BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-04
Company: JPMORGAN CHASE & CO.
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:
JPMCHASE Reporting continued late payments on vehicle lease account XXXX. 

Ive had several cases open over the past year and each time Im told issue is a mistake and resolved only to have late payments reappear and harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: I.C. System, 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 information incorrect

Complaint:
I have medical bills that are on my credit report 4 that was reported to creditors. I have never gone without medical insurance. I need to get this matter taken care of.

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 2017-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In the wake of the Equifax breach I attempted to get my Equifax credit report and freeze my credit on Equifax. In both cases I received a time-out error message from the Equifax website. I tried the process on 3 different browsers to no success. I understand Equifax 's systems are under duress during this time but it is unacceptable that I can not protect myself due to their incompetence. Furthermore, the fact that they had to be pressured to waive their fee for credit freezes adds insult to injury

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In early XXXX I was notified by my credit monitoring service that a derogatory item had been added to my credit file by Eastern Account System of XXXX XXXX, CT. The debt added to my credit file had already been paid in full ( {$310.00} ) to the original creditor, XXXX XXXX XXXX. 

Eastern Account System persists in sending collection statements, despite a copy of my receipt being mailed to their address on XXXX/XXXX/2017 : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CT XXXX. 

When they failed to remove it, I filed a dispute with XXXX ; XXXX contacted Eastern Account System and was told the debt was valid. I spoke with XXXX XXXX XXXX, and no one from Eastern Account System had reached out to them to verify that fact -- thus Eastern Account System is acting in bad faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Savings and Checking account on XX/XX/XXXX and deposited {$20000.00}. I then added another {$35000.00} on XX/XX/XXXX in order to qualify for the {$700.00} new account opening promotional code. 

On XX/XX/14, I contacted Citi to confirm I would get the {$700.00} provided I kept a minimum balance of {$50000.00} for 90 days after XX/XX/XXXX. I was provided a promo code number ( XXXX ) and assured I did qualify. This was XXXX from Team XXXX. This was at XXXX XXXX  On XX/XX/XXXX, I contacted Citi again at XXXX XXXX  PST. I was told I had to wait no longer than XX/XX/XXXX for the final {$300.00}. This was from a person who only identified as a number ( XXXX ). 

On XX/XX/XXXX, I received {$400.00}, instead of {$700.00}. 

On XX/XX/XXXX, I contacted Citi again. They would only open a complaint. This was done by XXXX from team XXXX. It was at XXXX PST. 

I have no confidence whatsoever that Citi has any intent on honoring their promotional offering.

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 2017-11-28
Company: Walwick, Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never been to this facility, have attempted to dispute with merchant credit and the reporting agency, with no response or solution, on multiple occasions. 

XXXX XXXX Opened XXXX XXXX, 2016 + {$130.00} Original creditor : XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2020-05-04
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo sent me a letter today, dated XX/XX/XXXX, stating that they were closing my account on my credit card. This is the first notice and information that I have heard of the closing of my card/account from them. There have been no phone calls and letters up to this point. I had even been on the phone on XX/XX/XXXX talking to a banker, XXXX, who told me that I was not getting a new credit card because I had a past due amount. I was going to make a payment on the XXXX of XXXX when I got my paycheck. There was no mention on the phone of them closing my account even though XXXX checked with his supervisor to find me an answer to my question. 

When I called the number listed on the letter today, I spoke with XXXX who informed me that my account had become " delinquent '' with my account and that was why they were closing it. I asked her when that happened and she checked with her supervisor and stated that I was not keeping my account current and that it had become delinquent. I went through my statements again and no where on any of my statements was my account delinquent or was I sent other letters letting me know that I was falling behind on the account. I have been making monthly payments and keeping up with my account, even if it was late. XXXX then stated that they ( Wells Fargo ) had been sending me letters about my account being delinquent. I have never received these letters so who knows where they actually went. The letter that I got today still had my maiden name on it even after I have sent them the necessary documents to inform them of my legal name change to my married name. So between these letters that were sent and the issue with my name on the letter, this letter was the first one that I have received in a long time. 

I have been banking with them since XXXX and I have worked with them on this credit card for several points. The due date for the payment of the bill is the XXXX and I have worked with them 5 separate times to get the due date moved to another date because I only get paid two times per month and the XXXX is not a good date to have a bill due. On each of these five times, I was told that I could not move the due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute over 45 days ago and I have not received any results or status of my investigation.

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 2018-02-11
Company: We Collect Inc
State: FL
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 this item since I became aware of it. There are numerous complaints I have made. 

This is regarding an apartment I sublet in XXXX Oregon from the XXXX XXXX  XXXX XXXX. I rented the apartment for two months. I paid a security deposit. I notified XXXX that my job had ended @ XX/XX/2014. XXXX informed me that it was ok. Rental demand for apartments in XXXX is high and they were able to rent the apartment. When I asked for the invoice to substantiate the claim I did not paid I was given the attached invoice which is for a period of time I was not resident. I have submitted copies of my bank statement which shows two withdrawals for {$700.00} each paid on XX/XX/XXXX, and XX/XX/2014. I have asked XXXX XXXX to research the money orders which typically I used to pay rent. I have sent the bank statement to XXXX XXXX who claims that the withdrawals do not prove that I paid. It doesn't prove that I did not. 

This dispute has been ongoing and frustrating that it is not corrected. No matter what I supply XXXX and XXXX XXXX still claim I didn't pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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/XXXX, I was charged {$12.00} for Overdraft Protection Transfer Fee. 
On XX/XX/XXXX, I was charged {$35.00} for OVERDRAFT ITEM FEE On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for a check # XXXX On XX/XX/XXXX, I was charged {$35.00} for NSF : RETURNED ITEM FEE for an electronic transaction. 

I have not yet contacted the customer. I can understand the charge for the check, but the other fees seem excessive and unnecessary.

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 2017-11-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.

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 2018-03-20
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX continually contacted me for about two years regarding an unpaid bill. However, each time I asked for an itemization of what the bill was for, they could not provide it to me. They stopped contacting me for a while, then the collection account showed up on my credit reports. I disputed the collection with the credit bureaus and had it removed. About a year later, XXXX XXXX XXXX contacted me on XX/XX/XXXX saying I owe XXXX. I sent them a letter requesting additional information under the FDCPA on XX/XX/XXXX. I never heard anything else from XXXX XXXX XXXX On XX/XX/XXXX I received a letter from Afni , Inc. attempting to collect the same debt. I am now preparing to send them the same letter regarding a request for information under the FDCPA. Can this collection account just keep getting transferred when the company can't provide me with any details and this will permanently be an endless cycle?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Ally bank issued cashier 's check on XX/XX/2018 for XXXX from my checking account, and it did not arrive in time to be used due to deadline. Requested the check be returned to account. It has been almost a year now, and they still wont return the money without continuing dragging of feet like requesting the check be returned to a post office box that will not accept certified mail, signed, listed as not used for purpose, and with a letter of instruction requesting where the funds are to be deposited.

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 2021-09-13
Company: EQUIFAX, INC.
State: IN
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:
I field a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment in XX/XX/2020 to my report which is incorrect and I am asking this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: NCB Management Services Inc.
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
About a month ago, NCB management was repeatedly calling my work, when I finally talked to XXXX XXXX ( sp? ) I told her that they can not call on my work phone number due to our phone policy. Today ( XX/XX/18 ) I received another call from XXXX XXXX and she said she has no record of that conversation. I have also sent them two emails stating in writing that they can not call my work. I'm at a loss for what to do to stop the harassment so I wanted to file a complaint here to have it legally documented that they are breaking the law and continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts were done under fraud and I have disputed these accounts and they are affecting my livelihood. I first realized the issue when I found addresses on my credit report that did not belong to me : XXXX XXXX XXXX XXXX XXXX, PA XXXX, any accounts connected to this address are not mine and need to be removed. The accounts have violations of the Federal Credit Reporting and the fair Credit Debt Act. These accounts are causing financial hardship in my life. Its been a violation of my eight amendment United States Constitutional rights by which its caused suffering. These creditors have utilized predatory lending acts and practices that have caused me not to secure adequate housing and reliable transportation. Im an indigent person now that the Credit Reporting agencies fail to investigate and correct my disputes. If my issues are not corrected I will be forced to escalate this matter to Federal court. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: SYNCHRONY FINANCIAL
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal is the company for the last month i have went to the site nearly daily to pay down my account balance and to make the payment online as i have done for the last few years. every time i go there it says unable to make payments at this time. 

then after several weeks of this i done the online chat to find out they are working on their system and did not know when to expect it to be fixed. 

they then told me after weeks of unable to make payment at this time that i could pay over the telephone or send in my payment. 

this should be posted right where the unable to make payments at this time is and should tell you since hard paper billing is not on to turn it on so you can know where to send the payments to. 

i feel this is like a payment trap for senior citizens in that they may not know how to navigate to find all the information needed or may end up owing late fees due to waiting for unable to make payments at this time, thinking it is going to be fixed and has been like this for weeks with modern technology being as it is, you would think this problem should have been fixed by now. 
what this is telling me is our bank accounts and credit cards may have been compromised with all the hacking into online systems and that the company is trying to fix it or hide it, until maybe they are able to secure the server

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 2021-02-21
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I've been a great customer with Discover for almost a year. I've never missed a payment. 
Discover requested an IRS tax form They received them and said they couldn't verify information but wouldn't say what. They closed it for no reason and didnt even give me one despite multiple calls in. I flipped out on the reps I spoke to since I'm rebuilding and this absolutely set me back a couple steps. Discover is a bad company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for. Credit card and they claim after I spend {$3000.00} I will get {$300.00} credit. I spend that amount and lost my credit card and didnt get it till a month later. They claim when they were issuing my card time was running and that desk expired.

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 2022-08-11
Company: PNC Bank N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a promotional offer from PNC Bank for my VISA credit card. The offer was that if I made {$500.00} in purchases on my new card between XX/XX/2022 and XX/XX/2022 I would receive a {$100.00} credit on my account within 90 days. I made a {$500.00} purchase on XX/XX/2022, but I never received the credit. I called their customer service and was told they didn't show the offer as having been made on my account. They were going to research the issue and get back to me. That was over a month ago and they have not contacted me. I have a copy of the promotional email I received from them with the offer which is attached to this complaint along with a credit card statement showing the purchase made on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 formerly requested that both XXXX and TransUnion remove derogatory information from my credit report. I also have paid a company to clean up my credit and they have sent paperwork disputing my " Public Record '', that I have a tax lien. They verified a lien, but it was the wrong lien. I have had 2 liens on my credit since XXXX. A federal tax lien in the amount of about {$18000.00} or so, may be higher, I am not sure. I never paid that lien, and it fell off my credit report in XXXX. Also, in XXXX, we were told that the state of Alabama had put a tax lien on us for the amount that is being reported currently on my credit report. A STATE TAX LIEN, not the Federal one that is already off. I submitted documentation to show that the STATE TAX LIEN was RESCINDED!! That means that it was never supposed to even exist. It's been rescinded by the state, and when you call to verify the STATE TAX LIEN, they will tell you there is no record of a tax lien because it was RESCINDED!! I have provided documentation, and they claimed to have removed the tax lien from my credit report, but that didn't happen. It was not removed. Both XXXX and TransUnion, as of today, XX/XX/XXXX, still show that I have a tax lien on my credit report. ( See attached ). I want both companies to remove my tax lien, and put me in the position I should be in.

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