BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I opened a credit card account at Macy 's at the end of XX/XX/XXXX to buy a couch. The deal was 12 months no interest. After the 12 months, the interest kicked in at over 25 %. It was my understanding that that rate would be applied to any balance left over after the 12 months was up. I made payments each month. By XX/XX/XXXX, the balance on the card was down to {$220.00}. I made a payment of {$120.00} on XX/XX/XXXX, leaving the balance at {$100.00}. On XX/XX/XXXX, I went to make the final payment on the account. This is when I discovered Macy 's added an interest charge of {$170.00} to my account. I called the customer service call center in the XXXX. I was told that the interest charge, if the balance was not paid in full within the 12 months, was retroactively applied to the ORIGINAL AMOUNT of the account. ( I purchased the couch for about {$900.00} ). I explained that this was very different from my understanding of the 12 month promotion and also noted that the most recent statement ( attached ) states that the " balance subject to the interest rate '' was {$270.00}, not the $ 900-plus original cost of the couch. I asked to speak to a supervisor. XXXX, a supervisor, came on the phone and explained that it interest was applied retroactively. He offered to issue a {$50.00} credit to the {$270.00} I am alleged to owe Macy 's. I told him that I was angry and disappointed. I requested he close the account, give me the final balance minus the {$50.00} and that I would pay that. So I 'm swallowing {$120.00} because I know that it could take time to resolve, and apparently interest will keep accruing on the original balance. I am not a person who can afford a random {$120.00} here or there. I feel I 've been cheated by the issuer of this card and by Macy 's and I 'm tired of feeling that I 've been taken advantage of. Ultimately, I 'd like a {$120.00} refund from Macy 's.

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 2022-04-21
Company: ALLY FINANCIAL INC.
State: WA
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:
The bank Ally that holds the lease on my vehicle agreed to remove the late payments that happened while I was XXXX XXXX XXXX 
They did remove the late payments but shortly after they put the late payments back on, as soon as I was able I payed the payments in full and have been current ever since.

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 2022-04-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
Bank XXXX XXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXX XXXX XXXX CA XXXX I only work for 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 non-monetary relief
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Credit report showing negative payment history to them for federal student loans however, I never received emails, physical mail, or any other form of communication stating there was a balance or payment due. From all communication originally received, amounts granted were considered grants, not debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 1 ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX Account # XXXX XXXX payments never late has violated my rights. 

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

15 U.S.C 1681 Section 604 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 explanation
Consumer complaint received 2022-04-20
Company: BARCLAYS BANK DELAWARE
State: TX
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 XXXX I purchased an XXXX XXXX  for {$550.00} after tax using the Barclays / XXXX XXXX XXXX  credit card. The purchase posted on my redit card XXXX. One of the published benefits of the credit card is extended warranty protection. When the XXXX XXXX  failed outside of the manufacturer warranty on XXXX, I contacted Barclays customer service to file a claim. The documentation on Barclays website advised me to file a claim at XXXX ( XXXX, XXXX ). 

I filed a claim ( Claim XXXX ) on XXXX 's website on XXXX, and was asked to provide additional documentation : Sales receipt, statement of manufacturer warranty, credit card statement. Additionally, a repair invoice and diagnostic from an authorized service center stating what is wrong with the product. Finally, on XXXX they tell me to call them because there is an update. I do, and they tell me that they do not offer extended warranty protection benefit for this credit card. 

I call XXXX about the benefit, and they tell me I need to talk to my credit card provider ( Barclays / XXXX ). So I call Barclays customer service XX/XX/XXXX and ask them to confirm that my card has extended warranty protection. They say it does, so I explain what happened. They say they will open a case ( XXXX ). A month later on XXXX, I call to ask for a status update for the case and they tell me they can not provide information, I need to talk to their Disputes Team on a different phone number. I call the disputes team, and I'm told the case was cancelled XXXX, and that I need to call XXXX. 

I ask to speak to a supervisor, because this was going in circles. They transferred me to one, and this time they actually got XXXX on the line to confirm XXXX statement about not providing the benefit, but that the benefit WAS advertised for my card. they again took notes about the problem, and opened a new case ( XXXX ). 

I am filing this complaint here in tandem because I have already spent a lot of time trying to figure this out for them and I feel that other consumers should not have to go through this trouble.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Capital One - 1 ) Refused to give me credit for the rewards dollars I accumulated on their credit card. 
2 ) Refusing to close my account twice even with a zero balance I opened a credit card account with Capital One earlier this year. The magnetic strip on my card stopped working so I requested a new one. During this time we moved to a new address for the first time in 28 years. They suspended my account and asked for all sorts of written documentation to be faxed to them. It would have been difficult to locate, given our move, and I would have had to travel some distance to a XXXX office to fax it, so I refused. I asked them to close my account and credit me for the {$120.00} of cash rewards I had accumulated. They refused. They made me pay my account in full without using my credits saying it was because they had suspended my account, so I 'm out the {$120.00}. Then they never closed my account as I requested despite having a XXXX balance. I just made a second attempt to close the account, was on the line for 30 minutes, and then they refused to do so until an investigator finished " investigating the account. '' I told them I was making notes of the conversation for this complaint and they hung up on me because of that. OK for them to record calls for training purposes, not OK for a customer to make notes of a call. I will now monitor my credit reports closely as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: MD
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 # XXXX ), & XXXX. XXXX, XXXX- account # XXXX has violated my rights. 



