BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX appointment on XX/XX/XXXX. I was contacted by United Consumers , Inc. in XXXX via mail stating that I owed four payments of {$28.00}, {$310.00}, {$81.00}, {$42.00} respectively. I contacted the company and was told the debt was for said XXXX appointment. I then contacted the XXXX who reported that the charge had long since been paid off, first by me and the outstanding balance by the insurance company, and that the last two charges were erroneous. I reported this to the company and told them to sort it out with the healthcare provider. 

I received another mailing on XX/XX/XXXX for the same charges and when I called ( took 4 calls to talk to a representative ) I was told that the XXXX had said the charges are still in effect, in direct contradiction to what was told to me. In addition, none of the charges listed above are reflected by the original co-pay statement of my insurance. 

I believe that this company is attempting to force collections on non-valid debt despite their knowledge that the debt is void.

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 2019-01-25
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Apartment complex I previously lived at imposed a debt long after I had left. They stated there were damages to the property. There is no proof in receipts of work done or actual damages. I am requesting to have this collection removed and dismissed. This is a tactic by apartment rentals to nickel and dime. I left the apartment in excellent condition.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX child and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also TransUnion and XXXX are reporting new hard credit inquiries from XXXX XXXX  XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.

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 2020-02-21
Company: CITIBANK, N.A.
State: CA
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:
In XX/XX/2019 while I was on vacation out of my home state of California, I was the victim of credit card fraud on my Citibank credit card. I had vacation notifications set with Citibank, listing the places I was going.I was available by phone at all times. I charged my airline tickets, hotel reservations and rental car on the Citibank credit card. At no time while on vacation was I contacted about activity on my account in California while I was in South Dakota and surrounding area. When I finally was contacted later in XXXX, I disputed the fraud charges then I waited until XXXX to hear back from Citibank that I was liable for the fraud on my account because the charges were " chip enabled ''. I tried in vain to explain that, that was not correct, one charge, for example, was an online movie rental, impossible to charge by chip. They would not listen to reason. When I tried to contact Citibank I was told since the case was closed. They no longer would discuss it on the phone but I could submit further documentation by mail. I sent a series of both registered and regular mail letters and never received a response. I went to my local branch and was told they could not help me. I appealed to the bank manager who gave me a new phone number of a " supervisor '' named XXXX XXXX, in the fraud department. She listened to my story, told me that the decision was " set in stone '' but she would get back to me and I have never heard from her again. I contacted XXXX XXXX for assistance and they told me to file a police report which I did. This was submitted to Citibank. When I called to follow up with my case I was told they never received the police report. When I asked if they wanted me to resend it they said that wasn't necessary because their credit cards can not be duplicated. It was sent again anyway after the fax number was confirmed to be correct. I am now getting collection calls because I did not pay the fraudulent charges and my FICO score has been affected. I can not reach anyone who will look into the details of my case and see that it is impossible to make charges in 2 different states on the same day. Citibank only ever gave me one credit card which was in my possession at all times. Clearly it is possible to duplicate their  card because it happened. I need to get these charges and accrued interest reversed from my account. I am obviously not using the card any longer.

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 monetary relief
Consumer complaint received 2020-05-07
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$890.00} COLLECTIONS XXXX {$590.00}

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 2018-08-14
Company: JPMORGAN CHASE & CO.
State: VA
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:
XXXX refunds are never credited back to the account so the balance never changes that the benefits no one but XXXX and Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: ADP, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I called Global Cash Card on XX/XX/2018 to check my balance and noticed my money was not available so i spoke to customer service and was advised of recent transactions in which i did not reconize 2 transactions for the total of XXXX I didnt understand how this was possible as i have the card in my possesion and I do not give out my pin #. The customer serive rep took a report and said someone will contact me. I recieved a letter onXX/XX/2018 from the dispute dept stating no error found. I called customer service once again and was advised to write a letter asking for records as to why or how tjey found no error so i did I recieved a response on XX/XX/2018 stating they finalized thier investigation and no error was found so once again i called customer service and was told there is nothing they can do the complaint was finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Prosper Marketplace, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PROSPER is deducting money ckecking account. I have them to stop there transfers, but they keep on doing it. 

