BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: CITIBANK, N.A.
State: TX
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/XXXX I purchased two tickets on XXXX XXXX. This purchase showed as two transactions on my credit card, one for each ticket, even though it was a single purchase transaction. 
XXXX XXXX changed their ticket policy after these tickets were purchased, and would no longer guarantee an open middle seat. Since I would not have purchased the tickets given the new policy, I requested a refund from XXXX XXXX and was denied by them. 
I had to open 2 disputes with the credit card company, one for each ticket. One of the disputes was decided in my favor on XX/XX/XXXX and the credit card company credited my account with the entire amount of the ticket. The other dispute was denied on XX/XX/XXXX. I had provided the same documentation and information for each ticket dispute in a communication dated XX/XX/XXXX. 
When I called on XX/XX/XXXX another dispute was opened for the ticket which had been denied and I was told at that time that since one of the ticket disputes had been resolved in my favor that both should have been resolved in my favor. However, I was never credited with the second ticket amount. I inquired again on XX/XX/XXXX and was told again the second ticket would be credited but that the duplicate dispute should not have been filed and the original dispute for the second ticket would be reopened. 
Today, XX/XX/, I received a letter from the credit card company which stated " We no longer have any means to assist you in this matter since the timeframe in which to resolve a dispute has passed. '' I called them again and spoke to XXXX who gave me a completely different explanation and offered me {$170.00}, and I Informed her that I was going to file a complaint.

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 2023-12-12
Company: EQUIFAX, INC.
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, DIVERSIFIED ADJUSTMENT attempted to collect money by XXXX XXXXon my credit. They are citing that it is a XXXX collection. XXXX has confirmed that they are not affiliated with this company and have not initiated this. They have no knowledge of any of this. I do not have any XXXX services at all. I have services with XXXX and have for years. Please stop attempting to collect money erroneously and remove this from my XXXX credit report. This is not the company 's first attempt despite being told this is not my account. They have provided nothing from XXXX. And XXXX has confirmed there is nothing to provide to me because I do not have an account. In retaliation they posted to my credit account again today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Io, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I received a printed copy of my credit file. On page 5 of my credit file RECEIVABLES MANAGEMENT SYSTEMS, Original Creditor XXXX XXXX  account # ending XXXX reported the date of first delinquency for this trade line as being XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS has changed the date of first delinquency for account # ending XXXX to XX/XX/XXXX clearly a violation of the FCRA and the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: GOLDMAN SACHS BANK USA
State: MI
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:
This is not my account. I have no knowledge of this account. I am a victim of identity theft. This is just one of a few accounts that were opened illegally. I need this removed from my credit report as quickly as possible. Yes I realize some of the information is the same or very close to the same as my real information. That's why it's called identity theft. Tell me what I need to do to have the account removed from my credit report it as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: IQOR US INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied sent me a letter saying I owed {$130.00} but would take less.for an old XXXX  XXXX that was closed and payed off.but they offered a low amount so i called them And said If you take it off credit report I would pay it. They said yes ok!!! I have a witness that was on other line to verify this.I called them and they said they would take care of it.and desputed with XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TN
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 delete the following information in my file.The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Synovus Bank
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: WELLS FARGO & COMPANY
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I am writing to express my dissatisfaction with the pass overdraft fee charged on my account. I have been a loyal customer of Wells Fargo for 2 years and I am extremely disappointed with the way this situation has been handled. 

through the years and during COVID when charge went under due too the fact that I couldn't work I had payed hundreds of dollars to wells Fargo for over draft I was charged an overdraft fee multiply time for a transaction that I do not recall authorizing. Upon further investigation, I found that the charge was due to reason for overdraft, XXXX. a mistake in my account balance tracking. 

I am frustrated that Wells Fargo did not provide any prior warning or notification about the overdraft before it occurred, despite the fact that I have signed up for overdraft protection services. Furthermore, the fee seems excessive and disproportionate to the mistake made. 

It got to the point were I had to closed my account Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit 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 2020-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Creditor was notified on XX/XX/XXXX in writing that a {$60.00} store credit for a purchase was not reflected on statement issued for close date XX/XX/XXXX and thereby the total balance due was in dispute. Creditor issued a partial credit of {$69.00} as reflected on statement issued for close date XX/XX/XXXX in lieu of {$98.00}, the total amount creditable inclusive of the interest and fees charged during the resolution process. Creditor did not provide written or verbal explanation for not crediting the full amount due {$98.00} as required. Creditor made clear that it does not intend to credit the remaining interest/fees of {$29.00} when it resumed charging interest on that remainder after making partial correction and refused to respond to subsequent written notices ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), to questions when contacted by phone, and to messages submitted online. 
As of statement close date XX/XX/XXXX, creditor has charged an additional {$17.00} on the {$29.00} amount that was excluded from the credit adjustment calculation for a current total of {$47.00} in interest and fees that I have no obligation to pay as I understand current law. Last written communication dated XX/XX/XXXX again reminded creditor of its legal obligation to address. Note, purchases are typically paid in full by the date due to avoid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
For years, I have been attempting to resolve this dispute with the Mortgage Holder / Servicer ( s ) of my Home Loan - first on my own, then with the assistance of others - including my attorney. 

