BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Late fee

Complaint:
In XXXX 2015, I did my online banking as usual for a Chase credit card - Southwest Visa. The due date was on a Sunday, and the bank did not log the payment on that day, but charged me a late fee. I was not aware of this, since I sent my payment on time. But the next month 's payment was more because of this illegal late charge. So even though I paid on time in XXXX, Chase again assessed a late charge. I saw an email alert and called them. After we figured out what happened, they refunded a portion of the late fees, and promised to refund all if I made an extra payment right away. I did that, but when I called, they refused to refund the remaining late fee. So for no fault of my own, Chase charged me XXXX late fees, refunded a portion, but still kept {$35.00}. I have heard of many people having similar problems w Chase, and I have to think there is a patter of deceit by this bank ( never mind on the large scale, but even in small ways Chase finds a way to rip people off ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Clarity Services
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I recently applied for a loan online and most of the websites that offer this services online, are confusing so I never understood when I applied for a loan or not because at the end XXXX or more windows popped up with more applications and they were all confusing, however the ones that I successfully submitted were denied. So I requested my credit report for the agency ( Clarity Services and XXXX XXXX ) and the one from XXXX XXXX is ok, but the one from XXXX Services came out with information that did n't make happy at all. The report says that my SSN is false!!! And all my information is real, I have a real SSN and a way to prove it. Also my name is spelled wrong, and I am sure I never used my name with " Z '', my name is XXXX and they used XXXX ( which means happy in XXXX ) So I called them but never answered the phone and I am very upset because the report is wrong and I have n't been able to get the loan I need for an emergency I have. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: KEYCORP
State: CO
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:
I transferred money on XX/XX/2022 for the amount of {$75.00}. The money was already debited out of my XXXX XXXX account and was deposited on XX/XX/2022. Key bank is withholding my funds, so they can accrue their real time over draft fees. I spoke to a XXXX XXXX representative they informed me my information was correct and accurate, that my bank is holding the funds which is Key bank. Spoke to multiple online banking representatives, XXXX a supervisor encouraged me to sue. Instead of handling the situation at hand. She was rude. All I want is what's rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I applied online for a payday loan with CashCentral.com on  XXXX   XXXX ,  2017 . I have the legal right to cancel the online loan request within 3 days. I did not receive the funds until  XXXX   XXXX ,  2017  on the same day I faxed a written Noti ce of Cancellation  t o Cash Central to end the transaction withdraw their funds w/no interest. I faxed and emailed Cash Central a gain on  XXXX   XXXX ,    2017  to withdraw only the loan funds without the interest because I requested cancellation of the transaction on  XXXX   XXXX ,  2017 . I have confirmation of the written communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX there were fraudulent charges made on my account for a total of {$350.00}. I notified XXXX XXXX that these charges were fraudulent and they initially removed them from my account, closed that account, and began an investigation. However, when they opened a new account they transferred the fraudulent charges to the new account. Then, in a series of phone calls between XX/XX/XXXX and XX/XX/XXXX ( and some prior phone calls ), some lasting up to two hours, I was told many different conflicting. One representative alleged that those charges were charges that I had spent on the new account, which was demonstrably untrue. I had another representative tell me that that the transfer of the charges was a mistake on the part of XXXX XXXX. Finally, I had a third representative tell me that it was a part of XXXX XXXX XXXXs investigation process, which seems unlikely as I have never had charges be added back to an account while an investigation was pending. Furthermore, I never received notification that an investigation had started within the legally required 30 day period.

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 2017-05-31
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked numerous ti mes for Capio to  send me the proof that these  XXXX  items on my credit reports are mine. The credit bureaus deleted these and now I seem them back on with out the proof ever being sent to me. These charges listed are not mine and it is fraudulent for them to keep reporting without 100 % proof and accuracy, which has never been provided! I am in the process of buying a home and this has been resolved once by the deletion of these items, only for them to reinsert them, it is not fair for them to be able to keep doing that. I have NEVER been provided with the original paperwork with information showing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Experian Information Solutions Inc.
State: MI
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:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX : {$0.00}. 
XXXX  Date of inquiry XX/XX/2020

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 2022-06-20
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account US DEPT ED XXXX XXXX XXXX XXXX Please remove it from my credit report. 

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

3. Validate Account XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, 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:
I have submitted disputes to you and I don't get a response within 30 days and you all are required by law to do so. Please investigate my disputes. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries that I did not authorize are showing on my report.

