BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-28
Company: CITIBANK, N.A.
State: MI
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:
On XXXX XXXX, XXXX it was brought to my attention that Citibank had made a negative reporting and closed my secured account. I made a call to customer service and shared confidential information about a serious illness that I was hospitalized for in XXXX XXXX to respectfully disclose the reason for my late payments. I requested that I be allowed to make up the payments and that late fees be waived due to the reason for my late payments. I was informed by the rep that even though I was a customer and that all payments had been made on time up to the point of being ill, that my illness would not be taken into consideration and that even if I paid my account balance in full, that my account would not be re-opened. I spoke with an account manager who attempted to remove late fees due to the reason I was late with my payments but was informed that the bank would not allow any waivers. The account manager did inform me that the balance to clear the account was {$140.00}. 

I am making the account payment of {$140.00} to full fill my financial responsibility to Citibank. Also I am writing a letter directly to the Citibank to express further concern. 

To resolve this matter I am requesting that Citibank remove the negative rating that they originally sent to the three credit bureaus even if they have to delete the line of credit. The way it reads currently is extremely unfair and punitive because I became ill unexpectedly. 

I look forward to hearing from you in the near future. 

Best Regards, XXXX XXXX

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 2021-10-20
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife attempted to close our checking account and checking line of credit at the XXXX VA branch of Wells Fargo. It was explained to her the amount for full payoff of the small remaining balance would be taken from the checking account and used to make the full payoff. This was about {$3.00}. The branch failed to do this in XXXX and as of the beginning of XXXX, my wife and I were notified of a massive drop in our credit score ( now approximately 100 points lower for both of us. ). 

Wells Fargo incorrectly closed our accounts ( never actually did this ) and resulted in more interest on the account and an incorrect and false late payment negative report to the three credit bureaus. The amount of payoff in early XXXX was {$4.00} which I paid in full and closed the account ( again ). The account is still open as of today XXXX XXXX with a balance of {$4.00}. 

I filed a complaint for the incorrect, inappropriate, and negative report on our credit. 

I filed disputes with the three credit bureaus as well. 

I'm XXXX XXXX military with a security clearance and this negatively impacts my work. My credit history is EXCEPTIONAL save for this report on {$4.00}.

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 2019-04-19
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notice from XXXX XXXX that a debt collection had been added to my account, thereby substantially impairing my credit. I dispute this debt ; I paid my bills regularly for the almost 20 years that I lived in Ohio. This is apparently a claim that I owe {$69.00} to a utility company, XXXX XXXX XXXX I have not been a customer of this company for almost two years, and received no written claim or verification. I want this removed from my credit account immediately. This feels like a scam created to coerce money from me by ruining my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: AES/PHEAA
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was in default in my student loan so I had to go through a rehab program. I did so very successfully. Then I was put with XXXX. For the first year things went okay. I had an IBR plan. Then for the second year I resubmitted my application, but didn't get a response for MANY months. In the meantime they expected me to make payments that far exceeded what I could pay. I never heard back from them regarding my IBR application. My loan has again gone into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I went to the XXXX XXXX XXXX XXXX CA Chase bank to cash a check. The teller told me they needed to charge me a {$10.00} fee because my profile with Chase has a credit card which is in Charge-off status. They told me this in a voice where my neighbor who was in line behind me could hear. After fighting with the teller who was then joined by two other tellers, I was told the manager was in a meeting and could not come to the counter, I was finally given the complete account number for the account in question. I researched the account in my XXXX then located the paper statements in my hard-copy file ; the account turned out to have only been open for three months in early 2015. All payments were made on-time and the final statement balance was a credit of {$120.00}. I have never had an account in charge-off status my entire life. 

Chase is attempting to defraud me by charging fees to cash checks because they have erroneous and derogatory information about me their system. I have now spoke with four different departments at Chase bank and no one seems to know how to fix the erroneous information about me in the Chase system.

It is not right I have to pay a fee to cash a check at Chase bank when I have two existing accounts with Chase, but because of some erroneous information in their system, which no one seems to be able to fix, I am being targeted to pay extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-06
Company: Experian Information Solutions Inc.
State: IN
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:
EXPERIAN AND XXXX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX XXXX XXXX ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NOXXXX. 

AND XXXX XXXX LOAN NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY

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 2017-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America has been charging my savings accounts a monthly maintenance fee even after meeting requirement as stipulated to me ( i.e. maintaining a direct deposits from my checking to savings account each month ). Spoke with the agent, she say the rules have changes now - but Bank of America never informed me about changes and agent also confirmed that I was not sent a notification. I would request these fees to be reimbursed to me and close my savings accounts. The agent was unable to process refunds due to her access limitations.

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 2021-10-20
Company: Caliber Home Loans, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have 2 mortgages with Caliber Home Loans. I pay extra on my mortgage every month that is to be applied to the principal. However, Caliber doesn't apply the extra to my principal. I have made multiple calls, wrote a letter and let them know in surveys I have taken. I received no response to my letter ( letter attached ). When I call every month, they say they will fix it but has you can see from screenshot attached it just makes a mess out of my online account sheet and I can't determine what has actually been done. I have paid an extra {$2000.00} every month this year that was supposed to be applied to principal. I don't see where this has been done each month. The last representative I talked with last week said she would send me a detailed account statement, I have not received it. 

I didn't have this problem with Caliber Home Loans until I refinanced my mortgages last year. The one solution I received was to put in my bank information into their online website and they would pull the funds directly from my bank account. I have always paid my bills through my bank 's bill-pay system and prefer this method. Due to security reasons I will not put my banking information into online sites and give a company access to pull funds out of my personal accounts. 

I have consistently paid {$2700.00} each month. That's {$710.00} Mortgage payment + {$2000.00} principal. If you look at the screenshot of my account statement you will see that it hasn't been processed correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have proof of a successful transfer from my XXXX wallet of XX/XX/XXXX of XXXX at XXXX in the amount of XXXX to XXXX however, XXXXXXXX  has not deposited said amount. When talking to XXXX XXXX  customer support they confirmed my transaction and said I need to discuss it with XXXXXXXX I have made several attempts to reach out to their customer service. I even created a twitter account to try to reach out to their customer service and I have never received a word about my complaint. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: SYNCHRONY FINANCIAL
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:
I have reached out to XXXX XXXX for my Walmart Master Card account on  numerous occasions in the last few months. I have been a customer of theirs since 2013, and this XX/XX/XXXX experienced a severe amount of bank and identity fraud while my husband was hospitalized. A nurse on the unit had stolen his wallet and used his information and identity to open accounts, as well as access our checking account.

On XX/XX/XXXX my husband XXXX XXXX. It was not until after his XXXX that I was made aware of the fraud that had taken place, and was not in a position to handle it at that moment. However, I maintained contact with XXXX XXXX/Walmart attempting to make payments. Due to the fraud, our bank ended up returning 2 payments that I attempted to make. I reached out to customer service to explain the issue and was told to make payment in the store. I attempted to and was told payments were not being accepted ( holiday weekend ). At this point my only other option was to open a new checking account, transfer funds to it, wait for the funds to become available, and then make the payment again. Again, during this time I stayed in full contact with customer service to explain what steps I was taking and was assured no adverse action would be taken. I made a payment to my account at that time, for much more than the minimum required, and came to find that they had already closed the account.

At this time I reached out to customer service again, and was told by a supervisor to fax proof of the fraud and they would reopen the account. I was told today that this was not even possibility and I was essentially lied to. I need 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 monetary relief
Consumer complaint received 2017-12-28
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in the Public service loan forgiveness program through fedloan services since XXXX of XXXX. Since then I have made on time payments that should qualify towards the 120 payments that I need to make. I also have made several previous income based repayments on my loan that should qualify towardsthe 120 but they are also being denied. I recently received a bill this month amd it stated that I have only made 2 qualifying payments. On another statement it said that I had 9. By now I have at least 15 payments since being on the PSLF program plus the additional paymemts that I have made that also qualify. I have reached out to the company with no response other than to continue to give me the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: MD
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 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 Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my XXXX children.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: JPMORGAN CHASE & CO.
State: TX
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:
The company in question stated that at the moment of final payment a certain amount was owed that I was not aware of. I received a late payment mark on my credit report. When I tried to resolve the issue by paying in full I requested for them to remove the late payment mark on my credit as well. The response I received from the company was that it was out of their department. I could still pay the payment and the company was willing to accept payment however they would not remove the late payment. At this point in time, the account has been paid in full but I still have late payment marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
This is my second complaint against the bureaus. They are being ticky tacky about things so I guess I will be to. Since they want want to specific disputes I guess I will list all of them kind of stupid since they already know them .Here the list they wanted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX XXXX XXXX XXXX XXXX XXXX All of these are over XXXX XXXX XXXX and need to be remove from my credit reports. I dont know what other information they could possibly want at this point.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Yes its against PayPal they will not give me my money XXXX. They put a limitation on my account XX/XX/XXXX and said they was closing my account and was going to hold my money for 180 days well 6 months later XX/XX/XXXX I call to get my money out and they said they was going to hold it for another 180 or unless I get a court order cepena well I wait the 180 days and in XX/XX/XXXX of this year I contacted them and now there saying they are holding it for another 180 days. This is not right there privacy policy says after 180 days they will send a email telling you how to withdraw the money, it doesnt say they will keep it for 3 straight 180days, I want something done cause that money came from the Georgia Department of Labor COVID pua relief money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A dispute was filed for a transaction in the amount of XXXX on XXXX XXXX I believe is the date, XXXX is the merchant name, this an XXXX purchase. This was paid by myself for a purchase made with my mother 's XXXX account, not my own. An XXXX XXXX was ordered, advertised as unlocked. When item arrived, it would not work as it appeared it is not unlocked as advertised. My mother filed a dispute with XXXX on her end as again, it was purchased under her XXXX account. Item was returned, a tracking number provided. However, my mother is elderly and the incorrect tracking info might have been provided to disputes team. A temporary credit was provided and later reversed, disputes team requested information from a third party stating item is defective/would not work. The item was already returned back at that point, tracking number was provided as stated before. The rep, XXXX, replied back stating he is closing dispute and reversing credit, will not reply back to messages via secure inbox. Needless to say, this rep is rude and uncooperative. The credit was reversed and my account is now overdrawn because of it. I wish to reiterate that item was returned, tracking info might not be accurate as my mother is elderly and easily confused. However, item was not as advertised as it was not unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Financial Recovery Services , Inc. Financial Recovery Services , Inc has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Truth to Financial Recovery Services , Inc . They received it certified mail and signed off at XXXXXXXX XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.

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