BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-18
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I've started 7 disputes with Citicards against an online merchant that failed and stopped to provide services..The charges were XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, XX/XX/2017 for {$2900.00}, $ XX/XX/2017 {$2900.00}, XX/XX/2017 {$2800.00}. Citicards failed to protect my consumer rights.

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 2023-09-12
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
On XX/XX/2023 and XX/XX/2023, two transactions occurred from my personal savings account at XXXX XXXX. The first transaction was {$700.00} and the next was {$4700.00}. This money went into an account at Chime Bank under my name, but that account was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I own a XXXXXXXXProperty ID : XXXX XXXX XXXX XXXX XXXX XXXX   TX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX  : XXXX   XXXX XXXX XXXXThis land was gifted to me in XXXX, I bought a double wide mobile from XXXX XXXX and in XXXX, I requested a loan from Wells Fargo Financial and they made the loan knowing that my property had my mobile at XXXX XXXX and a mobile at XXXX XXXX XXXX and a mobile at XXXX XXXX XXXX. Wells Fargo has my mobile changed from personal property and converted to Real Property so they could tie the land and property to the new loan. Wells Fargo is charging me a 9.66 percentage rate and I have tried to get them to modify this loan, but they refused. I have tried several banks and local mortgage lending companies to see if they will refinance this loan and they all tell me, that since there are 3 mobiles on this XXXX they are not legally able under federal mortgage rules to make me a loan. My complaint is why and how was Wells Fargo legally able to make me this loan when no other lending company can? So now I have no options available to get relief from this very high interest loan.

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 2020-01-24
Company: LJ Ross Associates
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Date opened XX/XX/2018 amount {$860.00} called the company they have no information on me and also called the bureau to get this removed because of false information and they would not drop 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 2018-09-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Trying to link another app to access data in order to budget/save better. Won't let a third party app login and access my account even when authorize to do so.

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 2018-09-18
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX I went to XXXX XXXX XXXX. I signed up for a store credit card. I was told it would be mailed to my home. I was charged {$8.00} XX/XX/XXXX I received a late bill. I never was mailed a credit card. So, the 1st thing I received was a bill with a late fee. I was willing to pay it off. I called XXXX XXXX to advise them I NEVER received a credit card. I told them I wanted to pay off everything/close account. 
They literally told me I can't pay it all off without giving them my banking information. I was not about to give personal bank info. So, they refused to let me pay off the card/close account. I wrote to the bank that responsible for the credit card. 

XX/XX/XXXX I received a letter from the bank XXXX XXXX issues their credit cards though. The name of the bank is : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX apologized for the inconvenience. They credited my account to a XXXX  balance. I owe nothing. Yet XXXX XXXX keeps billing me with late fees. I've told them and showed them the letter from their own bank. 

XX/XX/XXXX Still receiving monthly bills. Each time they want more money bc of late fees, even though they have the letter from their bank. I gave it to them twice. 

XX/XX/XXXX I finally wrote a personal complaint to the CEO after getting no where. 

A few days later I was contacted by XXXX XXXX. Customer Relations Representative XXXX XXXX XXXX. I explained the whole story over again. Each time XXXX XXXX acts like they get it & I won't continue to try to get more money. 

XX/XX/XXXX I received another bill from XXXX XXXX. Again, I contacted them. I sent a screen shot of the letter from their back. Again, they apologized. They said it won't happen again. 

XX/XX/XXXX Today I've received another bill with more added on late fees! 

Every single month since, they mail me bills with even more additional late fees. Each month, they say they'll stop behaving this way. It never stops. I have no idea what to do. I have the letter from their bank. I also have the latest email from XXXX XXXX acknowledging that they seen the letter from their bank & I owe them nothing. 

I don't want my credit ruined when I'm not doing anything wrong. I suffer from anxiety issues. Please help me. I don't know what to do anymore! They have proof. They admitted they are wrong. But, they just won't stop the harassment. 

