BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: EQUIFAX, INC.
State: IA
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:
equifax is reporting a collections XXXX XXXX Account XXXX that's inaccurate .I dont understand how are they reporting something on my credit file that's suppose to be accurate but send me a letter back after disputing it, informing me a their unable to locate my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: JPMORGAN CHASE & CO.
State: TX
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:
I made a purchase of {$260.00} on XX/XX/XXXX. I made payments of {$160.00} on XX/XX/XXXX and {$260.00} on XX/XX/XXXX. The minimum payment was {$140.00}. The closing date was XX/XX/XXXX ( please see attached statement ). That statement ( XX/XX/XXXX ) shows that I had an outstanding purchase balance of {$230.00} on XX/XX/XXXX. I have enclosed the previous months statement to show that there were NO other purchases prior to the one on XX/XX/XXXX. 
However, when I got the XXXX statement, it shows that I still have a purchase balance of {$210.00}. I have a promotional balance (@XXXX ) in XXXX of {$6900.00}. In XXXX, the promotional balance was {$7200.00} - a difference of {$380.00}. 

Apparently, the payment ( above the minimum payment required by Chase ) I thought would be applied to the purchase (@ 21.49 % ) was applied to the promotional balance first. It is my understanding that once the minimum payment has been met, payments in excess of the minimum would be applied to the highest interest rate balance first. This is not the first time that Chase has skirted US Financial Law to turn a larger profit. I need help in rectifying this problem, because my logic fell on deaf ears at Chase. Thank you in advance for your assistance. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I went to use my Bank of America UI debit card it was declined. I went directly to a branch and they advised me that I needed to call. While on the line for over an hour, I spoke to a BofA agent who took over an hour to assist. Honestly, it did not seem like she knew what she was doing. When I reviewed my statements, there was a Charge to E-Bay for {$2000.00} made on XX/XX/XXXX that was unauthorized. In addition, there were roughly XXXX charges ( well over {$2000.00} ) to XXXX XXXX in XXXX XXXX that I also did not make. These were reported ; however it is well over a week now and I still DO NOT have any credits. In addition, I looked at my balance today and there is a charge made on XX/XX/XXXX to XXXX XXXX for {$21.00} that I also did not make. I just activated my new card today, so how can anyone make charges to the account? Did this come from the prior card number? Bank of America also said they would be sending out letters and I have not received anything. These are the ONLY funds that I have and need and need some assistance ASAP, as I have bills that I need to pay.

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 2020-08-23
Company: Exeter Finance Corp.
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Went to XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX, borrowed XXXX never informed of interest rate, or given copies of loan agreement, told I would have a 1 time cab fee on my first payment, Appird for loan in XX/XX/XXXX 2017- paid XXXX every month, credited with {$110.00}, told pay off amount was more than the original loan - {$910.00}, charged cab fees every month but did show on my payment receipts - I have paid almost the entire amount but still owe XXXX however if I pay it off I have to pay XXXX, total loan amount comes toXXXX twice the amount I borrowed, I am on social security so my payments were scheduled every month on the XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I initiated a transfer on XX/XX/19 from my Chase Checking account to an external account. The amount in question was {$10000.00}, which was well within the funds I had available. I already completed verifying that external account a week prior with no issues. 

On XX/XX/19, I tried to log in to Chase 's website to see if the transfer had completed, but the website said my account was locked. 

I then called the customer service number provided, but after talking and waiting for an hour, they did not provide any solution beyond " go visit a branch. '' I am located quite far from one, so I will have to take time off from work to travel there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Problem with personal statement of dispute

Complaint:
I have a Capital One credit card that I have never been late on paying. Apparently, I had a charge from XXXX and wasn't sent a statement via email or mail, and never received a phone call. On XX/XX/2019 I found out I had a balance on this account through XXXX XXXX. After I saw this, I immediately went online and paid off the balance in an attempt to make my account current. However, I was notified by a representative of Capital One that their system sent out a report to XXXX   and XXXX that I was 30 days late, which has impacted my credit score.

I did contact XXXX and XXXX that same day to open an investigation to have the 30 day late notice removed from my credit report. Unfortunately, nothing was revised because I received a lengthy letter on XX/XX/2019 from XXXX showing that the 30 day delinquency is still on my credit report. 


Before this incident, I had a 100 % record of paying all of my creditors on time. Needless to say, this situation has lowered my credit score through no fault of mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I first reached out to Citibank to notify them I am representative for an estate for a deceased member on XX/XX/XXXX. The decedent lived in XXXX, AZ for more than 20 years and that is where my business is located. There is no local branch. The closest branch is about 3 hours away. I received no response and Citibank refused to update the address on file. As the Estate was winding down, I again wrote a letter to Citibank on XX/XX/XXXX to demand they close the account or release beneficiary information, if applicable. I've submitted certified court documents to prove my authority as well as an original death certificate. I also provided a copy of the husband 's death certificate, who is also listed on the account. I received a generic response indicating I could complete a small estate affidavit. I can not complete a small estate affidavit as the Estate is not small, and I have authority to administer the Estate by court appointment. The letter was sent by certified mail and a receipt was received. We also received documentation back which indicated they had been scanned by Citibank. When I called the Citibank Priority hotline, the representative indicated nothing was scanned. On XX/XX/XXXX, I again submitted my documents, this time by fax, waited a couple days and called back. Again, nothing was associated with the file and the representative would not provide information. We reached out to the branch in XXXX, CA where the account was likely opened, but the branch manager referred us back to the Citibank XXXX hotline. Again documents were submitted and Citibank claims they have received nothing. I am unable to close the Estate as Citibank is withholding Estate assets, or information regarding beneficiaries. It has been nearly a year and it is unfair to the beneficiaries of the Estate.

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 2021-01-20
Company: Alliant Capital Management LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted about a debt by Alliant Capital management and was told that if I didnt give them a card number to keep on file then the company who owned the debt, XXXX XXXX XXXX, could take action to the furthest extent of the law such as garnishing wages. This is intimidation and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018 I owned on my XXXX XXXX Credit card issued through Chase {$2200.00}. They received payment on XX/XX/2018 of {$100.00}. Leaving a balance of {$2100.00}. Additional charges came in at {$16.00}, {$3.00}, and {$14.00}. A statement was sent out for XX/XX/XXXX with the balance including interest at {$2200.00}. On XX/XX/2018 I paid off the entire balance by mailing in a bank check for {$2200.00}. The next payment date would have been on XX/XX/2018. I owed them nothing at that time. Yet, Chase states I owed tacked on interest of {$43.00}. I did not get a statement for XX/XX/2018 and as far as I was concerned was paid off and paid off. I made just two additional charges on my XXXX XXXX card. 

I went from owing them little to nothing to somehow now owing them over {$190.00}. I contacted the company and they refused to remove the {$43.00} accrued interest charge but did remove the late fee and just {$2.00} interest from the recent purchase. This is to me credit card fraud. 

On XX/XX/2018 I contacted Chase and ended up paying them off again and not only paying them off but automatic payment out of my checking account of {$150.00}. They told me they are again going to tack on interest charges even when I paid the entire balance off. Under their scenario even if you pay off the entire unpaid balance they still keep tacking on interest charges which makes no sense. Under that scenario a consumer will never get Chase paid off. They just keep tacking on interest charges and late charges. Chase phone number XXXX. My name is XXXX XXXX, Phone XXXX, address is XXXX XXXX XXXX, XXXX, SC XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
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:
XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of Prestige Financial Services.

I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for Prestige that negatives of my Auo loan # XXXX was removed by XXXX. 
Prestige administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.

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 2019-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the XXXX XXXX XXXX auto loan account that is being reported as late onXX/XX/2018 several times. XXXX nor Experian will look into the account at all. I was on an Auto Loan XXXX during the time in questions and NOT late. I went into a branch and had them print out my XXXX letters and payment history as proof. However, neither have updated my 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 2019-03-22
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After XXXX confirmed that Loans 1 and 2 were in repayment under the PAYE plan when I called them on XX/XX//2019 ( which was additionally confirmed when I heard back via CFPB complaint XXXX ), XXXX attempted to retroactively place my loans in repayment in forbearance, even while they were in repayment with XXXX and despite the fact XXXX assessed a payment on XX/XX/2019. I never requested forbearance on these loans while payment was being assessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Navient Told me I as in the program to work towards Public Service Forgiveness. I've been paying for 4years and recently found out it was all a lie. And I have to sign up for other program and start the " 10 years all over ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: BANKERS HEALTHCARE GROUP LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
XX/XX/2018. This is the third time that I have been contacted by Bankers Healthcare Group to take out a loan with them. It includes a card and a personal site that obviously could be used in identity theft if anyone else received it by mistake. I have written to them last month and the month before, demanding that they stop sending these cards. Their " President '' is XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. Please stop them from sending unwanted loan offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX at XXXX repeatedly failed to provide proof of debt. They attempted to fraudulently charge me the cost of a full carpet replacement knowing this collection was unlawful under Georgia Law. Additionally, they were required to provide me with an itemized statement no later then 48 hours post move out. This was never provided. This company then reported this amount to my credit knowing that this amount was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/2018 XXXX XXXX XXXX XXXX. XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Re : Theft XXXX XXXX, On XX/XX/2018, what shouldve been a simple request to wire funds from my XXXX Equity Line of Credit account to an Equity Line of Credit account managed by Bank of America, your employee with assistance from a Bank of America employee intentionally sabotaged the funds that were to be wired to my Bank of America Equity Line of Credit account. 

Bank of America intentionally returned the funds to XXXX in order to exact a {$40.00} fee in addition to XXXX {$20.00} wire fee. All excuses specific to why the funds were returned were blatant lies, lies in retaliation for a prior complaint that I filed with the Consumer Financial Protection Bureau against XXXX and Bank of America. 

Even though the theft of my {$60.00} is disheartening, having to go to a XXXX branch and be forced to argue with a XXXX employee about poorly trained XXXX employees was a very scary time for me. A XXXX man, arguing with a XXXX  woman in a bank caused me to be in fear for my life. 

Moreover, if your employees needed a laugh and decided to have fun with the XXXX, then, I sincerely hope that your employees have satiated their constant cravings for XXXX amusement. Ha! Ha! Ha! .You have a nice home and a financially rewarding job. Do you really need to XXXX me in order to acquire more money? 







Cc : XXXX XXXX XXXX-CEO Bank of America XXXX XXXX XXXX. 
XXXX XXXX, MA XXXX XXXX XXXX XXXX- XXXX Branch Manager XXXX XXXX XXXX XXXX 
XXXX XXXX, Md. 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 2021-05-05
Company: Paypal Holdings, Inc
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
During the last week, I have tried multiple times to get my free annual credit report from Equifax. ( I understand they won't provide an electronic copy, only a mailed copy -- because they have a policy of making it as difficult as possible to get the report. ) But each time I've tried using the free credit report website, all I get is an error message from Equifax, and then I'm told to mail them a request letter with a bunch of attachments. What is the point of having a website for this if it all has to be done through the mails? The other two companies don't jerk people around like this -- only Equifax.

Company response to consumer: Closed with explanation