BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-13
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XXXXXXXX XXXX fee practice I made 2 payments to pay off a balance. 

Original purchase date XX/XX/XXXX for {$41.00} XXXX statement rec 'd XX/XX/XXXX via email Minimum payment on statement : {$27.00} due XX/XX/XXXX. 

Made the minimum payment of {$27.00} online and scheduled it for XX/XX/XXXX due date. 

This appears on the statement : MinimumPaymentWarning : Ifyoumake onlytheminimumpayment each period, you will paymore in interestand it will take you longer to pay offyour balance.For example : If you make no additional charges using this card and each month you pay ... Onlytheminimumpayment You will pay off the balance shown on this statement in about ... 2 months. 
And you will end up paying an estimated total of ... 
Onlytheminimumpayment 2months {$42.00}. 

XXXX statement rec 'd XX/XX/XXXX. 
New Balance {$16.00} due XX/XX/XXXX ( {$14.00} + {$2.00} Fee added ) Made payment of {$16.00} online and scheduled it for XX/XX/XXXX due date. 

XXXX statement rec 'd XX/XX/XXXX Statement balance of {$2.00} Statement shows {$16.00} - {$16.00} + {$2.00} fee. 
{$2.00} payment due XXXX XXXX. 

This is my complaint. I paid the balance on the due date that included a {$2.00} fee and now they are charging another {$2.00}. I corresponded 2 x and received 2 replies. 
I don't accept the explanation as I don't think it's right to charge a fee after the balance has been paid off and on time. 

Here is the final reply : Dear, Thank you for taking the time to respond to our most recent reply. It's my pleasure to assist you. 
I understand your concern regarding the interest charge appearing on your account. 
I would like to inform you that an interest fee is charged on your account when you carry a balance for two or more months then pay off the account. If you have been paying less than the full balance of your account and you then decide to pay your balance in full, you will be charged interest on your average daily balance from the first day of the billing cycle through the date your payment in full is received. The interest charge will appear on your next billing statement. 
As always, you can avoid all interest fees by paying your balance in full every month. 

In the future, you can also process your payments using any of these options : Pay in any of our stores Pay by mail Pay by Phone If you have further questions or comments, please contact XXXX XXXX Credit Customer Service online at XXXXXXXX XXXX XXXX by selecting XXXX XXXX Credit Card , or by telephone Monday through Saturday XXXX-XXXX and Sunday XXXX at XXXX. 
Sincerely, XXXX XXXX. 
XXXX XXXX Credit Customer Service XXXX Now you can pay your bill on-line at XXXX 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 monetary relief
Consumer complaint received 2021-12-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of identity theft. My identity was used to open LIST THE ACCOUNTS HERE. I have no knowledge of these accounts and did not authorize these accounts. This has extremely affected my credit score and my ability to get approved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: Accelerated Receivables Management, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2016, I ended my contract with XXXXXXXX XXXX. Now here we are 2 years later and I am receiving threatening calls from a collection agency ( Accelerated Receivables ) and law firm threatening me almost on a daily basis. I owe nothing on this account and certainly not {$1600.00} to them. I have asked them to send me something in writing that proves this debt and still I have received nothing. This seems like an ongoing issue with XXXX after looking at reviews on the XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-05-21
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX  has been reporting on my behalf with out my permission. I havent been able to contact them and they have still been charging me late fees. Every tine i try to contact support i can not get through. Since XX/XX/2021 till XX/XX/2021 they have taken money from me and i demand it all be sent back to me. Under 15 usc 1692 c i would like to cease and desist all communication from here on out. Under 15 usc 1681 ( the fair credit reporting act ) all reports need to be accurate and fair. And i am a victim of fraud because so gave no consents for anybody to report or have my information. Any paperwork like the pictures i showed attached are examples of false and deceptive paperwork which is a violation of the fair trade commission ( the ftc )

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 2020-07-17
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from Meade & Associates XX/XX/2020 at XXXX EST from number ( XXXX ) XXXX. Representative named XXXX ( do not know last name ) called me. I tried clarifying payments I have already made towards my account however she couldnt really give a definite answer of why shes not showing my payments. Instead of telling me I could dispute charges, she then says okay well you have a great day when I am trying to figure out why my payments are not showing. Her tone of voice was very sarcastic when she was saying how Im either going to pay or not because its on me, and my responsibility. I just use one curse word because I didnt appreciate how she didnt want to help me or her tone of voice and the representative HUNG UP on me instead of trying to work out where my previous payments have went. I called back, got the same lady ( XXXX ) and I wanted to talk to a supervisor. She then told me one is not available. I requested to just talk to another representative and got in touch with XXXX. He gave me the companies name ( I wasnt sure how how its spelled ). I complained about the last representative, as Im sure anyone would, he ALSO was rude and very smart aleck towards me. Supervisors name is apparently XXXX XXXX and I have yet to receive a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a paid invoice which the merchant still has not been paid or the funds made available to the merchant. Now my invoice shows its paid but PayPal claims it was cancelled. so it should be in my PayPal balance but is not and never was. Nor was the invoice that says paid, paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: GLOBAL TRUST FINANCE, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
This lender caused me to lose {$7500.00} on a deal due to the fact that he qualified me for a loan that was never qualified for. He asked me to provide income for an income that did not exist and he carried the process out for 3 months only to end up with a denial. The seller filed a claim on the escrow funds and now I am without the house as well as the funds lost. His communication was terrible, and he showed no concern or empathy for the trouble that he caused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very tired of the way my loan is being ha ndle by Chase. I have submit numerous application to Chase to be review for a modification, since my intentions are to kee p my home with an affordable payment. Therefore ; I have provided all the docum ents needed to Chase so I can be evaluated for a modification. However they have purposely prolonging my case making fall further  behind. They are forcing me to provide  a   XXXX   XXXX  -fo rm with the  XX/XX/XXXX year on it, I explain to them that I only have file for   XX/XX/XXXX and  XX/XX/XXXX  tha t is why I did not write on the application   XX/XX/XXXX . I have fax  them many letters of explanation why I am not presenting records for   XX/XX/XXXX . Since I get paid in cash I will be filling next year. I dont understand why Chase kept stating I dont make enough if  my monthly income is {$1900.00} and my current expenses are {$1400.00}. these expenses include my current mortgage payment. That leaves me with a surplus of {$470.00}. after covering all my expenses. I have attended workshops and have learn to create a monthly budget to make sure I save money for my trial payment. Please help me I am very over whelmed with all the excuses  Chase keeps bringin g up in order to prolong my case, I am ready to start making my trial payments and become current once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During Covid I was unable to make 6 payments. I then paid the card current plus XXXX  under the limit. I had never been late or over the limit before Covid. They closed my account. I went on chat with a rep that after reviewing my account said no problem they would reopen the account, I just needed to verify it was me so I needed to call. The rep on the phone said it could not be reopened because I had been late 3 times in a year. I then got back on chat and the rep said to call back and talk to a manager. The manager told me again I could not reopen the account. I then responded to the chat that the manager would not do it. At this time the rep on chat say 's I can't reopen the account because I was late 3 times in a year.

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 2018-03-01
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I reported that my Citibank credit card was lost and requested a replacement card. When I reported the card lost, I was informed by the Citibank agent that the credit card account number would change but they did not give me the new account number. Since my payments are made using my bank 's bill pay system, the credit card number is essential to setting up a payment and since I had been informed the account number would change, I waited to send the payment until I received the new card. However, I did not receive the card as promised and contacted Citibank again in XX/XX/XXXX. They gave me the new card number and XXXX 'd the new card to me. I immediately made payment to bring the account current, however, I now find that Citibank reported me as 30 days delinquent for XX/XX/XXXX. 
This delinquency is preventing me from obtaining necessary mortgage financing. 

See attached letter previously sent to Citi, requesting correction of this reporting.

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 2018-03-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried and tried to create an account with Equifax to no avail and I checked with XXXX XXXX and saw that there is no history of credit but my XXXX  does. Is there any way I can sign up online to view my credit reports or be sent my credit reports? I am in need to see it due to lending purposes. I called and no one was able to help me about this situation. Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: SC
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:
XXXX death cert file:XXXX ; cert XXXX deceased on XX/XX/2014. My mother 's life policy was stolen this yr. I contacted the ins co. I lived with strangers because if my husband and my room was being entered when I went to work. I entered my brothers ssn in the credit bureaus data base and opened an acct. A letter was rec 'd in the mail from TN tax showing XXXX  due on an inh tax. TN tax number XXXX. XXXX had three houses and his ex wife assumed some of his properties. I contacted cc and ssn adm and closed out his acct when he died. He was in the military and his family did not rec payment from XXXX plan. I mailed an unq on XX/XX/XXXX cert number XXXX ; XXXX plan XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Recovery One, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit report today and I noticed that an inaccurate account listed by Recovery One LLC now contains a past due balance. This is listed as a collections and from the laws that i have read a collection account can not have a past due balance as a collection is past due by default. Please delete this inaccurate account from my credit report for failure to accurately list this item. 

I would also like for recovery One LLC to provide me with a copy of my signature with the original provider giving permission to share my medical information with this company. I have no knowledge of this account so I would like to see original docs including my signature. Please cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: FL
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/21 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 45 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: NCC Business Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing yet another complaint to be more clear this time. I received a copy of my annual credit report in XX/XX/2018 and notice two large outstanding collections on my reports one for {$1200.00} and another for {$6600.00}. I immediately sent out VALIDATION letter to this company, to which they replied with a list of damages and a lease. The lease was for an XXXX XXXX. I informed the company that this was not me, nor have I ever been known by this name and that they are reporting inaccurate information on my credit. They then responded with a hand written " deposit slip with my first name, XXXX and the last names XXXX. ( Still not my legal name ) I was told that the sure deposit links it to me and the lease was a typo made by the original creditor but the debt was intended for me whatever my " legal " name was. I'm getting no resolution for this. The sure deposit they supplied me with isn't a legal binding contract itself nor does it even have an apartment number on it. The lease they suppiled me with isn't mine. THIS IS LEGALLY. Reporting INACCURATE INFORMATION ON SOMEONES REPORT IS ILLEGAL. They have FAILED to probably VALIDATE the debt owed, which is a very clear violation of my rights under the FCRA. They told me to fill out some paper work and get a police report but they would still be reporting, I should not have to jump through hoops for something that seriously DOESNT EVEN HAVE MY NAME ON IT. This has put me in an extreme bind as my credit is important to me and it looks bad. 


I'm attaching the sure deposit and the lease only as those are the only things relevant. The damages is just a bill and the " application " are both not significant enough or considered validation for a debt. Please note the difference in the writing and the signatures. Neither are mine. Please also note the sure deposit is not a legal binding lease and isn't proper validation either. Lastly, the lease does not mention me on it at all. 

I will be reporting and filing a complaint with every outlet possible, because I'm sure I'm not the only person who has fallen victim to their ILLEGAL collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: RS Clark and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX To whom it may concern, R.S. CLARK AND ASSOCIATES Debt amount {$320.00} Opened XXXX XXXX,2012 the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation. Please remove this debt from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Had a payday loan through ace cash express in XXXX where I have been customer last 4-5 years. Paid off loan of XXXX twice. Had an emergency moved out of state last month. Already did one pay off loan of XXXX XXXX nth to pay off loan.They only allow you to do this once year. They told me that I couldn't do a smaller payoff because I already used it for year 2020. I'm on social security XXXX and need to pay my loan back of XXXX. XXXX The office in XXXX, tn refused to work with me on these payments. The XXXX XXXX  also did same thing. They are the Bank behind the Ace Cash Express. They want all of my loan back in one sum of XXXX or nothing at all. I offered to pay XXXX per month in a money order. If I use my Ace Card to pay they want all the loan back and refused to make arrangements with me. 

Please help. I am willing to pay my debt of XXXX  XXXX but they are not working with me for a solution. Thank you XXXX XXXX XXXX XXXX XXXX. 

We also had Direct from each of us from Social Security XXXX. Direct Deposit of almost XXXX. Per month both from me XXXX XXXX and my son XXXX XXXX who owes the loan. 
Ace Cash Express XXXX XXXX XXXX XXXX, Tn. XXXX Phone XXXX Me and my son live just across the street. 
This is so crazy I have never had so much trouble in trying to return money We have borrowed from this Ace Cash Express. 

Our phone XXXX Please help Thanks

Company response to consumer: Closed with explanation