BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: APR or interest rate

Complaint:
I had a promotional APR of 0 % for 18 months on my chase credit card. The promotional APR ended on XXXX/XXXX/2017. When the promotion ended, I had a balance of XXXX, so I was charged a daily interest on the XXXX balance. I called chase and asked XXXX ( customer service representative ) how is my interest charge calculate. I was told that the promotion ended on XXXX/XXXX/2017 and from that day on, they take the APR divided it by 365 and apply that percent to my daily balance until I pay off the balance. However, he said I also pay interest on daily purchases. I did the calculation and the system calculated the interest charges correctly but the customer service representative was trying to convince me that If I made a new purchase of {$50.00} on XXXX, I start paying daily interest on the {$50.00} on XXXX XXXX until I payoff the full amount. I was very confused with this because if I make a purchase on XXXX, I have a until my account cycles XXXX and I should not be paying daily interest on the {$50.00}. If I do not pay the {$50.00} before my due date than the daily interest charges can be put on my account for the {$50.00}. 
Foreign transaction fees for airfare purchased on a website. The payment was made to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, a summons was left at my door saying I am being sued by Calvary SPV 1, LLC, represented by XXXX XXXX XXXX for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to XXXX XXXX XXXX and the court. I then received a false response by XXXX XXXX XXXX dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, XXXX XXXX XXXX sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
On XXXX XXXX I received the attached letter from " FORD : Security Operations ; XXXX XXXX S.D. ( believed to be XXXX XXXX ). The letter is very disturbing threating reinstatement of an unpaid account & financial delinquency reporting to Credit Agencies. The report is specious and unsubstantiated. The Ford Service Credit Card : XXXX never solicited by me. Unknown to me the credit line was initiated in XX/XX/XXXX & paid in full that year. In XX/XX/XXXX a hard copy credit card was received in the mail. Upon receipt & investigation the account was cancel with a balance of XXXX ( XXXX ). The plastic card was destroyed. On XXXX XXXX XXXX the issuing bank was called : In summary their transcribed report stated : " Account close with XXXX balance ''

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 2016-06-18
Company: Santander Consumer USA Holdings Inc.
State: CT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Company is Chrysler Capital out of XXXX Tx. 
I purchased a 3 yr car lease through Chrysler Capital in XXXX XXXX. From the start of the lease I was billed wrong and the account was reboarded several times. I asked for a copy of the correction that was done XX/XX/XXXX and never received it, also asked for a paid in full letter for the contract and was refused a letter as well. I purchased the car on XXXX XXXX, XXXX and asked that I be provide with something that says my contract is pd in full. Chrysler refused to give me a letter. Instead they sent me a email stating all payment were made on the account. It did n't say paid in full or contract pd In full and I could n't use it because it did not say the account was closed or pd in full. They are reporting is open on my credit with a balance and it is causing problem for me. I have a new finance company that I am financing the car through. I have asked them several times to correct it since I no longer have an account with them. But they wo n't. 
They also owe me a refund because I was overcharged on my car registration and they wo n't refund the money to me. They wont let me talk to anyone In titles and registrations or the Credit Dept to get the problems fixed. I did a dispute with transunion but Chrysler Capital said their was no change so the report still shows acct open and not closed. 
Every time I call there I get a different answer and they wo n't let me talk to the XXXX I need to talk to the person I need to to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On  XXXX   XXXX ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.

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 2015-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Bank of America acknowledges receiving the payment but to date the payment has not been posted. 
BOA can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to BOADate of payment - XX/XX/XXXX/15Representative - XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The account appeared on my report I contacted XXXX. No debt was found. I disputed the account from my credit report. The item was deleted from XXXX and not from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have attached 4 FTC reports with an Account and inquiries I did not authorize, Please delete from my Experian credit report

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 2022-11-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has recreated accounts for a medical debt that should not be on my credit report. They did this previously. I challenged such it was taken off. They have found a way to RE-AGE this bill and place it again on my credit report. I will be taking this to the state attorney office for further follow up. I will need a detail account of this bill to see what is owing and who this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I am retired aged XXXX years. I lost my job XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and two times XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate and principal amount to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XX/XX/2021 midland credit started calling me and making threats to sue me if I don't pay a debt that I have any knowledge about. I continued to explain this to the company and they didn't stop with the calls one lady asked me if I was ready to go to jail. My identity was stolen. I was not even given any notice that I can even dispute this just a bunch of threats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Bank of America has illegally placed an inquiry on my credit report on XX/XX/2016. When I called they can not locate my information on why this inquiry was placed. The inquiry still has not been removed. Please remove from my XXXX credit report. Thank you

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 2022-11-15
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/22 i was scammed by thieves pretending to be wells fargo. Using wells fargos phone number because i tried to call it back and it went to wells fargo, they and broke into my business account and transferred out {$23000.00}. i called wells fargo as soon as i figured it out later that night to try and get them to stop the transaction. I was told to call back in the morning first thing. I did that right when they opened and they told me it was too late. They would do an investigation so i have been waiting for 10 days to hear from them. Today i received a letter in the mail saying that there was nothing they could do and the case is closed. Please i need help this will destroy my business.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I, XXXX XXXX XXXX, am action on my own behalf and HAVE NOT hired a third party to settle this dispute. This dispute was not done in error. 

Let this be known to all that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done AL TEACHERS can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX  XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

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 2015-12-03
Company: ZENCO COLLECTION, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX XXXX stated to me that I was committing fraud by not paying on this debt and that they are filing paperwork with the XXXX county courts. I do n't nor never did have the alleged account in question. They also disclosed my last XXXX digits of my Social Security Number to my parents and when I spoke to them they repeated it back to me again. There were told not to call myself and my parents house and the still did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I used my Wells Fargo online banking to transfer {$1900.00} from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Wells Fargo Bank. The transfer was successful and posted to my Wells Fargo checking account on XX/XX/XXXX. 

On XX/XX/XXXX @ XXXX I received an email titled, " Bank-to-Bank Transfer Unsuccessful from Wells Fargo '' The email stated the transfer was not successful with a reason of, " XXXX Insufficient Funds ''. 

My first call to Wells Fargo was XXXX minutes and XXXX seconds ( of my time ) to tell me their system shows XXXX 's system rejected the transfer due to insufficient funds. They let me know there was nothing they could do to help and referred me to XXXX. 

I reached out to a family member to loan me money to avoid my mortgage payment being rejected. This caused additional stress and embarrassment. 

I reached out to XXXX  via chat. Their first response to my inquiry was, " I show that amount being withdrawn from your account on XX/XX/XXXX. I do not show record of it being returned. If you would like I can provide you with the trace number that you can give to them [ Wells Fargo ] to research with! '' The representative then provided me with this tracer number. 

I then called Wells Fargo back. This call was XXXX minutes and XXXX seconds ( of my time ). The first representative let me know there was nothing that could be done and that her system was showing it was rejected. I ended up asking for a supervisor. She did not get me a supervisor, but instead, escalated me to her, second level of support. I spoke with XXXX more individuals insisting that I had the money in XXXX and that XXXX was insisting they did not reject it. I offered the tracer number XXXX. Finally, the last individual I spoke to offered to file a research claim. My confidence is low that this will resolve the issue. 

As of today, the money is not in either of the accounts. I would assume it will show back up in XXXX and I will have to spend more of my time to get it back to Wells Fargo due to scheduled payments that will be coming out. 

At this point I do not know if the error was on Wells Fargos end or 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 2016-10-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
hello, in 2015 i opened macys credit card, and i used it purchase furniture at XXXX, but i did n't receive my card therefore they sent me another card. But they did n't transfer the purchases i made with the XXXX card. i found out the issue through my credit report when XXXX ( citi bank ) reported charge off account to the credit agencys. 
My credit score dropped and i got denied from other credit cards and loans. I have been calling macys and citi bank to rectify this issue and i got no help. Please help me to resolve this issue. 
Thank you

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 2022-11-15
Company: Experian Information Solutions Inc.
State: MD
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:
My Account with XXXX XXXX  was charged off. XXXX agreed to settle my account in full for a payment of {$3300.00}. Once payment was received they agreed to report to all XXXX Credit Bureaus as a XXXX balance settled in full status. On XX/XX/2022 It was paid in full with cash at the XXXX XXXX MD branch for the amount of {$3300.00}. The teller was on the phone with XXXX representative and confirmed I paid cash and that everything was complete and settled attached I have the settlement letter and receipt of payment. I want them to Update to a XXXX balance as settled in full to all XXXX credit bureaus. They said everything cleared at the branch I dont want to wait XXXX days for an update on my credit report when they know its clear on their end.

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 2022-11-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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