BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
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:
We were the victims of a credit card fraud which, despite promises to the contrary, the bank has not taken any visible action to investigate or rectify. 
Here is a brief chronological description of the events. Please see attachments for a more detailed account. 
-- In XX/XX/XXXX we opened a business account at Citizens Bank in XXXX, Vt.,  for a small seasonal bed and breakfast that we operate at our home. During this initial visit to Citizens Bank offices we also arranged for credit card payment services and the lease of a credit card reading machine. 
-- In XX/XX/XXXX a prospective guest reserved rooms for an extended period of time and provided a deposit of {$1700.00} which was booked to his credit card and credited to our Citizens Bank account. 
-- In XX/XX/XXXX the prospective guest then secured a refund of the deposit from XXXX, the credit card services partner of Citizens Bank. Neither the guest nor XXXX nor Citizens Bank consulted us about the refund and we were not notified of it in a timely way. 
-- Separately, the guest communicated to us that he had changed his plans and demanded a refund of his deposit from us. Unaware that he had already received a refund, we paid him the money. We later realized we had been scammed. 
-- Citizens Bank refunded {$270.00} in fees incurred after the refund to the customer caused our account to become overdrawn, and has assured us that the matter was being investigated. But neither the bank nor XXXX has provided a progress report or any concrete indication that efforts are being made to recover money or take action against the fraudster. 
-- In XXXX the Citizens Bank branch manager in XXXX, provided a contact at XXXX. The contact was able to discuss a separate issue involving the lease of the credit card machine, but he had no knowledge of the fraud case. 
Thank you for your consideration. 

Attachments : Sequence of events previously provided to Citizens Bank. Additional documentation such as bank statements and emails available on request. 

Note : We have previously complained to the Vermont Department of Financial Regulation, which informed us on XX/XX/XXXX, that it had forwarded our complaint to the Office of the Comptroller of the Currency. We have not received an acknowledgement from the Comptroller.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This is with no surprise, the so called BIG people they do whatever they want PAY-PAL, yes I saw the thousands of complaints online, but something has to be done here. whatever the reason and no reason, they are just holding consumers money in the millions, all year round for 6 months, for them it's free money, and for the IRS it's not an income. with out any regard to the financial burden, and suffering people are going through, and the financial credit ratings people suffer., because they cant get their money to pay bills. Please take a look what I finally faxed them, and they have not replied. I urge you to go online to the XXXX & to XXXX and see and read for yourself what is going on with this company.My account has had zero credit card chargebacks at any time and I have zero open disputes and claims. There is no justification for holding my money. 
there are NONE complaint, zero, and NO charge back, and I never had one not even  with XXXX or XXXX. they should release my money, holding it since XX/XX/2017. The only thing people get is spending hours on hold and get the run around, but not their money. If I travel out of my State and charge my CC, they will contact me right away, the same here with PAY-PAL, they don't want to deal with large charges, than deny the transaction, but don't accept and hold on to their money. 
This needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

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 2018-12-05
Company: National Credit Systems,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:
To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. NATIONAL CREDIT SYSTEMS # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. NATIONAL CREDIT SYSTEMS. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one bank USA ran a hard inquiry on my credit and I did not authorize this inquiry. I have not applied for any loans or credits with this institution or any other institution at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America filed an assignment of Deed of Trust on the XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXin XXXX County of Texas. The assignment was made to transfer the servicing right from Bank of America to XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, TX XXXX. 
However, below are the facts that came out to light which makes us questioning the legality of the assignment : 1. XXXX XXXX XXXX XXXX XXXX already opened a FHA mortgage loan back in XX/XX/XXXXof XX/XX/XXXXof XX/XX/XXXXon my property for an amount of {$180000.00}. The loan was made with my identity information back then without my authorization by it as lender. 

2. XXXX XXXX XXXX XXXX XXXX concealed the loan for a period of 6 years without reporting me or anyone ( Including Credit Reporting Agency ) till XX/XX/XXXX. 

3. Bank of America never mailed me the notice of servicer change as was required under RESPA. 

4. The signature of the assignment of deed of trust is a forged signature of Ms XXXX XXXX when compared with her other signatures. 

Given under these facts, the assignment of deed of trust can mean any of the followings : 1. The assignment of deed of trust was executed by Bank of America to aid and abate XXXX XXXX XXXX XXXX XXXX in money laundering. 

2. Bank of America was bribed by XXXX XXXX XXXX XXXX XXXX to make such assignment of Deed of Trust. 

3. Bank of America assisted XXXX XXXX XXXX , XXXX in identity theft. 

4. The assignment of Deed of Trust is a forged document that has been filed in XXXX County and Bank of America has no knowledge of it. 

XXXX. Any other reason. 

I would expect that Bank of America would clarify this matter.

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 2018-06-07
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: Account information incorrect

Complaint:
I am writing to complain about unauthorized Inquires on my report that I am requesting the investigation and removal. 

I contacted creditors and asked them to remove their credit inquiry from my credit profile. 

These are the unauthorized Inquires 1.XXXX XXXX XXXX XXXX - XX/XX/XXXX 2.XXXX XXXX XXXX- XX/XX/XXXX 3.XXXX XXXX XXXX -XX/XX/XXXXXX/XX/XXXX 4.XXXX XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX- XX/XX/XXXX 6.XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX 7.XXXX-XX/XX/XXXX 8.XXXX-XX/XX/XXXX-XX/XX/XXXX 9.XXXX-XX/XX/XXXX 10.XXXX-XX/XX/XXXX 11.XXXX XXXX-XX/XX/XXXX 12.XXXX XXXX XXXX XXXX-XX/XX/XXXX 13.XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX 14.XXXX XXXX-XX/XX/XXXX 15.XXXX XXXX XXXX-XX/XX/XXXX 16.XXXX XXXX XXXXXX/XX/XXXX 17. 
XXXX XXXX XXXX-XX/XX/XXXX I am a victim of several data breaches XXXX XXXX XXXX to name a few.

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 2020-11-12
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2020, Chase Bank N.A. sent me an e-mail message with the subject line " Please review : ( NAME REACTED ), action needed for your credit card payment. '' the message went on to state " Make a payment to stay on track '' and " Your minimum payment of XXXX is due on XXXXMaking payments on time keeps your account up to date. '' On XX/XX/2020, I went to the Chase.com website and scheduled a {$4600.00} payment ( which was the full balance due ) to be made on XX/XX/2020, on this account. I have had this credit card account for approximately four years and have never been late on a payment. 

When Chase Bank N.A. sent me the above-referenced XX/XX/2020 e-mail message in which they stated, inter alia, " Action Needed '' I was deceived into thinking that I was required to take some sort of action or would risk being " off track '' as their message stated. Chase Bank N.A. knew, or was careless or negligent in not knowing, that I had in good faith scheduled a payment in full for the account on XX/XX/2020, and had not cancelled or altered it in any way. I feel that Chase Bank N.A. targeted me for misleading marketing due to my age and/or my political beliefs, both of which are protected by federal law. 

On XX/XX/2020, I wrote to Chase Bank N.A. through their website ( www.chase.com ) and expressed my concerns ; on XX/XX/2020, they replied " I have forwarded your message to the appropriate department for review. We will contact you again in the next 10 to 14 business days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Credit Shop, Incorporated
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I called Credit Shop on XX/XX/XXXX to make an arrangement for SETTLE CHARGED OFF REVOLVING ACCOUNT and it was not possible, they just wanted a single full payment for the debt, they told me the company don't make any settlement, i request two time for a supervisor and they never come up, the people on the phone were very rude, they answered me gruffly, The company name to search for is CREDIT SHOP , INCORPORATED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
i have a statement balance of XXXX ( i over paid ) they sent me few bills at the time and I paid all One was a combination of prior bill that payment was crossed in the mail I have the statement where they state owing me these monies ..a negative balance Been waiting for check but never received I just called and when I put in my social security number they have recording stating i closed account ( which I did not ) they closed in person stores System will not allow me to speak with anyone JUSTICE credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: STERLING JEWELERS, 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: Investigation took more than 30 days

Complaint:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet XXXX   credit bureau continue to state this account has been verified, but how? XXXX, and XXXX has removed these inaccurate account. I have been sending out dispute letters since XX/XX/2019.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Experian Information Solutions Inc.
State: NY
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:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my XXXX  report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.