Despite our best good faith efforts, the Investor ( XXXX XXXX XXXX XXXX XXXX ) and current Servicer ( Mr. Cooper, formerly known as NationStar Mortgage ), continues to act in bad faith. 

Although both entities have been disciplined and sanctioned by governing bodies ( XXXX XXXX XXXX XXXX XXXX by the OCC, and Nationstar/Mr. Cooper by the CFPB ), I have received no remedy - and am now pleading for relief from the CFPB. 

The most recent grievous actions surround Mr. Cooper refusing to deal directly with me - or any of my appointed representatives. Contact, requests for assistance, and negotiations have been referred by Mr. Cooper to their legal Counsel. 

That attorney, XXXX XXXX XXXX ( Partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX, XXXX XXXX  | XXXX, FL XXXX D : XXXX XXXX XXXX | T : XXXX XXXX XXXX XXXX ) has not made headway in communicating my needs to her client, neither does she respond properly to my requests for assistance. 

Documents submitted - per the Servicer, must go first to XXXX XXXX. this has caused me to have to share sensitive and personal information with a third party I have not done business with, and who is free to utilize this information for whatever she chooses ( in my opinion ). 

I have filed a complaint directly with Mr. Cooper, sent requests and information through their 'secured portal ', and attempted to contact all published resources - only to be told offhandedly, that I do no qualify for assistance because of reasons which make no sense. 

I have repeatedly submitted a complete hardship assistance application to this Servicer - the Investor was apparently forced out of business for similar abuses by the OCC ( Office of the Comptroller of Currencies ), and to the opposing counsel in this case - to no avail. 

I am pleading with the CFPB for more intercession than a 'resolved-Servicer replied ' ( paraphrasing ) response. I am praying that the various available options - including settlement monies set aside for persons like myself be utilized to make me whole - and allow the parties to resume their business amicably. Please help me to save my home. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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 records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681sXXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2021-07-30
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are two ( 2 ) Historically Under-utilized Businesses ( HUB ) companies duly registered in the State of North Carolina and responsibly carrying on business in the state by XXXX XXXX XXXX ; a USA citizen. While XXXX XXXX XXXX and XXXX XXXX XXXX has been in business since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX was incorporated on XX/XX/XXXX with the NC Secretary of State ( SOSID : XXXX ) having been appointed a XXXX XXXX Agent to carry-out Money Transfer Services. 

The above mentioned HUB companies both opened and operated recently Business Accounts with First National Bank of Pennsylvania branch located on XXXX Falls of XXXX XXXX, XXXX, NC XXXX. Without the attendant due process and recourse to our companies ' representative/business owner ; First National Bank of Pennsylvania reversed duly presented check payments made by a Mr XXXX XXXX XXXX to our company for services provided resulting in debit balances of XXXX XXXX and XXXX Dollars and XXXX Cents ( {$720.00} ) for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX Dollars and XXXX Cents ( {$240.00} ) for XXXX XXXX XXXX XXXX XXXX. 

These debit balances are not owed by our companies as alleged by First National Bank of Pennsylvania ; who in turn turned over these debit balances to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection. We dispute the basis and authenticity of these debts and want the CFPB to intervene and invalidate these claims by First National Bank of Pennsylvania and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have made 4 payments on my mortgage. The first one to XXXX  XXXX  and 3 of them cashed by Shellpoint. On XX/XX/XXXX XXXX  XXXX  confirmed they sent their payment to Shellpoint. Yet, Shellpoint is saying I have made only 3 payments. I have provided support for all 4 of my payments numerous times. I have spoked to 4 different people. Yet, they still say I owe one payment. I asked them if they received the payment from XXXX  XXXX  and I hear different answers from them. So I am not sure. I believe XXXX  XXXX  that they sent over the payment. But Shellpoint isnt even looking for it even though I have requested this numerous times. They are XXXX  and crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to address issues concerning accounts labeled as late payments that are reporting inaccurately on my credit report. Despite my history of consistently making responsible and punctual payments as a loyal customer, these accounts are inaccurately depicted as delinquent. This misrepresentation is unacceptable and requires immediate correction.

Company response to consumer: Closed with non-monetary relief