BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ). 

A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX. 

Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account. 

On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day. 

I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check. 

On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021. 

On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service. 

I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
American Express Membership Rewards Program states on their website that if you book a trip with Membership Rewards Points and cancel the trip the Points will be returned to your account in the form of a statement credit.  American Express will not issue credit to my account as their Membership Rewards Program states.  I spoke to XXXX (Supervisor) and she was going to forward a request to the website department to change the wording online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Navient Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from Navient- five to eight times a day from early in the morning through to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have previously submitted a certified letter on XX/XX/XXXX and XX/XX/2016 which was received and signed for requesting that a dispute be initiated for a Chase account which is reporting incomplete and inaccurate information on my Credit Report. After the dispute process this account was verified and still displays information which is incomplete and inaccurate. The following is a list of incomplete inaccurate or information contained in Chase account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last XX/XX/XXXX I jus received this email from PayPal I've been using this account since mid last year. After a review of your account activity, weve determined that youre in violation of PayPal 's Acceptable Use Policy. Specifically, the sale of unapproved file sharing services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds. If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds. 
If there are chargebacks that result in your account balance falling below XXXX, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: FL
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
I initiated a balance transfer from Chase bank XX/XX/2016. No where did the offer define how much my minimum payment would be. The transfer amount was {$13000.00}. Unfortunately I have been using balance transfers for years and usually minimum payment is very minimal. I was shocked when I received my bill after the balance transfer took place telling me the minimum payment due was {$660.00} First I called the credit card department and was told that was just the way it was. Then I went into my local bank and spoke with a banker and then the bank manager. Both of them looked everywhere, on the bill, the balance transfer offers they send and nowhere could we find how the minimum payment is calculated. The bank manager and banker did call and speak with the credit card department on my behalf as they agreed with me about how could they charge that type of a minimum payment without letting me know. 

Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-19
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 Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXXt # XXXXXXXX XXXX  XXXX Account 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 2018-09-29
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender failed to calculate the payments according to the terms of the loan documents. 
This was a negative amortization loan and they failed to do the calculation in pursuant to the terms of the loan. The problem was till XX/XX/2014. 
They failed to provide a complete payment history from the day I took the loan. 
I requested again by sending a QUALIFIED WRITTEN REQUEST. ( QWR ). 
THEY IN TURN STATED WE HAVE TO DO A APPRAISAL. Before we can comply with your request. 
The Appraisal have nothing to do with the payment history. 
I strongly feel they missed payments which i made and need accounting

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/20 the full balance of the account was paid in full. 

On XX/XX/20 an interest charge was applied for {$76.00}. 

On XX/XX/20 I spoke on the phone to a Wells Fargo customer service agent who advised me that the fee would be waived and my account would be credited {$76.00} to offset the charge. 

I waited for some time and saw no transaction reversing the charge. 

On XX/XX/20, I initiated contact through Wells Fargo 's message center. 

On XX/XX/20, nearly a month later, I received a response stating : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 
I apologize for the delay in our response. 
I received your email regarding the charge of {$76.00} that is showing in your account. 
Our records show that on XX/XX/20, we processed a reversal of the fee. 
You'll see the adjustment on your next billing statement. '' It's now XX/XX/20, and my next billing cycle, and there is still no reversal of the charge. 

The least sophisticated consumer in this case would likely have taken Wells Fargo at their word and assumed the charge would be reversed. This would have created a situation where the account would continue to roll forward in delinquency and impact the customer. This is an unfair or deceptive practice. It's preying on unsuspecting consumers, many of which are experiencing a terrible time financially. It just so happens I actively use and pay the account and have monitored the situation. 

I've now worked through a phone contact, email contact, and a CFPB complaint. My next step will be to consult with an attorney if this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

I would like all my unauthorized Inquiries, my derogatory remarks, late payments, public record, closed accounts removed. Many Of these accounts fall under the statute of limitations or are misreporting on my credit report. 

( Please remove any and all unauthorized inquiries from my reports as I have No knowledge of ever filing any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privy to any of these filings. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: TX
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 **** I have sent 2 letters certified mail requesting to validate two accounts above ( XX/XX/20 & XX/XX/20 ). Experian sent the responses after two weeks of each letter sent and has not given me adequate proof of debt. XXXX  was not able to validate the debt and removed the account. How was Experian able to validate the account?

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 2015-11-08
Company: Alorica Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received notification on XXXX from XXXX XXXX that a collection had been placed on my credit report by West Asset Management. I contacted their customer service, and their rep informed me there were no active accounts placed with their office in my name and the reporting was an error and it would be investigated. I received notice on XXXX, and XXXX that it had been placed on the other XXXX bureaus so I contacted their customer service group again. 

This time their representative stated that I had a bill due to XXXX XXXX by XXXX for {$240.00}, and it had not been paid. It was sent to their office on XXXX and eligible for placement on my credit report on XXXX. 

