BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: CITIBANK, N.A.
State: NC
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:
Dear Best Buy-Citibank:On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX store in XXXX, Colorado for pick up at the XXXX XXXX in XXXX, NC store. Payment of $XXXX was charged to my Best Buy Credit Card. Exhibit#1-Email receipt for purchase OnXX/XX/XXXXI received an email notification stating my order was cancelled due to the pickup window expiring-purchase not picked up at the XXXX XXXX, NC store. Exhibit#2-Email stating cancellation of purchase.On XX/XX/XXXX I received an email stating a refund was processed for XX/XX/XXXX purchase.To date, this refund was not processed. Exhibit#3.-Email stating refund in process.OnXX/XX/XXXX I walked in and purchased the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX, NC. Exhibit #4.-Email receipt for purchase.On XX/XX/XXXX I returned the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX purchased on XX/XX/XXXX at the XXXX XXXX, NC store, as the TV was not working as designed. Exhibit #5-Email receipt for refund of purchase. On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of $XXXX.  To date, my credit card reflects a a charge 0f $XXXX. The only charge I should be responsible for is the amount of $XXXX which is the amount of the XXXX XXXX purchased on XX/XX/XXXX. I have not received a refund of my original purchase onXX/XX/XXXX that was cancelled on XX/XX/XXXX. I have faxed documents, spoke to several agents to no avail. I have been dismissed by agents stating there is nothing they can do.I am requesting a swift resolution to this issue as I am perplexed as to why this has not been rectified. This is clear issue of no one taking the time to review the document trail and understanding while the same TV was purchased twice both were returned. I should not be charged for an item I never had in my possession. Again, I am hoping for a quick resolution to this issue.

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 2023-11-30
Company: TapTap Send Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I use company name Taptap to transfer money to XXXX since XX/XX/2023. I called to conceal the transaction because I mistakenly place the wrong figure which they told me is already late. After somedays the receipt called to informed me that the part of the money just disappeared from her account. I contacted taptap and the receipt bank immediately and I was told that the money is withheld. The only solution is for taptap to call their correspondence in XXXX to releases back the money to recipient account. Taptap have fail to meet up with these obligations, I have called them million times but to no avail. Pls I need your help to retrieve my money back. Thank you. Yours faithfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The month of XXXX, XXXX and XX/XX/2022 the amounts are increasingly different. I used to pay XXXX XXXX and some odd dollars but now the bank is asking for {$920.00} in the month of XX/XX/2022 and they are not giving me an explanation as to why it has become this amount. It has more than doubled. All theyre saying is, this is what you have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
A few months ago, my credit card was compromised and it took nearly 2 months for Suntrust to take action and credit me for the fraudulent charges on my account, and only acted once I submitted a complaint to your organization. Since then, I have not felt that my money is safe with Suntrust, so I have maintained the minimum required ( {$500.00} ) to avoid the maintenance fees. Last month my account fell below the {$500.00} for one day, which resulted in a {$7.00} fee. I called, and the representative waived the fee and guaranteed me that although my account would take a few days to reflect the maintenance fee reversal, I would not be charged later this month for a maintenance fee. Today, I noticed I was charged the maintenance fee and when I called I was told that I was charged a fee due to the few days it took for the reversal of the fee to go through. I spoke with XXXX XXXX and he said I was ineligible for a fee reversal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: ENOVA INTERNATIONAL, INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a personal loan of {$1500.00}. It was approved almost instantly. 
I did not know until today XXXX XXXX, 2021 that the interest rate would be 299.? %. 
I did accept the loan at time of approval not knowing anything about the EXORBITANT INTEREST RATE!!! I have spent most of the money on medical bills as I am XXXX XXXX XXXX. I want to pay back the money I borrowed. I just can not afford to pay back the way CASHNET USA says I have to pay. 
I want to send a copy of the account information for me but do not know how to include a photo MY NAME IS XXXX XXXX XXXX XXXX XXXX Can you help me in any way? I did not know that this was legal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT EDXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-25
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX called me in XXXX XXXX to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to Credit Corp Solutions for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from Credit Corp Solutions saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Social security number is XXXX on experian credit report theirs is negative item called XXXX XXXX its a fraud account I filed a federal trade commission identity theft report on

