reduce the escrow amount that we would ordinarily pay. I asked to speak directly to the tax department and, once I got there, the tax person promptly dropped my call. <P/>In seeking to resolve this with SLS, I was pressured to not handle the call on speaker phone, and asked to identify anybody who was on the call. ( Nobody was in my office. ) I found this request to be odd. <P/>I am concerned that SLS has no intent on reimbursing me for the several thousand dollars that I was required to pay to the tax authorities. I am also concerned that SLS has a recording about this practice for people who call in, as if this is a routine practice for SLS.

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 2020-04-28
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2019 I went to a XXXX XXXX ATM to withdraws {$20.00}, and was charged {$3.00}, these ATMs are free and do not charge {$3.00} fees to split with banks or credit union users, this made my account less than {$3.00} in the negative. PNC has charged overdraft fees of {$72.00} Do fat. Please fix this, add me in any lawsuits formal or informal?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account is supposed to be removed but still on my credit reports.

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 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America offered to open my business account online, I accepted and opened 2 accounts, after rigorous Identity verification all information was confirmed the accounts was opened ( account number XXXX ) and charged my debit card to fund the initial deposit. Then 3 days later without any explanations the bank closed the accounts, I called the customer service and they told me that they are unable to give me any information. Now the online ID are deactivated and the accounts closed without any reason, It seem to be like a discrimination, XXXX act and misleading advertising from Bank of America.

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 2020-06-23
Company: EQUIFAX, INC.
State: NC
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$16000.00} XXXX  XXXX {$8900.00} XXXX XXXX XXXX  XXXX {$1400.00} XXXX XXXX   XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: PA
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:
This account is supposed to be removed but still on my credit reports.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 received notification from transunion that a hard inquiry on my credit report from XXXX XXXX on XX/XX/2019. I have not had any dealings with this company now or in the past. I have called XXXX and they refuse to deal with this situation. I person gave me a case number ( XXXX XXXX XXXX ) but this seems to mean nothing to them when I inquire further into this matter.

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 2020-02-08
Company: Ability Recovery Services, LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I checked my credit and saw an account from Ability Recovery for XXXX XXXX for {$1700.00}. I was unable to finish the career training program due to a severe illness that lead to a death in my immediate family.

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 2022-08-12
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with Fair Credit Reporting Act XXXX XXXX ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX ( # XXXX ) {$320.00}, XXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX ( # XXXX ) {$470.00}, XXXX XXXX XXXX  ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,

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 2020-06-23
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our family was financially impacted by COVID-19 in XXXX and we requested help from PHH Mortgage to reduce our Mortgage payments via a loan modification. The agreement offered by PHH was that if we were offered one, we could not use the CARES act forbearance period. 
We were told it would only take 30 days to process, but they denied the request for a loan modification after almost 60 days of weekly phone calls and back-and-forth emails. 
Once we received that notice, on XX/XX/XXXX we requested the CARES Act Forbearance for our XXXX XXXX-backed mortgage per the terms required by HUD and XXXX XXXX. We were informed it would take 10 days to process our request and come to a decision, however they missed that deadline and say it's under review. They have stated they will not communicate any decision on our request except via standard US mail.

I would like to highlight that they are not allowed to deny this request, and there should not be a 10-day research and review period to do so. Also, this company has dragged their feet at every step of this process and while we understand that they are inundated with requests, something this straight forward should not require that we make four ( XXXX - XXXX, XXXX, XXXX, XXXX - we have no expectation that we will be allowed to forebear until XXXX or XXXX at the earliest ) on time, in-full payments while we are hemorrhaging savings, which is exactly what this delay has caused or it will cause irreparable harm to our credit and per the PHH website they will put us into foreclosure and continue the action after the forbearance period is over. 
They will also only approve 90 days and require us to re-apply at the end of the 90-day period, even though they are REQUIRED by XXXX XXXX to issue it at 180 days. 
We have never missed a payment on our mortgage in 15 years. This is absolutely unacceptable for this unprecedented time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: R & B Corporation of Virginia
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting on my credit report as a Collection. The original creditor is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both collection debts were placed on my credit report on XX/XX/2018. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$110.00}. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$210.00}. 

I have sent a debt validation to the Debt Collector and has not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-26
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX You've paid off 0 % of your collection amount. 
Balance {$960.00} Highest Balance {$960.00} Opened XX/XX/2017 ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Eagle Accounts Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2018-11-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2018 my complaint is seems like my mortgage interest is going up in the payments are getting higher every Year once again my mortgage interest went from6.750 % to 7.750 % and there charging me more money every month and it very clear that I'm paying more interest then principal on this loan that's going to take me forever to pay it off. I'm watching every time Select Portfolio Servicing goes up on my interest and charge me more month on my mortgage this is totally unacceptable and I see they're stealing money and if I don't say nothing they going to keep doing it so please " CFPB '' look into this matter. I know my responsibility is to pay my mortgage every month but not get ripped off at the ends of Select Portfolio that stealing and upping my interest rate. I just retired XX/XX/XXXX of this year and I'll be damned if they try to go up on my interest more and charge me more because I will report them every time they do so thank you for your time. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to XXXX whom, I pay regularly. For some reason they reported that my payment was XXXX days delinquent to the credit reporting agencies, and has refused to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CITIBANK, N.A.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX illegally auto-renewed the Sunday XXXX service on a credit card I had on file with them after I had already cancelled it at the end of the previous season. I did not know about the charges until a few of them took place. I disputed all the charged with CitiBank after reading the fine print, confirming my cancellation. All disputed charges were correctly resolved, with the exception of one from XXXX. Since then ( it is now XXXX ) I have been calling to resolve this. CitiBank decided to charge me late fees and interest on a charge I never made and I have spent hours on hold with them, specifically more than 2 hours every other week for the past 4 months. On XX/XX/XXXX, after my 5th phone call - they constantly disconnect or lose calls and even after several requests to get called back if this happens, I talked to a Dispute representative and she told me " I have processed the credit for the disputed charge. The late fees and interest will be resolved and your account will be a {$0.00} balance. You will receive a letter in 3-5 business days that explains this. '' I then asked about reopening my account - which had been cosed for " non-payment. '' She said she put in that and it would be reopened and I would recieve another letter in 5-7 business days on the status of my account. Instead 2 days later I received an email that my request to reopen my account was denied. Today, XX/XX/XXXX, I received a letter in the mail with a new account balance. On the same day, I received note that I was turned in to collections for {$150.00}. So not only did she not credit my account for the disputed amount and only charge on the account, all the interest and late fees still exist and they turned me over to collections. I have spoken to a customer service manager who told me that he is unable to view my account since it went to collections. I asked who I can speak to at the company that can access my file, in its entirety and resolve this for me today. His only suggestion was to speak to collections. They are only going to ask me for a payment and I am not paying for a service illegally charged to my account. Just today I have been on the phone with them for over 2 hours trying to resolve this.

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 2020-06-23
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX XXXX {$91.00} XXXX XXXX {$1600.00} USDEPT ED XXXX USDOE/XXXX {$5500.00}

Company response to consumer: Closed with explanation