BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Received offer over the internet reading " Bank of America is currently offering a {$300.00} checking account bonus that expires on XXXX XXXX, 2015, for targeted customers. Sign up for a new BOA personal checking account and make XXXX qualifying direct deposit of {$2000.00} or more within the first 90 days of account opening and you will get a {$300.00} banking bonus for opening your checking account. This offer is only for select BOA customers who do not already have a checking account with BOA. There is no offer code required. " I met all criteria. I called to ensure I would get the bonus. They checked and called back saying I would receive the bonus. I later received a letter dated XX/XX/XXXX stating " To qualify for an incentive payout, the promotional offer code must be submitted at the time the account is opened. I called their CS # XXXX ( XXXX, I believe ) and read the above offer saying " no promotion code needed. '' I was put on hold for some time and then told it was because each direct deposit did not total {$2000.00}. I quoted that it did not say " each '' but she would not budge. They were obviously looking for ways to not pay the bonus. I asked to speak to someone else including the one who said I was eligible. She refused saying they were " internal departments '' and could not speak with me. I have now stopped my direct deposits with the intent of closing the account, but would redirect and stay with them if they honored their advertising and marketing. 


When I chatting earlier on-line with individuals, I found they the reps disconneted when they did not know the answer. They are extremely difficult to work with and often very rude. I honestly have never experienced this kind of service of any other business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I spoke with XXXX of the XXXX credit reporting agencies a few times to dispute a chapter XXXX bankruptcy that was filed XX/XX/XXXX and dismissed. From my understanding, a chapter XXXX remain on your credit report for ( XXXX ) years. The credit company tell me it is their policy as the other XXXX credit agencies do not show it as of XX/XX/XXXX that it will stay on your credit report for ( XXXX ) years if it is dismissed and not XXXX and because they are governed by you the CFPB to do it. This is unfortunate and unfair because it was dismissed and converted to a chapter XXXX after I lost my job. The chapter XXXX was XXXX in XX/XX/XXXX and I think this is another way to penalize those who have paid their bills on time and have established very good credit after their misfortune.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: MN
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: Problem with personal statement of dispute

Complaint:
I was told by XXXX that my mortage was denied because I have a credit score of XXXX. I was told this twice and then told I can look at my score on there website. It was a XXXX. I was told that it was denied because 5 mos ago my home equity payment was late after a male at XXXX told me in XXXX that my loan had already been paid for that month. I need clear information on my credit score and when my payments are due. 

Also I have been trying to correct an XXXX payment for a long time now and they will not work with me. I made an order and put it on my debit card. Several months later I got a statement from Chase card services saying my payment was late. Now they are charging me double the order. I am upset they put it on a chase credit card I never used so they can charge up fines instead of taking it out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
Hello, I opened a XXXX XXXX XXXX credit card with American Express in XX/XX/2019. As a promotional offer for opening the account, American Express offered XXXX XXXX XXXX points after spending {$4000.00} within three months following the account opening date. This spending requirement was completed XX/XX/2019 in accordance with the terms and conditions outlined by American Express, and XXXX XXXX Points appeared on my XX/XX/2019 statement as points 'earned this period '. 

Neither the XXXX Points associated with the promotional bonus nor the points associated with the everyday spend have posted to my XXXX account. Attempts to resolve this issue with American Express have been unsuccessful. 

The XX/XX/XXXX statement that shows the XXXX points earned is attached. Please let me know if you require any additional information. I really appreciate your help. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: DFC Global Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I have a debt that I owed to a company called the Check Cashing Store. They have sold my personal information to various debt collection companies and now I am getting calls from somewhere named XXXX. The phone number they call me from is ( XXXX ) XXXX. They call me constantly I had to block them and they leave me abusive voicemails stating they will get my job involved. They threaten me and have harassing tones. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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 response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
In early XXXX, we reviewed lenders for a student loan refinancing. At that time, we spoke to a Sofi customer service agent who brought to our attention that Sofi offers competitive rate matching and did not include any caveats - just that you need the offer from the competitive bank and can submit for Sofi to match. 

On XX/XX/XXXX, we decided we'd like to move forward with Sofi, but their offer was 36 bps higher than the best competitive offer. Again, I spoke to a Sofi customer service agent, this time on their chat service, and he confirmed they offered rate match. He even walked me through the process of where to upload the competitive offer document. At NO point, did either agent state that Sofi still had to review the rate and evaluate IF they would mate. Just that they matched. 

Based on the agent 's information, we decided to place our formal application with Sofi and included a hard pull on my husband 's bureau, impacting his credit score. 

After the submission, we were told that Sofi would not honor the competitive rate as a new policy launched in early XXXX no longer allowed them to go below their lowest offered rate. This meant that they in fact did not rate match in our situation. 

I proceeded to call in and explain how this was misleading marketing and at no point, did the service agent explain this. In fact, they lead me to believe the competitor rate would be honored no problem. This feels 100 % as a bait & switch and predatory lending. 

If we had been told the company 's actual policy, we would not have submitted an application with Sofi and all would be ok. Instead, the company will not honor our conversation with their agents and after further review, has turned down our rate match. 

This is exactly what I believe the CFPB is here to help consumers with since they companies are more powerful than an individual person and I have no leverage to hold them accountable for this misleading practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a call from Diversified Adjustment Service Inc. indicating they were attempting to collect a debt on a payday loan I never solicited or received. The call was followed by a letter I received on XXXX/XXXX/XXXX ( the letter itself dates to XXXX/XXXX/XXXX ). I called in reply to the letter, and confirmed that in order to dispute it formally, I had to do so in writing, which I did the same day via email. I sent documents in support of my position that I never received any such loan - specifically bank deposit statements from the period in question showing no deposit of any kind for the amount in question. The collection agency claimed the original loan was issued on XXXX/XXXX/XXXX, and then remanded to collection later ( around XXXX of XXXX ), however I received no communication until XXXX - mostly in the form of phone calls from differing numbers, none of which can be returned at the same number. After formally disputing the debt in writing on XXXX, a call was made to me at XXXX XXXX on XXXX, demanding immediate payment of the debt, in violation of and in indifference to the following : XXXX. Validation of debts [ XXXX XXXX XXXX ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have made several attempts to contact the original claimant, XXXX XXXX XXXX XXXX, who remain at this time unreachable by phone to me - only customer service and technical support are reachable. I was transferred to someone from HR/Payroll, however, my call instantly went to voicemail, and has as yet not been returned. My login for the Agent Services page on the company 's HTML site ( XXXX ) is valid, but the page has no content other than a link to the site homepage, and the link to the agent services page ( XXXX ) on the homesite ( XXXX ) is currently locked, with technical support having sent me an email claiming it will fix the problem within 48 hours. At present however, neither the original claimant ( XXXX XXXX XXXX XXXX ) nor the debt collection agency have provided any documented proof of the debt, or given me reasonable access to it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021i sent in disputes against many inacuracies i have spotted. Under XXXX XXXX XXXX there was also fraud accounts. I am seeking litigation against these companies and i want to see the original contract these " collectors '' are claiming XXXX XXXX XXXX. The bureaus have taken longer than XXXX days and is affecting and violating my rights and freedom as i am looking to purchase property.

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 2015-05-06
Company: Avant Credit Corporation
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/15 money was taking out automatically from my bank and on XXXX/XXXX/15 the company took additional money out of my account without permission XXXX. When I contacted the company and spoke to management they said they can not credit the additional un-authorized money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is regarding my Synchrony Financial Amazon credit card. 
I know this is XXXX, but I get so many junk emails, that I have all of my credit card statements ( that are not on auto-pay ) set to paper so that they come in the mail. I then pay my bill timely 100 % of the time. My credit score reflects that. However, on XX/XX/XXXX I received a notification that my Amazon store card payment was past due. I knew that couldn't be true, and I suspected it was a scam. I logged into my account, and sure enough, it was past due. I had never received a statement in the mail, so I had no idea my payment was due. Upon chatting with customer service, I asked what my statement preference was set to. The agent confirmed it was set to email. I asked who changed it and whether I had given consent. The agent said it had been changed automatically. At that point, I was very upset, and asked if my credit was going to be affected. He said they would not report it and that he would waive the fee, which he did. However, today, I noticed that they also charged interest because the payment was late. I chatted with another agent today ( XX/XX/XXXX ) and asked if something could be done. The agent said they would not do anything about it. I get it, if they need to charge the interest, I will pay it. Not a big deal. To me, what is a HUGE deal is the fact that they can change my preference without ever getting my consent, which leads to fees and interest from which they profit. If it happened to me, it probably happened to hundreds or thousands of other people. Seems like a class action suit to me.

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 2022-06-18
Company: EQUIFAX, INC.
State: NV
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:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX16 at XXXX XXXX I withdrew {$300.00} from my checking account which incurred a XXXX overdraft fee as per the overdraft agreement. Since I signed the agreement willingly, I am fully aware that I would be charged a fee and had no issue with the fee for {$300.00} transaction, however I do take issue with being charged an additional {$37.00} overdraft fee for a transaction that occurred at least 6 hours prior to the withdrawal as shown by the banks own documentation and could have been paid, saving me from paying an additional fee. 
I feel that this is a perfect example of " stacking '', where the bank does not post transactions as they occur or as in " real-time '' as I consider it. The bank documentation clearly shows that the recurring expected transaction occurred on XXXX at XXXX, which would have meant that prior to XXXX on this same day, I had XXXX in the checking account and therefore, enough to cover the recurring expected transaction which would not have incurred an overdraft fee had the recurring item been posted as it actually occurred. 
I firmly believe the bank should reverse XXXX of the overdraft fees. I am perfectly willing to pay a fee for the withdrawal transaction as per the agreement I signed, but I should not have to pay a fee for something that I actually had the money in the account to cover.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mom passed away in XXXX, and her single family home was distributed to myself and others. Before passing away, XXXX XXXX  XXXX filed for foreclosure in XXXX, alleging that as of XX/XX/XXXX {$130000.00} was owed on the account. The court later dismissed the action around XXXX of XXXX. In XXXX the co-borrower on her loan filed for bankruptcy as a second foreclosure was filed. A new lender was appearing making a claim for an outstanding balance, but was forced to stay its action due to the bankruptcy filing. In an effort to have the federal stay lifted, a motion to lift the stay was filed and a statement of the account was provided which reflected a credit posted to the account in the amount of {$130000.00} on XX/XX/XXXX. This is the exact amount due and owing to XXXX  XXXX XXXX in the XXXX foreclosure action that was later dismissed. 

The loan belonging to XXXX XXXX ( deceased ) was paid off, but never satisfied on the record and never replaced with a new loan. During the Bankruptcy Rushmore XXXX XXXX offered a modification on the satisfied mortgage to the co-borrower, XXXX XXXX XXXX as the borrower and Rushmore Loan XXXX as the Lender. XXXX XXXX XXXX signed as the Borrower and Rushmore Loan XXXX  Signed the modification as the lender. Neither XXXX XXXX XXXX nor XXXX XXXX Servicing had authority to modify the mortgage and note as XXXX XXXX had quit claimed his interest in the property to XXXX XXXX XXXX and Rushmore Loan XXXX is not a lender and did not lend XXXX XXXX any money. Despite the fact that Rushmore is not a lender, the modification signed By XXXX XXXX of Rushmore, is being used to collect on a debt that is not owed against a property that I and my siblings and father gained title to after the passing of XXXX XXXX XXXX. 

Rushmore allowed its false modification to be presented both Federal and State Court in an attempt to foreclose on my property rights for a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Avant Credit Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.

Company response to consumer: Closed with explanation