BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This card was originally with XXXX ( XXXX ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. Asset Acceptance attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of Asset Acceptance continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My wife and I closed XXXX accounts Today and the bank now shows us overdrawn on XXXX of those by a total of XXXX cents. I am sure this is a deliberate attempt to defraud us of fees due to us ending our accounts, plus us complaining about being left to sit in the lobby for a hour as they cut the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My Chapter XXXX was discharged at the end of XXXX and I have made several attempts to dispute the accuracy of the account with the creditor and all three credit bureaus. The creditor will not update the account to reflect it is no longer an active account. Instead they keep updating my report with " redeemed repo '' as if it's a open account. I am on my 4th round of certified return receipt letters disputing and nothing has changed so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was charged interest i had questions about. I called customer service to inquire about what the interest was for. The lady on the phone tried to explain to me what the interest was for, and that it was in my credit card agreement. I asked her to tell me where in my agreement this was explained, and she said she didnt know. I then asked her to send me the agreement, and tell me where I should look for this information, and she simply hung up the phone on me. This is really poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collection notices constantly received from Transworld Systems Inc . I have called twice and notified them that debt has been paid with Check # XXXX cashed by XXXX XXXX XXXX on XXXX XXXX, 2015 for the full amount of the debt of {$40.00}. ( Scanned copy with full cashing information attached ) My account # at Transworld is XXXX. However, Transworld continues to send me collection notices more than weekly despite my calls. The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX VA XXXX goes directly to an answering service when called. I provide all requested information and am told I will be called back within 24 hours. After 5 calls, they have failed to contact me. I consider the actions of Transworld invasive and abusive and the lack of response from XXXX XXXX XXXX XXXX against reasonable business practices. Furthermore, they only have one method of contact -- phone -- - which as previously stated is an answering machine with no return phone calls despite numerous attempts by me and assurances on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I filed dispute with Equifax do to XXXX reporting an account that was with XXXX. I disputed charges via pay pal and was refunded full amount after a lengthy investigation. The company had 60 day for final response and did not do so. I have requested for this to be removed from my credit report and provided proof of refund to Equifax , XXXX and also XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX and Equifax refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The insurance company is responsible for this charge, I was and presently am a XXXX and medical /XXXX insurance is extended 31 days after separation from employment. I left my job the same month I visited this XXXX office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the XXXX insurance company. I 've regained my XXXX employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 
The collection company has responded to my CFPB complaint and agreed to remove the incorrect information, Equifax is not complying. 
Company responded -XXXX said : Explanation of closure We will remove the account from your credit report to allow you the opportunity to clear up any confusion with your insurance company. 

Equifax is jeopardizing my chances of home-ownership. They also have refused to update my payment information on other accounts after repeated requests on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Midland Funding LLC claims that my husband owes them a debt despite my husband and I showing " proof '' of Identity theft. They continue to harass us daily, demanding money for this debt. We have proven to them numerous times that it is not his and they keep selling it to other agencies within their own agency. They call us 4 -5 times a day harassing us. My husband works long hours so I am the one answering the phone at home. Most of the time they ask for him but refuse to tell me who they are! A few times they have told me they are Midland Credit, attempting to collect a debt my husband owes. Now that they know I am his wife they are threatening me, saying that they are going to send police over to arrest my husband and I, they are going to have my house and cars taken away from us and that we would be sued! I explained to them that we had already proven to them that the debt was n't my husbands and to please leave us alone and stop harassing us. The " lady " that spoke to me on the phone said, they would leave us alone once when we paid what we owed. I continued to beg them to leave us alone and they continue to call back about 4 -6 times daily and sometimes they call late at night. The caller ID is also showing different numbers and there has been a few times where our own phone number comes up. 
We live in fear of police coming to our door with a debt that he does n't owe. We do n't know where else to turn to make them remove this debt and stop harassing us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I applied and was approved for Amex Platinum Personal card on XXXX/XXXX/2016, where the terms and conditions stated a bonus of XXXX points on spending {$3000.00} within 3 months. 

I satisfied the bonus terms and received the points within 3 months ( before XXXX/XXXX/2016 ). The purchases and spending made qualified under those terms as appropriate ( I was over the threshold spend even after credits, returns etc, and none of the spending was for cash-like instruments like gift cards and so on ). 

However, today on XXXX, the points have been taken away, which is against the terms and conditions, given that I satisfied them completely and fully. I have fulfilled my end of the terms and conditions, and expect Amex to do the same please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a mortgage to purchase a condo at XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX with Wells Fargo. We were promised a discount based on our assets under management, from the original rate of XXXX to XXXX throughout the entire process, however just as we were about to close, they rescinded the discount, a clear case of Bait and Switch. 

XX/XX/XXXX : Email offering us the rate of XXXX multiple phone conversations confirming this rate XX/XX/XXXX : another email confirming this rate XX/XX/XXXX : another email assuring us it is a " no brainer '' that we will qualify for the discount. 
XX/XX/XXXX : XXXX XXXX before closing they said they'd made a mistake and we would not get this rate. This resulted in additional costs of the loan of {$52000.00}, but due to the timing our hands were forced. We asked for a management review and after the fact they said that they declined our request.

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 2017-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have filed a dispute with Equifax & XXXX that the Tax Lien on my credit report is incorrect due to a fraud committed by an unknown individual. IRS already corrected this information, but the Credit Bureaus listed refused to do so. I was told by their Rep. that they search the Clerk Data base & found this information by going to a third Party. This should not happen, and IRS stated they DO NOT give information to Credit Bureaus. I request this be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for an American Express Business Credit Card and received it. The card had an introductory interest rate of 0 % for over a year. I got the card to purchase equipment I needed for my business to save on the interest the equipment company was charging. Not even a month later from receiving the card I received a text that my payment was past due a couple of days. I had not received my first bill from them or any other notification that the bill was already due on the card I had just received. I believe the first payment was 4 days late. American Express then raised my interest rate to over 20 % on this brand new card that guaranteed a 0 % interest rate. I have contacted them several times to dispute this and they refuse to honor the interested rate stating that because I was a few days late on my first payment that they can forfeit that offer. I never even received a bill or notice. The interest it costing a small fortune I can not afford to pay right now, hence the only reason I got the card in the first place. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler Capital Acct reporting two invalid 30day lates + $ XXXX injustice fee charges, causing me constant financial worries & stress as im still paying bill on-time. 

Problem : This account is reporting two invalid 30day lates + $ XXXX fee charges : Chrysler Capital XXXX , Account Number : XXXX The Chrysler Capital XXXX XXXX account is being incorrectly reported. The reporting states that I was late 30 days twice ( XXXX XXXX & XXXX XXXX XXXX although I have never been late. Since XXXX XXXX, to present XXXX XXXX I have made 24 on-time payments ; I always pay this account on time. I 've been giving them $ XXXXmonth for 2 years straight, yet I am feeling mistreated. I have not been getting monthly statements through both email & mail every month, as I should be. I have been charged with an enormous amount of fee 's on my account at a apr rate so high, with injustice reasoning. Payments online have not always been reliable, so I 'd be forced to call and pay with agents, which adds an additional {$8.00} fee, schemes i have not been one to favor as their " valued '' customer. I 've given the company at least {$11000.00} and my balance only has reduced about {$3000.00} ... I want to believe they are a good business as I 've always recommended their financing but something 's need to be adjusted, I feel that it 's rightfully so my request is granted. I believe the company mistakenly credited my payments to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Synovus Bank
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a mortage with Chase Loan # XXXX. My wife has been XXXX for greater than 10 years, I closed XXXX XX/XX/XXXX as a consequence of the financial crisis during the preceding years. On several occasions, I have had to withdraw funds from my 401K to cover expenses including my mortage. Chase turned me down for assistance 2 times. XX/XX/XXXX I sought the assistance of an attorney ( XXXX XXXX XXXX ) to assist with the difficulties in gaining mortage assistance form Chase and they turned me down agian. I am cChase and other mortage lenders accepted bailout money during the national financial crisis -- -however ChaSE they selectively applied assistance and used funding to increase their profits. I wish to file a complaint against them. 

Thank You, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account on XXXX XXXX, XXXX. I signed up with a promotion that said that were I to meet a certain set of criteria, I would receive XXXX ThankYou Points as a bonus. 

I confirmed multiple times with Citibank representatives via online chat that the bonus was indeed applied to my account. I have documentation of one of these interactions, which happened in XXXX XXXX. A representative, XXXX, confirmed that I had the bonus applied to my account, that I had met all the necessary requirements to meet the bonus, and that I would receive the XXXX ThankYou Points by no later than XXXX XXXX, XXXX. 

After XXXX XXXX had passed, I once again contacted Citigold online and spoke with a rep, XXXX. He told me that the promotions team would instigate an investigation about th e points. 

I then received an email from XXXX XXXX, from Citi 's Client Research department, who told me that " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' However, multiple citi reps had confirmed to me prior to the XXXX letter that I did in fact have the bonus attached to my account and that I would receive the points at the end of XXXX. I know the bonus was attached to my account, since I would never have consented to open the account and pay the $ XXXX monthly fee otherwise. I hope Citibank follows through on its promises and sends me the promised XXXX ThankyYou Points.

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 2016-01-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America changed my account type from a fee free account to an account with fees after they " changed and reorganized their products ''. I had a Bank of America enhanced checking account that was fee free based on my relationship with Bank of America. I had a credit card and thus all account fees were waived. Bank of America changed my account type without authorization and is now charging me fees. This was an unwanted change.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Background : I receive a weekly credit report from XXXX. In order to verify the information, I went to Equifax and ordered the three-bureau report. The XXXX score reported on Equifax 's report seemed low to me, so I went to XXXX directly. Their score was significantly higher than the one reported by Equifax. I called Equifax to understand why the XXXX reports were so vastly different. 

During my call, the supervisor mentioned that Equifax runs its own model to develop credit scores. When asked why the XXXX XXXX scores ( the one provided by Equifax and the one provided directly from XXXX ) were so vastly different, the supervisor indicated that this was because Equifax generates their reports using their own model based on XXXX criteria. 

Complaint : I have XXXX alternative complaints : ( 1 ) That Equifax never disclosed to me, their customer, that when purchasing their XXXX-bureau package, they would not be giving me XXXX actual score, but rather their score based on XXXX criteria. In reliance of their advertisement that I could receive all XXXX Bureau 's scores, I purchased the package. ( 2 ) That Equifax , if they are not willing to disclose that they will be generating their score based on XXXX criteria, should then be made to provide the score I am able to obtain from XXXX directly. 

Conclusion : Given the sensitivity and importance around credit scores, and the need to provide such information to potential lenders, the bureaus have the responsibility to accurately and completely disclose to their customers where scores are actually coming from, rather than misleading them into purchasing a XXXX-bureau package that only provides a score from XXXX bureau with the other XXXX bureau 's criteria. Given that I was able to do my diligence, and reconcile the report provided by Equifax and the report provided by XXXX, I believe I was in fact mislead by Equifax.

Company response to consumer: Closed with explanation