BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I was attempting to move a home equity line from one bank to another. I show up at closing alone to find my husband 's name on the documents for signature. I was not told he would need to be there to sign. I did not believe he needed to sign, as he is not on the property title or on the existing loan nor do I live in a community property state and my ownership predates my marriage. Bank of America stated that since Colorado is a homeshead state he still needs to sign the deed of trust. My research on the internet finds that his signature is only required in Colorado if I have filed for homestead exemption, which I have not done. It seems to me that they are denying loans not even knowing current law.

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 2022-05-03
Company: JPMORGAN CHASE & CO.
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
This Complaint has been reviewed and resubmitted by an CFPB agent who agrees this is not a duplicate compliant. This new complaint is in regards to an " overcharge '' for something I did purchase. Previous complaint was in reference to a charge made without my permission, which mad the initial compliant confusing. I am NOT disputing that I rented a car from said merchant. I am however disputing an overcharge. CFPB please be advised to disregard any duplication claim made by the credit card company known as CHASE Bank as another duplicate claim will result in legal action on my part. 

I am disputing an overcharge on a purchase I made with my credit card. I was charged for a car rental while out of the country. I returned the car to the same location in the same condition that it was picked up. The car was dropped off during off hours but I went back later to ensure that the car was attended to by an employee. I was given no indication that there were any additional charges at that time. I also agreed to additional insurance which did not have to be used at the time of return. I had an eye witness who provided a sign XXXX that during the entire rental time period the vehicle in question was not involved in any major or minor infraction. This is additional information that I had not included within my initial complaint as I found it to be irrelevant at the time since NO INCIDENT or INFRACTION had occurred. I am disputing the charge that is showing as " XX/XX/XXXX XXXX  XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX X XXXX ( XXXX RATE ) " showing on my statement as such to be damage to the vehicle. With the additional insurance I purchased this would have been covered if in fact there was damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was involved in an accident in the vehicle on XX/XX/XXXX. The vehicle was declared totaled by XXXX shortly thereafter. XXXX agreed to issue a payment of {$12000.00} toward the remaining balance on the loan, and I had gap insurance through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to pay the remaining {$310.00}. The amount has been approved and the check has been sent to XXXX XXXX by XXXX XXXX XXXX XXXX per a phone call onXX/XX/XXXX ; however, because of the delay in payment by XXXX XXXX XXXX XXXX, XXXX XXXX has reported my account as being past due for 30 days to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
AMERICAN EXPRESS ACCEPTED PAYMENT TO SETTLE DEBT THEY RECEIVED PAYMENT AND REFLECT O BALANCE BUT SETTLED. I NEED TO ACCURATELY REPORT PAID IN FULL AND TO DELETE BASE ON AGREEMENT THAT WAS TOLD TO ME WHEN SETTLING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint, not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are being investigated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I set up payment and payment declined. They call claim he 's a lawyer saying he 's gon na prosecute me and hold on my licence it 's a payday loan from 6 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae employees on more than three occasions have deliberately made inaccurate statements about what I need to do about my account, including supervisors that I spoke to about the issues. Add to that, they have kept my account almost a year over in forbearance limbo because staff at Sallie Mae, who seem to be paid for interest accumulations, would go on my account and made changes that were unauthorized or would call my co-signer, a XXXX year old person, and coerce her into making decision they know are not in the interest of my account. They have even wrongfully coerced her to pay money which was not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
XXXX XXXX XXXX has falsely reported a credit card account from XXXX XXXX as open in the amount of {$310.00}. XXXX XXXX is no longer extending credit and the account is closed. 


XXXX. XXXX  violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely reporting the legal status of the account as XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ). 

54. Defendant violated FDCPA 15 U.S.C. 1692e ( XXXX ) ( A ) by falsely characterizing the account status as " XXXX to Equifax, XXXX and XXXX consumer reporting agencys as defined by 15 U.S.C. 1681a ( F ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The complaint is against American Express, namely an American Express " Blue Cash '' account, a joint account between my wife and I. We had set up an automatic payment of $ XXXX/mo to the account. On XX/XX/2019, this payment was made to American Express, then on XX/XX/2019, TWO MORE {$200.00} withdrawals were made to our checking account, for a total of an additional {$400.00}. Upon noticing this, we immediately contacted the company customer service, and on XX/XX/2019, they refunded ONE of the additional {$200.00} debits. We asked when we could expect the 2nd refund and were told it would have to come by check and an inquiry would be started. Since then we have called American Express customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX.

Each time the customer service rep was very sorry this happened, and would add ANOTHER inquiry, which when we checked the website, were closed. Also each rep seemed to have a different answer on whether we would get a check or they would deposit the remaining {$200.00} back in our account. Each rep was asked WHY the initial {$200.00} that was taken on XX/XX/2019 could be refunded to us basically TWO DAYS LATER on XX/XX/2019, via deposit to our checking account and WHY are we still looking for the second {$200.00} OVER TWO MONTHS LATER? NONE had any kind of an answer to this. The inquirys that have been placed for this problem up until the last one ( XX/XX/XXXX ) were closed with no apparent action. Also all of them, up to the last two had " Ticket/Merchandise not recieved '', which, to us, meant nothing. The last two inquiries, XX/XX/XXXX and XX/XX/XXXX, at LEAST showed " Credit Balance Refund '' BUT the XX/XX/XXXX one was closed without any action apparent to us.

BOTTOM LINE : We have been led on a merry chase with American Express and since we are retired and living on a fixed income, for this company to take our regular payment then take TWO ADDITIONAL " payments '', is unconcionable. Needless to say we no longer allow them to take payments monthly from our account.

Thank you, XXXX  and XXXX   XXXX  XXXX NOTE : Account Number/Inquiry Numbers available on request..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
Company: World Omni Financial Corp.
State: GA
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 Account # XXXX violates my rights. 

XXXX5 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX This account debt number is incorrect as my balance has reduced significantly and they have not updated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: CL Holdings LLC
State: VA
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 pulled my XXXX XXXX  and I seen there were some accounts that were not mines and need it removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 I ( a ) ], these disputed items must be investigated or deleted from my credit report record within 30 days. During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to debt validation constitutes collection activity. I am also requesting my name and correct address and telephone number updated every move any other name and addresses and telephone numbers that do not belong to me I have reported my information the OPT in OPT out. The following account in dispute are listed below JEFFERSON CAPITAL SYSTEMS I have contacted them and stated I never paid nor requested items from that company they provided me with a bill which proves I never did business with them it's a bunch of miscellaneous charges I will post document below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: GA
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 account # XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX  account # XXXX and XXXX XXXX XXXX account # 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 2017-10-20
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
T V provider sent me into collections stating that I ordered a " pay per view '' movie on their system and I owe them money for it. However, with this particular provider in order to order a " pay per view '' you had to have a " Land Line '' in order to submit in the order. I have not had a land line for over 20 years and have only had my cell phone. When I turned in the equipment upon moving and they audited the equipment the equipment showed that we tried to order a " pay per view '' ... .However, we never actually received the " pay per view '' because the order did n't take in their system. Since we did n't receive it we did n't and wo n't pay for it.

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 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I was presented with a promotion from Merrill Edge claiming that if I opened an account and deposited more than {$20000.00} into it, that I would get two benefits from Bank of America : 1. I would be granted Preferred Rewards status within 30 days.

2. I would be moved up to the tier of Preferred Rewards corresponding to my total asset value regardless of the 3-month rolling average within 30 days after that. 

On XX/XX/XXXX, in accordance with this promise, I deposited {$50000.00} ( which would qualify me for the Platinum Tier ). 

As of XX/XX/XXXX, I was not enrolled in Preferred Rewards. I went to the bank the next week and was told it would happen by the end of the week, which it did ( 7 days after their printed promotion had promised ). 

Today is XX/XX/XXXX. As of today, I STILL have not been moved up to the Platinum Tier. This is 19 days after it should have occurred. Every time I use my credit card, I am missing out on rewards dollars because of Bank of America 's rewards booster for Preferred Rewards clients ( which increases based on tier ).

I have gone into the branch and called, and no one will fix the problem. The Merrill people say the bank has to do it, and the bank people says that Merrill has to do it. It is very frustrating.

For me, this is primarily a matter of principle. Investment organizations should NOT be able to lie to their clients in order to get deposits.

I have been informed I am not the first person to be deceived like this.

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 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
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 have aflame blemishes entries that was placed on my credit report and I have been trying for over 8 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 12th dispute in which I am currently awaiting results. On XX/XX/2018 I called and spoke with a representative and inquired how XXXX verifies their public records/accounts. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. In addition to public record have student loans from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-21
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently enrolled in the Public Student Loan Forgiveness program. I have been part of the Income Based Repayment for 7 years. This year I applied for it again ( which has to be done annually ) on XX/XX/2019. I received a denial email from FedLoan Servicing on XX/XX/2019. They stated that I would receive a letter explaining this, which I never did.

I then called FedLoan on XX/XX/2019 complaining about this issue. As I expected, they explained that I received the message because I no longer qualify for financial hardship. While that is true, I explained to them that as written under the policy, once a individual is in a IBR policy, they can not ever be kicked out. In this situation, my payments will be based off of a standard 10 year repayment policy. The consumer service operator agreed. She explained that she will make sure I receive the formal letter detailing that exact concept and that I would still be part of IBR for the upcoming year. I know to expect this letter since many people I know that no longer have the financial hardship in IBR receive this confirmation letter.

I have not received any letter of verification. On my FedLoan profile, I now states that I missed my time for annual recertification for IBR.

I need to be in IBR as I am going for PSLF. I do not want any payments that I make to not be counted because of the error with FedLOAN. 

Please please please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-18
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:
As of XX/XX/XXXX XXXX XXXX XXXX updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) XXXX XXXX XXXX is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

XXXX XXXX XXXX has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.

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