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 2021-09-03
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello ... our current mortgage company Home Point Financial offered us a 12 month forbearance under the Cares Act as we were temporarily out of work due to COVID and we were told verbatim that at the end of the forbearance that there would just be 12 months of payments added to the end of the loan. That is not what happened. Once we reported to them that that we were back to work and able to resume payments they added {$22000.00} to our principal balance, 5 more YEARS of payments to our loan and illegally raised our FIXED 30 YEAR intrest rate of 3.25 % to 3.625 %. They have caused a huge financial burden under a program that was supposed to help people. By the time this is all said and done they have added with the intrest rate increase a finanbcial burden of over {$200000.00}!!! Had we been told this is what was going to happed we would have just pulled from our 401K to make the payments. Would have caused a lot less of a financial burden on us. In addition I am quite sure Home Point Financial received government funding from this program. I have asked Homepont Financial several times to provide us with a current amortization schedule and or a spreadsheet showing their calculations justifying adding 5 years of loan payments to our loan and {$22000.00} to our principal and all they have sent me was the original amortization schedule from 5 years ago and a blank document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today, XX/XX/XXXX, I want to send this complaint to CHRYSLER CAPITAL. 

This is the account information : Account # XXXX, opene on XX/XX/XXXX, high credit : {$14000.00}. 

I had my automatic payment set up and the account, I had money. Chrysler Capital did not charge the last car payment. Apparently, they did not do it because the amount was lower. They only noticed me on the phone after it was 30 days due. Very unfair that ruined my credit after 7 years being on time to them. You can imagine how this ruined my life, all I am asking is a fair solution to this issue. 

They are also being UNFAIR, committing NEGLIGENCE, not reporting the account as " disputed '' after receiving my dispute notice ( see attached proof ). All these are violations to the California Credit Reporting Act. 

My demand : I want the late payment for XX/XX/XXXX removed from my report. 

Please send the attache documents to Chryslet Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: eToro USA LLC
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I kept inputting XXXX  on the website and etoro  kept coming up instead of XXXX. Since I had tried to contact XXXX  from different internet methods I thought etoro was them. I invested {$50.00} and put it in ethoreum. etoro claimed my account was {$100.00} now with a portfolio of {$140.00}. I was hesitant with this company because I wasn't sure they were XXXX. XX/XX/2021 etoro tried to withdraw {$100.00} out of my chase bank account without my permission. I paid {$20.00} for my bank to put a stop to the transaction. I also blocked etoro from my bank account. I did call etoro about all this at XXXX ( XXXX ) XXXX. After ringing a long time someone answered and said they would call me back in an hour. When I told him I never authorized them to withdraw {$100.00} from my XXXX account he hung up on me. Today I tried to withdraw everything from the etoro account. Since then etoro has blocked me from there phone number, Knocked my portfolio down to {$38.00}, and it goes down every from the {$50.00} I put in ethoreum. When I hit sell etoro will not let me sell the stock. Can not call them because etoro has blocked all communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
I tried to go back to school in XXXX, at XXXX Jr College I was in class not even a month and told because I didnt have a high school diploma or something equivalent I didnt qualify for any student loans, and was asked to dismiss myself. Now over 20yrs later I have all these student loans I'm to pay back I cant seem to get any help in this matter I thought it was taken care of only to find out the loans have been sold to collection company 's. My credit is a mess I keep disputing these issues and cant get it cleared up they have intercepted my taxes my wages and I do not owe anything I NEVER SIGNED FOR ANY CHECKS REGARDING ANY STUDENT LOANS, some one had to for them to be cashed and used on a student that wasn't even in school how do they get away with that? I have contacted the school which is now XXXX college spoke with XXXX XXXX from admission she went back to XXXX and shows no record of me ever attending college they have all the XXXX jr college records and transfers, no record of me. Over 20 +yrs I have been dealing with these loans that should of never been. PLEASE HELP ME. 
XXXX XXXX XXXX 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 2021-04-30
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/2020 a credit card from citibank Citi Cards was taken out with a limit of {$9100.00} and around {$8700.00} has been spent and has been a late payment. This is complete fraud I have nothing to do with this account Ive never used or opened up this credit card in my name. I put a Fraud alert on the 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 non-monetary relief
Consumer complaint received 2019-08-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
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:
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed. I have been sending out dispute letters since XX/XX/XXXX.

Company response to consumer: Closed with explanation