BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-05
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have requested that U.S. Bank allow me to opt out of overlimit fees on my account, as I understand we are allowed to do by law. I sat across from a branch manager to make this request in his office, and he told me that I can not opt out of overlimit fees on checking. They regularly allow " subscription services '' to charge without authorization. I have tried to cut off all these " subscription services, '' but I feel like I am constantly getting hit with overlimit fees regardless. I note that I have recently gotten an overlimit fee for a bank transfer. Again, I have asked them to simply deny the transaction, and they have said they will not do so for my checking account.

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 2021-11-27
Company: LOBEL FINANCIAL CORPORATION
State: NV
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:
this company is furnishing false information on my consumer report. I have reached out this company many times about this fraudulent information. All they have said is that the account was verified which is impossible this car was never taken from me an the balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
A XXXX XXXX  credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with Transunion, XXXX  and XXXX and they have failed to remove this from my credit report. I am making a formal complaint with TransUnion, XXXX and XXXX  for failing to due there due diligence to respond to me and correct my reports.

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 2020-08-23
Company: Capital Accounts, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complaint is in regards to reported medical collection being reported to all 3 credit bureaus. 



Collection Account : Capital Accounts LLC Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Amount : {$400.00} Under the Fair Debt Collection Practices Act, I have disputed and requested validation from all 3 credit bureaus regarding the alleged debt on multiple occasions. XXXX  deleted the account as validation of the debt was unavailable. The collection remains on my report with the other 2 lenders and continue to be verified as accurate despite request that proof of verification of debt be provided to myself. Another certified letter was sent to both XXXX  and XXXX  on XX/XX/XXXX regarding the matter, again disputing the information. On XX/XX/XXXX I contacted the debt collector of the alleged debt ( Capital Accounts LLC ) to obtain information regarding original creditor and validation of alleged debt. Information was with held from me as I was told the could only tell me the doctors name and amount owed.They did not tell me the clinic of the provider, or number to reach them at. I requested validation of debt and was told it would be requested from the original creditor to provide to myself. How are they verifying this debt if they have never received anything but the amount they claim I owe? I was told they would send me information regarding the visit Such as procedure completed and breakdown of charges in 1-5 business days. It has been 7 business days since and I again have not gotten proof of verification of this debt that continues to be verified with each dispute. As a medical collection, this is a violation as I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Capital Accounts LLC to obtain my medical information. 

This account was deemed as unverifiable by XXXX  when previously disputed. Please DELETE this medical Collection from my credit report as is not mine, has not been verified on multiple occasions as requested, and is a direct violation of HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have an account with Chase Bank in NY. 

In XXXX, two transfers were made through XXXX XXXX without my authorization. 

XX/XX/XXXX - XXXX $ XX/XX/XXXX - XXXX $ I didn't even know what XXXX XXXX was, until I saw these two transfers. The robber gained access into my bank and E-Mail accounts. I don't know how. He clearly hacked my computer, because Chase Bank says that the person who registered in XXXX, did so using my device and my E-Mail account. 

Chase Bank refuses to retrieve my money because of this reason, although I warned them about it on XX/XX/XXXX ( they claim they retrieve your money if you warn them in two days or less ). I closed my account right away and opened a new one on Tuesday ( XX/XX/XXXX ), because Monday was holiday. 

I also changed my E-Mail and formatted my computer. 

Chase Bank initially gave me my money back with temporary credits, but after finishing their investigation in early XXXX, they declined both my claims and took the money back, claiming it was me the one who made the transfers, because the robber used my E-Mail and my device. That's the same as claiming I robbed my own house, because the robber used my keys.

I complained about it, so they reviewed my claims. After one week, they concluded the same : it was me. So, they refuse to retrieve my money. 

I'm very frustrated. I searched about it on the Internet, and apparently it's not only me, but thousands of people getting robbed in the same way. I found many similar cases in XXXX. 

Chase Bank refuses to protect its clients, if robbed through XXXX XXXX. 

XXXX :  XXXX XXXX : XXXX XXXX : XXXX Scammers are robbing people en masse through XXXX, because it's so easy, and because Chase Bank refuses to do anything about it. 

I hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: U.S. BANCORP
State: MI
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 has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: Experian Information Solutions Inc.
State: NE
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:
XXXX XXXX has different balances being reported to each of the 3 credit bureaus. In addition, they also have a charged off ststus for this loan yet also report late payments every month since 2012. I have made numerous attempts to disute this inaccuarate information as well as even offered to pay XXXX XXXX to delete it and they along with the credit bureaus refuse to help. It is scheduled to fal off my credit this year but they should remove soiner since the information being published is grossly inaccurate. An account can not be noth in a charged off status which is a loss to the company, as well as late payments. If the account is closed/charged off then late payments do not apply. If the account is open then it cant be charged off. They have been reporting this innaccurate information for over 6 years now and noone will help me to resolve this issue. In addition the balances are also inaccuarte and even differ between vcredit bureaus.

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 2022-01-07
Company: Eagle Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XXXX I received a notice that a case had been filed against me by Eagle Loan and they were represented by XXXX XXXX XXXX Firm in XXXX, XXXX I had not one time ever received any notices/calls from Eagle about this issue. When I received this notification I reached out to the law firm to see what I could do. I have been waiting to get a response and nothing... I have attached all the emails where no one will assist me with this. 

Case number 2021 CVF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Dear honorable Cfpb good morning as much as possible I dont want to used my excuses that Im a XXXX XXXX home owners due to my passed XXXX XXXX XXXX with XXXX XXXX XXXX XXXX to my XXXX, Ive been with TRIAD FINANANCIAL since XX/XX/XXXX and never been late my payment, I changed my XXXX XXXX XXXX checking account last XX/XX/XXXX and have a new checking on line I always do an on line payment through this mortgage, last XX/XX/XXXX I enter my on line payment in XXXX XXXX XXXX  to my checking and it went through, I left the country last XX/XX/XXXX, when I came back last XX/XX/XXXX, I received a letter saying Im late in my mortgages, and what questioned me is if theres is a problem to my payment they should call me because Im still here in America, I spoke to the supervisor XXXX XXXX XXXX XXXX XXXX and he is very rude and discriminated me, because Im XXXX he told me called an attorney and hang up on me what I told him is if I could not pay the delay fee and its {$1500.00} and he never give me chance to talk and told me to hire a lawyer because he will report me to credit bureauw threaten me And my XXXX XXXX XXXX XXXX because I had a XXXX where I got it from my travel I hope that he will be investigated he threatens me like an animals and never late in my payment I recorded my conversation with him

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I filled out an online application for a new checking account after receiving numerous direct mail advertisements from Citibank. On XX/XX/XXXX I completed application # XXXX. The application, in addition to personal questions, requested information on how I would fund the new checking account. I gave another checking account with the routing number as well as the requested password to my XXXX XXXX XXXX checking account as it requested. I have now called the XXXX phone number I was given after completing the application 3 times. All I am told is that a letter was mailed on XX/XX/2019. I have requested a manager on my second call and the call was disconnected after a 10 minute hold, and then I called back a few days later and someone told me a manager would call me back within XXXX hours. This never happened either. Today I called and again was told that they are unable to share anything related to the application and that a letter was mailed on XX/XX/2019. I have not received this letter as of XX/XX/2019 and explained that they still have my XXXX checking account information and that I am no longer comfortable with them having this information being as they are unwilling to assist any of my reasonable request to understand what is going on with my application.. At this point I need someone who can communicate what is going on to contact me from Citibank so I can withdrawal my application.

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 2019-11-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX. 

I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out. 

It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My checking account has been compromised 2 times. the first time the bank refunded some but not all of the charges. I was forced to eat about XXXX dollars in charges I never authorized from XXXX. the other day someone charged XXXX dollars in airline tickets while i was working. I was hung up on with chase and I've been transferred dozen of time. I want my funds back in my account and I want my funds to remain safe. I want the original as well as the new amount refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX XXXX  XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: NEW CITY FUNDING CORP.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX has a serious delinquency debt on my credit report for {$6600.00}. I disputed this as I have never had a XXXX wireless account. It was not removed. I contacted XXXX. They said the decimal is wrong and they have it for {$66.00}. I told them I have never opened an account with them. They told to call a collections number as sent to an attorney. I called the collections 4 different times now. I sent in the fraud paperwork. They will not return my phone calls or resolve issue. My credit shows history that I dont leave Bill 's unpaid and pay timely. I am seeking help and have tried so many different avenues. It is fraud and I have never used 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 2022-08-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022, I, the consumer, acted in good faith when I applied for an extension of credit through CBNA XXXX XXXX, creditor. Upon submitting the application, consumer did not receive an immediate approval, which prompted consumer to contact CBNA XXXX XXXX via phone to discuss this denial error. XXXX, who did not provide a last name, an authorized representative for CBNA XXXX retrieved the phone call at around XXXXXXXX XXXX on XX/XX/2022. XXXX asked me the nature of my complaint, I explained to her the nature of my complaint was a violation of my rights pursuant to the EQUAL CREDIT OPPORTURNITY ACT.  Consumer explained to XXXX, who confirmed CBNA XXXX XXXX is governed by the EQUAL CREDIT OPPORTUNITY ACT ; that this is a violation of 15 USC 1691 ( a ) ( 3 ). I, the consumer can not be discriminated against for exercising my right ( 15 USC 1602 ( l ) - credit is a right ). CBNA XXXX XXXX committed fraud by using my credit card without authority and cardholder ( consumer ) received no benefit. There's an inquiry on my consumer report to prove the fraud

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: 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 status incorrect

Complaint:
XXXX XXXX XXXX is being reported inaccurately on my report. I contacted XXXX XXXX to advise the about a hardship due to covid 19 and that I would be paying the car off within 2 months ... .They agreed not to report late payments due to this hardship due to the pandemic. and I in part held up my end of the bargain and paid the car off last month. I need them to delete the late payments that they reported as we had an agreement and this was cause by a pandemic. also they are still reporting a balance on my report and have not updated since XX/XX/2020 ... please help me

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: BARCLAYS BANK DELAWARE
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
***XX/XX/XXXXI placed an order with XXXX XXXX XXXX . I have dealt with this company for many years. 
***XX/XX/XXXX The payment of {$330.00} was paid on my Barclay Bank Visa to XXXX XXXX XXXX . 
XXXX tried delivering the package before the store opened ( new driver ). We asked XXXX to hold our shipment and we would pick it up, they agreed but an employee mistakenly sent it back to XXXX XXXX XXXX. The tea company was going to reship it immediately back to me but it was left in their warehouse by mistake. I then called Barclay Bank to hold the funds because it was approximately two months since placing the order. 
XXXX XXXX XXXX XXXX  reships the order. I called Barclay to release the funds. 
XXXX I called XXXX XXXX to say the order arrived, they said they had not received their money. I assure them that Barclay Bank said they would release they money. I had placed several calls to Barclay Bank asking why it was taking so long to release funds to XXXX XXXX XXXX. 
XXXX I called Barclay after hearing from XXXX XXXX XXXX to tell them they had STILL not receive funds. The representative said he recommends I give them a different credit card because Barclay Bank already refunded me back the money. I them took the advise and gave a different credit card to pay for my merchandise. 
XXXX Barclay charges me for {$330.00}. I call them and they explain they have deposited it back to XXXX XXXX. I tell them what the last person from Barclay Bank advised regarding giving a different credit card so would they please refund my money back to me. He tells me to have XXXX XXXX XXXX write a letter stating their side of things and fax it to Barclay Bank. 
XXXX XXXX XXXX XXXX  sends me a letter stating all the facts. 
XXXX I fax the letter to Barclay Bank . 
XXXX I called Barclay Bank and spoke with XXXX  . He said to wait because it may take time to decide whether they would return my money back to me. 
XXXX I receive a letter from Barclay Bank refusing to return my money and the representative said the returned it to XXXX XXXX on XX/XX/2020. I called Barclay Bank, spoke with XXXX and asked to speak to a supervisor but like the MANY past phone calls I have made, I get disconnected! 
XXXX I called the Accounts Receivable and Credit Manager ;  XXXX XXXX whom I have dealt with all along to ask once again if they received back the {$330.00} as Barclays insists. She again said no. 
XXXX My husband said to call a branch of Barclay Bank  because I was having such difficulty in communication. I called the branch in XXXX XXXX, CA. The man whom I spoke with said, There is no one to speak with, no one at all.

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