BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Reference Case Number XXXX Hi, My name is XXXX XXXX. I received a call from Citibank about a fraud charge and thats when I noticed five fraud charges on my bank account. Following are screenshots of the transactions.

1 ) I solemnly take an oath that these transactions were not initiated by me.

2 ) I have not shared my username and password to any individual.

3 ) Citibank called to notify that they suspected fraud transactions.

4 ) I called XXXX and they claim that they have not received any funds when I provided the Citibank account number. They did not allow me to file a case at XXXX. They claimed that Citibank will reach out directly to payal to investigate. Attached is my transaction in my XXXX  since XX/XX/XXXX. It is possible that it was not sent to XXXX? 
5 ) It seems like I have been hacked as XXXX website claims that my information was leaked.

6 ) I filed a police case report Case number XXXX Documentation attached. 
7 ) I reported theft at identitytheft.gov. The reference number is XXXX. Document attached. 
8 ) I added initial security on my credit file. Confirmation attached.

9 ) I also file XXXX data breach settlement. Documentation attached. 
10 ) I have filed a FBI, IC3 complaint and a copy is attached.

11 ) I have filed a fraud report with ReportFraud.ftc.gov Reference number is XXXX. Documentation Attached. 

Please review this information and advise as this is hard-earned money and I should not be punished for security that is not in my control. 

Thanks XXXX 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 2022-05-27
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Ive filed a claim with the bank of Chime but they refuse to assist me in the matter, they say i need more to help my cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My bbva business was moved to pnc bank But i never received any document or communication regarding it. My bbva account didnt have monthly fee but once it got moved to pnc bank XXXX they charged monthly service fee. I didnt knew it because i never realize it was moved to pnc XXXX I tried to call pnc bank multiple time but they couldn't help me. Finally i went to local pnc and close my account but they refuse to reverse monthly fees that was charged on my account. We filed complain and I got call from them stating that account is close and they wont be able to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: WELLS FARGO & COMPANY
State: NE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a Wells Fargo account, teller forced me into opening a savings account, saying it would close after 30 days if I didnt sign the papers. Several months later, I had overdraft fees since my check was deposited into my savings account- the account that should have been CLOSED! I bought in the papers that I never signed telling them how much money this cost me and how I was lied to. 

They did NOTHING and made me pay the overdraft fees since they werent budging even though they knew they had taken money from me in those overdraft charges. 

I want the money that they owe me and deceived me into opening an account without my consent.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX  I XXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-04
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit 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:
On XX/XX/XXXX XXXX Synchrony Bank allowed and over {$5000.00} charge to go through. ( Can photos upon request ). I immediately called the next day when I saw it to report obvious fraudulent changes. I had to make 2 calls send pictures of my ID take a video of myself to even file the complaint. Meanwhile on the call filing the complaint I learn they allowed someone to just easily call in and access my account, personal information, and change my address to an entirely different state and get access to charge with my card. What kind of messed up securit is this? Someone can just access and change my address but to report what is so obviously a suspicious charge that they allowed to go through because they just allowed someone to change my address with no issues..??? What the actual???? 
They said not to worry I would not be responsible and it would all be taken care of. 
Meanwhile XXXX weeks later, my payment due went from {$79.00} to over {$230.00} for XXXX because of the fraud charges they had not fixed and still have not fixed. They did not take my autopaymwnt out that is set up and charged me a late fee. I have called in 3 TIMES and go absolutely nowhere! Its even impacting my credit score that has now dropped because it shows me over my credit limit on this card by almost {$3000.00}!!! 
Do 1- they allowed someone to change my address and access my information 2- charging me interest in it and still are 3-allowed what appears very obviously a fraudulent like charge to go through for a very large amount ( over XXXX ) that would cause a cardholders account to go overdrawn almost {$3000.00}!!! 
4- failed to take autopsy out increased minimum due because of huge balance and then charged late fee 5- still opting is fixed 6- now negatively impacted my credit score All of this is ground for a lawsuit which I do plan to likely pursue as well but this all needs to be fixed, fees returned, XXXX fees reveresed and someone can reimburse me for all my wasted time and stress on this matter. 
I mean how are you even considered a reliable credit card company. 
These are HUGE ERRORS AND I MEAN HUGE!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-27
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX, I received a letter from Mr.Cooper stating my flood insurance has lapsed and I must provide flood insurance. I have flood insurance escrowed in my monthly payments and they have paid this insurance every year since they bought my loan from XXXX XXXX XXXX. 
PLEASE REFERENCE : XXXX cfpb complaint from me about Mr.Coopers XXXX XXXX XXXX XXXX behavior towards my situation. You folks helped me rectify that and I am thankful. NOW they are attacking me and not paying my flood insurance, I am sure forced coverage will be put on my loan shortly at an extremely inflated price. All this is because I asked for your help to save my home from foreclosure.On XX/XX/2021 I called the customer help number, the woman, XXXX, said that they had paid the flood insurance dated XX/XX/2021, and she would email me the proof. I told her I was in their website and in the escrow section and no payment s were showing to have been made. she assured me they had been made, I waited on the phone with her making small talk for XXXX minutes waiting for the email, she had to leave the call and assured me it was coming. It never came, no proof of payment.PLEASE help me get thru this, I am looking at a refi but no one will do it until I have made XXXX payments after the forbearance, I have to get thru XX/XX/2021, then I am getting away from these scoundrels!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. 
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX- Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

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 2021-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I did a Forbearance Protection Plan ( FPP ) on a property I own and after the time expired I started making the payments and now they want the past payments paid or they will foreclose on my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX at XXXX pacific time, I contacted Barclay Bank by phone to alert them I was having difficulty making my payment this month, and needed to cancel automatic payments. I was assured there were no automatic payments on this account during a call I recorded. On the XX/XX/XXXX, I logged in online, and made a one time payment to keep the account from going 30 days late. I entered in my checking account number and routing number for this one time payment, and it was difficult to get those funds together. 
Two days later, on XX/XX/XXXX, another payment was processed by the bank in the same amount. I immediately contacted the bank, and was told collections withdrew the funds from my account, but that they would attempt to reverse the payment and get it back to me within two billing cycles. I don't have the luxury of two billing cycles. These were funds that were not theirs to take, that I did not give permission for them to take, and now feel stupid for trusting this sleezy institution with my checking account information. 
I ask that the consumer financial protection bureau takes swift action on this while I explore all options available for me to recoup the losses from this theft.

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 2021-10-20
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Social security administration sent my money to chime and they said that my ssi benefits were not proses in my account but then I called social security and they told me that the bank proses my ssi benefits I would really appreciate someone to look into this matter thanks much appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I HAVE SIGNED FOR E STATEMENTS FOR MY MTB MORTGAGE ACCOUNT AND ALL ACCOUNTS AT M & T BANK. I WAS TOLD I WOULD HAVE 7 YEARS ACCESS TO ALL ACCOUNT STATEMENTS IN WRITING. as of XX/XX/22 I PAID MY MORTGAGE and no longer have access TO ANY OF MY MORTGAGE INFO STATEMENTS PAYMENTS ETC.,, I COTACTED THE BANK AND WAS TOLD ONCE PAID THE ACCOUNT ACCESS WAS NO LONGER AVAILABLE. THE BANK IS OFFERING ME STATEMENTS FOR A COST FOR COPIES. THIS IS FRAUD.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I first reached out to Transunion, XXXX and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.

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 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: MS
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:
I want to inform the credit bureau AGAIN that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-22
Company: DISCOVER BANK
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on DISCOVER FIN SVCS LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation