BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a  thousand  complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.

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 2017-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Wells Fargo  closed my card down for some bogus reason that it was n't me that applied for the card. Though I went into the branch when I signed up and they made me go into the branch and give my ID  three times .   I have    XXXX   XXXX   cre dit from a payment to my card that wells fargo refuses to send me a check for.   I 've called  100 's of tim es to get my money back and  no one will   help. This is going on for 4 months. I am late on my bills because of it.   I have no other choice WILL have FILE A LAWSUIT AND MAKE COMPLAINT WITH THE attorney general for  wells fargo  illegially holding my funds

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 2016-06-27
Company: Utah System of Higher Education
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Even though I 've sent the forms in for income-based repayment, and can prove XXXX received because I sent them certified mail, they have claimed they have never received them. I 've also accrued several late fees because I can not get through on their phone system to get a repeesentative. Please help, I ca n't pay almost XXXX a month to them.anymore, I need n income based repayment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CITIBANK, N.A.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   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 monetary relief
Consumer complaint received 2016-08-13
Company: Continental Finance Company, LLC
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
hello we have a card with company we where never late XX/XX/XXXX we had an emergency my father passed away and i had to leave out of the country but calle this company and informed them but they still charged me the late fees and reported me as past due to credit 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 explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDC PA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating  within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against  XXXX ,  XXXX   &  TransUnion for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.

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 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to 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 non-monetary relief
Consumer complaint received 2018-05-29
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citibank sent a automatic quarterly payment of {$1400.00} to my homeowners association. The check was cashed by a fraudulent third party. Citi paid someone not my homeowners association. I had to send another check to make good on my debt. I have asked citi to put the money back in my account since it was their error to pay a fraudulent third party with my money. they have responded by telling me they have to investigate. They have sent multiple documents to fill out. This is now going on 7 weeks that I am out {$1400.00} with no end in sight for their error.

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 2016-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
So I went and bought a XXXX in 2015 capitol one approved me for loan do n't no if it was a credit card or a auto loan I believe a credit card so I got into a accident insurance paid for some of damages and basically I sent check to capitol one to pay off debt on XXXX they closed my account damaged my credit deliberately saying it 's because I went 30fays past due more than once but actually that 's not the reason the real reason is because I paid off more than half the debt if u check into it u will c XXXX is about when I sent in check to pay off most of debt so they closed acct these practices of closing accounts when I 'm still paying on loan should not be able to happen to consumers also I never received statements for almost a year they did n't send me any correspondence to the closing of acct

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX   XXXX   XXXX   did n't replying in a timely manner to any of my letters, or have they to date after numerous certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they m ay be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted i n a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am prepairing lawsuit against   XXXX  , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when   XXXX   XXXX   XXXX   did not reply.

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 2021-12-21
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I open a Chime account online received my card in the mail and activated it around the XXXX of XXXX, 2021within the last few weeksI made a {$520.00} deposit on Saturday XX/XX/XXXX and a {$600.00} deposit on XX/XX/XXXX at about noon, I went to use my Chime card and by XXXX they had sent me an email saying they closed my account. No reason why, every time I used the card before was fine. I sent several emails to Chime with only an automated response back, saying they will get back to me. Its XXXX time and I would be using this money for XXXX gifts and food-day to day necessitiesbut Chime has left me with no access to the money I literally just deposited!!! Please help me by shutting down this company so no one else has to ever go through something like this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
After survivng Hurricane XXXX and XXXX oil spill, predatory company LVNV Funding LLc sued me, won and now garnishing my paycheck for $ XXXX/month. They stated that they bought a 15 year old XXXX XXXX credit card debt that I was paying every month. Because I refused to pay them three times what I was paying XXXX monthly, they hired a local attorney and sue me in XXXX XXXX Court. 

I missed the court date and could not afford an attorney because of work. So, the judge favored them without my defense. 

What can I do to stop this illegal action?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were contacted by mail b y Convergent Outsourcing Inc. (  letter dated  XX/XX/2017    ) in an attempt to collect a " debt '' for {$2600.00} to  XXXX . We have never had an account with  XXXX . This is a scam company. The next wee k ( letter  dated   XXXX   XXXX   XXXX     ) we received a letter supposedly from  XXXX , attempting to collect a debt of {$2600.00}. I called  XXXX   XXXX  the real  XXXX   ) a nd gave them the " account number '' at the top of the letter. Sure enough, it was associated with my husband 's name. But the account was " under collection '' and they could n't tell me anything about it. When I told them this was being done by a scam company and we did n't have a real account with them, they told me to disregard the letter. I asked that a complaint be reported to a supervisor at  XXXX  since Convergent is engaged in illegal actions using  XXXX  's name.   I am concerned that many people are being scammed out of money by this company. The letter said that if we did not pay, that  XXXX  would be authorized to charge the full amount to what ever credit card we had on file with them. If someone had received this letter and actually did have a card on file with  XXXX , that would be very scary! Please do whatever you can to shut this company down!

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 2017-01-16
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
A company that poses as a collection company calling me that I owe them money using information of my address XX/XX/2007? and a bank that I used in that year BANK OF THE WEST. They claimed that I had a credit card from that bank and owed money from that bank?? I never did because I just got out of chapter XXXX in that year I had not lived there since then? They can not provide any other information but keeps changing their collection agency phone number and they are always XXXX PEOPLE? last phone number used 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 explanation
Consumer complaint received 2017-02-28
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently reported an error in my credit file with XXXX regarding a mortgage with Chase Mortgage Services. XXXX came back stating that the item was verified and reported correctly, when in fact, I sent them documents to prove my dispute. Chase is reporting a mortgage in the amount of {$220000.00} obtained in XX/XX/XXXX for an investment property located in XXXX MD as included in bankruptcy when it was not. Further, on XX/XX/XXXX, the loan was transferred to XXXX for servicing and no longer serviced by Chase. Chase and XXXX both have failed to update my credit files accordingly. I have sent a letter to Chase and to XXXX ( again ) requesting that they update this information immediately. I 've attached a copy of my letter to Chase Mortgage along with evidence that this loan was exempt from my Chapter XXXX filing in XX/XX/XXXX as well as a copy of the letter they sent confirming the transfer of the loan. I request that both Chase and XXXX update my credit file as noted on my letter dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had received a notifying letter from XXXX XXXX XXXX  on XX/XX/2021 stating that I owed {$830.00}, I had never opened an account with XXXX XXXX XXXX I received a letter on XX/XX/2021 from Midland Credit Management stating that I have been on collection and I owed {$830.00} but I ignored it thinking it was a scam then I had received another letter from MCM Collection on XXXX XXXX with the same billing mail letter. So I called XXXX XXXX to make sure I didnt have a account open and they said yes I had a account open but they couldnt help bc Collection had already taking over the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In  XXXX    XXXX  , we obtained a mortgage loan through t he Citibank Mortg age. The mortgage account has a promotional offer attached. We expected that a cash bonus equivalent to the first mortgage payment, up to {$2500.00} would be deposited to my linke d Citibank checking  account within 90 days of the end of the statement period advertised as lo ng as the requirements are met. We carefully followed the instructions from the advertisement and has met all the requirements by 1 ) obtaining a new home purchase mortgage loan from Citibank, 2 ) opening a personal regular checking account in the Citigold Account Package, and 3 ) signing up monthly debit of the ortgagement but nothing happened. No fund was ever deposited to my account. We contacted the company for the next few years, but every time they said they put it on note and would investigate but we never received any response. Here is the case number   XXXX   and one of customer service representative IDs :  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 explanation
Consumer complaint received 2022-01-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage was originally held by XXXX XXXX but was recently sold to Chase. To mark the transfer I received a statement from each bank dated XXXX XXXX, 2015. Inexplicably, the Chase statement showed a principal balance {$500.00} higher than that on the XXXX statement. XXXX insists they provided Chase with the correct balance. I have made multiple phone calls to Chase, sent them a written request along with copies of the XXXX discrepant mortgage statements, and waited for weeks with no resolution to what appears to be a very clearcut matter. The fact remains that {$500.00} that I paid into my mortgage has simply disappeared, so not only has my money been taken but I continue to be charged interest for a portion of principal I already paid.

Company response to consumer: Closed with explanation