BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-03
Company: URS Holding, LLC
State: AZ
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 am a victim of identity theft. Someone opened a credit card account with XXXX XXXX XXXX and now the account is with the debt collection agency XXXX XXXX XXXX XXXX. I have been receiving harassing telephone calls at XXXX XXXX  daily from XXXX XXXX XXXX XXXX representatives who has been using abusive and profane language against me, making death threats and threats of legal action for a debt that dont belong to me, and is the result of identity theft. I have never applied for a credit card with XXXX XXXX XXXX. The debt is not mine and dont belong to me. XXXX XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 2020-05-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I suddenly had a purchase declined at approx XXXX EST on XXXX. I had enough credit to cover it but could not make the charge. I verified online where SUDDENLY there is a problem with my account that wasn't there 3 days ago. I saw they had my old cellphone number but I can't take it off of the account because they won't let me use my email addresses ( they have 2 ) to verify it is me - they want to text a code to a phone I don't have! I borrowed my neighbor 's prepaid emergency medical phone & spent nearly 20 minutes on the phone with synchronicity. They said they would email a link. I got the link and they wanted a video of me & photo of my ID card. They REFUSED TO ACCEPT MY US PASSPORT CARD AND MY VA VETERAN ID CARD. I called a 2nd time and they say they want to mail me a letter with a code on it WHICH MY NEIGHBOR WILL STEAL AS I HAVE NO SECURED MAILBOX AND THEY HAVE STOLEN MAIL BEFORE. So explain how a letter sent to an address that ANYONE CAN OPEN is more secure than both of my email addresses. And explain why US PASSPORT CARD and VA XXXX VETERAN ID CARD are nit valid photo ID.

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 2020-05-21
Company: CITIBANK, N.A.
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:
This account was closed in XX/XX/2020. My billing cycle is the XXXX of the month. The balance was {$4.00} which I paid in XXXX. On XX/XX/XXXX I was given a refund of {$36.00}. When my billing cycle came around and my credit report updated and shows I owe them {$36.00}. Its now XXXX my refund was never issued, my billing statement still says - {$36.00}. I called and ask why my statement isnt saying {$0.00} because its now past the XXXX of XXXX. They should stop reporting that I owe or a late payment will be posted to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To my knowledge, I was never late on my Kohl 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: WESTERN UNION COMPANY, THE
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
WESTERN UNION SCAM On XXXX XXXX, 2017 I sent three transactions of {$290.00} to my mother in XXXX Ms . I checked with her around XXXX : XXXX to see if she received the money and she told me there was nothing there for her to pick up, I then began to call Western Union customer service number printed on my receipt. I called so many times that someone actully came on the line, at that time I was told the money was picked up in XXXX Michagan. I live in Louisiana, my mother lives in XXXX Ms . I explained to the woman on the phone, that there was no way my mother could have picked up the money in Michagan. I was then informed that I had called back changed my number and authorized to have a security questioned added to the money grams because my mother had no identifycation. I was told by the lady that it would take 20days to investigate this situation. But received a call later that day telling me that my case was unrefundable becasue I was sending XXXX and not XXXX. I told the guy who called me from XXXX that their was no way that could have happened, then he asked me why I was sending this money the way I did I explained to him that me and my children all sent my mother XXXX each pay there own sending fee, so change was to be made. My mother is having a hard time and we each pitched in to help her out with her morage. I was then informed by the guy that, I should be more careful. I was looking over the receipt and I see that this same number is on my receipt as sender, I am thinking this is the guy I spoke to when sending the money. I really do n't know I just know that my mother never got the money, and we want answers since you can not call Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: SLM CORPORATION
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I notified Sallie Mae in XX/XX/2019 that I was enrolled in a university program by uploading the documents they included on their website once my university filled it out confirming my enrollment status and what dates I was likely to be enrolled. Sallie Mae sent me a generic rejection letter on XX/XX/2019 ultimately saying that the form -- their own form which was completely filled out -- was rejected for possibly a number of reasons. So after a call to them I discovered that the reason they rejected it was because the school official electronically signed the paper instead of paper signing it, even though they maintain an option to upload this document electronically and give no upfront mention of this requirement ahead of time. They have still been charging me and I have been paying them until recently when the pandemic started to negatively affect my finances. So, in XXXX of this year I had the form redone but this time Sallie Mae rejected it stating that it wasn't filled out by an authorized school official -- -even though the same information was included on the previous one as well. Requiring someone to go in person to the school, even though all my classes are online and all my other business for the school is done electronically, for a signature that can be obtained multiple ways with our technology is unnecessarily reckless and dangerous in the current pandemic. I accuse them of being predatory by refusing to acknowledge my in school enrollment on their own completed form and of continuing to charge me for loans that should've been deferred months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IC System ( https : //www.icsystem.com/ ) is calling me multiple times a day, claiming they're trying to collect a debt on behalf of XXXX. They are also calling me at night. I do not owe this money -- I have never been a client of XXXX. 

