BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HELLO, I HAVE CONTACTED CITIZENS ONE LOAN ABOUT MY UNPAID PROPERTY TAXES AND ESCROW ACCOUNT. ON XX/XX/2020, THEY SENT A PAYMENT TO MY PROPERTY TAX AUTHORITY, BUT UNFORTUNATELY, THEY MADE A BIG MISTAKE AND SENT IT TO THE WRONG PROPERTY PARCEL ( WHICH IS NOT EVEN MINE ). I HAVE CONTACTED THEM NUMEROUS TIMES FOR THEM TO FIX THIS AND THEY HAVE FAILED TO DO SO. EVERY TIME I CALL, I SPEND AT LEAST 1HOUR AND A HALF WAITING FOR A SUPERVISOR AND NOONE IS EVER AVAILABLE OR CALLS ME BACK. EVEN AFTER THE REP SAYS THEY WILL CALL ME. ALSO EVERY TIME I CALL I HAVE TO EXPLAIN THE SITUATIONS BECAUSE THERE IS NOT EVEN A CASE NUMBER. ALL I GET FROM THEM IS THAT THEY ARE STILL INVESTIGATING. I HAVE CONTACTED THE TAX AUTHORITY AND THEY HAVE EVEN PROVIDED A WEBSITE FOR THEM TO VERIFY MY PARCEL. I FINALLY WAS ABLE TO SPEAK TO A SUPERVISOR AFTER MOPNTHS AND SHE WAS LITERRALY RUDE AND SAID THAT IT WAS NOT UP TO HER. I ASKED FOR HER TO PLEASE ESCALATE THE ISSUE AND IS BEEN 4 MONTHS AND THIS HAS NOT BEEN RESOLVED. I DO NOT KNOW WHAT TO DO ANY MORE. JUST FOR THE RECORD, CITIZENS BOUGHT MY LOAN WHICH MAKES IT EVEN MORE FRUSTRATING AS I HAVE READ ONLINE ABOUT MULTIPLE PEOPLE HAVING THE SAME ISSUES. I AM HONESTLY OUT OF OPTIONS. 

XXXX XXXX XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have PayPal account A with Bank account in my name synced to it. I send $ X from my PayPal account Ato My PayPal account B. Then from B I send money to my mom and wife. Well these guys decided to freeze everyone for 180 days. Then after telling me what day I could access my money they reversed funds from my mom and wife back to. B and then from B to A. How can they touch other accounts? They called it fraudulent but it wasnt it was my bank. They messed up and dont want to admit it. If I only had X amount of $ it shouldnt of let me send anything over that. Please help me. Also I sent in all requested paperwork in a timely manner too

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 3 days I have received calls from my ex-wife, her mother, and her sister stating that an American Express representative was contacting them to collect a debt which I understand is against the law. They are not allowed to divulge why they are trying to get in touch with me. Not only is this defamation of character with are also contacting individuals I'm not even related to. I would like to stop immediately or I'm going to take legal action and I figured this was the best route initially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello i received a notice that my account was gon na be a XXXX spending limit and i wasn't happy about it and i was a victim of identity theft and american express dont give a XXXX about and this is my second compliant i flied because i didnt get a phone call from the higher office and i cancel the card due to them not looking into restore my pre set spending limit and i called again they told me they couldn't restore my account due to my score is low and its at XXXX which is incorrect and my information was stolen and i send the documents over to the credit dept and my bank statements and my tax returns and i recived a phone call from the credit dept and saying they got the paperwork and they told me they will get back to me in few days to restore my account and i still havent heard from them and i did provide them my identity theft report and they also received that to all of this on XX/XX/2018 they called me on XXXX and told me that my account will be restored in few week i dont know if this a lie or what and each time i reapply they dont put a inquiry on it just pull a old experian report and my score went up by 46 points as of XX/XX/2018 i want american express to look into it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been getting continuous communication from XXXX XXXX XXXX for a debt I do not owe. They are trying place a judgment against me for XXXX  XXXX XXXX card that I do not owe money on. Ive contacted XXXX XXXX XXXX and spoken with several individuals including the manager. I have a XXXX balance and the account is so old that all information has been purged from their system. I received a judgment from XXXX XXXX in 2017. Court date was scheduled and because the plaintiff failed to appear ( XXXX  XXXX  XXXX ) they dismissed the case. I now receive another letter from XXXX XXXX XXXX XXXX for another judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Ive notified TransUnion via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. With each request, TransUnion only sent me a credit report stating that the accounts were verified. The FCRA says that TransUnion has to provide me with the information used to verify the account in question. FCRA says its required by law to verify through physical verification of the original signed consumer contract, any and all accounts thats listed on my credit report. Ive demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported. TransUnion has continuously ignored my requests & has continued to report the unverified negative information on my credit report. FCRA states that unverifiable accounts must be removed and if the company is unable to provide me a copy of verifiable proof, they must remove the account.

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Not sure of the dates, but i received several overdraft fees.

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 2018-07-31
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
First, I am a father of XXXX beautiful children and lost out on several houses due to the lack of communication, the unprofessional communication, and the misinformation provided to me by Navient. I currently have over {$230000.00} in school debt ( from XXXX and XXXX XXXX ). Last year, I was attempting to obtain the necessary information from Navient in order to qualify for a house mortgage. I needed documentation from Navient to provide to my mortgage banker to verify the amount of mortgage I could afford. My mortgage broker can confirm, that I spent several hours each week on the phone with Navient trying to obtain the correct information. It took several weeks to obtain the correct documents, which in return caused me and my family to miss out on qualifying for a mortgage and missing out on houses. The lack of professionalism and misinformation from Navient also caused the financing rates to increase ~1 % for the housing mortgage. Both myself and my mortgage banker attempted to obtain the correct documentation and loan repayment information from Navient. I even recall on one occasion, the Navient representative was threatening to hang up on me because I asked to talk with her supervisor. I can go on about how horrible my experience was and is with Navient, but words can not express how much sleepless nights I have had because of Navient. I even asked about loan consolidation to help save me money and was told I was not able to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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: Was not notified of investigation status or results

Complaint:
I have sent out 2-3 letter asking XXXX to verify and reinvestigate the Bankruptcy they say is accurate and also has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: SandP Solutions, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I connected with someone on XXXX who had a profile as an instructor at the XXXX XXXX XXXX University in XXXX, Florida and who later went on to say that he was being sent overseas again by the CIA on an undercover assignment for our country. He also said he had made me his sole contact and that his " handler '' would text me information to send to him once he was in XXXX so that he could access the ASA/FMC account and send money through to my credit cards so I could take out cash advances and send them to him via bitcoins for him to conduct the project he was sent on assignment to do. Money started showing up in some of my credit card accounts and I was eventually sent a " promissory agreement '' on what appeared to be real CIA letterhead so I went forward sending bitcoins to him thinking I was helping not only him but our country. Eventually it became clear that it was a scam after all of the money sent through to my credit card accounts was sucked back out after I sent him the funds and did a couple of other things he asked me to do with the money sent through. So I let Bitcoin of America, the bitcoin company that I had purchased all of the bitcoins from and had them sent into the wallets he sent me, by filing a request for assistance from them online so I could get either the money or actual bitcoins back in my possession. They have never responded and that is what this complaint is about. Because I have had no help from them or the credit card companies ( which I will file separate complaints about ) I am stuck with approximately {$100000.00} in debt. 

Here are the dates and amounts of the funds sent through to him via Bitcoin of America : XX/XX/2020 -- {$17000.00} ; XX/XX/2020 -- {$4000.00} ; XX/XX/2020 -- {$7500.00} ; XX/XX/2020 -- {$4500.00} ; XX/XX/2020 -- {$7000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5000.00} ; XX/XX/2020 -- {$5900.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$6000.00} ; XX/XX/2020 -- {$3000.00} ; XX/XX/2020 -- {$1600.00} ; XX/XX/2020 -- {$1600.00} ... total = {$58000.00}. I am missing the receipt for another smaller amount I sent through on XX/XX/2020. 

The remainder of the debt I incurred involved him having me send a cash transfer to a bank account of someone in Texas that he said was a bitcoin escrow account, buying 5 XXXX and sending them to a shipping company in Illinois that he said would sell them and send him 75 % of the proceeds as bitcoins and 5 or 6 gift cards, 3 of which he had me send the information through to someone who was supposed to be his software developer updating his cell phone software and 2 of which he had me send through to him while he was allegedly on his way home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: CITIBANK, N.A.
State: FL
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:
CITIBANK REFUSES TO GIVE ME ACCESS TO MY OWN ACCOUNTS CREDIT DEBT CHECKING! THEY ALOWED THOUSANDS OF DOLLARS OF FRAUD OUT OF MY ACCOUNTS AND THEY TOOK MONIES OUT OF MY ACCT ON AN AUTO PAY WITHOUT MY AUTHORIZATION! WHEN ARE YOUGOING TO DO SOMETHING? THEY OWE ME THOUSANDS OF DOLLARS FROM FRAUDULENT CHARGES AND CHECKS THEY LET OUT OF MY ACCOUNTS THAT WERE NOT AUTHORIZED! THEY REFUSE TO PAY ME BACK! ITS MULTIPLE ACCOUNTS! DEBT, CREDIT, CHECKING ACCOUNTS, SOME ACCOUNTS ONLY XXXX XXXX AND SOME ACCOUNTS ARE JOINT WITH MY MOTHER 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 2021-03-29
Company: Kinum, Inc., Indianapolis, IN Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company called me today and attempted to force me to disclose personal information while refusing to tell me who they were. They would not tell me what their company is and why I was being called. I was told numerous times that they didnt have to tell me anything, arent legally required to tell me who they are, and would only tell my lawyer who they are. They were aggressive, blatantly rude, and very dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: ERC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today I learned your organization has reported a balance of {$770.00} for an account I am unfamiliar with to the credit bureaus. I am not certain where this debt came from and would like to find out more about it. Please provide proof of debt by means of original billing statements and any contracts relevant to the account which show I assumed financial responsibility for this account. In the past my credit report has been merged with that of another and I have also been the victim of identity theft, so it is imperative I know the origin of all debts. Please provide proof of debt within 15 days of receipt of this request. If you can not furnish proof of debt, please request the deletion of this item from my credit report immediately. 

Additionally, you have reported this account opening in XX/XX/2019. While I am not familiar with the account or balance you are seeking to collect. I am certain I did not acquire any kind of account with such a balance in the month in which you are reporting the opening of this account. It appears as though you have re-aged an account to make it appear newer than it actually is to cause maximum damage to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Ditech Financial LLC
State: IN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX Di tech financial is trying to collect old bad debt on a home that I lost 17 years ago to foreclosure. 

XX/XX/XXXX I wrote them back certified return receipt that the debt was no longer valid. 

XX/XX/XXXXToday I receive a letter with no description of what they are trying to collect on. Included was a ditech account number and only that they were trying to collect a debt? 

I want these people to stop and to close my account number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Around or about XXXX, second or third I Lost my usbank relia card @ XXXX XXXX. I canceled my card and asked for a replacement card. When I received the new card I was unable to activate it. Relia card services told me to fax in my vital statistics to verify my identity. On XX/XX/2020 I faxed the verification from the library. Later I was told they didn't receive it. I faxed it again and again. I was told it wasn't legible. So I mailed it in. And they are still not releasing my pandemic unemployment assistance in the amount of {$1400.00}. it is now XXXX. I have been hung up on and talked to very disrespectfully. Now customer service is saying I have to send them a XXXX or any of my tax information then I informed them that I'm on pandemic assistance. I don't have a XXXX. I didn't make enough money to file I only made {$100.00} XXXX {$150.00} a month getting XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A card services company should not be asking for my tax information anyway. Then they want me to take a selfie with my id held next to my Face but the web site is bogus and also ask for your card number and pin number ... I'm behind in rent and utilities and can really use the help to them to release my pandemic assistance

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 2018-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple hard inquiries that I don't recognize from these consumers XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: JPMORGAN CHASE & CO.
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:
Chase reported mortgage delinquent between XXXX and XX/XX/2017. This 90 day delinquency caused credit to score to drop dramatically

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I submitted a CFPB complaint regarding my account. I still have not heard back from chase. Today XX/XX/XXXX my account was unexpectedly closed by Chase without explanation. Previously I submitted a different CFPB complaint on another Chase account and the same thing happened. Roughly 2 weeks after filling complaint Chase closed the account. There is a clear pattern of abuse by Chase retaliating for customer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was mislead by XXXX XXXX and was under the impression that they were helping me to reduce my monthly payments on my federal student loans. Instead, they were charging me for services that I was unaware of, leading me to believe that my monthly payments of {$100.00} were going towards my federal student loans. I have been under this deception since XX/XX/2017 and I am in the process of requesting a full refund and cancellation of my membership with XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: JPMORGAN CHASE & CO.
State: PA
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:
In XXXX of 2020 I decided that I needed an additional credit card. I researched on line for the best cash back credit cards. Several websites listed the Chase Freedom XXXX card as one of the best. The promotional info included a {$200.00} cash bonus if you charged and paid {$500.00} in the first three month of receiving you credit card. I applied for and received the Chase Freedom card. After two months I met the {$500.00} threshold however I only received a {$150.00} credit. When I noticed this on my statement, On or about the end of XX/XX/2020, I called Chase about the discrepancy and referenced the marketing promotion when I applied for their card. The Chase call center person I spoke to said they would forward my complaint to their marketing department. On XX/XX/2020 I received a very boilerplate letter from chase saying that my account isnt eligible for the new offer I requested. This is a blatant falsehood because it was promoted when I applied for their card. I did call Chase customer satisfaction group to voice my complaint again to no avail. Basically this was false advertising.

Company response to consumer: Closed with explanation