BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I guess I must have pretty good credit as I regularly receive offer for a balance transfer at 0 % APR. I received one in todays mail from Citi for a 0 % Promotional APR until XX/XX/2022 with a balance transfer fee of the greater of {$5.00} or 3 % of the amount of the transaction. 

I have 2 problems with this : 1 ) The banks seem to all be operating in lock step with respect to the transaction fee. I was under the impression that something called anti trust should prevent this degree of collusion.

2 ) The bank is clearly giving the impression that for the given period no interest will be charged when the transaction fee is an interest rate. OK, it's not an APR but is this kind of XXXX permitted? In Smiley v Citi when the shoe was on the other foot the bank successfully defended its late fee policy as an interest rate which therefore could not be regulated by the debtor 's home state. 

So I wondering if you people can suggest a remedy or even comment on what appears to be collusion and false advertising.

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 2020-10-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the  Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-05-06
Company: Byrider Franchising, LLC
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account has been overdrawn since XX/XX/XXXX. I have no used my card since due to the overdraft and even took off my recurring payment to my credit card company using their mobile. Bank of America still processed the payment although I took off the bill pay for it, and charged me an additional {$35.00} on top of all other fees. They did the same of my life insurance payment and they are still charging me overdraft fees. I have contacted them a number of times since XX/XX/XXXX, was on hold and being switched back and forth to multiple people for 2 hours straight. And still no one has helped me. I did took off the credit card payment and XXXX  still refuse to refund me my {$35.00} and I took of the life insurance payment and still the same. They are stealing money from me and expect me to pay back money for transactions I never even processed knowing I have XXXX balance in my account. They are robbing me and refuse to help./ I have complained to several supervisors who has done nothing to help me. They just transfer me back and forth. Please help I want to sue them if this continues to happen.

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 2021-06-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NH
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:
In XXXX my wife and I were on a forbearance plan. Once we successfully completed that, we entered into a repayment plan with XXXX XXXXXXXX XXXX and starting paying to them immediately when instructed to by the agreement. This started in XXXX. According to our new mortgage holder ( this was apparently switched over to CLS from XXXX unknown to us in XXXX ), Community Loan Servicing ( CLS ), we never made a XXXX payment. This has decimated my credit. It has put our application for a equity loan on our home on indefinite hold. We were also planning on refinancing, and several letters received by Community Loan Servicing via certified mail that our home would be entered into a foreclosure ( Notice of Default and Intent to Accelerate ) on XX/XX/XXXX, as well as on XX/XX/XXXX. These letters have caused so much undue stress to our family that I have been prescribed sleep medication to help deal with my anxiety about potentially losing our home. I have missed several days of work due to my XXXX. 
As you can see from the attached, we did in fact make XXXX 's payment according to the payment plan on XX/XX/XXXX. ( XXXX 's payment was, of course, made on XX/XX/XXXX of {$3100.00} ) which was the start of the repayment plan. We have also made every subsequent payment, on time, including this XXXX 's payment. 
I have already asked CLS to make note of this and report to the credit companies their error, but they refused. My credit is still damaged and my health is suffering due to my anxiety and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express Debt Collector XXXX XXXX XXXX. Called me numerous times at work. The following times that the company called me at work are as follows. XXXX, XX/XX/, XX/XX/, XX/XX/ and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I was out of country between XX/XX/XXXX and XX/XX/XXXX.

My credit card started being charged for fraud charges and I reported these charges to chase. I advised chase that I am in XXXX and I have not many any transactions while here.

Chase at first credited my account then 2 weeks ago took back the credit stating they think the charges are valid. I have filed a police report and have done everything on my end to prove that Noone on my account made any charges we were in India for the past 4 months.

I have attached a copy of the police report and want chase to credit my account back for the fraud charges and the interest incurred

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: M&T BANK CORPORATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MT Bank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-03-23
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
California Check Cashing won't leave me alone. it's out statue of limitations. They even stocking me. I have a private number. Only one has that number is my Doctor 's only. How they got it they won't say. Breaking privacy act what they doing. Stocking a person against the law. They doing illegal business for doing that. There's a phone call today where a man was threatening me with body harm saying from California Check Cashing. I hope they put this up everywhere. 

My attorney will love this one. Threatening me, Stocking me, Getting private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Elevate Recoveries, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
TODAY : XX/XX/19 I RECEIVED A THREATENING PHONE CALL ABOUT A MEDICAL DEBT THAT OWE FROM A REPRESENTATIVE AT ELEVATE RECOVERIES. I HAD NO IDEA THAT THE DEBT WAS EVER OWED DUE TO THE FACT THAT I MEDICAL INSURANCE COVERAGE AND HAD NEVER BEEN CONTACTED ABOUT THE DEBT IN THE PAST. I ADVISE THE REPRESENTATIVE THAT ONCE SHE SENDS THE STATEMENT TO ME IN THE MAIL I CAN PROCEED TO LOOKING OVER MY FINANCES TO SEE IF THIS IS SOMETHING THAT I CAN AFFORD TO PAYOFF OR MAKE PAYMENTS ON. SHE BEGAN TO BADGE ME OFFERING SETTLEMENTS, ADVISING THAT THE ACCOUNT WOULD IMPACT MY CREDIT, AND JUST REFUSED TO ACCEPT THE FACT THAT I WAS NOT ABLE TO PAY ON THE ACCOUNT AND I HAVE NO KNOWLEDGE OF EVER OWING FOR THIS DEBT. I ASKED THAT SHE REMOVES MY ***CELL PHONE NUMBER*** FROM THEIR DATABASE, SHE PROCEEDED TO BEING VERY CONDESENDING, PRACTICING DECEPTIVE COLLECTING ON MY ACCOUNT, SPEAKING OVER ME AND TELLING ME THAT SHE WOULD CONTINUE CALLING ME ABOUT THIS ACCOUNT BECAUSE I OWE THE DEBT. SHE WAS RUDE, YELLING, AND KEPT REMINDING ME THAT I OWED THE DEBT AND BECAUSE I PROVIDED MY CELL PHONE SHE WOULD CONTINUE TO USE IT. WHEN I ASKED FOR A SUPERVISOR SHE SAID THAT NO ONE WAS AVAILABLE AND EVENTUALLY JUST HUNG UP ON ME. I CALLED BACK SPOKE WITH A SUPERVISOR AND HE TOO KEPT BADGERING ME ABOUT PAYING OFF THE DEBT. HE OPENLY ADMITTED THAT ELEVATE RECOVERIES **DOES NOT REPORT TO CREDIT BUREUAS** ; I ASKED IF YOU DO NOT REPORT TO CBR ; WHY ARE YOU ALL USING THAT AS A REBUTTAL TO SCARE P [ PEOPLE INTO PAYING THESE DEBTS? HE SAID THAT WE JUST HAVE TO MAKE CUSTOMERS AWARE. I TOLD THE SUPERVISOR, IF YOU ALL ARE NOT THE ONES TO DO ANY REPORTING THEN THREATENING ME TO PAY BECAUSE ITS IMPACTING MY CREDIT IS A DECEPTIVE COLLECTION PRACTICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/2018 I reached out to Experian, Triple Alert to cancel a credit monitoring service. It was next to impossible to find the number to call - they make it extremely difficult to cancel. I finally received an email with a customer care number ( see below ) : Customer Care Contact Information Phone : XXXX Hours : Monday-Friday from 6 a.m. to 6 p.m., Saturday-Sunday 8 a.m. to 5 p.m. Pacific Time Email : XXXX Your Membership Number is : xxxxxxx After being on hold for 30 minutes, I was told I need to call another number and proceeded to hold another 5 minutes. After calling the new number XXXX XXXX XXXX, I was told they could not find my account. This is a shady business practice, designed to collect {$4.00} per month from consumers indefinitely. The third number XXXX XXXX XXXX put me on hold for 9 minutes. The representative redirected me back to the XXXX number. This is a scam and very poor business practice. I am disputing the charge with the my credit card company. 

I never did get resolution. The customer service rep told me to dispute the charge. However, this is a recurring charge so not sure how I'm supposed to dispute it EVERY month.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to fix this problem with XXXX for almost a year they have been reporting this account on my file and violating the fair credit reporting act and debt collection act. I called the orginal creditor where it supposedly came from and talked to XXXX They do not have the orginal contract bearing my signature like I asked. So how can XXXX collect on this debt when the orginal creditors doesn't have a contract. I never recieved any letters giving me my right to dispute. Even though they said they did but refuses to give me the address they sent the letters to they will not work with me i have tried calling and everything but I got hung up on by one of their associates they are violating my right to dispute this information on my credit file. Experian also verified this information but I find it hard a company can verify without the proper documents that shows me they didn't do a proper investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: WELLS FARGO & COMPANY
State: NE
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:
Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.

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 2019-04-08
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 have submitted multiple documents to Equifax in effort to resolve this issue ... XXXX XXXX is reporting on my credit file with Equifax and Equifax only ... .they claim that it was verified yet neither of the other 2 bureaus were able to verify this fraudulent account. I asked for the original contract with my signature on it ... ..for proof to validate this account ... .Equifax told me that they don't have to provide proof ... ..According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have sent in document after document which I have record of that this account is being reported incorrectly and or fraudulently. Equifax are some law breaking XXXXXXXXXXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-05-06
Company: SELECT PORTFOLIO SERVICING, 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: Old information reappears or never goes away

Complaint:
Company- Select Portfolio Servicing , Inc . 
XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX I was notified that my credit score had been significantly lowered due to an item reported from Select Portfolio Servicing. I filed a dispute with XXXX challenging the item. 

XX/XX/XXXX I receive a response from XXXX indicating that the investigation had been completed and Select Portfolio Servicing indicated that the item reported was correct. 

XX/XX/XXXX I wrote Select Portfolio Servicing and included an image from my Credit Report showing the credit report item being challenged and explained that in XX/XX/XXXX there was a divorce and my ex-wife retained the house and responsibility for making the payments. This item had never appeared on my credit report and was only added within the last 30 days. 

XX/XX/XXXX I researched the credit report and learned that loan had been modified under a Federal Government Plan. On this date I wrote Select Portfolio Servicing and requested that they provide me proof of being a signatory party to the loan modification. 

XX/XX/XXXX I wrote Select Portfolio Servicing and provided my Social Security Number and the address for the mortgaged property. Again, I requested that Select Portfolio Servicing provide me proof of being a signatory party to the loan modification. 

No Response has been received and the item is still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: BB&T CORPORATION
State: KY
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:
I incurred over XXXX in FRAUD on my account which BB & T never once told me as it was happening. They tried repeatedly to tell me it was my fault that someone was buying XXXX cards and other fraudulent activities. Until I got the right person after months of phone calls to their XXXX #. They did not inform me as it happened daily and let the account go into a {$3000.00} overdraft and still did NOT inform me. I am a XXXX mom of XXXX teenage kids. I had to fight to prove it was fraud. After months of struggling financially due to their data breach and own negligence, they now tell me I'm responsible for the massive overdraft due to their mishandling of my account allowing over XXXX dollars to disappear out of my account over a period of 5 weeks. I am on medication and barely able to function with the stress they caused 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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is now being reported again

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