BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Due to a messy divorce I had to take a terrible loan with credit acceptance Corp. it was not my plan to stay with them very long but then the pandemic hit a few months after purchasing the vehicle. I am paying my loan even through the struggles and have requested that they do not report me late and they are reporting me late for the last four months and it is hurting my credit

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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXXComplainant received a phone call on her landline from an individual who identified himself as XXXX XXXX, an employee of XXXX XXXX XXXX XXXX. He stated that unless the complainant did not pay XXXX via XXXX or XXXX her electricity would be turned off in fifteen minutes. And that the " technicians were on their way and would be at her house in fifteen minutes unless a payment was made immediately ''. The complainant stated that " she did not have XXXX XXXX '' but could make partial payment of XXXX and XXXX respectively from her bank account with Chase via XXXX ( XXXX ). She then did, using her checking account transferred as payment on XX/XX/2021 the following amounts : XXXX and then XXXX respectively to a telephone number provided, XXXX XXXX. She was instructed to call each day to make a payment on her balance and she did so ; on XX/XX/2021 she made a transfer as payment of XXXX via XXXX ; on XX/XX/2021 she made a payment of XXXX via XXXX as payment towards her balance and on XX/XX/2021 she made a payment of XXXX via XXXX towards her balance with XXXX. All of these transfers as payment were withdrawals from her Chase accounts via XXXX. On XX/XX/2021 she recieved a call stating that she needed to make yet another XXXX payment but she became suspicious as the " payment arrangement '' she negotiated had a different paymment date and amount. She made no further payments. It should be noted that the complainant attempted on multiple occasions to call the published number for XXXX in addition to speaking with these individuals holding themselves out as XXXX customer service employees but could ot reach anyone on the published lines. She finally spoke with someone on XX/XX/2021 who confirmed that XXXX had receied no paymnets from her and that they were not taking customer payments due to the Covid-19 virus pandemic. The complainant reached out to XXXX who referred her through an automated system to her banking institution. Chase took a Fraud complaint ( Referece # XXXX ) and provided their XXXX XXXX number for you to call regarding this matter ( XXXX ). The complainant has reached out to XXXX, Chase, XXXX, the New York AG, FTC and now this agency for remedial relief, namely the return of her funds and that the individuals responsible for this are prosecuted for this crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CITIBANK, N.A.
State: GA
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:
I paid citibank {$450.00} which left a credit of about {$150.00}. As of XX/XX/XXXX, I  had a remaining credit balance of XXXX. Citibank sent a check to me on that date, with a notation my account saying I requested the refund, which I had not. I haven ever received the check and cashed it, as verified by Citibank during a phone I recorded with them on XX/XX/XXXX. 

The total charged from XX/XX/XXXX to present are XXXX, which would leave a credit balance of XXXX, but they charged me late fee and interest of {$25.00}, which they refuse to remove, which leave my account past due. 

The mistake is theirs. Until I receive and cash a check, they still have my money. They sent money I did not request. They are applying the check back as a credit but not dating to remove the late charges and interest fees. 

I spoke with an account supervisor XXXX ID number XXXX, who refused to remove the charges until I made a minimum payment of {$25.00}. He said the account was late. I can not have a late account when my credit would still be over {$7.00}. The only thing making the account late is their late fee and interest, which should not have been charged. 

I had this issue before last year. The company is refusing the interest and late fee refund saying that I had a courtesy one before. The last refund was not a courtesy. It was this same exact issue. It took 3 months to get the check and they kept charging fees and interest, when it was their error

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 2022-02-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent multiple letter to the three bureaus, they have not responded in a timely manner required by the fair credit reporting act

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 2021-08-23
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a US Bank XXXX XXXX XXXX  because they had an offer of a {$750.00} bonus after spending {$7500.00} within 120 days. I met this obligation within 90 days. Now US Bank is saying that my XXXX XXXX  purchases do not qualify for this spend. MY PURCHASE WAS NOT A CASH ADVANCE, NOT GIFT CARDS OR ANY OTHER MONETARY ITEM. IT WAS A COMMEMORATIVE COIN SIMILAR TO A PAINTING OR A GIFT ITEM. It is not fair not to consider this for minimum spend. What if I had bought an appliance and sold it immediately on XXXX. This would have qualified for minimum spend, do not understand the logic of US Bank. I have attached the necessary documents