I then requested the reason I was not notified of this bill, and the answer I received was that their office sent a letter to me at an address that I moved away from in XXXX of 2015. I explained that they sent the information to an old address and I was never notified and granted my 30 days to review and dispute the collection. Their representative told me that it does n't matter if I received the letter, because their only responsibility was to send it and it mattered not where it ended up. 

I then said I would pay it, but that I required it be removed from my credit report. Their rep answered by stating it would be marked paid, but not removed. I restated my demand and informed the rep that West Asset Management did not act within the limits of the Fair Credit Reporting Act, and the answer I received was that their lawyers were n't afraid of me. 

I contacted XXXX XXXX, and explained to them what had happened. Their customer service rep saw in their system where I had left my new address but their office was still communicating with me at the old address and the error was on their end. 

I paid the outstanding bill over the telephone with my checking account on XXXX and it cleared my account on XXXX. The XXXX XXXX rep informed me that they apologize for the error and they would have the collection agency remove the item from my credit report. 

West Asset Management has since marked the item " paid '' but refuses to remove it. It should have never been placed there, and did as a result of an error beyond my control, therefore they are obligated under the law retract the false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
We've had the American Express card since XXXX, have never fallen behind making payments, now comes Corvid-19 and the XXXX  is not making hardly any money to pay all the bills, while all the other credit cards has kept us in the Corvid-19 payment deferment, when I tried to reach out XXXX to American Express via chat and spoke to one of their account specialist he told us that they were not able to extend anymore help with the Corvid-19 that they already gave us 2 or 3 months that we had to pay the past due bill by XX/XX/XXXX otherwise it will assess late fees and interest, I find this so unfair that every other credit card is working with us but they won't, the only thing that he said we were eligible for was a short term financial relief program offering up to 12 months of support with an APR of 5.99 % and the payments would be XXXX per month, and we must paid the first month up front to be eligible for this program, really? how? we are hardly making it as it is, they are making it very hard on us, so so disappointed to find out how inconsiderate they are, we didn't ask for this, is going to be slow for the business to pick up, people have no money at this time. How can they not give us more time, this pandemic is a slow process people has just recently gone back to work and that's not everyone. I don't understand why if all the banks out there are still helping out the consumer with the Corvid-19 deferment that American Express won't do the same. We need more time for the XXXX  to pick up. Is not fair to want to offer us a short term financial relief program when we dont have that kind of money to pay right now and on top of that charging us interest? really! It seems that with American Express is all about money they dont care what kind of situation the consumer is in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On  XXXX /17< I contacted   XXXX   XXXX   regarding an my inability to open a checking or savings account and wanted information on the cause.  I recived a copy of informatin from   XXXX   XXXX   and began to due the inaccurate information for Bank of America.  I had disputed the same information with another company called   XXXX   XXXX  , unsuccessfully.  
On  XXXX /17, I received the ecnlosed infromation along with a copy of a check bearing a signature, that "IS NOT MY SIGNATURE". On  XXXX /17, I immediately called  XXXX , that   XXXX   XXXX   said should be used for BOA, they transferred me five(5) times and still no results.  I asked of the Collections depat of BOA, where can  fax my State Id and Social Security bearing my SIGATURE, but they do not have anyone or anywhere to send the information. BOA HAS ACCUSED ME OF FRAUD, I HAVE NOT BEEN ABLE TO GET A CHECKING OR SAVINGS ACOOUNT BECAUSE OF THIS INFORMATION, AND YET THEY HAVE NO ONE WHO CAN HELP ME RESOLVE THSI!!!

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 2023-02-03
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited {$1000.00} they only gave me access to {$300.00} for over a week. Not giving me access to my money. I you want a bank that will be there for you and let you have access to your money XXXX XXXX XXXX  would be one to avoid.

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 2020-10-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinance my mortgage with Navy Federal Credit Union on XX/XX/2020 with the interest rate of 3.375 % 15 year fixed. My account information reflects a higher interest rate than what I agreed to in the closing documents. I have contact Navy Federal to correct the issue but there has been no resolution on 2 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Due to the recent Cares Act, XXXX XXXX improperly entered in the wrong code and as a result it dropped my credit score at least 40 points, which it is currently at XXXX from what TransUnion, XXXX, and XXXX  XXXX  are reporting. I contacted XXXX XXXX and TransUnion regarding the matter on XX/XX/2020. XXXX XXXX informed me that they had already sent off the updated information to the credit bureaus and that it was up to them to update the information. However, when I called TransUnion they couldn't give me any information regarding the recent change in my credit score and attempted to have me dispute it, but I was unable to check the status of that dispute due to their website having issues with my account for some reason. I tried contacted both parties again today ( XX/XX/2020 ), however again I wasn't provided any clarity regarding the matter.

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