{$2500.00} a month e

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 2020-02-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I called Wells Fargo Home Mortgage a few times on XX/XX/XXXX. I wanted to Recast or Re-Amortize HAMP Modification Mortgage, that was started on XX/XX/XXXX. My HAMP was not the typical HAMP with up to $ 10K in principal reductions over the first 6 years. I explained to WFHM that my HAMP Reduced my principal balance from {$200000.00} to {$160000.00} in just the first 3 years! A Principal Reduction of {$45000.00}! The next and final principal reduction will be on year 6, a reduction of {$5000.00}.

The 3 WFHM agents I spoke to gave Only 2 options ; ( 1 ). Wait and Hope that the Lender will send a letter saying that I am eligible for a re-amortize of the loan ; ( 2 ). Recast by putting $ XXXX Down on the principal balance! 

I said, there as been Over {$45000.00} principal reduction already, over 2 Times the of the Recast $ XXXX WFHM requirement in the last 3 Years! My WFHM monthly payments would be Drastically Reduced and be beneficial to me at XXXX years old. I need my payments based on a new Balance of {$160000.00} rather than the Original balance of {$200000.00}! They would Not offer any other assistance or remedies for my situation. 

This HAMP program has setup to provide assistance for those people, like me in XXXX, bought a home and weeks later, found out the Great Recession was in full force and many people like me, lost our jobs and became job seekers over XXXX years old. Unable to find adequate employment and had relinquished our savings, the HAMP program provided a way modify mortgages to remain in our homes.

It's under these financial stress circumstances, with my HAMP Modification and it's Principal Reductions of {$45000.00} in just the first 3 Years, that Exceeds WFHM ' Recast ( $ XXXX ) Minimum cash down on principal, that on My Request Only for a Re-amortize of the loan, the Re-amortization should be performed. 

The Re-amortization of my HAMP would only further my efforts to remain in my home and fulfill my obligation to completely pay off my home loan in the future.

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 2019-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
I received my credit report from XXXX and discovered hard inquiries on my credit report that should not have been there. I only allowed for XXXX XXXX to run my credit through Capital One. XXXX XXXX and XXXX XXXX  had no permission to run my credit. I was just shopping around. I have submitted a complaint once before. I contacted both companies and they swear that did not have a department to handle those types of situations. XXXX XXXX at Capital One worked my FIRST complaint and respectfully declined to removed those unauthorized inquiries. I figured since XXXX is a privileged male living in THIS America, he wouldn't actually investigate the case. I was then advised to contact my State Attorney : consumer protection sanction to report both companies AND XXXX XXXX from Capital One. I completed that complaint today and I have faith that the State Attorney : consumer protection sanction will work their hardest to get fair treatment. PLEASE publicly post this so the people can be aware that XXXX XXXX and XXXX XXXX in XXXX, LA with run your credit without permission and that XXXX XXXX from Capital One will not do a through Investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Citizens Bank ( Citizens Bank is a brand name of Citizens Bank, N.A. ( NMLS ID # XXXX ) decided to reissue my debit card because they were informed that a merchant I used in the past may have been prone to a data compromise. I received this information in a letter date XX/XX/XXXX, so I called on XX/XX/XXXX to learn more. 
Citizens refused to provide me with information as to who the merchant was and whether or whether not my account was compromised. They told me that information was confidential, and they are not obligated to share that information with me, their customer. 
As they acted on information related to my account, I dont see how this information could be considered confidential and not shared with me, the customer. The Citizens representative said that they were trying to protect me by being proactive, which I appreciate, however I again wasnt given any information as to where this potential data breach happened. 
I was then told that Citizens doesnt want customers calling merchants and accusing them of not adequately securing their transaction data. I noted that seems like Citizens is trying to protect itself, not the customer. 
If a merchant that I used was compromised and shared that information with Citizens, I should be able to also receive that information, so I can choose not to use that merchant going forward. Withholding information from its customers is a serious issue for Citizens and my hope is that you can help address this action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Our home was flooded during Harvey and was a total loss. Finally the County has bought us out ; however, this home is still showing up on credit report. This has messed up our credit and need this fixed before we can get a new home. This has been the longest two years of our life and are just trying to get this to move along so my kids can get in a home before another school year starts.

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 2020-02-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
please see attachment

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 2019-01-25
Company: EQUIFAX, INC.
State: MD
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:
Credit bureaus are reporting these addresses on my credit reports but they dont belong to me.I reached out to each credit agency, equifax, XXXX  and XXXX  to have them removed but they are still showing. 


XXXX XXXX XXXX XXXX, MD XXXX Address XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX, MD XXXX-XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: CITIBANK, N.A.
State: VA
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:
I used my Citi Bank credit card to book flight tickets on XX/XX/2018 at XXXX XXXX EST. The round trip itinerary was from XXXX to Washington DC. The transaction amount shown was {$1200.00}. On XX/XX/2018 I realized that I used wrong dates when making the reservation. I requested a cancellation on XXXX XXXX website at XXXX XXXX EST on XX/XX/2018, and then I did receive the cancellation confirmation from XXXX XXXX XXXX ( the Merchant ) stating that they had received my request. 

On the Merchants website it stated that Notwithstanding any contrary booking terms and conditions and/or fare rules, for online bookings made via our US Website, and seven days before departure, you may cancel the paid reservations within 24 hours after purchase for a full refund in accordance with our refund process set out at Changes, Cancellation and Refund. 
I contacted Citi Bank and opened a dispute on XX/XX/2018 regarding this charge as I hadnt received refund from the Merchant.

Citi Bank asked me to provide supporting documentation, I submitted the booking confirmation email as well as the cancellation email, both sent from the Merchant.

Citi Bank then contacted the Merchant but then declined my dispute as the Merchant told them the tickets were non-refundable. 

According to Department of Transportations rule ( see : https : XXXX ) as well as being stated on the Merchants website, the tickets I bought were eligible to get a full refund.

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 2020-02-21
Company: TRANSWORLD SYSTEMS INC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. Im relatively young and was montering my credit report. Everything was fine and my score was steadily going up. I did notice that i had one negative account that was in collections for a XXXX dollars. I havent recived any correspondence or phone calls for that matter. I found out by checking my credit report which is a shame especially when Im young and Im trying to establish good credit. contacted the debt collecting agency gave them {$40.00} and tell them to set up a payment arrangement they said they would and then that was it but it still showing that I missed a payment is showing that I have a derogatory public record now this kind of XXXX is why people get so upset when people try so hard you can see on my other accounts are just fine paid on time and now Im going to have an uphill battle to try to get my credit score back up and I dont even know if its legitimate because I had two health insurance at the time so did they even bill the health insurances also XXXX  always collects copays or any other money upfront that insurance wont cover! Why because there for profit! and not very Efficient professional and will never go to them again

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JTM Capital Management, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Yes. JTM Capital Management in New York purchases old debts, including credit card debts, payday loan debts, etc. They never send letters verifying the own the debt. They use horrible debt collection agencies who call you and pretend they are going to serve you papers and try to scam you out of money you don't have by threats. JTM Capital Management is a horrible company who outsources to debt collection agencies who have illegal practices trying to get money. They need to be watched. They use XXXX XXXX XXXX in New York and XXXX XXXX XXXX in Florida-both who consistently use illegal practices to collect debts. They call and pretend they will serve you papers and never do and never send any documentation. Horrible, horrible, horrible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation