BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have 87complained times. The problem has not been resolved. my fico has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 120 days straight with XXXX i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 87 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now. nobody helping me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant get aproved for anything which is casing me even more XXXX please Help!!!!

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 2017-02-04
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card
Issue: Late fee

Complaint:
I got a new credit card with Comenity for purchases at XX/XX/XXXX I purchases {$45.00} in XX/XX/XXXX. My bill was due on XX/XX/XXXX. I sent a check for the full amount on XXXX. Comenity did not post the payment until XX/XX/XXXX and charged me a {$27.00} late fee. I called their customer service people to find out why they charged the fee when the payment was sent in plenty of time to arrive before the due date. They said they do not check the postmark date on payments. If they do not get the payment posted by the due date, they levy the late fee. 

When I asked how the late fee is calculated, I was never given a straight answer. The fact that the late fee was just shy of XXXX % of the entire statement balance did n't seem to matter. I know I paid the bill on time. I do n't want to pay the late fee. I have cancelled my account with them but I feel I 'm being blackmailed into paying the {$27.00} to keep them from reporting me to the credit agencies. 

Is there anything I can do? 

Thanks!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-25
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to obtain my credit score by using my Social Security Number for my free credit score that I can get free XXXX a year and I did not recognize none of the answers to the question that they were asking me. So I choose none of the above for all my answers and I was told that there was a problem with identifying me. Someone must stole my identity because I can not receive my score. I stay in an XXXX apartment and never bought a house or finance a vehicle. Please help me, I think someone stole my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The CARES Act makes it illegal for a lender to make negative credit reports about a borrower for accepting mortgage assistance during COVID-19.I accepted the three months ' forbearance that Chase offered ... and the option of putting those three payments at the end of the loan as a balloon payment. I was told by one of the mortgage escalation supervisors ... XXXX XXXX ... that accepting mortgage assistance would result in Chase making negative reports to credit bureaus about me ... and also meant that I could not remove the escrow account from my loan. The negative reports are a direct violation of the CARES Act ... and since accepting the COVID-19 assistance can not be a negative ... by law ... it is also illegal for them not to let me remove the escrow account. I am a XXXX  ... and have read numerous articles that banks are making negative comments to credit agencies if a borrower even inquires about COVID-19 assistance. This must be stopped ... credit ratings must be restored ... and Chase must be punished. I have no supporting documents ... these were all discussions over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: Experian Information Solutions Inc.
State: IL
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 disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute

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 2021-12-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My Venmo account was closed for reasons unknown. When I reached out to the company for more information and to try to unfreeze my account they told me their decision was final and that they would be permanently deactivating my account. They citied improper account activity but did not explain any further. Ive had the account for years with no issues. I have no clue what was done wrong. If the account cant be reopened theres nothing I can do, but I can at least be given a reason for their action. Venmo should give warnings to their users prior to randomly shutting them out of their service. Its abrupt, weird, disruptive, and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
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:
There are three issues that resulted in customer confusion and ultimately the misapplication of fees and interest to my Bank of America credit card account after I had set up an automatic monthly payment starting in XXXX. 

Issue 1 : The Automatic Payment, set to process on the " due date '', would not process until 1-5 business days after the scheduled due date. For example, in XXXX, my bill was due on XX/XX/XXXX. The autopay was set to process on the " due date '' in Bank of America 's system, but it did not process until XX/XX/XXXX. See attached. 

Issue 2 : The Automatic Payment, set to process the " Amount Due '', did not process the monthly statement balance, rather the minimum amount due plus any fees/interest. This is highly confusion because Bank of America offers 4 payment options for the Automatic Payments : Minimum Amount Due, Amount Due, Account Balance, Fixed Monthly Rate. None of these accurately describe paying the monthly statement balance ( what Bank of America apparently calls Account Balance ), but Account Balance is a misnomer in of itself. 

The result of these two issues in the Automatic Payment system is that not only do customers autopay their bills later than the due date and incur late fees, but that interest is assessed on the remaining statement balance due because the AutoPay only pays the " Amount Due '' - or in Bank of America 's terms, just the minimum due plus fees/interest. This is not only confusing, but potentially exploitative if intentional - especially on an AutoPay system that is designed to make payments easier and less of a hassle. 

Lastly, it is worth noting that the customer support specialist and the credit card account specialist noted that this is a source of confusion for multiple customers. The credit card account specialist even indicated that she had put in a note about the issues for prior customers multiple times. As an informed customer already with multiple credit card accounts on automatic payments across multiple banks, this should not have been an issue - but I doubt I'm the only one who has had this issue. Here 's a blog that also describes the same issue from XX/XX/2019 : XXXX XXXX XXXX  Fortunately, I caught this in just under two months and under {$100.00} in late fees/interest. After only an hour on the phone with Bank of America, they were able to credit the fees and interest over the two-month period and help me change my Automatic Payment options so this isn't an issue in the future.

