BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
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:
Ref # case XXXX on XXXX, XXXX several items was bought on line from XXXX XXXX XXXX some was kept some were returned. XXXX item a suit {$430.00} was returned but no refunded received. My son called the store manager to report that they said it was refunded but not the correct amount check you XXXX statement for the refund in a few days. A week later we got {$35.00} but not full amount. I called XXXX XXXX XXXX several time they said I need to speak with the store XXXX I did but he was not welling to assist because he couldn't access on line orders and he referred me back to XXXX XXXX XXXX. 
I called my Bank Citibank and I open a dispute for the amount of {$400.00} by phone on XXXX # case XXXX XX/XX/2023. A few weeks I received a letter telling me the dispute was closed because there was not a detail explanations for return. This is was a surprise request since when we have to gave a reason to return an item. I responded in writing to reopen the despite. 
Then they requested evidence of return which I never got XXXX for this item. I called Citibank and a spoke with XXXX manage with the name XXXX and asked him why you need evidence of return is the store denying they received the suit back he said yes. I requested to get copy of the merchant letter more than XXXX time but I got nothing. How can they denied they got the item back and at same time they refunded only {$35.00}. 
He said the Citibank will not contact the merchant at less we have evidence of return. Here after tow months going back and forward, my bank done nothing to help me with my dispute. 
Please let me what else I should do to get this resolved.

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 2023-02-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received two postcard notifications in mid XXXX from the " XXXX XXXX XXXX  XXXX XXXX XXXX Settlement Administrators office informing me that a check representing a settlement award was mailed to me on XX/XX/XXXX and remains uncashed. 

In no way did I receive any such check/settlement awards. 

The notification also went on to say that if said checks was not deposited by XX/XX/XXXX, that the check ( s ) will become void and the checking account will be closed.

I immediately called, emailed and wrote the Settlement Administrator numerous times before the mentioned deadline dates, with no success nor responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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:
i started to look at my credit report to make sure my credit was in good standing, however I noticed multiple unauthorized accounts as well as unauthorized inquiries on my report. i'm lost on the fact that whomever was able to steal my identity/information, i was not aware of any accounts/inquires. The fraudulent accounts are as listed : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX XXXX. The fraudulent Inquiry are as listed : XXXX XXXX ( Finance ).

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 2020-07-28
Company: Midwest Service Bureau, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX has called me from Midwest XXXX agencies. I have spoke with him and tried to settle the debt but he wouldnt give me accurate information. The numbers just do not add up. He also contacted my previous employer as well as my current employer and my girlfriend harrassing us. I have told them repeatedly i am on the national do not call registry and he still continues to call. He told my boss information that was private and hurt my employment which eventually lead to me having to leave the company. I am sick and tired of being harrassed by this same individual. He used profane language on the phone calls and calls me at least once every other day. I have tried to settle debt with the original collector and they will not accept any form of payment if it isnt the full amount.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2021-07-08
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Consumer Financial Protection Bureau, Currently, I am delinquent in my mortgage loan of my owner occupied and primary residence located in XXXX XXXX, FL. The mortgage loan is being serviced by Mr. Cooper aka Nation Star Mortgage, which is the servicing mortgage loan company of trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I requested loan modification back in XX/XX/XXXX from Mr. Cooper aka Nation Star Mortgage. I requested loan modification to avoid foreclosure and because I lost my employment due to COVID-19. They sent me a letter denying my loan modification request on XX/XX/XXXX. They are only giving me the options of a short sale, deed In Lieu and reinstatement of mortgage loan with a single-lump sum payment to bring mortgage current by paying all past due amounts, which is a large amount exceeding my capacity to pay. I have asked Mr. Cooper to negotiate the single-lump sum payment amount and reduce it to one quarter or half of the single-lump sum payment amount being requested. In fact, I have even proposed to reinstate the mortgage loan by making several trial payments or payment arrangements in smaller amounts so that it makes it easier for me and I can keep my home, but Mr. Cooper does not even want to negotiate. At this point, Mr. Cooper does not want to accept any affordable payment arrangements or offers to reinstate my mortgage loan. They are simply making it as a high single-lump sum payment and not even consider approving my mortgage loan modification request. 

