BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner sent me letters about an alleged debt that i owe them. They are reporting to the major credit bureaus that i owe this debt to them although they have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. I have requested three times by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$300.00}. I have never had an account with XXXX. Caine & Weiner states that I had an account in the past with XXXX but they have not provided any proof showing my signature on any documentation that this account is mine. I have sent them three Certified dispute letters requesting documents with my signature where i signed for this alleged debt. They have not validated/verified this account, they should not report and they need to remove the account from my credit reports. They have not provided any documentation SIGNED BY ME that supports this debt is mine. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. I DO NOT OWE ANY MONEY TO Caine & Weiner or anyone regarding this debt. Caine & Weiner is illegally trying to collect and reporting this account to the credit report. I have also contacted an attorney to sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and Equifax asking them to verify several accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been 30 days and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 keep calling and I cant get anyone to help me. Im unable to access anything online such as file disputes, manage fraud alerts and credit freezes. Every time I call they tell me I need to speak to a certain department and that they will contact me within 3 business days but no one will ever cal me back. Ive been getting the run around for two 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 non-monetary relief
Consumer complaint received 2017-12-06
Company: CITIBANK, N.A.
State: CT
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: Card was charged for something you did not purchase with the card

Complaint:
This complaint is about fraudulent charges to my XXXX card, which I believe were placed in a scheme involving Citi personnel. OnXX/XX/XXXX as I paid my card online, an ad for " oil capsules for hair '' for {$9.00} popped up. On impulse, I ordered them. They arrived but I did n't like them. However, the XXXX statement had an UNAUTHORIZED {$89.00} charge. I called Citi to report the fraud. The Citi agent '' XXXX '' stated it was for " XXXX 's XXXX XXXX '' ( in AZ ; I am in CT! ). She insisted that my order for oil capsules CONSTITUTED AN AGREEMENT to all charges made by " XXXX 's '' or " CaringWorks '' the capsule supplier. I objected and " XXXX '' agreed to reverse the charge ( she did XXXX, and replace the card. However when I used card # 2 the {$89.00} charge reappeared. I called " XXXX '' again and told her this was fraud. THERE WAS NO CONTRACT to allow these charges. After 3hours of my protesting " XXXX '' said she must consult " security '' ; after I waited, " XXXX '' came on but said I had agreed to the charges. OnXX/XX/XXXX I paid {$410.00} on the card, for American flightsXX/XX/XXXX, which were not listed, ( only {$600.00} non-itemized fraud ( Documents attached ) I need to have this scam cancelled.

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 2020-05-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ALL " CRA '' CONTINUE TO REPORT OUTDATED AND INCORRECT DATA OF ACCOUNTS NOT MINES/ NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX '', XXXX XXXX AND UNAUTHORIZED INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I first open the account I was getting overdraft fees the account was not updating correctly for my amount in the checking

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 2021-04-25
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, BinanceXXXX is a cryptocurrency exchange. I have attached a file with all of the information I could find on this company, including address, parent company name/info, etc. 

I have deposited {$1000.00} over several separate transactions and used the money to buy multiple cryptocurrencies. As of this email, I have over {$1800.00} based on the current trading prices. 
About a week ago, binanceXXXX locked my account with no real explanation. Any trade, deposit, or withdrawal transaction that I try generated an error that my trading is suspended ( screenshot attached ). I received an email with instructions to upload a video, a copy of my ID, and a bank statement in order to unlock the account. All of which I have done and since then any of my emails to the company are not returned. They have no phone number listed, no direct email to customer service, no way of talking to a real person. Everything is done through 3rd party customer service website by opening a service ticket. My ticket number with them is XXXX. 

At this point, I just want to be able to withdraw my money and close my account. If there is anything you can do to help me deal with this company and let me access my money, would be greatly appreciated. 

Thanks, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/21 I traveled into XXXX to get medication for my mother. The location is in a very bad area of town which I am not familiar with as it is about an hour away from where I live. I was in the need of cash to pay for the medication and needed to use my CheckCard with Regions Bank. My card was declined at the location. I think tried to find a bank branch near by and the closest was an hour away which was too far. I attempted to go to various ATMs to take out cash and the card continued to be declined. I have plenty of money in the account so I was not sure why this was happening. I continue to call the bank and due to phone issues they were having I could not get through. Being unfamiliar with the location and driving around I became very anxious and had a XXXX XXXX. I eventually used a credit card and had to pay a cash advance fee of {$50.00} pointlessly. I should have been able to access my money at the bank. after 4 hours I finally got through to the bank and they informed me that they canceled the card due to me not using it enough. They stated is you do not use the card in 6 months they turn it off. With Covid I am not going many places/traveling so I do not have the demand need for cash and when I do there is a bank 5 minutes from me I usually can go to. This Term of the card is no where to be found in any of their marketing material or even the tiny print on the Agreement & Disclosures Statement. This is a horrible business practice to deny access to my funds with no communication of this term at the point of getting the card and or at the point in time in which they turn off the card they could have emailed me to notify me. They have no issue emailing me to sell me or inform me of other banking activities. I called and filed a complaint with the bank and I was at that time informed that the bank will most likely not look at the complaint or review it. This was incredibly disappointing as in my perspective this is a stipulation of the card consumers should be notified in some way.

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 2017-12-06
Company: Ocwen Financial Corporation
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I h have a mortgage through Ocwen, I did miss a few payments but two months ago I resumed making payments and they started sending them back. They said they would not accept any more payments on the account unless I could bring the account completely current. I called the company 2 inquire about a loan modification. The call was accepted by someone in XXXX, who spoke so quickly I could not understand him. I requested him to slow down so I could get the help that I needed and he did not. I requested to speak to someone who either would slow down or put me in contact with someone who spoke English he said he would help me and did not transfer me. I downloaded the loan modification papers and fax them to Ocwen 3 days ago and now they say they did n't receive them but I do have a receipt saying that I sent them I ca n't get any help it 's like they want to foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: U.S. BANCORP
State: OH
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:
With my Kroger Rewards Master card issued by US Bank, I make sure that I have auto payment mode turned on. I made a payment on this card earlier than the scheduled payment. Now, still they are deducting my payment for this month even though I turned the auto payment option off. This us the second time this particular incident happened. The payment will go through and deducted from my checking account and that messes up our budget. We are only on Social Security for our fixed income and something like this greatly affects us. Now we have to borrow to cover up for this Card 's gross mistake. It takes them somewhere from 7 to 10 business to refund me. I have other credit cards and when I pay my required payment even before the due date, it's considered as having made and satisfied my monthly obligation. I'll have to call them up again and probably wait for up to 10 days to get my refund. Please help.

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 2019-08-26
Company: TD BANK US HOLDING COMPANY
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:
After changing to a commissioned based job from salary, I fell behind in this payment. The new company was the right choice as now I earn 3 times the income however, it cost me some missed payments. When I began to earn a better living I was able to catch up on missed payments. I called and explained my situation with a customer service representative and I was told they understood and were willing to help me remove my 4 missed payments if I brought the account current. I  was not quite ready financially but I thought it was generous terms and worth forgoing other financial responsibilities to get caught up so I paid it up to date. Unfortunately, the reported missed payments were never removed and when I call they claim they never agreed to such terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX charged my account for a reservation that was canceled in an adequate time frame however my account was still charged for a no show reservation. When I called CHASE, the representative XXXX wNted me to wait 15 days for my provisional credit - to allow the merchant to return the funds of {$86.00} - which I have already called XXXX XXXX to return - to which they would not agree. 
Thus, Id be waiting 15 days for no reason. 
Not to mention - when I asked XXXX for her supervisor, she said there was none and would NOT tell me her employee info or locality, so that I could properly file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made an online payment from my XXXX XXXX XXXX XXXX account on XX/XX/2019, it was posted to my Wells Fargo Bank Secured Credit Card XX/XX/2019. However, my {$250.00} payment has been on hold and will continue to be on hold until XX/XX/2019, unless I fax proof the payment debited my checking account. In the meantime, I wonder if I am being charged 28 % apr everyday my payment is on hold and how long WFB has been processing my payments this way and to how many others. In the meantime, WFB is earning interest on my payment and not making my credit available to me for use. I had to fax a copy of my bank statement with my name and account number as well as my credit card number for them to release the hold on my credit limit. ( which I did today )

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 2017-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX and XXXX, 2019 a company by the name " XXXX XXXXXXXX XXXX '' just popped up on my XXXX, XXXX, and Transunion credit report file. The original debtor is XXXX XXXX XXXX! This account does not belong to me, as all my bills have always been in my husband 's name. When I try to contact XXXX XXXX XXXX, my calls are not be accepted, their recording says their too busy to take my call. I have filed a dispute with XXXX and Transunion.

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 2020-05-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
American Express offers " create a plan '' for larger purchases where you can make payments over months with NO INTEREST. What they fail to disclose is that there is a charge for doing this fixed payment plan. It's not until you go to several drop down menus that they have a tool that gives you an estimate of what fee is. However when you actually make the purchase I received another fee ( higher ) than the tool had showed. 

I feel they clearly did not state that there is a fee charged with using this upfront. Like other credit card companies they notify you of any fees ( usually represented in a % of what total amount is ). 

I called AMEX and was transferred 4 times, on phone 79 minutes and no resolution. The last person I spoke with said he'd be calling me back and see what they can do. This was 3 days ago. 

I feel it should be clearly stated that there is a fee associated with this type of " create a plan '' and this fee or % should be accurate not change once a purchase is made. I could had made this large purchase on another credit card that offered NO INTEREST til 2021 if I'd known about this charge from AMEX which is roughly 5 % fee they are charging to use this " create a plan ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
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 was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.

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 2021-03-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Notified to validate for 8 months with no response of valid debt from the bureaus or company. inaccurate information reporting on my credit report. collection account is not accurate or valid

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 2021-03-04
Company: Credit Technologies, Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found the following item ( s ) to be in error.

By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2019-02-05
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : I attempted in many occasions to settle a debt I had with American express. Whenever I had a verbal agreement and tried to make payments, they cancel the original agreement. 
After many unsuccessful settlements I asked for the last agreement to be in writing. On XX/XX/XXXX I I received a detailed confirmation of the settlement as indicated on the attached copy. I have been making payments on time as per agreement. To my surprise on XX/XX/XXXX I received another letter asking me to pay the entire balance that was the reason of our initial dispute. 
The copy of that letter as well as the payment confirmation are attached to this message. 
Hopping to hear from you very soon. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Orions Management Group, LLC
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:
The company Orion has called me repeatedly. They wanted me to verify my social security number. I refused. As I tried to explain to " XXXX '' that I wasn't comfortable with that as my identity was stolen he refused to listen said he would just " assume '' that it was my debt and they would proceed to sue me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation