BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I had disabled the overdraft facilities so that I would not get OD charges. But I got it again. This time they said that the OD that is disabled is only valid to card transaction and not account transfers ( like XXXX ). Also, within 15 days, I got charged {$90.00} for Sustained Od along with {$35.00} OD charge. 

After calling them, they decreased {$35.00} OD charge and {$30.00} on charges but not all. The fact that they are agreeing to refund about 50 % doesn't mean that they are at mistake. 

XX/XX/XXXX Fee Rebate Dda Credit {$30.00} - {$90.00} XX/XX/XXXX Fee Rebate Dda Credit {$35.00} - {$120.00} XX/XX/XXXX POS Credit Dda Credit {$49.00} - {$150.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$200.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$170.00} XX/XX/XXXX Service Charge Sustained Od - {$30.00} - {$140.00} XX/XX/XXXX Fee Overdraft ( 1 At {$35.00} ) |eNotice - {$35.00} - {$110.00} XX/XX/XXXX Preauthorized Debit XXXX Inst Xfer - {$95.00} - {$80.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-31
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XX/XX/2020 It shows my social security was used. 
XXXX  informed me about the incident occurring. 
I have had a chase account in months due to this FACT! That I have been a victim of identity theft and fraud & not only have I lost tremendously heavy amounts of money but also energy peace of mind & mental stability!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was taken to court by Portfolio Recovery in XXXX of 2017 for an XXXX XXXX and a XXXX XXXX account that was n't mine. I told the lawyer that the accounts were n't mine but I was still told that I would have to pay these accounts or I was going to have my wages garnished! So on XXXX XXXX 2017 I made a payment of {$900.00} to the XXXX XXXX account and {$500.00} payment to the XXXX XXXX account. Also on XXXX XXXX XXXX I made an additional payment of {$100.00} to the XXXX XXXX account. I 've gone back and forth with Portfolio Recovery and the Credit Bureau for months trying to get some answers. On XXXX XXXX 2017 XXXX proved that those accounts did not belong to me and now Portfolio Recovery does n't want to refund me my money. I spoke with agent XXXX XXXX ID number XXXX in the dispute department in XXXX 0f 2017 and he told me that if the accounts came back as not mine that I would be refunded my money. Now now one will let me speak with him and keep telling my that they would never say they would refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: GREAT LAKES
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had a credit score and was alway paying my bill just great, until my idenity was stolen XX/XX/2016. I have closed 3 bank accounts -- as in closed -opened new one etc. My mail, my email, my ss cards, college transcripts, passport, passwords etc. all information stolen. My credit score dropped to XXXX. taxes are on hold now. I started a new job too during this. I am broke and working in XXXX XXXX XXXX. I have many charges which is not me. Thank you, XXXX XXXX Some person or people are being me and using my idenity while I struggle to start over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Bread Financial Holdings, Inc.
State: AR
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:
ONCE AGAIN! XXXX IS FALSELY REPRTING 2 XXXX XXXX XXXX ACCOUNTS AND COMENTY BANK XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-02
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This issue began back in XXXX of XXXX when I received a notification that my monthly payment had increased due to a over payment in property taxes that had due to a solar program loan ( HERO ) that was paid off during a refinance transaction with XXXX XXXX XXXX XXXX XXXX back in XX/XX/XXXX. I phoned Flagstar to let them know about the overpayment of property taxes in XX/XX/XXXX. I forward a copy of the revised tax statement for XXXX. They were to make the adjustment to my mortgage payment once the County of XXXX had refunded Flagstar ( {$1300.00} ). I contacted the county of XXXX  in XX/XX/XXXX and was told that Flagstar had received the refund. I then called Flagstar to verify the receipt of the refund ( {$1300.00} ) in XX/XX/XXXX. I was then told by a representative in the tax department that the refund had been credited back to my escrow account but I could not see that on XXXX, internet account and for some reason an analysis of my escrow account now would have to be done before I could possibly receive a refund ( that was two weeks ago ). I want to make sure that Flagstar keeps their word to notify me in writing what the new mortgage adjustment will be for XXXX 's mortgage statement and what amount of the refund will be returned to me. Flagstar has weak communications when changes have been made to the consumer 's loan account mostly their on-line payment system and poor and inaccurate loan information updates.

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 2017-08-04
Company: EQUIFAX, INC.
State: NV
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 am writing in regards to a private loan that is reporting incorrectly on my credit files/reports. On at least one occasion I have disputed the validity of the information being reported for this account and the dispute always comes back as unchanged and the account information being reported has been verified.
The issue was clarified in the 1996 amendments to the FCRA, which set a specific starting date that is now SET BY LAW as the last deliqency date, and not later dates, such as a DOLP.
FCRA Section 605 : ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Late Payments - Seven years from the month in which the late payment was due. If there are multiple late payments in one account item, then they will each expire individually. 
Charge-Offs - Seven years. The time runs from the date of the delinquency, plus 180 days. For example, if a payment was due on an account on XX/XX/XXXX, but the debtor defaulted, and never caught up to become current again, and the account is eventually declared a charge-off by the creditor, then the seven years reporting time limit starts running on XX/XX/XXXX, with the item scheduled to expire from his/her credit reports on XX/XX/XXXX. I have attached paperwork directly from the XXXX website that clearly shows the first late on thisaccount occurred on/around XX/XX/XXXX, but my credit files are reporting that there was n't a late on  theaccount until XX/XX/XXXX. This erroneous entry showing an incorrect date of first delinquency is detrimental to my overall credit rating and has caused me severe financial and emotional distress. My question now is how was this investigation conducted to confirm that what is currently being reported is accurate? A template response to my complaint at this point will not be acceptable. This account is not only being in-accurately reported but is also past the reporting limits based on the Fair Credit Reporting Act. If this situation is n't immediately rectified I will be forced to take further legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Aargon Agency, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.

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 2020-05-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: EQUIFAX, INC.
State: CA
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:
Hello, Upon reviewing my credit report, I found discrepancies on my XXXX  XXXX Account ending in XXXX, Opened XX/XX/XXXX, Credit Limit of {$350.00}. The report states that late payments were made in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The information is inaccurate. Payments were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. My bank reflect payments made to XXXX XXXX for the account in question. I have the banking statements to back up my claim. These late payments in question, should be reported deleted as they have been reported incorrectly. I have reached out to the company, XXXX XXXX, and all XXXX credit bureaus, XXXX, XXXX  and Equifax.The discrepancies were disputed several times over the last few months and the documentation was uploaded and mail into the Bureaus. It would seem that my compliant has fallen on death ears. This is why I have decided to reach out to you for assistance. Attached is the bank statements with payments to XXXX  XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Complaint Details So I received a {$4700.00} direct deposit early Tuesday morning like really really early so I was sleep. When I woke up I had notifications from cash app that I sent some money to someone so I get on my cash app and I have a unauthorized sent payment for my whole {$4700.00} so of course I file a dispute with cash app. They reply and tell me to answer some questions which I did. Fast forward to this morning wed XX/XX/2020 I get a email from cash app saying they are denying my claim because even tho the payment wasnt sent by my device ( and this is the only device I have and the only device I've ever used to access my cash app ) but even tho the payment wasnt sent from device apparently the payment was sent by a device that Has accessed my account before ... .and so they do not have enough evidence to get me my money back ... Wow really if someone hacks your account and you don't have cash in it at the time but you show that you are active on cash app chances are they are either going to stay logged in to your account until u get some money in it or they are going to keep checking the account until u get money in it. I had {$4700.00} stolen out of my account money that I need to take care of my family my kids I mean come on we are going thru a pandemic and cash app denies my dispute and let 's some low life hacker get away with my {$4700.00} that's unbelievable what kinda of company does that. I don't know what I'm going to do now I can't pay my rent or nothing. Oh and if someone hacks your account and they access your account more then once and then send a payment cash app will say that whatever device the hacker used is now a known device and will not help you they will deny your claim even tho they ask you what devices you have used to access your account and in my case my XXXX phone is the only device I have accessed my account with. They still will say the device that isn't yours and you have never used to access your access is a known device. I'm pretty sure they can see the IP address and device I use is completely different from the hackers IP address and device. I have contacted cash app support they didn't help so I have filed a complaint with the XXXX  now with the CFPB and next I'm going to file a complaint with my state AG and work my way up cash app chain of command and email the higher ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2020, I requested a forbearance on my home loan with FreedomMortgage under the CARES Act. After an initial delay in action on the part of FreedomMortgage,  which compelled me to file a complaint with the CFPB, a 180-day forbearance was granted and my XXXX mortgage payment was agreed deferred under the CARES Act.  In early XXXX 2020, I phoned FreedomMortgage to cancel the forbearance and issued full payment by bank ACH on the deferred XXXX payment. On XXXX XXXX 2020, I received notice from the XXXX  credit bureau that FreedomMortgage had reported my XXXX payment past due ( in violation of the CARES Act ) and this resulted in a reduction of 93 points on my FICO score and difficulties refinancing my loan through another lender on the same terms and conditions as originally quoted.

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 2020-05-22
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: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX   XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, DPT ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX  Company Inquiries XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX 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 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN EXPERIAN AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

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 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN XXXX  AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.

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 2020-10-31
Company: GreenSky, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
GreenSky , LLC. dismissed all my complaints and closed them without fully investigating the situation. A representative that I've never even spoken with before, closed my cases and claimed GreenSky did an " investigation '' on my overcharged account closed my claims, while my actual caseworker has been out of town for a week, never fully investigating my case. The representative that closed my case said I I was notified of a price increase by XXXX XXXX, and I most certainly had no idea. I have medical proof from my PCP that was faxed to my caseworker yesterday, so GreenSky did not do a full investigation. My caseworker said she would call me Monday, when she returned to the office to further investigate my case, but some other representative closed my cases without knowing the full scope of the situation. I have medical proof that I was unable and not able to come in for XXXX XXXX. There is fraud happening with GreenSky and XXXX. I'm XXXX and live off a XXXX check. The manager of XXXX was very deceptive about the pricing. She did tell me the 50 % off treatments applied to any treatments I got but it's news to me that there was a price increase. If they tried to tell me they didn't do a good job because I had no clue. Why would a person who lives off of XXXX sign up for a $ XXXX contract without being lied to about the price? I can hardly afford my bills as it is. Thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have an unverified accounts on my credit report and I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I request a Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX X 2

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