BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of identity theft and notified bureau and also send documentation to one creditor to verify the problem yet they say they ca n't remove the inquiries. police report was sent as well as several calls and letters in the mail over the past 8 mths

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 I received a fraud text alert from Synchrony bank ( GAP ) I said I did not make the purchases. ( I had the card in my possession the whole time. ) I then talked to Synchrony bank to cancel the card so no more charges would be made and verified my identity through the link they emailed me. They said to expect a new card in the mail. Within the next week I received a letter in the mail saying my request to increase my credit limit was denied. I did not make the request so I called the credit card company and was informed that my card was maxed out and XXXX was charged on XX/XX/2021. When I spoke to the fraud department that day- they realized that the original text I got was fraud- and they set it up to allow themselves to use my card without me knowing- because I thought that card number was canceled per the conversation I had on the XXXX. 19 out of 20 of the transactions were made at XXXX  ( all listing OR or WA locations ) and one was made at a XXXX XXXX in XXXX, WA. I live in ILLINOIS. They also tried to set up XXXX pay with the card and I have an XXXX  and do not use XXXX. I have gone back and forth with Synchrony bank every month since this happened on XX/XX/XXXX. Each month they provide a new reason why the fraud was being denied. I will attach those reasons below. I filed a police report and am waiting for the official report but will post my receipt. In the history of having this credit card I have never maxed it out or come anywhere close to it. I have a XXXX debit card I use for all XXXX purchases.

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 2022-04-01
Company: EQUIFAX, INC.
State: VA
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:
The following account is not mine XXXX Account : XXXX The following account is not mine XXXX Account XXXX Please remove from my credit report I disputed collections and still showing on my report please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: ACQ Holdings, LLC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I started a loan agreement with Easy Cash ASAP on XX/XX/2020, for the amount of {$500.00}. The initial agreement was for 11 payments of {$130.00} for a total of just over {$1500.00}, if minimum payment was made on time as scheduled. However, it clearly states there is no early payment penalty. So, I started paying above the minimum to pay off early. My payments were as follows : XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XX/XX/XXXX - {$130.00} XXXX - {$150.00} XX/XX/XXXX - {$130.00} For a total of {$710.00} Due to the Coronavirus outbreak, my job was affected and my pay was reduced significantly in the middle of XX/XX/XXXX. I informed Easy Cash of my situation and continued to make another payment before I simply could not afford another payment at that rate. I asked for a payoff amount for them while letting them know of my situation. They were not understanding or sympathetic to the situation and demanded that I pay them {$500.00} for the Principal of the payment. This would assume that I paid the {$700.00}, and none of it went towards my principal balance. I was calling to settle with them that day, and they refused to even acknowledge I paid anything to the principal. There was no working with them and since I have had a couple conversations over the phone and they have not budged. I have repeatedly told them that I would be happy to settle for if they worked with me on the number, but they were ripping me off. They are not going to work with me and have threatened through email and phone conversations to turn me over to collections unless the total amount of {$500.00} is paid immediately. At bare minimum I should owe them is {$340.00}, this would be {$20.00} for the first 3 payments, and {$40.00} for the next 2 payments counting towards my principal.

