BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: CITIBANK, N.A.
State: NC
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:
On XX/XX/2021 I made a purchase in the amount of {$800.00} on XXXX using my Citi credit card. On XX/XX/2021, I canceled the order, the seller would not refund, and the seller did not and would not ship the item. On XX/XX/2021 I filed a dispute with Citi cards for the purchase. On XX/XX/2021 Citi declined my dispute. In their decision, Citi referenced a response from XXXX. XXXX stated it was an Invalid Dispute - Services or merchandise were provided prior to cancellation date. No proof of cancellation was provided. This is false, the merchandise was never shipped or provided! On XX/XX/2021 I contacted XXXX, and they would not assist, as they said it was up to the credit card company. Im not sure why XXXX gets to decide, as I purchased directly on the XXXX website. 

I paid for an item I did not receive. I canceled on XX/XX/2021. To date I have not received the item, nor have I been refunded. It is not marked as shipped on XXXX, there is no tracking number. Even in the response from XXXX, there is no tracking number or shipping information. 

Attached are the correspondence with Citi, XXXX and the XXXX  seller - I clearly ask the seller to cancel, and refund on XX/XX/2021. Also attached is the XXXX  page showing that the item was never shipped. 

Please help! I dont know how this is complicated, I paid online for an item, that was never sent, and I wasnt refunded. I could lose {$800.00} dollars. Im single father and I cant afford that.

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 2020-09-16
Company: Experian Information Solutions Inc.
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:
XXXX  ; Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2023-11-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In 2019, I made multiple transactions via chase quickpay to my husband ( ~ $ XXXX and XXXX each time ). I was heavily sick during that time, and can not go to any branch to get a cashier 's check at that time. 

Right after the transfer, all my chase accounts ( credit card, checking, and saving ) were closed with no detailed explanation. I made a bunch of phone calls, but no detailed explanation of what violations I made. Also, due to my poor health status, I had no extra energy to handle life problems, so I did not insisted to pursue for the reasons or tried to retain my account. 

In XXXX, I applied two credit cards and was approved instantly. This suggests my credit has no issue. But I received a letter recently, claiming my accounts will be closed because of association of previous accounts closed. 

I want to address this issue and want to be helped out. I was a loyal chase customer since 10 years ago, when my very 1st account in the United States was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this 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 non-monetary relief
Consumer complaint received 2023-06-13
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony Paypal MC combined with Paypal and took away many features leaving it nearly impossible to dispute or resolve issues. Also there is not contact info for the credit card. No phone, chat or email. Also can no longer see all activity. Would need to know exactly when the transaction occurred and look under that statement. Previous to XX/XX/2022 You could search in activity by dates. I had to dispute a fraud Company charge in XXXX and I had to fax my documentation since messaging is gone. Emails I receive with letters, I can NOT open on my desktop, it says : Sorry, our app is temporarily unavailable. We are working quickly to restore access. Please try again later ( see pic ). And today I received an email that says I have a message ( see pic ). To go to messages but that feature no longer exists. I have expressed all these issues to Synchrony, except for the email that came today. I dont think anyone will fix it

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One has not addressed any of the issues that were placed in the complaint. 

This issue did not start in XX/XX/2020 ; it started in XX/XX/2020. A letter was sent to an address where I did not live but was not made aware of it until I called Capital One later. I was told by one of the reps that my payment was supposed to be a certain amount and I paid the amount requested but then later was advised I was supposed to pay the amount in the letter that I never received. The account was restricted then and I was told that even if I pay it off, I won't have access. 
The payments that Capital One claimed were returned were associated with a card placed online and were locked at the time of the payments. Capital One turns the autopayment on the account when a payment was made over the phone. I explained this to Capital One reps several times and they were supposed to pull reports to verify but they haven't since XXXX. 

In closing, Capital One has not provided any explanation for the issues I outlined and then has the audacity to claim that payments were returned even when the online card is a Capital One debit card. None of these payments were returned for insufficient funds, it was returned because the card was locked. All of these returned payments were explained to the reps several times but Capital One still claims that these payments were returned due to my fault. I have never made an autopayment to Capital One since XX/XX/2020, but it was made manually. Please address my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX. I A victim of identity theft a long time ago. After that incident there were incorrect and inaccurate items that appeared in my report. Please delete all of the following ACCOUNTS and INQUIRIES from my credit report immediately. Besides these items, also delete the incorrect names and addresses that I did not live in and names I do not go by. They are all a result of ID theft. Please remove these items which are not as soon as possible. Please see attached IDENTITY THEFT REPORT.

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 2023-11-21
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My PayPal account has been banned for the past XXXX years for unanswered reasons, I have tried on numerous occasions to come in contact with PayPal but their number never works and you can never speak to a representative. I have sent them countless messages asking for help, but they always answer the same thing that after 180 days, we will give you instructions on how to transfer your funds. It has now been much more longer than 180 days, my funds have been frozen in the account for over two years and this issue seems like it will never be resolved. No matter how much I plead with them to at the very least help me in recovering the funds if they do not wish to reinstate the account or tell why I was suspended, they should at the minimum be helping to transfer the funds out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Bought out my mortgage from XXXX 

Added back a escrow amount that was dismissed from XXXX XXXX XXXX  back on my account. 
Now trying to foreclose on a loan that I a am current on and the company 's obusmen department has also dismissed. 
I have a recorded phone conversation that I recorded the same time they was recording. 
This company tried to remote access my computer while talking to me about this and delete the phone conversation. 
When I realized that was what they was trying to do. I inform them that the phone conversation is burned on a CD in my safe and they just laughed at me. 

Now trying to foreclose on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I submitted a dispute with Experian on or around XX/XX/2017. An item that i dispute, as the account is not mine, came back as updated. I contacted Experian twice on XX/XX/2017 and asked how the items were verified. I was advised by the 1st customer service rep XXXX that Experian is not required to provide any verification to me. I asked for a supervisor and was informed that a supervisor was not available. I gave XXXX my number and he advised that a supervisor would call me within 24-72 hours. I feel that this is unacceptable timeframe for a return call. I called back 3 hours later and spoke to 2nd customer service rep, XXXX. XXXX stated that if the account came back as verified then I would need to reach out to the creditor as Experian is merely the middle man. She stated that they only report the dispute to the creditor and that they are not responsible for any verification of alleged debts.She said that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me.I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2019-08-02
Company: EQUIFAX, INC.
State: FL
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:
I filed a dispute with Equifax # XXXX on XX/XX/XXXX. I received an email XX/XX/XXXX stating that the dispute was resolved however to this day their website wont allow me to see the results and the mail they claim to have sent I never received. When I call I'm on hold for a few hours before they disconnect the call. I disputed a bill from a collector providing them receipt of payment from the original creditor XXXX  XXXX and they have done nothing. 

XXXX XXXX XXXX XXXX XXXX  Credit Reporting Agency Equifax Original Creditor XXXX  XXXX XXXX Fl

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
United Revenue has continued to willfully report inaccurate information of an alleged debt after being notified several times via certified mail. I never received notification from the debt collection company PRIOR to add this to my credit report which is a violation of the FCRA laws. I have attached the debt validation letters, inaccurate reporting, and certified mail receipt. 
This company has failed to respond within 30 days as requested from the debt validation letter. I have attached the certified mail receipt. 
The company has not been able to provide a contract with a wet signature for the alleged debt as requested. 

This account is reporting to experian only has been removed from the other credit bureaus due to inaccurate reporting of the alleged debt. 

There is a 1 month term showing for this alleged debt which is falsely indicating that there was a contract between myself and United Revenue Corp. which is not true. I have never had a contract with this debt collection company. 

There is another violation is showing a past due balance for a collection account which is a violation you have a past due balance for something you have never owed to a company you have had no contract with. 

This 3rd party, has no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
we were in the process to refinance our home to get a better interest rate with Quicken Loans we started this process in XXXX we had a rep who worked with us name XXXX XXXX every document they needed we gave them the end of XXXX they needed proof we paid XXXX mortgage which we showed the statement it was paid the next information from XXXX was XXXX guys are in closing the next step is XXXX notary will call XXXX to schedule XXXX XXXX them to come and sign papers i said do we have to pay XXXX mortgage he said no we are good weeks went by i did not hear from XXXX he was hard to get ahold of he never called back finally he called back on XX/XX/XXXX he said bad news the under writer needs proof of XXXX mortgage paid i was so upset he gave us misleading information he was not on our team he should of told us earlier that we needed to pay XXXX mortgage we would of paid it on time so i paid mortgage on XX/XX/XXXX it posted on XX/XX/XXXX he tells us sorry we can not give u the loan due to it shows u have a XXXX day late! we are so disappointed that this happened all because he informed us we were closing we did not have to pay XXXX mortgage not only did we not get the loan due to their mistake we have a XXXX day late on our credit i have owned our home for XXXX years never a XXXX day late until now.we were told we would get our XXXX appraisal back at the end i questioned what if the loan does not go through then what happens he said we will give it back that is why we paid up front my parents had a loan with them they did not have to pay up front they paid at end of loan XXXX again misinformed us we don't have XXXX to lose we want our appraisal money back i called to speak with XXXX name XXXX he listen to what i had to say all he could say was sorry we can not reimburse your money and because it showed XXXX day late we can not finance you are u kidding me this is a huge company advertisement says " we stand by our customers to make sure they are happy and have a good experience with us " very false this was the worst experience we have had XXXX was not on our team he never informed us ahead of time what was going on the last conversation we had was you are in closing we are almost at the finish line well that was false! i would appreciate your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
BANK OF AMERICA IN THE XXXX AZ AREA PHONE ME TO VERTIFY IF I GAVE PROMISSION FOR XXXX XXXX TO SEEK A LOAN IN THE AMOUNT OF {$5000.00} IN MY NAME. I HAVE NOT GIVEN ANYONE PROMISSION TO USE MY IDENTITY. THE ACCOUNTS IN WHICH SHE ATTEMPTLED TO OPEN ARE - XXXX AND XXXX. CONSIDER THIS A COMPLAINT. FOR I DIDN'T GIVE XXXX XXXX PROMISSION TO USE MY IDENTITY.

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