BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
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:
This issue is with my credit card with Best Buy store card. In the month of XX/XX/2019 my credit card statement showed online unauthorized charges, so I immediately contacted Best Buy customer services and was transferred to the fraud department and reported the unauthorized charges totaling {$5600.00} with a previous balance of {$0.00}. I was told an investigation would take place. In XXXX I received a letter stating that the investigation was completed and that there was no evidence of fraud and I would be responsible for the purchases. I then contacted Best Buy Fraud department and questioned what the reason was for that showed that I was responsible. I was told that the notes were not specified clearly, so they gave me the option of having a second request for an investigation. In XXXX I received the conclusion of the second investigation. The letter and stated that they had completed their investigation and still find myself responsible. The letter did not have an explanation all they provided was the orders that showed an email that was used that was not mine and also a phone number that is not mine with the order delivered to a store in the city of XXXX XXXX, Ca. 
I notified Best Buy again and I was told by the Fraud department that I was responsible because of the purchases were delivered to my home. That is a huge contradictory when their paperwork shows a screenshot of the order was delivered to a store. I asked Best Buy to pull their video cameras and I was told they could not do that. In my opinion that would be an option to prove that I did not place these purchases nor picked them up. What is the purpose of video cameras if they refuse to use them to protect them and the consumers. After getting no resolution from Best Buy and notified XXXX, Ca Sheriffs Department and made a police report. When the officer that took my report contacted Best Buy himself they told him they refuse to deal with the Police Department because they are not authorized on the account. I find that completely wrong! I feel my rights as a consumer have been violated by Best Buy Franchise and I have written numerous letters to the Corporate office and have had nothing back from them. I have to continuously pay this bill that I AM NOT RESPONSIBLE FOR so my credit isn't compromised. I am asking for help from the CFPB to exercise my rights as a consumer for fraud charges that Best Buy will not remove from my account. I should not be responsible for charges that I did not authorize nor received. 
The police report number for this dispute is XXXX from XXXX, Ca Sherriffs Department.

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 2018-04-15
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XX/XX/XXXX. I informed XXXX in XX/XX/XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XX/XX/XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by three collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second was XXXX out of XXXX, IL. I wrote certified letters to five executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XX/XX/XXXX, I would have to go to court to get this. I just received another letter and several phone calls from a third collection agency, XXXX XXXX. This is NOT verifying that I owe the charges they claim. I want this harassment from XXXX and XXXX to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance 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 2019-07-14
Company: CITIBANK, N.A.
State: MN
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 a vacation package with XXXX XXXX. The package was for airline and hotel in California. We arranged for our own entertainment. We purchased tickets for XXXX XXXX, rent a car for the 5 days, purchased tickets to the California XXXX XXXX, XXXX XXXX, etc.. total {$2500.00} spent. In addition to the over {$3200.00}, we paid for the package. 
When we arrived to the airport, XXXX told us that they were operating on a reduced schedule due to a personel issue ( mechanic was on strike ). They say the next option was to fly on Monday evening. This was Saturday XXXX XXXX We told them that it was unacceptable and we couldn't afford to miss our trip ( the kids were.looking forward to this trip for long time. They are XXXX, XXXX and XXXX ). We asked if they could put us on another airline. They said they don't work with other airlines. We asked for them to refund us our money so that we can go fine another airline. They say the refund will be processed within 45 days. We went ahead and ourchased ticket on XXXX and travelled the same day ( a little after XXXX XXXX  ). 
When we came back I disputed part of the charges related to the airfaires adn asked for a refund trying to avoid double charges on my bill ( we try to pay off the balance every month to avoid the high interests ). When I submitted the claim for {$2100.00} ( exact amount we paid for the tickets with XXXX, they denied it and refunded XXXX {$1200.00} ). Since then I have been trying to have City Bank handle this complain but they refused. 
Please 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 explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXXXXXX  you have caused me. My information was also impacted by the Equifax data breach  and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am being harassed for {$740.00} that was paid to the original creditor but this company keep harassing me. They are using different names same address but different suit numbers.MIDLAND CREDIT MANAGEMENT, INC AND MIDLAND FUNDING LLC SAME COMPANY OF CROOKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was contacted over 12 times by this company repeatedly and I asked them to cease and desist communication, they contacted me from different phone numbers and left threatening voice messages that they would send information to the Credit Bureau that would effect my credit if I didn't pay or contact them at a certain 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 2018-06-08
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been leasing a New Honda CRV XXXX since XX/XX/XXXX. I signed my contract at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The finance company is American Honda Corporation. I have been late on payments due to financial hardships. When I first received to car I was married and working. During the time of my lease I became divorced and unemployed. I still continued to make my payments although they were late. Honda would charge me a {$25.00} late fee which is stated in the contract I signed. I became a XXXX XXXX XXXX in XX/XX/XXXX and recently XXXX  on XX/XX/XXXX. I informed Honda on several times that I was unemployed and a student that's why my payments are always late. They always said we will note the account. In XX/XX/XXXX I missed 3 months of payments they informed me by letter and phone call that there was repossession out for my car. I ask them what I can do to stop the repossession they stated I can pay 2 months and I have to western union the money. I did. The car wasn't repo then. On XX/XX/XXXX I  called to tell them I will make a payment on next Wednesday which XX/XX/XXXX. They agreed. They repossesses my car on XX/XX/XXXX without notice. I only have seven more payments left. They told me the only way I can get the car back is if I buy it for {$21000.00}. I ask is there another option. They said they would have to review another option which was I would have to make my account current and pay all the late fees and have a XXXX balance and the repo fees I agreed I could get that done. they said my account has to be reviewed and they will get back to me in 1 to 3 business days. I got back to Honda and they said I was not eligible for option one due to my late payments. That I will have to buy the vehicle for {$21000.00}. I would have to take out a personal loan and send them a check by XX/XX/XXXX and still pay repo fees. I feel like I had no choice so my mom took out a loan and its not going to clear in time for XX/XX/XXXX. I ask them for more time they gave me until XX/XX/XXXX after I sent them proof of the loan. I ask them for a written agreement stating they gave me until XX/XX/XXXX. They said the can't but they noted the account. That was on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: JPMORGAN CHASE & CO.
State: TX
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: Problem with product or service terms changing

Complaint:
To '' ATTENTION CHASE CREDIT CARD MANAGEMENT OFFICER_ FRAUD ACCOUNT NUMBER ENDING.. XXXX as of XXXX at a previous residence in the state of GA. WHEN I WAS IN BRANCH ON XX/XX/XXXX ; I WAS ADVISED DURING THE OPENING OF A PERSONAL BANK ACCOUNT WITH CHASE THAT I HAD A PROFILE WITH THIS " SLATE '' CC WHICH WAS WRITTEN OFF IN THE YEARS BTW. XXXX XXXX? UNCERTAINLY I HAVE NO KNOWLEDGE OF THIS ACCOUNT AS REPORTED TO XXXX ON XX/XX/XXXX. I HAVE BEEN ASKED TO WAIT AT LEAST 90 DAYS FOR COMPLETE REINVESTIGATION. IN THE MEANWHILE, I HAVE NOT RECEIVED THE LETTER DOCUMENT OF STATEMENT ABOUT THIS AT MY CURRENT ADDRESS ON RECORD ''. 
CONSEQUENTLY, I WAS DENIED A FREEDOM CHASE CC BECAUSE CHASE IS LISTING A VERY LOW CREDITSCORE W/ ENROLLMENT AS I HAD LABOROURED TO ACCOMPLISH A CLEAN SLATE THAT IS NOT REFLECTED HERE WITH THESE ACTIVITIES ''. 
" ADDITIONALLY, I HAVE BEEN ADVISED THAT MY NEW ACCOUNTS ARE UNDERGOING CLOSURE AFTER OPENING ''. CAN YOU LOOK AT THIS MATTER INFLUENCING MY FINANCIAL BANKING RIGHTS TO MANAGE MY MONEY WITH A BANKING INSTITUTION, NAMELY CHASE BANK, J.P. MORGAN ''. 
FRAUD COMPLAINT TO CORPORATE MANAGEMENT, CHASE BANK :. " MY DEBIT VISA CARD ... .HAS BEEN CLOSED TO TELEPHONE BANKING. IT IS LINKED TO MY PERSONAL ACCOUNTS. I WAS ADVISED THAT ALL ACCOUNTS AND DEBIT VISA CARDS CLOSED AFTER UNDERGOING REVIEW '' ..IS THERE ANYTHING THAT CAN BE DONE ON MY PART. I PREFER TO KEEP THIS ACCOUNT ACTIVE. '' " Consequentially I was declined a new " CHASE FREEDOM '' CREDIT CARD UPON A XX/XX/XXXX APPLICATION BECAUSE OF PREVIOUS AND CURRENT CREDIT SCORE and other factors ... .. '' I have needs to utilize my account with debit card. I was advised by telephone lost agent that my account was closed after undergoing a review. I am not in receipt of any such alerts or mailed document. 
I am not understanding if both the checkings ending..and savings account ending ... ..? What about my online access to this messaging feature, would I be able to continue online access? The card ending in ... is linked to these accounts and is it the card that needs replacement?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The property is in foreclosure by the 2nd mortgage company. We have filed bankruptcy but have a buyer for the property. We have been trying to obtain the Payoff Information from Ditech Mortgage with no results. If we do not have it by XX/XX/XXXX the house will be sold at auction.XX/XX/XXXX - I requested Payoff from Ditech 's bankruptcy dept and was told it would take up to 10 days. On the XXXX day I followed up only to find out the request had been cancelled because they could not send it to me ... .it would have to go to my lawyer.

