BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FirstBank sued me for foreclosure on my principal residence on XX/XX/XXXX, even when I already had submitted a complete Loss Mitigation application. Since this nightmare started for me and my family, I have been trying to save my home in multiple occasions submitting loss mitigation applications to the Bank, while at the same time battling the foreclosure process at court. On all these occasions, my Loss Mitigation applications were never evaluated on its merits and with the purpose of Loss Mitigation which was created to help debtors as me save their homes. Due to the fact that the Loss Mitigation department of FirstBank has never given me a real and/or possible option to keep my home, I started looking for other options instead of foreclosure. I found a couple interested in making an offer in short sale for my property. For this option I submitted all the proper documentation required for the consideration of the short sale offer, including a valid short sale offer according to the real price that the property has today at the market. FirstBank after allegedly considering this short sale offer declined multiple offers made by this couple. After the Bank declined the short sale offers, I submitted on XX/XX/XXXX a complete loss mitigation package for a deed in lieu of foreclosure and as of today that I am submitting this complaint, the Loss Mitigation department has not evaluated this application and instead they keep adducing that there is still missing documents, which I have provided them again and again. I am looking for help from the CFPB to request the Loss Mitigation Department to comply with their obligation and do not keep delaying the evaluation of my case on its merits. The Bank has been delaying the evaluation of my case with the only interest of foreclosing my property since the Court informed that my property will be auction on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Citi 's collection tactics have severely damaged my reputation at home and are causing me to go into XXXX. From XX/XX/23 to XX/XX/23, I counted nineteen total times they called me to collect one of my past-due credit cards. For another Citi card ( Citi Besy buy card ), I counted twelve times they called. This is a clear violation of the 7 in 7 rule the CFPB has in place for contacting consumers. I feel they are treating me unfair and feel harassed. I am extremely upset about their voice message, they are not limited content messages. The message indicates I should log in to check my account 's status. This was read by my XXXX daughter. She went into a XXXX after reading this message and suffered XXXX about the household not doing well financially. This has ruined my reputation at home. The voicemail does not say specifically to log in to make a payment but says to check my account status which implies my account is behind. Many years of perfect payments with Citi and it is sad to see such aggressive collection tactics to one of their long-time members.

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 2023-04-16
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX repeatedly called me since they bought this debt. Threatened to sue me regularly. Unwillingly provide contract agreement to verify this is my debt.

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 2022-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Payment for balance of {$6100.00} was mailed by check on Friday, XX/XX/XXXX. According to the online account, check payment was not received as of Friday, XX/XX/XXXX. I contacted Capital One and they said they had not received it, it was not in their system. I made an online payment on Saturday, XX/XX/XXXX assuming the check was lost. On Monday, XX/XX/XXXX my account shows both payments were received, the check on XX/XX/XXXX and the online payment on XX/XX/XXXX. I contacted Capital One again and was told there would be a 15 day waiting period, plus 7-10 days to mail a check for the over payment. I was given the incorrect information that the check was not received, when it was actually posted on the XXXX. Now I have to wait 22-25 days to receive the refund check, which is unacceptable. I sent the second payment, based on wrong information provided by Capital One, now they are refusing to send back the over payment in a timely manner. Both payments were cleared from my bank, there is no reason for a hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 explanation
Consumer complaint received 2023-12-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/ I received two text messages from what appeared to be Chase Bank asking if I had initiated a wire transfer in the amount of {$10000.00} via XXXX. It asked that I respond 1if yes and 2 for no. I responded 2 immediately. A short time later I received a second text asking if I had initiated another wire transaction for XXXX XXXX XXXX  XXXX Again I responded No. A short time later, I received a phone call from an individual who represented himself as a security/fraud specialist from Chase Bank XXXX He advised that Chase Bank would be initiating a fraud investigation due to the suspicious activity. I was asked if I was familiar with a subject named XXXX XXXX XXXX XXXX XXXX because he was the person the money was to be wired to. After explaining that I did not know anyone in XXXX, I was advised that my debit card ( associated with my checking account ) had also had an attempted purchase for {$35.00} at an undisclosed XXXX. 

The male subject on the phone continued to ensure me that Chase Bank will be looking into the matter and that I need not worry that the money would NEVER leave my account. The subject told me to cease from using my debit card and that a new one would be issued to prevent any further intrusion. I was also advised that do to the investigation being initiated that I was not to open my on line Chase portal until the following Tuesday when my new debit card would arrive. 

