BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: AmerAssist A/R Solutions, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Just a few weeks ago, after I pulled my credit report from XXXX and review it, I found out multiple collection accounts that were not mine, also multiple false addresses on my credit report. Several years ago, I lost my personal documents, that could be one of the reasons of why those unknown accounts were on my credit report. After reviewing my credit report, I have no other reason but to believe that I am a victim of Identity Theft issue. The following collection account does not belong to me and/or any transaction I had made : alleged account with AMERASSIST AR SOLUTION ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I canceled the external bank transfer of {$15000.00} on XX/XX/2022, but the fund is still unavailable ( pending ) as of today ( XX/XX/XXXX ). I have contacted the representative via online chat or phone 3 times since XX/XX/XXXX, and each time I was given the misinformation that the transaction would be settled within a day or two. On XX/XX/XXXX, a representative told me I need to wait, and after I complained about my experience, he transferred me to someone in the dispute department, who told me that I need to file a dispute instead. The information is very confusing and contradicts each other. 

Moreover, I was unable to add another external bank account ( XXXX XXXX ) to my Citibank online. I believe Citibank is creating obstacles for linking external banks that do not use XXXX. ( Error message : " Access Blocked For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service at XXXX [ TTY XXXX ] and mention Error Code 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 2020-02-04
Company: JPMORGAN CHASE & CO.
State: NY
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:
XXXX DID NOT provide me with the service expected from a car rental company. 
The car failed to start on the morning of XX/XX/2020 which was the date of the car rental return and my flights back to XXXX. I called the XXXX customer service number listed in my rental agreement to get help and no one answered. I then had to take a taxi at my own expense to the airport car rental counter where they provided me with a XXXX Emergency number. Upon calling the XXXX emergency number, XXXX sent a mechanic to fix the problem but I needed to be present physically. The mechanic took approximately 2-3 hours to reach my location which made me miss my flight. I had to purchase new flights to XXXX in the amount of {$2400.00} USD. 

XXXX provided me with a defective car and then failed to provide me with a proper, timely solution in order to catch my flights to XXXX. Instead, they made me miss my flight, which then, I had to repurchase at a premium cost ( {$2400.00} USD ). 

The company XXXX-XXXX XXXX  still went ahead and posted a charge in my Chase Sapphire Preferred account ending in XXXX on XX/XX/2020 in the amount of {$440.00} USD. I called XXXX in XXXX XXXX to get a refund for this amount to no avail. I contacted XXXX  in the USA and I was directed to contact XXXX  in XXXX XXXX to resolve the problem which I did to no avail again. 

I submitted a claim and all relevant documents to Chase to credit me in the amount of {$440.00} which Chase refused to do and instead sided with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Someone tried to open a card in my name with Bank of America. Thankfully it was denied. However, now theres a blemish on my credit report, and who knows what else someone may be trying to open with my name or social, etc.

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 2020-12-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I am a client of XXXX XXXX at family options. I went for a evaluation for XXXX that cost XXXX . I did three hours of talking with her but did not do the rest. I asked to be charged as such and she agreed. This was on XX/XX/XXXX. I have been fighting back and forth with my bank about if they have refunded me or not. I cant get in contact with the company about what happened either. I got misleading information from both sides. This was done on my XXXX XXXX card, and the location/ merchat is XXXX XXXX XXXX XXXX options at XXXX XXXX XXXX XXXX FL XXXX. Her phone number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/XXXXadvising me that the Loan Depot had returned my {$750.00} bimonthly payment made on XX/XX/XXXX. Another one was mailed out on XX/XX/XXXX that has not been returned. The due date from my loan is XX/XX/XXXX. I acquired this refinance loan in XX/XX/XXXX and have been paying every two weeks since the first payments were due. I have never been behind and the monthly payment total due is {$1200.00}. I am remitting {$1500.00} each month by the due date in {$750.00} payments every other Tuesday. I contacted Loan depot in attempt to fix this and was advised they " Loan Depot '' would be happy to set up a payment of twice a month to come automatically out of my bank. I was told they will NOT accept a partial payment from me. I do not want the mortgage company to have control of my payments and when they are made. I do not understand why they can set it up internally yet, not allow it externally. I am actually paying an extra payment a year to principal on my schedule. This allowed me to budget my money and it has been a struggle during the pandemic with my husband working part time. They did not remit my insurance payment they collected from my escrow timely resulting in it expiring and me having to pay money down to keep it in effect until they would pay it. They finally paid it in XX/XX/XXXXwhen the insurance company billed them again. I continue to suffer severe anxiety due to the inability to structure my budget accordingly. I am the one paying the fees for failure to remit timely payments if they return the payments because it is not a full amount on the actual date. This must be against some law and fair practice. I would like any information that allows for me to make my payments and protect me and be sure they are paying my house insurance with funds they have collected. Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
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:
My social was stolen during the XXXX  hack and multiple energy company accounts were open as a result. XXXX  XXXX  transferred the debt of an account that was opened without my authorization to a debt collection agency. XXXX has been contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Experian Information Solutions Inc.
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:
I sent Experian a dispute earlier in the month because I noticed inaccurate information of my consumer report. Experian responded back claiming the following accounts were verified. I am requesting the method of verification as well as the legal required documents. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be EXCLUDED from the consumer report. Experian sent me a correspondence saying these accounts were verified which is admission of a violation of my federally protected rights. I also understand that pursuant to 15 USC 1681i ( A ) ( 1A ) an account must be removed from my consumer report until you are able to legally verify the account. I have attached with this complaint a letter explaining why the accounts are inaccurate, my passport card and utility bill for verification of identification.

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 2021-06-10
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I reached out to this financial institution on numerous occasions, via phone call in XXXX of XXXX and also by via USPS Certified Mail letters. I informed this company that they have in fact violated the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) pertaining to the alleged loan they claim I owe on my vehicle. I received no response from this company. 

On XX/XX/XXXX I forwarded a certified document to this company- a letter of violation, demand and written instructions along with an affidavit of truth to validate the federal law they have violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
to whom it may concern upon further investigation, i have retained copies of my new credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law.you are required by federal law to place to a notice of dispute on my account within 30 days of my dispute which you signed for on XX/XX/2018. i have retained a copy of your signature and date of receipt, as well as a time stamped copy of my credit reports, showing that you have violated the fair credit reporting act, section 623 ( a ) ( 3 ) and/0r the fair Debt collections practices act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period i took the final goodwill attempt to have you clear up the matter the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. ( 3 ) Duty to provide notice of dispute. if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any reporting agency without that such information is disputed by consumer ( b ) time notice ( BI ) the notice require under subparagraph ( A ) shall be provided to the customer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603 ( p )

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-19
Company: BlockFi Inc
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I'm locked out of my account and can not withdraw my funds. The company violated their terms of service and misappropriated client funds, including mine. Now users are unable to withdraw their funds they were told were safe and still in their full ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/19 chase crashed my personal recurring check. On XX/XX/19 they bounced the check. I called and went I to rectify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Sam 's Club Mastercard. I received an off and excepted. I had not really used the card. Within the last 8-12 I have utilized the card. My card is on auto pay and I couldnt understand how I was always over my limit. I called and was told I am being charged for a card protection plan. I never agreed to this charge. I called and told them to cancel this. I was just charged again. I contacted synchrony who issues the card. They said they couldnt do anything and I would need to contact this company. I feel this is some type of scam that they use. I have been paying this fee for I dont know how long and I want my money returned.

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 2022-10-10
Company: Mortgage Research Center, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021, My husband ( XXXX XXXX ) purchased a home for XXXX located at XXXX XXXX XXXX, XXXX Florida. 

In XX/XX/2021, we received an email from XXXX XXXX ( the attorney who handled the closing ) stating we owed her XXXX. I asked XXXX XXXX for a full accounting of my escrow account. XXXX XXXX did not provide any proof the escrow account had any missing money and proceeded to sue me for the XXXX. 

I retained a lawyer in the suit and began research on my case. My attorney XXXX XXXX initially believed I should settle my case with XXXX XXXX. I provided XXXX XXXX with my research and explained we had RESPA, TILA, and TRID violations. XXXX XXXX then conducted his own research and concluded that several mistakes were made at closing that contributed to the errors. One of which was the Lender Veterans United did not follow the 3-day rule with my mandatory disclosures. My closing was on the same day as the disclosure. 

My attorney and I added Veterans United as a third party to the lawsuit. Veterans United failed to respond to our complaint and a clerk 's judgment was issued against them. 

The issue at hand is that veterans united did not follow the rules and issued a buyer 's disclosure with an incorrect purchase price. XXXX XXXX did not find the error at closing and did not balance the escrow account after the transaction, and in the following months. It took XXXX XXXX 6 months to notice the account was missing funds. However, at this point, it is just an allegation at this point because XXXX XXXX has not provided any financial records to substantiate her claims. 

My husband and I are both Veterans and we used our VA benefits to purchase this home with XXXX down, I paid XXXX as earnest money that should have been returned to me in full at closing. Due to the errors made by Veterans united and XXXX XXXX, we did not get refunded our XXXX at closing, and have attorneys fees associated with defending ourselves from their errors. 

We believe Veterans United must fix this problem. We believe XXXX XXXX and Veterans united are both time-barred from collecting the XXXX. 

My husband and I are concerned that Veterans United and XXXX XXXX will drag out the court proceedings in order to bully us into a settlement. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Veterans United is a big corporation. As such we request the CFPB to assist us. A homeowner should not be on the hook for errors caused and created by the mortgage lender six months after the purchase of a home. 

Respectfully, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Block, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Cash App XXXX XXXXXXXX  card that I did not request via USPS on XX/XX/2022. 
A form of my name is printed on the card, along with what appears to be a username for a Cash App account, which I do not have. I believe a fraudulent Cash App account has been opened using my identity to allow criminal mobile phone payment activity to occur. This XXXX XXXX card is a compliment to the mobile app account that was fraudulently opened and I only discovered this because it was sent to my home address. I contacted Cash App Support on XX/XX/2022 at XXXXXXXX XXXX and spoke with a Customer Service Rep regarding this suspected fraudulent activity. During this difficult customer service call ( the rep had problems correctly recording my legal name and email and I did not have the impression of complete understanding of my issue ) I requested that the card and account be closed ASAP. She sent me an email with a link to upload photographs of the Debit Card to begin the process of disabling it, which I submitted on XX/XX/2022 at XXXX XXXX. Nothing was mentioned about disabling the associated fraudulent Cash App mobile phone account so that is one of the reasons I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent 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 non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: IL
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports.

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 2020-12-29
Company: FIRST HORIZON BANK
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/20 i purchased a XXXX XXXX watch using my debit card i never received the merchandise so my bank told me to sub a dispute to my local branch. i was denied the dispute. my bank could not tell me what institutions the money went only the merchant how can this be when i received a credit of {$14.00} on XX/XX/20 when i know that the money did not go direct to the merchant because my account was debited by XXXX XXXX for {$58.00} on XX/XX/20. they are rejecting my dispute!

Company response to consumer: Closed with explanation