BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a Citi Double Cash credit card for 4 years. I had 7 instances of fraud on this account which required them to issue a new card number. Most recently I had 3 instances of fraud in XX/XX/2019 that required them to issue new card numbers. In each case I have had my physical card in my possession and fraud was all carried out online. I don't believe that Citi has investigated these issues or taken proper measures to protect my account. I also believe that Citi 's employees were in some way responsible for the fraud. I have had several conversations with their customer service and fraud department ( which are all located outside of the United States ). Nobody ever followed up with my concerns even though they claimed they would investigate. The most recent incident involved people signing up for recurring subscription services with my credit card and even after a new card number was issued they rolled those fraudulent subscriptions over to my new account. I was told by one representative that in fraud case they would not authorize any recurring charges on the new account by their policy. So at the very least they are incompetent in following their own policies and at worst they have people working internally that are taking part in fraud against their customers. I have since closed my accounts with Citi because they are a liability to me but I feel like they should be investigated.

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 2017-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get validation from this company all they keep Sending me is a old credit card bill. I never had either of the credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX of XXXX my wife and I have great credit and have never been late on a payment. We have been saving to make a large down payment on the home principle to have the PMI taken off. I called XXXX XXXX on Monday XX/XX/XXXX and spoke with a representative named XXXX I asked him for an exact amount of how much we would have to send in to have the PMI taken off. He told me XXXX and some change. So as soon as I got off the phone I made a payment on their website in the amount of XXXX. I called back and talked to the same person ( XXXX ) and told him we sent over the payment and asked him to send a request over to have the PMI removed. He said he would. I called back in a few days later because I never heard back. Talked to a lady this time. ( Didn't get her name ). She said " her system ' showed we needed to pay another {$500.00}. So I asked for a manager and talked to XXXX. XXXX said the agents shouldn't be giving out dollar amounts and he would get the issue to the " executive manager '' and they would get back with me within three days. A week went by and still nothing. So I called again. I talked to a manager named XXXX. This time he said we needed to pay an extra {$560.00}. So I talked to my wife and thought, whatever, lets just pay it and we wont have to worry about it anymore. Made the payment yesterday. Now they are still saying they need to send the request over to have it evaluated. I'm at my wits end with this company. We are doing everything we are asked to do and being lied to at every turn. Can you please look into this and have them pull calls? I know this is all going to the principal of the loan anyway, so its in our favor to make the extra payments. But we are getting lied to and given the runaround just to get us off the phone. I feel that something needs to be done about their shady business practices. 
Thank you so much for your time.

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 2022-06-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was three wire transfers that left my account without my authorization. Total funds deducted from my account is XXXX. Chase did not stop transaction abs I wasnt notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

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 2019-06-24
Company: National Collection Systems, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received any letter from the company in regards to this debt. I never receive any documentations, contract, or my signature on anything showing that I owe this debt. I have only receive emails and phone calls about this account or statements showing what the company say I owe in email attachment. Also with the phone calls and emails no one at National Credit Management disclosed I did not have to do business with them. Only that I need to pay the account in full or set up payment plans. I have asked multiple times for them to send documentation about this loan and was told I didnt need anything else other than I owe XXXX XXXX  University money! 

I was never informed that I am NOT required to do business with the company under the ( Contract Law ). Which is illegal. I feel like the company extorted/extorting me to make payments without any proof of this debt. 
Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account They have not indicated that I have ever made any payments on this loan they claim I owe. 

I tried multiple times to solve this issue and was ignored or giving false information. They refuse to remove the remarks off my credit report. 

XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX called from XXXX XXXX this afternoon. He needed to identify me. He asked for my Mothers maiden name which I then gave him. He then asked my birthday which I then gave him. Incredibly, he asked my age!!!!!!! I repeated my birthday! Again he asked my age. Again I gave my birthday. Again he asked age! The XXXX question I have ever heard! Total incompetence! What kind of company is this? I hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A fraudulent credit card account from XXXX XXXX was sold to Midland Credit Management. XXXX XXXX released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though XXXX XXXX investigated and found that this account is a result of ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, we signed and agreed to a loan modification with our then current mortgage company, XXXX XXXX, to reduce our monthly mortgage payment from {$2400.00} to {$2100.00}. In XX/XX/XXXX, XXXX XXXX transferred our mortgage loan to LoanCare , LLC ( XXXX XXXX XXXX ) without our approval or consent. We received a letter from XXXX stating that the transfer will not affect any of the terms of our loan, however, our monthly mortgage payment has since increased to {$2200.00} and continues to increase every few billing cycles. Also, LoanCare , LLC imposes late fees after the XX/XX/XXXX of every month and charges payment fees to pay by phone or pay online. We currently have approximately {$570.00} in fees owed to LoanCare , LLC. 

We have tried to reach out to LoanCare , LLC and they said will not retract the fees and they will not return our calls about the monthly increases. Also, we called XXXX XXXX and since they no longer service our loan, they would not help. We are deeply troubled by the effects of what has happened in the last 12 months and are seeking to get this resolved and/or receive restitution. 

We believe XXXX XXXX AND LoanCare , LLC should take responsibility for manipulatively changing the terms of our mortgage loan. During the modification with XXXX, when we agreed to lower the payment, we were 6 years into our 30 year loan, but the modification of the loan started a new 30 year life of the loan.So we had lost 6 years of our loan term to modify to a lower payment, only to have the loan be transferred to LoanCare , LLC in which they increased the monthly payment and imposed more fees. I think this is unethical and irresponsible of any mortgage bank entity.

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 2020-04-29
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have made a complaint before about this U.S. Bank Mortgage Loan # XXXX and still have NOT been able to get a straight answer from the bank about my homeowner 's insurance requirements. When I complained around 6 months ago, the bank responded in a letter to ME AND CFPB that said I NOT REQUIRED to have Flood Insurance AND H06 Hazard Insurance on the Condominium Unit because I have coverage through the XXXX XXXX on the Whole Building. I only owe {$20000.00} remaining on the mortgage. I just called the bank today and they said the bank still requires insurance coverage on the property and they don't have a copy of that letter and need ME to send to them via US Mail, because I can't fax or email them! I faxed 10 times with copies of my current Condominium coverages and they say they don't have anything. Now, I can't fax anything and I  have to pay for postage to send them all the documents I have already sent to them via a secure website they say does NOT work. If I pay off the remainder of this loan tomorrow, I will no longer have any insurance requirement because I WILL OWN THE NOTE! I don't have enough money to pay off the loan now because I lost my job and over {$100000.00} in the stock market because of the Covid-19. The bank has granted a forbearance for 3 months but I am still getting late fee AND foreclosure warning notices. When I called to day they said don't worry about it and disregard. When I login to my account I don't see any late fees and foreclosure messages. So, I guess I am not going to worry about it? I would be lying if I said I am not worried. Please help and this time make the bank keep a record of the response to this complaint so I AM NOT HAVING TO MAIL EVERYTHING TO THEM! Thank you I guess.

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 2020-04-29
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 my XXXX XXXX account was compromised and this resulted in my XXXX account being charged. When I went to dispute the charge to Wells Fargo I noticed there wasnt an option to do so. Due to me not using my Wells Fargo account any more the balance was {$0.00} and this charge caused an over draft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland funding LLC also known as ( Midland Credit Management ) bought a debt from XXXX for debt of amount of {$1600.00} this debt was open fraudulently under a completely different name utilizing my social security number and date of birth. I have NEVER had a XXXX credit card. I contacted XXXX regarding this and they informed me that I needed to contact Midland Funding LLC also known as ( Midland credit Management ) who have since bought this account from XXXX and have since begun reporting this account as derogatory on all 3 of my credit bureaus FRAUDULENTLY in spite of the fact that my name does NOT match the name of the person who open this account. I contacted Midland funding LLC ( Midland Credit Management ) on XX/XX/19 and spoke to one of their management team Ms. XXXX and informed her that my social security number fraudulently used to open an account under a different presumed name that is not mines she stated that she wasnt sure how that was possible and that they needed to look into it and would contact me. I have yet to hear from them. In the meantime my credit is being affected by an account that does not belong to me that was open under a name that is not me. I have since disputed this with all 3 of the credit bureaus, filed this report with the CFPB and also filed a report with the FTC. What Midland funding ( Midland Credit Management ) is doing is FRAUD!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX i deposit a check through the drive threw. {$1300.00} and XX/XX/XXXX through mobile app, i deposit {$1300.00}. on XX/XX/XXXX, key transfer a automatic {$1000.00} to my XXXX XXXX account. XX/XX/XXXX check for {$1300.00} was a charge back. ( which I didn't find out about until XX/XX/XXXX. ) XX/XX/XXXX {$300.00} transferred to my XXXX account. XX/XX/XXXX XXXX overdraft fee charged me 2 times. XXXX  XXXX XXXX returned item charges 2 ntimes XXXX XXXX XXXX charge back fee. XX/XX/XXXX I deposit money back into the account. Spoke with a key employee at the 1800 number and local branch. Both said they could do nothing. and coulld not gaurentee anymore charges would be charged to my account. I was told to call local manager on tues XX/XX/XXXX. I did and she couldn't help me either. I asked For just no double charges and she said no. 1 key bank - this isn't the first time I recieved charges when I don't believe it was my fault. I was scamed this time with a myster shpopper scam. 2 mystery shopper scam. thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
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:
Under the FCRA, an item can not be reinserted into your credit report without written notice by a credit bureau to the consumer within 5 business days of the reinsertion. The letter from the credit bureaus must include : A statement that the disputed information has been reinserted EXPERIAN had deleted a negative item as part of their investigation of a challenge of the accuracy of items being reported on my credit file. The reinserted the item without written notice.

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 2018-03-17
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
i have send 5 letters to equifax disputing the flowing wrong address that i never ever lives on inquires not done by me ask to remove alerts fraud they refused to remove anything, every month i receive a letter saying they are working and they send me a letter of my credit wrights, last months they send a letter saying mi ID were insufficient, when send every month with the letter of dispute a copy of my driver license and social security card to prove my identity am trying o buy a place and this company is intentionally hurting my credit..they are lazy and take pleasure on not doing their job and hurting consumers i am responsible with my credit, i demand action is taken

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX ( Dispute # XXXX ) I submitted a dispute for the following inquiries on my credit report. 
( XXXX XX/XX/XXXX ) ( XXXX, XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX, XXXX ) Equifax completed the dispute in less than XXXX without a full or fair investigation. Nor did they provide proof that these inquiries belonged to me. Equifax did not follow the rules under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I have no negative information list on XXXX according to a report sent by them. However, they are providing negative information to Banks and Credit Unions that is affecting me being able to open and account. They refuse to respond to my inquires and demands to fix 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 2020-04-29
Company: Financial Assistance Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I contacted this office asking them to verify a debt - In return i received a letter stating that they have obtained a judgement against me in the amount of XXXX WHICH WAS MORE THAN THE ORIGINAL AMOUNT THEY CLAIMED TO COLLECT- I looked up the case number that they included in the letter ( Case # XXXX ) nothing in the state of Washington came up and i called all the courts to verify this information and nothing came up - they threatened me by stating they have obtained a judgement against me which the FDCPA, debt collectors are not allowed to threaten to seize, garnish, attach, or sell your property or your wages unless they are permitted by law to do it and intend to do This letter was dated XX/XX/2018 XXXX  was the one that sign this letter The letter stated that they have post judgement " Remedies '' available to them as follows : Garnishment of Wages Attached of Personal Property e.g Auto loans Liens against Property I have a copy of this letter signed by XXXX and below it stated CC : Legal file Attorney

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Filing this for non-compliance of the credit bureau to remove this inaccurate information off my credit report. I have already sent letters to have the investigate this information in which thy completely ignored.

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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

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