BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by my insurance company not to pay the bill. They requested information from the Dr office several times to process the claim and they never sent it. The Dr office said they was not going to send any other information to the insurance company. They sent me a copy of my records and told me I could send it. The insurance company does not accept information on the claim from the patient. I should not have to pay this bill since I had insurance and the Dr office failed to provide the requested information to process the claim.

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 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a few credit cards with Bank of America. Every month the Closing date changes and I'm having difficulty trying to make sure that I pay my cards on time. I have a few other cards and I schedule them to be paid on a specific date each month. BOA is the only company that changes the Closing date each month and I never know when my credit cards are due. 

As an example : the closing date for XXXX was XX/XX/21 ... but the Closing date for XXXX is XX/XX/21 ... that's only a 25 day period. It seems like interest charges are calculated on the 25 day period instead of a 30 day period ... Is that even legal? ... seems to me to be usurious ... 

Why does BOA change the closing date every month when no other banks do so? 

From speaking with a representative I was told that a lot of customers have the same issue. It seems like this is a ploy by BOA to confuse their customers so they can collect Late Fees. I know that might sound outrageous/crazy but if the closing date floats then how are customers supposed to know when their payments are due? ... Further, why is the closing date less than 30 days? ... I don't even get 30 days to make a payment ... 

Something is very wrong with how BOA is operating. I don't know if what BOA is doing is legal .. Maybe I'm wrong about this but it seems like BOA is defrauding their customers. It's customary in banking to allow for 30 days to make payments ... I'm sure BOA makes a lot of money on those extra 5 days.

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 2018-06-13
Company: Collins & Hilton Asset Group, LLC
State: NC
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 NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO COLLIN ASSET GROUP THAT I WOULD NEED TO CONTACT THEM .COLLIN DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.

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 2019-01-05
Company: DISCOVER BANK
State: FL
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 customer service

Complaint:
I have found that Discover has been charging me interest from 2 different time periods. Neither of these times is a Cash advance. 

They charge interest on the whole balance for XX/XX/XXXX to XX/XX/XXXX Then a different interest rate from XX/XX/XXXX again on the whole amount. 

Now during the first time period didn't I pay the interest that was due for that time, on the balance then? Why is it still being charged? They are able to collect past interest rates on today 's balance? 

How can I be charged interest from then on today 's money? Plus interest on today 's money as well? 
I have sent emails asking them to explain this but they did not respond at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: LA
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:
This is my sixth letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/2020 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A. On XX/XX/XXXX I purchased a Business Education and Training Program called XXXX  XXXX XXXX XXXX called XXXX. I purchased training packages and the permission to sell the packages. I paid {$60000.00} for the program and charged {$7500.00} on a BAC Credit Card as XXXX XXXX XXXX, on XXXX I charged {$4500.00} on the same BAC card for XXXX XXXX XXXX NC.. On XX/XX/XXXX XXXX was shut down by the FTC. All XXXX communication and Websites were shut down and remain shut down. Therefore I was unable to sell or get any additional training. On XX/XX/XXXX I notified the BAC dispute department of the situation. They mailed me a from on XX/XX/XXXX and I completed it and sent it back on XXXX XXXX. Since then I have been going back and forth with BAC to send more information and I have submitted information each time. As of XX/XX/XXXX BAC sent me a letter stating they wont continue the dispute because the didnt receive a breakdown of the charges. I submitted a detailed breakdown. This issue is about services unfulfilled. I did receive some of the services : XXXX XXXX XXXX XXXX NC the only items I received from this program was XXXX ( XXXX ) coaching sessions out of XXXX ( XXXX ) which is about XXXX the of the program. Which is XXXX X {$7500.00} = {$1000.00} disputing $ XXXX $ XXXX {$6400.00} XXXX XXXX XXXX XXXX NC I did receive the XXXX ( XXXX ) day seminar, a Private XXXX and a Webinar which is 64 % of the program. Disputing {$4500.00} X 36 % = {$1600.00}. 
I have attached copies of the credit card invoices.

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 2022-08-08
Company: Westhill Financial
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
They have been harassing me saying I owe a debt from a check that came out of a closed bank account 4 years ago and even contacted my employer, through a customer service line stating they were a customer, and then released information to a random employee stating that they are making a decision on my behalf with or without me and told said random employee I needed to contact them after telling this employee all of my information!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-11-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage company double charged me and now are attacking my credit with past due every month hurting my credit score. Also, I told them I was laid off for Covid and they still keep hitting my credit score every month. I even went so far as to say put it on the back of the loan and stop hitting my credit score every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My XXXX account was sold to XXXX financial. Recently my card has been declined for simple transactions even though my account is paid in full every statement. 
Since XX/XX/XXXX, I have called their customer service number several times each day, and they kept me on hold as long as I could stand it ... .up to one hour! 
XXXX. I can not get through to them for an explanation. 
Please help. The bank that sold their credit accounts said they couldn't help.

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 2020-12-14
Company: EQUIFAX, INC.
State: IL
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:
ve been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Performance Settlement, LLC
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1st complaint-Date:XX/XX/2018 Amount : {$830.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX 2nd complaint- Date:XX/XX/2018 Amount : {$400.00} Action taken : I disputed with XXXX Credit Bureau because its reporting inaccurate information. I disputed it and they are stated it was verified as accurate. There is no documentation with my signature that I owe this debt and I've never had any business relation with this creditor. Dispute file # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
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 status incorrect

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: WA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$990.00} past due as of XX/XX/XXXX. 


filed ftc 60 days ago

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has been attempting to charge and collect amount from me by assigning this account to a different persona. I have made my part by reaching out to them and to the 3 major Bureaus. But to my surprise, I have not received any response from both parties. Thus, their act of negligence is highly not acceptable. I have made my research about this matter and by then the Bureaus have violated the Credit Reporting Act, 15 USC sections 1681i within the time set forth by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Made payment on XX/XX/2019 to XXXX XXXX, serviced by Synchrony Bank. 

Payment shows as 'Processed ' in Payment History, however not reflect in account balance On phone with Synchrony about their issue and asked them to add XXXX to the call. XXXX agent very helpful and told me he had fielded numerous complaints of this type Screenshot attached as of XXXX XXXX XX/XX/2019

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Square Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I did a transfer cashed out from my cash app account into another merchant account because cash app closed my account with puse knowledge to me so they asked me to cashed out my funds to another merchant account so I did on XX/XX/2020 and the other merchant rejected the funds because the money was trasferencia into my debit card instead of direct deposit account my debit card doesnt now allow deposits so the money was reversed back to cash app and the funds are not showing up in my cash app account the balance keeps saying XXXX and the funds that Im looking for is {$11000.00}. And it has been over 30 days now and I have tried to reach out to them via emails and I keep getting the same massage back and forth saying that my account is closed and that it has been more than a week so they close my case thats the email I keep getting repeated every time I contact them. And I want this matter resolve is my funds money that was sent to me by the government for my unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit to Coinbase wanting to exchange USD to buy Litecoins ( LTC ) using my XXXX credit card {$50.00} which is issued by XXXX XXXX XXXX XXXX XXXX XXXX. I later transferred {$500.00} from XXXX to Coinbase. Both were lengthy processes taking over a week or two because to set up ACH transfer you need to respond back and forth with a security code and set up amounts to prove and security the accounts back in XX/XX/XXXX. I did this verification and finally in XX/XX/XXXX I observed the transaction on my Coinbase account as XX/XX/XXXX & XX/XX/XXXX, and from electronic statements from XXXX. My problem is Coinbase double billed both amounts, the {$50.00}, {$500.00}, and a {$10.00} fee. I called XXXX about this and they said it was all requested from Coinbase. I call Coinbase and they say it was a glitch on XXXX / XXXX end. There's a ton of complaints on the internet about Coinbase double billing clients. I call Coinbase XXXX and corresponded with Coinbase via XXXX. Wrote them : Coinbase, Inc., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. They say they have it as top priority to refund my money, but it doesn't happen. I have made multiple attempts, even provided copies of my XXXX statements. Nothing happens. They say it takes time because they can't correct quickly because of security and all transactions must be slowly & carefully handled. This is nearly 3 months. I will try to attach images of my XXXX  statements. When you contact Coinbase they will ask you for my full name : and email address. Their transaction account information is on the XXXX statements. They have a file under my account about this matter, because I request, and they acknowledge each time I talk to them on the phone. Actually they say you are only supposed to use the phone only if your account has been hacked or breached and use the Coinbase email support on all other matters, but they never reply, just a robot acknowledgement. Thank you for helping me. I got your contact information by reviewing Coinbase complaints on the internet. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: HUNTINGTON NATIONAL BANK, THE
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
a bank cashed a check with my name on it and the banks name. The bank is in another state so I mailed the check to them to endorse it. check was sent to me from auto insurance company for theft of my cars wheels tires.. the bank cashed the check and did not send it back to me .. I wrote a letter that I need the bank to endorse the check to pay for the wheels tires.. is it legal for a bank to cash this check with out my endorsing? 

the bank took my payment for loss, and put it on the loan balance now I do not have that payment to buy my wheels.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Revenue Assurance Professionals LLC
State: TN
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:
This company has reported on my credit without proper validation. I do not have a contract with this company. I need proof of Hipaa authorization transfer to this company and proof of signature, NOT JUST A BILL. 

Amounts : {$550.00}, {$870.00}, {$280.00}, {$290.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation