BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/ 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Please answer the following questions. 1st, did Ocwen attorney provide a Deed of Trust agreement with XXXX XXXX XXXX, a modification agreement between XXXX XXXX XXXX, an assignment of Deed of Trust to XXXX XXXX XXXX and a full reconveyance by XXXX on behalf of XXXX XXXX XXXX with the response letter? Yes or No! 2nd, since Ocwen is a member of XXXX, where does it state within XXXX rules of membership that investors give XXXX  full authority to sell or transfer an asset without the current investors knowledge or approval? Please provide documentation! 

On XX/XX/XXXX, we sent Ocwen Loan Servicing a certified letter # XXXX requesting information for our home mortgage. Ocwen forward this letter to there attorney, XXXX XXXX from XXXX XXXX law firm here in XXXX XXXX Nevada. Ocwen/the attorney provided a letter with the following documents, the Deed of Trust with XXXX XXXX XXXX dated XX/XX/XXXX, a modification agreement with XXXX XXXX XXXX dated XX/XX/XXXX, an assignment of Deed of trust from XXXX XXXX to XXXX XXXX XXXX and a substitution of trustee, full reconveyance from XXXX XXXX XXXX on behalf of XXXX XXXX DBA XXXX XXXX XXXX, instrument # XXXX. Now, in the letter, I asked Ocwen two questions, the attorney responded to question 1 but failed to answer question 2, why? I asked Ocwen on question 2, where does it state within XXXX rules of membership that investors give XXXX full authority to sell or transfer an asset without the current investors knowledge or approval? Now, we request the following questions to be answered by Ocwen. Ocwen must provide the answers to our questions to their attorney so they can respond. 
Documentation is provided within the documents section. Note : Federal and State agencies can request a printed version of XXXX rules of membership from us or go to XXXX website at XXXX of membership to view XXXX investor requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: MD
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:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XXXX/XXXX/XXXX, I attempted to make a balance transfer from my American Express Blue Credit Card to a new credit card of {$12000.00}. On XXXX/XXXX/XXXX the payment was declined due to insufficient funds on the new credit card. We proceeded to call the new credit card company to figure out why this happened, and received an explanation that they charged too much for their balance transfer and that put it past the limit. 
I called American Express as soon as we had an explanation, and described to the billing representative what had happened and that we were good to proceed. After describing having to use a check from the new credit card company for the balance transfer, the billing representative said I could take care of it over the phone or online and just to give him the checking and routing number, which I did. 
Two days later my payment was again declined, so I attempted online and again it was declined. We than called American Express to find out what was going on, and was told we should have never been asked for the checking and routing number over the phone because the check submitted was a business credit card check, which was communicated to the billing representative on our phone conversation. 
I have now been charged multiple declined payment fees, and my 0 % APR American Express has jumped to 30 % APR, which has resulted in nearly {$500.00} in fees, and no balance transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-25
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have worked for the past 19 years as a XXXX XXXX XXXX at XXXX XXXX XXXX ( ALL of them ). I MORE than qualify for XXXX XXXX Student Loan Forgiveness ( Most recent degree- XXXX- completed in XX/XX/XXXX). I tried TWICE for it and had all of the documentation ( XXXX Forms completed by school system personnel office ). I was turned down both times. I am in forbearance and NOT in default. Nor have I ever been in default on this loan. I am very conscientious about keeping my forbearance current. None-the-less, I was told some old XXXX. like " Well, we see you had loans in the XXXX 's ''. So basically because I 'm of a certain age and have multiple degrees, they are telling me that I ca n't get the loan forgiveness on my current student loan ( Stafford Loan being handled by " FedLoan '' ). I 've read that people have been erroneously denied loan forgiveness and feel that I am one of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been requesting verification of the following accounts that XXXX continues to report on my credit file XXXX XXXX XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX. XXXX listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX as the source of their verification on XX/XX/XXXX. On Thursday XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report XXXX and spoke with agent, she informed the security freeze was placed on my consumer file # XXXX as XX/XX/XXXX, I have attached a copy of my security freeze confirmation from XXXX confirming the freeze date. After reaching back out to XXXX with same old script, " your account has been verified via XXXX ''. No record of any inquiry from XXXX or mode of verification from XXXX XXXX showing on my XXXX XXXX credit file.

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 2017-08-25
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
The number XXXX XXXX XXXX called me from the financial institution CHASE saying that I had a credit card issued in my name from XX/XX/XXXX with a balance of $ XXXX-XXXX ( I do n't remember the exact amount ). I never checked out a card from them or been to a CHASE, there is n't even one near me. A little bit of research online has led me to believe that they are Scammers, but I am unsure how to go about it. 

They 've called me Mon XX/XX/XXXX and twice today on Fri XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Three times I have been denied credit because the company can not contact me at an old phone number. Both times I have had Experian remove the number and they say they did but it keeps happening. This is the third time and I'm incredibly frustrated.

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 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Neiman Marcus ( NM ) has disabled my log-in access for no explainable reason, my account was not past due or over the credit limit. They : A ) only provided an XXXX # ( which wo n't work for XXXX XXXX ). When I was able get an non XXXX number the account was several days ( 10 ) past due.  They now are trying to charge me an amount equal to the payment as a " past due fee ''. 

B ) NM wants to record the call, but will not let the consumer also record the card. They said they would let my account go 30 days past due unless I complied with one-way recording, meaning they can record me, but I can not record them. If I did n't agree, they would hang up. 

C ) NM 1st attempted to tell me my account was locked due to " my new email or a problem with my cell phone '' and not being able to send a verification pin. I informed them I had received an email at this account just today ( XX/XX/XXXX ) to tell me account was now past due. When I told them neither my cell number or email address were new and that I had held both my email account- and the cell phone number - they have on record since XX/XX/XXXX, they then stated ( admitted ) to me that my account was locked due to a new system they had set up in the past 30 days that was not properly coded/set up to send emails to all email addresses, including a problem with my " XXXX '' account that I have used for the past 10+ years - and that I have had used with this online NM account since it was opened! NM then demanded that I establish a NEW email account with a new email provider and that I manage and monitor this new email account if I wanted to do business with them and not have my account locked, or have my payments be late, which would incur additional late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Major, FRAUDULENT Billing Errors, with : ALLY ( XXXX XXXX ) Pre-Owned -XX/XX/XXXX XXXX-XXXX. My ALLY Account Number : ends in : XXXX. NEVER, MISSED A PAYMENT. NEVER, LATE ON PAYMENTS. XXXX. XXXX XXXX, with ALLY, is Contact. My XX/XX/XXXX XXXX, Purchased at : XXXX XXXX, XX/XX/XXXX, on XXXX XXXX., XXXX XXXX, GA XXXX. BOTH, ALLY Financial, and XXXX XXXX, Guilty of : " Red-Lining ''. As I received a Settlement from : ALLY, Early XX/XX/XXXX, from Class-Action Law Suit. Early XX/XX/XXXX ; ALLY, sought to " Take-Back '', my Settlement Payment. Therefore, ALLY, Early XX/XX/XXXX, FRAUDULENTLY, added-on, an Additional Payment of : $ XXXX/Monthly. Presently, receiving Two ( 2 ) /Monthly Statements, from : ALLY. The CORRECT Statement, is : $ XXXX/Monthly. The FRAUDULENT Statement is for : $ XXXX/Monthly. WILL, you please assist?? ALLY, admitted to ALL Three ( 3 ) : XXXX ; XXXX ; XXXX ; that BOTH ; ALLY, and XXXX XXXX, are Guilty of : " Red-Lining ''. Most Appreciatively. XXXX. XXXX XXXX. Text/Cell : XXXX. E-mail : 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 2017-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My husband and I own a few small commercial properties, one which is a 6 unit property which has a mortgage from Capital One. The property has 1 commercial unit for which Capital One insisted on reviewing the lease in case of change of tenant. The lease is expiring next year in XX/XX/XXXX and in preparation for that we ensured that we put a tenant in place with a new use in XX/XX/XXXX. In order for us to do that we had to get the bank to agree and review the lease. After about 8 months of conversations with the bank during which time they were reviewing the lease, and placing additional restrictions on us operating our XXXX XXXX, they gave us a final ultimatum - agree to all the conditions that the bank wants or they will not approve the lease. There was no negotiating with the bank, they took 8 months and served us a bill for {$4500.00} for legal review. This puts our livelihood in danger as the legal bills are a very significant portion of our annual income from this property. We have never had these kind of issues with any mortgage provider for any of our properties and have gone 4 times through similar processes over the last 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: U.S. BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Around XXXX XXXX I called US bank because i noticed that 3 of my payments was not applied correctly in XXXX of 2022. My account was paid ahead until XX/XX/2022 and I called US bank to make them aware that my payments in XXXX of 2022 did not apply correctly- all of them went towards principal but then showed I had an interest payment due. I was making XXXX dollar payments every 2 weeks and about XXXX dollars would go to interest and the remaining to my principal balance. I spoke to a representative who advised they can submit a request to reapply those payments so that they apply correctly. I logged on a few days after the request and it showed I had a XXXX dollar payment due for XX/XX/2022. That shouldnt of been correct but I let it be as I had another XXXX payment drafting on XX/XX/XXXX- which would of paid the XXXX and then paid account ahead. I logged on after the XX/XX/XXXX payment and it was showing I was behind a day and owed XXXX dollars. I called back US bank and the first representative stated they would review my account but then transferred me without telling me. I am frustrated as my payments are not being applied correctly and feel as if US bank is stealing my 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 non-monetary relief
Consumer complaint received 2020-10-07
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I open a 18 month CD on XX/XX/XXXX which matured in XX/XX/XXXX. The Certificate rolled over for a 1 year term to expire on XX/XX/XXXX automatically. I want to put this money in my savings account instead. The company advertises a grace period on the web ( See Below ).

I have call several times and spoken with at least 3 different people including today. They claim that if I close the CD I will have to pay an  early withdrawal fee. Please bear in mind that as of today XX/XX/XXXX and by their words below from their " frequent ask questions '', I am still under a 10-day grace period and I am choosing to " Withdraw Balance without Penalty '' as indicated below. But because they are insisting on charging me a fee to withdraw I feel obligated to leave the money on the account. This for all intent and purposes is fraudulent advertisement and
complete disregard for customers rights.

WebsiteXXXX XXXX XXXX XXXX  general What are my options when my CD matures?

We will notify you via email before your CDs maturity date. There is a 10-day grace period following your CDs maturity date, during which you have a few options : withdraw balance without penalty ; renew your CD with the same term ; or, close your CD and open a new one with a different term If you do not contact us within the 10-day grace period to take any action, your CD will automatically renew for another  term.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This loan was provided by college, as XXXX XXXX, then it ended up being Navient Loan. For the last two years I have set up several times payments that I ca n't really pay but struggle to make payments. Each time we pay for a period they call and want to increase the payment. I ca n't pay what I 'm paying and I explain how do they expect me to increase the payments. I have several other loans to pay and is having a hard time paying my rent, my car note and other bills. The more I pay on this loan the more it grows. I need help. They call constantly from XXXX XXXX to XXXX XXXX. Saturday through Sunday. The last call I got was on Wednesday, XX/XX/XXXX. It 's to the point that I 'm afraid to answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
XX/XX/XXXX : {$1600.00} interest fee was added to my remaining balance. 
was told that i just needed to pay the suggested amount at minimum when i first applied for the card. i have continued to pay the interest and more every month, since getting the card. lately ive paid the minimum, but they sent me a notice lowing my credit limit on the card, then they added the interest bringing the card into the negatives. 

none of this was explained or detailed at the XXXX  store which is now out of business.

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 2019-11-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I applied for and was approved for a personal loan in approximately XX/XX/2004. I received the money, paid off some credit cards and other bills and started making payments on the loan. Right around that time my father died, several months after his death, I received a small amount of life insurance from his death that my mother had given me. With that money I paid off this debt. I do not have any records as this was approximately 14 years ago. I have never been contacted by any collection company about this debt until now, 15 years later.

Company response to consumer: Closed with explanation