BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I paid off the debt. wont send me a paid off in full letter said this will stay on my credit report for 7 years and there is nothing I can do. I did n't realize i had the debt I looked at my credit report and seen it. I called the number to see what it was about. I paid it off why dont I get a paid in full letter and why is this now going to affect my credit for 7 years?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020, I enrolled the Staple personal account credit card, because they were advertising a {$50.00} credit if made a purchase of $ XXXX. Before I enrolled and made the purchase, I called the customer service to make sure I would receive the {$50.00} because I was going to make a purchase over {$300.00}. My call was transferred from the business account department to the personal account department. I asked the customer service why I didn't see that {$50.00} credit on the order that I was ready to place, and they told me the credit will show up on my first statement. 

On XX/XX/2020, when I was going to pay my balance online but I still didn't see the {$50.00} on my statement, so I call Staple again. They told me a totally different story that there is no such things for personal account {$50.00} credit. it was for business account. 

I told them that I was told the {$50.00} will show on my 1st statement per the customer service department, but they said no, it was a wrong information. and that's it. there is nothing they can do. 

I am filing this complaint against Staple.com due to the fraud advertising information and inaccurate customer service response to make customer to enroll to their credit card which increased the inquiry of my credit history and it affected my credit score due to the unnecessary extra inquiry.

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 2019-07-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Recently CHASE has been doing the most unscrupulous banking tactics that are both unconscionable and unacceptable. 
CHASE has been paying ACH and outstanding checks - as they have done repeatedly, setting past precedence, since my bi-weekly payroll deposits are consistently done. 
However, recently, CHASE has allowed ACH and checks to pay, only to reverse and send back, causing unnecessary charges on both sides. 
This has cost me astronomical charges in the hundreds of dollars!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05
Company: Waypoint Resource Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a dispute with Waypoint Resource Group about a XXXX bill that I never signed up for ( XX/XX/2018 ) - it is possible that a family member used my payment information without my knowledge. 

At this point, I am perfectly willing to pay the ~ {$300.00} to get it off my credit report but every time I call the collection office, their lines are busy and I can't connect or pay through an online portal. 

I would like to negotiate this bill lower due to my lost time in contacting them, and my ( at best ) partial responsibility for the bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SUNTRUST BANKS, INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off. 


I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help 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 explanation
Consumer complaint received 2018-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
We have tried to get this company to do the correct thing in removal of in correct items off our Credit Reports ; to only encounter prolonged wait times and each time taking an additional 30 days when the item was not investigated properly for removal. Supportive Information being sent over and over to not get the results due the consumer. Often this keeps score lower than they should be and incorrect denials of Credit due to inaccurate items on your Credit Report. You should not have to wait an additional 30 days once the initial complaint is filed this should get this investigated for automatic removal an a re-score sent to the company that rejected the consumer with a explanation as to what happened with your 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 2021-04-13
Company: MoneyLion Inc.
State: AZ
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:
A family memeber of mine opened a loan in my name without my knowkledge or consent online with Moneylion. They were allowed to open the accoutn online by Moneylion without verifying identity of the person opening the account, no signature was oobtained or compared to the drivers license to verify the identity as well. I didn't know this accoutn was opened in my name until I check my credit report In XXXX. When I saw this accoutn on my credity I called to figure out what it was. I was told there was a balance on this account and that it couldnt be removed from ym report until i paid it, which I paid out of my pocket to get it remioved. I filed muiltiple disputes with Moneylion. I have contacted Moneylion multiple times to get this rectified and they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
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:
I called HSBC in XXXX about two charges on my Mastercard statement which I did not make so I paid everything but those two charges and was told they would be taken off. They closed that account and issued me a new card. Later that month I received an email stating I was delinquent on my account and charged a late fee even though I paid the remaining bill on time. I have sent several letters and copies of my statement to at least four HSBC locations but did not get any response from HSBC. 

It is now XXXX and nothing has been resolved. Now I'm afraid my credit may be in jeopardy. I just want this to be looked into and resolved. I am very uneasy about not being able to hear back from HSBC which is a large institution. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Allied Collection Services, Inc. (Nevada)
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent verification/validation letter to XXXX and XXXX the week of XX/XX/2017 and after there was no validation of the debt XXXX delete this debt than added it back to my credit report and XXXX  or Allied never sent anything proving this debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
I have a car loan from NISSAN MOTOR ACCEPTANC, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NISSAN MOTOR ACCEPTANC and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NISSAN MOTOR ACCEPTANC with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We believe that XXXX is bent on foreclosing our property if not a Shylock type modification will not be proposed. We hereby acknowledge receipt of your proposed modification, however we do not agree with the terms and are therefore not signing it. Reading through the agreement, we concluded that it is a case of once bitten twice shy. The terms thereby are by no means " modification '' as you call it, and do not proffer any solution to our current predicament. You put the interest rate at 4.95 % which was what it should be anyway as this was the interest rate prior to the previous modification. We faxed you a copy of the agreement with XXXX XXXX  to reduce the initial interest rate from 5.9 % to 4.95 % but you claim you did not receive it. Also on your modification, we will pay {$3200.00} for 417 months and at the end of maturity of the loan we will still owe you {$130000.00}, please explain what you mean by that. And what do you want to change the maturity date? We would not have agreed to that anyways as we dont want to pay mortgage into our graves. If you claim to reduce the interest rate why do we still owe you this much. Also how did the principal balance get up to {$520000.00} from {$520000.00} when it was transferred to you? It not does look like your investors are ready to provide any help in anyway. This obliviously seem like another sharp practice and we are not falling into this trap again. We just sent you the rest of the required documents on Monday XX/XX/XXXX, your modification is dated Tuesday XX/XX/2017, this tells us no due diligence was put into this modification agreement. We hereby seek a short sale or deed in lieu if no reasonable modification can be offered. We are tired of all these sharp practices and Shylock decisions and we need our peace. Attached is a copy of the XXXX XXXX  interest rate reduction. So how have you helped us? We were having trouble at 4.95 % that was why we had the modification then. Current home mortgage rate are in the 3 %. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to United Wholesale Mortgage in XX/XX/XXXX. I enrolled for autopay on XX/XX/XXXX as confirmed in attached email. The first autopay was set to draft on XX/XX/XXXX as confirmed in attached email and we made the XX/XX/XXXX payment manually. On XX/XX/XXXX we received a letter that our account is delinquent and XXXX payment has not been received, late fees were assessed. We checked our account and the mortgage payment was never pulled for XXXX. I tried calling the company and they were closed so I used the chat option on their website to explain the issue. I received a response that my next payment was scheduled to auto draft on XX/XX/XXXX ( see screen shot of chat attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Guild Mortgage Company LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We opened escrow on our house on XX/XX/XXXX, 8 days in and Guild has not ordered an appraisal. 2 days ago we asked them to transfer our file to another lender who was giving us a way better interest rate and no junk fees. Still by end of business today they have not ordered an appraisal and/or transferred our file so our new lender can order the appraisal. They have wasted over half of our 17 day contingency window.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AARGON COLLECTION AGEN XXXX XXXX XXXX Account type Collection balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Your statement** CONSUMER STATEMENT** MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.

