BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

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 2020-08-20
Company: Experian Information Solutions 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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. I sent my first response on XX/XX/2020 and a follow up letter on XX/XX/2020

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 2020-06-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/20, I paid and settled my XXXX  XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: CITIBANK, N.A.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute Numbers provided by Citi : XXXX & XXXX I am writing in response to a credit card dispute case which is being handled by Citi and prolonged for almost 3 months now without any resolution. Hoping to get some help on resolving the issue. 

My case is as below : Myself, US citizen was traveling to XXXX. I came to XXXX on XX/XX/XXXX and the cab driver took me to a restaurant in XXXX, where I was forced to give my credit card even though there was absolutely no service provided. 
The name of the restaurant was in XXXX and hence I could not read. There were 2 charges that was made at the place on the same day on my credit card were {$1400.00} & {$2400.00}. 

Citibank responded to my dispute by sending a sales receipt from the merchant. 

I responded to them saying the sales receipt is totally fake and also my sign was forged. The charges show some amount like {$250.00} for mixed fruit and {$900.00} as some drink. I am pretty sure they do not even have a menu with the amounts. 

Also the receipt shows {$1100.00}, while I was charged {$1400.00} and {$2400.00} on the same day. I sent a reply to Citi asking the merchant to provide explanation for the same? 

This is totally an extortion where in these people are fleecing foreign customers. I had called the Citibank customer service on the same day to inform regarding the fraud committed and to dispute the charges. 

The cab driver who took me to the place was XXXX and his number is : XXXX XXXX XXXX XXXX. The XXXX authorities are trying to nab this person but looks like he has absconded from XXXX. A formal case has been registered with the XXXX authorities. 

I have asked Citibank that the charges immediately withdrawn from my card. The investigation is taking too long and I am not confident if the same will be resolved. I have called the customer service multiple times but not much information is received other than the case is being investigated.

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 2020-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2020, I made a payment on the above-named account in the amount of {$260.00} to satisfy the minimum payment. The billing cycle for this account is 31 days and it ended on XX/XX/2020 ( see attachment ). On the morning of XX/XX/2020, I paid off the remaining balance on the account in the amount of {$3700.00}. These two payments together totaled {$3900.00} which was the amount I owed on my monthly statement. When speaking with Virginia BOA representative ( Ms. XXXX XXXX she told me that I had paid off the account and my account paid in full. I was notified on XX/XX/2020 that an additional {$32.00} was owed on the account. I was confused as to why I had to pay this amount since I : ( 1 ) satisfied the total amount owed in the pre-cycle balance at XXXX XXXX  on the last day of the billing cycle ; ( 2 ) did not have any transactions fees that would be subject to daily or annual interest calculation ; and ( 3 ) did not have any transactions posted at the beginning of the new billing cycle that was subject to interest accrual. The interest accrued was not in accordance to how BOA stated they calculated interest on my average daily balance, which states : To calculate a daily balance for each day prior to this statement 's billing cycle that had a Pre-Cycle balance : ( 1 ) we take the beginning balance attributable solely to Pre-Cycle balance ( which will be XXXX on the transaction date of the first Pre-Cycle balance ) ; ( 2 ) add an amount equal to the applicable Daily Periodic Rate multiplied by the previous day 's daily balance ; ( 3 ) and add only the applicable Pre-Cycle balances and their related Transaction Fees. We exclude from this calculation all transactions posted in previous billing cycles. 

So, on XX/XX/2020 I paid the {$32.00} and BOA issued me a new statement of {$0.00}. BOA incorrectly charged me equal to one percent ( 1 % ) of my APR when I paid off the entire balance by the end of the billing cycle. I am asking for a refund of the {$32.00} that was incorrectly calculated and billed to my account.

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 2018-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2018 I attempted to access Bank of America 's ( BofA 's ) online banking as usual, but I was presented with a modal dialog about whether I wanted to receive legal notices by mail. The dialog could not be dismissed or cancelled. 

I had previously informed BofA numerous times that I wanted to continue receiving statements and legal notices by mail. 

In large bold text was the button " Save my choices ''. Above it, a checkbox for my " Bank of America Cash Rewards Visa '' card was pre-checked. I had already chosen to receive notices on paper, so I had initially assumed that " Save my choices '' referred to once again confirming and saving my choices. 

After pausing to read more carefully, I learned that BofA was trying to deceive me into clicking through so I could continue with my online banking activities, which would have inadvertently caused me to lose access to paper statements. Those were not my choices at all. Those were BofA 's choices. 

BofA 's behavior here was deceptive and inappropriate. BofA could have named the button non-deceptively, for example : " Stop receiving statements by mail '' or " Accept our suggestions ''. 

Bank of America 's particular choice of language, " Save my choices '', was intended to deceive consumers and cause them to change the manner in which they would receive legal notices.

