BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Macys Credit Card I had filed a dispute over a year ago with Macys Credit Card for a fraudulent transaction as my mail was stolen and it contained my macys credit card. I reported the stolen transaction as it happened since I received a text alert and Macys blocked my credit card. Despite the several attempts and them crediting my account and me also paying for the balance since they took longer than they should have to clear the balance Macys has erroneously billed me after over 1 year with a minimum payment balance of XXXX which I paid to avoid to be potentially affected on my credit report. I do not owe this money and this should be covered through a loss on Macys end as I never made that purchase otherwise I would have more than gladly paid it. Macys didn't bill me for over a year and all of a sudden, for no known reason they brought back the balance onto my card and are expecting me to pya {$400.00} which I do not owe at all since it was a reported fraud transaction that they even approved as a valid claim. They didn't bill me for a whole year and something somewhere on their systems it's not showing that I owe this money? This is a malpractice thank XXXX that I reviewed this statement and noticed that they put back a previous balance that it had been cleared on a credit card that was closed due to fraud. These are the actions to which I will agree this case as been resolved : - Reimburse the customer the paid amount of {$71.00} ( since I wanted to avoid being late on my credit bureau ) - Debit their Macys Operational XXXX XXXX XXXX and credit the outstanding unapproved by the customer fraud balance on their credit card in the amount of {$330.00} and XXXX any outstanding revolving interest as this balance should and it was paid off by the bank that originates Macys credit cards as this was due to a fraudulent transaction. 
- Provide the customer with confirmation that the account ending in XXXX has been paid off.

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 2023-02-03
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today I deposited XXXX into my Chime Debit Account. They only gave me XXXX. So I called customer service and was on hold for twenty minutes for them to tell me they charged a brand new card that I had used like twice XXXX from XXXX which I didnt authorize. They then proceeded to tell me they fixed it but they havent. Chime has stolen XXXX from my spot me feature in XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: JPMORGAN CHASE & CO.
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 several inquires on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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:
Subject : Regarding Equifax credit report Dear CFPB, I am victim of identity theft. Someone got car loan with my details from XXXX XXXX XXXX. I sent all my documents such as SSN card, police report, drivers license and latest utility bill to three credit bureaus to prove that I live in my current address, did not buy any car in last 2 years, and so did not get any car loan from any financial institution. XXXX  and XXXX have investigated and removed the account from my credit report. However, Equifax is not removing the account from my file. I sent request to Equifax two times. They refused to remove the account from my credit file. Car seems to be bought on different address. Not my current address. I sent all documents to prove them that Im living in my current address for last two years and told them I didnt buy any car in last 2 years. I sent latest utility bills too. How can they add new address in my credit file in XXXX-2017 and send their credit file to my current address? It is odd. They sent credit file to my current address and added new address to the file. 
I have decided to bring this issue to your notice because Equifax is not going consider my request. Can you please work with Equifax and try to resolve the issue. I really appreciate your help in this regarding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX, XXXX and Transunion are infringing upon my rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) YOU HAVE A GRAVE RESPONSIBILITY to respect my rights to privacy. I DID NOT GIVE my writing consent for either of these companies to report anything to my consumer report, and you reporting these accounts to my report is a VIOLATION!!!!! Pursuant to 15 usc 1681a ( 3 ) ( e ) there is NO reason for you to do investigation, because if anything comes back factual it can not be furnished on my consumer report! SO THE BEST OPTION is for you to DELETE IMMEDIATELY! 

1. Identity Theft XXXX  ( Original Creditor : 05 XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX This following accounts below show multiple inaccuracies on my credit report. These must be deleted immediately. 

1. Validate Account XXXX Account XXXX : XXXX 2. Validate Account XXXX Account Number : 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 2018-09-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
i bank with wells fargo, in XX/XX/2018 i was fraudulently charged for spotify premium and had to cancel all my existing debit cards due to this charge. the money was placed back in my account in XX/XX/2018 and again in XXXX the charge fro spotify premium was charged again after a long almost 5 hours on the phone with multiple vendors to cancel all transactions to my old cards and convert to the new cards, i was told by wells fargo that the money needed to be released and would take a few days to process back to my account. now days later im being told that '' XXXX took it upon them selves to deposit the charged amount into my account back in XXXX and the bank apparently did the same. At no point in time did i authorize any transactions for spotify and i understand from what i was told today 7 days after initial dispute of transaction, gave me money they shouldn't have however, this transaction on XX/XX/2018 to return the money ( i did not know i was given ) back to them should not have been completed without my knowledge and at no point should money be paid out to anyone from my account without my consent.i understand now that the money needed to be paid back but i never even got notified that this was an issue i had no knowledge of this until i called today to find out whats going on with my money. now im being told " theres nothing they can do its my problem '' and im the one screwed out of all the time and money to correct the issues. help!!!

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 2021-11-29
Company: EQUIFAX, INC.
State: WA
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 a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Re : Safe-Deposit Box # XXXX Wells Fargo Bank, XXXX SUMMARY Wells Fargo refuses to refund my safe-deposit box fee, promised to me by customer service in a XXXX, XXXX recorded phone-conversation. Nine months of prorated rent should have been recompensed to me ; however, I received no promised return calls or communication on the subject -- in any manner. 

OUTLINE I. On XX/XX/XXXX ... I rented a safe-deposit box from Wells Fargo in XXXX, NJ XXXX ... : In XXXX of XXXX, I called Wells Fargo to inquire about when the rental payment was due for that year ; I wanted to decide if I needed to keep it open, as I was moving out of state. 

A. The rep told me not to worry -- that I could close the box before the annual rental date -- and get a refund for the unused months. Therefore, I decided to pay the year on that box, in case I needed to store something in it temporarily, before my out-of-state move. ( This was an as-usual recorded conversation. ) 1. I did not have to use the box after all ; in addition, that box was empty the entire time I was renting it out. When I visited the office to close the box, I asked when/how I would receive my three-quarters ' of a year 's worth of prorated refund : The teller told me that I had no right to a refund?! 

i. Though I argued with her, she advised me to keep it open " temporarily '' -- and call customer service to resolve the issue. After many days of calls and promises ... customer service never attempted to resolved the issue in any way ; never returned my many-many calls or followed up on this theft. To date, nothing has been done to remedy the problem. ( This was an effort of weeks during a time I was under undue burden from a traumatizing move. ) LEGAL BREACH II. This was a verbal contract, that they know existed from listening to the customer-service calls back in XXXX : Wells Fargo is fraudulently keeping what was about {$130.00} of my refund -- without so much as a phone call to deny my legal request for reparation of those funds. 

B. I now live in XXXX XXXX and still am stuck with the keys to an empty safe deposit box : Though I changed my mailing address at the bank location, I just discovered NO ONE updated the information on my account ; this means, they have been sending my statements to my old address -- where a greedy land baron now resides. 

C. The way it stands : Wells Fargo is keeping my promised refund, which is a breach of a verbal contract. It is a bank, so they are greedy by definition.

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 2018-09-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/18 - {$84.00} Finance charges on a account that was paid in full earlier XX/XX/18 - {$25.00} late fee charged XX/XX/18 - {$110.00} paid to stop the charges accumulated so that I can work this out with WellsFargo XX/XX/18 - Reversed WellsFargo reversed the {$84.00} charges. Was suppose to reverse the {$25.00} late fee also, but did not.

XX/XX/18 - {$0.00} Finance charges in error.

XX/XX/18 - WellsFargo to return the {$110.00} payment to stop the charges, but not received yet.

XX/XX/18 - Requested {$0.00} to be reversed from XX/XX/XXXX posting. Said it was taken care of on the phone but only reversed {$0.00} XX/XX/18 - Reversed the late fee charged incorrectly from prior request on XX/XX/XXXX Currently I still have a {$0.00} balance that will continue to accrue charges in error.

I am getting the run around having to monitor to see what fees have been added to my account in error. This has probably been going on for a long time because I was not monitoring as closely since I detected the many mistakes made by WellsFargo

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 2021-04-05
Company: JPMORGAN CHASE & CO.
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: Card was charged for something you did not purchase with the card

Complaint:
I contacted a moving company about performing a move to Texas. I gave them permission to charge my card for {$75.00}. I noticed later in the day the charge was for {$1200.00}. I spoke to a XXXX who said they were sorry and that the funds would be returned. Several events happened and the movers did not show up to do the move. The movers did not perform a service did not obtain authorization to charge my card for {$1200.00} and I did NOT sign any documents with the moving company. It is clearly a case of fraud yet Chase has charged the funds back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2015 I was charged {$620.00} by XXXXXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Midstate Collection Solutions, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft/fraud. 
I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. 
These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. 
Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: SERVICEMAC, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This company has randomly placed an escrow account for my homeowners insurance as well as property taxes. This step was never requested by me nor anyone acting on my behalf. 

In my attempts to rectify this situation over the last 6 months I have called no less than 8 times, spoken with dozens of staff members, sent the required paperwork over and over, and no one seems capable or willing to making this seemingly simple correction. 

As a result of this companys ineptitude, my mortgage payments are not being applied and I am being harassed by your collections people. This is inexcusable.

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 2017-12-12
Company: Stearns Ventures, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I 'm a US veteran and did a VA streamlined refinancing in late XXXX with Stearns Lending ( the " Company '' ) as the finance company and current holder of the note. The Company 's loan servicing provider is " XXXX '' and that entity has a current practice of charging borrowers a {$5.00} processing fee for payments made over 4 days past the payment due date. Payments made over 9 days past the due date are assessed a {$10.00} fee. Loan documents state that I have a 15 day grace period to make payment each month without any late fee assessment. These processing fees during the grace period were not disclosed at the consummation of the financing. The assessment of " processing '' fees appear to be a disingenuous attempt by both the Company and its service provider ( XXXX ) to assess a late fee just by calling them something other that late fees. I tried to resolve with XXXX with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: EQUIFAX, 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 am a victim of Identity Theft, reports filed. I submitted FCRA reports to each credit reporting agency in XX/XX/2019 and XX/XX/2019. 
XXXX and XXXX have removed the fraudulent account. Equifax has not removed the account after receiving the documentation for months ago. 

Listed below is the referenced account : XXXX XXXX XXXX XXXX XXXX - Balance I have no knowledge of this account and this account is hindering me from moving forward with purchasing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Originally had a card with an annual fee, upgraded the card to one without an annual fee 1 year from the original open date. Still charged the annual fee for the old card and they refused to reverse the transaction even though the representative I upgraded the card with said it would be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
An collection company named ( NACS ) North American are pretending to collect the amount of {$91.00}.

When an agreement for a monthly payment plan with " XXXX XXXX '' was established since the month of XX/XX/2019, 6 payment of {$15.00} for a period of six months.

( Verified Attached, upload Invoices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IN
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 a victim of identity theft. I was affected by the Equifax data breach that occurred in XXXX. On XX/XX/XXXXXXXX I sent Equifax an FTC Identity Theft Report, my driver 's license, my social security card, a cover letter explaining what transactions were fraudulent and not made by me, and a copy of my electric bill as proof of address. I had listed 3 fraudulent hard inquires XXXX XXXX via XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, and 2 fraudulent accounts XXXX XXXX XXXX and XXXX XXXX XXXX. They received the documentation on XX/XX/XXXX via certified mail # XXXX. Per the FCRA, they have 4 business days to remove items I identify occurred as a result of identity theft, as long as I send in the required documents, which I did. I called XX/XX/XXXXXXXX  and spoke with XXXX, who initially told me the hard inquiries would have to remain on my report, even though they were the result of identity theft. She ended up removing 2 hard inquiries ; XXXX  XXXX and XXXX XXXX, as well as the 2 fraudulent accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX She told me she was unable to remove XXXX XXXX from the hard inquiries. I explained to her that it was also listed on my FTC Identity Theft Report as fraud and she refused to remove it. I was escalated to supervisor XXXX and he told me my FTC Identity Theft Report was invalid because my address wasn't on it. The address field is NOT a required field when submitting an identity theft report with the FTC on identitytheft.gov. I advised him that it is their duty as a credit reporting agency to maintain my privacy and block items I identify as identity theft and he flat out refused to help me. Equifax is in direct violation of my rights as a consumer under 15 U.S.C.1681c-2 ( a ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: MS
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 disputed and inaccurate report bankruptcy with XXXX  XXXX and Equifax. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However XXXX  sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly XXXX  is lying. 

I have reached out to an attorney and will file a suit against XXXX  Equifax and XXXX for inaccurate reporting Equifax and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information

Company response to consumer: Closed with explanation