BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why. 
This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers. 

This should not be allowed. 

The customer service is the absolute worst I ever seen at a bank. The worst

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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:
Equifax violated 15 USC 1681i ( a ) ( 5 ) ( B ) ( ii ) XXXX XXXX and XXXX XXXX XXXX were deleted off my consumer report XX/XX/2021. XXXX XXXX reinserted XX/XX/2021 XXXX XXXX XXXX reinserted XX/XX/2021 Equifax didnt let me know after 5 business in writing of the reinsertion and the reinsertion wasnt authorized by I, the consumer per the law stated above. Those are now fraudulent accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 inadvertently paid {$250.00} excess payment to my credit card. When I called Bank of America, they promised to pay it as refund. I never got the refund. They removed the credit from my account. I called more than 5 times. Every time they said that it is on mail. Last 3 months, I have been waiting for the credit or refund. 

Please help me here.

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 2019-01-14
Company: Bread Financial Holdings, Inc.
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Express Credit Card through their representative XXXX XXXX had charged me with {$6.00} for a service that I'd never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In order to get my ex husband off my car title, I had to refinance my car because he was a co-borrower on my loan with Nissan XXXX. 
I refinanced my car officially in XX/XX/2021, and have yet to receive a lien release from Nissan XXXX, despite having called and asked 4 times. 
I am unable to register my car and get my ex husband off the title without this lein release per the DMV. 
I have since moved to XXXX  from XXXX, and have STILL not received the lein release despite calling and asking for it to be sent to my new address twice, in addition to having called twice and requesting it be sent to my old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CITI BANK CONTINUES TO STILL REPEATEDLY CALL ME ALL THROUGH THE DAY USING DIFFRENT PHONE NUMBERS A CERTIFIED LETTER WAS MAIL ON XXXX ( XXXX XXXX XXXX NUMBER XXXX XXXX XXXX XXXX XXXX WAS DELIVERED ON XXXX AT XXXX THE RETURN RECEIPT HAS NOT BEEN DELIVERED BACK TO ME YET. 
THESE ARE THE NUMBERS AND DATES AND TIME XXXX HAS CALLED. 


XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX IS AWARE OF THE CERTIFIED LETTER THAT ANY CORRESPONDENCE SHOULD BE IN WRITTING.

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 2019-01-14
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We Have been Trying to get the Loan Number for this Property From XXXX XXXX, we have sent them the Power Of Attorney, the Certified Copy of the Grant Deed and The Title Audit Report that show the Break 's in the Chain of Title. We Have Requested a BPO Agent to come out to the property so we can Document the condition of the property brfore the repais are completed, and we have told them that we have the property sold and in escrow. We need your help to get Clear Title to this property. Addres of the property is XXXX XXXX XXXX XXXX, Ca XXXX HomeOwner was XXXX XXXX XXXX XXXX last four of SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company can not verify its me and/or not my name. 
Reporting with XXXX  etc.. flagged for Collection grid code XXXX XXXX collection ). 

There has been identity theft in my name and someone else have the same name that lives in XXXX XXXX, NV and other places.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Enhanced Recovery is reporting a debt for XXXX on my credit report. At the time that they said the debt incurred I was XXXX years old and you are not able to sign a contract or open a cell phone account at the age of XXXX. The removed it off my credit report, and now they added it back on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: JPMORGAN CHASE & CO.
State: LA
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:
ON XXXX XXXX MY HUSBAND AND I WERE VICTOMS OF A SCAM DONE BY XXXX XXXX XXXX ( XXXX ) MY CHASE CARD WAS CHARGED XXXX BY XXXX. AFTER RELEIZING THAT THIS COMPANY WAS A COMPLETE SCAM I TRIED TO CANCEL BUT ALL THERE NUMBERS WERE DISSCONNECTED I THEN CONTACTED MY CHASE CARD ON XXXX XXXX I DISPUTED THE CHARGE AND A XXXX XXXX CONTACTED THE APPROPIATE PEOPLE AND THEY TOLD HER I WOULD RECIEVE A REFUND IN 4-6 MONTHS. I HAVE ATTEMPTED TO GET HELP FROM MY CARD COMPANY WITH NO LUCK I AM AN ELDERLY WOMAN WHO HAD TO BORROW MONEY TO PAY THIS DUE TO THE HIGH INTEREST RATE. I DONT UNDERSTAND WHY MY CARD COMPANY WILL NOT HELP ME I AM SUPPOSED TO BE PROTECTED AGAINST THINGS LIKE THIS. I FEEL AS THOUGH NO ONE IS WILLING TO HELP ME AND THESE PEOPLE JUST GET TO RUN OFF WITH MY HARD EARNED MONEY. I DONT UNDERSTAND WHY NO ONE IS WILLING TO GET MY MONEY BACK. I HAVE DISPUTED THIS CHARGE MORE TIMES THAN I CAN COUNT OVER THE YEARS AND I WILL NOT STOP TILL I GET MY MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: TransferWise Ltd
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The company called transferwise delayed my transfers for upto 3 weeks without any tangible reason. This caused the death of my XXXX XXXX XXXX brother in law that was under my care in the hospital. They closed my account due to my further complaints and a request for a compensation. They already know. They should remedy this situation before it goes out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2019-01-14
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I obtained a mortgage as co borrowers. he was later diagnosed with XXXX. when he passed away I made the mistake of furnishing a death cert. the account then changed to the estate of my husband.

In 2018 I paid off the mortgage with an escrow balance. the balance was sent to me in the name of THE ESTATE OF ... .I CAN NOT CASH THE ESCROW REFUND. I am told I have to open up probate in order to cash the check ...

II have tried several times to fix this, I hired an attorney to try and straighten this out. since I am co borrower the title goes to me. the lender never contacted me about the attorneys letter and the return of the check. the lender never voided the returned check, and will only issue a check in the estate of my husband.

I am told I have to open probate for one check. everything else was put in my name because he knew he was going to lose his fight with XXXX.

Is there anything I can do? I need help. being a widow is bad enough on social security without having to take care of things like this.

the lender was supposed to pay the property taxes out of escrow and did not. forcing me to take money I dont have out of pocked to pay the property taxes on time. this is a hardship. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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: Information belongs to someone else

Complaint:
Hello, These unknown items are not related to me. I have never ever signed any papers with these companies, or did something towards these accounts. Simply I do not know these accounts because they are not mine. Its a pure fraud. I am begging you to check my profile and these accounts and probably remove them as I am in a terrible life situation and I will not handle something like this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: MD
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:
In regards to the incorrect information from Experian in their Credit Report, the investigation took more than 30 days, but no response received. 

This is concerning unverified card usage and I want to request the release of the creditor 's name and I demand to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Date reported : XX/XX/2021 Amount : {$5300.00} Action Done : Already called Experian and sent a dispute letter. 

Please note that this is for my Business Account and NOT my Personal Account. My personal account is totally fine. 

I demand that the following account listed above be removed immediately from my business account as this charge was not mine and incorrect. Thank you.

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 2021-07-02
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 my debit card was used for 5 unauthorized transactions : 4 transactions for {$100.00} and 1 transaction for {$200.00}. On XX/XX/2021, after the transactions settled, I submitted a written confirmation of error for each transaction via email to XXXX, as outlined within their Deposit Account Agreement. A claim including 4 transactions ( 3 transactions for {$100.00} and 1 transaction for {$200.00} ) was filed XX/XX/2021. On XX/XX/XXXX, I spoke with a Dispute department representative and their Manager. I was advised that because I did not specifically request to initiate a dispute claim within the email previously submitted or via inbound call, a claim was never filed and an investigation never initiated. The Manager was unable to answer straightforwardly answer how a claim was initiated on my behalf on XX/XX/2021 if this was the case. I was also advised that because the 4th transaction for {$100.00} was not included in the claim filed XX/XX/2021, a new and separate claim would need to be filed for this transaction which, again, further extends the timeframe allotted for provisional credit and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: J&D Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX of J & D Recovery , Inc contacted my office regarding an outstanding invoice with a New York based company, XXXX  XXXX XXXX XXXX. I requested that XXXX XXXX send me an email with written notification of the debt, as my company had paid the invoice the previous year. XXXX XXXX sent me an email but did not include notification of the debt, nor the outstanding invoice in question. I responded to XXXX XXXX 's email with information that the check we had sent the previous year had not cleared, that I had stopped payment and reissued the check, and gave the date upon which it was sent. I then requested that his company stop contacting us. Over the following three weeks, XXXX XXXX has made phone calls to my office that exceeded ten phone calls per day. He has repeatedly used abusive and harassing language when he has spoken with myself and my colleagues.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX. 
Company XXXXnquiries TRANS UNION XXXX XXXX XXXX XXXX XXXX  XXXX  I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX  # XXXX, US DEPT ED # 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 2021-07-14
Company: Navient Solutions, LLC.
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navient 's system does not credit overpayments to " overdue '' amounts and fees. In XX/XX/2021, I paid twice the amount the statement stated, expressly for the purpose of paying off any outstanding fees and late charges. Despite this, each month my statement still indicates a delinquency. 
I believe these fees relate back to a previously adjusted account ( due to their error ) and should not even be represented as overdue in the 1st place. 

I attempted to reset the " overpayment '' options in my profile, however- there is not an option to direct any overpayment to outstanding fees. 

In order to " Self Direct '' payment amounts, the system requires the user to enter a bank card into their system to I pay pay bills thru a bunch of confusing line items with no idea of which one will address the late fees and charges. 

While Navient 's response is that their " system is often difficult to understand '', that is insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2021 I disputed an account with Experian for a new reporting from XXXX XXXX XXXX. The dispute stated that the account didn't belong to me and that it belonged to a business. I provided the documentation that shows it belong to a business and not me along with the letter to XXXX XXXX XXXX of my request for validation that the account belonged to me. Neither company Experian or XXXX XXXX XXXX provided proof that the account belonged to me and my responsibility. 

On XX/XX/2021, Experian alerted me that my dispute was complete and that the information was verified and the account was updated ; however, they provided nothing to say how it was verified and how they determined that the information was justified to be my responsibility. Attached is the information that I uploaded to the dispute and the information that XXXX XXXX XXXX tried to use a verification it belonged to me.

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 2021-07-14
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of PHI. I demand this account is deleted immediately 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 2020-11-05
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened a credit card with Synchrony Bank/Mills Fleet Farm in, I think XXXX or XXXX of XXXX. I say I think because the only correspondence I received from Synchrony was the actual credit card. I made a purchase, I think for about $ XXXX, when I opened the card but NEVER received a statement. Suddenly I received a notice from an agency that took over the debt saying I owed {$340.00}! I am very upset that I never received a statement, yet Synchrony had my mailing address and has added fees and interest. I mailed Synchrony a letter on XX/XX/XXXX about this but never got a response. I called them in XXXX and they told me I had to talk to the agency that took over the debt. They would not discuss the matter with me.

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 2021-07-14
Company: Unlimited Progress Corp
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:
The original account is from XXXX XXXX XXXX XXXX XXXX. I have never done business with this place. The account showed up randomly on my credit report as a collection. I have tried multiple times to call the business, but they have incorrect number 's listed. This business also has many different addresses, which makes it look more fraudulent to me. I have submitted a complaint with the XXXX XXXX XXXX, they too were unable to get in contact the business. I have disputed this collection account, once through XXXX  and once through XXXX XXXX - both times it came back verified from the collector, Creditors Discount & Audit. This has been detrimental to my credit report. If there is any way that you can help me resolve this issue it would be greatly appreciated. The date this collection went to my credit report was XX/XX/2019 and the amount they have listed is {$300.00}.

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have a few inquiries that has been reported to Transunion that were not authorized by me and are fraudulent. I already contacted the creditors and as well as the bureau and they are still reporting to my credit report Transunion inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation