BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have been a Bank of America ( B of A ) credit card holder for almost 20 years. Each month, for those many years, my credit card minimum amount due has been paid - automatically - from my checking account with a different bank, and I have not had any problems until approximately 3 months ago. 
At that time, I received notice that my account was " past-due '', and I was going to be assessed late fees of approximately {$27.00} - all the while assuming my account would be paid the minimum amount due, automatically, as it had been for years. I contacted B of A customer support - multiple times - to get this straightened out, and was eventually told that their previous auto-pay setup was via a program called " XXXX '', and that was ( or had just been ) phased-out, and replaced with a different B of A system. I was then told that their " new '' payment process did not allow the setting up of monthly " minimum payment due '' amounts - only the full balance due, or some pre-set " fixed amount '' payment could be made. 
The impact of that decision ( for myself and other similar B of A customers ) is that if I were to setup a fixed amount of, say, {$100.00}, and then in the course of the next month, added additional charges to the account, the minimum amount due would then increase above that {$100.00} fixed amount, and I would then be, again, delinquent, and get assessed late payment fees, etc., for not paying the revised and increased, minimum amount. 
After multiple calls to Credit Card Customer Service at B of A, I am being told that their " new '' system does not allow the setting up of monthly " minimum payments due '' - which is unlike every other major bank with which I have a credit card relationship. If this is happening to ME, I have a strong feeling other B of A credit card account holders who had setup their accounts for autopay of the minimum amount due under the previous XXXX system, are being charged fraudulent missed payment / late payment fees - without ever being notified of the system being changed, no notice of the impact of those changes, and now having NO option to make automatic minimum payment due amounts ... resulting in many B of A credit card customers being charged bank penalty fees. 
I would like the CFPB to contact B of A 's credit card department for an explanation of why no minimum payment option is available, evidence of how they supposedly notified their cardholders of the changes, and the financial impact to their cardholders. I would imagine these additional penalty/late fees have had an impact to B of A 's bottom line.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted in writing a request for the immediate removal of incorrect spelling of names, addresses and phones numbers on my consumer report to all three agencies. I attached my drivers license for proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Credit Services Corporation, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I cancelled a loan in XX/XX/XXXX. I am to receive a full refund of {$5100.00} of money that I paid in to them. I have been going back and forth with this company and they say theyve mailed a check but now their corporate office is not sure if the check is mailed or not. They keep telling me to wait 7-10 business days and call back if I havent received. I was recently told it was mailed on XXXX and as I called today XXXX and spoken to a representative theyve asked me to wait another 7-10 business days and to call them again. This is money owed to me and its getting increasingly frustrating as I get disconnected multiple times only to reach someone who is not entirely sure as to whats going on. The companys name is Health Credit Services. I am reaching out here in hopes that there might be a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: NV
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

The following accounts have violated my rights : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: U.S. BANCORP
State: OH
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:
My XXXX XXXX XXXX credit card serviced by XXXX XXXX XXXX continues to charge foreign transaction fees for purchases made in US dollars on US sites. On at least 5 occasions they charged fees of {$0.00}, {$2.00}, {$0.00}, {$1.00}, and {$1.00} ( a percentage of transaction ) for transactions they did not have to convert to USD to post to my account. The transactions were completed and processed in US Dollars. One of the transactions was even for a in store pick up transaction in Ohio. The explanation given by customer service is that they use the company 's base as a definition of a foreign transaction and expect a customer to know where the base is located. This feels like a deceptive process. No purchase was made in another country or shipped from another country. No currency conversion has taken place. The transaction is in US Dollars.

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 2017-11-01
Company: CURO Intermediate Holdings
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Account Control Technology, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Capital One took over for the XXXX card I have been a member since XXXX. Since then I have paid my bill online and not had a problem I sign on to my account once a year to pay the membership dues that is due. I called today because I know that my membership was due for XXXX and I paid my past due amount and then was transferred to the technical support to reset my password. I was then asked the questions that a credit card company ask what is my name and the other privacy question then to be told that they could not reset or send an email to give me access to my account. The person I spoke with at Capital One name was XXXX and her employee ID was XXXX she explained to me that she was a floor supervisor and was not able to help me that she could transfer me and that person still would not be able to help me. I explained to XXXX that I am in the Military and that I constantly move around that is why I have my fathers address as the mailing address. My father is currently XXXX miles away from me and also out of the country. She explained to me this is Capital one 's policy that they can not help or reset my password without the account number. So I explained to her how can I do that if I am not even around my father 's address and I am constantly moving around and that is the point of me sending my mail to my father 's address. The point is that I had to close my account with capital one due to this inconvenience to a service member being away. Something needs to be done about this I pay my bills online and that 's how I have done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: NV
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:
This account is now listed on my consumer reports as a charge off. It is illegal to post income on my consumer report, and a charge off is considered income by the IRS, and an institution can not report something as both income and debt. I know that a 1099-C had to be filed, and I never received a copy of 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 explanation
Consumer complaint received 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
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:
I am a federally protected consumer, natural living person. I am not being coerced by any third party or agency. I am submitting this complaint with my own free will and I am aware that my personal information is being used fraudulently and I am demanding to have this information blocked from my consumer report. Enclosed will be the FTC report as well as dispute letter for the account to be blocked.

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 2017-11-01
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Statebridge Company
State: NJ
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:
Re : Proof of Claim filed in US Bankruptcy Court-XXXX XXXX XXXX XXXX No : XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank not responding the Demand for release of a lien on our property. 

At our request our Attorney XXXX XXXX at XXXX XXXX XXXX and XXXX had sent the PNC Bank several Demands for Reconveyance of the Lien PNC account number XXXX to PNC and to date we have received no response. 

The first Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX. 

The second Demand for XXXX was sent to PNC via certified mail, return receipt requested on XXXX XXXX, XXXX with a required response date of XXXX XXXX, XXXX, again we received no response. 

I am an older person caring for a XXXX wife and PNC 's lack of response has caused us significant economic and emotional distress. I would ask the CFPB to assist us in having this matter addressed and the Lien released per our Attorney 's demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 found 4 transaction unauthorized around XX/XX/XXXX and immediately after I filed for disputes on those transactions. At the same time, I found out my card lost although i still using the card information for online purchase. However, I received a letter today stating those charges are valid.

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 2021-05-18
Company: Monarch Recovery Holdings, Inc.
State: TX
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:
Received a debt collection letter from monarch recovery management in amount of XXXX in XX/XX/2020. Someone using my address and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  is what I believe the lady stated, said she was calling about a debt from XXXX. I have no notice or documentation of such. All of a sudden they are trying to reach my son about a debt. He is only XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: ProCollect, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Been trying to get procollect to validate a debt they say I owe but they refuse to validate it, I been asking over 6 months & still they refuse, calls, emails, certified letters, emails, XXXX complaint, FCRA. Complaint & if it 's my debit please validate it cause it 's not money & they trying to collect money something I do n't owe, they placed it on my credit but wo n't validate it XXXX I  spoke with her on XX/XX/XXXX she claim she was going to send a validation and I have yet to receive anything ... cause this is a fraud collection agency & they ca n't validate theses debits they trying to collect on..I am XXXX & if the trying to scam me I can imagine how they doing the elders they take advantage of people, they try to make you pay something not yours & wo n't validate the bill ... If they knew this was my bill they would have been validate this but they ca n't cause they do n't have nothing to validate with but they keeping it on my credit & when I dispute it they says it 's validated but wo n't send proof to me!! I emailed the office back cause they told FCRA they will be sending me Validation I will upload the email I was sent a few mins ago ... I have USPS mail where my mail gets scan in the system & I receive a email every morning what 's coming in my mail box ... NOTHING FROM PROCOLLECT but let him tell it he been sending for years how when I just disputed this month 's ago it 's not making sense at all I called post office it 's going to take 3 business days to get me a print out of all my mail from the last part 3 years to show it 's nothing from then this is how bad he LIE ... if you lie about a simply validation wow what about the account it 's self!!

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 2022-03-11
Company: National Credit Adjusters, LLC
State: AZ
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:
National Credit Adjust is reporting inaccurate information to my credit report. 
-PAST DUE AMOUNT : This section is incomplete across all credit reports, delete immediately -LAST REPORTED DATE : This section is incorrect across all credit reports, delete immediately -DATE LAST ACTIVE : Is incorrect on all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My family and I have been affected by COVID19 so I longer hold employment. SEEDFI is still forcing me to continue my payments when I clearly told them I wouldnt be able to afford the payments of {$200.00} a month to report positive payments on my credit profile. Once I told them I could no longer afford the payments they deferred payments for 2 MONTHS I was behind on one payment and they advise me that they already gave me a grace period and if I didnt make a payment they were going to report negative information on my credit profile. I tried explaining to the company that it isnt like I dont want to pay, Im just not working right now and cant afford it. Ive work extremely hard to build my credit profile to change my familys lives. Id like to someone how close this account and remove this company from reporting due to the stressful situations this is causing no only for me, but my family as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently ordered my credit report from Equifax and noticed that there were a few inquiries that I did n't recognize or authorize. Listed below are the inquiries that are unauthorized and unrecognizable. 

XXXX XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX/XXXX/XXXX I called and spoke to a representative and she stated that there was nothing that she could do to help me. I put an fraud alert on my credit report for XXXX, XXXX, and XXXX for reasons like this. I would like to have these inquiries removed immediately.

Company response to consumer: Closed with explanation