Thank You, XXXX  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-31
Company: AXOS FINANCIAL, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
No real solution or explanation even after multiple phone calls & written communications on bank website. Only small fraction of solution after complaint at CFPB ID XXXX, I was refunded {$81.00} in XX/XX/XXXX. 
Bank still owes me {$3600.00} ( double charged interest in XX/XX/XXXX & unaccounted escrow charges since XXXX ) + {$650.00} ( interest + compensation for giving run around ) = {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: SYNCHRONY FINANCIAL
State: OH
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:
SYNCB AMAZON XXXX shows up as a hard inquiry on my credit report. I never authorized or applied for a cried card or loan from the. On XX/XX/2023 I called XXXX. I was unable to get past the automatic phone service to speak to a live representative to resolve this.

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 2020-11-25
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:
My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : 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 I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.

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 2020-01-24
Company: Netspend Corporation
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted yesterday from a private number and they left me a voicemail stating that I owed money for an old payday loan and that they are threatening legal action against me. The number that they left to call back was XXXX. When I called the number I was told that XXXX county sent them my information in regards to a debt and that I would have to speak with a compliance officer in their office. When I asked where they were located the representative told me XXXX Georgia. So I asked her for an address and a contact number to the person who contacted me. She told me that they didnt have one. I told her that if they were looking for me they need to contact me and stop harassing my family and friends. She just kept saying they did not call me because they dont make outgoing calls in their office. Me and the rep kept going back and forth and she hung up on me when I told her they are just a call center. I called right back and demanded to speak with a supervisor. I spoke with the supervisor and asked her for a local number to call with an address since supposedly they are filing a court summons in my county. She told me they dont have contact information. She was very rude when I asked her how am I supposed to contact someone with no number? She told me I need to answer the phone when they call next time. I told her there is no number that shows up and my one doesnt ring when they contact. I just end up having a missed call from a private number and a voicemail threatening legal action against me. She then hung up on me. They had my address and everything.

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 2019-10-24
Company: EQUIFAX, INC.
State: CT
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've repeatedly filed a dispute about incorrect information reported by a utility company to Equifax. They don't complete a full investigation ( I have loads of documents, emails, and even tracking slips showing equipment was returned ), and when I file a dispute they allow the utility to report the charge-off/delinquency with the current date, significantly damaging my credit. 

My credit report is otherwise pristine, and this has significantly limited my access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
On XX/XX/2018 i sent letters to Portfolio Recovery Associates acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXX/XX/XXXXXXXX. I have also sent copies of debt validation letters to XXXX XX/XX/XXXX and XX/XX/XXXX only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by Portfolio Recovery Assoc. 

XX/XX/XXXX has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XX/XX/XXXX case # XX/XX/XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
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 XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2018-09-18
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear XXXX XXXX Senior Customer Care Specialist U.S. Bank XXXX Customer Service This is XXXX referring about NOT HAVING MY CARD ACTIVATED THOUGH XXXX XXXX EVEN THOUGH FROM EXPERIENCE MY ACCOUNTS NEVER GOT BREACHED BY MY EMAIL BECAUSE MY EMAIL IS SECURE AND ENCRYPTED AND FROM MY EXPERIENCE WALKING IN TO YOUR BRANCH ( US BANK ) I SAW THE MANAGER ACTIVATE HER CARD BY USING A CODE SO WHY ARE YOU LETTING EMPLOYEES ACTIVATE THEIR CARD BY THEM SELF 'S AND NOT LET THE CONSUMERS DO IT TOO THAT MEANS I HAVE TO WAIT ON A SILLY REP TO ANSWER AND ACTIVATE MY CARD FOR ME INSTEAD OF ME ACTIVATING IT MYSELF SINCERELY 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 2018-09-18
Company: CITIBANK, N.A.
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: Didn't receive advertised or promotional terms

Complaint:
I received an email promoting the Citi ThankYou Premier Card. After spending {$4000.00}, I was to receive XXXX ThankYou Points. I applied, was approved, and spent the amount. After this, I was informed I was not eligible to receive the points. 

I contacted Citi after meeting the minimum spend and they informed me that I was not eligible to receive the points. 

This is misleading and I am extremely upset I have taken a hit to my credit, paid them an annual fee, and now receive nothing. They keep giving me the run-around and I have chatted with multiple support specialists, called and been placed on hold, and have no results.

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 2023-02-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My name is XXXX XXXX and I am the CEO and Founder of XXXX related business entities : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. XXXX XXXX has banked with JPMorgan Chase since XXXX. On XX/XX/XXXX I attempted to open XXXX new checking accounts with. JPMorgan Chase, XXXX for XXXX XXXX XXXX and XXXX for XXXX XXXX. As part of this, I deposited two checks. I deposited a check for {$24000.00} into the XXXX XXXX XXXX account, and a check for {$110000.00} into the XXXX XXXX account. I was told that these funds would be available by XX/XX/XXXX. About one week later Chase let me know that they had decided to " exit the relationship. '' Chase, however, has not returned the funds. I have spent countless hours on the phone with various VPs across a wide array of departments, including the fraud department. I have provided extensive documentation verifying my ownership of these entities. I even paid {$500.00} to amend and restate the Articles of Formation for XXXX XXXX with the state of Delaware, so that the Articles now clearly state that I am an authorized agent. Despite this, despite XXXX knows how many hours spent on the phone with Chase, they STILL have not returned my funds. On XX/XX/XXXX a branch XXXX for one of the XXXX XXXX locations ( XXXX XXXX ) told me that the checks were on their way. It is now XX/XX/XXXX, the checks have not arrived, and I truly doubt that the checks will ever arrive. When I asked for tracking numbers, Chase Support told me via a XXXX XXXX that the checks had been sent via XXXX and that there are no tracking numbers. 
Chase Bank has stolen over {$140000.00} from my businesses. I would like my money back. I have also filed a complaint with the California Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: EQUIFAX, 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, I have disputed addresses that my ex boyfriend had used to take out credit cards or loans on my name. I had lived with him for several years his name is XXXX XXXX XXXX he had scammed me a couple of times and I had spoken with several agents regarding this matter. They have successfully helped me out and requested documents to back up my story. 

All done, I even got a dispute result back of the addresses that being removed and my new address now was current. I live with my mom now so he can't find me whatsoever. 

BUT - regardless of my proof of the dispute result that Equifax has generated, the addresses are still on my Equifax Credit Report because they won't update it accordingly as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I experienced fraud on my Capital One Venture card. I believe it happened when I requested a new card, but I'm not sure. I suspect somebody either intercepted the card or created a ghost card of some sort. 

I notified Capital One immediately of the problem. The opened an investigation, then concluded that the charges were legitimate. The basis for that conclusion was that the chip on the card was present. They could not produce a signature capture. They also would not assist in helping me get camera footage from the vendor. They reimbursed me for the smaller charges, but the charges over {$100.00} were beyond the limit of the person I was talking to. When I requested to speak to somebody with higher authority, I was denied. I am currently out over {$400.00}. 

I spoke with XXXX @ Capital one. Case # XXXX Charges on XX/XX/XXXX : XXXX XXXX = {$200.00} XXXX XXXX XXXX XXXX = {$46.00} XXXX XXXX = {$31.00} XXXX XXXX XXXX XXXX = {$220.00} Please help. I am working to reach out to XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to see if they can help me, but it has been very challenging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Professional Credit Management, Inc
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: EQUIFAX, INC.
State: TX
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:
I have several inquiries of XXXX and XXXX I would like for them to be removed as per my ex boyfriend was trying to get a vehicle and had my information but I never authorized the dealerships to run my credit. I tried to contact them and dispute but they didnt do a thing. So I would need these hard inquiries to be removed from my credit report.

Company response to consumer: Closed with explanation