BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Payfare International Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I am supposed to receive free atm withdrawals if i go to specific atm locations listed in the XXXX app. I am always certain to make sure I only go to free atms. I went to the atm at the XXXX location listed in the XXXX XXXX app at XXXX XXXX XXXX in XXXX, MD, and was incorrectly assessed an ATM fee by XXXX XXXX. I called XXXX XXXX 4 different times requesting this fee be refunded. I provided screenshots of the atm listing in the app, as well as photographs of the location and actual ATM itself. Despite all of this proof that the fee was incorrectly assessed, I have not been able to get my {$2.00} refunded to me. Attached are photographs of the ATM, the XXXX location, the screenshot from the XXXXApp with a map pin showing where I am and that it is a free ATM, and a copy of the card agreement which says that XXXX ATMs are in-network and free.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-26
Company: CITIBANK, N.A.
State: WV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Complaint Against Both XXXX XXXX XXXXXXXX & Citibank-Neither takes responsibility for my lost Credit Balance Refund. Both banks blame the other, CB sent my credit balance refund to the wrong account to XXXX. The end results are that I have been robbed and referred to the Credit Bureau who has referred me to you. 

Last year, in XXXX, XXXX XXXX XXXXXXXX offered me a balance transfer offer. I accepted and was charged a 3 % fee. XXXX wired, on XX/XX/XXXX, {$470.00} to Macys ' [ Citibank is Macy 's financial handler ]. Funds did not post in a timely manner. I called Macys ' then I sent in a min payment to keep the account in good standing. I made  min payment to Macy 's and was told by XXXX representative to send Macy 's another balance Transfer check [ since the first one seemed to have gotten lost ] on which I paid another 3 % [ the 2nd check was for {$800.00} that included the " lost '' {$470.00}. A week later Macy 's posted both checks even though I had set up an inquiry to not post the first check. On XX/XX/XXXX my Macys statement showed a {$470.00} credit balance. Again I asked for [ as XXXX XXXXXXXX XXXX 's representative recommended ] Macy 's to send me the credit balance in a paper check. I waited the recommended 10 days but I have not received my {$470.00} in any form even after sending both banks numerous billing and bank statements. 
Citibank says that they wired it back to XXXX XXXX XXXX to an account for balance transfers that is connected to my XXXX XXXXXXXX XXXX credit card. It has never posted and I have made three 300 mile round trips to XXXX in XXXX XXXX [ the closest branch to me ], numerous phone calls to both banks and spent hours on the phone and had both banks to assure me payment in two billing cycles. 
Macy 's inherited me from XXXX XXXX [ opened acct XXXX ] excellent account XXXX  XXXX XXXX has had my excellent business since XXXX Each bank has noted my constant inquiries and made notes of my complaint. 
XXXX XXXXXXXX XXXX says that both banks have " Black holes '' that funds go into and are never heard from again.

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 2023-05-26
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: Information belongs to someone else

Complaint:
Equifax.com has repeatedly violated my rights by reporting inquiries and closed accounts that show negative on my report. I have sent them a letter and a identity theft report that I filed before these accounts showed on my credit report that I was a victim of Identity theft and fraud. They refuse to remove these fraudulant claims from my report. it has been more then 30days and they are avoiding my request by sending stall letters saying i have the wrong company to dispute. I have clearly sent it to their dispute department otherwise they would not have sent a letter stating it was the wrong department. They have avoided my identity theft report that i have filed. I am very upset and hope that you can help me resolve this matter with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.

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 2023-09-18
Company: PENTAGON FEDERAL CREDIT UNION
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Dear Sir/Madam, I am writing to formally file a complaint regarding the egregiously inadequate service I have experienced with Pentagon Federal Credit Union in regard to my car loan account. I am a 100 % XXXX XXXX XXXX veteran living with a XXXX XXXX XXXX, which notably includes memory issues. 

Despite my condition, I have diligently maintained my loan repayments, relying heavily on the regular statements sent by the credit union to remind me of my due payment dates. Unfortunately, I stopped receiving these crucial reminders in XX/XX/XXXX  and, due to my memory issues, this led to a lapse in my payments that persisted until XX/XX/. 

On XX/XX/, I received a distressing communication from the credit union threatening to repossess my car if the overdue amount was not settled in full by XX/XX/. Immediately upon receipt of this letter, I reached out to the credit union and spoke with a representative named XXXX XXXX. During this conversation, it became apparent that there was a serious failure in the credit unions system in maintaining consistent communication with me. XXXX XXXX initially claimed that statements had been sent via email, but could not substantiate this with dates and I found no such communications in my email history. Moreover, he stated that there had been attempts to reach me by phone, only to then find that no calls were logged until XX/XX/XXXX, and even then, it was unclear if any actual calls were made as I was only placed on an auto-dial list. 

I find myself in an extremely precarious and unfair situation where I am being held accountable for missed payments that I was not duly notified of. My reliance on these notifications is heightened given my medical condition, and I am now facing an unjust punishment due to a failure on the part of the credit union. 

I am reaching out to seek your urgent intervention to facilitate a resolution that recognizes the credit unions lapse in communication and affords me a fair opportunity to resume my regular payments without the undue burden of having to settle the full overdue amount within an unreasonably short timeframe. 

Thank you for your attention to this grave matter. I trust that with your assistance, a just and reasonable solution can be reached. I am willing to cooperate fully and provide any necessary documentation to support my case.

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 2022-04-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/XXXX On XX/XX/XXXX I received in the mail a bank statement from Wells Fargo every day checking I have never opened a Wells Fargo every day checking account or a Wells Fargo account. I called Wells Fargo with the account number on the statement as well as the surname ( that was my surname 6 years ago but not now ). I spoke to XXXX & XXXX in the fraud department of Wells Fargo explained that I never opened this account, I did have to verify the last four of my social which she verify it was correct she did tell me this account was open in XX/XX/XXXX. I was instructed to file a fraud freeze alert with credit bureaus, contact my bank and notify them of my stolen identity, file a complaint with federal trade commission/Consumer financial protection Bureau and then File a police report with my local police. I am filing this complaint because someone has stolen my identity and opened a bank account and who knows what else is out there this is FRAUD and I would like to have it stopped.

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 2023-09-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The bank forced me to sign a W9 ( internal revenue service form insteab of a W8 BEN ). In order to open the checking account, which made me a U.S. Person instead of the Non-Resident Alien Individual ( NRA ) that I am, for their own financial gain 53rd bank put my new checking account number in Box 7 of the W9 ( which made the account " NOT '' Exempt from wihholding, therefore withholding my {$490000.00} dividend payment in order for 53rd bank to steal and claim my interest and dividend payment for themselves. 53rd bank prefilled out the W9 and told me if I did not sign it, I could not open the checking account, while along knowning that the W9 form they asked me to sign was false and incorrect, and 53rd refused to give me a W8 BEN to sign. The Internal Revenue Website state 's, " Do Not Fill Out a W9, fill out a W8 Ben instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
Experian has incorrectly listed that I have late payments on my credit report however, I have never had a late payment on any credit accounts. These accounts were also included in a bankruptcy that was discharged. 
I have filed a dispute with Experian multiple times ( in XX/XX/XXXX and prior ), and they said that they agreed and that I should not have any late payments on my account, yet when I am checking my report in XXXX of XXXX, the late payments still show on my Experian credit report as key factors influencing my score. This is causing me to be unfairly treated when applying for any credit lines that use Experian, receiving rates that are higher than I should receive, as well as being declined for lines of credit, and I have experienced significant financial damages because of this. XXXX, and XXXX do not show this discrepancy, however Experian continues to leave the issue unresolved.

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 2022-09-30
Company: Experian Information Solutions Inc.
State: SC
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 sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these alleged debts by providing me with a contract bearing my signature and the documentation allowing them to purchase my debt from the original creditor. I have never given anyone permission to purchase my debt nor do I have any knowledge of these accounts. Please review the attached accounts.

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 2018-02-28
Company: FIRST HAWAIIAN, INC.
State: GU
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:
On XX/XX/XXXX, I received a letter from First Hawaiian Bank reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My First Hawaiian Bank auto loan is routinely paid by monthly automatic debit from my FHB checking account on the XXXX XXXX of each month. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XX/XX/XXXXwas more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking ex

ceeded {$500.00}. On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my FHB  checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my FHB   checking acc
ount balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}.

On the morning ofXX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my FHB car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my FHB checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My FHB   checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my FHB Auto loan.

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want First Hawaiian bank to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: JPMORGAN CHASE & CO.
State: FL
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:
Dates of pertinent information : XX/XX/XXXX - Purchased an airline ticket on Chase Credit Card ending XXXX {$2200.00} for my wife and me to fly from XXXX, FL to XXXX, XXXX. 

XX/XX/XXXX - Paid off credit card from our Chase checking account ending in XXXX, cancelled credit card account. 

XX/XX/XXXX - XXXXXXXX XXXX cancelled trip ( covid ). 

XX/XX/XXXX - Contacted XXXX XXXX at XXXX XXXX  and was told that the refund would be issued within ten days to the same card that I used to purchase the tickets. 

XX/XX/XXXX - Contacted chase at XXXX XXXX - Was told by Customer service operator " XXXX '' that the card was still in the system and that a refund from a merchant would be accepted and that I would be contacted to determine what account I would like to have the money transferred to. With Chase, I have two other checking accounts, a savings account and an IRA. 

XX/XX/XXXX - XXXX notified me via email that I had a full refund and that it would be deposited to my Chase Credit Card. 

I spoke with XXXX  and they gave me the " transfer number '' alphanumeric code used to track the transaction of XXXX XX/XX/XXXX - XXXX XXXX - After not hearing anything I contacted Chase, spoke with Account Supervisor " XXXX ''. They can no longer see my card, and would have to send an ( internal ) email to " merchant credit purged accounts '' and that I would hear from them via email or telephone withing five business days. 

I had spoken with XXXX and they gave me the " transfer number '' alphanumeric code used to track the transaction gave this number. 

XX/XX/XXXX XXXX XXXX - Called Chase, spoke with " XXXX '' customer service rep. Transferred to " XXXX '' Customer Service Manager. Could not find any information at all about any of the phone calls, however, would send an ( internal ) email to the " back office '' to find the account. " back office '' would contact me " soon ''. ( This person seemed uninterested in helping at all. ) XX/XX/XXXX XXXX XXXX - Spoke with " XXXX '' who was the first guy I spoke with. I had verified with XXXX that there was no return or other issue with the original transfer of the refund. 

XX/XX/XXXX - XXXX XXXX in the mail - received letter from Chase. They state that they can not find my account, and that the money was returned to XXXX, on XX/XX/XXXX, XXXXThis letter is citing " reference number '' XXXX. 

XXXX can not seem find this money, Chase can not seem find this money. Please note that during this entire transaction, I have maintained contact with Chase, however they appear to be keeping no functional notes on each phone call. 

I am looking for specific suggestions please. 

It is significant for my wife and I, {$2200.00}, and this was for a trip to see our XXXX  son in XXXX, we would like this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently became aware of an eviction on my consumer report, which is the result of fraudulent activity. I have never been involved in any eviction proceedings, nor have I ever lived at this address. I have supporting documentation from relevant authorities that prove the discrepancy is in the process of being removed, which I can provide at your request. I want to clarify that this is an isolated incident and does not reflect my character or financial responsibility. The issue is currently being rectified, and I have taken all necessary steps to ensure its resolution. I am a victim of identity theft or fraud and have taken appropriate actions by reporting the incident to the authorities and providing supporting documentation. I kindly request your intervention in removing this fraudulent record. Your understanding and assistance in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I've been having some issues with my car payment due to having back XXXX in XX/XX/XXXX and ended up losing my job over this. I had always stayed in contact with XXXX financial and always answered their calls. Also when they had called I had answered and they would hang up and call my dad who was co signer on the loan and tell him I didn't answer the call, which in fact I have records of this as well all calls. My farther relay the message and the next few times I had talked to them they try to say it was their end that their phones were messed up. There had been a few attempts that on a phone call i had voluntarily did a reposition of the car and the agent said oh no don't do that we are here to work with you. It wasn't once I had told them this because of being on XXXX and not getting much a month and they were well aware of how much I made being on this and at least XXXX less then what I was making from when I had a job they still refuse to pick up my vehicle as I asked them to do. After many months of struggling to make ends meet and just paying two payments I was still 2 months behind today XX/XX/XXXX they came to repo my vehicle and I given the key to them and was nice to the repo person. I feel that they took advantage of me knowing my XXXX and hardships that I've been dealing with that they put me in this mess as I offer 3 times to come pick up my vehicle. Now yes they did help me on some defer payments but also messed up the last two as one agent told me one thing and another would tell me another. So to me I feel that they took advantage of my hardship as well as my XXXX and wouldn't refinance the vehicle for me or help with losing the payments or even take the car back. Now I have requested to have all phone records pulled and all documents copied to see how they could do this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
received letter from ERC stated I owe XXXX to XXXX XXXX XXXX XXXX which I never had an account with and that has been placed with ERC for collection.They offered discount for {$660.00} and I can pay it with cash at XXXX pharmacy or XXXX store or mailed.They gave me account number and reference number.Had never account with XXXX XXXX XXXX, tried to call number provided but can not reach anybody.Letter tell me that I can dispute the validity of this debt with I never had any relation with that company if I dont dispute it will be consider valid and reported to credit bureu.

Company response to consumer: Closed with explanation