BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-25
Company: CITIBANK, N.A.
State: PR
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:
Multiple charges were made on two different credit cards i have. These charged were in the amount from 1k, 2k and 4k from unrecognized merchant in XXXX. Clearly fraud! 

My position is clear i didn't approve these charges as these are fraud. 

I have contacted Citi Bank in multiple occasion and they haven't been able to solve the issue nor provided evidence supporting their position.

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 2021-02-01
Company: AMERICAN EXPRESS COMPANY
State: NC
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 have send numerous of documents including my police report and identitytheft.gov documents. I have sent to XXXX XXXX XXXX, AMEX, XXXX, XXXX AND XXXX 
I have gotten letters phones calls and report still showing on my credit profile. 
From XXXX XXXX  and other collection agency seen like AMEX keep sending report between 3 didferent agency. 

Now i got this letter stating they wont honor my documents because a payment was made from 2 bank account that i have no knowledge of no do i deal with them. 

This is voliating my right and all of 15 USC code

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
portfolio recovery XXXX is calling me trying to find someone else and wants me to relay messages. They call me everyday. Its not my issue or my problem they are harassing me over someone else old debt. When they call they ask if so n so is there when I say no they hang up. Today I called them back and told them no one lives here by that name stop calling me. But every single day they call same thing over and over again. I tried blocking their number then they use a different number to call me.. Its like non stop ... 
XX/XX/2019 XXXX I dont have all the numbers they call on. but its everyday

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: WA
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:
Two years ago I filed a dispute with Experian regarding a vehicle that I had given back to the lender due to my spouse losing his income. Even though I disputed it, Experian allowed XXXX XXXX to keep reporting the vehicle as a bad debt for five full years. Recently, I received a cashiers check along with a letter of apology from XXXX XXXX for their error. Experian still refuses to remove the offending account from my credit report. 
To add insult to injury, I noticed that when I applied for a loan with my credit union, that Experian has several different credit scores for each consumer ; one for us to see, that, in my case, shows XXXX, but the one they gave my credit union was XXXX? I went to their site to try to ascertain what the issue is and was forced to pay for the privilege. They charged me {$10.00} on XX/XX/2020, then they charged me {$5.00} on XX/XX/2020 and finally they charged me {$16.00} on XX/XX/2020. When I called to find out why all the charges, I was informed that consumers need to pay EACH time they want to look at all the scores Experian has for them. It is time that the Federal Government reign in these PRIVATE organizations that have so much control over our financial lives.

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 2018-02-09
Company: Experian Information Solutions Inc.
State: MO
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 have previously disputed several erroneous credit unquiries on my Experian report. THERE WAS NO WRITTEN CONSENT GIVEN. Under the Fair Credit Reporting Act experian must investigate and verify disputed items. Simply saying they are valid inquiries without actually looking to the matter is NOT SUFFICIENT. These are the inquiries, I have not given written consent for these inquiries as the law requires for them to be authorized : BK OF XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
capial one unlawfully closed my a/c # XXXX = w/o legal justification, and w/o due process of law = my a/c was paid in full & i was in full compliance with my a/c terms = they XXXX discriminated against me, because i am a XXXX american & a supporter of president trump

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed some unknown hard inquiries on my account from the source : XXXX XXXX on the dates : XX/XX/ XX/XX/XXXX XX/XX/ XX/XX/ I called the company numerous times and they constantly told me I needed to call XXXX  and XXXX  says I need them to handle the matter. The company is giving me the run around and I no longer can deal with the stress of no one trying to solve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: EQUIFAX, INC.
State: WA
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 have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to rez mortgage from XXXX. Then rez mortgage wanted to tell me I was behind when I wasn't so I emailed my bank statements to prove I wasn't and they still haven't fixed it. I haven't paid XXXX, XXXX, or XXXX because they'll put it on the months I do not owe. I have the money to pay but I don't want them to come back and say I'm still behind. I have contacted them numerous times and also asked to speak to a supervisor. I had to pay my homeowners out of my own pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions 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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. 

Very Respectfully, 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 2020-01-25
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have both a checking and savings account with XXXX since XX/XX/2018. When I set up my saving account I was told that I needed to keep a minimum balance of {$300.00} in the account or set up a recurring transfer from checking to avoid a {$5.00} per month fee. However, no matter what I do I am still charged this fee and I need to keep calling in the bank to get this fee reversed each month, despite following the rules and keeping the balance above the {$300.00}. I was told by branch employees and customer service that their policy was to keep charging the fee perpetually until the account was drained, hoping that customers wouldn't notice. 

I also have been prevented from setting up recurring automatic transfers from my checking account because the bank 's policy is to ignore the Americans with Disabilities Act by not allowing someone like me who is XXXX to walk into a branch and set this service up with a face to face meeting with a manager or over the phone with customer service. Their policy is to not help any customer who can not " look at their computer screens to see what the banker is doing to the customers account ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a credit card with XXXX XXXX with a credit limit of {$2500.00}. I opened the account back in XX/XX/2017. I used most of the credit limit but never going over it. I have made payments totaling {$2100.00} in the first 9 months of having this card, at this time my pay off amount is {$2900.00}. It is incredible that their interest and fees could be this much. I requested to have a payoff amount and they denied it. I can't believe a credit card company is able to get away with this. It is worst than a loan shark.

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 2018-03-28
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Thank you for reading this email and hopefully you can assist me in this area. I have student loans from XXXX XXXX XXXX XXXX XXXX XXXX, which are serviced by American Education Services disbursed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These loans total approximately {$25.00} and I have been trying real hard since I retired in XXXX of XXXX to continue to make these monthly payments. Unfortunately I have run into financial difficulty, now on a fixed income and have called A.E.S.to arrange a lower payments. I was informed that I have to write letters to the lenders of these loans, which was completed asking both lenders to lower the monthly payments. I received replies of " unable to grant your request '' from both lenders. I again called A.E.S. again to find additional solutions and they tried to get me a " Modified Graduated Repayment Schedule '', which also was denied. I have run into a brick wall with this situation. I have offered to make lessor monthly payments to continue to pay something on these loans where the extra money will assist me with my mortgage payments. The only option they offered was a 'Hardship ' for one ( 1 )  year, which to me does not help the issue much, and to re-finance the loans for 25 years. I ask for help and guidance in this matter and look forward to addressing my concerns about how we as a Country struggle with defaulted student loans when the lenders of these type of loans fail to help the borrowers when in need. Again I look forward in talking with someone from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have several hard inquires from companies Ive never applied for nor even know of. I reached out the credit burea as well the grantor to investigate and they continue refusing to remove these inquires and even show proof of this.

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 2021-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This complaint is regarding Equifax not investigating the data I have sent them regarding a debt that XXXX XXXX XXXX claims I owe. 

I have opened 4 complaints with equifax regarding a debt that is attempting to be collected by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating they don't have any documentation regarding the debt, and they will not be reporting this debt to the credit agencies. This was after I combed through medical record to see if I'd ever visited this facility and contacted my medical insurer XXXX to see if anything had been submitted to them. 

I have filed 4 disputes with Equifax providing that letter, my original letter from the collection agency, with the certified mail receipts from each. Equifax has closed each of these advising that I owe this debt. Those dispute numbers and dates are : Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX ( After I received letter from collection agency stating they would not report to Credit Agencies and  provided that to Equifax ) Dispute # XXXX opened XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Each of these disputes were closed stating that Equifax found that the debt was mine. I contacted Equifax via phone this morning asking what data they had been provided to support the debt was mine, and I was advised they have received nothing from the collection agency. 

They did acknowledge they had received the previous letters I'd submitted from the Collection Agency stating they would not be pursuing this matter until they could provide additional documentation. Equifax closed each of these disputes without reviewing the 7 pages of documentation that was submitted with the dispute. 

The response this morning was to open another dispute : Dispute # XXXX I was advised they would investigate again and put a note on the account that I have previously provided documentation and it was on my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I still do not understand about the floating {$800.00} that my attorney office sent carrington llc to pay for payment i did not miss.that {$800.00} should of have been sent back to me, me and my representative went over my payment, i begain in 2019 XXXX until XX/XX/2019 and we found no missing payment. 
please refund my money. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX telephone:XXXX fax:XXXX loan:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Synovus Bank
State: TX
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:
First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark. 
This happened once before and fortunately I caught it in time to send a hand written invoice with payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I received a letter dated XXXX XXXX 2020, stating that my account would be closed. After careful review from the Fraud Department it has been determined that nothing ill was found and any remaining balance would be refunded in the form of a check mailed to current billing address. 

Account summary shows that a closing debit of {$3900.00} on XX/XX/ 2020. And account has been fully closed. But I have yet to recieve my balance check. And after many calls to the company I've been meet with nothing but resistance.

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 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Transunion had an issue with their reporting system. They had deleted inquires from my credit report then they reinserted them. I was never notified that any of this took place. Not until I pulled my report again. I want the following inquires removed from my report I am a victim of their credit inquiry issue. I spoke to a representative who refused to remove the inquiries. The following need to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2018-03-28
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
About 7 months ago i lost my job i did find another job but make less money when this issue first happened XXXX and XXXX at XXXX XXXX in XXXX tennessee were amazing they were kind and worked with me to help me from falling farther behind by allowing me to pay {$40.00} per week which i tried my best to do and often did but when i wasnt able they were kind and worked with me recently i went in to pay {$100.00} on my payment and a woman named XXXX whom I have never dealt with was very rude and refused my payment during this visit I also requested to XXXX at the front desk that my wife be removed from my references and not called because i didnt want her knowing my financial business and she told me she didnt want any more calls from them I work in a job where it is very hard to answer the phone and my schedule makes it difficult for me to go to location and i do not have a bank account so i can not make payments over the phone since then I have received at least 10 phone calls per day from XXXX and XXXX with many calls being from their personal cell phones i have the call logs to prove it one day XXXX caught me at a rare time i was able to answer by calling me from her cell phone she apologized for XXXX 's attitude and said she would work with me I requested that XXXX no longer work my account and she said she would make note I told her I would try to bring in money the following business day but my son ended up having a doctor appointment to see a XXXX XXXX and I could not make it and the money I had set aside went to another bill since they wouldnt accept my payment I have inquired about hardship or refinancing to help me catch up and nothing has been offered to me today I have yet again received multiple phone calls with several from cell phones and my wife who was no longer supposed to be receiving calls from them received 3 phone calls I called XXXX the manager to  try and resolve this issue and he did not care about my complaint he just wanted to know when I would be in.

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