BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I reported on the telephone that I was a victim of a scam and that my card has been used without my permission. I explained that my credit limit was at XXXX and it was raised to XXXX without me knowing. The address email and telephone numbers had been changed. The initial lady was understanding she said this is fraud, she closed the account and issued a new account and set up a fraud complaint. 

On XX/XX/2019 got a letter confirming that a fraud case was opened and they were working on it. 

On XX/XX/2019 got a letter saying that they determined that I am responsible for charges because I did not identify specifically the disputed transactions. 


On XX/XX/XXXX I sent a detailed account and spreadsheet of what happened and what was being disputed. I sent this registered and it was signed for by a Best Buy representative on XX/XX/XXXX the day of delivery. Looks like the name is XXXX. XXXX I will attached a copy of the packet I sent in next section. 

I have received nothing from Best Buy and my attempts to get information by phone have failed. 

Since my letter in XXXX I have continued to make the minimum payment because I know that I am responsible for SOME of the balance. Best Buy continues to add interest on items that are disputed. Since XXXX they have added XXXX in interest charges and doubled my minimum payment to XXXX from XXXX. 

I had a account with a XXXX credit limit and now have an account with a XXXX credit limit and a balance of XXXX. 

How could Best Buy let this happen? At the most I might have a balance of XXXX my original credit limit. I never asked for an increase or charged this much. 

I need help with resolution.

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 2020-05-02
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: Account status incorrect

Complaint:
The collection agency has sent this letter to the bureaus multiple times to delete and the bureaus have refused to remove and update the records accuracy.

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 2017-11-22
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This complaint pertains to illegal business practices employed by PrimeLending ( XXXX XXXX ). 

They service my primary residence mortgage. 

As a result of hurricane Irma, I was granted a 3-month disaster forbearance payment deferment, which covers the months of XXXX, XXXX and XX/XX/XXXX, with regular payment resuming on XX/XX/XXXX. 

Despite my loan being put on hold, I get assaulted by daily calls, emails and default letters. I called PrimeLending several times and tried to explain that I am not supposed to make ANY payments until XX/XX/XXXX - which they have acknowledged every time while promising to end the illegal debt collection efforts. 
Despite their promises, I keep getting hit with collections calls, default letters and emails. 
The explanation I was given was " our system is outdated '' and can not stop sending those notifications despite me being on a forbearance plan. 

I plan on filling complaints with BBB and all other agencies and cousumer protection and advocacies entities to make this stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 filed bankruptcy and included the loan from XXXX XXXX XXXX for my vehicle in my bankruptcy. I was to return the vehicle, but it is being shown on my credit report as a repossession. I have documentation and emails from my attorney stating that the information being reported on my credit report is not accurate. I have tried to dispute this several times, but the action has not been fixed.

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 2020-06-04
Company: Bread Financial Holdings, Inc.
State: OK
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:
I payed the amount of the Zales credit card account that showed to pay the card off completely. I receive this months statement and is shows a balance of {$91.00}. I called to explain the situation and they told be too bad. These fees were accessed and that how it is. I explained to them that I payed the account off in full and they said even though you payed it on time these fees were before the due date. How is that? I asked and the response was that is how it is. The call took place on XX/XX/2020 at XXXX XXXX  central time. I spoke with XXXX in customer care I was told he was a supervisor. I made a {$91.00} payment to end the disagreement and asked for a pay off letter. This is preditory lending at its finest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I do not know who these people are. I never signed a contract with these people. They dont have a contract bearing my signature. I have never done any business with them.

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 2021-02-09
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello Chime Bank closed my account didnt give me a reason or anything. I found out my account was closed when I was at XXXX XX/XX/XXXX. My card was declined and I have XXXX dollars in my account. So I went home tried to log in my account and couldn't said account is closed. Ao I called the customer care number couldn't get through. So Monday XX/XX/XXXX I called again finally got an agent I told him my issue he looked up my account and he said I dont know y ur account is closed he asked me to hold on which I did. Then he got back on the phone and said his computer is not loading he wanted to look further into my problem. So he put me on hold again for about XXXX mins came back to the phone and said hold on again then phone hung up. So I called back got another agent told them my situation again his name was XXXX he said he dont know why my account is closed. I said I need answers and my XXXX dollars. I then told him I needed to speak to a supervisor he said hold on and transferred me back to main menu. Since then I haven t had an option to talk to a live agent says go through email. Im not getting anything done thru email either I need help with this issue I need my money thats it. They are also partnered with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 disputed with TransUnion and XXXX, and the Department of Veterans Affairs directly on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, because my account with the Department of Veterans Affairs has been illegally re-aged from XX/XX/XXXX to XX/XX/XXXX on Transunion and XX/XX/XXXX on XXXX. I know this because the Date Last Active has been changed from the original date my account was closed in XXXX to a newer date in XXXX, which means the furnisher and the credit reporting agencies are reporting old debt as new. This is a violation of the Fair Credit Reporting Act. 

Even after my four letters of disputes were sent to the credit reporting agencies and the Department of Veterans Affairs, they continue to respond back to me stating the account was verified as accurate. I did some research on the FCRA and I know this is a violation of my consumer rights and I know the Credit reporting agencies and furnishers are required to report only complete and accurate information, so how are they able to report old debt as new?

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 2017-11-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company Medical data Systems , Inc. of XXXX florida when contacted could n't provide any information or bill to show that I actually owed a debt. When I asked for the confirmation of the debt they responded that they did n't have the information and even without the information to confirm the existence of a debt they refused to remove it from my credit report. 