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 2021-08-04
Company: AMERICAN EXPRESS COMPANY
State: MI
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:
A notification was sent from American Express that they would be reviewing my credit limits for account ending in XXXX. It did not indicate that the account was overdue and upon checking with the organization and online at all accounts, all accounts were current and the next payment is due XX/XX/2021. The accounts are on autopay and as my husband had closed his checking account, I paid with my account for the Amex account ending in XXXX. The following payments were made for each account : XXXX- XX/XX/2021 {$100.00} XX/XX/2021 {$230.00} XX/XX/2021 {$140.00} XX/XX/2021 {$160.00} XX/XX/2021 {$180.00} More payments are on record and indicated that the accounts have been current and paid on time and never late. No attempts were made minus 1 instance that payment was due in which it was paid through another bank account. 

Account XXXX- XXXX  XX/XX/2021 {$500.00} XX/XX/XXXX, {$6.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$190.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$240.00} XXXX XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$310.00} There was no notification that cancellation or closure would occur, as well as no communication as to why. The organization did not ask for additional objective evidence from me as to how to keep the account open, nor did they notify me that this would be the outcome. The accounts were always in good standing and not overdue. They had been paid on time and did not offer additional options to even keep it open. Given the cardmember agreement, this violates their own terms as well as the fair credit act reporting guidelines to unjust treatment. This evening at XXXX XXXX  on XX/XX/2021, Amex offered to reinstate or review reinstatement if I just paid them $ XXXX more on an account. Given that the account is not due until XX/XX/XXXX and the payment was just made, I denied to do so, as none of the accounts are overdue or are above the credit line. There was no notification of adjustment to credit line either during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Re : Black Friday Appliance Sales Event. I applied for a credit line in order to purchase a full four piece appliance package. The credit line and the order went through without ANY published terms, notice of credit line or financing. I received several emails in sequence, none of which said what my credit limit was or detailed what ( if any ) financing options I had been granted. The next day I received an email stating that my order had been placed on hold. Upon calling into customer service, I was told the order was cancelled. Customer service then transferred me to CitiBank where my credit line was increased to {$4000.00}. I have good-excellent credit, so I was surprised that it was such a meager amount. I called the Home Depot customer service again and the service rep helped me reconstruct my initial order. The customer service representatives were all friendly, polite and knowledgeable. The bottom-line is : the {$4000.00} credit line was not enough to purchase the appliance package that I was trying to purchase and Home Depot does not allow consumers to split payment on appliance purchases. If I put in two orders, I lost the Black Friday savings - totally not acceptable. This is low life corporate scamming. This is corporate bait and switch. Essentially, the offers are set-up to entice consumers into opening a credit line, a small credit line is granted without giving the customer a chance to review the terms. Now I am stuck with a credit pull on a credit line that was useless to me to begin with. I will be reporting to the credit bureaus. Shame on Home Depot and Citibank for their endless greed and trickery with the American people.

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 2018-01-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to modify my loan for over 4 years now. I have submitted documentation time and time again to no avail. I requested an appeal based upon the last streamlined request for modification by XX/XX/XXXX. XX/XX/XXXX, I submitted the streamlined modification request however on XX/XX/XXXX, I received another forebearance with payments of XXXX which would be for 12 months AND a balloon payment of approx {$130000.00}! At which point, my representative was advised that there would be no guarantee of a modification. This was very perplexing and frustrating. 

All this time I was waiting I was excited for my family and myself because I actually believed the bank was going to actually review and come up with an affordable payment when I submitted the streamlined application. It appears to me that they did that only to make it seem like the bank was trying to help but they had no intention, especially not with those numbers and keeping the same rate of 7.45 %. 

I requested an appeal and as of XX/XX/XXXX, they had not received the request for the appeal however, my representative advised the SPS representative to please notate the account and he advised that he would. I still have not received a reply to the appeal. Then again, I do n't know how they are reviewing since I was not asked for my documentation. The NPV document did not have any information other than the value based on average sales of the property but no appraisal. 

It appears that the bank is going through the motions since it has been a long time that I made a payment. This was not because I did not want to but because both my mother and I had experienced a real hardship in XX/XX/XXXX. As I mentioned I reached out to the bank but they kept denying a modification and sending me forebearance with huge payments as a workouts. 

We purchased the home in XX/XX/XXXX, for $ XXXX, and the current principal balance is approx $ XXXX plus arrears. Had the bank allowed us an afforadable modification back when we started the request, we would not be owing so much in the arrears. Yes we had a major hardship, however, as time has gone by, our financial situation has changed, yet I can not refinance due to the negative impact on my credit. 

The bank will not lose money by modifiying my loan. On the contrary, since the loan amount is now over $ XXXX, they will be making more. If I sell the home, we would lose our family home and all it entails. 

We are requesting your assistance to ensure that our request for modification review is properly calculated and not have the bank continue to give us an unaffordable workout. We do n't want to lose our home and be displaced and end up homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. There are XXXX accounts just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2021 I sent Wells Fargo a request for Proof of Claim that they provided me with a loan regarding my XXXX. It was sent with a Cease and Desist, an Affidavit of Truth stating facts and an invoice for violations of the Truth In Lending Act. Mid XXXX I received a phone call from a Wells Fargo agent, XXXX XXXX, informing me that they received my request and will get back to me on XX/XX/2021. I then received a bill dated XX/XX/2021, despite the dispute ( violation of 15 USC 1692g ( b ) ). 

On XX/XX/2021, I sent an XXXX to XXXX. I received another bill with threatening and harassing verbiage dated XX/XX/2021 ( violation of 15 USC 1692g ( b ) and 15 USC 1692d ). On XX/XX/2021, I received a copy of an application and an agreement from the dealership from whom I purchased the car. However, I specifically asked for Authenticated proof of a loan. 

On XX/XX/2021, I mailed a Notice of Default describing in detail their billing errors and XXXX violations and giving Wells Fargo an additional 10 days to cure their violations. Today marks the XXXX day that Wells Fargo is in dishonor.

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 2018-01-23
Company: AES/PHEAA
State: WA
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:
I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Ive spoken to several RUDE representatives since Ive been dealing with this company for 9 months. Its unbearable! I make my payments every month they may be a couple of days late, but never too severe for the treatment that I get when speaking to someone over the phone, it makes me angry to even call in every month to make my payments, if the store wasnt so far I would just drive there to make my payments. My other concern is that Im making my payments, but my balance is increasing and when I call in to find out why theres the attitude Im getting from the representatives. Im stuck and I dont know what else to do. I just received an alert from my credit advisor and stated that my credit balance has increased by {$100.00} which has gotten my credit utilization up and its stating that my account is 30-59 days late which has now dropped my credit score. I am in the process of buying a home and this is going to hinder me from moving further. Its causing an emotional toll on me and its financially straining me. Im at the point of turning this over to my attorney to have him further investigate ALL of my issues and having him subpoena ALL of the calls and pursing legal actions against them. I just made a payment of {$85.00} and Im not understanding how my balance is still increasing. I am giving this 30-days to handle this situation, if not I will be forced to pursue with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested by letter for XXXX, XXXX and Equifax to validate the missed payment on three accounts with the Office of Attorney General. I received a response by email from XXXX and by mail from XXXX and Equifax by mail. That the accounts were verified as correctly reporting. All 3 credit bureaus reports are inconsistent showing sever missed payment on one case XXXX has reported XXXX  payments being missed. While Equifax reporting 5 missed payments and no other data received. XXXX reports has a 180 days pass due since XX/XX/2021 and all three agencies reporting different amount owed. The same inconsistency is report on the other two cases with the OAG office. I haven't received any documentation supporting their findings from the investigation. I had miss work and went to the OAG office for a print out of my payment history there was no missed payment due to the payment is being garnished from my pay check. I don't know how XXXX, XXXX XXXX and Equifax received the information I was told at the OAG office that they don't give out this information over the telephone without proper identification. Must be in person or a legal representative for the custodial or noncustodial parent in the case.

Company response to consumer: Closed with explanation