I appealed again loan modification to Mr. Cooper on XX/XX/XXXX, asking for negotiation of single-lump sum amount requested, and they sent me letter advising me that they will consider evaluating my mortgage loan modification request, but to be on the look out for foreclosure notices coming soon. They have not even attempted to request any financial information from me. My income is stronger in XXXX compared to XXXX income reported to IRS. I believe that Mr. Cooper is not making an effort to evaluate my appeal of a new mortgage loan modification, and they are just simply moving forward with foreclosure proceedings after XX/XX/XXXX when the mortgage/rent moratorium ends. 

I am asking for your intervention in the mortgage loan modification and negotiation of single-lump sum payment being denied by Mr. Cooper and its trustee XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ). Please help me keep my home so it does not escalate to foreclosure proceedings. I am willing to make affordable payment arrangements and start paying my monthly mortgage loan payments approved by a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: BAM Management US Holdings Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/2023 I was contacted by a scammer posing as a Binance.Us support person. Using a ticket number shown on social media ( XXXX, Binance asks for a ticket # in their twitter feed ) I received an email promising to return funds sent to a wrong network. 

I did send funds several times as asked for. I did stop after the Scammer asked me to empty several balances into their address. 
After realizing the Scam, I contacted Binance.Us support. 
I followed the Scammers address and it led back to a Binance account. 
Binance.Us Support claims that this is not true. 

I'm attaching screenshots of the transactions My account>Scammers intermediary account>Scammers account connected to Binance>Binance XXXXotal amount sent from 3 transactions {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar had acquired my mortgage from XXXX XXXX XXXX sometime in XXXX XXXX after I purchased my house on XXXX XXXX XXXX XXXX, NY XXXX in XX/XX/XXXX or XX/XX/XXXX. I subsequently sold the house on XXXX XXXX, XXXX to XXXX XXXX. It came to my attention in XXXX XXXX while doing my income taxes, having received tax documentation from NationStar, that they had paid {$5500.00} of my escrow for the XXXX taxes for XXXX XXXX . I contacted Nationstar, they agreed it was an oversight however, they REFUSE to refund the {$5500.00} to me. I am requesting that not only the {$5500.00} be returned but also treble damages be attached in the amount of {$16000.00} for Nationstar 's blatant refusal to address my issue, even after having admitted to their mistake. I also ask that a 3.99 % interest rate be added ( current mortgage interest rate in my area ) making a total of {$23000.00} to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Stilt Inc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Hello, I took a loan from Stilt Inc. a few months back. After the loan approval, I opened their Stilt Checking account as they said Ill get 5 % cash-back if I pay loan payments with their checking account. It worked fine for two months. After that i dont know what happened. Stilt checking account suddenly got closed with my money in it around XX/XX/XXXX. It asked me to upload all the documents again like XXXX ID, SSN, etc ... I uploaded it and still, I wasnt able to access it. I contacted Stilt customer care on XX/XX/XXXX and told them the issue. They said theyll look into it. I followed up with them every week through email or phone calls and they say the same thing every week that they escalated the issue to the higher department, other than that theres no help from them. The money to pay for the loan is in that checking account. Im 10 days past the due date and I was fined for late fees and it's gon na report on my credit score that I havent paid my monthly payments. I need help. Please.

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 2023-07-09
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: CO
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:
I, like most student loan borrowers, were under the government forbearance ( still in place till XXXX ) so did not do anything to stop my payments from being active again. I found out just this month that my loans were not under the mandated forbearance and my loans are now in default over 90 days. Apparently my federal loan had been sold/purchased by Aspire and they did not tell me that my loan did not qualify - I still have not gotten a straight answer from them as to why my loan does not qualify. I did, in early XXXX, file a forbearance on my own on top of the mandated forbearance just to be covered once it ended, but Aspire does not show that my request was ever processed. When I discovered my credit reports show 90 days late, I immediately called Aspire to have them undo it, they refused and said I should just dispute it with the credit bureaus. The total amount of the loan with Aspire is {$7300.00}, credit report shows that I am XXXX  days late in XXXX and XXXX  days late as of XXXX of XXXX  ( current for some reason in XXXX ). Again, Aspire did not ever tell me that my federal student loan did not qualify for the government mandated forbearance and they did not process my submitted document to request my own forbearance!

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 2023-05-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Sunday, XX/XX/XXXX Wells Fargo made a fraudulent withdrawal of {$4000.00} from my checking account. Apparently someone hacked into their system. I called on Monday, XX/XX/XXXX and they told me to close the account and they filed a fraud claim. They also assured me the money would be returned. They also told me to file a police report. I did both, closed the account and filed a police report. I called again on Thursday XXXX, XXXX they told me they identified the thief, and assured me the money would be returned within 24-48 hours. This did not happen. I called again on Wednesday, XX/XX/XXXX and was told that funds would be returned in 24-48 hours. No returns made. I called again today, Monday, XX/XX/XXXX and was told that they couldn't guarantee when the funds would be returned. 

I greatly appreciate in advance anything you can do to expedite Wells Fargo returning my money as soon as possible.

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 2023-02-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

In accordance with The Fair credit reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and is therefore fraud. 


15 u.s.c 1681 section 602 a. States I have the right to privacy. 

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 instructions. 

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
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 am writing to dispute a fraudulent collection account that has been reported to my credit report by XXXX XXXX XXXX XXXX, doing business as XXXX. The account in question has the account number XXXX and the original creditor listed as XXXX XXXX XXXX. 

I believe that this account is fraudulent and the result of identity theft. I did not open this account or incur the debt associated with it. I have already taken steps to report the identity theft to the relevant authorities and have filed a police report.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and remove this fraudulent account from my credit report as soon as possible. I am also requesting that you provide me with written confirmation that this account has been removed from my credit report.

I have attached supporting documentation to this letter, including a copy of my police report and any other relevant documentation. If you require any further information from me, please do not hesitate to contact me.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/1975

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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 reported a charge on my Gap/Barcley credit card for a Gap credit card account number ending in XXXX. I called gap and they assured me they will be removing the charge.. However, they closed my account and never removed the charge like they said they were. My credit score is going down every day because of the charge still being there. I have contacted them multiple times and they still havent resolved my 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 monetary relief
Consumer complaint received 2023-01-12
Company: Waypoint Resource Group, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My original debt was with XXXX. I paid it upon completion of services 5 years ago. The debt of {$100.00} was added to my credit report 2 months ago under an entirely new company, Waypoint, that I have no agreement with. 
I don't owe this money to the original creditor or the contracted collection company.

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 2019-07-29
Company: JPMORGAN CHASE & CO.
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:
Jpmcb - Card Service Inquiry from XX/XX/2018 National Credit Card Cos. They made a hard inquire of my credit. When i checked my credit score and reported, i was shocked. This situation really affects my XXXX   health, because as you can see I do not have any late payment on all my debts, I have being extremely responsible with all the financial institutions that I have a relation with, and this hard inquire drops my score.

I want from you to remove that inquire because i did not request any credit from this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 my personal information ( phone number, ssn, home address etc ) was compromised by an unknown person whom I will call hacker. 

The hacker accessed my banking app with the information he obtained. 
At the same time I was calling wells fargo multiple times in order to lock and freeze my account and stop anyone from accessing the funds, but the workers from WellsFargo were not very effective at protecting my account and the hacker continued to have access to my card and account, The hacker then transferred money in my account to different crypto currency platforms such as coinbase, crypto.com, and XXXX. Also the hacker used XXXX to transfer money to someone named XXXX whom I do not know. The hacker also used atm from different locations and withdrew thousands of dollars. When I finally had access back of my account from visiting the branch in person I saw unknown phone number registered on my WellsFargo banking applicatoin. ( all will be attached as files ) Even with my full effort to stop this from happening the damage was done. So I filed police report and soon was able to have detective investigate my case and is currently going on. 

I have requested reimbursement of this fraud to WellsFargo but they rejected saying that they think it is me that did this. 

The response from WellsFargo was very unexpected since this is a very obvious case of fraud and they have record of me constantly reaching out to them to stop this from happening. I had no idea who I needed to contact for help then found out about CFPB. 

Please resolve this case for me, I will provide any additional information needed. Also all attachments that I have will be uploaded with this ticket. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief