BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I spoke with XXXX and later Supervisor XXXX of Citibankabout my completion of the reqirements for a XXXX XXXX XXXX miles offer I had accepted. They said I could not qualify because i didn't make " 2 Qualifying Bill Payments '' in 60 days. My statement shows I did.! 2 water bills.XX/XX/XXXX and XXXX XXXX. Their fine print says " Qualifing bill payments are those made using Citibank Online which I did. This is fraud and a scam. I want my XXXX promised miles.

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 2021-02-12
Company: Johnson Mark LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have 2 credit cards on my credit report one in which was garnished and I was told was satisfied but now its back on my report how ever both credit cards debts are over 6 years old which is the Oregon statue of limitations to pursue such debt. They said it was too late and was sent to be garnished which is against the statute of limitations.I would like for this to stop abs be removed immediately as its affecting my credit score. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: WESTERN UNION COMPANY, THE
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I wen t to purchase money orders for my XXXX and XXXX insurance and beacuse of the poor customer service i decided to cancel one of the money orders purchases before it was executed. i handed over the teller {$2500.00} upon cancellation she gave me back {$2400.00}. i called to inquire about my missing money and i was given sarcastic disrespectful attitude over the phone and was told that its store policy that i must count my cash in front of the teller. Is it store policy to con your customers. Im sure i will never get back my money but i want corporate to know the kind of people they have representing their brand. i was just stolen from and there is nothing i can do about it. the address of the the western union is XXXX XXXX XXXX in XXXX, XXXX thank you and hopefully at least someone reads this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29
Company: FISERV INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter I owe XXXX XXXX XXXX XXXX Tele Check Services , inc {XXXX} The Collection company is TRS Recovery Services. 

I am XXXX and haver never owned a tractor and live in an apt . 

TRS Transaction # XXXX Reference Number # XXXX They keep asking for my personal information SS # & Bank Information

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 2022-08-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I don't understand why it indicates late payments when I thought I never paid my debts late. This is absurd! I've never made a late payment on a loan. Additionally, the account is displaying false information. The dates of opening, last reporting, and last activity are false!

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 2021-09-04
Company: EQUIFAX, 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:
I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Ditech Financial LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage company took over my account and immediately started attempting to charge me late fees for my payments. When I would call to dispute such charges the representative would tell me that month 's payment was applied to the prior month and that I was a month behind. I have never missed a payment and have all of my bank statements and cancelled checks to prove such. Each time I inquired which month they claimed was missing no one has ever been able to tell me. The burden of proof is on them to prove this false accusation.I have refused to pay any of these " late fees '' as I do not owe any. I have continued to pay my monthly mortgage and have been doing so for 26 years.I also always mail my payments 7-10 days early to assure they arrive by the due date. This company is a predatory mortgage company and have deliberately mismanaged my account in an attempt to gain extra funds from me and in the recent weeks threaten me with being in default. They have cashed recent mortgage payments and not credited me and have deliberately held my payments and cashed them after the due date in the past in order to charge me a late fee. Again, I always mail my payments early enough to arrive before the due date. There is no way such payments arrived late. This company also has sent offers in the past to " wipe away '' all late fees if I refinance with their company.This would cost thousands of dollars and leave me with a higher interest rate than I currently have. This again shows their predatory nature and what their true intentions are. This company has over 12,800 complaints with the CFPB and should be highly investigated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: EQUIFAX, INC.
State: ND
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:
There is fraudulent accounts on my report. I have asked for them to supply me with the contract I have with these companys. I have asked for them to show me the original contract with my wet signature. And said audit trail. They did not supply me with that information nor did they remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
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:
Upon working on our taxes on XX/XX/XXXX, we discovered 32 withdrawls from our checking account, to XXXX XXXX, on the dates of XX/XX/XXXX and XX/XX/XXXX, totaling {$380.00}. 
I did some research and looked at all of our households XXXX IDs. I found the charges for in-app purchases for the game called XXXX XXXX XXXX 2 over a three day period from XX/XX/XXXX- XX/XX/XXXX. I believe these purchases were accidentally made by my XXXX year old son. These purchases were unauthorized and quite excessive. I did not receive notification or emails regarding these purchases, nor did my bank flag these purchases as possible fraud. 
As soon as I discovered these unauthorized purchases, I contacted XXXX to ask for a refund. The XXXX rep, XXXX, tried to reverse the charges but said she could not do it because it had been more than 90 days. She recommended that my bank might be able to help me. I called my bank and they were unable to help me, since they said they tried to do a chargeback to XXXX, but that this would not work as it has passed the 60 day period that XXXX guarantees. I contacted XXXX XXXX, developer of XXXX XXXX XXXX, which had the hidden in-app purchases. XXXX XXXX  told me they can not help me, and only XXXX can help me. 

No one will help refund my money and I feel like this was excessive, fraudulent, unauthorized ... 32 charges to my bank account over 3 days, at almost {$400.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-06
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an account through XXXX XXXX for a store credit card. In XXXX, my total balance due on the account was {$75.00}, due on XXXX/XXXX/XXXX. I paid that total amount due of {$75.00} on XXXX/XXXX/XXXX. Today, XXXX/XXXX/XXXX, I received notification through a credit monitoring service that I have that something had been reported on my credit report. I discovered that XXXX XXXX reported my account as being delinquent. I called XXXX. The first person I spoke to said that my account had been charged a finance charge after my XXXX payment, but it was an error and the account would be put back to a zero balance. I said that my main concern was that this has now been reported on my credit report. He said he did n't know what I could do about that other than contacting the credit bureau, but he would transfer me to their customer service department. The gentleman in customer service told me that the previous gentleman had misinformed me. He said there was no error on my account, and that I was charged " trailing interest ''. He said that they can charge this additional interest even if the account is paid in full by the due date because this is their new way of calculating interest. I said there is no way that they can charge interest on a balance of zero dollars. He said that in light of the situation, he would attempt to have this removed from my credit report, but it would take at least 35 days and there 's nothing he can do about that. He said that I should be receiving something in the mail to document it. In addition to them charging me interest on a XXXX balance, I went back through my emails, which is how I receive all my communication regarding this account, and I have never received a single email from XXXX stating that I had a balance due, a past due balance, or that my account was in a delinquent status. I receive emails from them about every other kind of activity on my account, so I find it odd and unsettling that I received no notification of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: General Motors Financial Company, Inc.
State: AK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
ON XX/XX/XXXX I CONTACTED GM FINANICAL BECAUSE MYSELF AND HUSBAND NOTICED WE HAD A LATE PAYMENT SHOWING ON OUR CREDIT REPORTS FOR XX/XX/XXXX. 

I WAS INFORMED THAT IT WAS INCORRECT AND IT WAS A DEFERRED PAYMENT AND SHOULD NOT BE SHOWING A LATE PAYMENT. IT WOULD BE UPDATED IN ABOUT 30 - 45 DAYS. 

XX/XX/XXXX IS STILL SHOWING AS A LATE PAYMENT. I HAVE REACHED BACK OUT TO GM FINANICAL AND DISPUTED IT WITH THE 3 CREDIT BUREAUS AND IT STILL HAS NOT BEEN UPDATED. 

I ALSO SENT A FOLLOW UP EMAIL TO XXXX XXXX FOR THE XX/XX/XXXX AND XX/XX/XXXX. I HAVE YET TO HEAR ANYTHING BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I checked my credit report this new company is now showing up under collections and I have never heard of them before. Company name MIDLAND CREDIT MANAGEMEN and its list twice. First amount {$1400.00}, second amount {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2021 awarded forbearance for 180 days with no late fees, charges or amount owed back during time or forbearance. My credit report states I missed my payments XXXX XXXX XXXX The payments due were {$0.00}. {$0.00} was paid. Yet I am reported late and delinquent for those months. Also, all those months during forbearance the accrued amount has been added up and on to my total mortgage loan amount. In the statements it says no interest fees will be charged ; no amount will be added or need to be paid back yet every month they charge me or add on to my total. This is misleading and falsified information. Now XX/XX/2021 I am on a loan trial payment that is less than the monthly amount reported on my account and was paid in XXXX but not changed or updated on my credit report

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 2022-08-05
Company: Convergent Resources, Inc.
State: MI
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:
XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place.

They are reporting negative information on these reports.

15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.

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 2022-08-05
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:
I feel taken advantage of since my disputes are being ignored! I have previously contested this account, as I can tell you are reporting false facts. The date opened, date of last report, and date of last activity are incorrect!!! You fail to verify this account even further!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On the morning of XX/XX/XXXX I went shopping at a XXXX XXXX on XXXX and XXXX XXXX and XXXX XXXX XXXX, later that day Between XXXX I stopped at chase on XXXX XXXX XXXX to take out XXXX for my rent I got on the train after I got off on XXXX XXXX XXXX XXXX walked to XXXX to my mother house and at XXXX I received a chase text alert I replied no once I seen the message and immediately called chase bank to dispute the charges. At the advice of my sister After Work I went to the precinct by my house on XXXX they told they couldnt take my report because it didnt happen in that area, they referred me to another precinct who also sent me to a different precinct. I got in touch with the district attorney office and they referred me to the correct precinct where I filed a report. The detective a signed to the case wasnt any help and even told me a case like this is like baby sitting to him. The last I spoke with chase they said that during the times the money was being taken out I was also shopping in stores which is not true because I was at my moms house I told them the only stores I went into was XXXX XXXX   XXXX XXXX. I have spoken with 4 chase representatives and they have stated that the daily limit to withdraw at a atm machine is between 8-1000. I myself had to go to a teller to take my rent money out which was XXXX, so how can XXXX come out of a atm machine in such a bad area of XXXX? And why would chase only send me a text alert asking about 20 dollars when all together it was XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-29
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.

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 2021-10-04
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage shows poor and inconsistent communication about the Escrow review process. I receive a new escrow analysis statement every few months and spend hours at a time on the phone with customer service trying to understand why my payments are projected to increase, sometimes hundreds of dollars at a time. I understand that on an annual basis, property taxes can increase and drive increased payments ( I work in XXXX, specifically XXXX XXXX, for a large XXXX  so I am well-versed on topics of this nature ). Each time I call I get a different answer on the cause of the increase, as well as a different promise that this will not happen again for another year. I have had multiple people tell me that my property taxes increased - within the same fiscal year - from the last quarter. This has happened multiple times. Other times, Wells Fargo has noted an escrow shortage of thousands of dollars, claiming I had a lapse in homeowners and flood insurance coverage. I would then proceed to spend hours on the phone with both WF and my respective HO/flood insurance companies, only to find out that they had sent WF updated policy information that had been " missed '' by WF. 

I get that XXXX payments are not fixed - taxes increase, among other factors, but communication from a financial institution should be consistent. Only moments ago, I had a customer service representative tell me that there is a chance my property taxes could go up again next quarter ( even though we are in the middle of a fiscal year ) so my payments could rise again. Wells Fargo demonstrates, once again, that their communication to customers is not only sub-par, but inconsistent and misleading. I do not feel that my personal and financial information are protected and well-managed at this institution and I am fearful of holding a mortgage here. I pity the people who blindly accept every answer they get from this company - if I had done that a few months ago when WF had lapsed in their communication with my insurance providers, my payments would be hundreds of dollars more per month.

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 2021-03-31
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2021 PayPal decided to permanently limit my account I had this account since I can remember You can no longer do business with PayPal ( Ref ID - XXXX ) I also have a credit card with them that I can't no longer redeem the cash back since they closed my account. 
On Tuesday XX/XX/2021 i contacted PayPal to only tell me there's nothing it's can be done.

Company response to consumer: Closed with non-monetary relief