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 2015-08-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Company has asked me for sources of income insisting on using student loan money to pay back loans. My understanding is that student loans are under federal jurisdiction and as per stipulations regarding students loans ; Money borrowed can not be used for purposes other than education. I do not believe it is right consciously knowing that it is not allowed that the company is suggesting using these tactics nor are the personnel qualified to make suggestions of that nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: AVANTE
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: ERC
State: OH
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
From day one when I tried to make a payment, they repeatedly yelled foreclosure. Then only after saying Id report them to a federal agency did they accept a payment. 
I got behind, and they sent a PREFORECLOSURE statement to me. But in their report they noted payments that were for months that had not even came yet!!! ( see document ). 
I reported them to your agency and they said they would work with me. They said they would allow the payments to continue, but I had to pay their LAWYER fees for the foreclosure process. I asked them to extend the time to pay back the money, but they said there was a LAW which said they could not do that, They demanded {$1200.00} down and {$600.00} per month for 12 months and said if I missed one payment they would foreclose. I was paying about {$330.00} before. So they almost DOUBLED the amount of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Franklin Collection Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Franklin Collection Services is attempting to collect on a debt that is allegedly owed by me to XXXX XXXX XXXX. Case # XXXX. 

On XX/XX/XXXX ( via certified mail ) and then again on XX/XX/XXXX, I sent XXXX XXXX who is an account manager at Franklin Collection Services a FTC Identify Theft Affidavit attesting that the account in question was result of identify theft. Mrs. XXXX confirmed receipt on XX/XX/XXXX. Mrs. XXXX attempted to inform me that she needed to allow XXXX XXXX XXXX to conduct its own investigation, however, this is in direct violation of Federal Law since Franklin Collection Services is the furnisher of the erroneous information to the credit bureaus, not XXXX XXXX XXXX. 

Since Franklin Collection Services is currently furnishing the XXXX XXXX XXXX account to the three credit bureaus, and I have sent Franklin Collection Services a FTC Identify Theft Affidavit, Franklin Collection Services is mandated to immediately remove and retract this information from the credit bureaus pursuant to FCRA 623 ( a ) ( 6 ) ( B ).

The statue reads : " ( 6 ) Duties of Furnishers Upon Notice of Identity Theft-Related Information ( B ) Information alleged to result from identity theft. If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.

Company response to consumer: Closed
Consumer complaint received 2016-08-23
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently an activated service member covered under scra. I have a balloon loan due in XXXX of XXXX. I have contacted Bank Of America regarding my options. I can not get Bank of America to answer what my options are. They have forced me to spend hours on hold every time i escalate the question while still not answering the question. They have refused written, including electronic correspondance in order to answer the question. I believe they are practicing deciet by omission. While i accept that this is commonly used by the banking industry. It is my personal believe that the SCRA would not allow 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 explanation
Consumer complaint received 2020-01-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in paperwork to have account investigated. I didn't recieve the appropriate information proving this account is mine. Now I'm seeing that account was sold to a collection agency. The amount is {$2900.00}. I am requesting original signed contract, copy of license to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. This is the information I requested the 1st time and never received. I don't want a copy of a bill. That is not validation or verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: SC
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:
XXXX, XXXX, I ask Equifax to INVESTIGATE my consumer report for the inquiries that I did not give written permission for any company to obtain. I have the results for two investigations that were done. One dated XX/XX/2022, with the confirmation # XXXX.The inquiries that I ask them to investigate were removed. XX/XX/XXXX & XX/XX/XXXX, XXXX consumer file # XXXX & # XXXX, I got a copy of my consumer reports with the inquires still being listed. I ask them to reinvestigate. I sent documentation, including an FTC report, and ID through CFPB, along with my rights as a consumer, and some of the laws to were being violated. XXXX, I received a copy of my consumer report with no changes- consumer file # XXXX, and the results from CFPB stating that Equifax did not remove the inquiries I ask them to reinvestigate. 
My rights as a consumer has been violated. I have the right to privacy. I did not give the company ANY written permission to obtain my credit report. As I stated in my last complaint, 15 USC 1681 section 602A, 15 USC 1681 section 604A section 2, 15 USCs-2 ( A ) ( 1 ), 15 USC 1681a ( e ) states that the term " investigative consumer report '' means a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews neighbors, friends, or associates of the consumer being reported on or with other with whom he is acquainted or who may have knowledge concerning any such item or information, however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Company response to consumer: Closed with explanation