BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent several dispute letters regarding several accounts that are being reported inaccurately with late payments even though I pay everything on time. I sent letters to the bureaus XXXX, Equifax , and XXXX. They have written back to me several times promising that they have done research and have fixed the reporting. However, there are no actual changes in the report. This has been going on for several months and they seem to be ignoring the mistakes. They have not provided me with any documents proving these late payments are accurate. Please make sure they delete the status immediately on the following accounts : XXXX XXXX XXXX account- # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX and account # XXXX, XXXX XXXX account XXXX XXXX and account # XXXXThere is also XXXX account which all three bureaus must have realized the late payments were incorrect and deleted it. However, XXXX suddenly started reporting the late payments again. This account is : XXXX- account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have been a victim of identity theft. On XXXX XXXX, 2015, I paid a fee for a full " security freeze '' on all XXXX credit reporting agencies. XXXX, XXXX & Equifax. I was contacted on XXXX XXXX, 2015, by an online retailer calling my home phone to verify an application for credit, since they were able to veiw my credit report and saw there had been a fraud alert placed on my information, to a company called " XXXX '' ( several weeks after I had paid for a full security freeze be placed on my credit accounts ) The online retailer was able to access and view my credit report via Equifax, even though I have paid to lock down the viewing of my reports by any thrird parties. I have made several attmpts to contact the Equifax agency, and have not been able to speak with any company representative. All phone numbers lead to automated services or refer you to go online. I have been unable to find out why identity thieves are still able to apply for lines of credit even AFTER I have FROZEN all XXXX agencies credit reports. Thank you for you time and helping me with this very serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been for a month trying to work with equifax because I am paying for monitoring service and not able to update my report. I continue to get a fail code in which I am going to attach a copy of the code. I have been on the phone with personal solutions and they have been no help. I can not continue to pay for a service that I am not getting the benefits. On top of this my credit file is locked and i can not unlock my file either. I need this resolved ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Car loan with XXXX XXXX XXXX is reporting monthly late remarks after being approved for a loan approve extension. Account should not be reporting as late on credit reports. Also late fees are still showing, and were to be added to the loan extenstion. And I am continuously robocalled numerous times a day about making a payment when my account is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Letter shall serve as formal notice of my Intent to file a lawsuit against your company, due to your blatant and objectionable disregard of the law. 

In correspondence dated XX/XX/2016 you received a demand for validation and cease communication letter from me delivered to you via certified mail. As of today you have failed to provide me with the proof I have lawfully requested. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. Also, when an alleged debt is disputed, a notation must be entered on the debtor 's credit report showing the item as in dispute. Again, this was not done. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA 1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA 1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication 2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} If you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX and XXXX ) and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.

Company response to consumer: Closed
Consumer complaint received 2016-02-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The reason I have not disputed the issues is because of Equifax 's continued inefficient and biased processes and policies, I have been unable to do so. I 've attempted several times going through the web address given on my credit report, but it 's either down or unresponsive. The other issues I have are the continued misinformation that Equifax provides ; such as the following accounts status should show Bankruptcy Discharged : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX Bank ( which also is showing that I am " Deceased '', which I have submitted a dispute for last year, this is ridiculous ). Also, Equifax uses/adds negative words in the " status '' of accounts that are positive, such as, XXXX accounts of {$3200.00} ; {$2700.00} ; and {$2500.00} should not read " Sold '', but Closed/Never Late. The negative wording used by Equifax is given more power due to the fact that they fail to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of the agency. I suggest termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I attended XXXX College ( a XXXX College ) in XXXX XXXX CA in XX/XX/XXXX and graduated in XX/XX/XXXX.I was told that employment opportunities abounded but I would be required to agree to financial aid with Genesis Lending Financial because I did n't have the funds to pay for the course through the Department of Education or my own personal finances. I gave them my life savings of {$4000.00}. I was told that I would n't have to pay anything back until after they assisted me with employment. I was pulled out of class several times and told that if I did n't pay on the loans I could not complete the courses. Genesis Lending started to call me regarding payments and I told them that I was not employed and could not pay the amount that was requested. They offered a temporary forbarence payment but I was told that the amount of the loan would continue to increase over time. I had to continue to make payments on the loans during the course of the program even though I had been told that I did n't have to start payments until after graduation. I was constantly harrassed and threatened by this lender during the time I attended XXXX College and the financial aid department at the school shared an active role in the practice and I was never informed of the high default rates of these loans or the fact that this type of loan was a private loan and not funded by the Department of Education. This predatory lender has taken advantage of me as a low income unemployed person over XXXX years of age.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Seterus, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Seterus , Inc . In approx XXXX of 2015, my workload ( XXXX ) was decreased by more than half. This decrease took my paychecks from approx {$1300.00} down to approx {$400.00}. I fell behind on my mortgage payments. I called Seterus and explained the situation and was told that they would work with me to keep from foreclosure. I received a delinquency notice dated XXXX XXXX, 2015, which listed the months for which I owed and the status. The letter showed that the XXXX 2015 payment had been made on XXXX XXXX, 2015. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. I secured a full-time job and, on XXXX XXXX, 2015, made the payment for XXXX. This made me delinquent by XXXX months XXXX XXXX, XXXX, XXXX and XXXX XXXX. My plan was to make a payment XXXX a month until the loan was brought current. On XXXX XXXX, 2015, I made the payment for XXXX. This WOULD HAVE made me delinquent XXXX months XXXX XXXX, XXXX and XXXX XXXX. That payment was returned to my bank because of " the status of my loan. '' When I called to discuss the matter with Seterus, I was told that they did not accept partial payments. I was told that the only payment that would be accepted on a delinquent loan would be the full amount owed. The payment made on XXXX XXXX for XXXX would have been considered a partial payment and they accepted that payment ... .why not the XXXX XXXX payment?? Today, I received foreclosure papers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Genesis Lending
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
They forced me to pay on my loan while still in school and threatened to with hold me from class if i couldnt make my payments. They also tricked alot of us into opening a new loan with a lower interest rate with the understanding that the previous loan would be dropped or closed. Come to find out all they did was open another loan and made me start paying on XXXX loans while still attending school.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CITIBANK, N.A.
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:
On XX/XX/XXXX I opened dispute # XXXX over the phone with XXXX at Citibank for a {$620.00} charge made to my Citi debit card on XX/XX/XXXX by XXXX XXXX, a provider of testing training services. I could not log the dispute online because the Citibank interface does not allow debit card charges to be disputed online. On XX/XX/XXXX XXXX called the number listed on the attached contract Exhibit 1, ( XXXX ) XXXX, but received no answer. 

The services contracted with the vendor were for 6 months of online training and payment of the XXXX test fee to the XXXX XXXX XXXX as shown on the attached Exhibit 1. The service contract with the vendor ran from XX/XX/XXXX to XX/XX/XXXX, so the 60 day limit on disputing charges does not apply since the vendor was only required to deliver the test fee within the 6 month contracted period, not on XX/XX/XXXX.
On XX/XX/XXXX I emailed and called the vendor as shown in the attached Exhibit 2 to make sure it had fulfilled its obligation under the agreement to pay the XXXX test fee. No response from the vendor was ever received. 

On XX/XX/XXXX I received a response ( attached as Exhibit 3 ) to my XX/XX/XXXX email to the XXXX XXXX XXXX that confirmed that my test fee was never paid by the vendor. 

OnXX/XX/XXXX I received the attached letter backdated to XX/XX/XXXX, attached as Exhibit 4, stating " Due to the amount of time that has passed since this charge was first billed to your account, we are no longer able to assist you in this matter ''. 

Citibank 's response violated the Fair Credit Billing Act which states that a consumer has up to 60 days FROM THE DATE OF THE EXPECTED DELIVERY OF THE SERVICE to dispute a charge. Since the end date for the contract was XX/XX/XXXX, too much time had not passed, and I am within my rights to have this dispute investigated by Citibank and for it to deliver a written disposition of my case.

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 2015-07-08
Company: Jason A Craig, PC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was charged for a medical service in 2011 by XXXX XXXX XXXX XXXX without my consent. This occurred immediately after I had clearly expressed the specific services I was there to receive to his office staff and that the services must be covered by my medical insurer. I subsequently learned XXXX XXXX XXXX had used this same tactic to up-sell another patient. It is my belief a study of his practice would prove a pattern of over treating patients to increase his invoices. I have protested numerous times in certified letters to the XXXX XXXX XXXX. Now an attorney representing XXXX XXXX XXXX as a debt collector is requesting payment and the amount has increased 234 % without explanation. The original debt is fraudulent. The practice of the attorney, XXXX XXXX XXXX, is perpetuating the fraud and harassment. This is abusive, deceptive, and unfair. I have good documentation of my dispute from 2011 to present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Kohls Credit Card - Late fees added XXXX times, for only XXXX late payment ( one day because of the time zone difference ) method of refunding late fees taken off the total balance ... still leaving the increased payment that has to be paid or get ANOTHER late fee, etc, etc, etc. 
I have been trying to resolve my account for the past few months ... I retired from my job and moved since XXXX, and since my income is now reduced and I am a senior on a fixed income, I have n't been able to get wifi in my home yet as I am still paying off moving expenses. I ended up making a payment in XXXX 1 day late because of the time zone difference ; when I logged in later at the public library to check on my account I saw I had been charged a late fee. I called to let them know the circumstances, but by then they had tacked on another late fee because I only paid ( on time ) the usual payment of {$39.00} and it had evidently gone up to {$64.00} with the late fee, which then made my next payment {$99.00} ... so I called and talked with several CS reps and finally was able to get the fees refunded and the payment back to {$39.00} as I double-checked with the rep I was talking to, XXXX, I think. Well, I made my {$39.00} payment and now they say I owe XXXX! I very frustrated! ( This is the message I sent Kohls online cs message center ) ( this is what they wrote back ) CompletedMemo : Thank you for contacting us regarding the minimum payment for your Kohl 's Charge account. I appreciate the opportunity to review your concern. Upon review, I have found that your payment was due on XXXX of each month. Please be aware that late payments may cause your minimum payment to be higher. Additionally, the minimum due is the sum of 1 percent of the balance plus the periodic interest charge and late fees billed on the statement for the minimum payment is calculated or XXXX dollars ( or the total balance if less than XXXX dollars ) whichever is greater. I hope you find this information helpful. We look forward again to serving you again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my Chase Checking Account over the phone almost 2 months ago and still have not received my account balance check in the mail. I want my account balance returned to me in branch. 

I closed my Chase checking account over the phone on XX/XX/2016. The number I called was XXXX. As of closing date, I had a remaining balance of {$2400.00}. I was assured over the phone that I would receive a check for that amount within 14 business days. 

I had still not received my check by XX/XX/2016, by which point 14 days had elapsed. I called in to inquire regarding my balance check. Chase assigned a research analyst named XXXX ( tel : XXXX ext XXXX ) to my case. XXXX called me on XX/XX/2016 and told me to go to a physical Chase branch branch to sign an " affidavit '' to have the check reissued. 

I go to my branch on XX/XX/2016 and spoke to an employee named XXXX XXXX ( tel : XXXX, email : XXXXXXXXXXXX ). He had no idea what affidavit I needed to sign. I called XXXX and she did not answer. After I sat in XXXX 's office for 3 hours while he called around, he gave me a National Account Closing Request form to sign. I sign and have it notarized and he faxes it in to XXXX on the same day. I have attached a copy of the form. 

After XXXX faxed the affidavit in, he told me he is unsure if he is allowed to reissue the check. After hearing nothing from Chase, I called Chase again at XXXX on XX/XX/2016 to inquire about the status of my check and spoke to a manager named XXXX XXXX in Ohio. She tells me the branch should mail me the check, but that she has no way of confirming if the affidavit was received and when it will be reprocessed. 

On XX/XX/2016, I went back to the branch and spoke to Branch Manager XXXX XXXX XXXX ( tel. XXXX, email : XXXXXXXXXXXX ) to attempt to get the situation resolved in branch or at least get some indication of when it would be resolved. She calls in to the Banker 's Support internal support line and spoke to " XXXX '' who assured us that my check was mailed out on XX/XX/2016. " XXXX '' was unable to provide a tracking number or check number for this replacement check. As of XX/XX/2016 I have still not received my check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I attempted to purchase a flight using XXXX credit card points system but it was trying to charge me the full value of the points AND cash for the flight, so I booked the flight through Chase 's my ultimate rewards system with the points associated with the card. For some reason, my united credit card and miles plus number did not register with the ticket and as a result my bag was assessed a {$25.00} fee. I called to raise the issue with XXXX who referred me back to Chase who referred me back to a gentleman at XXXX that told me he would refund the charge to my account. The call was disconnected while he was finalizing the refund. I called back chase and XXXX, but neither would reconnect me with the gentleman who was resolving my issue or honor the refund that the gentleman I spoke to assured me I was entitled to and which he was going to process. Instead, they passed me around to numerous departments that had no idea how to process the refund and said I needed to speak to someone else. The final person I spoke to refused to do a refund. XXXX and chase conspired to prevent me from receiving a benefit they said I was entitled to by making it impossible to connect to the person that was handling it already and playing a game of pass the potatoe so that I would go away due to being annoyed and frustrated and they would keep the bag fee I should not have been assessed in the first instance. I had to book with my rewards because that is what the XXXX customer center said was the only way to do it thru points since the booking was 20 days out when made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07
Company: JPMORGAN CHASE & CO.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.

Company response to consumer: Closed with explanation