BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Issue: Late fee

Complaint:
Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.

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 2015-07-02
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: The Stark Collection Agency, 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:
In accordance with the Fair Credit Reporting Act The Stark Collection Agency Account 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. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance. 

I have disputed this several times in attempt to correct the inaccurate information that is being report, however The Stark Collection Agency has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi Best Buy keeps letting fraud happen on my account. They keep balances on the old card numbers when they reissue the new card numbers. 

I have outstanding transactions that need to be credited- XXXX from XXXX on XX/XX/XXXX and on XX/XX/XXXX, a transaction from Best Buy that was n't supposed to be. I have called numerous times, even to the Executive Offices but they wo n't do anything.

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 2015-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Arbitration

Complaint:
My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that " XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for " XXXX ''. " XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. " XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Bank of America. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Bank of America is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-08
Company: APPLE RECOVERY, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted back in XX/XX/2016 by Apple recovery of XXXX, Arizona, they stated I owed {$23000.00} from a XXXX loan. I advised to them that XXXX/XXXX whom are now under investigation and being sued, frozed the funds put in my account from XXXX and then ultimately took the the {$23000.00} as well as my funds of approx. {$18000.00}. I was called by Apple repeatedly and sometimes even 4 to 5 times in a row to make a payment plan. So I did, I paid approx. {$410.00} dollars to Apple and requested a printout. I find out The debt was charged-off and XXXX/XXXX were in a multi class action lawsuit for the same thing they did to me, they did to XXXX of others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion customer service US handling would not help and take care of the negative inquiries reporting to my credit report. 
which are XXXX and XXXX I will like them removed

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 2017-04-09
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Three weeks ago I requested my annual free credit report online with www.annualcreditreport.com. A screen popped up and said I could n't have access to my online report yet, they would send me a code or pin to use by mail so I could access my report. I also requested 2 weeks ago by their phone automated system for my reports and still they refuse to send me my credit reports from Experian, XXXX, and 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 2017-04-11
Company: ACS Education Services
State: TX
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:
In XX/XX/2007 I put my student loan in deferance while going through a divorce that ended in foreclosure of my home. During that time, XXXX sold loan to ACS. At the time I owed {$1500.00} ish. With penalties and interest, my loan when to {$5400.00}. I 've been paying consistently the {$57.00} per month but I feel that the penalties and interest which almost tripled is accessive. When asked if the could reduce for a full amount pay off they said no and that I would have to reach out to the Department of Education for options. Do I have any?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Paypal Holdings, Inc
State: MA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX ( XXXX ) to make a dress for my brother 's wedding, I have all email and IM correspondances which she clearly stated she would make a XXXX/XXXX copy so we can ensure fit. My mother placed an order with her as well under the same assumptions and she stated again that she could do the XXXX. My mother sent her measurements within 24 hours of paying for the dress but never received the dress by the deadline, XX/XX/XXXX. When the dress arrived the quality of sewing was poor and unfinished. The material had oil stain. My outfit arrived the evening before the wedding ( XX/XX/XXXX ) not allowing time for alterations. Both items did not fit and were not quality made items and not as previously designed/discussed. I have pictures to document these concerns. When contacting XXXX, she refuses to come to a resolution saying the XXXX was an extra charge despite not disclosing this prior to payment or previous emails. She refuses to meet us halfway in resolving this issues. She took our money total of {$480.00} and is hiding behind NO REFUND POLICY despite poor craftmanship and lack of timely deliver as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I sent in XXXX checks ( {$6200.00}, {$4100.00}, {$4400.00} ) to payoff my student loans that I had taken out for my sons college education. The checks were sent in on XXXX XXXX. As of today, XXXX XXXX, the checks have not been posted. I have been told I sent the checks to the wrong address. I also have been told the checks were cashed already, but the money has not been credited to my account. I believe the accounts should be paid off with an effective date of when the money was received and I should not accrue an additional interest. 
I included a letter which stated if there was a problem and/or question to contact me at my email address or cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have called customer service trying to get a matter resolved. I have made 4 calls. The first call I was on line 45+ minutes and got someone and they transferred me. I waited for at least 20 minutes and did n't hear from anyone and hungup. Next, I called back. Another 45+ minutes to get matter resolved. No answer. Called again and about 40-50 minutes I got someone. They apparently were over worked and as they were not good to work with at the time. I am on the phone again today, I received someone on the phone in 33 minutes. They put me on hold again and I have been another 25 minutes and still no one back on the line. This is such a poorly run credit service. Please find out what the heck is going on. 
A very disappointed Customer. 
XXXX 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 2020-04-17
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice last week that my Citibank checking account was being closed. I got in touch with them and was told by a customer service rep that once my account had a positive balance it would be active again. My direct deposits had stopped due to being laid off from work due to coronavirus. Seeing as the customer service rep said the account would be active when it had a positive balance I took no further action. The reason for my inquiry on the account was due to the fact that my government stimulus check was going to be deposited into the account. It had a negative {$130.00} balance so after being told what I was told, which I have documented, I thought the stimulus money would cover the {$130.00} negative balance and I would have {$1000.00} for myself to feed my family on. The day that the stimulus was to be deposited into my account I checked it and it went from the negative {$130.00} balance to a {$0.00} balance. Then it said account was closed. I contacted Citibank and I was told that they could see my money was there and for me to call and they would reopen my account. Now, over the course of 3 days and communicating with 6 different customer service reps, 3 of them have said they can see my money is there but that they cant open the account. A fourth customer service rep told me that they would mail me a check for the {$1000.00}. Then the last customer service rep I talked to told me that my money had been sent back to the IRS, which is a lie also. I do not mind paying them what I owed for the negative balance but, I had been waiting on that money so I could provide for my family and they turn into monsters and decide that they are going to hold my money hostage. All of this has made me XXXX  as a man that cant provide for his family does not deserve to live. Its been lie after lie after lie. How could they, and would they, close a mans account on the day he is to receive such a deposit into it as this stimulus money was to be and for what it means to him and his family. They said that when a account has a negative balance for so many days it is then closed. Well they couldnt give me one more day in order to receive that money? And seeing as what familys all across this country are going through. Now, I cant get ahold of anyone and do not know when or how I am going to get access to my money in order to feed my family. Citibank are monsters!!