The individual stated that I was to go into the wire/transfer portal and complete the form with information he was providing me. The information was supposedly his direct supervisor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stated that it made no sense for me to complete this form and wire any money from my account to someone iI have never heard of There were two telephone numbers associated with me being contacted, XXXX XXXX XXXX 

On Wednesday XX/XX/, I opened my Chase account on line and saw that {$13000.00} had been wired to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXXpayment history wrong for all 3 credit bureau

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 2023-05-21
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022 at XXXX I made a {$200.00} cash payment on my XXXX  XXXX credit card issued by comenity Bank , inside the XXXX  XXXX store located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. In XXXX I realized the {$200.00} was not applied to my card. I contacted comenity Bank and gave them the information off of the receipt. I was told it would take up to 90 days. I was sent a letter saying if they needed additional information they would contact me. After 90 days comenity bank sent a letter saying they were closing the case due to lack of information. I emailed and sent a copy of the receipt from the store showing the {$200.00} payment. It's been 6 months since first contacting them and today I got another letter stating that it may take up to 90 days to complete the investigation and if they need more info they will contact me. I've been getting charged interest on this {$200.00} that I paid 6 months ago and they are not applying the payment to my card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2022 the original creditor sent a letter stating they are not actively collecting the debt. Someone other than listed collector now owned the account, and that they were not collecting on the debt. On XX/XX/2022 the original creditor sent a letter stating the statute of limitations has passed, and again stated they were not collecting the debt. They did however ask me to send them money. They also said they were putting a statement on my credit report. I am against any statement on my credit report from entities with conflicting reporting practices. It's past the statute of limitations as they have acknowledged. Social Security income is exempt anyway. Account should be closed like the other Citibank account. 

On XX/XX/2022 collection agency told the CFPB they have " closed the account and removed any associated credit reporting tradelines '' but they did not as of XX/XX/2022. 
15 U.S.C. section 1692 ( e ) of the Fair Debt Collection Practices Act states the threat to collect a debt you have no intentions to collect is a violation. Close and remove tradeline as stated.

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 2020-04-13
Company: CITIBANK, N.A.
State: MA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2020, I received a call from the Citi early warning fraud department about potential fraud on my Citi Doublecash card. I logged into my account ( in case the call was a scam ), and there were 4 unauthorized charges on my account. 

All charges were posted from the same date ( XX/XX/XXXX ) : XXXX {$16.00} XXXX {$15.00} XXXX {$15.00} XXXX.TR XXXX XXXX {$24.00} The customer support rep confirmed that all 4 charges would be canceled/refunded and my card closed and a new one issued with a different account number. I did receive the new card on XX/XX/XXXX, activated it, and used it. I logged into my account today ( XX/XX/XXXX ) to pay my bill, and 3 of the 4 fraudulent charges are still there. 

I have called 3 times today, for hold on each call for at least an hour. When I finally get through to someone, they transfer me to the " Security Department at XXXX '' but I just get fax machine noises and the call drops. I've been on the phone for almost 4 hours straight. I have tried the online chat function, but nobody answers. I can't even dispute the charges myself because they're >2 weeks old since they were supposed to be taken off my bill when I called after CITI let me know about fraud. They didn't remove the fraudulent charges that they had notified me about!

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 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to login to my TD Bank online account and it's still blocked. They require for me to go to the branch with covid-19 pandemic to witch I refused. I can do a video call and they said no. I don't want to meet with anyone since I have insufficient immune system and contact during pandemic is not good. I would like for them to unblock my online account and send me a new card or send me my funds via check and they are not helping me, it is very frustrating in this hard times for me and my family since we need food. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: U.S. BANCORP
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
US. Bank is one of the owners of XXXX XXXX XXXX, a consumer reporting agency is reporting an account that was included in a bankruptcy I file more than 10 years ago. This account should not even reported to XXXX XXXX XXXX  because it was part of the bankruptcy. Since they are the owner of such service they feel they can do. what ever they want. US Bank at the time I opened the account was an issuer of secured credit cards. In order to get the credit card I had to deposit {$300.00} into a savings account at the bank. After a few years I had to file bankruptcy on the amount that was used on the credit card. At the time US Bank would not simply take the security I put up the cure the debt. Also they would not return the {$300.00} after the bankruptcy was discharged. Now dating back from XX/XX/2022 they have the account listed as Saving Closed-Purged. By the definition they have listed on XXXX XXXX XXXX a company that the bank partially owns it says I mishandled the bank account. Filing bankruptcy something I had legal right to do should not translate to me or anyone else mishandling an account. This entry they have listed on XXXX XXXX XXXX a company owed by US Bank is causing me to not be eligible to open an account at other banks.

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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: TX
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 letter is a formal complaint against SYNCB XXXX They have repeatedly violated my rights and the Fair Credit Reporting Act. I submitted a formal request for information, which was perfectly within my rights to do, and yet, you have failed to send that information. They send follow up questions about what account I am referring about. Since their letter states that they've actually received my dispute from the credit bureaus regarding this account, then they must already have my social security number, my full name, as well as the full account number and any other pertinent details for this item in which they allege I owe or else they wouldnt be reporting it. 

They have only provided some of the information requested which leaves a lot of gaps and holes in what I need to know. The little bit of information you sent has only led to more questions for 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 explanation
Consumer complaint received 2023-11-08
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: MS
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-03-06
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a mail on XX/XX/23 about a past due amount of XXXX to XXXX XXXX XXXX, after calling the debt collector online information services it was found that this account was fraudulent as the service address is not an address I have ever been associated with. 
I then called XXXX XXXX XXXX, and stayed the same to them. the customer service agent then directed me to fill out this report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NJ
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:
I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX  location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.

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 2022-12-21
Company: EQUIFAX, INC.
State: FL
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Genesis FS Card Services, Inc.
State: OH
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:
sold information to third party breach of contract reporting to credit report without prior written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Experian, XXXX, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.

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