BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: CITIBANK, N.A.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I owed XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1200.00}. They told me I could pay the debt with a credit card. On XX/XX/XXXX, I gave XXXX my Citi Card credit card number and authorized the charge to my credit card for {$1200.00}. In late XXXX, I was looking at my Citi Card account and noticed that I was charged fees and interest on a cash advance to XXXX. On XX/XX/XXXX, I contacted XXXX to find out why they put the transaction through as a cash advance. XXXX XXXX of XXXX assured me that she put the transaction through as a credit card charge ( I have an email from XXXX proving this ). I told XXXX that I would dispute the charge. On XX/XX/XXXX, I opened a dispute with Citi Bank about the transaction. On XX/XX/XXXX, XXXX notified me that it was their merchant that decided the transaction should be a cash advance and changed the transaction. In XXXX  XXXX, Citi Bank credited the charge back to my account. On XX/XX/XXXX, XXXX notified me that the cash advance transaction was credited back to my account and that I still owed them the {$1200.00}. On XX/XX/XXXX, I sent an email to XXXX with attachments showing that I mailed a cashier 's check to them with proof of mailing. On XX/XX/XXXX, Citi Bank notified me that they had concluded their investigation and found in favor of XXXX. Citi Bank said they were crediting the cash advance back to XXXX and charging me {$91.00} in fees and interest. Citi Bank stated that I had not proved that I cancelled the transaction with the merchant. That same day, I responded to Citi Bank showing that I paid XXXX separately by mailing a cashier 's check to XXXX and showed proof of mailing through Citi Bank 's secure mail system. Citi Bank responded and told me that the investigation was closed and that I can not open another dispute on the same transaction. On that same day I sent an email to XXXX asking them to credit the transaction back to my credit card. On XX/XX/XXXX, XXXX notified me that they were going to mail a check to me to refund me the extra {$1200.00} that I had paid. Citi Bank will no longer address this issue and has charged me {$91.00} dollars for cash advance fees and interest. I never authorized a cash advance transaction. I thought it would be easier to make an electronic payment through my credit card than by sending a check. XXXX never told me they would consider the transaction as a cash advance. They told me it would be a credit card transaction. I want Citi Bank to credit back the fees and interest charged to me for the cash advance transaction.

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 2018-08-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX and XXXX got a judgement against me and I wasn't even invited to the hearing. Then they garnished my wages in XXXX. I was shocked and called them. They said I owed for a student loan and there was nothing I could do. So they garnished my wages for a while and then I got laid off. Then I got a job working for the XXXX via XXXX through XXXX XXXX XXXX and I didn't want my wages garnished again, and I was scared and ignorant and called them to do a payment plan of XXXX a month. Paid that for over a year. Then I realized that I could do an excemption as I was heal of household. Called XXXX XXXX XXXX and told them that I was going to file that, and that I was not authorizing them to take payments out of my bank account anymore. They said fine, but we'll get you when your daughter turns XXXX. I also asked them to provide me who the loan was originally from. They refused to do so. Then I got a notice from XXXX XXXX XXXX XXXX XXXX showing the loan interest I had paid for XXXX. Put the two together and realized that XXXX XXXX XXXX bought the loan from XXXX XXXX. I know of no loan that I ever had from XXXX XXXX. 
Now the my daughter has turned XXXX, they are calling me again. I am starting a new job soon working for the government through a contracter. They are obtaining a Secret Security Clearance for me, and I'm scared that the fact that XXXX XXXX XXXX garnished my wages once, and may again with my new job, that I may not be able to get the Sec. Clearance, and then I will lose my job. Please HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

