BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-25
Company: WELLS FARGO & COMPANY
State: KY
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:
Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity

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 2019-01-10
Company: AMERICAN EXPRESS COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
An auto payment of XXXX was processed by the American Express on XX/XX/XXXX ( 10 days before due. Somehow I set it that way because there was no option saying " pay on due day ''. It just allow you to setup autopay on 1-25 days after statement day. And no one was telling me due day is how many days after statement day ). However I did not have enough fund in the checking account it was withdrawing from. I haven't used this card or a long time and I total forgot the auto payment setting and I was planning to pay it before due. ( I scheduled a payment of XXXX on XX/XX/XXXX ) So I called American Express to stop the payment to avoid the overdrafting fee or returned payment fee. Amex said they could not stop it because it was all automatically processed plus it will make three attempts to withdraw the fund. I saw on my checking account that the withdraw was rejected and there was a XXXX  dollar return fee charge. Then on XX/XX/XXXX ( today ) Amex made another withdrawn request and I think it will be rejected and there is gon na be another XXXX  charge fee from my checking account. So I called Amex and asked them to stop the payment and I was told it can not be stopped and there will be another attempt on XX/XX/XXXXor XXXX   if this was rejected again. What I don't understand is that if there is no enough fund in the account why Amex kept trying it and for 3 times? It usually takes more than 3 days to transfer from banks to banks and sometimes if the amount is large it can take 5 days. Because of the setting of Amex I will be charged total of XXXX  dollars from XXXX XXXX ( my checking account ) which is unnecessary at least for the last 2 times. Further I don't know if Amex will charge me returned payment fee for 3 times. I already saw one of XXXX  dollars for the first attempt. there will probably 2 more. I feel like being ripped of by amex. I don't understand why Amex can not stop the autopay and why do they set it that way ( 3 times? Is that necessary )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I just checked my Equifax credit report ( XX/XX/18 ) and it has dropped considerably and does not show my mortgage accounts through XXXX XXXX, which are paid as agreed. 
I have previously attempted to request corrections from Equifax and Equifax has been completely uncooperative, requiring me to send them documentation of the error by mail in violation of guidelines which has required me to file a complaint. For this reason I am filing a complaint to get the work started.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Calling from XXXX area codes and not letting me put them on a DO NOT CALL OPTION. When I pressed the # 2 it took me straight to a human and I asked who gave you this #? He said your wife and hung up. Now I blocked that # but it will just be a different one another day. I thought the US GOVERNMENT put a stop to these harassing calls??? I tried to call the # back and it wasnt a working #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On or about XX/XX/XXXX and XXXX two fraudulent charges in the amount of {$150.00} plus a {$5.00} ATM fee was withdrawn from account. I noticed it on the XXXX and immediately went to Chase bank to inform them of what happened. They cancelled my debit card and reissued me another XXXX ; they also reversed the transactions pending an " investigation ''. About 2 weeks later I notice that the money was taken again from my account. When I called the investigation team at XXXX they informed me the claim was denied because " you used your pin at the XXXX XXXX XXXX in the XXXX ''. I live and work in XXXX, La. I asked them what do I need to do to prove that I was not in the XXXX so I can get my money back. They informed me I need to provide documentation that I was not in the XXXX. I had my employer write a letter and provide the time sheet proving that I was not in the XXXX. I went into the branch a few days ago and was told they had my information and I should receive a refund in 1-2 business days pending " investigation ''. Well today I checked my account and I still do not have my money back. I called the investigation team again and was told the claim was denied again because " I used my pin ''. I was not in the XXXX and I proved it to them, yet they still refuse to refund my money. Please tell me what more needs to happen for them to understand I did not leave the country, I was never in the XXXX and I did not complete this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15
Company: EQUIFAX, INC.
State: ME
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:
XX/XX/XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX.  XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to XXXX XXXX XXXX, all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX  and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX DEPTEDXXXXXXXX**** XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2012 we received a letter from Chase offering a Mortgage Rate Reduction. Since we were only given 1 week to act on this offer and I was unable to handle the application, my daughter and my husband took care of the application for this adjustment to the interest rate. Because of our current financial situation I have been going back over previous records regarding the mortgaging of our home which is why I'm writing this complaint today. 
First - the letter you sent is very deceiving ; it gives the impression that you are only reducing the interest rate when in fact you are refinancing the loan. The reduction in the interest rate of .63 % would have made a minimal reduction in the monthly payment. The reduction of {$200.00} in the monthly payment was really the result of refinancing the loan and extending it back out to 30 years costing us an additional {$35000.00} in interest. If you were going to refinance the loan ( you could have just adjusted the rate on the original loan ) you should have left it at the remaining years but then the payment reduction wouldn't have been as attractive. 
Second - You refinanced this loan as a HARP loan that I don't think we were eligible for because our LTV ratio was way below the 80 % requirement. I think this is the reason our loan has been pooled with other underwater loans that have been sold at a great discount but makes my mortgage not eligible for most of the help programs because I have too much equity. 
Third - The income we received from social security wasn't enough to support the mortgage payment, taxes, and home insurance. The additional monies we were using from our XXXX and savings would have been better used to pay down the balance of the mortgage and than refinance the lower balance with a lower interest rate. Having said that you still should have verified how we were getting the additional monies to pay the loan and for how long that would have lasted. It would have brought to light the financial path we were on instead you chose to capitalize on us. All of these actions could be construed as predatory lending. Between what transpired in the refinancing of our loan in 2012 and how chase handled our loan 4 years later with a request for mortgage assistance has lead to me having to file for bankruptcy just to keep our home from being sold at a sheriff sale. I may have been a very responsible homeowner but you are not a very responsible bank. 
I know from the internet that other customers also received these letter but with their own customized offers and they too didn't feel your offer was in their best interest. I don't know the status of these loans now but it does make me wonder if they too are facing the same financial dilemma I'm facing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi I have both HSBC Checking and saving account since last year. this year Before I want to close them on XX/XX/2019, I initiated the money transfer from XXXX XXXX Joint account with my wife to pull balance from HSBC. after the HSBC balance become XXXX, I closed both of my accounts. But XXXX XXXX returned the money back to HSBC as I log in XXXX XXXX using my wife 's access, even though it's a joint account. they said the name is not matched. the total balance of {$10000.00} was returned to HSBC on XX/XX/2019. I called XXXX back they are not able to allocate the balance so they have to return to HSBC.I have called HSBC customer service several times ( extension, they are denying they got the money because I already closed my accounts and kept saying XXXX XXXX   holds the money. i have double checked with XXXX XXXX, they are not holding this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TX
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:
For the last 5 years I have attempted to access my Experian credit report to no avail. I have called verified ACCURATE information, mailed identification, now when I call i get caught in IVR XXXX. 