I asked IC System for verification of the debt, and they said that they could not send me verification. 

I have never had any account with XXXX. I contacted XXXX and they agree they have no record of any account under my name or SSN. They have already processed a fraud claim. 

This is the third collection agency that has harassed me about debt to XXXX. The last one was back only two months ago. 

IC System uses aggressive tactics and refuses to provide proof of debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home XX/XX/XXXX and our loan server changed. We have an inpound account. Our mortgage payment was reduced from {$2800.00} to {$2200.00}. In XX/XX/XXXX our new lender advised that our impound account was short and that our new mortgage payment would be {$2800.00}. I paid the shortage of {$3900.00} and my mortgage was reduced to {$2500.00}. At that time I contacted the county assessors office and it was determined that our lender was using a falsly inflated property value resulting in the raise in property taxes and a subsequent increase in my monthly mortgage of over {$600.00}. I submitted the county roll and figures for the lender to review in XXXX after contacting them by phone. I was reassured someone would call me back within 5 business days. After 2 weeks I called again and used the reference # provided. They had no record of this and I was again reassured it was being forwarded to someone to review again. XX/XX/XXXX, I called back due to no reply and was assured my dispute/issue was being expediated and I would hear back in 3-5 business days. I recieved no contact until the XX/XX/XXXX email, wherein I was told they were still working on the issue and again I would hear from them via an email. I called XXXX and XXXX and was greeted by a recorded voice stating that they were experiencing high call volume and to call back later. You are then disconnnected. I sent an email to the customer service person with whom I last spoke and to whom I submitted the county assessors office tax record for my property for their review. To date I have had no reply and no indications from the website that anything had changed. I paid my mortgage on time and at the inflated amount. We refinanced because we needed to lower our monthly payments. It is not okay to be denied information or ignored by this lender. What recourse do I have? Isn't this illegal? Can you help us?

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 2019-03-13
Company: Diversified Acceptance Corporation
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A medical bill was outstanding in which my health insurance covered services for. XXXX issued an appeal instructing the billing medical facility to re submit the claim but they did not receive it and placed the account in collections. The collection agency refused to acknowledge the dispute and demanded payment on two different phone conversations. Their written correspondence in this matter is incredibly insulting and discriminating by asking me to contact a rep named " XXXX XXXX ''. To me this is a business matter and insinuating I am scandalous and avoiding my personal business is highly unprofessional. Furthermore I have no idea if they have actually disputed the debt. I have contacted the insurer and original facility billing us and XXXX agreed to process the claim and issue payment. I have a valid dispute and the collection agency did not process it correctly nor communicate acknowledgement or a professional process for the dispute.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-13
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:
XXXX, Equifax Failure to fault, I have requested many times information from you, you are in fault for not replying to my request you have ten days from the time you receive these documents to reply with what I request. Equifax you state validate with no evidence on a account that ids not owned by XXXX thats { Fraud } you equifax are on notice TEN DAYS Or remove this fraud It is stated in CFPB response from legal owner to remove this account from credit report and you still report it Cfpb is being used to validate my claim against both of you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was applying for a loan I seen online and they asked for my account information with chase bank and they got all my information and scammed me and tried to do fraudulent things with the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: AL
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 A VICTIM OF IDENTITY THEFT. I AM A XXXX XXXX AND HAVENT BEEN ABLE TO KEEP TRACK OF MY CREDT. I SAW MY CREDIT REPORT AND I COULDNT BELIEVE THESE ACCOUNTS WERE ON MY CREDIT. NOT ONLY ARE THESE ACCOUNTS FRAUDULENT ON MY CREDIT BUT I ALSO HAVE INQUIRIES THAT ARE FRAUDULENT. I UNDERSTAND THESE ITEMS HOLD MY CREDIT SCORING DOWN. PLEASE REMOVE THESE ITEMS FROM MY CREDIT.

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 2019-03-13
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
PNC Bank is committing MORTGAGE FRAUD & is in Violation of a Court Order by the NJ Superior County Court. 

PNC BANK Refused to follow a Court Order Power Of Attorney, granting me ANY & ALL access to manage, make changes, sign on behalf of the borrower ( my ex ). 

The Court Order was sent 3 times by fax & Email ( Exhibit attached - emails & Fax Records ) The Consumer & Mortgage Fraud & PNC 's efforts to STEAL my property, are evident in the bank having selectively provided me with information regarding this account at times, then denying access to the account balance and variable payments required by the payee, so as to set up the payee towards a default. 

DESPITE BEING THE PAYEE MAKING PAYMENTS & HAVING RECEIVED THE POA & THE PRIOR AUTHORIZATION TO ADMINISTER THIS ACCOUNT SINCE XXXX, AND MY REPEATED FAXED REQUESTS FOR MAILING STATEMENTS TO THE PROPERTY ADDRESS, PNC HAS INTENTIONALLY IGNORED ALL OF THE ABOVE. 

NOW THIS FILE IS IN LOSS MITIGATION AND PNC REFUSES TO PROVIDE ME WITH ANY INFORMATION ON THIS ACCOUNT I have been making payments diligently on this account. 


Despite the Power of Attorney & authorization, PNC Bank has consistently denied me access to ANY information on this account. 

Further, despite receiving my check payments, with the property address listed as my address, AND despite the repeated faxed and emailed communications to PNC, to mail me statements and relevant documents, I have NOT RECEIVED EVEN A SINGLE STATEMENT, NOR ANY DOCUMENTATION REGARDING THIS ACCOUNT FOR ALL OF XXXX & XXXX YTD. 

I have made several calls to PNC customer service throughout XXXX and visited the XXXX XXXX NJ branch several times ( XXXX XXXX the issue being escalated to Executive Client Services ( XXXX XXXX - XXXX ) and PNC Legal Department. 

In the end I was informed by XXXX XXXX ( Loss Mitigation Department ) that PNC Bank WILL NOT FOLLOW THE COURT ORDER BECAUSE THE BANK WAS NOT PARTY TO IT & I COULD GO AHEAD AND FILE A COMPLAINT IF I CHOSE TO. 

Please investigate PNC CORRUPT BANK and the named staff for a resolution. 

I have been a loyal customer since XXXX and this bank is trying their best to steal my house from me, a single mother of a special needs child ... and make me homeless DESPITE MY MAKING THE PAYMENTS EVERY MONTH! I HAVE NOT MISSED A SINGLE PAYMENT SINCE STARTING IN XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to know where I can go to get help with Wells Fargo Home Mortgage. I was wrongfully foreclosed upon in XX/XX/2013, I believe I am part of the group of home owners that Wells Fargo foreclosed upon due to a computer glitch. I believe my account was reported incorrectly and would like some guidance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Investigation took more than 30 days

Complaint:
I filed my complaint with TransUnion XXXX on line. 

I have not received any information from TransUnion since that time. I have considered filing it via mail but am concerned it will be rejected because it would be the same complaint with the same information and thus considered frivolous.

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 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX;XXXX/XXXX XXXX;XXXX/XXXX XXXX XXXX XXXX XXXX;XXXX XXXX XXXX;XXXX/XXXX XXXX XXXX;XXXX XXXXXXXX;

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 2021-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I madd a {$1000.00} payment And told the pond rep test tgd payment id for XXXX and XXXX Problem is the Citibank customer service is in XXXX XXXX and XXXX they all have language problem do t XXXX XXXX fluent Ingush dont know how to go things They call here demand payment I blocked theirs phone Charge late fee MADD my account past due which I am not paid {$1000.00} payment Made my account delinquent which my account should not be delinquent after {$1000.00} payment Deliquent is when no payment made for months

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 2019-08-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX left a voice mail on my phone saying if I didn’t call back and make myself available at certain times so that they could come serve me, they would come to my work and serve me. I called them back and they told me if I didn’t pay them $XXXX right that second for an old Wells Fargo credit card, I would be sued, taken to court, would have to pay more than the $XXXX plus court costs, etc. Basically they told me they were going to destroy my reputation and destroy my image and never leave me alone. I was crying and scared and freaked out. Now, I feel like I’ve been scammed and ripped off for $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 2019-11-11
Company: ID Analytics, 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: Information belongs to someone else

Complaint:
I'd like to report an identity theft in my credit, there are inquiries and an accounts that do not belong to me .Please help me to remove these items from my credit report, they have cause great harm to my ability to get credit.

Company response to consumer: Closed with explanation