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 2021-12-15
Company: EQUIFAX, INC.
State: TN
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 wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
my name is XXXX XXXX, for the past 12 month i been asking caliber loan mortgage for a loan modification.an, d a 3month trail period, but what they did put my loan in foreclosure.before review my information, i ask them to produce the note on my loan i belive it to be wrong when XXXX motgage sold them my loan.but caliber when ahead a foreclosure.is there a law that said that the mortgage company have to follow be for they foreclose on you. 
looking to see what answer you will get back from caliber home loan. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Tried to cancel my recently issued XXXX card ( ownership changed from XXXX to Barclay ) after XXXX phone call attempts to cancel with hold time totally & gt ; 40 minutes, the company told me they were not able to cancel at this time.

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 2022-07-22
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Calling me asking me to pay for a dept from Citibank credit card that was resolved in the bankruptcy XXXX  years ago

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have been trying to to resolve XXXX credit card accounts by paying smallaount for each of them But Citibank has been sending their formattedletters without any specificity or without letting me know about myproposal. They say they responded before but their response isuseless. I hope this time they let me know if they will accept total {$1000.00} for settling both accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
HI, I opened capital one bank checking ( account ending XXXX ) on XX/XX/XXXX and made direct deposit {$250.00} and few days later ( XX/XX/XXXX ) funds in the account was not accessible, I checked online banking it shows Your funds are currently not available for withdrawal. Please call us at XXXX. I contact the customer care on XX/XX/XXXX and they told they are investigating account and will back within few days. On every month I am contacting customer care to allow to withdraw {$250.00} but every time they are saying they are still investigating. 

Can you help me in this matter to get the funds ( {$250.00} ) and close my account with capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: OK
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 # 's 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 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 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My partner and I are the beneficiary of an estate and have inherited a home in FL. The property was fully paid for ( No first mortgage ). The owner had a Home Equity Line Of Credit available which has never been utilized in any way and has a ZERO balance due. The Decedent went to great lengths to create an estate that would not require any probate actions upon his death. He had XXXX outstanding debt and lived a simple life. Upon his death my partner and I as joint tenants on the deed took ownership of the home. 

In order to improve the property to lease it we have been approved for a first mortgage by XXXX XXXX. Chase bank is holding a lien for the HELOC and is refusing to close the line of credit WITH A ZERO BALANCE without a court authorized agent signing a bank required document to close the account. The cost of probate to appoint a court authorized agent will cost XXXX to XXXX XXXX dollars in attorney fees to have a line of credit closed. I have already spent {$330.00} for an attorney to send a letter explaining the UNREASONABLE BURDEN this arbitrary requirement CHASE bank is imposing on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: 3rd Generation, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I am disputing this because it is wrong for them to put this on my credit report when I'm still paying them. How can they put this at the middle of the purchase of the car payments when I'm still paying on it? Not to mention this car has been a awful investment. I purchased this car because the car I wanted was undergoing work it needed. So this car was a loaner and wrecked at that. So, I needed a car really bad so I got it with the XXXX down-payment I may add. 3 months into the car the motor blew out on me. So there was another XXXX no warranty on car may I add. And now I can't even get to pass smog because of a Gas leak on the underneath of the car.And this company has got alot of nerve to put this on my record of late payments. XXXX XXXX XXXXXXXX XXXX XXXX they get their payments. So they got no rite to put this on my credit report. This car is almost paid off. But they should be getting sued for the lemon law. They want to ruin my credit that I don't really have and trying my hardest to build. Could you please look further into this. It's not fair for these people to have the rite to put false information on me.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: NY
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
During my loss mitigation application process, I contacted Ocwen at regular intervals in order to understand my loss mitigation options and understand the status of my loss mitigation application. On Thursday, XXXX XXXX I made three attempts to contact Ocwen. Upon each of four initial contacts, a representative transferred me to the Ocwen short sale department. During my call at XXXX XXXX XXXX XXXX XXXX XXXX XXXX A recorded message answered at the short sale department and explained that Ocwen business hours were between XXXX and XXXX and then my call was disconnected. Because the call was between those business hours, I could find no reason why my call was not answered. On Friday, XXXX XXXX, I had the exact same situation occur at XXXX XXXX and XXXX 

I believe that there is a system error at Ocwen that is resulting in an unfair practice to me. I have no control over their automated system, or errors that it perpetuates by hanging up on borrowers. I was disconnected XXXX TIMES when trying to obtain information on my loss mitigation application. This resulted in delays getting me information about my application. If Ocwen does not have a glitch in their automated system, they do not have appropriate phone system procedures in place to route calls appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am sending you the facts of my Consumer Financial Protection Agency complaint against your company, in the hopes that you may use the information to conduct your business in a less predatory / more honest way. 
In 2015 your insurance was added to my account without my knowledge or authorization, resulting in monthly charges of XXXX, totally {$350.00} at present. 
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible '', but still charged us {$85.00} for the visit. 
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested, it took 3 weeks to get a response 3 ) When response was made, a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding " inaccessibility '' of pipes, etc. As if the representative was aware that the issue was not covered, they listed the problem as a water line problem when it was clearly stated twice to be a sewer issue. 
I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX, VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance, which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices, attention should be paid 1 ) how customers are signed up ( a signature or voice recording would be advisable ) ; 2 ) how exclusions are disclosed upon sign-up and upon service requests.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief