BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-13
Company: Lewis & Clark Capital LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I received a payoff balance earlier in the month that is good through the XXXX. 

I paid a large portion of the loan ( initial loan in full ) and planned to pay the balance tomorrow when I am paid. 

The loan isn't even due yet. 

I received a call to let me know I hadn't paid it in full and it was my responsibility, etc. 

I told her I was well aware of it, and that my payoff quote was good through the XXXX. I thanked her for wasting my time. 

She followed up with an email, copying in their collections department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Paid my Credit Card Bill on XXXX for XXXX it was due on XXXX. I paid it on line through my checking account I have with Chase Bank. Transaction went through on XXXX. When you hit make a payment they only give you one option. Pay with XXXX. So I used it thinking it would go through as it was a direct payment from my Chase Account to Chase, no third parties involved. I double checked it went through it posted to my account on XXXXSo then I get a bill in the mail for XXXX. They said it was late charged me a XXXX late fee which is 58 % on the original bill I owed which is ridiculous also .80 interest. I think this is a scam to make your payments late as they do not give you any other options to pay your bill. I never even use this card except for once a year to pay for on line security. I called Chase at the number listed on my new bill and spoke to a representative I explained my situation he said too bad were not taking it off. So I cancelled the card and will be closing all my accounts with Chase. Sorry XXXX. This is a scam just like XXXX XXXX and XXXX. Check my credit I have a perfect payment history now XXXX wants to ruin that too!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Citi claims they sent me a card. They have not only NEVER verified any information when opening this account but has NEVER verified any information when calling about this account. At no time has anyone verified any PII with me and XXXX documentation has been provided except the fraud Citi has committed. I never received it but, there are over {$7300.00} in charges that no signed receipts have been provided when requested. This bank does NOT follow compliance. They have failed to provide any evidence on their investigations and have violated the FCRA and XXXX. They have sent me multiple communications, each one with a different name of the collection agency they sold my PII to. Which company actually has my information or is 3 different companies. 

By the way, I've never lived in New Jersey, yet the company they sold my information to illegally changed it which tells me that they're part of an identity theft ring.

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 2023-07-13
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XX/XX/XXXX, American Express raised my APR to 28.99 %. Unfortunately, I did not become aware of this until XX/XX/XXXX. American Express states that it raised my APR to this amount due to a late payment. I normally make payments through the American Express mobile application or their website, and there may have been times where I mistakenly scheduled a payment past the due date. The company charges late fees, which I understand, but raising the APR to this astronomical amount is predatory behavior and directly impacts my ability to pay down this debt. 

I asked American Express to lower my APR back to the 12 % or 14 % that it was previously, and to credit or otherwise adjust my account balance to reflect interest fees at that APR. I felt this was a reasonable request, where I would still be responsible for interest fees at a still above-average rate due to my credit. I have had this account since XXXX, and have maintained the account in good standing the entire time. 

American Express refused to make any adjustments to the account, stating that it has a rigid policy that prohibits any exceptions, even though it recognized this rate as egregiously high. 

American Express 's own website provides guidance on debt settlement : https : //www.americanexpress.com/en-us/credit-cards/credit-intel/what-is-debt-settlement/ which states, " Create a realistic repayment or settlement proposal. Create a budget to determine how much you can pay. Although debts are typically settled as a percentage of the total balance owed, it can help to have a good idea of a concrete dollar amount. '' " Present your proposal to your creditor and negotiate. Negotiation will likely require persistence and persuasion. It might even take more than one call. Experts recommend having a clear, concise narrative when explaining your financial hardship '' I estimated the overage in interest charges to be approximately {$2500.00} since XX/XX/XXXX. Given my current balance is approximately {$3500.00}, I requested to settle my debt today with American Express at a reduced amount. I was told that American Express will not consider a settlement while my account remains active in good standing, and, moreover, closing my account while in good standing with an outstanding balance is also insufficient for them to consider a settlement offer. American Express is forcing me to consider delinquency and default, which will damage my credit, before it will even consider settlement on the outstanding debt, the majority of which is due to egregiously high interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent letters to the 3 credit reporting agency 's asking them to show me how they verified a debt for disputed debts they always responded " verified by lender '', when the creditors themselves dont respond to debt verification the accounts I asked where is the verified debt information they received so I may validate the claims. None of the credit agents have responded. It has been over thirty days

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 2023-07-13
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. Remaining Fraudulent Accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have problems with a company named CHEX SYSTEMS INC. Since they are reporting a checking account on my XXXX credit report. Which is affecting me too much since when I apply for credit cards they don't approve them even though I have a good credit history. 
I talked to transunion but unfortunately they still haven't been able to solve the problem. Since this account is reflected in the third party supplementary information part, I demand that it be IMMEDIATELY REMOVED FROM MY XXXX CREDIT REPORT. Since this account does not belong to me and they are making me FRAUD. Because I only have 3 checking accounts and I currently have them active.

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 2023-07-13
Company: Boich Law Offices
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving letters stating I owe {$41000.00} in sales tax to the state of Ohio. The letters are from the law firm of XXXX XXXX, who claims to be XXXX XXXX of what I do not know. Every time I've called to clear this up nobody answers the phone and multiple voicemails have been left with no reply.

As for the debt, the only time I have ever lived in Ohio was the 90 's when I went to college there. I did not have a job during that time, let alone a business. I have now lived on the XXXX XXXX over 20 years and I have never owned a business of any kind, in any state. The letters I keep receiving don't even include my name, just a XXXX XXXX and my apartment address. 

Each time I have left a voicemail I have asked for them to send proof of the debt belonging to me, which is required by state law, and they have never done so. Since I have now received another letter without that being provided I consider this harassment. I have reported this firm to his states XXXX as I have found more info online indicating this is standard practice for XXXX XXXX. Just b/c he has state letterhead does not mean he can ignore collections rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BROCKELBANK INC
State: OH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I spoke to customer service about the non stop phone calls. 
Harassment, I received the threatening calls intimidating calls from a law official to resolve a matter. I asked him that I told him that I was in hardship I ask for deferment I needed time. I need it away out of this unfortunate the font on my credit of student loans help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was charged a late fee and interest on a credit card that had already been paid twice. I had a continuing balance on a Costco Citibank Credit card. The payment due date was the XXXX day of each month. On XX/XX/XXXX, of XXXX I made a {$1000.00} payment on my balance due. On XX/XX/XXXX, I checked the balance on my card and it was {$6400.00}. Which I paid in full online bringing my account to a XXXX balance. 
On XX/XX/XXXX and XX/XX/XXXX, I incurred XXXX charges of {$620.00} and {$19.00}. And expected these charges to be billed on my XXXX statement. On XX/XX/XXXX, I received XXXX statement from Citibank with payment due XX/XX/XXXX. They charged me a {$30.00} late fee and {$11.00} interest fee, even though I had paid off my bill fully on XX/XX/XXXX, 2 days before the due date of XX/XX/XXXX. 

I called Citibank customer service, and at first the woman tried to tell me that I hadnt paid my XXXX bill, but I told her that I had fully paid my account up early on XX/XX/XXXX, XXXX days early. She told me that I hadnt paid my XXXX payment, but I told here I had paid my bill fully on XX/XX/XXXX. 
I asked to speak to a supervisor and he acknowledged that there is some kind of computer problem that if people pay a bill early, it credits the wrong month if you pay it before the due date and you are charged a late fee and interest. 
Its unfair that consumers who pay their bills earlier then the due date and make XXXX separate monthly payments instead of waiting until the next month, receive a penalty because of a computer software glitch. Consumers are needlessly being charged extra fees and interest if they pay their bill early. 

Citibank did reverse the charges once I complained, but how many consumers didnt know the are being erroneously charged late fees and interest in error if make XXXX payments in a month, XXXX at the end of the month instead of at the beginning of the monthly billing cycle.

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 2023-07-14
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been trying to get this account issue solved with Robinhood Inc for awhile. They restricted my account and would not tell me why, Im assuming because on XX/XX/2023 they declined a purchase with my debit card through them from a merchant they did not approve of. 
On XX/XX/XXXX, Robinhood made the decision to close my account and sent me an email stating they would reach out to let me know when and how I can withdraw eligible funds after they are done their remediation process. They never did reach out, when I kept trying to make contact they would send me emails stating my account has been closed, not really answering my questions. 

On the Robinhood app it still says my account is restricted and under review which will take 7-10 days. It is now XX/XX/XXXX, this happened in XXXX. 
My total account value is {$160.00}. My spending account has {$76.00}. My retirement has a Total value of {$20.00} and my investing has a total value of {$63.00}. 

They wouldnt give me a straight answer and now wont answer my calls at all. 
I have email and photo proof of every correspondence, I just want whats mine. Its like they are stealing my money. 

In their contract it states they reserve the right to liquidate any proceeds remaining and send it to the consumer should they decide to close an account, but they have not done that, therefore breaking their own contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I declared XXXX XXXX bankruptcy in XX/XX/XXXX and it was discharged XX/XX/XXXX. Navient claims to be unaware of the discharge and that I owe them the remainder of the student loans. As the amount owing far exceeds the amount of tuition it would have been wiped out in bankruptcy. Amount currently owing is {$55000.00}, the cost of attending the XXXX XXXX XXXX XXXX was {$35000.00}, I graduated in XXXX and made payments until declaring bankruptcy. The amount owed does not include federal loans also used To pay for attending which total {$12000.00}. Navient has ruined my credit score in reporting that I have not paid them. I also

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Greetings, I sent a certified validation letter, cease and desist and affidavit of truth to LVNV Funding LLC on XX/XX/2023. They are a debt collection agency that I do not know and have never done business with. My information was passed on to them by XXXX. They were given my information by XXXX. I also sent XXXX a certified validation letter, cease and desist and affidavit of truth as well on XXXX XXXX. 
Then my information was passed on again to another company after LVNV received my certified letters. I received another letter from Resurgent Capital Services on XX/XX/2023. I do not know who this company is and I've never done business with them before. 
I also recevied another from a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2023 and XX/XX/2023. They were also given my name and private information by LVNV Funding LLC. I also sent XXXX XXXX XXXX XXXX a certified validation letter, cease and desist letter and affidavit of truth on XX/XX/2023 as well. My letter was returned and unclaimed after it was sent to the very address XXXX XXXX XXXX XXXX billed me from. They refused to take my letter. 
So all in all. My information has been breached on several occasions by LVNV and all these companies are in collusion with XXXX and XXXX without my permission and against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email right before XXXX XX/XX/XXXX and another XX/XX/XXXX that I had applied and was approved for an account with Bank of America, which I did not. The first time they canceled and closed the account. This most recent opening i was told the same thing but still received a bank card in the mail with emails saying what to do with my new account.

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 2023-07-31
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXX XXXXXXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX Account number : # XXXX Account name : XXXX. XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX I Original creditor : XXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. 
Account number : # XXXX ALLhave all violated my legal rights under the following laws : XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-14
Company: EQUIFAX, INC.
State: AR
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 am a victim of ID theft and most companies have happily removed their listings from my credit report. The following companies just keep verfying accounts as mine and reporting them to the three bureaus as well as XXXX XXXX XXXX and XXXX. XXXX XXXX  XXXX, XXXX XXXX XXXX, and the Collections agency that purchased the fraudulent XXXX XXXX XXXX account. i have also been unsuccessful in getting the CRAs to block these records from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Please see attachment for all details. I have tried many times to get this fixed and no one wants to do anything. Citizens has been caught before for not handling disputes properly. They keep claiming they researched these claims from years ago but i have followed up and it is not valid. They will not refund my for the transactions. I have been trying for years but they are still not taking disputes seriously. Please help get this fixed and do not listen to them when they respond " we looked into the transactions and they are all accurate ''

Company response to consumer: Closed with explanation