BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am appalled at your notification CFPB announced a {$35.00} XXXX fine for Citibank. In addition, it has ordered the bank to reimburse {$700.00} XXXX to consumers who were victims of deceptive marketing, unfair billing practices and deceptive collection practices. 
Citibank was also charged with over-billing consumers and extracting excessive fees from consumers in collections. '' Citibank sent me a check for {$50.00}. How do I know that this is a fair amount? 
Is there a class action suit against the bank because of their fraudulent practices? 
If there is, I would like to join. 

Thank you for your attention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR 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 2022-08-08
Company: EQUIFAX, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; EQUIFAX MORTGAGE SER XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Despite numerous attempts to provid the proof of all insurance which is through XXXX the company is claiming that we have not provided he information. They are trying to make us pay for insurance coverage that they provide even though there has not been any gaps in our coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have submitted this before, a few weeks ago. When XXXX closed, Synchrony bank sent a mastercard out to me, and transferred the XXXX balance onto it without my permission. I informed them I did not want it, but they insisted that it has to be that way. I don't understand how someone can issue a card without permission, and I don't want it. I just want to pay on my XXXX charge, not a XXXX XXXX  XXXX XXXX ' by Synchrony.

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 2018-06-29
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
refinanced house in XX/XX/XXXXwith XXXX XXXX first payment was XX/XX/XXXX, after pulling first payment transferred the servicing of mortgage to Freedom Mtg as of XX/XX/2018. Please see credit report FREEDOM reported the $ XXXX loan XX/XX/XXXX, and loan servicing transfer letter authorizing them to as of XX/XX/XXXX. Freedom MTG illegally reported the loan as of XX/XX/XXXX, XXXX reported it XX/XX/XXXX. As you will see the credit report shows I owe $ XXXX for mortgage on my house. My credit score is in a free fall. I went to get personal loan to clear up the rest of my dept. and was denied because both companies reported I owe them $ XXXX. I am sure I am not the only one this is happening to.

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 2020-11-14
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
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:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -MERCANTILE ADJMNT BUR # XXXX -XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: NCSPLUS INCORPORATED
State: FL
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 an old account that just just popped up that was already settled with actual company, now it is on my credit report. What is concerning is what it shows. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX That is the company that is on the credit. However when you research XXXX XXXX XXXX they are based out of XXXX, Ga. The phone number associated with that account is NCS plus. 
XXXX XXXX XXXX This is very concerning as i feel that my personal information is being shared among other people not authorized and now are requesting access to payment even though it might be FRAUD. This should be 100 percent accurate however it clearly is not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted numerous complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports along with the Police Report which I filed in my localpolice department, provided a report circle the fraudulent accounts, & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I tried to refinance with my current Mortgage Company NewRez in XXXX of this year. They denied me because my condo was now worth XXXX which is XXXX less then I paid for for it in XXXX Upon being denied I opt out. Today I received a c all from NewRez telling me of the great rates. I opted out in XX/XX/XXXX and today is XX/XX/XXXX well over 30 days ago. It is clear that NewRez is not following the opt out rules for their customers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XXXX XXXX I deposited through the XXXX XXXX, NJ PNC bank drive-through a check in the amount of {$330000.00} from XXXX XXXX  XXXX XXXX company. I endorsed the check. It was deposited into my account and showed that it cleared in my account two days later. I began paying debts with the monies and went to the XXXX XXXX, NJ branch to give them wire information to pay off my mortgage at XXXX XXXX. XXXX met me outside and told me they turned the check into their loss prevention and avoidance department because the check was not endorsed by the other name on the check which was my mortgage company XXXX XXXX. To this day, no one at PNC has helped release the monies back into my account. They are holding the money because it is now in their legal departments hands. I just lost my home in a storm, it was demolished, I can not buy another home until my mortgage at XXXX is paid off. I have two more days to pay it off, XXXX has stopped withdrawing my mortgage from my account because of the understanding its getting paid off. PNC will not release the check back to me. They have not given me a copy of the check. I have a negative balance in my checking account. I'm being charged $ XXXX day in interest from my mortgage company every day its not paid off. I am in a dire situation and PNC is giving me the runaround. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Early Warning Services, LLC
State: SC
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 an incorrect item on my Early Warning Systems report. The incorrect item is from XX/XX/XXXX which states that my XXXX XXXX account ( # XXXX ) was closed due to " Account Abuse '' and that there was a principal loss of " {$1900.00} ''. These are both false. I disputed this already with XXXX XXXX in XXXX when they made this claim. I never made an ATM withdrawal from my XXXX account on XX/XX/XXXX for {$2000.00} ( nor any other amount ), nor did I make any other withdrawals from my account ( check or ACH ) that would have resulted in this debit. I did not cause a principal loss nor did I abuse the account in any way. I also disputed it with Early Warning Systems in XX/XX/XXXX. However, Early Warning Systems admitted that they only contacted XXXX ( who erroneously confirmed it ), and did not actually investigate the dispute in detail. Specifically, they failed to verify that the letter sent by XXXX on XX/XX/XXXX is false. Therefore, both XXXXXXXX XXXX and EWS have failed to follow the Fair Credit Reporting Act and are in violation thereof. This is directly causing my to be unable to open bank accounts because the EWS report lists this item and banks are denying me basic checking accounts as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: EQUIFAX, INC.
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 have an XXXX XXXX XXXX account. On my Equifax it shows the account balance as incorrect and the the months of payments are not showing up correctly. Please update this problem. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-31
Company: CCS Financial Services, 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: Account status incorrect

Complaint:
Credit Collection Service is reporting that I still have a collection with them even though the account is paid in full. This was paid in XX/XX/2020. The collection agency is still reporting to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/2018 restructured life of loan to extend. Cancelled auto pay of $ XXXX month to new payment of $ 175 month. Confirmed this was completed. New payment on XX/XX/18 would be implemented. 
XX/XX/2018 inform Navient not to make an error with charge XX/XX/18 get charged with {$470.00}. Call Navient to let them know of mistake. State 3 days for refund. 
XX/XX/18 no refund. Call Navient. They claim this will happen 10 business days afterwards Being overcharged and unapproved amounts taken from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is misleading information that is reporting 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 non-monetary relief
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
this was never submitted to insurance to be paid, the company needs to call the insurance company and have them investigate this. I have contacted the company several times, no one has contacted me back. We never received a bill either. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1000.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2018 ( 4 mos ) Original Creditor Name BACK XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I'm absolutely livid that I received a unsolicited debit card to activate sent by Chime Bank to my home address!!!!! This is absolute XXXX and Chime Bank should be penalized by the government for this kind of business model. I have no relationship with these XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: WELLS FARGO & COMPANY
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We opened a XXXX with Wells Fargo and about two years ago we submitted the requested notarized paper work to close the account. Wells Fargo continues to send us threatening letters about not having insurance on our property.

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 2018-06-29
Company: Go Capital Holdings, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was told by a GoFinanical rep at the company that by law only 5 late payments can be removed and that they would be removed & that hasn't taken place. I have disputed with all 3 credit agencies that the inaccurate would be updated and that still hasn't happened. The company is now XXXX and the reps/supervisors are saying they don't have any record of what I was told.

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 2018-06-29
Company: KEYCORP
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Hope that you can help. 

I am a XXXX with 30 years in the business. 

We have a home equity with Key Bank, for which we continue to get harassing phone calls at two or three days past the due date. Generally I pay at the end of the grace which is five days. 

I sent XXXX a letter, which requested under the fair debt collections act that they send any request via XXXX Mail and do NOT contact by phone. They have previously acknowledged the receipt of the letter. 

I have also verbally requested that they cease and desist. 

I also verbally informed them that they are not in compliance with the law, yet they persist ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: SYNCHRONY FINANCIAL
State: CO
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 have an inquiry from syncb/PayPal on XX/XX/XXXX as a hard inquiry, which affects my score. I only applied for a credit card for XXXX  XXXX, which does show, but that was in XXXX. The syncb/PayPal was done XXXX well after I had applied for XXXX  XXXX. XXXX  XXXX is the only credit card inquiry I should have, I never applied for anything else. Worries me that some one might have tried to use my identity. This one is shown on my XXXX  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 non-monetary relief
Consumer complaint received 2020-08-24
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Chase doesn't seem to care about customers and does not read the messages that are sent to them in the secure message center. Since XX/XX/2020 I've received 12 messages from Chase that say the SAME EXACT thing. I've put special statements, questions and inquiries in my messages to them but still received the same message back that does not give any clarification on the matter. It does to seem that a real person is even reading and responding to the messages in the secure message center at Chase because it's the same message. How do I get an actual message back from the company, in writing, on important issues that could affect my privacy, security and credit report? Why is the company ignoring customers and treating them like nothing? Or is it just me? Am I being discriminated against because I speak up and have no problem filing complaints against the company. I've done it in the past and maybe this is their way of retaliating back against me. Either way, whatever this company is doing is unethical and it makes it seem like they have something to hide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
InXX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is Barclay 's bank. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through Barclays Bank contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by XXXX, on or about the XXXX XXXX XXXX that this was on my credit report, I called Barclays, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied XXXX and XXXX. I received an email from XXXX, which is attached, and I can not open the response.

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 2020-07-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
There is an account for a XXXX XXXX place that continues to report new open dates on a debt that is very old. This makes no sense one bureau indicates it's a charge off the other indicates it's 120 days late but they all show an open date of late last year. I have requested proof of this debt and I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: BTH Management
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX has an account listed on my credit profile which I have any information of regards when I contacted the original listed creditor which is XXXX XXXX they refused to provide me validation and intern they stated that I needed to contact XXXX XXXX to get validation so I dispute it and ask for validation with the credit bureaus I received nothing in return but they keep responding to the credit bureau as the account is validated I have received no type of communication from this company

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