Easy Cash continues to send me text messages demanding their money, I call back and go through the same routine with them every time. I have tried reaching out to them through email, phone, and website help to resolve this issue, and nothing has been successful. 
It clearly states in my contract that I can pay my loan off early with no penalty. Why would my payoff amount be the same as my original principal after I had already paid the loan off 140 %??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I am a veteran with over 20 years of federal service. I have been with Navy Federal Credit Union since joining the XXXX in 1989. I have always considered NFCU a top tier financial institution until this incident. I went to visit XXXX and I was very intrigued by the abundance of opportunities there to grow business. I was sending monies from my NFCU through XXXX. I was initially having any difficulties until XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, between NFCU and XXXX over {$9000.00} of my money has disappeared. I have been writing the XXXX companies every since to get resolution and the only thing that has happened is the NFCU closed out my account and XXXX blocked my account from transferred money any further through them. I am being treated like a criminal for asking for my money to be returned to my bank account. Each company say that it's with the other company. I will provide the documentation that shows this. I pray for a quick resolution. I have been put on medication for XXXX and anxiety. I not only lost out on business in XXXX, but I ended up losing my business here and my business account got closed out as well because my seed money and bill money got absorb by one of these companies and I was just starting out. I am disappointed in both companies and I have no trust in either one of the companies at this point. NFCU did not take care of me. On the contrary, they played a major hand in destroying what I was trying to build for myself and my family. I thought that I could trust them to recover my monies. They are FDIC covered. I thought that meant something. The fact that all my messages of all the reports I made to get this fixed are gone also concerns me. My parting advice to anyone reading this : Back up any communications to your own system and make copies of any and all communications to XXXX. If it's left in their system, it disappears.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: NJ
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was supposed to receive a credit balance refund check from chase after my credit card is closed. the check was supposed to sent out in XX/XX/2020, but i never recevied. After talking to Chase over the phone for 2 months for the check, they finally mailed me a cancelled check that was cashed by someone else on XX/XX/2020. after receiving the cancelled cash from Chase, I noted to Chase that the refund check was not received by me and asked for a new check. 

Now Chase forced me to sign the " Declaration of unauthorized endorsement or altered item '' form even though it was clear from the canceled check that the refund check was not signed by me and i did not do anything wrong ( never received the check, called them multiple times on this issue and pointed out to them that the cancelled check, which they have, noted that it was signed by someone else ). 

It might be within Chase policy, but this is a perfect example where " big banks '' post undue burden on a regular consumer to deflect their mistakes and hope that a regular consumer, like myself, would not follow up, so they can get away from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: Army and Air Force Exchange Service
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My account information with XXXX XXXX is being refused to be given to me as they have charged off my account and they are now letting a third-party collector dictate their terms to me. The third-party collector is XXXX XXXX XXXX. I was informed that they had already tacked an additional XXXX XXXX dollars on to the original balance with XXXX XXXX and they intend to charge additional fees on top of that. I do not believe that a government agency or dod contractor should deny a consumer his personal account information. Does this not violate any of California 's Consumer Protection laws?

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 2017-10-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a co- signer on a loan that occurred in 2007, when the company was freely giving loans and using deceptive practices in regards to the for-profit schools. I was receiving calls at my home some days up to 28 calls. I am gone during the day to work, and provide a machine for message. I have been abused by the callers. I should have been released from this loan years ago, however that was never presented as an option. 

There was one call that was over the limits of harassment. The lady was scolding me and belittling me, as if she was a parent talking to her child. The call was so upsetting to me. She asked harshly if I paid any of my bills. Did I pay my car payment, Did I buy groceries, If I did this, then why I did n't pay this. I was in tears at the end of the call. I was abused by this call!!! 

The companies response to my complaint was tell us what time and date did the call occur, so that I they could check on it. I have n't been able to supply that, but a company, worker by the name of XXXX XXXX admitted that the call was listened in on, by a superior employee and went to speak to that employee after the call. 

This shows the company lied to us all the time, and deceived us about the call. They should have record of the call, if the employee was repremaneded right after the call. XXXX XXXX apologized for the treatment on behalf of the caller. I would think that the company would want to help get these loans paid, but they do n't seem to want it paid. They always suggest forbearance, so they can get more interest out of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have 2 credit cards issued by Citibank, a Sears card and a Universal XXXX card that was originally issued by XXXX XXXX XXXX. I contacted Citibank 3 times on each card, attempting to close these account, both of which have a XXXX balance. They have yet to close these accounts, in fact I just received a " new '' card on the Sears account in the mail. It has become very frustrating trying to deal with this company - they intentionally hide links to close accounts and send consumers on a wild goose chase telling them they have to call a different number. I just got off the phone and this time they told me that the " new '' card I received today ( XXXX XXXX ) was sent to me on XXXX XXXX - 2 months in transit - I just can not swallow that. Citibank needs to be held accountable and when a consumer wishes to close an account, it should be easy to do so and completed in one call.

