BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX has been recieving calls from XXXX XXXX XXXX claiming that he owes a debt that actually was never owed because one thing is his lawyer XXXX XXXX even called these people and they appeared to be very rude and could potentially violate FCRA. There has been some recordings saved of these messages .No action or paper work was sent to us for valid proof of debt that client management services claims he owes they said {$6000.00} but how because XXXX could not really do anything during chapter XXXX bankruptcy neither can he do anything during chapter XXXX which he is still in right now.

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 2021-04-11
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
After my first email they emailed me back XX/XX/2021 saying they received my request I had simply stated I was locked out of my account. 

Couple days later agent emailed me and told me I had to resubmit verification I did that. From there it has been no response from them emailed them again on XX/XX/2021 No response XX/XX/2021 no response I also reached out to them via all social media channels I finally found why I was locked out of my account from doing research online it was because of a charge back of XXXX dollars. I submitted a payment of XXXX dollars into my account they took the XXXX out. Then I submitted an additional XXXX to cover any fees just in case. At the time of writing its over XXXX dollars in my Binance.US account that I dont have access too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When I purchased my home in XXXX of 2018, there were two separate parcels as part of the sale, my home and a contiguous piece of land. These had two different parcel numbers under the same address with a total real estate tax amount of {$12000.00}. ( {$740.00} + {$12000.00} ). Unbeknownst to me, someone had mis-entered the 2nd smaller parcel 's number on my mortgage account for my escrow and my next door neighbor 's property was listed in my escrow account as the second parcel on my property. This resulted in the mortgage company ( Ditech ) paying for the real estate taxes for both my house and my next door neighbor 's house with the second smaller parcel on my property 's taxes not being paid properly. This error was in the amount of {$9100.00}. As a result, my escrow account was completely depleted and an escrow analysis was then performed resulting in an increase of my monthly mortgage payment from {$3600.00} to {$5500.00}. I tried several times via phone and email to reach Ditech only to receive a letter in the mail stating they had 30 days to research and resolve the problem. However, this 30 days has since come and gone.I 've just now called the tax assessor 's office ( XX/XX/XXXX ) and they have indicated that there has been no attempt to correct the error on my account. 
In the interim, Ditech transferred my loan over to another company called New Rez. They are now demanding the monthly payment of {$4900.00} because that was the last amount sent to them by Ditech as the amount I owed with no mention of this pending investigation. I have called New Rez to apprise them of the situation and sent an email requesting that this be investigated as well. This new payment was due on XX/XX/XXXX and I have a 15 day grace period to pay the amount but they told me that I would be penalized if I did not pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: AMERICAN EXPRESS COMPANY
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: Public record information inaccurate

Complaint:
I used an attorney to pay off credit card debt after divorce. I paid off American express bill of XXXX dollars in XX/XX/2016 to close account. My ex wife is trying to sell the home she was given in the divorce. Unfortunately American Express has placed a lien on the mortgage, despite the account being completely paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I followed a complaint on XX/XX/XXXX with the CFPB and received a follow up on XX/XX/XXXX letter that XXXX will be following up. I never received any follow up from CFPB orXX/XX/XXXX afterwards so I called XXXX and was told my balance was XXXX. Recently I have started getting bills again for the same complaint that I believed was resolved. 

the complaint id is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I was denied a bank account due to a fraudulent account that opened in my name with Chase in 2012. I brought in documents supporting being a victim of identity theft, police report, etc. Still denied account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a checking account with American Express Serve. I have a direct deposit from my job and a deposit from my school for my refund. I have been calling for 2 days. The first day they said by XXXX XXXX that day. When I called back they said by midnight. The next day nothing I called in the am and they said by XXXX XXXX. At XXXX XXXX I called and they said with 3 hrs. 5 hours later they tell me in another 4-5 hours. My car insurance has declined, my phone will be off. I cant buy my daughters lunch for school or my dog food. I have a lease I signed to move on Friday I have to pay that. I talked to 3 supervisors and 2 said the same thing wait, and the third suggested I borrow the money from someone. I work so I dont have to borrow money from anyone. All they keep saying its a system issue and they are working on it. The bad part is there is nothing I can do but hope this is all over soon. But I advise no one to bank with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Circle Internet Financial
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have never set up or even heard of an account called Circle Internet. This morning I was ACH withdrawn for two payments. Neither one I placed. I never made an account. There is no phone number for the company and customer service refused to respond to me. Ive never used this company and it just showed up in my checking as a charge when I had not placed this. They never got back to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: EQUIFAX, INC.
State: IL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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 received a call from Chase Bank fraud prevention department on XX/XX/XXXX, that they see some transactions done in XXXX on XX/XX/XXXX and XX/XX/XXXX at below stores using XXXX XXXX . As per Chase bank they declined few transactions as it was suspicious but posted below transactions to my account. 

{$1100.00} ( XXXX XXXX XXXX ) {$810.00} ( XXXX ) {$800.00} ( XXXX XXXX ) I immediately mentioned that charges were fraud and not done by me as I did not use XXXX XXXX  ever and was physically present in USA during that period.The Credit card was in my possession during that time. 

Chase bank removed the charges from my account for few days and reposted back the same amount on XX/XX/2021 without any intimation. Upon contacting fraud department of Chase bank they mentioned that " I was benefited from transaction '' so they charged me the amount. I provided all the facts of my physical presence in US during that time and also mentioned that this charges were fraud and I have no link tied to this. I provided my passport copies which clearly mentioned my physical presence in US during that period. Also the charges are fraud which I am being billed by Chase bank. There is no communication from Chase bank on what basis my fraud case was closed and did not provide any justification. 

My passport was under renewal at XXXX XXXX XXXX XXXX, XXXX from XX/XX/2021 till XX/XX/2021. The fraud transaction date was on XX/XX/XXXX during which my passport was under renewal process and definitely I could not travel without my passport. Attaching the same info along with CBP data for my recent US entry/exit dates. With all this proofs I decline the charges charged to my Credit card using XXXX XXXX, which I believe I am victim of this fraudulent crime held.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-13
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX XXXX. My husband XXXX XXXX XXXX XXXX XXXX and I have had a mortgage loan with LoanCare since XX/XX/2020. We always make our payment via their online service. We have not had any issues making our payment up until XX/XX/2020. On XX/XX/XXXX, I made our payment as usual. I monitor our account very closely. On XX/XX/XXXX, I noticed our payment still had not come out. I logged onto our myloancare account and noticed they had charged us a late fee and a bad check fee. I made a call to their customer service and spoke with a gentlemen ( ID # XXXX ). I explained to him that I was concerned that our account was being charged these fees in error as to we had the money in our account. We went over the my bank account and routing numbers. He said that it appeared my account number was missing a leading 0. Sidenote : I have never entered the leading 0 on previous payments. He told me everything matches up that was the only thing he could see that may cause an issue. I told him to add the zero and run the payment again. XX/XX/XXXX, I again noticed my payment had not been processed and loancare was again charging me with fees. I spoke with a woman ( ID # XXXX ), I explained everything to her and she pulled up my account. We reviewed all numbers again. There were no issues and she said that the issue has to be on my bank 's side. I called and spoke to a man named XXXX and a woman named XXXX at my bank. He pulled my account and told me there was no evidence of an attempt on my bank account from loancare and that there were no bad check fees on my account. On XX/XX/XXXX, I call loancare again and spoke with XXXX. I again had to explain everything to her and how I have the money in my account, i shouldn't be charged bad checks fees and that I needed something done. Somehow they dropped my call which is extremely frustrating after having spoke with so many different people and all i want to do is pay my mortgage. I called back and finally was sent to the manger, XXXX. I expressed my frustration and the issues i was having with trying to pay my mortgage. We again went over my account and routing numbers. She noticed the last person who put my payment through typed the number incorrectly. She corrected the issue and ran the payment through. 
Today, I check my loan account and realize again the payment has not been taken out and they are again trying to charge me fees. I am beyond annoyed and irritated now. I don't understand what is going on. I have had no issues before. ALL I WANT TO DO IS MAKE MY PAYMENTS.

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 2021-09-09
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: Account information incorrect

Complaint:
XXXX XXXX reporting XXXX open balance. This account was included in my bankruptcy and the information is not correct. I have contacted the credit bureau and it was removed but keeps coming back under a new collection agency. This is a breach and I can sue for reporting inaccurate information. 

XXXX XXXX XXXX- 3 accounts on credit that was open fraudulently. I have notified the company and credit bureau and they still placed it on my report. The account was opened not even with my social and the person changed my middle initial. One card the balance is XXXX, next XXXX, and 3rd XXXX. Please remove this accounts from my report or find out who opened them and put on their credit. REMOVE IMMEDIATELY AND DO NOT PLACE BACK ON MY REPORT. 

XXXX XXXX- XXXX- This account I have no knowledge of- Called and company keeps telling me its my account and can not provide any proof that it belongs to me. Told me to dispute with credit agency and agency is doing nothing to help me in these fraudulent cases. 
XXXX XXXX XXXX- XXXX This account I have no knowledge of. I have attempted to contact company and they fail to give me any details because I cant confirm the details on the account- So they need to remove, XXXX- XXXX XXXX XXXX XXXX - Never opened any account with this back. I dont know if this is a credit card or bank. This account just appeared out of nowhere so I havent contacted them as of yet. But I know it doesnt belong to me. So please remove. 

I havent had a job in over 2 years and no new accounts were opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
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 fraud alerts or security freezes

Complaint:
Incorrect information on your report ... companies pulled credit without following fraud alert verification on 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 2021-04-11
Company: EQUIFAX, INC.
State: FL
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
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: Personal information incorrect

Complaint:
This has got to stop, now we are going on month four, I have disputed the fact that TransUnion has me under XXXX XXXX XXXX XXXX ( the second ) when have you ever seen a lady be the second? I have disputed this several times and some inaccurate data listed on my personal credit file and I'm getting no where. They just ignore my request. Please help I have all the responses where nothing was done and still inaccurate data

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 and Transunion should not be reporting a collection on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from 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 2018-02-16
Company: Experian Information Solutions Inc.
State: SC
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 has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect XXXX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on experian shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: SC
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 has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
My loan terms for my car was misrepresented to me to induce me into buying my car. Once I realized this it was too late to cancel.

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