BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Billing Error according to the Fair Credit Billing Act ( FCBA ) Charges for goods and services you didnt accept or that werent delivered as agreed. 
In my case, XXXX, did not provide the services that were stated in the contract between XXXX and my company. 


I utilized Citibanks online dispute process on XX/XX/2019. According to the Fair Credit Billing Act ( FCBA ) the creditor must acknowledge my complaint, in writing, within 30 days after receiving it ( the dispute ), unless the problem has been resolved. Citibank acknowledged in an email, on XX/XX/2019, which was 31 days later. 

According to Fair Credit Billing Act ( FCBA ), the creditor, Citibank must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting my dispute letter. 90 days from XX/XX/2019 was XX/XX/2019. Citibank told me, they mailed the merchant, XXXX on XX/XX/2019, 38 days passed their 90 days of resolving this dispute. 

XX/XX/2019 is the date XXXX charged me, {$15000.00} for services for a retainer. Services that were stated in a contract and never received. I paid the full {$15000.00} charge on, therefore there were no finance charges. 

According to the Fair Credit Billing Act ( FCBA ), the creditor, Citibank may not take any legal or other action to collect the disputed amount and related charges during the investigation. Citibank did credit the {$15000.00} to me on XX/XX/2019, but then reversed the credit on XX/XX/2019, while the investigation was still going. Through many emails between me and Citibank, Citibank credited me the {$15000.00} on XX/XX/2019, but then reversed the {$15000.00} on XX/XX/2019. The investigation was still on going, but Citibank held on to the {$15000.00} while they were investigating. 

According to the Fair Credit Billing Act ( FCBA ), if the creditor, Citibank investigation determines the bill is correct, you must be told promptly and in writing how much you owe and why. This never happened. 

According to the Fair Credit Billing Act ( FCBA ) and creditor, Citibank who fails to follow the settlement procedure may not collect the amount in dispute. Citibank, as I stated above did hold on to the {$15000.00} while they were investigating.

Since Citibank has not followed Billing Error according to the Fair Credit Billing Act ( FCBA ) I would like Citibank to reimburse me the {$15000.00} that should have been refunded to me. Citibank, never closed this investigation as far as I know, they just erased it from the records.

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 2018-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
2 Late payments from XX/XX/XXXX& XX/XX/2015. I was going through financial hardship due to my girlfriend being XXXX and unable to find work. I then lost my job dealing/helping my brother who was then diagnosed with XXXX. I have sent multiple goodwill letters and emails with no response. I have not been late since and all my payments have been on time with low utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
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:
Equifax report is inaccurately showing my current address with the wrong Suite number, please correct as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX A copy of my bank statement with correct suite number is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone stole my daughter 's identity and was using it do online transaction. OnXX/XX/XXXX, my daughter received a report from Chase Bank, alerting her to an overdrawn that left her account in the negative. She contacted Chase customer service and she was put through to the claims department where she  disputed the claims. She was told that after an investigation, that she would be contacted. I made sure to remind her to keep up with them, Chase Bank did n't send any letter to inform us the outcome of their investigation. We did n't know what was going on. I was concerned because when I first opened that Chase account for her, I linked my account to hers, so I could monitor her spending habits. This person continued to write checks in my daughter name and deposit it online. A total of {$3600.00} was deposited and withdrawn from her account. by this person. Meanwhile at the time of the Illegal online transaction my daughter has only {$90.00} in her account. 
On XX/XX/XXXX, when my daughter turned XXXX, without a completion of the investigation by the bank, the total amount that was withdrawn from my daughters account, was withdrawn by Chase bank, from my account. I called the bank and tried to find out why they had taken money from my account and they claimed that it was because it was linked to my daughters account. I repeatedly tried to explain to them that I didnt think they should have taken money from my account, especially considering that the overdraft was not from my personal account and besides, it was an unauthorized transaction. I tried to explain several times with the hope that they returned my money, all to no avail. Chase Bank later sent an affidavit to my daughter explain to them what she knows about this unauthorized transaction, of which did. It was afterwards that bank sent a check to my daughter in the amount of {$2100.00} with holding {$1400.00}. On XX/XX/XXXX, the bank started taking money from account again without any explanation. In separate occasions in the month XX/XX/XXXX, they took {$330.00} and {$480.00}. I called the bank to find out what was going on they told me they want recover the money that was sent to my daughter. They told me make payment arrangement. Chase bank could not protect my daughter 's account. Now I 'm being penalize for unauthorized transaction from daughter account. Look at little me and giant Chase bank taking the little I have. I have attached my supporting document with this complaint. I would like Consumer Finance Protect Bureau to investigate this matter. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: Smith, Rouchon & Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent XXXX request to have Smith, Rouchon and Associates , Inc. validate a debt that they have been contacting me about. I have expressed over numerous of occasions that the debt does not belong to me. Smith, Rouchon and Associates, Inc have failed to send me any correspondences validating such debt and yet they still are reporting the negative information to the credit bureas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: NY
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:
( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review.

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Bristlecone, Inc.
State: CT
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 call the companies in XXXX, XXXX and etc each time they said they would stop the calls but I'm still receiving calls.in XXXX of XXXX I told them don't call back.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-11
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I was made aware that I had a delinquent account with sprint mobile in the amount of {$120.00} My account with XXXX was closed in the fall of XXXX. XXXX assessed additional charges and sent this bill to convergent outsourcing. I received no communications regarding the delinquent account from XXXX or convergent outsourcing. I was made aware of this situation as im in the process of purchasing my first home, and upon pulling my credit, convergent has reported this to multiple credit bureaus effectively dropping my credit score from Excellent to poor. I have since taken care of the debt owed, however, my credit is damaged to a point where I may not be able to finalize my mortgage on XX/XX/XXXX on the house I have under contract. This is unfair and unjust. I had not been made aware of this and am seeking justice to have this removed from 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 2020-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am experiencing a financial hardship during the COVID-19 emergency and have requested a CARES Act forbearance. On XX/XX/XXXX, I submitted a written forbearance request to XXXX, the previous servicer of my VA backed mortgage. I did not receive a response, and servicing rights were then transferred to Carrington. On XX/XX/XXXX, I submitted another forbearance request through Carrington 's website. I did not receive a response. 

On XX/XX/XXXX, I called Carrington and verbally requested a CARES Act forbearance. I was told that I am ineligible, because I was delinquent on my mortgage prior to the coronavirus. Under the CARES Act, I am entitled to a forbearance regardless of delinquency status. U.S. Code, 15 U.S.C. 9056. Carringon has improperly denied my forbearance request and is not abiding by the terms of the CARES Act. I am asking the CFPB to require Carrington to follow the requirements of the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX IS REPORTING AUTHORIZED USER ACCOUNT NO XXXX THIS ACCCOUNT BELONGS TO XXXX XXXX XXXX. MY BANKRUPTCY WAS DISCHARGED ON XX/XX/2018 AND MUST BE REMOVE FROM ALL BUREAUS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: EQUIFAX, INC.
State: IN
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:
Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Idk where to start but here goes I booked a trip with XXXX back in XX/XX/2019 and I made two payments in XXXX each for {$340.00} and then Covid19 came and bookit cancelled my trip on XXXX XXXX which I have the email so I filed a dispute with my bank as XXXX told me to after about 90 days I was denied my claim citing they didnt see any fault so I said I wasnt going to give up because nobody wants to lose any money so I filed a rebuttal which they claim it takes 45 days for them to respond now 45 days has come and gone as of XX/XX/XXXX Ive been calling them everyday and Ive been getting nowhere they said they did a escalation which takes 3 days that also has come and gone and then I talk to someone a week agai and that person said they would do a escalation as well now those 3 days also has come and gone its like now Im being totally ignored I just want my hard earned money back thats it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
equifax is repeatidliy breaking the law and is failing to verify the unauthorized hard inquiries they are furnishing on my report. Specifically, Section 607 ( b ) requires credit reporting agencies to : 1.Adopt and implement reasonable procedures '' to ensure the accuracy of the information in a consumer 's credit report. 

2.Maintain strict procedures '' to ensure that only accurate and complete information is furnished to creditors, employers, and other users of consumer credit reports. 

3.Take appropriate corrective action '' when errors or inaccuracies are identified. 

4.Review all relevant information '' when reporting information about a consumer 's credit history, including the source of the information and the age of the information. 

i called and they told me to call the companies and ask them to remove the inquiry which doesnt make sense. the following are my dispute confirmation numbers. 

# XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: WESTERN UNION COMPANY, THE
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am writing because Western Union is not taking sufficient steps to prevent fraud or identity theft against consumers. I received a letter in the mail stating that I had transferred funds on a specific date and that these funds had not yet been retrieved. As I had never transferred funds through Western Union, I contacted their Consumer Fraud Hotline. After explaining the situation and citing the specific letter I had received, the representative was able to tell me the location of the transaction and that cash had been sent using my name, address, and date of birth. I explained that I had not made that transaction and that I did not know the person to whom the funds had been transferred. Even after explaining this, the representative failed to even apprehend that I was trying to report a fraud. He simply offered to refund me money. I explained that I had not actually lost any money, as someone else had sent their own cash using my name, and that I simply wanted to report fraudulent activity. He stated that all Western Union could do was to block any use of Western Union under my name ( such that, even if I myself wished to use Western Union in the future I could not do so ). I asked if there was any way to notify me if someone tried to use my name in the future. He stated that there was not. I then asked if he could send me some confirmation that any use of my name would be blocked in the future. He stated that they did not have the capacity to do so. I asked to speak to a supervisor and he also refused to either send me written confirmation that use of my name to transfer funds would be blocked in the future and also stated that they could not notify me in the future if someone attempted to use my information to transfer money. I expressed concern that this was inadequately protective of consumers and the supervisor still stated that there was nothing more that he could do. He did not offer to open an investigation into the individual who had made the transaction ( even though the name of the recipient of the fund was listed on the letter I received and provided to Western Union by me ). This supervisor 's name was XXXX and his identification number was XXXX, a supervisor in the Consumer Protection Unit. The conversation took place on XXXX/XXXX/15 at about XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ocwen is the loan servicing company. They foreclosed on my ex and I had to take the property back in court in order to sell, to stop the foreclosure. The first buyer got frustrated with their lack of response and backed out. With the second buyer, we got them to approve a short sale. The problem lies in the fact that they have no letter of assignments proving they legally hold the note. I tried to work with their dept of consumer ombudsman, they sent a letter saying there is a problem and told me to stop calling and its not their problem if it isnt sufficient. I have nowhere else to turn, Ive lost time and money on a property that the bank made unsellable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I have tried to fix an issue with Wells Fargo about a stolen check. They have denied my claim and do not refund me my money when it was cashed by an on authorized person Wells Fargo did not protect my account, allowing this check to be forged and to be cash by a on authorized, Wells Fargo user itself. There is a specific line that says to notify within XXXX months after they have made the account statement available if I identify any on authorized or altered endorsement. My check was for my rent for the month of XX/XX/2022. I was not aware it was altered until my landlord requested a second payment because the first one was not received. I check my account and saw that the check was cashed, and I did not question the cash of the check because I knew that money would come out. I am asking for this to be fully investigated, and who cashed my check, and to get a refund on my money there is no way that I should be denied my own money back when it was on authorized to leave my account from the person who cashed it, I will attach the note that was sent to me and I will attach a picture of the forge check please investigate further into this matter. I can not trust a bank who does not protect my money and Im sure a lot of people who bank with Wells Fargo could agree that they should not happen. There is a six month. From when I realized any altered endorsement on my statement, and I notify them before the six months.

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 2020-03-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

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 2021-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and TransUnion regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

TransUnion, XXXX, XXXX failure to positively verify these accounts { see page 2 }, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my TransUnion, XXXX, XXXX Consumer Credit Report. 


1. XXXX Account # XXXX Balance {$16000.00} Date Open : XX/XX/XXXX 2. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX 3. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX 4. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX 5. XXXX XXXX XXXX # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$11000.00} Date Open : XX/XX/XXXX 7. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX 8. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXXXXXX 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