BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased several items from Apple using the Apple Card in XX/XX/XXXX. While my bill was {$4400.00}, I elected to pay the full amount immediately. Using the XXXX XXXX app, I changed the automatic payment from the amount due to the full amount prior to the XX/XX/XXXX due date. On XX/XX/XXXX, I noticed in my account that both the full amount of {$9700.00} and the auto payment of {$4400.00} where withdrawn from my account. 

On XX/XX/XXXX, I contacted Apple/Goldman Sachs to have this reversed. I was informed that the payment will " take a couple of days to have the payment refunded. '' On XXXX, I contacted Apple/Goldman Sachs again for a status update. This time I was informed that the payment refund is in dispute and would typically be refunded within 10 days but could take up to 30. I was referred to my bank to have the payment cancelled. 

I requested an escalation due to the conflicting information and was provided with case number XXXX. 

There is no information available to me on the status of the refund. Apple/Goldman Sachs refused to provide documentation on the status of the payment reversal, that it is now a payment dispute, the status of the payment dispute, or any timeline ( particularly since it exceeds their own recommended timeline for resolution ). The Apple wallet app doesn't not show any history of the money in question. My balance doesn't reflect the over payment and I don't have documentation of the dispute outside of a messages chat. 

As documentation, I've included screenshots of the app : XXXX XXXX shows the page of the current amount due {$2.00}. You can slide the button to the current balance {$72.00} ( IMG XXXX ). Selecting pay later provides the date to pay that amount ( IMG XXXX ). Upon selecting the date, you are brought back to the home page ( IMG XXXX ) showing the upcoming payment. It is only if you select the XXXX dot button in the top corner that you see that the original auto payment was not changed and you are now scheduled for an overpayment of the bill PLUS the full amount that you have just scheduled ( IMG XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: PNC Bank N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
PNC Bank enrolls members using checks in a service that automatically reorders checks once a certain amount of checks from the previous order are used.
I received my last batch of checks at my then current address. In XX/XX/XXXX, I moved to a new address. I subsequently updated my address with PNC. I inquired at the time and was informed that the change of address would apply to all products across the account and there would be no need to make any further changes or updates to my information.
In XX/XX/XXXX, I wrote the last check from the previous batch. I stopped into the local branch to inquire about re-orders and was told that a re-order had been placed on XX/XX/XXXX. On XX/XX/XXXX, with no checks arriving, I checked the website, which said no reorder was pending.
I then contacted PNC 's customer service, who informed me that no reorder was pending, because checks had been re-ordered inXX/XX/XXXX. Those checks, I was informed, had gone to the previous address, despite changing the address on the account over a year prior. I was told that a letter ( not certified mail ) had been sent to my current address confirming the order. I did not receive a letter. I was also told that it is the bank 's practice not to update the address on check reorders except specifically in reply to that letter.
PNC did not track or confirm receipt of the checks issued inXX/XX/XXXX. There are now 100 checks in my name, with my account numbers, that are completely unaccounted for. PNC has informed me that they can not permanently cancel or void these checks. They can only place a stop payment order on those check numbers for 6 months and that order must then be manually renewed. This, obviously, presents a massive and ongoing security risk to the account. PNC was not able to offer any other solutions.
PNC 's practice of retaining addresses they know to be outdated for check orders is troubling, as is the failure to provide any sort of verifiable confirmation of reorders or verification that checks mailed are received. Even more troubling is PNC 's inability to mitigate their own negligence with regard to checks that remain active and unaccounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: JPMORGAN CHASE & CO.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I was scammed by a phone number pretending to be amazon on XX/XX/2021 and transferred money to them. I ordered books that I had not received and was calling to get a refund. They said they needed to do it through my checking because I used my girlfriends card and since her name was not on the order it had to be mine. They asked for the last 4 of the debit and said they didn't need the whole number but it did not work initially so I allowed them remote access to see what was going on in the amazon app. This person then transferred me to a manager in the " banking department '' who walked me through the scam. I realized something wasn't right because this person started asking about bitcoin and cryptocurrency to which I have no dealings. I let them know that I would be hanging up and calling my bank. This person called me back from a XXXX number to which I let them know that I would be going through my bank. I tried to call and stop the transaction while it was pending but I could not. The number that XXXX provided as amazons number is XXXX, they then transferred me to a manager in the banking department at XXXX and this person had me fraudulently enter a verification code/transfer a dummy amount of {$490.00} to " XXXX XXXX '' to make sure they matched the account that was on file with amazon. This was through XXXX and the number provided for the transfer was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
someone committed fraud by using my credit by going through AWA COLLECTIONS and also through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: EQUIFAX, INC.
State: NV
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 


I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The incident occurred on XX/XX/XXXX when I accidentally left my phone and and serve prepaid card at the store. The last transaction that I had made was at an atm in the amount of {$200.00}. Due to the fact that I was getting ready to go out of town ... and on my phone my XXXX account information was automatically saved into my phone. When I realized that I had left my phone and card I went back to the store to get it but it had been taken. When I returned from out of town that Monday the XXXX I reported and sent in the dispute form to serve and in the XX/XX/XXXXthey denied my dispute because XXXX said that these items were shipped to my address that I received them but when I look on my XXXX account it says items were left on front porch. I was out of town and then they caught one of them and returned item to shipper and it was received on the XX/XX/XXXX and I have yet to receive the refund for that item in the amount of XXXX. And my XXXX account is on hold because they withdrew payment for all of those items but at the same time there was also two charges made at XXXX XXXX to my card while I was out of town. I have filed a complaint with the XXXX XXXX XXXX as well asking to show proof that I made these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX Sent {$700.00} credit card payment to U.S. Bank XXXX U.S. Bank only credited my account {$100.00}. 

{$100.00} applied left a balance due which incurs an interest charge, instead of {$700.00} that covers total balance avoiding interest charge. 

XXXX XXXX Received new bill and caught error. Called U.S. Bank, rep. XXXX who advised since posting matched amount my bank deducted from my checking account nothing can be done to avoid the interest charge. I won't pay interest for their error. Please help.

1

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 2021-10-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: National Credit Adjusters, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Contacted XX/XX/XXXX when noticed it was on credit, never received notice of right to dispute, never received any written notification. Contacted direct creditor XXXX XXXX XXXX who told me that this debt was not even held with National Credit Adjustors, but instead was held by XXXX XXXX XXXX. Called XXXX XXXX XXXX, paid them. Found out today, XX/XX/XXXX that XXXX XXXX XXXX did not own the debt and National Credit Adjustors did. I had received written notification from XXXX XXXX XXXX but never National Credit Adjustors.

I contacted National Credit Adjustors again today to let them know the debt had been paid already through another company and gave them one more chance today to resolve this, Mrs XXXX was told written notification from their company was never received so I let her know I would be filing a complaint due to that happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After 7 years of having a capital one credit card they closed it without notice. I never received anything in the mail to let me know nor did they give me a warning i needed to use the card to keep the account. I never had issues and this was my longest standing credit card. After they abruptly closed the account my credit took a 45+ point hit. This is detrimental to me as i was in the middle of trying to purchase a home. I have another credit card with them as well as a now paid off car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My name is XXXX XXXX , I have noticed many incorrect and unauthorized items appeared in my report. I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2021-09-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Account reported as paid in full the company contacts advising payment due repeatedly informed not what I was advised the card was lost and account had been closed for some time so nothing was due. Disputed balance supervisor advised they were escalating and enrolling in covid 19 payment plan where as no payments no fees would be assessed for 2-3 billing cycles to ensure adequate time was provided to be properly escalated with no further issues and this was occuring during death of immediate family member. 

I did not hear back from him by the end of the date provided so i paid in full with live agent end of XXXX again reconfirming i was disputing and that once remedied in my favor refund. 

Company repeatedly advised allow 30 days to see it rectified on credit bureaus then they completely switched gears saying it is accurate. NO IT IS NOT I HAVE NEVER BEEN 30 DAYS LATE IN ALL THE YEARS THIS EXISTED LEAST OF ALL 60-90 WHEN THE BALANCE IS LOWER THAN IT HAS EVER BEEN ONLY FOR ME TO PAY THE ENTIRE BALANCE JUST LIKE THAT. 

I know what I was advised twice over and I paid again under protest at the exact moment the arrangement ended further illustrating the arrangement in place

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had deposited a check for XXXX and a check for XXXX I was promised that my money would be available by today and when I went to check my account my money wasnt available I was lied too

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Both XXXX XXXX and Midland Credit Management were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked Midland Credit for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that XXXX XXXX, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, Midland Credit has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM DEMANDING THAT YOU CEASE AND DESIST ALL COMMUNICATIONS WITH ME THE CONSUMER VIA MAIL, TELEPHONE, SOCIAL MEDIA AND/OR EMAIL. I am demanding and requesting that CITIBANK/CBNA CEASE ALL DEBTS AND COMMUNICATIONS. IF YOU CONTACT ME YOU WILL BE VIOLATING MY CONSUMER RIGHTS. CEASE ALL COMMUNICATIONS PURSUANT TO 15 USC 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS ( Select Portfolio Services ) obtained my mortgage and have charged fees to make electronic payments. The only way to avoid fees is to mail in payments or subscribe to automatic withdraws. 
Initially the payment fee was {$5.00} and now the fee has increased to {$15.00} with no other payment options other than by mail or automatic withdraw. 
Additionally, they did not offer to waive the late fee since I have never made a late payment. My bank mails my payment directly to SPS and the XXXX payment was not received and this is when I discovered that the payment fee had increased to {$15.00} and add to this the {$38.00} late fee. 
I feel that these fees just for customers to make payments is abusive and predatory. We should not be charged fees to make payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a XXXX XXXX credit card XXXX. I closed the account XXXX XXXX due to high interest rates. XXXX XXXX has been reporting XXXX accounts with multiple late payments, negatively affecting my credit score. I only had one account with them. I have disputed with the credit bureau several times regarding this issue, resulting in verified and accurate. Each time I have disputed, dates have changed on the account, causing further inaccuracies. In addition, I have contacted XXXX XXXX on a few different occasions on this issue.

Company response to consumer: Closed with explanation