BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Bank of America sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, " If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A BOA representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).

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 2023-04-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2021-03-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a collection account on my credit report, that they should have never reported. Prior to the account appearing on my credit report, I never received any prior notification. According to the Fair Debt Collection Practices Act, they should have provided me with a 30-day notice to dispute, but they did not do that. Therefore, it is illegal for this collection agency to continue to report this account on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Citibank I am having trouble paying my bills with my debit card last night. ( I HAVE A CHECKING ACCOUNT ) have than enough money in my account to cover bills ( I already had enough money on my account, and made more deposits last night ). 

Why does my debit card continue to decline? Ive already called 5 times. 

Customer service rep 1 : Everythings ok, your card shouldnt of been declined I tried paying my bill. Same issue. Declined. I called back 10 mins later. 

Customer service rep # 2 : it seems fine, but I cant do anything our system is down. Try calling us at XXXX your time. 

Tried paying my bill again. Same thing happened. 

Called back 10 mins later. 

Customer Service # 3 : hangs up on me without even opening my mouth. 

Call 4 and 5. Been on hold for more thank 30 mins. 

Please help. Ive already written to them on BOTH your XXXX accounts ( Citi and Citibank US ), I sent a PRIVATE MESSAGE to Citibank US on XXXX, and I left a COMMENT on your XXXX  Account @ citi, and sent a PRIVATE MESSAGE on XXXX @ Citi with the same message. I also emailed them. 

They finally respond back on XXXX, telling me to call their Fraud department which I did. The Fraud department doesnt know whats going on, and is convinced that its not them. I straight up sat with the Fraud department and tried 3 different retailers : XXXX to pay my insurance XXXX XXXX 3 different retailers are telling me its CITIBANK, and not them. Fraud Department leaves me hanging, and transferring me over to customer service. I was place on hold with customer yet again for the 8th time now ... someone picks up and hangs up on me

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 2016-03-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They have allowed XXXX XXXX XXXX to reinsert the paid off debt. This debt was paid off, and was deleted..Now its been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE A CREDIT CARD ACCOUNT THAT WENT INTO COLLECTIONS IN 2019 THAT HAS BEEN SOLD TO MIDLAND CREDIT. MIDLAND CREDIT IS REPORTING MY ACCOUNT AS COLLECTIONS ON MY CREDIT REPORT HOWEVER I HAVE AND HAVE OTHER ACCOUNTS THAT ARE OR WAS IN COLLECTIONS THAT DOES NOT REPORT AS COLLECTION BUT DOES REPORT AS A CLOSED ACCOUNT BY GRANTOR. 

I HAVE DISPUTED THE REPORTING AS I HAVE BEEN MAKING PAYMENTS ON THE DEBT SINCE THE ACCOUNT WAS OPENED BY MIDLAND CREDIT. 

THEY UPDATE THE ACCOUNT EACH MONTH WITH MY PAYMENTS HOWEVER IT SHOWS AS A COLLECTION ACCOUNT AND APPEARS TO BE NEW EACH MONTH CAUSING MY CREDIT SCORE TO SIGNIFICANTLY FALL EACH MONTH AND SHOWS AS A RED FLAG ON REPORTS INCLUDING XXXX XXXX AND XXXX. 

I HAVE CONTACTED MIDLAND SEVERAL TIMES ONLY TO BE ANSWERED BY A PERSON IN A FOREIGN COUNTRY WHO DOES NOT ANSWER MY QUESTION AND POINTS ME TO A CUSTOMER SERVICE DEPARTMENT IN THE US THAT IS " NEVER AVAILABLE '' EACH TIME THEY TRY AND TRANSFER. I WANT THEM TO REMOVE THE BLACK MARK AND HAVE HIT A BRICK WALL EACH TIME I DISPUTE THROUGH THE BUREAUS. 

PLEASE LET ME KNOW WHAT ELSE I MAY DO. 

THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: OH
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:
I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX  XXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a XXXX XXXX XXXX XXXX XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX XX/XX/XXXX for XXXX dollars. XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX  XXXX/XX/XX/XXXX XXXX/XXXX / XX/XX/XXXX, XXXX XXXX XXXX/XX/XX/XXXX , XX/XX/XXXX XXXX  Acct/ XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XXXX, XXXX XXXX XXXX/ XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: ECMC GROUP, INC.
State: WI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They started garnishing my wages without sending me anything at all and they have the wrong information for me it has me at XXXX XXXX XXXX I havent lived there in over 10 years

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 2017-10-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
XXXX XXXX XXXX, Account # XXXX I received a letter dated XX/XX/17 form  XXXX stating that I owed them {$400.00}. The letter did not provide an explanation of what this charge represented. When I called XXXX I was told that the charge represented a personal property tax XXXX paid on the vehicle after I turned the vehicle back in. I requested that they send me a copy of the Personal Property Tax bill that they paid and they told me that they would not do that. I stated that I would not pay this invoice unless I received proof that they paid this fee. They again refused saying that obtaining this proof was my problem and said they would pursue collection. I then reiterated my position and told them I would be filing a complaint with CFPB if they pursued collection. To be clear I am willing to pay this bill if I am provided with proof of payment by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently discharge from bankruptcy and I was reviewing my mortgage and noticed that my loan balance balloon to almost {$100000.00} from the original loan amount of {$54000.00}. I do not understand how the mortgage balance increase to such an extraordinary amount. I reached out to Caliber Home Loans on XX/XX/XXXX, XX/XX/2020, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation as to how I could owe more on the mortgage than the agreed original amount. None of the responses I received made sense, as they were saying the outrageous increase was due to a deferred balance amount that is the cumulative difference between my monthly Average Billing amount and what I would owe if you were not signed up for Average Billing. I furthered inquired as to what average billing was and when did I signed up for such a terrible program. Caliber could not provide any proof or information and indicated that it was part of my home modification. I asked Caliber to furnish that proof and XX/XX/XXXX and they requested I give them up to 30 days to comply. It has been more than 30 days and Caliber has not provided proof as to when I agreed to be put in such a terrible program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My HSBC accounts including checking account and two credit account were blocked by HSBC. I contacted HSBC premier customer service and fraud department to discuss the issue. All the agent told me my account were blocked by another department, and I can not contact that department directly. They can send my request to remove the block or close the account to that department. However, that department did not response. As a bank customer, I have the right to close my account, to deposit and withdraw my own money. HSBC refuse to provide that kind of service. I need the money in my checking urgently. All the customer service agent asked me to wait, but I can not wait indefinitely. I want to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Equifax has had incorrect information in dispute for 3 months and have not addressed it. I also sent in information to remove fraud alerts from my credit report months ago and they did not remove those either. Equifax has broken the laws not removeing the inaccurate items or addressing the disputes that were done online, in the mail and via fax. They did not remove all fraud alerts as well it was sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: JPMORGAN CHASE & CO.
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:
Chase continues in the misleading comment to my credit report, ACCOUNT TRANSFERRED. This is unjustly defamatory in representing me as negligent. The truth is that Chase breached their contract with me after agreeing to fulfill the terms of their own modification agreement, transferred my account, and now fail to properly reflect this truth in my credit report. 

They assured me that they would be moved to the back of the loan when they approved a modification and that the late payments would be removed from my credit report, as late. My account was sold after I had been approved for this modification. They breached their written contract with me. THEY SHOULD NEVER HAVE SOLD MY ACCOUNT, MOVED IT ONLY AFTER MODIFYING IT with the updates, as promised.

Chase should be investigated and held accountable for this fraud, which just as they planned lowered my credit score while turning themselves a profit. Chase knew that this fraudulent representation of " me as negligent '' made my account attractive to the buyer by making it difficult for me to secure re-financing, with a lowered interest rate, due to 7 years of this misleading reporting to the credit bureaus. 

Worse, despite having told me to pay my first modification payment by XX/XX/XXXX, they recently updated my credit report to show that my XXXX payment was late. When I tried to make the payment by telephone on XX/XX/XXXX, they refused to take it saying they had sold the account. They sent me conflicting letters. 

I had asked for a deferment. I am XXXX, so I was " verbally '' told that they could only offer me a modification. I was " verbally '' told that I would not be eligible until I missed three payments - XXXX, XXXX, XXXX. I did due to financial duress. 

I have been communicating with them since XXXX of XXXX to resolve this. They have refused. I believe I am protected by federal EEOC and continuing violations federal laws, and state fraud and libel laws, so today, I also filed an EEOC complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and noticed I have an fraudulent 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 2021-03-19
Company: SYNCHRONY FINANCIAL
State: FL
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:
I got an email from XXXX  saying my usage on this card went from 36.42 % to 54.08 %. I found that hard to believe because I haven't used the card since XX/XX/XXXX on purpose. I was working on paying it off by paying more than the minimum payment every month. I contacted Synchrony on XX/XX/XXXX and I waited on hold for 20 minutes. I finally got an agent who told me my interest was charged base off my initial charge of {$1000.00}, however my XXXX statement says I was charged interest off of {$680.00} at 29.99 %. She told me if I could pay {$310.00} this month, they would waive my interest fee. We are in a pandemic and I can not afford such a high payment. And then the agent hung up on me when I asked for an explanation as to how my interest was calculated. My issue is why wasn't I charged interest based off of the balance I owed which was {$430.00}. My interest rate was 29.99 %. I am not disputing that I owe an interest fee. I am just disputing the amount. {$290.00} is too much to be charged for interest. Based off of the balance that I had of {$430.00} I was charged almost 50 % interest. I was told that I wouldn't be charged interest for the first 12 months.

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 2021-03-19
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hyundai XXXX company is still charging late fees, telling customers if they send an extra payment by mistake, that they can't return it and not telling customers up front about other options if they need to miss a payment. And also, if you have divorce paperwork giving you car in settlement they refused to change information on loan and tile, making it very difficult just to do the right things.

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 2015-07-12
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
we have paid off the XXXX ford truck I want it off my account and paid off XXXX XXXX get it off my account and XXXX XXXX was a terriable place to live XXXX next door to us fighing I called the drug enforcement took 5 months to get something done I feared my life and to many fires at XXXX XXXX and the one owner no longers owns it I want wwant it all taken off this is not fair the truck was sold at a action and after it was sold we owed nothing we got money back take part XXXX off and the ford truck and XXXX XXXX I pd XXXX XXXX in full get it off my credit ... ... ... ... ... ... ... ... ... ... ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SETERUS is the WORST customer service in history of the world. In the dozen of times I have contacted them only twice have they been helpful and address my issues. Mostly they just hang up on me like the last XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX they falsely claimed I missed a payment and the information is on my credit report falsely since then. They keep lying and pushing out the action incentive that was due XX/XX/XXXX. They are clueless and go out of their way to mislead and delay addressing my concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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:
called my news wifes cell phone number ( got married 2 months ago ) on a debit from 2004 ( credit card ). I did n't even know her then and this is the XXXX call to her in XXXX month. They should n't even have her phone number. The XXXX call she asked to have her number removed and not associated with this. and today they called again

Company response to consumer: Closed with non-monetary relief