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 2023-06-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. Some accounts are inaccurate in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a summons ( CIVIL ) from XXXX XXXX XXXX, XXXX on XX/XX/XXXX at my residence indicating ( attorneys for plaintiff- Discover Bank for {$2700.00}. Opened XX/XX/XXXX. 
Discover is showing this account as ( CHARGED OFF ). 
This lawsuit is asking for a judgement thru the courts on a charged off account by Discover card. Also indicating they are representing them. 
XXXX XXXX XXXX pplc. # XXXX XXXX. 
I have no vehicle and no money and am on XXXX. I can't respond to this lawsuit or file a answer. 
It indicates that if I fail to respond a default judgement will be entered against Me on an account the DISCOVER CLOSED AND CHARGED OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: Kriya Capital, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credence Resource Management has opened an account using my information to report misleading and inaccurate information on my credit report. I have never entered into any contract or signed any documents or made any agreement with this collections agency. They have no right to furnish any information on my credit report. I never gave them any permission. Also, I sent a debt validation letter to them and they have not sent a valid response. They should be shut down! They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and making it impossible for me to obtain credit. Please remove this account from all 3 credit bureaus, XXXX XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: McCalla Raymer Leibert Pierce, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2022-12-13
Company: EQUIFAX, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Numerous calls have been hung up on. Last person I spoke to was XXXX UV XXXX Mazda Credit through JP Morgan refuses to verify that this has been paid off. Calls and emails and they still will not do this and this is impacting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: Shellpoint Partners, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a long, storied history with NewRez regarding the removal of our PMI. We initiated this process in XXXX of this year, however it was not until XXXX that they scheduled the Broker Price Opinion of our property. I will not rehash the past in this complaint, but I have already filed 4 complaints with the CFPB regarding this issue ( See complaint numbers : XXXX, XXXX, XXXX, XXXX. As per the letter I received from NewRez Financial, my PMI was cancelled XX/XX/2020. The letter also states I will receive an updated escrow analysis which would reflect my new mortgage payment. I never received an updated analysis. I called XX/XX/2020 and spoke with a representative, who told me that the escrow analysis was due to be completed XX/XX/2020 and I should receive a copy shortly. Today is XX/XX/2020 and I have never received an updated escrow analysis. I called NewRez again this afternoon only to find out they never performed an updated escrow analysis. I have been billed the same amount for my mortgage every month since my PMI was " cancelled ''. My payment has never reflected the cancellation of my PMI. Furthermore, as my PMI was cancelled XX/XX/2020 the 45-day deadline for NewRez to return any PMI overpayments after cancellation passed XX/XX/2020. I have not received any refund checks, nor has there been any credit to my account for the amount I have overpaid. The agent I spoke with today told me she put a " rush '' on another escrow analysis, and that I should expect it by XX/XX/2020. However, after being lied to about this before, I will not believe it until I see it. 

In addition to the PMI challenge I have experienced, we have also experienced numerous challenges with the Escrow department at NewRez. In addition to the four CFPB complaints made about our PMI issue, I have filed an additional 3 complaints regarding their handling of my Escrow account. This company has lied to me over and over again. Something needs to be done about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate & unknown information on my credit report be validated. To this date it has been 60 days and I still have not got a rebuttal of any kind in regards to this matter. I am sure that I am being taken advantage of and being totally ignored of my disputes. Section 611 ( a ), Says that a failure to investigate these items within a 30 days gives an immediate removal of these items from my credit report. In my case it has been over 60 days, so it should be deleted instantly. I also sent a follow-up notice after I informed them that they were reporting inaccurate information. I demand that these items be deleted immediately or I will file litigation do to the stress that it has caused me. My information was impacted by the XXXX  data breach and may have been compromised as a result.

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 2021-01-26
Company: Nelnet, Inc.
State: DE
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 noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm having a problem with XXXX XXXX CREDIT CARD ... .I NEVER USED IT AND THEY PUT ON MY CREDIT REPORT A BALANCE THAT IS NOT TRUE ... THIS CAUSED MY CREDIT SCORE TO GO DOWN 54 POINTS ... .I CALLED THEM AND THEY SAID THAT THEY WILL SEND XXXX A LETTER STATING THE ACCOUNT WAS CLOSED AND THEY REMOVED THE BALANCE TO A CHARGE OFF ... .IF THEY DID EXPERIAN NEVER FIXED THIS PROBLEM ... .PLEASE HELP

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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