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 2020-05-10
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received my Georgia prepaid unemployment insurance Mastercard through XXXX and followed the directions to activate it both at the toll free number XXXX and online at XXXX. On the toll free number they told me that I have a XXXX balance. I tried every option they have on that number and was never able to get resolution or reach a live person. Now it tells me that the card number is invalid. I registered the card on the website and it never gave me a balance but it sent me a XXXX card that also has a XXXX  balance. I would like to get a Georgia UI card that works. It has been a month and I still have not gotten any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Resurgent Capital Services L.P.
State: IL
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:
On XX/XX/XXXX, I tried to apply for a car loan and was told that my credit score was XXXX because of an UNPAID DEBT for a XXXX  XXXX credit card from XXXX. I paid the debt on XX/XX/XXXX. Resurgence collection agency failed to report that I had paid it off to the credit bureau and to the bank that sent the debt to them. It has been 4 years since it has been paid off. They told me they would send me a letter in the mail ( because they don't offer email as a service ) and it would state that I paid off the card in XXXX and that it should no longer be against my score. The letter I received strongly implies that I paid this debt on XX/XX/XXXX and says thank you for your payment. You account is now paid off. If this payment comes back as insufficient funds, your account balance will return to the amount you owe. I asked them to send me a letter giving the date that I paid off my debt and they refused. I ask for a receipt for my transaction with the date that I paid it off and they said they would send in a request and asked if there was anything else they could do for me today so I asked if the request gets denied, could they call me and let me know and she said " no, we don't make outgoing phone calls. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Coastal Credit, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off my loan in XXXX of XXXX and still do not have a title. Called repeatedly to Coastal Credit LLC and was told the title had been sent to the wrong address. After 10 months of waiting for a duplicate title I spoke with the title clerk who informed me it was going to be sent out again. I asked if I go and pay for the title who is going to reimburse me, as I paid for the title when the car was acquired, I was told no. As of today XX/XX/XXXX I still do not have a title. I was given a tracking number and when I attempted to acquire the title DMV states there is no title available.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/2019, I paid the outstanding balance on my Chase credit card in order to have a zero balance and close the account. Chase accepted the payoff check and even sent me a refund because they said I overpaid. Chase did not send me any new credit cards. I have not used the Chase credit card for at least a year. Chase continued to send me billing statements for charges/services I was not using and did not request. I sent them a payment today XX/XX/2019 under protest in order to stop their system from accruing more illegal interest and charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-28
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: National Credit Systems,Inc.
State: FL
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:
Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid {$7500.00} in XX/XX/2019 and they reported me as late to all 3 credit bureaus. They have damaged my credit report. I want this removed or else I will sue and contact news networks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: AMERICAN EXPRESS COMPANY
State: WA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

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 2019-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX  auto  loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in 2016. it was for a XXXX XXXX, the car insurance XXXX  paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.

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 2019-11-18
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I retired as of XX/XX/2019 and moved to XXXX as of XX/XX/2019 for a year. Since moving to XXXX my bank XXXX XXXX  / Netspend keeps blocking my account so I dont have access to my government social security direct deposit. I have proven my identity each time. But now they want proof of my identity with my address on file within the last 30 days which I dont have I sent them all of my closing bills but they wont accept them I have explained this over and over I have sent them my final paycheck with the correct address but they wont accept that either I sent my XXXX  XXXX  my passport my lease and electricity bill from XXXX I have sent everything asked for but no one there is listening and I will soon be homeless and starving in XXXX when they have my SSI and final check. They keep threatening me with closing my 6 year old account and sending me a check which would not get through customs nor would I be able to cash it here. Please I cant get anyone to even look at the previous notes I keep getting the exact same answer we need something from my address on file from the last 30 days which is the closing bills.

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 2019-08-30
Company: Experian Information Solutions Inc.
State: TX
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 have paid and settled with the company XXXX management and the they would not remove my collections status off from the reports.

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 2019-09-14
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up to the complaint I stated XXXX/XXXX/2109 with XXXX. I went to pay my mortgage this month with XXXX and was told the loan was sold to Shellpoint. I have not received any paper work on this and understood they need to give you 30 days notice which I did not have,. XXXX states they did not have the correct mailing address and the info was sent back per bad address. Funny ... .XXXX has had no problems over the past 7 years getting info to me and monthly coupon books for payments with info on total and payments on loan..Any way I am the one that reached out to Shellpoint as I had no payment coupons from them or any info and the payment was due ... .I had to make over the phone with rep and recieved confirmation number for the payment which was being taking out of account. Checked mail today and still no info from them that I was sold and yet I had to make payment. No info no info on my loan that was sold ... ..no financial info on my mortgage loan ... ... I feel I should of had info on this ... .contract? It is wrong that client is not informed of this in advance ... ..and has no idea where to turn ... no paperwork on loan transaction ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: ALEXANDER-ROSE ASSOC, INC.
State: OK
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife signed a lease where we were insured that there was a Military Clause. We toured the property together in like mid XX/XX/XXXX and they copied my ID. My wife signed the lease on XX/XX/XXXX which is clear even on the paper they sent us to prove that there was no Military Clause and the had no idea I was going to the Military, but the Lease copy they sent us has a Military discount. Also I left late XX/XX/XXXX to report to a hotel to meet my recruiter and was sequestered at a hotel to wait for all the other recruits. On XX/XX/XXXX I was starting my first day of basic training in the XXXX. So there is no way that I was in XXXX at all. Even the debt collector said our names were written in different color ink. But he " handwriting expert '' says the signature on the lease looks like the signature on my ID. She sent us the paper and what it is, and what it looks like is someone trying to copy my signature. I sent the collector proof of my orders that specifically show that I never signed a lease or even lived there. I went straight from basic training to XXXX to being XXXX in Alaska at XXXX XXXX. My problem is that falsifying my signature made that whole contrast null and void.

Company response to consumer: Closed with explanation