I called and talked with a representative, a supervisor and the both of them refused and could not provide information on the debt. They just stated it was valid. I asked for a copy of the debt and they said they did n't have it. they both also stated that they could n't nor would not remove the information from my credit report. 

They have neither the information of who owes the debt not can they provide a copy of it saying I actually owe it. 

6 phone calls were made on XXXX XXXX, 2017

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 2022-08-06
Company: Affirm Holdings, Inc
State: NV
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:
On XX/XX/2022, I requested to Affirm a dispute for the loan ID that I mentioned at the beginning. 
On XX/XX/2022, I received a message from affirm asking for more information in order to investigate further, this claim is related to a transaction using a XXXX XXXX XXXX facilitated by Affirm. Affirm informed that the process takes 30 days to come to a resolution. 
On XX/XX/2022, I sent Affirm a text screenshot evidencing my allegations, even because this dispute is related to a XXXX XXXX XXXX Affirm should follow Regulation Z under 12 C.F.R that protects customers per electronic transactions protection. 
On XX/XX/XXXX I sent another email to affirm because they still demanding payment for this disputed transaction and a case is still not open. 
On XX/XX/2022, I sent another message to Affirm because I was notified that if I don't make a payment to Affirm for this transaction I would be reported late to XXXX and until now XX/XX/2022 Affirm hasn't open a claim even though I requested a dispute process to be since almost 2 months ago " 60 days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings. Im a XXXX XXXX XXXX with XXXX XXXX XXXX and I am trying to help my client, the seller, cancel an old FHA case number on a mortgage that was not completed in the fall last year. My clients are waiting for an appraisal on their home, which cant be done until we obtain a new case number ( being blocked by XXXX XXXX ). We contacted XXXX last week on XXXX and they have failed to cancel this old case number so the new buyer can obtain one for us to complete the sale. This is costing everyone time and money. Weve received excuse after excuse from XXXX customer care. There has been no progress made at all in nearly 5 business days. I understand this is a 45 second process and we are not getting any traction at all. Please help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: Everest Receivable Services Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continuous calls for XXXX XXXX beginning on XX/XX/19 from XXXX, after blocking this number, the calls started coming from XXXX. All calls are from the same individual who claims his name is XXXX XXXX and he needs to " ensure the proper delivery of required documentation his company requires '' and also he claims " if the information can not be verified to return the call back so my records can be updated ''. 

Well I tried to call and was subjected to a computerized system that attempts to glean information from the caller. NO THANKS! 

After filing a complaint with CFPB case # XXXX, against XXXX XXXX XXXX XXXX XXXX, Everest Receivable Services Inc. started calling. I suspect XXXX pushed this to Everest after making the CFPB complaint. 

I'm including my prior complaint with CFPB attached.

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 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card 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 monetary relief
Consumer complaint received 2018-03-19
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I came down with XXXX XXXX and was unable to continue working my two jobs. I underwent a XXXX XXXXy, but luckily needed no further procedures. I had applied for a Deed in Lieu of Forclosure with Citi Mortgage back in XX/XX/2117. I submitted all of the necessary paperwork that was required of me, and moved out of the state, putting all of my possessions into storage in New York. Now, five months later I have been informed by Citi Mortgage that new paperwork is required because they changed their rules. I feel that I am being discriminated against based on a XXXX. Because I developed XXXX and was no longer able to work Citi Mortgage is making it impossible to continue with the Deed in Lieu of Forclosure. Since all my possessions are in storage in New York, I have no access to the paperwork.

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 2019-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I keep getting credit card offers from capital one saying I am pretty approved by after they run my credit it say I ain't this has been going on for a while now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
I called XXXX XXXX XXXX  to try to fix the problem and they have looked into it and found out the location of where the account was open and that it wasn't my self that that open the account due to inaccuracies.I assumed it was cleared off my credit report obviously it has not been removed. The date i notice it appeared on my credit report was friday XX/XX/XXXX XXXX very next day which was saturday XX/XX/2019 i put fraud protection and freezing on the 3 credit bureau .

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 launched an investigation into XXXX XXXX XXXX reporting of a debt with XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX  XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, XXXX XXXX XXXX is falsely reporting this as a debt owed on report with XXXX  and Transunion. THIS IS false reporting.

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 2019-09-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2019-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of 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 2018-03-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
In XX/XX/2018 I was sold a service called XXXX which I charged to my Synchrony Bank/Care Credit account. The service was sold as a facial improvement with no downtime, no recovery ( their advertisement is attached to this complaint ) The service was performed on XX/XX/ 2018. Immediately after the service I felt XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the way home from the service. The next day I woke up to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( photos are attached ). Long story short due to what happened I was unable to go to work for 2 weeks so I lost 2 weeks of wages over {$3300.00} gross wages to be exact. I immediately  contacted the merchant who did nothing to resolve the matter and blew off my complaint. At that point I went to Synchrony Bank who to date says they are investigating but expect me to make payments during the time it takes for them to investigate. I felt that was unfair and so I am filing the complaint. The merchant lied in the sales process in order to get a sale. I would have NEVER EVER done this if the merchant told the truth. I am asking for an adjustment for the lie. While the service was performed, there has been NO result and I lost 2 weeks of work in pain and looked absolutely horrible. I still have XXXX XXXX XXXX XXXX XXXX XXXX over XXXX months after the service.

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 2017-11-22
Company: SYNCHRONY FINANCIAL
State: FL
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:
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card 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