BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
State: DC
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 have filed a fraud complaint with Macys store card team and they sent me an email as a receipt as attached saying " Thank you for your recent inquiry regarding your account ending in XXXX. Please click here, print and complete the attached form and return it to us with a copy of one form of identification that includes your signature, ( i.e. Driver 's License, work ID, etc. ) to the address or fax number listed below. '' but the email has no attachments and the link in the email takes me to a page " Permission Denied You do not have permission to access this document. '' Maycs fraud team is coercing me to pay for charges on my account but not following process of my submission of the claim. This is violation of my rights to dispute charges on my card. Macys is using " no documention '' provided as an excuse to not help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-17
Company: Early Warning Services, LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXXXXXX XXXX, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Media Collections, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a 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 2021-06-07
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY SAYS I OWE A DEBT FOR THE AMBULANCE COMING TO XXXX XXXX XXXX. I WAS INJURED ON SCHOOL PROPERTY DURING SCHOOL HOURS PARTICEPATING IN SCHOOL ACTIVITIES. THE AMBULANCE WAS NEVER CONTACTED BY ME BUT THEY MADE ME SIGN MY NAME AND THEY BILLED ME, IN FACT I WAS STILL A MINOR AT THE TIME

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 2018-05-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home in XX/XX/XXXX. At that time, I was told my monthly repayment would be {$2400.00}. I paid that amount every month, timely, as agreed. Just a year later, on XX/XX/XXXX, Wells Fargo sent me a notice that my loan payments would increase to {$3400.00} due to an escrow adjustment. That is over {$1000.00} more than my original payment- more than a 40 % increase! 

I submitted a qualified written request and notice of error with Wells Fargo on XX/XX/XXXX. They still have not provided me with an explanation. To the contrary, they have unilaterally granted themselves 3 extensions of time to respond to my request. Initially, they were supposed to respond by XX/XX/XXXX. I've called Wells Fargo several times to resolve this matter, but each time I am told they are still researching the issue. 

On one occasion, a Wells Fargo rep indicated that the increase was due to the tax on the property going from an undeveloped lot to new construction. That can't be accurate. This is NOT a conversion loan. Wells Fargo knew that this residential loan was for a newly constructed home. They extended the loan amount based upon the appraised value of a newly constructed home, not an undeveloped lot. Therefore, they knew that the taxes would be based on a newly constructed home, not an undeveloped lot. With this knowledge, Wells Fargo was responsible for calculating my loan payments ( inclusive of escrow ) on my new home. In fact, they were responsible for exercising good faith when calculating my loan payments to perform the ability to repay requirements as required by statute. Wells Fargo failed to act in good faith. Instead, they are pulling a bait and switch by offering a low monthly loan payment and then significantly increasing the loan just a year later.

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 2020-11-05
Company: CL Holdings LLC
State: NJ
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: Investigation took more than 30 days

Complaint:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: F&L Marketing Enterprises LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I filled bankruptcy a few years ago and this company was apart of it. They refuse to clear this debt out of the national database. Even after talking with my attorney on several occasions. This has been years now and I need this matter resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Experian Information Solutions 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:
There's a charge-off loan account from XXXX XXXX appearing on my credit report. I've never had an installment loan account with XXXX XXXX. Therefore, this account has to be a product of identity theft.

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 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Wrote letters about 45 days ago with the results of verified XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$590.00}

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 2020-07-02
Company: EQUIFAX, INC.
State: FL
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT FILE. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OBTAINED BY AN INDIVIDUAL WHO WAS ABLE TO GAIN ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION IS BEYOND MY CONTROL. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had been a XXXX XXXX XXXX  client for 15 to 20 years. I received a notification that XXXX XXXX would sell their bank to US Bank. I took a look through the documentation and nothing jumped out at me. I realized I would lose some of the benefits XXXX XXXX provided but I knew those were unusually generous ( for example, they paid back any third party ATM fees ) and that was fine. 

On Friday, XX/XX/XXXX, I tried to withdraw my money from my account and was told I had " exceeded my daily limit ''. My limit has been {$500.00} for quite a while. I tried less and still received the same message. I then tried calling XXXX XXXX, was told there were issues with the merger and someone would investigate and call me back. I never heard from anyone. 

The next day, XX/XX/XXXX, I am still getting " you have exceeded your limit '' even though I hadn't taken out a dime since Thursday. Now I call am told that US Bank will not allow any XXXX XXXX customer to take cash out of an ATM until the XXXX or XXXX. if there was any notice given of this, it was not obvious as it should have been if customers were going to be denied access to their money over a holiday weekend. I was forced to take a cash advance against a credit card, something I never do. 

On XX/XX/XXXX, I am finally able to withdraw cash but I am limited to {$300.00}. I call US Bank and they say they will not raise anyone 's limit unless they've had a card for two months and an account for a year. I have had this same account and card for decades but because this is a merger, it resets their close. This is completely unacceptable and should have been clearly and obviously disclosed to clients so that they can properly prepare ahead of US Bank 's lockdown.

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 2020-09-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I open a citi account package online in XX/XX/2020, it has both checking and saving accounts. In XX/XX/2020, a free checkbook was mailed to my home address as a new customer welcome bonus. And then I wrote 5 checks to 3 different payees in XXXX and XX/XX/2020, the interesting thing is all those 5 checks returned as the checkbook is not active. After reaching out to citi customer service, they helped me to activate the checkbook so it looks good to me now. But the problem is the payees contacted me to pay extra money to cover the fee charged by their bank for the returned check. I didn't see any note or paper in the mailed checkbook to warn me that the checkbook is not active and it needs a phone call or online action to activate it. There is no such message in my mobile banking or online banking either. Based on my previous experience with other banks, the checkbook doesn't require an activation. So I guess it seems like not my fault and I'm asking citi to pay for the returned check fee.

Here are the details of all the 5 returned checks. 
Check # XXXX was returned on XX/XX/2020, {$13.00} payment and {$38.00} check return fee. 
Due to the business policy, the payee is unable to share the receipt for the check return fee. I sent them check # XXXX {$51.00} to cover their cost. You can see it in my checking account on XX/XX/XXXX. See attached image for check # XXXX. 

Check # XXXX was returned on XX/XX/2020, {$110.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$50.00} payment and {$12.00} check return fee. 
Check # XXXX was returned on XX/XX/2020, {$100.00} payment and {$12.00} check return fee. 
These 3 checks were paid to the same payee. They're unable to provide the receipt for the check return fee and I paid them {$36.00} cash to cover their cost as they were told by their bank that a {$12.00} check return fee was charged per check over the phone. See attached image for check return notice from payee 's bank. 

check # XXXX was returned on XX/XX/2020, {$170.00} payment and {$10.00} check return fee. 
See attached image for {$10.00} check return fee receipt.

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 2018-05-17
Company: GUARANTEED RATE INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently transitioned my income property to a second home. The lender was not upfront that they required a year long period of time before they would approve this. In the meantime, they had taken my application, all my information, and charged me for an appraisal. I didn't find out until after 4 weeks that they wouldn't approve the loan because it was a prior rental, and instead bait and switched me with a 5.75 % rate ( vs 4.6 % ). I  declined that offer and they refunded the appraisal cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, INC.
State: CA
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 HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Experian Information Solutions Inc.
State: CA
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 HAVE 5 MEDICAL COLLECTIONS FROM XXXX XXXX XXXX  ACCOUNT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX  IM DISPUTING THESE ITEMS BECUASE THEY SHOULD NOT BE ON MY CREDIT REPORT, THESE ARE MEDICAL BILLS AND PER HIPPA LAW THIS COMPANY IS IN VIOLATION OF THE HIPPA ACT. A DOCTOR OR HOSPTIAL IS NOT SUPPOSE TO SHARE MY MEDICAL RECORD WITH ANYONE WITHOUT MY CONSENT. PLEASE DELETE FROM CREDIT REPORT BEFORE I SUE.

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 2020-10-14
Company: TRUIST FINANCIAL CORPORATION
State: PA
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 am filing a complaint of non-compliance against the following collection companies : 1 ) REGIONAL ACC : Acct # XXXX 2 )  XXXX XXXX ( XXXX ) ACCT # XXXX 3 )  XXXX ( XXXX XXXX XXXX  ) ACCT # XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS.

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to XXXX and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-05-16
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just had a collection account show up last month on my credit report that i believe is part of my identity theft case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: CA
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:
My account with Experian has been compromised ( i.e. hacked ). When seeking to login to their service using my credentials, I am unable to do so. When I access " Forgot Username '', it indicates that an email with my username has been sent to an email address not associated with me and that I do not recognize. 

I've repeatedly tried calling the only phone number they have listed ( XXXX XXXX XXXX ) for assistance with this matter, but there is no ability to speak with a live person to help resolve and there are no automated prompts to address the issue I've encountered. I've subsequently sent email to XXXX and while I initially received a reply requesting additional info to verify my identity, I've not received a further response back from the company. This issue remains outstanding and there appears to be no way to get in touch with someone who can assist in this matter.

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 2020-11-13
Company: CITIBANK, N.A.
State: AZ
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:
XX/XX/20 and XX/XX/20 XXXX  processed/ran 2 fraudulent credit inquiries made by CitiBank N A, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX. 
I have communicated with XXXX and CitiBank since XX/XX/20. I had informed both of them that I do no business with CitiBank - no account, credit card, loan or anything. 
My XXXX  communications via telephone started XX/XX/20 to dispute above fraudulent inquiry, XX/XX/20 to place fraud alert ( which was done. ) On-going communications included calling about their dispute resolution outcome - I didn't create XXXX  account to review their outcome online but called and was informed the CitiBank inquiry would remain on my credit report. On XX/XX/20 I received another alert from my credit monitoring service for another fraudulent inquiry by XXXX - again listing the CitiBank listed above. XX/XX/20 I called XXXX and was given information on how to file a complaint with XXXX. 
My CitiBank communications via telephone started XX/XX/20. I made on-going telephone calls for days to CitiBank and was transferred to every imaginable department they had, provided exhaustive personal information and told they didn't see an account, credit card or loan application/created in my name. I also spoke with their Identity Theft Solutions Department with same outcome - nothing in my name or social security number. When I received the second alert on XX/XX/20 and called CitiBank Identity Theft Solutions Department on XX/XX/20 and today XX/XX/20 - both times they told me they didn't see anything in my name or social security number.

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