BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: MI
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:
Unauthorized charges were made to my Pay Pal Mastercard in XX/XX/XXXX. There were two charges to XXXX XXXX XXXX XXXX in the amounts of {$590.00} and {$730.00}. I immediately called the XXXX number on the card and let them know that I did not make those charges. About 10 days later the charges were removed. They sent me a new card. After a few more weeks, the site kept telling me I was due a refund of {$1300.00}, the amounts of the two charges. I called the XXXX number again and told them that those charges were already removed, and that I was not entitled to any more refunds. The agent we spoke to was very clear and said that the refund was to be sent to me, and that if I didn't want a check sent, they would credit my account. I told him I didn't want to be stuck having to pay this back if it was a mistake, but he reassured me that it was not a mistake and sent the check to me in the amount of {$920.00}, a smaller amount than the original, since I had already made other charges on my account. I received that check on XX/XX/XXXX and put it in the bank. On XX/XX/XXXX,  I noticed that my account showed two items listed as " Balance Transfer ( TB ) '', one in the amount of {$590.00} and the other for {$730.00}, the same amounts previously fraudulently charged to my account in XX/XX/XXXX. I called to inquire and was told that it was because I was not only credited by the original resort that charged me, that I was also refunded by Paypal, and that I could not have both. I told them what had happened when I called to inquire about the refund they insisted was due to me, and they said it was a mistake. It was not my mistake, it was their mistake, and now they are trying to make me repay over {$1300.00} that they insisted they owed me. Last week on Sunday, XX/XX/XXXX I disputed the new charges ( balance transfers, ) but have yet to hear from the credit card company.

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 2017-08-02
Company: Wilber and Associates, P.C.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Wilbur & Associates, P.C. in XXXX, Illinois, claiming a debt of {$9900.00} was owed to them on behalf of their client. They claim that I was in an auto accident with the client on X/XX/2017. There is no accident report filed, and no proof given ( no report of the model of the car involved, license plate number, etc ). This is a bogus, scam claim. The company is threatening that they will send their documents to the state for review in order to get my license and registration suspended.

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 2020-08-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We went on the Wells Fargo Website and transferred money on XX/XX/2020 from XXXX, the money was taken from our XXXX XXXX XXXX XXXX account, however, it has not been deposited into the bank account. Wells Fargo has the funds and should be required to deposit those funds within a very short time frame. They should not be able to use money that is not theirs while assessing overdraft fees.

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 2018-02-17
Company: EQUIFAX, INC.
State: MD
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:
I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. Equifax, XXXX   and XXXX  is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: JPMORGAN CHASE & CO.
State: GA
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:
These credit inquiries are unauthorized and need to be removed from my credit report immediately, these issues are creating a barrier for a new business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX, XXXX, Equifax are blocking me from seeing my real credit report. I already hired an attorney and he found mortgage and bankruptcy on my social security number. The attorney sent dispute letters and all they did is send the same false credit report to me which is very confusing. The real credit report they never provided. It's locked up because they say everytime that they can't identify me, but I already provided my documents to them, but they ignored that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: U.S. BANCORP
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My girlfriend and I both have a mortgage loan through U.S. Bank. She filed bankruptcy last year and was discharged in XXXX of XXXX. I was not part of the bankruptcy at all and had no involvement. After the bankruptcy our mortgage company has stopped reporting for her on the mortgage payments which I understand ; however, they have also not reported positively on my credit which as affected me negatively ( I can not get approved for any other loans because my mortgage isnt reporting my on-time monthly payments ). All of the research I have done states that mortgage companies have to report for non-filing borrowers. 

Thanks.

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 2021-02-26
Company: CITIBANK, N.A.
State: CA
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 accidentally transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to cancel the pending transaction on XX/XX/2020 but the Bank employee told me that this will be handled by dispute. Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. The fake website which I had accidentally transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. Citibank is not protecting its customers from such fraudulent transactions.

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 2018-02-17
Company: GREAT LAKES
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted several income driven applications to great lakes borrowing services which supposedly took " several months '' to process. Within this time period I was informed that there where no payments due as I was still in deferment. After submitting the first application on XX/XX/XXXX I patiently waited for the application to be processed, which thru many phone calls I finally determined months later after receiving not a single item of mail, that they had " no record '' of me even filing a application! So of course I then filled out and mailed yet another application from their website on XX/XX/XXXX. I followed up with many phone calls to find out a status, the whole time again being told my app was " under review ''. Now finally about 5 months into this process I am told that my loans are now in a delinquent status and my account would closed and sold to collections if I did not pay the full amount immediately, which by the way had mysteriously gained interest while in deferment!! I made many attempts to set up some sort of payment arrangement with them to no avail. 

Next my account was sold back to the us dept of education, who from what I can tell immediately sold it to a collection agency, and now I'm just finding out that they are taking my full federal tax refund through something called a treasury offset!! This all seems rather illegal, uncalled for, backdoor, and downright authoritarian if you ask me but what do I know? My wife and I have a child on the way and we where really counting on our refund this year please let me know if there is anything you can do to help. 

Thank You, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested XXXX XXXX to freeze my credit report last year and still I'm being denied to freeze my report and also I've submitted my ID and Social by certified mail. I'm requesting this account to put on freeze. I don't want my information opened to the public

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 2019-06-05
Company: CITIBANK, N.A.
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 bought a XXXX Washer Machine on XX/XX/2019. I place an order online but when I got the washer it was too big and I decided to return it, Best Buy Store charged me {$69.00} for return Delivery. While I was waiting for the machine to be pick up I tried to make an space so it can fit in my kitchen and it did. I went back to the store to cancel return, the canceled it but my {$69.00} is not on my account back. I tried to fix the problem with them but theyre saying theres no way to put that money back on my account, that is called STEALING. So I want to file this complaint because Inma not fair the easily charged me but now no money back

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 2020-05-19
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I bought a house last XXXX and was told by my loan officer to pay a down payment of 19.9 percent to get a lower interest rate. He said that I would only pay PMI for a couple of months and the PMI payments would drop. 10 months later, I am still paying PMI and now my loan officer is saying that I signed an agreement to pay this for another year. He said that I was supposed to call one month after my first payment to take out the PMI payments. I have his emails stating that the PMI will come off and that I just need to wait a little more. I have paid over 600 dollars in PMI payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CarMax, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of 2017 XXXX XXXX XXXX sent me a bill which is a violation of 15 USC 1692b. 

XXXX. I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. Pursuant to 15 USC 1635 the creditor was required to disclosed to me in my consumer credit transaction that I had the right to rescind the transaction. I was never provided the forms needed to rescind this consumer credit transaction nor did Carmax Auto Finance tell me my right to rescission pursuant to XXXX XXXX XXXX. That is in fact a violation because Carmax Auto Finance withheld this information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Sequium Asset Solutions, LLC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Sequium Assets and spoke to them about resolving the {$59.00} balance owed to I believe XXXX XXXX which Sequium Assets claimed was {$140.00}. I told them I would call the cable company and pay them and after account has been paid I want this removed off of my credit report. They assured me they would remove it, 2 months later it's still on my report showing unpaid. When I call they assure me they will remove it but they don't. I'm trying to finance a vehicle and I need this off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
First Citizens Bank had a checking sign-up bonus promo of {$500.00} : " Earn {$500.00} when you open a new Premier checking bundle and complete the following requirements : - Maintain a combined Checking and Savings average deposit balance of {$15000.00} or more for 90 days - Establish a direct deposit of at least {$4000.00} per month or make 10 debit card transactions within 90 days of account opening - Open a new savings account '' The timeline for me is : - Opened and funded checking + savings accounts on XX/XX/XXXX with combined balance of {$15000.00} - Completed 10th debit transaction on XX/XX/XXXX I called the bank multiple times to inquire. One rep told me I qualified but would have to wait for the bonus to post. Other reps told me they would look into it, but never got back. I would like my {$500.00} sign-up bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-22
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
Wells Fargo collected money from me that I did not owe and is still reporting me aa late when the account was paid in full.