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 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Collection US DEPT ED XXXX Balance {$570.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance {$4200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$6200.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5100.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$9500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5000.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5500.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$5300.00} Date opened : XX/XX/XXXX US DEPT ED XXXX Balance {$11000.00} Date opened : XX/XX/XXXX Late Close : XXXX-Balance $ XXXX Opened : XX/XX/XXXX AXXXX-Balance $ XXXXDate Opened : XX/XX/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
Consumer complaint received 2019-03-31
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:
I've provided enough information for these companies to conduct a thorough investigation. 
XXXX XXXX is reporting inaccurate on my credit report with XXXX  and Transunion and they refuse to delete the accounts.

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 2017-09-13
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:
Between XXXX and XXXX 2017, Equifax was hacked for over 140,000,000 credit reports. These reports included social security numbers and birth dates, everything needed for successful identity theft. This can have enormous repercussions if this data are ever used to forge my identity, and I must protect myself accordingly. Given the size of the US population and the number of individuals with credit information, it is highly likely that my identity was compromised in this hack. This high probability mandates that I act as if my information was stolen due to the negligence of Equifax in storing my information in an insecure manner. They should not have disclosed my information ( knowingly or unknowingly ) to anyone but me. 

This data will be in the hands of those who stole it for the rest of my life. Given that my social security and birth date will not change ever, this puts me at risk for identity theft for the rest of my life. In order to protect my identity for the rest of my life, I need to purchase ID surveillance software in perpetuity. The cost of standard packages is $ XXXX/month. Given that I am XXXX years and XXXX months old, and the social security administration estimates my lifespan at 82.2 years, this means I will need to pay for this service for an expected 54.7 years, which is a total of {$13000.00}. I would like this money given to me now to compensate for this negligent improper use of my financial and credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: CITIBANK, N.A.
State: WA
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:
On XX/XX/XXXX and XX/XX/XXXX charges were made on my Citi Bank Credit card, that I did not make or authorize. Citi contacted me via text message asking if charges were legitimate, I contacted Citi bank on XX/XX/XXXX and told them I did not make or authorize these charges. Charges were made at XXXX in XXXX XXXX, La and at XXXX Oh. I have never been in either State nor do I allow anyone to use my Credit Cards. My Identity was stolen in XXXX and I have had several fraudulent transactions attempted in my name, including a SBA Covid Disaster loan. The Credit Card Co is saying I made the charges and wants me to pay the bill. I am getting notices that the bill is past due. I have called the Citi Bank at Least 12 times and this issue is not resolved.

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 2018-01-26
Company: JPMORGAN CHASE & CO.
State: CA
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/XXXX there was a {$200.00} ATM withdraw from my bank account that I did not make. I was so suprised because my card was still in my wallet ... So I called Chase as soon as I realized the amount was taken which was the next morning XX/XX/XXXX around XXXX XXXX. I filed a fraud claim and they credited my account {$200.00} while they investigated. I thought great they will check them ATM camera since it was at there own branch ill get my money back it 's not as bad as it could have been. NO I WAS WRONG!!! I recieved a email to call chase so I called chase and they need more info to resolve my fraud case. They asked if had my debit card, if I ever used this ATM and other basic info I answer I had my card and that was the bank actors the street from work and I opened my account there. I was then told they would email me there response. I did n't think I woukd receive a email on XX/XX/XXXX stating they are reversing the {$200.00} credit. In shock I called Chase and was told that since I had my card and used the same ATM I could not prove it was n't me and that there is NO way someone could make a card with a chip and take money out of a ATM .... pretty much acusing me of takimg my own money out!!! Wow!!!! I asked them did they review the camera they said no u need a subpenoa to get the footage!!! I was flabbergasted how could they allow someone to walk up to the ATM take my money and tell me sorry you owe us NOW and are charging me overdraft fees returning payments! I have now filed a police report and trying to obtain a subpenoa to get the camera footage to prove my innocence and get my hard earned money back. Can you please help me with this this unethical company!!! I was a loyal customer for 8+ years and never expected that someone could steal my money and I would have no protection. Please share I know chase is doing this to more people and it 's just wrong.

Company response to consumer: Closed with monetary relief