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 2015-09-09
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Transworld Systems Inc XXXX TSI XXXX., a collection agency ( XXXX ), has not contacted me regarding a medical debt that this CA is reporting on my consumer credit file. This agency is in violation of the FDCPA for not disclosing my rights to dispute this debt. 

TSI is in violation of XXXX laws pertaining to reporting " medical debts '' to the ( XXXX XXXX Credit Reporting Bureaus before XXXX 6 XXXX months of last payment and not allowing sufficient time for my medical insurance to cover the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
RELATED TO CASE XXXX DATED XX/XX/2015 WELLS FARGO BANK. WELLS FARGO BANK, SERVICER AND REPORTEDLY LENDER XXXX XXXX XXXX HAS FRADULENTLY SOLD HOME.USAGE OF FABRICATED DEEDS. I REQUESTED DOCUMENTS OF SALE AND WAS REFUSED. I AM REQUESTING DOCUMENT TO VERIFY SALE WITH PROOF OF PURCHASER AND TITLE FOR NEW OWNER TO VERIFY REGRISTERY.

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 2017-03-02
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
XX/XX/XXXX changed insurance to XXXX XXXX XX/XX/XXXX Insurance disbursed was XXXX XXXX where is that monies ) You said a partial refund was deposited into my escrow XX/XX/XXXX of XXXX. So that mean I should have been over my escrow amount. So I should have gotten a refund. 
Escrow statement dated XX/XX/XXXX my XXXX payment is XXXX Escrow statement dated XX/XX/XXXX my Current payment is XXXX That is not my current payment. I am payment more for my Mortgage then suppose to based on the Escrow statements. 
Where is he refund. Someone is doing something with this money.

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 2023-04-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I keep being overcharged and American Express has been unable to fix it. 

On XX/XX/2023, I booked a fully refundable hotel through American Express Travel ( AMEX Travel ) using my American Express credit card, cost was {$230.00}.

I used points to cover that purchased. As expected, my credit card was debited {$230.00} from AMEX Travel and received a credit of {$230.00} related to the points redemption, and my points had the expected amount deducted. 

On XX/XX/XXXX, I had to cancel this reservation and on the same day I received a credit of {$230.00} on my credit card. 

On the next day ( XX/XX/XXXX ) I was recharged {$230.00}. It looks like it was due to the points being returned to my account, so it makes sense AMEX would charge me and return the points. However the points never returned. 

I contacted customer service on XX/XX/XXXX, the representative confirmed it was due to points but don't know why this was done automatically as this is something they need to initiate. She returned my points. 
On the next day ( XX/XX/XXXX ), I was again charged another {$230.00} on my credit card. 

I contacted customer service again on XXXX XXXX, and spoke with a supervisor. Initially the supervisor told me everything is correct, but I explained again these extra charges. 
Then, the supervisor asked me to deal with American Express Travel.

Please note that none of these unexpected charges are able to be disputed. Because they all come from AMEX, AMEX does not let me to open a dispute on them.

Second, AMEX Travel shows as fully cancelled and refunded.

Unfortunately, AMEX has shown a few times a problematic billing system. I recently had an offer for paying insurance with the card that I had to follow up several times ( {$30.00} credit for paying insurance with the card ) - it did not credit automatically, and required many follow ups. It was eventually fixed, but it shows a very unreliable billing system. This is for a card where the business model is to charge a high annual fee ( {$690.00} ) and provide many different small credits. 
There are many complaints about delays or lack of credits ( e.g. entertainment credit for XXXX, XXXX, etc. ). 

This card is giving me more stress than joy since I need to keep a very close look on all the promised credits, and follow up several times to make sure I receive them. This became work instead of joy. 

AMEX used to be better but now requires a lot of work, or I face financial loss because credits/refunds do not process as expected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX, we needed to put our son in XXXX school to help him XXXX, and could not afford the lump sum at the time. To still be able to give him what he needed, we took out a student loan from XXXX XXXX, of only {$3800.00}. We have made payments of between approximately {$42.00} and {$48.00} per month, as directed by XXXX XXXX, for over 7 years to this date, XXXX XXXX, but the loan payoff had only reduced to {$3300.00} - by merely {$500.00} - over the course of 7 years. The payoff date shows as being in XXXX. 
When we got this loan, we had no idea that it would be so unbelievably onerous. It was with XXXX XXXX, who in fact had our federal loan, which was so easy to manage. This is horrible - the interest rate is 10 %, but this feels like it is worse, from the standpoint of how long they are taking to pay off such a small loan, than even high interest credit cards - if not similar. How is there any reasonable way that over seven years of payment sof close to {$50.00} per month result in a loan principle reduction {$500.00}? That is truly unbelievable, and completely immoral. We were in no way clearly told that the loan was essentially being structured like a front-loaded 15-year mortgage, vs. a basic, standard, simple interest loan. XXXX XXXX has offered no recourse or alternative other than paying off the loan in full, and has been completely uncooperative in looking at any way to structure the loan in any way that could be seen as reasonable. 

This is a {$3300.00} loan - there is no justification to structure a {$3300.00} loan like a 15 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Bread Financial Holdings, Inc.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Abo ut 7-8 y rs ago I went to a casino in  XXXX  and signed up for a MasterCard/Total Rewards at   XXXX   XXXX   XXXX   . I a lso signed up for insurance coverage agreement that came with the card. The agreement states that through   XXXX   XXXX    XXXX   ( a product of Comenity ) if I becam me  XXXX  the bal ance would go away, and they would not harass me for money. I became  XXXX  and provided all the requested info to collect the money, but the insurance/credit card people kept asking for more docs. I am owed {$2700.00} that should b e removed from my credit and my credit score should indicate that this was an error by Comenity.

Company response to consumer: Closed with explanation