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 2018-02-17
Company: GreenSky, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, i received a loan from GreenSky ( via XXXX XXXX ) to do work on my home. I approved a {$7500.00} loan at 9.99 %. I currently owe XXXX on this and been paying on it since XX/XX/XXXX. However, my monthly interest even when i over pay is still coming in at above {$55.00}. My normal payments are set at {$92.00}, so almost 2/3 of it is interest right of the bat. 

The company has not explained this well and I am confused by their billing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DEBT COLLECTOR COMPANY SHOWED UP ON MY CREDIT REPORT CONTACTED ME AND USED UNFAIR PRACTICES TO COLLECT A PAYMENT FROM A ALLEGED DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This amount {$360.00} from XXXX XXXX was charged off XXXX. It is now being reported by Transworld Systems as of XX/XX/2021 with age of account 9 months old! This is ILLEGAL to reage an account. This caused my credit score to drop significantly from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CITIBANK, N.A.
State: IA
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/2019 my bank issued two checks to pay off two credit cards to Sears Mastercard. They were over nighted and received by the company on XX/XX/XXXX, they checked cleared my bank on XX/XX/2019. These are cashiers checks issued from my bank from a home equity loan I was approved for. The bank sent a letter and the checks together in one envelope. I started to enquirer on XX/XX/XXXX as to why I still getting calls that Im delinquent in my payment for these credit cards. On XX/XX/XXXX I was finally told that not enough information to identify my account number was put in the checks. I then faxed over a payment stub for the one account with my full 16 credit card number. This check is for XXXX and I was told it should take 3 to 5 business days for this case. On XX/XX/XXXX I faxed over the other payment stub for my other account in the amount of {$4600.00}. I then called again that Thursday and still nothing and then Friday XX/XX/XXXX I was told I needed the endorsed part of the cashiers check to be faxed over to them so they can see that they did cash the checks. My bank did fax over that information on XX/XX/XXXX. I called today XX/XX/XXXX and the billing person said that she saw the case open on the XXXX. I questioned her because I was told it was open on the XXXX. And then she asked if it was one check for XXXX and I told her no it was 2 different checks equaling over XXXX dollars. I feel that no one has taken responsibility of my case. I get a different person all the time with no direct line to call to ask how things are going. They keep calling me wanting a payment so obviously they are not reading my notes or notifying them that I have a pending payment case. And I am adding up interest fees and late charges and its hurting my credit score. This isnt a small amount of money we are dealing with. I dont understand why they cant see the amounts of the checks to the penny that was cashed in the XXXX and credit my accounts. I am frustrated and feel I am getting the run around. This is sears MasterCard that is backed by citi bank the cashier check # XXXX for amount of XXXX for card number XXXX cashier check # XXXX for {$6200.00} for card number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
On XX/XX/2020 i made a payment of XXXX $ to XXXX to order a card. my capitalone credit card account charged a XXXX $ cash advance fee. i called and explained that my payment is not a transfer, which according to capitalone a cash advance. i explained it a payment not a transfer. after all who transfers a XXXX . capitalone claims that XXXX billed the XXXX $ as transfer. i contacted XXXX and they explained that capitalone choose to process the payment as a transfer. here is there respone " We use two merchant codes for payments and when we pass it along to your bank or credit card issuer, they choose how to process it. 

If it happens again, you can reach out to your bank and explain this and provide the two merchant codes and ask why they charged it as cash advance since it's not cash related. '' i contacted capitalone again but their customer service trained dogs refused to reverse charges. i have incured financial damages and had my XX/XX/XXXX account restricted because of capitalone dirty practices

Company response to consumer: Closed with monetary relief