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 2019-06-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased a mattress from Macy 's on XX/XX/XXXX and was provided an option to defer interest for 12 months if paid in full. I most recently made two payments ( {$90.00} in XX/XX/XXXXand {$200.00} XX/XX/XXXX ) of which none of that payment was applied to the 12 month promotional event. I contacted Macy 's credit department today ( XX/XX/XXXX ) after reviewing my statements and was told that they will satisfy the minimum payment first ( I totally get that ) and then will apply to the regular transactions unless I tell them or request differently. So I had to call to request to have my payments applied to the 12 month promotion even though I had agreed to this during my purchase. Seems very deceiving to the consumer and very rewarding for Macy 's. The 12 month no interest was sold to me at the store but at no time was that explained or shared with 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 2019-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The results of me trying to inquire on my credit I come to find out that my personal information including my Social Security number has been compromised to open up Fraudulent accounts I was advised by the credit bureaus to Submit this form I hope that by doing so it will bring it to a end

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 2022-04-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On the date of XX/XX/2022 I have sent a letter due to inaccurate and unknown things on my credit report. To this day over 43 days later I have not received a response yet. I am upset about this and feel like I am being taken advantage of and ignored of my previous disputes. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 30 days and therefore should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. In addition to this, my information was impacted by the XXXX data breach and may have possibly been interfered with.

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 2017-10-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. 

Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. 

If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.

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 2021-11-09
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX of 2021 I opened an account with Key Bank. When setting up my account, I made sure that I did not allow the institution to overdraft my account. Since setting up my account, I have repeatedly been charged overdraft fees for one-time debit card transactions, which are exempt from overdraft charges according to CFPB 's regulation 1005.17. 

I last submitted a complaint to the CFPB on this issue on XX/XX/2021 ( complaint ID XXXX ) after repeated attempts to resolve the issue with Key directly. Key issued a statement promising to reverse the charges, in the amount of {$77.00} by my next bank statement. That bank statement has come and the refund has not. This is a financial institution with many billions of dollars at this disposal, yet they are unable to treat their customers with dignity and respect? 

Additionally, Key has started charging me with ATM fees, though I have not used any ATMs in this billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Account Control Technology, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I spoke to a representative of the company ( XXXX, XXXX. ) to establish payment terms for Connecticut State income taxes. We agreed to the amount of {$200.00} per month. The last payment, according to the rep would be final on XX/XX/XXXX. I received a number of confusing statements with amounts that did not match the agreed terms. I called several times to ask for clarity and was told the statement had not caught up with the payments and I was up to date. On XX/XX/XXXX I contacted them again. I spoke to a representative named XXXX. When I asked him about the final payment made XX/XX/XXXX he informed me that I had an outstanding balance of {$320.00}. I asked for further clarification on was told to contact the CT IRS and provided me their contact number. I was confused by this however I contacted CT IRS on XX/XX/XXXX to review the case and they informed me that I was up to date and there was still an outstanding amount due. They indicated I owed a different amount then I was told by XXXX, XXXX. I was referred back to the collection company to resolve the issue the debt was in their hands. I called XXXX, XXXX on XX/XX/XXXX asked for XXXX and was told he was not available and someone would call back in 24 hours. I did receive a call and called XXXX on XX/XX/XXXX and asked to speak with a supervisor and was informed that none were in at this time. This was about XXXX XXXX and I informed them I expected a call within 2 hours or I would be contacting the CFPB with a complaint. I did not receive a call to date. I am confused and feel I deserve to better understand how to resolve this issue. Your help is greatly appreciated.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: NY
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:
Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem them.

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 2021-11-09
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 
{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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