BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
this address was used by idenity thieves, using my XXXX credit card and then tring to open other accounts, it is still on my EQUIFAX report. Filled out a despute form and address is still on.It was taken off other sites. XXXX XXXX XXXX. XXXX FL.XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On Monday XX/XX/2020 I received a pop up from XXXX XXXX  .... ( that I could not get off my screen ) .... stating that my computer and my bank acct had been hacked. There was a 800 phone number on the screen, I called the number P. XXXX Fax.XXXX and a man claiming to be from chase fraud division name XXXX XXXX XXXX I foolishly followed his instructions. He said I was to set up a " alias acct '' so I could safely put my money into while the fraud was being investigated. He instructed me to go my bank and not to say anything to the bank officials since the could be part of the fraud! Once there I made an overseas wire transfer of XXXX XXXX XXXX dollars .... all I had in the bank. We were planning to move to a seniors development in delaware next year with the down payment money. I put in a claim with chase and they are not trying to help, He also transferred me to two men named XXXX and XXXX XXXX that claimed to be from the Federal Reserve Bank in DC I feel like a complete fool. Is there anything that can be done to get some if not all of my money back? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Wells Fargo I called trying get this removed no luck

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 2021-04-24
Company: NCB Management Services 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: Account status incorrect

Complaint:
I previously had a collection account with NCB management as a result from XXXX XXXX. The account was settled and paid in full in XX/XX/2020. I was told if I settled the account that the account would be removed from my credit report. It is still showing on my account but a XXXX balance. This is negatively impacting my credit score. I am respectful asking that this company honors the agreement and remove NCB management from all reporting Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  all on the credit reporting agency I use. It says you qualify so click here to get the card then they all run hard inquiries 20 of them and everyone of them say no in the meantime bringing my chance to even get a non secure card off the table. I am applying for a home and I went to XXXX XXXX and XXXX XXXX and they do it too! Now my credit score is down and inaccurate. I dont know what Im supposed to do. I applied for credit my dad did too because a family member died and we didnt have cash and now I feel like Ive been hung out to dry by these people. Dont trust these sites saying you can get a card based on your credit credit karma, XXXX XXXX XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
have been trying to remove a {$14000.00} plus credit card from report that is not mine

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 2021-10-04
Company: Professional Debt Mediation, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX  XXXX XXXX and I do not have a contract with PRO DEBT plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Services is reporting a debt on my credit reports- Please accept this complaint as a formal dispute of this account and its account balance. I am requesting debt validation, a copy of the dunning letter sent, and copies of all documents that Portfolio Recovery Services has obtained when purchasing this debt. According to the Federal Law Portfolio Recovery Services needs to provide these  documents in full no later than 30 days from receipt of this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: NJ
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:
have been trying to remove a {$14000.00} plus credit card from report that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or around XX/XX/XXXX I contacted all three credit reporting bureaus about the removal of a negative item showing paid as agreed on my credit from XXXX XXXX XXXX XXXX. I advised each of them the negative account activity shouldnt be showing if the account is paid as agreed. This is false reporting or double talk. I also raised awareness that just because I dispute old items currently they shouldnt be reporting it like it happened currently as the negative activity happened in XX/XX/XXXX. It was the actual first date of delinquency of this one account. They informed me that the account reported a second delinquency in XX/XX/XXXX and that is the 7yr date they will remove it from. I informed them then that that is wrong. Reporting of a delinquency as I will show you all in the statement disclosure sent with the reports to consumers in the document section. The disclosure specifically stated a delinquent account remains on record for UP to 7yrs of FIRST DELINQUENCY ( XX/XX/XXXX ) not second delinquency. Therefore Im demanding they remove this item from my credit report as it is reporting in noncompliance of the disclosure. They all refuse to let me file a dispute about their wrongful reporting so if they dont remove it Id like to raise the awareness to the FTC of my FCRA rights. This is a violation of my right to have negative items removed in a timely fashion as well as refusal to allow me to file a dispute about it. Not the creditor because theyre information is correct. Im disputed the removal in compliance with the deletion of negative delinquent items. After all if an item is closed and paid as agreed how can it be listed as a negative item and be paid as agreed it dont make sense so clearly its bad reporting on the part of Equifax, XXXX and XXXX. There are laws and I have rights and I ask that this negative paid as agreed XXXX balance account be removed from my report as well as the other borrower on this account. This account is paid and closed as of XX/XX/XXXX. It is set to be removed up to 7yrs of FIRST delinquency and I ask that it get removed on or before XX/XX/XXXX. I dont pay nothing late and this needs to be fixed. Otherwise Id like it very much that all 3 bureaus be held accountable for unlawful reporting practices by making accounts current thats old when consumers dispute the information and not allowing me to dispute this items removal from my report,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am not sure what is happening at Equifax but I contacted them and provided the information that they requested from me about inquires, which are fraud reporting on my credit report. They told me to send the attached identity theft report but they did nothing but sent me a computer generated letter. Please look at this report & delete these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited the Florida XXXX on XX/XX/XXXX. After my visit, the hospital sent me an invoice statement showing that I owed a {$0.00} balance. 

Weeks following, a company called HRRG started calling and harassing me nearly every day. I told them that I do not know what debt they speak of that they claim I owed. The hospital says I do not owe them anything. 

They have continued to call me for the past two years, harassing my life every single day, although I have told them to stop calling me. They even made up an account number, making it seem like I have a legitimate debt when I do not. They created this account number out of thin air. 

I researched their company and found out they call and scam people. They are not a legitimate business. They steal people 's medical information. This claim has been made by countless people who have left reviews about their company, the same way I have been treated by them. They call people and claim that these people owe them money when they do not, and try to scare people into paying them money that does not belong to them. 

They changed their name from HRRG ( Healthcare Revenue Recovery Group ) to ARS ( Account Resolution Services ) around XXXX. They are still continuing to call and harass me every single day. 

A woman who called from their company even told me she's not going to stop calling me although I told her to stop calling and that I do not owe them money. 

This is taking a toll on my life, as they are calling my phone every single day from different phone numbers, sometimes even multiple times a day. 

Please look into this company. They are a fraud. They are not legitimate and they are going to continue to call and keep on scamming people if something is not done to stop them. They have already been able to change their name and identity as a business. Something needs to be done to stop these thieves from illegally calling and stealing people 's money! Someone needs to be held accountable.

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: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 Citi Costco Visa received {$2300.00} directly from my bank, but failed to credit it to my account, crediting it instead to the wrong account. This was established in a 3-way call with Citi, myself, and XXXX XXXX. It took many calls and many hours on the phone to get Citi to finally credit my account for their mistake, which did not occur until XX/XX/2020. They refuse to correct their record to show they received my payment on XX/XX/2020. I have always paid off the entire balance of my card monthly until their error. Meanwhile I applied for a vehicle loan and Citi 's internal error negatively impacted my credit score. I'm concerned that elderly or frail people would not be able to navigate the phone tree to confront this kind of apparent fraud.

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: 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: Account status incorrect

Complaint:
They reported my car as a charge-off and I have never been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: U.S. BANCORP
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
U.S. Bank has not approved my short sale package. 
The property address of the short sale is below XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX We have a buyer made an offer 4 months ago and the buyer is able to meet the their appraised value amount. It's horible to get U.S. repsonse and accept short sale. Very slow repsponse or no response. U.S. bank does not look at my sitting short sale file to approve the purchase contract. U.S. Bank DID NOT get the the short sale moving, keep dragging for 5 months. U.S. Bank really has no accountability for any deadlines. U.S. BANK HAS been really hard to deal with short sales .US Bank shareholders should fire the management immediately for getting paid and not doing their job.

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: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On the initial application a XXXX Representative, XXXX XXXX got my XXXX wrong he tried to get my credit report and claimed it was wrong on the application, but it wasn't because I kept a copy. Due to this incompetence, I requested another representative. When I requested another representative, XXXX responded " I think it's better if we end the application now. So, I asked for a supervisor. Never spoke to a supervisor, but was given XXXX XXXX. Through the application process, we have been asked over and over for the same information. Some information, I offered in the beginning of the process XXXX said they didn't need only to follow up with a request for the information repeatedly. A recent request asked for legal documentation of my wife 's social security, I'm sure it's because she is XXXX and we are a mixed race couple. My credit score is in the excellent range and my wife 's score is in the very good category. Our loan to debt ration is around 21 % and we are merely trying to get our mortgage refinanced to get rid of the mortgage insurance and a better interest rate. Our loan is currently with Wells Fargo. At this point, I want to terminate my application with Wells Fargo and receive written documentation that they have destroyed our information. Due to discriminatory practices.

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 2018-05-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Excessive debits and disputed amounts were processed by XXXX XXXX for XXXX XXXX XXXX leading to an overdraft condition on personal checking account. 
Subsequent automobile accident and XXXX XXXX outside of XXXX XXXX   Branch service area left account holder unable respond to XXXX XXXX demands directly, outside of electronic communications channels. ( ATM/Debit Card and Online Account Management ) Huntington Bank shut down all electronic account access, and secure electronic communication links between customer and bank within days of overdraft correction attempts. 
Bank refused to discuss account issues, or resumption of secure electronic communication for out of service area customer with customers authorized representative. 
Huntington Bank subsequently, unilaterally closed my checking account to detriment of customer 's credit rating, and refused all reasonable attempts to rectify the overdraft situation electronically from outside the Bank 's physical service area.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied for a chase sapphire preferred credit card that offered a promotion of XXXX .iles after spending {$4000.00} the first XXXX months. Upon receiving the card, and after they ran my credit, they changed the promotion to XXXX miles. I have asked then to honor the promotion they advertised when I applied but they will not. I then asked them to cancel the card, and reverse the credit inquiry, and they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoandDepot.com LLC withheld property taxes of {$13000.00} when closing my loans with them on XX/XX/2020. But I have paid in full my property taxes. After 30 days without refund from them, on XX/XX/2020, I started calling them numerous times to ask about the issue. It appears none of them know how to address the issue or is willing to solve the issue, only passing my call from one agent/office to another and back to the first one, or simply dropped my calls, and mails sent to them was not found as I was told.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
They TransUnion told me the information is accurate but it can't be. I feel they don't have all the information as the other credit bureaus and it's causing me to not be able to find housing because every housing pause from different credit bureaus and this is hurting 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 explanation
Consumer complaint received 2018-05-20
Company: Credit Karma, LLC
State: NY
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:
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
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:
On XX/XX/2018 I went to my Citizen bank branch in XXXX Michigan, tried to get back my money I sent to XXXX XXXX of {$300.00} because she was no longer had XXXX XXXX. I made a claim and also they recommended to call XXXX XXXX. I called the phone number of XXXX XXXX found on web but the person I spoke too instead of helping to get my money back they took following transaction of {$500.00}, {$750.00}, {$500.00}, {$500.00}, {$2000.00}, {$500.00} and {$500.00} at the same time to the person named XXXX through my debit card which was on XXXX XXXX. Immediately I called my bank same day to let them know that was fraud do not release those transactions and person I spoke too assured that marked red flag but I still need to call next business day to make sure matter resolved. But still bank released those transactions on XX/XX/2018 and bank asked me to make another claim. After two weeks I got those transactions back to my account. on XXXXI received letter from bank stated that they going to debited back those transactions because XXXX XXXX said that was valid transactions which was never valid transactions. After few days bank debited all transaction with fees. I will send all documents. Thanks.

Company response to consumer: Closed with explanation