BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.

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 2022-05-16
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. Three dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: AP
Product: Credit card
Issue: Late fee

Complaint:
Been receiving late fees from CITI due to no fault of my own. 
CITI has refused to settle this issue and/or repair their web page, never replied to the online messages i sent and/or responded to me from their service reps submitting trouble tickets for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
Tower loan keeps harrassing me wanting payment when I have filed bankruptcy. Sent letter and spoke to tower loan to let them know I have filed bankruptcy. This company is harrassing me.

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 2016-10-14
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is telephoning me on a daily basics, I do not have an outstanding " Debt '' with any one. Several of my friends are also receiving the telephone calls, I want them to stop Harassing me. Telephone number:XXXX ext XXXX. 

Thank you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: SUNRISE CREDIT SERVICES, INC
State: AS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX, I made a deposit to an inmate commissary account via my Southwest Visa issued by Chase. I placed {$19.00} on the account and accepted a {$3.00} fee to XXXX XXXX for the use of a credit card for a total of {$23.00}. The fee was based on a scale, which would have been more if I had placed $ 20+. Understanding the fees that merchants pay to credit card companies, I accepted the {$3.00} Fee. 

When I received my Southwest Visa Statement with Payment Due Date of XX/XX/XXXX, I found that the {$23.00} had been charged as a Cash Advance and a flat fee of {$10.00} had been added. When I called Chase Customer Service on XX/XX/XXXX, I was told the fees for Cash Advances were in my card agreement and additionally that interest would accrue until paid. I requested immediate processing of my auto payment to avoid additional charges. 

I do not feel that it is appropriate for Chase to take advantage of deposits to inmates. In my opinion, this was not a cash advance because I do not have control over the charged funds. If it was possible to send XXXX packages, I would. 

Furthermore, when I requested that Chase block my account from the processing of future Cash Advances, I was told that they could not. This is a predatory practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Keycorp/Keybank-Joint checkinXXXX account. 


On two instances funds were withdrawn from a joint account held by my XXXX - XXXX XXXX and me- XXXX XXXX. Funds were withdrawn via an e-check to a XXXX  compay. 
First Incident - My XXXX had XXXX  away XX/XX/XXXX and the first e-check was withdrawn XXXX XXXX XXXX. This account was her primary account into which her Social Security deposts were made directly. I only discovered the fraudulent check in XX/XX/XXXX while preparing my XXXX 's taxes. Due to onging Covid shutdowns and restrictions it was difficult to get clear instructions on filing a dispute and finally a meeting face to face with the Branch Manager-XXXX XXXX XXXX XX/XX/XXXX. Considerable time was spent on the phone with the Fraud and DIsputes dept to file the correct paperwork. Please refer to the attached file that further details the first dispute, follow up contacts, then ultimately the second dispute initiated XX/XX/XXXX for another e-check withdrawn from the account. 
Futher- the account was supposed to be flagged/locked against any withdrawals or debits. 
SSA continued to make direct deposits into the account, even though efforts have been made to re-submit my XXXX XXXX XXXX. They will want the money paid into the account back. That would include the total amount withdrawn by the fraudulent checks. 
I have been treated more like the criminal than the victim thoughout this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My loans were in deferment for 1.5 years during XXXX school. As I was planning to begin repayments of prior loans and loans ending their grace period, I noted many inconsistencies on my online account. The online accounts are not updated to reflect payments made regularly. It was also impossible to determine when payments were due for different loans. This information was not only unavailable online, but inconsistent with different customer service representatives even within the same day. Over the last month, I had been contemplating consolidating with another company due to the poor service. I am a responsible consumer and my experience in trying to repay my loans has been terrible. I do not trust this company in servicing my student debt and educational investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. I just had a XXXX XXXXXXXX XXXX and I was on medication and was not thinking clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by CMRE Financial Services about a medical debt that I did not owe. They have been persistent and have affected my credit score because of it. I was told I owed {$3500.00} and needed to make that payment. I never was given proof of bills from hospital or received any medical bills at any point. This company is committing fraud and affecting my credit score which in turn is affecting my ability to buy a car, rent apartment, etc. I need this resolved please this is complete fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a complaint to CFPB on XX/XX/XXXX. Ally responded on XX/XX/XXXX. CFPB XXXX XXXX. 

While I appreciate the response from Ally, they did not address that they ultimately used deceptive tactics to entice me into forfeiting my right to continue disputing the debt and saying that a partial payment would not adversely impact my credit. 

I did not arbitrarily come up with the amount that was paid. The amount I paid was positioned to me as satisfying the debt being contested. This was in line with a prior letter from Ally in XX/XX/XXXX where Ally proactively solicited that I accept a lower amount that would satisfy this debt. As someone that has maintained a pristine payment history not just with GMAC/Ally but across all my debts, it does not make sense that I would purposely adversely impact my credit score by paying a lower amount. 

Per my understanding of the Generally Accepted Accounting Principals ( GAAP ) from accounting of Accounts Receivable, it is at Ally 's discretion when my account should be considered a Charge Off. Despite the multiple times I told Ally I would be happy to pay for the damage, they still decided on their own volition to account for this as a Charge Off. I was clear in what was needed from Ally, I remained in constant contact with Ally throughout the whole time in question, and I held multiple calls with customer service representatives. All of these actions refute Ally 's position that I was not willing to pay. If the accounting mechanics mentioned are incorrect, I would ask that you please share the corresponding section within GAAP guidelines or provide a letter from your auditing firm that substantiates your position that a charge off was accounting driven. 

While Ally did complete a cursory review of the history, there are still substantial details left out. I have expressed multiple times that I would like to work with Ally so that this not be labeled a Charge Off.

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 2020-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
I requested a replacement card three times every time I've been unable to be activated so I have any emails compromised internet and rerouted customer service phone calls I am fed up tired of all this mess is been going on for quite some time now and this is not the only thing that has done 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 non-monetary relief
Consumer complaint received 2022-01-03
Company: BARCLAYS BANK DELAWARE
State: IN
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 was charged for something I did not do or authorize on XX/XX/2021. I have communicated several times with Barclays XXXX credit card by phone and by their secure message center. They removed charge at one point and reissued card. However later they chose to reinstate charge and we have discussed in writing and by phone ad nauseam. Last message they sent said if I call in they would take charge off but when I call in they say there is no such note on my file and they can not access message center (? ) to confirm. It's all beyond ridiculous and frustrating. They can't seem to understand I DID NOT MAKE OR AUTHORIZE CHARGE and keep billing me for it. Its like trying to converse with a fish to get this resolved.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian has ar itrairily added a fraud alert to my credit file without my approval, permission or request. This is preventing me from obtaining necessary credit. I have sent several letters along with the requested information to have this remived yet they refuse.

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 2016-05-11
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was paid late by my insurance but it was due to the fact that the doctors office in question submitted the claim incorrectly multiple times. My insurance contacted the doctors office and let them know as well. I was in contact with my insurance the entire time. My original date of service was XX/XX/2015.There are XXXX entries for this XXXX date of service on my insurance site. The doctors office turned me over to a collection agency that wanted to hear nothing but when I was going to pay a bill I did not owe. They have since reported this on my credit and I am in the process of trying to buy a house.

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 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. 
XXXX has removed all accounts associated with Account Name/Account Number : XXXX XXXX XXXX XXXX Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act all credit reporting agencies should report 100 % accurate. Pursuant to 15 USC 1681b I did not give permissible purpose as the consumer to furnish this false information. Failure to delete these accounts is a violation of my consumer rights and I will hold Transunion civil and criminal liable for non compliance pursuant o 15 USC 1681n of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Payments have been made on time suddenly payments were being reversed and after numerous payments being sent in various different methods payments were still being reversed after seeing payment exit the account. 
Numerous calls and contact to rectify were made now they are reporting delinquency to credit bureaus after their error to collect

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 2015-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has refused to resolve large financial discrepancies in my mortgage account, they 've refused to process a legitimate HAMP request, altered the loan documents after I signed and sent them in, and after I became insistent that they resolve the issues they put the condo into Foreclosure status without notifying me and sold it at auction despite knowing I had not been notified ( as verified by USPS records ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing keeps delaying the processing of my modification. I sent all requested paperwork to them. They call twice weekly saying the underwriters do not have it. I tell them I know you have it because I sent myself a copy. Then they find it and say it was mislabeled or it was n't sent to underwriters. Every time it sets processing the modification back another 5-7 business days. I spoke to a manager today who said that she was escalating the processing to UW. But I have been told this 3 weeks in a row. I was told I have until XX/XX/2016 before being referred for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: BB&T CORPORATION
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For the past 3 years, XXXX XXXX has been sending paper checks to BB & T for my auto loan. This past XXXX, XXXX XXXX sent them a check for {$470.00} on XXXX/XXXX/XXXX with an XXXX of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I receive a notice that I 'm overdue on my XXXX payment and I also owe a late fee of {$16.00}. So, I pay the amount for XXXX XXXX and XXXX XXXX for a total of {$820.00}. However, I find out with the help of XXXX XXXX that BB & T had contacted them yesterday to let them know that they had received the check for {$470.00} from XXXX. The XXXX XXXX rep even verified that it was the correct check number. So in essence, the money had gotten to XXXX & XXXX When the XXXX XXXX rep asked if I would be getting a refund for the late fee of {$16.00}, since the lateness was not really caused on mine or XXXX XXXX 's part, the BB & T representative said no. Based on the information that I was given, the fault was clearly with BB & T, who refuse to give me my refund. The .same refund that have the shoe had been on the other foot, they would 've charged me interest for years to come had I not paid that off. Their claim is that the address the check was sent to was an invalid address. I find it hard to believe that after sending payments to that address since XXXX/XXXX/XXXX, that suddenly it becomes an invalid address without anyone informing of that fact until now. The BB & T service rep even told the XXXX XXXX rep and myself that the checks that come in through the branch are forwarded to whatever loan finance department they have, which I 've learned only a week ago is located in XXXX, NC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: MAKENNA KALI & ASSOCIATES, INCORPORATED
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This agency -has no license in NYS -statue of limitation run out -reporting inaccurate information to credit bureaus -refused to provide a ownership of alleged debt -refused to correct their action

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