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 2018-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
MCM-XXXX XXXX XXXX has been harassing me by phone for 10 years and with letters for 10 years for a debt from XXXX. I have moved 3 times and they still find my address and I put them on the do not call list and they just change phone numbers that they call me from to bypass it. I was punished for this debt in the form form of a XXXX as written off income by the company, XXXX. I had to claim it as income added to my real work income and I was taxed for it! They wrote it off if they sent me a XXXX yet MCM a 3rd party company will not quit bothering me for the debt because they want for me to pay THEM! They know it is wrong because at the bottom of the letter in very tiny print it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it to the credit bureau ''. I live in Texas and can not be sued for any credit card debt to begin with! They need to leave me ALONE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: JPMORGAN CHASE & CO.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank arbitrarily closed three credit card accounts that were paid timely, often in advance, stating they were over credit limits and had received numerous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was tricked by XXXX store in XXXX, XXXX into getting a credit card with XXXX XXXX. A fraudulent credit card was opened on my name without my consent. 
Details : I was checking out at the store and paying with my debit card when they offered a 'store card ' for a 15 % immediate discount. No word " Credit card '' was used. I accepted for what I thought was a loyalty card and signed. The store manager had my debit card in their hands and was doing some operation with it our of my sight, so I did not realize they never charged my debit card and the purchase was on credit. A month later, I collected my mail and found out that XXXX subscribed me for a credit card. The mail from XXXX XXXX says that I HAVE TO shop at a store monthly or I will be charged $ XXXX monthly. I signed-in online with XXXX XXXX to cancel the card - but there is no such option. I contacted XXXX, but they refuse to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-10
Company: JPMORGAN CHASE & CO.
State: NY
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:
This complaint regards Chases failure to remove a disputed charge from my credit card for an online order that was never shipped nor received. Pursuant to Chases terms of service, customers are not required to pay for charges that are the product of fraud or mistake, so long as the customer makes a good faith effort to correct the issue with the merchant and files a billing dispute with Chase. I have taken all of such steps, as outlined below, but Chase has repeatedly refused to remove the charge from the account. 

I placed a {$2600.00} order on a Chase credit card for balloons purchased on XXXX. Though the card was charged, the balloons were never delivered. I contacted both the merchant and XXXX seeking a refund, but the parties refused to refund the money. Following the procedures outlined by Chase pursuant to a phone call on XX/XX/2018, I filed a dispute to the fraudulent charge. I then remained in contact Chase to resolve the dispute, as outlined in the attached documentation and timeline of events. Between XXXX and XX/XX/2018, I disputed and redisputed the issue at least five times ; each time, Chase rejected the dispute via a form letter. In total, I made in excess of ten separate attempts to communicate with Chase about the issue ; such communications were met with confusion, frequently misplaced records, and in one case a manager who screamed at me over the telephone. Though Chase itself was solely responsible for the protracted process, it now claims that no credit can  be provided for the charge because too much time has elapsed from the transaction date. The incident has cost me significantly due to the fraudulent charge, need to purchase the product elsewhere, time expended, and legal fees in seeking a satisfactory resolution from Chase. 

Given my diligence in addressing the issue and Chases repeated failure to respond to the problem in a satisfactory and timely manner pursuant to its obligations under its terms of service, I am requesting that the CFPB aid in ensuring that Chase remove the fraudulent {$2600.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed for XXXX dollars on the offer up using XXXX payment service and now the bank will not help me get the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We had an account with American express and was in a good relationship with them, however, as of XX/XX/18 monthly minimum payment has increases from $ XXXX-XXXX a month to almost {$300.00} and this after a request to inquiry in why monthly payment was so high and to adjust or correct. 

I have gotten no response and would like to inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA
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:
On XX/XX/2018, I received a letter from a debt collector which clearly states at the bottom of the letter that they will not sue me for the debt and they will not report it to any credit reporting agency. Yet they continue to report the debt and will not remove it despite the fact that I have disputed it with the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I found out in XX/XX/2018 that XXXX XXXX XXXX had 2 accounts in collection noted on my credit report. In XXXX, they sent me a letter about the accounts which I returned via certified mail requesting validation of each. Nothing came. In XXXX, I resent the letter via certified mail requesting validation under the FCRA, they sent a letter stating " their records are accurate and correct '' but nothing else. I returned that letter stating this was not 'validation ' under the FCRA and they must immediately remove the listed items for failure to validate per the FCRA XXXX again, they sent me a collection letter and we repeated these actions in XXXX, XXXX and XXXX. I am done! They can not validate these accounts and sending me a letter stating " Our files are accurate and correct '' is not validation, they simply can not validate and therefore must remove immediately. Thank you. I can submit backup docs upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BARCLAYS BANK DELAWARE
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:
Opened an account with Barclays Bank Delaware in XXXX. The card was closed XX/XX/XXXX for non-use ( two years of no activity ). The remarks on my credit report indicates " Dispute resolved ; customer disagrees. '' I contacted Barclays at XXXX and was told that an external company ( who they would not name ) does the reporting to the credit bureau and that's what they add when they close accounts. I explained, and they confirmed the same, that I did not have any disputes, nor did I disagree with any dispute. They refused to update my credit record, advising that I could either write them via mail or dispute the information with the credit reporting agency. I have since disputed with the credit reporting agency. This is false reporting - as I did not have a dispute or disagree with any dispute - and has resulted in a decrease of my credit score.

