BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
To whom it may concern, Chase bank charged wrongly overdraft fees, I have alert of low balance or unsuficent fee balance and always deposit immediatly to cover transactions if needed but Chase always changed the order and charged me overdraft fee anyway. when you call they said their per their guidelines they don't refund more then 2 overdrawft doesn't matter bank fault or not.

Taken {$34.00} from people is money just because you can is not Ok.

See attached documents. When Chase refund, they always find the way to take back what they refunded in first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On two of four billing cycles with my XXXX Credit Card ( Comenity Bank ), I was charged late fees and interest. In all four instances, the payments were sent electronically by my bank ( XXXX XXXX XXXX  ) well in advance of the due date. Each statement also clearly states that finance charges would occur if the payment was not received ( as opposed to cleared or processed ) by the due date. In the two cases where I was charged late payment fees and interest, both payments were sent electronically 7 days ( XX/XX/XXXX ) and 8 days ( XXXX XXXX ) in advance of the due date ( XX/XX/XXXX and XXXX XXXX respectively ). My bank advised that I allow 5 days for each payment to reach Comenity. My bank record show that neither  payment was cleared ( processed ) by Comenity Bank until 8 days ( XX/XX/XXXX XXXX and 12 days ( XXXX XXXX ) respectively. One of the four billing cycles in which I was not charged a late fee was when the payment was sent on XXXX XXXX ( due XXXX XXXX, cleared on XXXX XXXX ) and XX/XX/XXXX ( due XX/XX/XXXX, cleared on XX/XX/XXXX ). 

I called XXXX after receiving the late fees and interest charges on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared on XX/XX/XXXX ) and the XXXX agent acknowledged the mistake and removed the charges. I notified Comenity ( instead of XXXX ) the second time it happened, on my XXXX Statement ( payment sent on XX/XX/XXXX, cleared XX/XX/XXXX ). I also want to note that I sent the XXXX payment on the same day that I received the XXXX. Statement from Comenity via email, just to make sure the payment got to Comenity on time. In my secure message conversation with Comeity about the problem, their agent informed me that they waived the XXXX charges as a onetime courtesy and refused to entertain the idea that any fault may lie in their management of my account. I then contacted XXXX and the XXXX agent removed the fees, but said it was because XXXX did not want to lose me as a customer. Like Comenity, she would not consider the idea that there may be some problems with how Comenity is managing XXXX customer charge accounts. 

I paid off my balance with Comenity, minus the late fees and interest charges and will cancel my XXXX charge account after the payment for items I bought since the XXXX. Statement clear my bank. Although my problem has been resolved, I am filing this complaint because I have serious concerns that other XXXX and Comenity Bank customers may be experiencing overcharges with respect to late fees and interest charges on balances. If it happened to me in two of only four statements total ( 50/50 chance in my case ), and I still don't know how to avoid the problem in the future. it seems likely that this may be happening to others who do business with Comenity or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
i am a member of the Military. I was suddenly XXXX XX/XX/XXXX and did not give me time to call all of my creditors, ... ..Credit Acceptance has reported me late from XX/XX/XXXX until XX/XX/XXXX ... ... I sent them a letter explaining what happened and they did nothing to correct the late payment history reporting ... this is absolute bullshit..i go out to serve our country during a pandemic and this company has the nerve to report all of those late payments and ruin my credit ... .my next step is a complaint to the state attorney general and even to speak to a consumer attorney if this is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX and XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX CLOSED )

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 2023-05-21
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Drs is inaccurately reporting on my credit report that I owe a balance off {$2400.00}. I dont know this company nor have ever had any business with this company. This company does not have a contract with my signature on it and is a violation to be reporting inaccurately on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I did a wire transfer to Coinbase.com of XXXX to invest in cryptocurrency.

I received a message on their website regarding the transfer and that it will be delayed and processed

within 24 hours. It 's been 48+ hours now and nothing. I
've been on hold on their phone customer support for 1 hour, TWICE in a day. I 'm not the only one experiencing issues like mine. People have even been locked out and accounts r
emoved with way more money than me, with no reasons given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is for a Select Portfolio Services ( SPS ) XXXX conventional second mortgage with original amount $ XXXX, and maturation date XX/XX/XXXX. I owe {$3500.00}. The loan has been sold twice. 

I became unemployed in XXXX due to COVID and am struggling financially. I applied for a COVID related mortgage forbearance or modification XX/XX/XXXX. 

SPS has not addressed my concerns adequately. Communication is non-existent, and they keep asking for more documentation. I have provided everything they have requested although my first mortgage servicer gave me a three month reprieve with no documentation at all. 

I am back to work at a much lower rate of pay XX/XX/XXXX. I can make payments but can not pay the balance of {$3500.00} by XX/XX/XXXX. SPS is not addressing my request for COVID related loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had a Business Account in Chase Bank and On XX/XX/2023 Evening my Chase Bank Business Account was closed even though in the same day morning I spoke to Bank and everything was fine. I received payments from my Clients and I also transfer amounts to my partners and employees as usual conduct of Business. Im also going to attach the evidence of legit payments I received from my clients but Chase Close my account by citing Suspicious Activity and didnt provide any reason. Next Morning I went to Chase Bank Branch and heard same thing and also heard that I can never open an account in Chase for a life time and that they just close my account which is a complete humiliation and discrimination against an innocent customer. My account and business wasnt involved in any kind of wrongdoing but dont know why got a humiliated treatment from Bank . I even tried to show them documentations to prove my point but they refused to listen or see anything. I really want CFPB to take action against this financial institution for humiliating and discriminating a customer for no reason at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Debt Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is claiming I owe them {$470.00} for early termination of contract. I had a two-year contract with them from XXXX - XXXX. After that I was on a month-to-month plan and I had to relocate because my landlord moved back in their house at XXXX, VA XXXX. When I contacted XXXX to inform them that I was relocating and wanted to transfer my services to XXXX ( XXXX, VA XXXX ) they informed me that they only had telephone service in that area at that time. Since I needed a total package ( phone, internet and cable ), I left XXXX and went with XXXX. XXXX then told me that I would have to pay an early termination fee if I did not take their phone service with me. XXXX alleged that I was back in a contract because they gave me a {$200.00} Gift Card which is not true. The only {$200.00} Gift Card I received from XXXX was back in XXXX for the 2-year contract. I did not receive anything after that from XXXX. I have tried on numerous occasions to resolve this issue with XXXX with no success. I also filed a dispute with the credit consumer reporting agencies with no success. This issue is adversely affecting my credit report. Any assistance you can provide will be greatly appreciated. 

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 2023-05-21
Company: CBC Companies, Inc.
State: MN
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: Other problem getting your report or credit score

Complaint:
I am having an issue getting a complete copy of my credit report from Factual Data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was fraudulently reported to credit agency, and can not be verified. The company reporting the debt claims they obtained it in XXXX, based on a " previous debt '' originated in XXXX. The company has made no attempt to collect, but has reported this fraudulent debt to XXXX, who then has taken action against my credit. I have never owed debt to the original creditor XXXX XXXX XXXX XXXX ), and this debt is the result of identity theft or fraudulent reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Law firm charged debit card for hourly services that were completed out of malpractice. The hours billed were hours spend incorrectly filing paperwork and for many mistakes that were made by the fault of the law firm and ineffective counsel. Bank or America has started a dispute and investigation, but the time frame has gone past the 45 day window and now the bank is telling me that I will never receive the funds if the merchant does not respond. The merchant has no intention of responding and has no proof that the charge was made with my permission. I have plenty of documentation to show the missteps made by the firm and evidence to back malpractice claims. The bank will not offer a temp credit and now says that I will not receive the funds even though the merchant has not responded and the 45 day window has closed.

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 2023-03-10
Company: MECHANICS BANK
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY INFORMATION IN REGARD TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
www.lvnvfunding.com Is a collection agency and agreed to a ( XX/XX/2018 ) XXXX monthly payment since they took over the charge off. ( from a predatory company online. ) I had to take this loan out due to being off work for XXXX At that time they agreed to {$100.00} a month payment with it being electronically Taken every month for approximately 2 years. They are reporting it late every month though the agreement was made, never late. It is reporting that no payments are being made and that I am late every which is a lie. 
I also contacted the company and they state they dont report anything to the agencies just when its paid off that is again not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, so apparently us bank decided to close my accounts for whatever reasons and they have not refunded me the funds that were left in my accounts. Its been a few weeks now and i really need my money. Can you help expedite the reimbursement of my funds pelase?

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 2023-04-06
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. PLease review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: U.S. BANCORP
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-12-13
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
They are calling my place of business and harassing my receptionist and staff in the office. Going as far as to ask my schedule, additional phone numbers for me and personal information. When I told them I ca n't speak at work, they begin to yell and threaten me about wage garnishments and telling my co workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: M&S Recovery Solutions
State: NC
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:
XX/XX/2022, I received a phone call at work that I was owing a sum of money to a known payday loan company. I didn't recognise the name of that payday loan company and attempted to verify that the debt was real. The people on the phone rushed me and insisted that they were a legitimate legal collections entity and that they already contacted my bank to verify if the payment really did not go through. They then transferred me to a " lawyer '' that expressed if I paid {$500.00} right then and there that the client will be happy and leave this alone. So I paid the {$500.00}, giving my debit card information, I requested a receipt and they sent me XXXX from a strange " mail.com '' email address. and my bank statement showed an entirely different company that i paid this money to. I never received any contact again. 

Today, XX/XX/2022 XXXX EST, I received a call again from this same collections agency expressing that I have an amount owing to the payday loan company. I was confused because in XXXX, I was told that I already paid in FULL. But this time around, I am more confused about how I am owing {$5400.00} and that the payday loan company is willing to accept {$3100.00} to pay off the remaining balance. 

I do not remember taking any kind of loan from this company. I believe I was scammed in XXXX because I actually paid {$500.00}.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-07
Company: Self Lender Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
Equifax is continually refusing to remove fraudulent information from my credit report. I have supplied Equifax with all the documents needed to delete this fraudulent account from my credit report however, Equifax is refusing to remove this information. In addition, each time I submit my personal documents to substantiate my identity Equifax continually send me letters telling me to verify my identity when I have already provided documentation of my identity with the request to have the fraudulent information deleted the fraudulent account is XXXX XXXX XXXX. Equifax has refused to delete this account and I have disputed this account for the last two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: DE
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:
There is an unauthorized inquiry made by XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX. Made several phone calls and filed and official dispute. Advised to call to creditor who has no record of inquiry. Bureaus refuses to remove inquiry.

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