BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: JPMORGAN CHASE & CO.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX account no. XXXX, has violated my rights. 

15 U.S.C. 1681 section 602A states that I have the right to privacy.

15 U.S.C. 1681 section 604A ; section 2, states that a consumer reporting agency can not furnish an 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 2022-05-31
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been repaying college loans for XXXX daughters since XXXX. Navient has made multiple errors recording payments. There were multiple subaccounts and also XXXX daughter got navient loan for XXXX school which has caused a few errors. I have asked and later demanded that Navient provide information and have their qualified manager verify my actual balance and compare their records with mine to verify all my payments were recorded and correct interest applied. Navient has many times mailed me a packet of information but that does not demonstrate my concerns. I seriously doubt that I still owe more than {$8000.00}. I am highly concerned about the multiple errors navient has made including several in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, 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:
There are alledge charge offs on my credit report that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc1681 i ( a ) ] I am demanding the removal of these items. 

XXXX XXXX XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Unfortunately, I dont have all the dates but I will provide a short summary of over 12 months of me attempting to collect a credit from Barclays US . 

I was issued a refund on XX/XX/2021 from a hotel stay. When I realized the funds did not reflect on my credit card, I contacted Barclays US. The representative was unprofessional and immediately stated that I wouldnt get a full refund because I stayed at the hotel for a night. The merchant had advised, prior to check-out, that I would receive a full refund. Since then, I have reached out to the merchant and Barclays US several times to get this issue resolved. The merchant has provided a receipt that shows the refund which I faxed over to Barclay. The initial reason Barclay refused my refund is bc they were advised that the hotel stay was non-refundable. As of today, the reason I was told is some merchants will say they refunded the purchase but not complete the actual refund. This is extremely frustrating bc I have provided evidence that the refund was issued but Barclays US refuses to issue the refund to me. The most hurtful part of this all is I had to pay Barclays US in order to remain in good standing with the credit bureau! Its unfair that this company is allowed to do this to a hard working single mother. This ordeal has been a horrific experience. I NEVER wish to do business with them again! I feel like they stole from me and the company should be ashamed! I was a loyal customer but Barclays US was complete trash to me! I canceled the card today. I would also like to add, I attempted to speak with a manager, I was advised I had to wait up to two weeks for a call back that I never received. This happened twice.

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 2016-06-17
Company: Selene Finance LP
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Selene Finance will not help me figure out why there are so many different amounts used for figuring out my payoff on my home and they are foreclosing even when I told them I was wanting to keep my home. The attached documents they sent me are for payoffs that they did on the same day and the one for XXXX XXXX payoff is higher than the one for XXXX XXXX because of their " XXXX Foreclosure Fees '' they charged. I wanted to know if that was the amount they were charging each month and XXXX at Selene told me he did n't know how the payment department figured out the payoffs for this and they did n't have a phone number or name of the person I should speak with for current payoff information. If I would have been able to get this information today, I would have had the payoff amount. My Aunt was in town and she was going to pay for my home and I was going to make her payments. Because of this conflicting information, and the lack of information I received when I called Selene, she decided against it because she said the amounts did not make sense and until I had that cleared up, she would not loan me the money. My house loan was for {$140000.00} in XXXX and I paid on it for 10 years at which time I needed help with payments and never was able to get it from XXXX XXXX. Now the amount owed is somewhere between $ XXXX - $ XXXX according to Selene and they do n't know where they got the amounts from. I was discharged from the loan in a chapter XXXX bankruptcy and now they are taking my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
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 had a credit card with Capital one that got behind and went to collections. I have since paid the collection agency in full. The credit card was showing on my credit report under the collections agency and under Capital one. So same debt listed twice on my credit report. The collections agency- XXXX XXXX have removed the collections off my credit, but Capital one is still showing I have that credit card and is reporting it with a balance and a negative mark every month. I have disputed this too many times to count and have called just as much. I always get snarky reps uninterested on doing anything about it as it continues to ruin my credit month after month. I am literally at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: EQUIFAX, 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:
There are alledge late payments on my account that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc 1681 i ( a ) ] I am demanding that these items be removed. 

XXXX  - XXXX XXXX account number XXXX XXXX XXXX/ account number XXXX XXXX XXXX/ account number XXXX  XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PHH Mortgage Services Corporation
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged. 
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with a representative 2 weeks ago and told them that I would be paying off my debt within the month. They have been calling me consistently every day multiple times a day ( minimum of 9x/day ) from multiple phone numbers. 
The various phone numbers are from all over the country so it makes it seem like it 's a different company but it 's ALWAYS the same collections agency.

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 2019-11-26
Company: Mr. Cooper Group Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
hello. 
I had a mortgage of {$310000.00} with XXXX XXXX XXXX XXXX XXXX, a Delaware corporation XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXXIn XX/XX/XXXX XXXXwith a PMI. Then my loan was transferred to other loan services.in XXXX it was by XXXX ( i was never told that they are debt collector. ) WHEN I asked for the original NOTE, ( I had a contact with a lawyer that told me my mortgage was paid off. ) they started a foreclosure process.and get to a sheriff Sale. At that point, I had a bad mortgage counselor, that put me in a wrong loan modification to save my home. I make 9 payment of XXXX.i was asking for the original NOTE, in the beginning of XXXX, XXXX, transferred the loan to Mr. COOPER, I CALL my loan specialist from Mr. COOPER more than 6 times, to tell them that my loan was paid off, to investigate the original note. 
they told me each time they are going to investigate and to sent me the proper docs.AS today XX/XX/XXXX, I did not receive from them. 
I have a strong understanding that my loan was paid off. 
as any time I asked for the original NOTE NO one was able to provide any note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Today XX/XX/XXXX at XXXX XXXX MST I went to the drive thru ATM to deposit {$810.00} cash funds. I was in a rush trying to get this done before XXXX XXXX  so I can pay my rent. I have never had problems in the past depositing cash at the ATM. When the ATM took my money it spit out a receipt to call XXXX. This number does not get me to the correct person. Its Automated. Then I go into the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT branch only for them to tell me they cant do anything and to call that number again. They did say they would give me my funds back immediately if I called a direct number that I begged for. I called that number which told me they filed a claim but it would take 2 days! They did state I would get a temporary credit on my account within XXXX hours but nothing has been shown. They had no remorse for me potentially getting evicted because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: MS
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 DPED XXXX Account # XXXX, Account # XXXX, DPT EDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, Account # XXXX, XXXX  Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-25
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
no follow up. 

Coinbase XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX and all of them auto cancelled due to 48 hr window trying to move funds from a vault to the wallet. 
My email approved the transactions 2nd approver ( wife ) approved as well multiple times yet still no service, answer to my emails, costing me $ $ . 

Need a live coinbase rep and or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AmerAssist A/R Solutions, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuously contacting me at my place of employment. Harrassing calls all day. Company - AmerAssist Turnaround Management

Company response to consumer: Closed
Consumer complaint received 2015-12-18
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX/XXXX/XXXX - Macy 's issues branded credit card to consumer. 
- Purchases using special discounts that were offered if the card was used on the same day ( that the credit card was issued ). 
- Macy 's issues a statement for the above purchases with a due date of XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - Account paid in full per the last statement issued on XXXX/XXXX/XXXX. 

DECEPTIVE AND ABUSIVE PRACTICES Although consumer paid the account in full based on all information provided by Macy 's / Citibank on their monthly statement, Macy 's / Citibank continued to accrue interest from the date of the last statement. 
Macy 's / Citibank is engaging in unethical practices on two counts : 1. Macy 's entices its customers to apply for its branded credit card by offering instant approval and a discount for purchases made the same day the card is issued. What it does n't disclose is that it issues a billing statement on the same date that the card is issued and the first purchases are made, which guarantees most customers will miss the first payment. 
XXXX. Even though consumers may pay in full based on the last statement provided, Macy 's / Citibank intentionally accrues interest in a deceptive manner that guarantees the account will never be paid off, resulting in exorbitant service fees and other charges. Specifically, by the time the consumer receives a statement, even if the consumer immediately pays in full, a small interest charge has already accumulated. The predatory aspect of this is that Macy 's / Citibank relies on the consumer 's reasonable belief that s/he has paid off the account in full. Macy 's / Citibank 's subsequent interest and late charges amount to deceptive / predatory credit practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has been restricting my online access and denying the dispute I had for an account that was originally reported by Department of Education Debt Resolution Group. Today I had received a letter from Department of Education confirming the deletion of the account with all credit reporting agencies. Both XXXX and XXXX had deleted the account off my credit report. The only one that has not processed the deletion was Equifax. They've not being cooperating with the request at all. Instead, they restricted my report online access, they also added some random name on my report. I still can't access my online account even after uploading my selfie, ID and social security card. Which is unacceptable. I've attached the letter sent by Department of Ed confirming the deletion. I need Equifax to delete the collection account and the other person 's name off my report, also restore my online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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 information incorrect

Complaint:
I reviewed my credit report and noticed the following issues. XXXX XXXX  - Account number : XXXX This account has many errors/inaccuracies. High credit is not accurate - account is being reported inconsistently across all three bureaus. Date opened is not accurate - account is being reported inconsistently across all three bureaus. Date last active is not accurate - account is being reported inconsistently across all three bureaus. Payment status is not accurate - account is being reported inconsistently across all three bureaus. Payment history is not accurate - account is being reported inconsistently across all three bureaus. I sent a letter on XX/XX/2022 and requested that they removed this account from my credit report due to FCRA violation and they failed to do so.

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 2016-07-15
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan of {$800.00} with the Big picture loan people and was not made aware that the interest was to be 774.350 % .. At this time, I 've made XXXX payments of {$280.00}. At this rate, the payments I would need to make would result in a total of {$6800.00} for an {$800.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right

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 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX account # 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