BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021, I went to a XXXX XXXX to buy something only to have my card declined several times. I left the store and called Citibank to see what the problem was only to discover my account had been placed on hold with no notification to me. I went on to be on this phone call for around an hour transferred from department to department before the line mysteriously dropped. I continued to call around 6-7 more times this same night with no hope and multiple supervisors transferring me to the fraud department even after it had closed. I gave up for the night and decided to try again on XX/XX/2021 when the fraud department reopened. I tried calling again the next day with no hope and about 10 more failed phone calls. It is now XX/XX/2021 and my money is still on hold at Citibank. I call every single day with the same response that my account is under review. I have a 1 month old child who I have had to borrow money to feed. My water and phone is off and my wifi had about 3 more days. I have been hysterically crying and nobody at Citibank cares. I just want my money back and as soon as they are released I will be closing my account with Citibank. Never bank with these people. This is the worst experience I have ever had. I would call the police if I could.

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 2018-01-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I ordered a DVD on XX/XX/XXXXonline. I tried to cancel the order but XXXX said I only have 1 hr after ordering to cancel. It was now 3 hrs  after. I wanted to get a DVD for my son for XXXX. Today is XX/XX/XXXX, I have never received the DVD nor have I been able to get my {$11.00} back. Chase bank says that they do n't have any recovery rights. I have called XXXX 44 times. They would not give me any information about the seller, then on later calls they wo n't file a claim for me. On XX/XX/XXXX a guy name XXXX supposedly fild a claim but he lied. I have called 10 times today, I was put on hold for an hour and 1/2. Only to have them hang up on me. How can I get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
BANK IS BLOCKING MY ACCOUNT FROM MAKING TRANSFERS TO XXXX XXXX. BANK IS NOT ALLOWING ME TO LINK DIRECTLY ON THEIR WEBSITE FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Company is TransUnion. On XXXX I called them to lift a fraud alert on my credit file. The representative first insisted that there was no fraud alert on my file, and kept reading from a script. I knew that was incorrect. He then said there IS a fraud alert on my account, and I reiterated that I wish him to remove it. He returned to his script which was unresponsive, and when I tried to stop him to get him to do what I had asked, he left me hanging for XXXX minutes and then discounted the call. This is the worst customer service I have experienced in my XXXX years of life. In addition, and perhaps less importantly, it took XXXX minutes of inputting all requested data in response to multiple prompts before I was able to reach a representative.

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 2017-12-28
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo Mortgage has documents that are forged or Robo Siging as well as signatures placed over my signature on other documents. 

Documents have been sent out to document companies to verify the the singing as well as to other issues to documents There are several issues at hand. Wells Fargo Mortgage does not want to comply for what is said or the direct issues at hand to this issue as to other issues that they want to act as if there is nothing to the issue but there is fraud and I have had documents look at as well as signatures. 

I 'm filing an Identity theft on the Notary For Wells Fargo Mortgage as to why she sign my name and as to why she lied and said on the document I personally appeared before her in which I did not nor sign any document. 

I have filed a police report on the Notary/Agent Identity Theft and will have her prosecuted in the courts for Identity theft. 

I have given Wells Fargo Mortgage enough time with playing there games in which I had some file on the Notary/Agent acting on Wells Fargo Mortgage. 

Some one will talk once there arrested as a notary/agent for Identity theft. 

All Wells Fargo wants to do is play games and act as if they have done nothing or not acting in fraud.

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 2019-02-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Problem with personal statement of dispute

Complaint:
I am a co-lesse for my wife 's car. The due date for this account is the XXXX of each month. We normally pay via website. On XX/XX/XXXX, my wife made a partial payment. On XX/XX/XXXX, we experienced a power outage due to severe weather. She attempted to make the rest of the payment and thought it went through via cellphone data. On XX/XX/XXXX, the payment was registered as 30 days late and reflected on my credit report. I was alerted via a credit monitoring agency. I contacted the creditor. They acknowledged that the payment was now posted on XX/XX/XXXX. We surmise that the remnant payment did not go through due to the WiFi failure during the storm on XX/XX/XXXX. They offered to restore it to " Current '' with the credit bureaus. As a precaution I also filed disputes. On XXXX, the dispute results came back " Current, was 30 days late ''. This registers as derogatory. On XXXX, I called the creditor and spoke with a supervisor. She said that their information is accurate and can not be removed. I asked to speak with manager or director. She said that her level is the last word. We've been longtime customers with a perfect payment history. There should be another review. Also they noted the full payment as late, even though part was paid on XX/XX/XXXX. Their information is not accurate as they claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to Experian disputing an account that is currently listed on my credit report. The account I disputed is for XXXX XXXX. I received an alert through my email that the investigation was complete. According to their site in which I am uploading proof my investigation started on XX/XX/XXXX. Experian sent me the results of their so called investigation on XX/XX/XXXX.  There is no way an investigation was completed in this short amount of time. I have writtten several letters prior to this and I get the same results. This is causing me so much trouble with my credit due to their unfair credit practices.

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 2021-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wallet was stolen by someone I used to live with. He fraudulently used my XXXX  Driver 's License and Wells Fargo Credit Card at XXXX XXXX XXXX to cash advance {$6200.00}. It was used for four separate transactions at the casino. XX/XX/21 for {$310.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$1500.00}. XX/XX/21 {$2500.00}. 

I filed a police report and I have a detective on the case. I have messages from the person who took my wallet as well as other evidence to support my case. After getting denied multiple times from Wells Fargo Credit Card Claims, I have gotten in touch with the casino myself and have found out that Wells Fargo Credit Card Claims lied about reaching out to the casino to get video surveillance footage. 

Wells Fargo has been denying my case for the last XXXX  months with one blanket response, " the casino verified my identity because my driver 's license was presented. '' They have ignored all evidence I have sent them, they have lied about reaching out to the casino themselves, and they haven't reached out to the detective regarding the case. 
I talked to the head of security at XXXX. He said they would never tell a bank to reject a case because of an identity verification. Protocol is to have the person whos card and identity was stolen to file a police report and have the police reach out to the casino. Which I have now done. 

The charges have increased to over {$7000.00} now because of cash advance fees. My credit score has been ruined. This is all because of unfair mistreatment from Wells Fargo Credit Card Claims. 

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 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 2019-02-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX/XXXX. I have also contacted my city police and contacted the FTC as well.

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 2021-02-13
Company: JPMORGAN CHASE & CO.
State: OR
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:
XXXX XXXX : XX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX Chase XXXXXX/XX/XXXX for XXXX XXXX for XXXX XXXX for XXXX XXXX XXXX and chase Banking have been charging my credit card for {$66.00} on a XXXX XXXX purchase I never made. I have contacted both companies over the course of 4 months each time being assured the charges will be dropped and yet whenever I call chase to see why the charge still appears they tell me because I made the purchase despite the fact that I have been disputing this charge for four months!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NY
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:
This is an extension to the previous complaint I have submitted. below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section XXXX, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

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 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 2019-02-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm in the market for a home, so recently i pulled my credit report to see what my score was and i see items on my report that are not mine. This is completely unacceptable and totally embarrassing. I need these items removed from my credit report. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX XXXX. I have also contacted my city police and contacted the FTC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection Company They committed more than 1 violation, 15 U.S. Code Sec 1692g Validation of debts, They didn't provide me with the 5 things that constitute to validating the debt and even that's not validation because if they send me that, It is an allegation unless I agree.15 U.S. Code Sec 1692i ( a ) and ( b ) and I can keep counting on violations. 

I have never give them a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in my credit report agency, specially a alleged debt that is not mine.

I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

I need them to : Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I have disputed the alleged collection with XXXX and XXXX several times, and they have failed to verified. How can they verified if the collection company cant even validate this alleged debt.

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 2021-02-18
Company: FCI Lender Services Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I guess I don't have room for a long story so I'll kind of keep it brief there's a company called FCI lending services/XXXXXXXX XXXXXXXX XXXX Play papers for a vision of the property that I've been paying for for the past 5 to 6 years since my brother passed in XXXX or XXXX now for one year I've kind of had to do repairs on the house and I was sending what I could or makes me up the the mortgage slips and still trying to send the money now XX/XX/XXXX I have paperwork that says this law firm XXXX XXXX the XXXX XXXX Florida bar number is XXXX is trying to evict me from my residence when there is no foreclosure I've tried settling with them with the money I do have from my accounts equaling up to {$6000.00} but they're a little lawyer fees and the mortgage they want more than {$10000.00} and I don't wan na work with me I lived in this house for 11 years my mom has died in this house my brothers died in this house I am trying since the pandemic to try to catch up with the mortgage with the stimulus package and also helping others get back on their feet by letting people stay here but when they steal from me I have to replace stuff also also this company since my name is not on the mortgage but is on the last will and testament of my brother and have shown them both copies of the of these PaperWorks that they refused to put me as a co-mortgage holder so I'm able to get homeowners insurance on the house I've survive in this house 3 to 4 category five and have damage to the house and to the outside carport I know the mortgage company called XXXX XXXX sold a mortgage to the XXXX XXXX XXXX FCI and records then they are supposed debt collectors know I've tried reasoning with them and trying to get some insurance money since I have house damage to the house and have mentioned to them multiple times per phone call and in person from a young lady named XXXX XXXXXXXX to her about code enforcement saying that the house needs a paint job and they don't like my window coverings that I have for hurricane so they did help me repaint the house and put a new set of windows up but I still have roof damage this company has housing insurance or hazard insurance on my residents that they do not want to help in anyway even though that I'm paying for hazard insurance through the mortgage

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 2018-01-18
Company: WELLS FARGO & COMPANY
State: CO
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 contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.

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 2018-03-22
Company: Federal Pacific Credit Company, LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.

Company response to consumer: Closed with explanation