I have exhausted every method to access this information-where credit is often denied from. When I attempt to pull it simply tells me to call then to send information. I have let it go for years, now I want to verify, confirm, what is on that report. 

Please assist.

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 2017-06-15
Company: EQUIFAX, INC.
State: OH
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:
mailed letter to Equifax on  XXXX   XXXX ,   XXXX   asking for Method of verification, requesting copy of documents bearing my signature. Have not received any such items. I have frozen accounts with  XXXX   XXXX  and  XXXX   XXXX  still confirms that Chapter  7 is   verified through  XXXX   XXXX . I also have sent them the letter from the Bankruptcy Court stating that they do not verify anything to credit bureaus. How can you report something in my file that you ca n't even say is correct when you have no way of verifying it. There are millions of  XXXX   XXXX  out there my medical records get mixed up all the time. Chapte r 13 w as deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: CA
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: Other problem getting your report or credit score

Complaint:
Despite contacting Experian many time personally and true my lawyer my credit score unavailable. I can not make any purchases, can not buy a car, can not open secure or regular credit card, can not rent apartment.

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 2019-01-10
Company: WELLS FARGO & COMPANY
State: ID
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 new checking account with Wells Fargo on XX/XX/XXXX. There was a promo valid until XX/XX/XXXX that was offering a {$200.00} bonus if a direct deposit of at least {$500.00} was received each month for three months within a 150 day period. The disclosure stated that the bonus would be deposited 45 days after qualifications had been met. On XX/XX/XXXX I noticed that I had not yet received the bonus. I emailed customer service and was told that they would have to investigate further and that I would receive an answer via US mail within 14 business days. On XX/XX/XXXX I received a letter from Wells Fargo that stated that I had failed to meet the direct deposit requirements. It said if I disagreed with the letter to call customer service. I called on that day and was transferred three different times. I first spoke to customer service they transferred me to a manager who said she couldn't help me and I was transferred to a customer support team at the corporate office. They all agreed that they were unsure why I had not received the bonus. The final customer support rep assigned me a case number and I was told that I would be contacted by someone from the consumer case management department within 24 hours. The following day I was contacted by XXXX from the consumer case management department. He reviewed the information and told me he would have to contact another department to investigate my claim further. I spoke with him on XX/XX/XXXX he promised me that he would get back to me by the end of the day or for sure by the next day XX/XX/XXXX. I did not receive a call yesterday and am now filing this formal complaint. In terms of documentation, I have all three statements showing that the qualified direct deposits were made for each of the following three months. Also, I have a print out of the promo, my approved application saying that the offer was attached and the offer disclosure. I am happy to provide a copy of the letter I received on XX/XX/XXXX. I am very tired of Wells Fargo. I would warn anyone and everyone to stay far far away from this bank. They obviously have no ethics or morals.

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 2020-11-14
Company: KEYCORP
State: IL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received an Illinois Department of Employment Security ( IDES ) prepaid debit card by KeyBank on XX/XX/2020 and by XXXX XXXX  on XX/XX/XXXX. I did not request these cards. I am not unemployed. I reported the possible Identity theft and fraud to the IDES on XX/XX/XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have tried to contact experian/XXXX / XXXX  on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response

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 2018-09-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I wrote Experian twice ( XX/XX/2018, XX/XX/2018 ) and challenged the accuracy and compliance of information on my credit report regarding a previous bankruptcy. I asked Experian to validate the following information regarding the item I challenged : 1 ) provide me with copies of documents bearing my signature, 2 ) provide me copies of the verification from the Bankruptcy Court itself. Experian did not comply with my request. I contacted the Bankruptcy Court, XXXX XXXX XXXX California, to find out how the Court verifies information to Credit Bureaus. The Clerk of the Bankruptcy Court replied and said the Court does not report nor verify bankruptcies to Credit Bureaus. Therefore, it is obvious Experian did not verify the bankruptcy information with the Bankruptcy Court. Based on the requirements of Fair Credit Reporting Act, I request that the Consumer Finance Protection Bureau inform Experian that Experian is not in compliance with the Fair Credit Reporting Act by not properly verifying bankruptcy information with the Bankruptcy Court. I request that Experian delete the unverified bankruptcy from my credit report. I have attached documents to this complaint.

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 2018-09-14
Company: Wilber and Associates, P.C.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2018 I was contacted by someone at the company Wilber & Associates saying that unless I paid on a claim totaling {$2000.00} from XXXX XXXX XXXX, my license would be suspended by midnight that night. I almost gave them money but fortunately, I did not have my debit card with me. I later found out that they can not do that and this claim was from XX/XX/2018 where I was hit while riding my skateboard and XXXX XXXX has failed to provide the appropriate information or properly investigate their client 's claim. I am a college student and was seriously injured as a result of this accident. I am willing to work with everyone but not under these extreme threatening tactics.

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 2017-06-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have sent  XXXX  several certified letters concerning the false, bogus info they are sending to the  XXXX  credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially.  XXXX  has violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork from  XXXX . I spoke to  XXXX   (  Customer Service  ) e xt.  XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX  he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a   XXXX   ( Customer Service  )  told me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was signed  XXXX  She  also told me my last payment was  XXXX .  XXXX  is reporting false info which against the law. This is the reason they not replying to my certified letters!!!

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