15 U.S.C. 1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXT Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2015-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this is what happened after the first complaint settled BOAI finally got into a modified loan, but I dont know how they came up with the number not including the escrow. On XXXX I fell on the job and was hurt. I have injuries to my XXXX. I knew right after I went to the urgent care I 'd need a lawyer. My company XXXX is not paying me right, they are suppose to pay me 35 hours which I have never had at my hourly wage. ( 66 % ) after getting XXXX payments, they lowered it XXXX more. The day after I had this happen I called XXXX XXXX and told her there is no way I can pay what they told me I was going to have to pay ( house payment ) now it is XXXX plus shorter. i was transferred to another loan person, I want to say her name is XXXX. On XXXX different occasions she told me she mailed out a packet never got until last wednesday. She told me they do XXXX modifications in the first 5 years. I explained I dont get enough money to cover house, car, food, utilities, some bills I have been paying on. My food stamp amt is XXXX waiting for them to fix it. My worst fear is not having a job to go back to, XXXX doctor said with the damage I 'd probably not be able to lift XXXX-XXXX lbs with right hand. I have been applying for other jobs I can do. Then if I get a job do I wait to have surgery later, at this time none of the damages to my body has received any medical care. The papers sent to me I am neither the owner or co owner, I sent in my information as best as I could. I will be mailing this on monday. The amusing or not so amusing issue is my house will be paid off in XXXX. Im not going anywhere, I have to stay in my home 10 years for getting the NC foreclosure loan. My house is not in the best shape, it is not worth the current loan amount. Until my health issues are completed or I get a new job I am between a rock and a hard place. ( in a home or on the street ) Never have I had a financial institution knowing treat their customers this way. Its like they go out of their way to create more stress than we already have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2022, I received a predatory loan modification from Shellpoint that should have been a XXXX XXXX XXXX modification subject to people affected by Covid -19.

I emailed Shellpoint escalations, loss mitigation, my dedicated account representatives, and the XXXX on XX/XX/2022, XX/XX/2022, and XX/XX/2022 that I want my XXXX XXXX modification to go forward and to remove # XXXX, the attachments, and fix the capitalized interest. As of the date of this complaint, Shellpoint has not responded. 

Shellpoint refused to correct Ditech 's error in overcharging me for escrow. In Texas, the servicer can not estimate, they must use the previous year 's expenses. When I should have had a credit, Ditech deceptively showed a short. Shellpoint refused to correct it stating that they took what Ditech gave them. Then, instead of accurately counting my payments, Shellpoint held funds in suspense and claimed I missed payments. Plus, charged property inspection fees that are not allowed under my note. 

In the modification agreement, Shellpoint includes " Additional '' items in number XXXX. These do not allow me to sell the property or transfer the modification to an heir. Interest should not be charged on the modification because I was affected by XXXX. 

Shellpoint, not only charges interest, but also overcharges. All the fees that are supposed to be waived, Shellpoint includes them in the " Additional items. 

The XXXX language allows them to void the entire modification by giving the the right to demand the escrow short during the months that I was affected by Covid.

The escrow language also double counts because the escrow account says there is a current short, which is part of the new modification amount, but the escrow short is also added to the back of the loan in. 

Shellpoint also wants me to sign an errors and omission statement while they are creating errors and omitted a second page of the disclosure pages. 

Shellpoint wants me to sign a Texas loan note with the incorrect amount that I owe with the capitalized interest including Shellpoint 's legal fees. 

Shellpoint included incorrect court records where the note is located and incorrect property descriptions. 

Shellpoint includes no oral agreements, which I do not know if that includes email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the FCRA the following companies listed below have violated my rights as a consumer. The Credit reporting agencies stated the following were properly investigated but the opened date is inaccurate, and the date last reported is not accurate. That is ground for removal. 

Accounts XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$26000.00} XXXX  XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$220.00} INQUIRIES XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX My rights were violated under the following 15 USC 1681 Sections.

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 611 ( 2 ) ( a ) states the Credit reporting agencies have 5 days to notify me from when the receive my disputes.

15 USC 1681 Section ( 5 ) ( a ) ( I ) ( II ) states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the file of the consumer.

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 2016-02-13
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: RI
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXX has violated my rights. 
DPT ED/XXXX Account # XXXXhas violated my rights. 
XXXX ( original XXXXXXXX XXXX ) Account # XXXXhas violated my rights. 
XXXX XXXX ( original XXXXXXXX XXXX XXXXXXXX ) Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 
XXXX  Account # XXXX has violated my rights. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation