BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
America First has displayed an appalling disregard for the best interest of their customers by forcing checking account customers to upgrade to a " Premium Checking Account '' that charges a monthly fee unless you can maintain 3 different tasks ( 20 purchases a month, minimum {$500.00} direct deposit a month, and minimum average daily balance {$1500.00} a month ) that I personally wouldn't be able to meet any of. I looked through the email they sent me and then checked out their website too but no where does it say you have a choice to opt out. They're being deliberately deceptive, hoping customers will accept the fee and move on. I also feel a move like this is an act against those who are less advantaged - the average American can't keep a daily balance of XX/XX/XXXX, and many of America First 's customers get paid in cash only so direct deposit isn't even an option. Those customers don't have as much time to speak with someone or even look into their options, so they're effectively being strong armed into spending money that they already don't have enough of because they're not privileged enough to figure out how to not be victimized by America First. It's also offensive that many of their listed " benefits '' are literally less than standard bank " benefits '' XXXX no low balance fee? Unlimited monthly transactions? Really that's the best you could do? This is my cash, you have no right to stop me from using it XXXX. 

America First has every right to make the premium checking account an OPTION. To convert their customers against their will is immoral, corrupt, unfair, and in some cases abusive. I feel for those who don't learn that there's another option. I myself was feeling quite trapped because I have my auto loan and a credit card as well and you CAN'T pay either of those unless you have a checking or savings account. I thought I was going to have to close my credit card ( affecting my credit ) and refinance my auto loan if I wanted to avoid paying that {$6.00} fee each month. It also made me view that fee as a mandatory fee for paying my auto loan or credit card, which I'm pretty sure is illegal to give no free payment options. 

Until this I've actually been pretty happy with America First. I gladly used them instead of XXXX or XXXX XXXX until I found XXXX Checking and savings which get me a lot more money and benefits. I had a financial hardship with one of my auto loans years ago and they took great care of me which made me want to forever get my loan through them. That went away with this egregious behavior and I'll be looking much closer at other options next time I need an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
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: Account information incorrect

Complaint:
These agencies have dinged my credit twice this year, once in XXXX ( XXXX  XXXX XXXX account closed ) by 11 points and again last month 6 ( credit card balance {$160.00} ). I have access to {$15000.00} in credit and pay off balances each month, how the XXXX can they justify lowering my credit 6 points just because of a balance increase, it was paid off entirely as always. Same month my mortgage was paid, but I never get a credit for that. XXXX  XXXX XXXX confirmed that my account had not been closed but the 11 points never came back on my score. They are all crooks, I would not be surprised if the banks were in on it.

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 2020-05-29
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I've made every payment on this Custom Credit Line since it was opened, but due to loss of work from the COVID-19 shutdown, I was unable to continue making monthly payments. 

I'm self-employed but also have a part-time job, which stopped on XX/XX/20 when Gov XXXX ordered the non-essential business lockdown. Therefore, I was unable to continue making monthly payments of that amount. 
Since the shutdown, I've made 4 calls to have the monthly amount lowered as I can not make the current payments : XX/XX/20, XX/XX/20 ( 2 calls ), XX/XX/20. 
Each Citi " customer service '' person has been nastier than the next, not one offered to help. All treated me as if I was a deadbeat. Citibank acts like there's no worldwide pandemic or 33+ million unemployed in the US . 
XXXX suggested I send a letter to Citi Cards which I did on XX/XX/20 & to file a complaint with the CFPB.

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 2020-07-28
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid this debt with XXXX when I had an account with them. I never received an initial contact letter with CCS Collections and when I called them I could not get a hold of anyone to talk to. I disputed the debt on my credit report, but they began credit reporting without my ever having an opportunity to ever dispute the debt or show them that I paid this debt with XXXX. They need to remove the tradeline from my credit report immediately. I can not get a hold of anyone at the company to even explain my situation. I have mailed a dispute letter, but I literally have no way to communicate with them. This is nefarious and completely deceptive. How do you even dispute a debt is invalid if you can't talk to a human being when you call the company?!?!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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:
Received false and inaccurate information on my credit report that I have no knowledge of or have consented. This is hindering my current job benefits from access and I am in disarray.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX & XXXX & XXXX ALL 3 CHASE CC FILED IN MY BK XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2017-09-18
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is in regards to Citi Mortgage. I missed a mortgage payment in XXXX XXXX. I was struggling at the time. I asked XXXX XXXX if I could have that missed payment deferred to the end of the loan. Citi Mortgages response was " That 's not an option with the type of loan you have ''. I have a VHA loan. I have not missed a mortgage payment since XXXX. I have paid my payments consecutively. I have bank statements as proof. My husband and I have both become XXXX several years later after purchasing the home. We both receive XXXX benefits. I have tried to talk with them and they beat around the bush about everything. They claimed my only option was to refinance for 30 more years. Which is absurd. I mean who would do that after paying so long on a home. The other option was loan modification. They sent a book of papers to fill out. I can never reach my assigned representative whom is XXXX XXXX. My chief compliant is they are misapplying my funds to so called late fees, inspection, and appraisal fees. Nobody has been in my home to appraise it. When I call to pay my mortgage payment each month, they ask what would I like the funds applied to and I say my regular monthly mortgage payment. Now I receive a statement saying I am four months behind on my mortgage. When I call to ask Citi Mortgage why my statement reflects this, they say " Oh that XXXX XXXX XXXX  XXXX dollars was applied to late fees, inspection fees, and appraisal fees. '' Nobody has been in my home to appraise it. They have very unprofessional agents drive up to your home and take pictures of the exterior of the home, your mailbox, vehicles, and you may even be in the picture. They say they do this to see if anyone is occupying the dwelling. I find this a weird practice. The agents are dressed in tattered clothing with no name badge to identify whom they are. This is very unprofessional and one time the man they sent out came to my door in tattered clothing and jiggled my door and I thought it was a burglar. I just received a XXXX XXXX dollars check from them due to them exercising improper practices. I feel Citi Mortgage is a fraudulent practice. I asked them to send my original tool to show me where I agreed to their terms. I did not sign papers with them. My original loan was through XXXX bank and they have dissolved. Citi Mortgage bought our loan. Is XXXX even legal? I have read it is n't. I want to get to the bottom of this. I feel Citi Mortgage is fraudulent and their practices are appalling. I have n't made a payment yet this month because I want to know why they are misaplpying my funds. They have sent me a foreclosure notice that within 14 days they will pursue foreclosure. I want to pay my payments and they be applied to my monthly regular payment.

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 2020-11-25
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need to lift a freeze, but I can't login or reset my password via their website even though I have a valid email address and password. It simply keeps saying temporarily unable to complete this request. I have tried calling the phone number listed, but I just get a busy signal. I have tried to use the phone number to lift the freeze to no avail. I have spent four hours of my time trying to call or logon to this company 's website. Equifax has already lost half of America 's citizens personal information including mine due to their continued incompetence. All of my options of trying to contact this company have been spent. I hope congress acts to strip these credit agencies of their monopoly and punish them on behalf of consumers. I simply would like my credit freeze lifted and be able to either logon to the website or call to restore my account. This company has wasted my time, money, and has been careless with my social security number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AR Resources, Inc. (FL)
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have received XXXX calls about a debt that I supposedly owe in the amount of just above {$500.00} for an endoscopy center. The first time I was called was in XXXX of XXXX and they refused to tell me who they were and what they called about until I gave them my personal information. After giving them this information and asking what this was about I was rudely hung up on and told " Oh well it 's your credit being ruined. '' I received another call on XXXX/XXXX/XXXX by XXXX asking me to return the call about a letter sent, not stating who was calling or what it was in reference to. I called the number back and spoke with a young lady. Again, I was refused to be told who it was until I gave my address and last XXXX of social. I obliged and was told it was AR Resources calling about a letter sent to collect a debt. I explained that I did not get any letter about a debt and I would pay it up receiving said letter proving I owe. I was told " This is n't a business that sends bill after bill after bill. We need to collect the money before any further action is taken. '' I explained I never got a bill and to send me a bill, I was n't going to give someone money if they ca n't prove to me I owe the money. I was told they already sent it and they would n't send another. They would accept credit and debit cards over the phone at no additional cost. I told them I will not be paying anything until they can prove that I owe anything as I did not get notice of this. She then said " Fine I will send a bill, is that all? '' I said it was you who called me and once I receive a bill I will go about paying it as needed. The people that work here are VERY rude and have no sense of any type of etiquette when speaking to someone over the phone. They attempt to collect debts yet refuse to prove the people actually owe the debts. How is this proper business tactics?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I've had this credit card for almost 10yrs now. I started at {$300.00} XXXX credit limit, over time that limit has increased to {$1900.00}. My credit limit has not been increased over 2yrs. I have perfect payment history and great credit - XXXX credit score. I've tried twice now to get a credit limit increase and was denied. I have two credit cards- one with a $ XXXX limit and the other at $ XXXX limit. I feel this is discrimination because I'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I want to appeal the decision cashapp did not contact me about the money they keep playing games I know they r stealing and I can prove it I don't understand the role cfpb played in this bogus response they violated their own terms of service they lied about the money recipient has tried to refund payment but cashapp says insufficient funds how can u have a balance of the money on screen but insufficient funds wen trying to use funds. I don't except decision because it's based on fraud and possibly criminal behavior not only do I want my money back I want punitive damage of {$5.00} a Day that they willfully and knowingly kept me from my own money due to shady practices. I'm also contacting the JUSTICE DEPARTMENT SOMETHING IS DEFINITELY WRONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home ( condo ) approximately 20 years ago. My originating loan was with XXXX XXXX. Approximately 6 months ago my loan was sold to Rushmore Loan Management Services ( RLMS ). 

I received correspondence from RLMS requesting proof of insurance which I sent proof of the Master and Flood policies. These are the policies that was required in my originating loan and satisfied XXXX XXXX for 20 years with no issues. 

I received my RLMS Mortgage Statement for XXXX and they added {$150.00} to my monthly loan payment for Insurance. I called and they stated that I was required to have H06 coverage. I explained that the condo unit is on the 7th floor of a concrete building. The building is covered in my master insurance policy. I will take responsibility of the inner walls that are also constructed of concrete. I explained that my loan did not originate with them and they should of never purchased the loan if it did not meet their standards. 

RLMS Agent stated that they could not help me or explain how they could change the requirements or terms of my original loan. They said my only recourse was to write a letter to their loan department. 

As of this date I did make ( 1 ) payment with the additional amount until I can resolve issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
One day before their XXXX went live on the stock market Coin base logged me out of my account and claimed my credentials didnt work any. They claimed my number I file was incorrect ... untrue! 

So they XXXX  me around a couple weeks and I did everything they asked of me ... .then they stopped communicating with me. I filed a complaint and then one with XXXX  ... still totally in the dark ... I have {$500.00} worth of assets!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We paid off our car loan last week ( to get ownership of the paper title so we could sell the car to a new owner ). This week, Chase still debited their monthly payment from our checking account.

We have been trying on the phone for three ( bleeping!! ) hours now to get them to turn off that XXXX automatic payment. They keep transferring me from person to person and telling me I need to do it on the website, but on the website there is no account access because it lists the account as closed. 

As far as I am concerned they are making it impossible to cancel the automatic payment, while acknowledging the loan is completely paid off. That is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: BARCLAYS BANK DELAWARE
State: WA
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 have a Barclay 's Arrival Plus MasterCard that I pay an annual fee to earn travel dollars. I currently have over {$300.00} in travel dollars to redeem. Because of COVID, I am unable to redeem the miles for travel and they are due to expire soon. I contacted Barclay 's via telephone around the first of XXXX ( the gift cards were purchased on XX/XX/XXXX ) and asked the customer service representative if I could purchase travel gift cards with my travel miles. I was assured by the CSR that as long as the gift cards were purchased through the airline and showed up on my statement with the airline 's name that I could redeem my travel points. Now they are denying the redemption of my points. There should be a recording of our phone conversation and the CSR should have noted this conversation in my customer file. After calling them and recalling this situation, they responded with a letter denying the redemption of my travel rewards.

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 2023-06-23
Company: EQUIFAX, INC.
State: MO
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 am submitting another CFPB Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I strongly disagree with their findings and demand utmost accuracy. I am extremely dissatisfied with the apparent lack of effort in reaching out to the creditors responsible for reporting this information on my report. Consequently, I now demand more comprehensive information concerning these specific items under question : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # XXXX XXXX  XXXX Bankruptcy Reference # XXXX. The Credit Bureaus are required to provide me with the names and addresses of the individuals contacted within a strict timeline of fifteen ( XXXX ) days from the receipt of this letter, unless the Credit Bureaus inform me otherwise. Failure to verify within this time frame will be deemed as non-verification, necessitating the immediate deletion of the items as mandated by Section XXXX ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
on XX/XX/2018 I called Transunion. The customer service would not help and take care of the negative inquiries reporting to my credit report.

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