BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-18
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for several days to speak to someone about my mortgage. They WILL NOT allow you to speak to an agent / no one answers the call. How can this be allowed?? A mortgage is most people 's largest financial investment that they ever make and this company is absolutely not fit to be in business. Their web tools do not work. I have 2 mortgages with this company because the bought my loans. I did not choose them. How can CFPB allow a company to act this way with such horrible customer service? This is an industry that is too important to allow a company like amerihome to take over my mortgage without my choosing or consent and then not provide a usable website or any live agents. This is insane. I can easily get someone on the phone for any service that I use but I can't get a live service agent on a mortgage??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Somebody opened a credit card in my name. I called ( per the instructions on the FTC website ) to resolve this matter and the Fraud Department refused to help me. They stated that I could not verify the correct information ( because I was calling to report fraud, someone fraudulently opened a card in my name ) and refused to help. I gave all my correct information, which would match my credit report or any background check and they proceeded to state I wasn't who I said I was and that the account didn't belong to me. After I was calling to cancel this credit card that was opened fradulently and sent to my parent 's address! And this was the companies fraud department!? The manager refused to help me as well. I first spoke with someone named " XXXX '' then the manager " XXXX ''. Both refused to give last names. " XXXX '' gave an employee # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-03
Company: Experian Information Solutions 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:
These Accounts are Fraud, I have no Knowledge of all accounts on this Report no one has any Consent to open any accounts without my Authorization THIS IS FRAUD!!!!

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 2020-08-26
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
How r u doing today? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus about an unknown charge off account from CCB/XXXX  CARD # XXXX. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CITIBANK, N.A.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021 there was a hard inquiry added to my report for a mortgage loan.I was at home when i received the alert. I have never inquired about a mortgage loan. I would like to get this removed from my report as it is incorrect or an error.

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 2018-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
reporting an incorrect account, incorrect account number, a missing field of XXXX- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act

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 2018-05-21
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Were both in a bankruptcy I filed on XX/XX/2014. Both of these accounts continue to update showing negative balances after the bankruptcy was discharged over 4 years ago. 
I have tried several times to have this issue resolved the credit bureaus and the furnishers but with no success.

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 2022-12-18
Company: FIDELITY CAPITAL HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Bread Financial Holdings, Inc.
State: TX
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:
I have purchased a diamond ring for a {$570.00} and promotional 0 % interest for 6 month beginning XX/XX/XXXX. After that i purchased a pair of diamond earrings for a price of {$900.00} and 0 % promotional period for 12 months beginning XX/XX/XXXX. Every statement from the Comenity Bank - Zales Jewelers showed 2 separate plans and dates and amounts needed to be paid off to avoid paying accrued interest. I have paid off first plan ( 6 months long ). My mistake was that i didn't pay attention to exact date, was late few days and accrued interest was added to existing balance. I am not disputing this. Payment I submitted was enough to cover payoff amount plus minimum payment for XXXX of XXXX. 
Adding {$71.00} apparently was not enough for this greedy bank. Next month statement suddenly changed payoff amount on second plan and started charging monthly interest on remaining balance. I have contacted bank on 3 separate occasions to resolve this. Once they run out of arguments, they simply hang up. One rep even told me that their system doesn't know when you submit payoff amount to which plan to apply payment. 
Until now they charged me {$33.00} interest on 0 % 12 month plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: JPMORGAN CHASE & CO.
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 put in a dispute to my VISA Chase card when I did not receive the service I paid for from XXXX. The credit card said that they allowed the merchant to be paid without providing the service because the merchant provided an fake email from another person in my family, who is not allowed to use the card, stating that I no longer wanted to dispute the charge. If I didnt want to dispute the charge I would have contact the bank, not the merchant. Technically, The credit card allowed someone not on my account to cancell the dispute. Although no one in my house did. I asked to see the proof of this statement and they ignore my requests. I wrote to the Chase executive office, and the Dispute Department of several occassions with no answer. I requested to see the document they claim ended the dispute. My complaints are this : 1. No one should have access or any say regarding my accounts except the people on the account. I provided a signed statement from the person they claim told the merchant that I didnt want to pursue the dispute, stating that he did not such thing. THE DIRECTION TO CANCELL A DISPUTE I PUT IN SHOULD COME FROM THE CARDHOLDERS TO THE CARD, NO TO THE MERCHANT. I SHOULD HAVE BEEN CONTACTED TO ASK THAT THAT DOCUMENT WAS TRUE AND LEGITIMATELY FROM ME. The dispute department is in XXXX and so is the merchant. This is illegal. This has been going on for months now. I just keep sending the same things to then as second and third requests for an answer. Pls help I received no service for the {$400.00} charged. That should be proof enough.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Recently, Costco terminated their agreement with XXXX in favor of an agreement with Citibank. Without customer authorization of any kind, they opened a new account and issued a VISA card. I had no balance on my XXXX, as I do n't carry a balance so there was no outstanding balance to transfer. I did not activate the card, but I went to Costco - and told them I did n't want a VISA. I got a regular Costco membership card ( with no credit features ) and destroyed the Citibank VISA I had received. Then, Costco charged a membership renewal fee to the VISA card ( that I destroyed and told them I did not want ). When I called to complain, they said it would take XXXX16 business days to remove the charge, so I could pay the membership fee in cash. That would cause a late fee on the Citibank VISA card, as 14 business days is after the due date - even though I called as soon as I got my statement. Costco should not have been able to issue a credit card that was not requested, activate it XXXX to charge a membership fee ), and fail to cancel it upon notification that I did not want the card.

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 2020-09-11
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Canceled an XXXX XXXX XXXX cellular account years ago and XXXX XXXX XXXX never closed the account then when they did they tried to charge 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 2018-07-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My local Chase branch closed due to COVID-19 and I have been unable to make deposits of cash or special checks ( like US Treasury checks ). We have therefore had cash flow issues. 

On my credit card ( ending in XXXX ), I paid only the minimum payment even though I am usually a " pay in full '' customer. I was only able to make the full payment of the balance on XXXX XX/XX/2020. 

I requested a reversal of the {$500.00} of interest charged in XX/XX/2020, and {$510.00} of interest charged in XX/XX/2020. I explained to Chase that not only was their branch closed, but that I was unable to use their website due to a persistent error that made it impossible for me to add a " pay from '' account. 

I do not think this is a fair situation. I have tried to call Chase multiple times and have had difficulty reaching someone due to extraordinarily long hold times. Furthermore, other branch representatives have told me multiple times to " not worry about it '' and that fees and interest can always be taken care of later. Chase also says in public that they are assisting customers who need assistance due to difficulties with COVID-19, but I am not satisfied with their response. I have been a very good Chase customer and have always paid my bills on time. The only reason I was not able to make my full payments on time during in the past couple months was due to Chase 's decision to close their branch, make it impossible to reach someone by phone, and not have a working website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In reference to complaint XXXX ; DCI contents an initial balance letter was mailed. 

THIS IS A REQUEST FOR THAT INITIAL LETTER. 

THIS IS NOT A DUPLICATE. 

THE INITIAL LETTER HAS NOT BEEN SENT IN ANY RESPONSE. 

SEND INITIAL BALANCE LETTER AS INDICATED ON COMPLAINT XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
When I started my XXXX I was told by Bank of America I can only open up a secured credit card through my XXXX which I did and gave {$1500.00} to them for a CD. They never graduated the account and now would like to just close it out and request back my money from the certificate of deposit.

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 2018-07-30
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:
I have accounts reporting on my credit file that do not belong to me. This includes the XXXX XXXX account. I have no clue to where this account originated. I have submitted complaints the credit agencies asking them to remove this account because this account does not belong to me. Please assist me in getting this issue rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Beneficial Mortgage is in violation of 12 CFR Part 1024 ( Regulation X ).  On XX/XX/XXXX they insufficiently responded to CFPB case number XXXX in the following manner. 1- They have not explained why a wrong address and zip code was used in several documents as described in my original complaint. They did not provide a copy of the alleged tax return document they claim was used as part of the application process. 2- They  have not explained how the legal description of the property that is allegedly used as security for the mortgage is not the legal description of XXXX XXXX XXXX XXXX . They reference Tax Map Number XXXX as a means of identifying said property. Tax Map Number XXXX is the same Tax Map Number used for three of my deceased parent 's properties ; all with individual deeds. It is well known a Tax Map Number is not a legal means to identify a specific property. 3- They have not explained why the account number was changed. 4- They state they erroneously provided the wrong persons credit report which was not my deceased mothers, however, they did not provide me a copy of the correct credit report. 5- They still have not explained why they have the wrong birth dates for both my deceased parents listed in the credit reports they provided. 6- They have not explained why they can not provide a copy of the appraisal for the XX/XX/XXXX mortgage they underwrote. Beneficial continues to misrepresent the facts and continues to avoid answering my QWR 's with truth and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute the account multiple times with the credit bureaus and collection agency that it was not my account and it belonged to my ex-husband and I have not been sent any proof to validate that it was my account and I have also reached out to the original creditor and was advised they could not locate me in their system in order for them to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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:
On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting CAPITAL ONE BANK USA NA ( Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank will wells fargo. I only had a {$1.00} in my checking account. The company allowed a payment of XXXX from XXXX to come in. I ask wells fargo before to not allow debits to come in if the money is not available and the wells fargo did it again. I have {$35.00} NSF fee, because of it. I called and spoke with XXXX XXXX who did not want to help with this situation.

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