BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: DISCOVER BANK
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I sent a dispute letter to XXXX regarding fraudulent charges on a Discover Card account, which were attributed to me due to identity theft. The account in question had several unauthorized charges totaling {$310.00}. I provided comprehensive evidence, including a police report and an FTC Identity Theft report. XXXX acknowledged the fraud and removed the account from my credit file on XX/XX/2023. 

However, as of XX/XX/2023, I discovered that XXXX had reasserted the previously deleted fraudulent account back onto my credit file. This action is not only against my rights under the Fair Credit Reporting Act but has also continued to severely impair my access to credit, including business credit linked to my personal file. This reinstatement happened despite the submission of substantial evidence and the acknowledgment of identity fraud. I sent a police report, FTC report and documents proving my identity. Discover are doing their best to suppress this issue at hand and I'm now prepared to litigate! 

This incident is the latest in a series of unsuccessful attempts to resolve this issue, marking either the second or third time I am addressing this complaint to the reporting agency and the creditor. The first attempt to address this FRAUD, Discover came back in 2 days and said they did an investigation and it's verified not fraud. When I called Discover to ask them how they performed their investigation, and to show proof, they could not provide details. I spoke to a supervisor and someone in the fraud dept. The continual mishandling of my credit file by XXXX and Discover in light of clear evidence of identity theft has caused ongoing financial and personal distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: EQUIFAX, INC.
State: NC
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:
As previously notified I am a victim of identity theft, please see all attached information again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: MA
Product: Credit reporting 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 recently checked my credit report to frind XXXX unauthorized inquries that I did not make nor authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
4 month ago, I received a check from XXXX XXXX company to repair my roof that was damaged by hail. The amount of this check is {$31000.00}. I deposited this check via phone to my personal account in Chase bank, but it turns out the check was written out in my name, my wife 's name and the bank that gave us the mortgage. In this reason, Chase closed my account and did not release the money for repair. I sent the check from XXXX to my mortgage bank and 10 days later I received this check signed and sealed as it was required. I sent a copy of this check with the mortgage bank stamp to Chase and made inquiries with my banker multiple times. They promised investigate it, but until now they did not pay me and they did not return the money to the insurance company. This has been going on for more than XXXX months. XXXX weeks ago, it rained heavily, and my unrepaired roof leaked. I have problems in the kitchen and in family room. I need to get this money to eventually repair of my roof and I need money for repair of my home inside according the contractor 's report I got! Please, help me to get my money from the bank. I gave them all documents they asked three months ago ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is in default. The last payment I made was  XXXX   XXXX . I was unemployed from  XXXX   XXXX  through  XXXX   XXXX . While unemployed I tried to apply for an unemployment/underemployed forbearance under Makin g Homes Affordable.  My mortgage company would not take the application because I had no income.     When I got a job in  XXXX  I applied for a modification although my income was only about {$38000.00} per year. I was turned down again. I have since returned to work in  XXXX  and back to making a regular salary. I reapplied for the modification and was approved on  XXXX   XXXX ,  XXXX . I was told that all foreclosure proceeding where on hold.     I called the company twice. First to ask them for the 40 years loan product to allow me to catch up on all of my financial issues not just the mortgage. I was told once before that this was a product they offered but I had to apply for a modification. When I received the offer on the modification and asked for the 40 year product, I was told they do n't have that. I would have to accept the modification, go through the trial and then ask about a 40 year product. I called back the second time to let them know that I would accept the modification. I signed the papers and returned them to accept the modification.     Today, I get home and the  Sheriff 's Sale  Notice Foreclosure was posted on my door. My home is up for sale by Virtue of a Writ of Execution issued out of the   XXXX   XXXX   XXXX   XXXX   XXXX   I called my mortgage company for them to help me understand what was happening because the foreclosure proceedings were supposed to stop once they received a complete loan modification application. The representative spoke with management and came back to tell me that this was in case I defaulted on the offer. She said though there was an agreement, my first payment was not due until  XXXX   XXXX  and that they have not received any money from me yet and they needed to have this set up in case I defaulted. I went back and forth with the agent letting her know that they were dual tracking my account and that it was against the law.     I let her know that the sale date for my home was scheduled before my first trial payment. She said they would push the sale date back but they were keeping the sale date for their protection. I let her know again it was against the law and she said it was n't and we were at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: NJ
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
American Express has received all Law Enforcement Documentation providing proof of Identity Theft. The credit bureaus have removed this account from their Credit files which they verified as Identity theft. In XX/XX/2013 my wallet was stolen, Inside my wallet was my Drivers License, Social Security card and even my address. After it was stolen I attempted to recover my wallet but was not successful. I notified the XXXX Police Department and the credit bureaus, XXXX, XXXX and XXXX. After receiving my credit reports I noticed an American Express account. I immediately called American Express to report the crime, the customer service agent had advised me this account was cancelled. I said I did not authorize this. He then transfers me to the fraud department whom states they will conduct an investigation. Once again after they verify the information it is proven to them the address they have on file I haven't ever lived at. I never lived at XXXX XXXX XXXX as they show in their system. I advised them of this information which they documented, I sent my FTC Affidavit to them, and also advised them the Bank Account used to make payments on the account was not mine either. This bank account was actually closed out as Identity Theft as well. So then the other day, I try to open my First American Express account. They open the account then a day later close the account, They try and advise me this is due to disputes. I asked what Disputes since i haven't even used the account yet. They stated they were trying to link the old fraudulent account to me still. They transferred me to fraud after I ALREADY advised them I had no relation to this account and that I thought American Express resolved this along time ago which they have not. So now they have also put an unauthorized inquiry on my credit bureau file with XXXX  because they choose to connect fraud to me. 

I want this account revoked from their system. I have never lived at the address that was on file for any cards with you. I did not provide authorization for any accounts to be open. You did not cancel a card on me because I haven't ever had one. You were notified of Identity Theft along time ago and just refuse to resolve it. Per the FCRA Law and requirements once you are notified of Fraud you have 3 days to block it or I can pursue legal action against American Express. Your fraud department never calls back and they don't actually review the information I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Possible Financial Inc
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a payment due on XX/XX/17 I thought I would have enough funds to cover this friday XX/XX/XXXX payment I reached out yesterday through email about changing the payment date I received a response from an agent named XXXX XXXX told me that she is forwarding my inquiry to a team member that will determine the best resolution. And said that I should expect a follow up soon. That was yesterday. I received no response I sent another email this afternoon. Explaining that I need to move my payment to a later date. I still didnt receive a response. And I got a notification saying that my payment was initiated and it can not be changed. Your company has failed to respond to my emails. I have never had any issues with possible and Im very disappointed and Im very upset

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
New collection agency old debt from gym membership that had been cancelled and company trying to collect on past due balance that did not apply. Second time complaint has been made about this same company. No written communication of debt has ever been sent just added to my credit report without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I put a claim in on XX/XX/2022 against fraud and unauthorized online banking transactions I was incarcerated and a person had my bank info and using my account to make online XXXX transactions to there bank account from my bank account. I never authorized for the money to be taking out of my account. The person took over XXXX dollars out of my bank account. Wells Fargo granted and approved the claims and some they didnt. I been calling Wells Fargo since XXXX making complaints and they still have not sent me my claims check from XXXX that they claimed was mailed to my address. The customer service representatives hang up in my face, putting reports into my file I never said or mentioned. I even called the head quarter and spoke with a specialist that has not returned my calls from XXXX. I left voice mails no returned calls. Ive been to bank branches. They are giving me the runs around. They had me on the line for XXXX hours transferring me to departments that had nothing to do with my claim and the amount of money that was supposed to be mailed out its been almost XXXX months. No money had came to my mail box and they are mis informing me every time I call and inform them of the matters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened my account on XX/XX/23 which until this day I have not received my debit card had to go to the branch to get a temporary card. On Friday XX/XX/23 I made an ATM deposit of my payroll check in the amount of {$2200.00} that check has been on hold. On Tuesday XX/XX/23 I called the branch and spoke to the manager to see if I can get access to my funds she tells me she cant help with that because she has no access to the ATM transactions to call the XXXX number and basically said I can not help you, later that day I tried logging into my account I was unable to that whole day, later that night I tried again and still couldnt therefore I called the customer service number to be told that my account was blocked and was put under investigation without any explanation. Called the number I was provided on Wednesday XX/XX/23 was told they needed to verify the check with my job I provided the contact information for my payroll representative, after that the Citibank rep refused to call my job stating they could not make outbound calls that person disconnected the call with no prior notice. I called back again got a hold of XXXX different representatives finally one actually did his job and called and verified my check then proceeded to unblock my account. Wednesday XX/XX/23 my funds are still not available to me so I called and spoke to a supervisor and she tells me my funds are on hold for 5 days and will not be available until XX/XX/23 which thats more than 5 days then she tells me to go to the branch to see if they can help me because she cant and disconnected the call. I need my money now and Citibank does not care about that or me as a customer and the distress is causing.

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 2017-05-04
Company: Maury Cobb, Attorney at Law, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Maury Cobb a ttorney at law calls the house multiple times a day. They leave automated messages. When you go to call them back they do n't have a representative or a voicemail available. They call and harass you all day and they call from a called ID as some law firm. They also leave the same annoying message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX / XXXX keep harassing me about an unreturned cable modem box, even though I have submitted documentary evidence ( XXXX Receipt ) that I did return the cable modem box. 

They have filed collections notices with the three credit bureaus even though I submitted them the proof. 

Now today ( XX/XX/2019 ), I get a call from another Collections Agency IC System Inc.

regarding this issue. 

I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: IL
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:
The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy Court of XXXX XXXX XXXX XXXX  verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i have been sending letters to the cras ( XXXX EQUIFAX, XXXX ) to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off onXX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CITIBANK, N.A.
State: NJ
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:
I disputed a charge with Citi Bank credit card double cash ending XXXX for the amount of {$74.00}. The dispute ID is : XXXX. 

I did not receive the merchandise and after I failed to resolve the matter with merchant, I disputed the charge. 

Citi bank only informed me that merchant stated the merchandise was delivered. However, delivered didn't mean received. The merchant has failed to provide any evidence that I received the merchant. The only reviews indicates there are problems with the merchant 's customer service. 

Citi bank has failed to provide the merchant 's response to me even thought I requested.

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 2018-10-21
Company: Fairway Independent Mortgage Corporation
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I signed on XX/XX/XXXX with him to buy a house that i had fell in love with. He said usda loan, 0 % down and very little out of pocket. For the next 3 weeks i couldn't get in contact with him or his lending partners. When i finally got ahold of him they were rushing to get the paperwork and everything so they could get started. I paid XXXX for inspection and XXXX for appraisal. I had XXXX ready to insure it. XXXX called my insurance agency without asking me and had my deductible raised from {$1000.00} to {$7500.00}, he also told me he was buying my rate down for an extra $ XXXX- {$400.00} which ended up being XXXX. He had me locked in at almost 5 % interest on the loan. So when it was all said and done i needed {$4800.00} at closing and my sellers {$2500.00}. We went through 5 different closing dates on a 30 day closing. The whole process was lies and seemed to be a scam of some sorts. Now I'm out the {$800.00} i put up and they managed to run my credit 3 times and drop my score significantly.

Company response to consumer: Closed with monetary relief