In this same time frame the Escrow company ( buyer ) was requesting the info as well. They were told that they would need the last 4 digits of our SSN 's. Gave them that, they submitted the request. This request was cancelled as well because now we were being told that they needed to submit a form with our signatures.XX/XX/XXXX - Followed up again. Only to be told that the prior requests were cancelled. They would take the request again and put a 3 day rush on it. Was also told they could ONLY send it to my lawyer. I verified the address on file. It was correct.

Escrow company ( buyer ) requested again as well. Faxed signed authorization for the request. Ditech could confirm that they could see the request, but that it was still pending.XX/XX/XXXX- Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pendingXX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Requests still pending XX/XX/XXXX - Followed up again - Was told they JUST received the request from the Escrow company onXX/XX/XXXX and that it was pending. They could not confirm where in the process the request for the payoff to be sent to my lawyer was. Was told that they would put a rush on this new request.

I am at a complete loss here. I actually have a buyer for the property and would like to get this resolved. If this does not get taken care of the 2nd mortgage company is selling it at auction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Credible Labs Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I filled out an online application to refinance my home. The company is Credible. Minutes after completing my application I received a text to my cell phone. The text said, " 'thank you for submitting a application ', 'please set up appointment with a Loan Officer ' and " if you would like to lock your rate prior to your call-text " Rate ''. I responded with the text " Rate '' to lock my rate prior to a phone call with Loan Officer and this is my complaint.

After I responded Rate, I log onto and set up a account on the Credible website. I uploaded all the requested documents ; W-2, check stubs, 1040 forms, bank statements, etc. I completed all they requested. During this time, Credible forwarded to me their documents for my signature, listing the rate at 3.25 % ( the agreed rate ), along with amount financed, new payment amount, etc. I signed all their documents and returned on website. Meanwhile, the Loan Officer scheduled an appointment, but was missed by loan officer. I then scheduled a second appointment where we both attended on phone. At this meeting the Loan Officer informed me that my Rate was not yet locked and the current rates were higher and the costs were more money. I said, " no, the rate is 3.25 % and I responded to the text I received asking for my response indicating " Rate. '' I also took a snap shot of their text to me and my response. Still, he said no. I asked for his manager and explained story. She said sorry, we can not honor that rate. However, she asked her boss and his response was also NO. I further explained that this was " your company text to me asking to lock rate with a response prior to speaking with any loan officer! '' This is unfair business and manipulating the rate in order to collect more money for processing.

The loan officer name is XXXX XXXX and his license # XXXX. His email is : XXXX XXXX XXXX. 
His bosses name is : XXXX XXXX and she has no license. I do not get the name of her boss. 

Thank you, XXXX XXXX XXXX email : 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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-08-17
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
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 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 2018-10-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have a fraud watch on my credit report since around XX/XX/2008 but not 100 % sure that the year is correct but close enough, and NO ONE is to run my credit without calling me first to see if I applied for credit. In this case I have not applied for credit from anyone in any form being loans, cards, etc. I'm XXXX from end stage of my XXXX XXXX and I'm at home on XXXX care with XXXX XXXX XXXX. I've been on hospice care since XX/XX/XXXX. First with XXXX XXXX and then I changed to XXXX XXXX.I 'm not able to apply for credit of any type nor have I been contacted by anybody about getting credit. So if there is anything you can do to put a stop to this please do so. I'm not looking for credit from anyone. 

Yours truly, 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 non-monetary relief
Consumer complaint received 2023-01-20
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 sent a letter on XX/XX/XXXX to remove these items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX is fraudulent on my credit Account # 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