BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: AMERICAN EXPRESS COMPANY
State: AE
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:
American Express incorrectly calculated the amount basis for interest charged on my XXXX Card. The amount carried forward from my XX/XX/2022 statement to my XX/XX/2022 statement was {$3500.00}, however I was charged interest on {$5400.00}. With an interest rate of 20.49 %, this resulted in an interest charge of {$94.00}. The correct interest charge should have been {$61.00}. 

I called AMEX customer support at approximately XXXXXXXX XXXX on XX/XX/XXXX to dispute the charge. The customer support representative could not identify why I was being charged interest off of this amount and escalated the case with her management. As of writing, the case is still currently pending resolution with AMEX management ; however, the issue is not whether or not AMEX will correct the problem in this instance. The issue is that the interest calculation process is clearly automated, and this may be indicative of a serious issue with the way that AMEX calculates interest. If customers are not reviewing their interest charges monthly, it's likely they are unaware that they are being overcharged for interest. And even if they are, it's costly in time on the part of the customer to call AMEX for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX 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 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 non-monetary relief
Consumer complaint received 2017-05-28
Company: Experian Information Solutions Inc.
State: NJ
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 asked Experian to investigate my dispute through physical verification and provide me a complete file disclosure pursuant to FCRA, Section 609 ( a ) ( A ). I have also asked them to delete disputed items if they are unable to provide me a complete file disclosure. My first reques t was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . My second request was sent out on   XXXX   XXXX   XXXX    , of which they received my letter on   XXXX   XXXX   XXXX    . As of today, I have not received any disclosure that relates to the disputed items on my credit report. This is a violation of the federal law where Experian has denied my right as stated on FCRA. I ask you to step in and demand Experian to follow the law and provide me a complete file disclosure for the disputed accounts on my 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 explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX XXXX on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Credit Complaint Record XX/XX/XXXX Equifax - Disputed Items Account Name Account Number Type Disputed Since XXXX. XXXX, XXXX ( XXXX XXXX ) XXXX Collection XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX (? ) N/A XXXX XXXX XX/XX/XXXX Note : Page XXXX is the escalated notarized complaint to Equifax. 
Pages XXXX show that the XXXX account was removed 3 times from my Equifax report in XX/XX/XXXX! The credit bureau verifies that it is erroneous and takes it off but the company is practicing unfair reporting. Please have this permanently removed from my file. 
The XXXX additional " N/A '' accounts were payed off over a year ago and have not been removed by Equifax. 
Dear CFPB, The items listed above have been disputed multiple times since the initial date listed beside them. Attached please find the supporting documentation that shows what actions were taken through either me or through the XXXX XXXX XXXX to try and resolve these credit errors. I have attached the verified records of the credit disputes and pray that you will assist me with getting these items resolved from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'd want to have an inquiry removed from my credit report resulting from identity theft. I contacted XXXX about the fraudulent account in XXXX 2016. They immediately closed the account and said that they would submit information to the credit bureaus removing any reporting on the account. They have not done so. When I submitted the information to Equifax in XXXX 2016, I was referred back to XXXX. I spoke with XXXX in XXXX 2016 and XXXX says it will take 90 days to have the bureau update the information. Seven months is quite long enough to wait. My credit has been affected by this entry and I want the information on the fraudulent account removed immediately. XXXX has not lived up to is responsibility to remove the information and even when presented with evidence that the account is not mine, Equifax refuses to remove the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Pinebrook Holdings, LLC
State: MO
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
the lender removed money from a bank account i did not authorize for them to debit causing me to lose my mortgage payment so i will be behind in my payment. they also debited the same account 3 times for over the amount of the loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: CERTIFIED COLLECTORS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CCI continues to use illegal actions to collect fraudulent 'debt '. Most recently, CCI sent another letter dated " XXXX XXXX '', whenever that is ..., threatening me again with damaging my credit score for {$2600.00} on account XXXX. This is what I am assuming is a combination of 2 different illegal attempts previously from CCI to steal money from me. One for {$180.00} and a different one for {$2400.00}. 
The illegal attempt to steal {$2400.00} from me was disputed in writing on XX/XX/XXXX. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ). 
The illegal attempt to steal {$180.00} from me was first disputed in writing on XX/XX/XXXX. CCI responded to this dispute with another copy of the bill ( that doesn't even indicate what products or services the bill is charging me for ) on XXXX XXXX ( again, well after their required 30 days ) that did not provide verification of the debt or even remotely address the dispute. I sent a second dispute letter to CCI on XX/XX/XXXX providing overly clear description of the dispute and explanation of why the debt was invalid and illegal. CCI has yet to respond to this dispute, and well outside of their required 30 days, with verification of the debt or any further communication until this new threatening letter I received in XX/XX/XXXX that may or may not be related ( there's no details within the letter to know what the value they are trying to steal is related to, I can only make assumptions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: FL
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/XXXX I was a victim of fraud when 3 transactions were made in my name without my authorization, they were for XXXX and XXXX dollars, I knew it because the bank sent me a voice message, when I called them they explained the situation to me, they blocked my debit card and they started the investigation.On XX/XX/XXXX they told me that everything indicated that I had made these transactions and therefore they would not return my money, I believe that the investigation was not deep enough and that the security failed because it was the transactions were the same day with very little difference and no suspicions arose after the first one, notifying me when the damage was done, these conviction was reported by me by phone to the bank.Ihave communicated with consumer attention and with the police where I made a report andwith the company that received the money, hoping this can be solved.The bank is Chase and my name is XXXX XXXX Phone XXXX, email XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After actively using and promoting Paypal services for over 5 years, and trusting this company with my personal and business funds. This completely changed on XX/XX/2021. Prior to this, my businesses were using paypal with no issues. Come XXXX, I tried to transfer funds from my Paypal to my bank account and was unable to. I called Paypal and they told me I shouldn't worry, that it was only a measure they took and needed additional information. I quickly provided paypal all the information requested and waited a few days with no response, and transactions still processing into my paypal account. Days later, I receive a call that completely startles me, I'm told told that my account has been limited for 180 Days! That all funds in the account are on hold and non transferrable. This was the start of a huge downfall for my business. And much financial troubles for my family and continues to be. With multiple 5 figures in the account needed for cash flow. All orders have been delivered promptly, I am able to provide tracking for my orders. It has been several months now and I am still unable to access these funds. This is taking food out the mouths of my family and disabling me from paying my rent. I understand to PayPal this sum of money may not be significant, but in my situation this put me on the verge of bankruptcy. If I am unable to have access to these funds very soon not only my business will collapse, but my family will suffer as well. I have not abused PayPals services in any way, this must be a mistake. I have reached out to PayPal several times, but there is no response and if they do respond they do not answer my questions. PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months, but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Stallings Financial Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Sallings Financial Group dated XX/XX/XXXX. I sent them a letter back on XX/XX/XXXX informing them this is not a valid debt. The letter was sent certified with return receipt. I then checked my credit from all XXXX agencies. They showed this invalid debt on my credit report. I showed proof that the Sallings Financial never followed up in the 30 day window to show proof of debt. All 3 credit reporting agencies removed the invalid debt. I again sent Stalling Financial Group a letter explaining this and informed them of their illegal activities. I then received a letter dated XX/XX/XXXX. They are trying to refresh the date of them sending me the debt request. I have sent them a final letter to cease and desist. 

They are not following the law. I do not own this debt. I live in Florida and the debt is on a house in Georgia, that I do not own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: IL
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:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Credit Bureau Collection Services, Inc.
State: AK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has sent me a collection notice of a credit card debt that I am already paying to another collection company out of XXXX XXXX and have been for a while. They are attempting to settle this debt but has sent no proof that they have been contracted by the original creditor or the collection company I have already been paying to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: eToro USA LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account on the trading exchange etorro on XX/XX/2021 with two deposits totally {$110.00} made from my XXXX XXXX XXXX checking account. This deposit completed successfully. 

On XX/XX/2021, etorro said they lacked information about the XXXX XXXX XXXX although it is listed as an approved bank on their website. The etorro case number for this is XXXX. 

I have come to discover that I can not deposit new funds, I can sell lthe crypto currency I purchased, and I can not withdraw funds. 

Over time etorro asked for more proof of identity, which I provided. They told me to delete my bank, which was impossible because I am locked out from taking their requested action. 

I get pleasant email responses that they are reviewing my case, but as of XX/XX/2021 etorro has not fixed the problem. In effect, they are holding my money captive. 

At this point I do not know what to do to get them to fix the problem that they now acknowledge does exist. 

The corporate address for etorro in the U.S. is eToro USA LLC. XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 

I would appreciate any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: National Principal Group, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone has been calling my phone and family members about a loan that was done on line that I did not do and I have never taking out a payday loan online for any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX of XXXX I opened a chase savings account. I made a deposit of over $ XXXX. Ive estimated that im responsible for about $ XXXX that was accessed by myself. Ive tried to handle this with J.P. Morgan chase to which a representative told me that $ XXXX was actually taken, I then received a credit to my account of about $ XXXX. Thats not what was taken at all. Chase was responsible when I was not informed of suspicious activity on my account. For months they let transfers and charges and withdrawals that I did not and would not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have called and asked for a deferred payment. The customer service rep allow me to pay my payment over the course of three months the way the first payment was set up. I paid the way did they told me to pay. I can provide the information from my bank that it was paid to them and the day that it was sent to them. There is no information that I paid them might. They can not provide me anything that I paid late

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 2018-06-28
Company: CHARLES SCHWAB CORPORATION, THE
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
1. Applied for CS on XX/XX/XXXX. Got approved on XX/XX/XXXX. Debit card and paper checks got mailed out within 7-10 days later.

2. On XX/XX/XXXX, briefly after the account was opened, CS shut down without proper communication. I've been calling CS every single day or two to follow up since no one has contacted me regarding this matter/concern.

3. After days without answer, CS closed my account completely due to the " complicated matter of verifying my identity ''? Which also made no sense because CS never reached out to me while my IDs are always available to upload.

4. After endless calls and conversaions without much help, I am having no hope that CS ( from any department ) would be willing to deal with my account and do the right by me.

Data point : 1. Account has XXXX balance, 0 debit/credit transaction beside - A XXXX XXXX account verification - External account links to 3 other banks 2. Checks/Debit card both got ordered and sent out, apparently my account was fine until they started to mess with me and decided to drop the ball not to follow up. I've had enough phone calls to them to speak with multiple people to confirm who I am and my account opening.

CFPB would be the only place to file this complaint and force CS to follow up and do the right thing for customer.

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 2016-12-20
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
US Bank ( Bancorp ) refuses to pay for a homeowner 's insurance policy which is included in escrow as part of the mortgage payment. I have contacted US Bank no less than three times in an effort to resolve the lack of payment. Despite my previous requestes, US Bank still has not made the policy payment as requested. US Bank now claims I called them to request the distribution payment to my insurance company be stopped. My insurance company and I have been attempting to resolve this issue since the beginning of XXXX ( approximately 20 days ).

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 2015-07-15
Company: U.S. BANCORP
State: ID
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel like Wells Fargo is being discriminate against me because I am XXXX. Wells Fargo can not collect debt that pass the statute of limitation. Contract or written instrument and for mortgage foreclosure : 5 years. F.S. 95.11. The limitations period begins from the date the last element of the cause of action occurred, ( 95.051 ).

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 2018-06-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
For my new XXXX the Payment date XXXX fell on weekend and they will not let you make a payment on that date it defaults to the next business day. I paid on the XXXX before my due date and still today on the XXXX my account is showing past due. Its not even reflecting online. My payment only shows scheduled for today when I made it on the XXXX. Then it says allow 2-3 business days for it to show up.

Company response to consumer: Closed with explanation