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 2021-07-09
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
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:
Freedom Mortgage. 

1.I had a modification in XX/XX/XXXX. Freedom purchased the mortgage from previous lender.

2. I was retiring from XXXX after 25 years at that point. I had not found employment and my retirement pay was taking 2 months to start. I tried contacting Freedom for help but was ignored.

3. I made consistent payments often double payments up until I sold the house in XX/XX/XXXX.

4. Freedom has me listed as 30-60 days late on payments consecutively from XXXX XXXX XXXX. I have contacted them to change this information and they have refused. 

5. Their refusal cost me the VA mortgage for a home for my family.

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 2018-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a charge for annual fee and within 30 days of charge appearing on statement requested in writing to cancel the card and reverse the annual fee. Bank refused saying previous month 's statement informed me that I would be charged for the annual fee. I had not seen this on the prior month 's bill, as it wasn't actually a charge, and would have cancelled the card a few weeks earlier if I had. I'm attaching the bill where I received this " notice '' so that you can see it is not something that would jump out at the ordinary person paying bills. I have not used the card and do not intend to use the card and asked for the bank to cancel the card.

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 2020-08-20
Company: ProCollect, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ProCollect is trying to collect a debt that I am not responsible for. 

XX/XX/2020, - received voicemail from Ms XXXX regarding debt placed with ProCollect. Returned call to get more information. Called the original debtor to learn the debt is my daughter 's and not mine. Returned call to Ms XXXX but office was closed. 

XX/XX/2020 - spoke to Ms XXXX to inform her that I am not responsible for the debt per my conversation with the original debtor. Ms XXXX it is my responsibility to provide proof the debt is not my responsability and that she shows I am responsible. I contacted original debtor to get copy of contract but they are unable to provide it since I am not on the contract. I requested Ms XXXX mail me a copy of the contract showing I am the responsible party for the debt. She said it will be mailed out. ( A contract was not mailed out, just a copy of the past due invoice. ) XX/XX/2020 - missed call from ProCollect XX/XX/2020 - Called ProCollect to provide a copy of the contract. I was informed to mail the contract to XXXX@procollect.com. I emailed them with the contract and a request to dispute financial responsibility. 

XX/XX/2020 - ProCollect calls and I informed them that I have submitted the contract showing I am not a responsible party and they have not reviewed the emails from the Inbox and that it is another departments responsibility to update their system. 

XX/XX/2020 - Ms XXXX called to collect the debt. I told her I already provided a copy of the contract and verified the email address and time and date the email was sent. She told me she can't check the email inbox and no one is allowed to talk to the front desk where those emails are sent. ProCollect makes it impossible to clear up false collection claims. 

Violations - My daughter 's personal financial information has been illegally/unethically shared with me as she is not a minor and I am not listed on the contract with her. 
- ProCollect is making me feel responsible for the debt in which I am on responsible for. 
- ProCollect has not provided proof of debt within 5 days of contacting me and I believe they are withholding a copy of the contract that shows I am not listed as a responsible party. 
-ProCollect is using false and misleading information to try to collect a debt from me when I am not the responsible party. 
-ProCollect continues to collect on a debt after my written communication and copy of the contract has been emailed to them via the email address they provided to me. 
ProCollect has negatively impacted my credit by falsely reporting the debt to the credit agencies.

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 2021-06-23
Company: AMERICAN EXPRESS COMPANY
State: MS
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:
There were three cards fraudulently opened in my name by my husband at the time with American Express. We are divorced now. I called in XXXX of XXXX and they refused to speak with me since my name wasnt on the cards, even though my social was used. Ive attempted disputing several times with the credit bureaus of which have been denied. I called on XX/XX/XXXX and started a fraud claim, of which they stated his name was on the cards using my social. I called back on XX/XX/XXXX after receiving 3 letters for the accounts stating the claims were denied since they stated I opened the accounts. They refused to send me any documentation each time showing his name on cards opened using my social security number, nor will they remove the accounts from my social or credit. I have explained several times that I did not open these accounts. Ive only had one card with American Express that I have paid off and closed several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate 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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted XXXX about this bill and I cant get any info without an account number. This bill on my report has no account just an amount. In order for me to assure there has been no HIPPA violation I need verification of an account number.

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