BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX Senior Vice President, Consumer Complaint Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Re : Data Breach on Account Number XXXX Citibank allowed my savings account to be breached on XX/XX/2019. ( as per attached document ) I am requesting a direct answer from Citibank as to why this data breach occurred? I have banked with Citibank for over ( 30 ) thirty years. I believe that a loyal customer like myself is entitled to complete disclosure as to why this happened? More importantly why it hasnt been resolved? Customer Service tells me that they will make a decisions within ( 10 ) ten days as to return the ( {$7000.00} ) XXXX XXXX XXXX XXXX dollars, without any explanation as to why it was allowed to be taken out in the first place? This was a simple fraudulently ACH transfer to XXXX  XXXX XXXX, Why wasnt XXXX  XXXX XXXX contacted immediately, to find out who and where this money was transferred too? This money should have been released immediately. 
I was requested by my bank representative ( XXXX XXXX ) XXXX XXXX Ca. Branch located @ XXXX XXXX XXXX XXXX. XXXX XXXX, Ca. to remove the majority of the money from this account, and to leave it opened, To open a new account, with a new account number later? Without any concern as to when the money would have been released back to my account. 
After reporting this I filed a police report with the XXXX XXXX Sheriff Department. They recommended me to contact all ( 3 ) Credit bureau 's and lock my accounts. In which I have done, however this required ( 3 ) three days of filling out forms, making phone calls, and several correspondence with these three bureau 's. Now the fourth day to contact Citibank via this letter. 
Im a senior citizen with several health problems, this has added to the stress in my life to the point that it is effecting my health. I havent eaten, or slept well since this occurrence. 
In addition it is near XXXX and the funds that the bank seems to have Lost were funds I expected to use during the holidays. 
This is totally unacceptable to me, I have contacted my attorney XXXX XXXX of XXXX and XXXX XXXX   firm, in XXXX XXXX, Ca. they are looking into this breach as well. 


Awaiting your Reply : 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 2021-11-19
Company: Envios de Valores La Nacional Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I went to la nacional at XXXX XXXX XXXX and paid XXXX, {$120.00} to be sent to XXXX XXXX in american money, {$6.00} for this service. In XXXX XXXX they gave the person dominican money. This is the second time this fraud is committed. They charge {$6.00} extra for american money to be given in XXXX XXXX and then they give dominican money in XXXX XXXX. This is ludicrous! I want my {$6.00} returned. They refused to refund me my money. La nacional is a rip off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: McCarthy, Burgess & Wolff, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I contacted MBW after XXXX told me that my debt was sent to XXXX XXXX. I did not get a letter, email or anything in writing from MBW informing me of the debt owed. There was no validation in writing from MBW of the debt. When I contact MBW, Rep XXXX informed me that I owed {$690.00}. I informed him that I was on a fixed income and could not pay the debt owed. Afterwich, he transfered my call to Rep/Agent XXXX. I tried to explain to her that I didn't not owe the debt that XXXX is stating based on information from XXXX. XXXX is the representative for XXXX. XXXX stated that my account was credited for billing, therefore no debt was owed to XXXX. Needless to say, that didn't matter to her as she wasn't very pleasant. She was only interested in setting up the payment arrangements. She said she needed {$30.00} at the time to start the payment plan and keep it from going to the credit bureau. Afterwich an amount of {$110.00} will need to be payment monthly ( starting in XX/XX/XXXX ) for the next five months. Again, I stated that I was on a fixed income and could not afford it but it seems to not really matter to her. So I began the pain staking task of setting up payment arrangement by providing my bank information to MBW to keep my name from going to the credit bureau. She said that I will get a written letter starting in XX/XX/XXXX after each payment is made. I was not given the opportunity to resolve this issue with XXXX before MBW started the collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The late fees have increased finnomally, and it unable to make payments.

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 2017-04-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Late payments on my Credit report are wrong information about my payment history. I have never been late I have always made my payments on time. Please remove as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor.

Numerous unauthorized hard inquiries are also showing on 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 2017-04-25
Company: STERLING JEWELERS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went on to Kay Jewelers website on  XX/XX/2017    and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent  to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a  XXXX  credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the  XXXX  separate cards and  XXXX  separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the  XXXX  accounts. I was not told that the  XXXX  accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on  XX/XX/2017    and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
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:
I sent a letter Portfolio Recovery asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. 
not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Northstar Location Services, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a letter From Northstar collecting debt from a credit card company that an account was opened using my identity. I requested documentation North star did not provide. North Star 's letter states I will experience tax consequences which that language is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX accounts showing on my credit report were all placed in bankruptcy XXXXchapter 0n XX/XX/2018 and I was authorized user not. They should not be show on my credit report as still open and delinquent. Are Affecting my credit Score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MA
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 am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXX, XXXX  XXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.

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 2017-04-25
Company: EQUIFAX, INC.
State: MD
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 am filling complaint about certain credit inquiries I found on my account. I contacted the companies in which the inquiries were from and still nothing has happen. I also contacted the credit bureaus which also have done nothing to get the accounts removed. It has been over months and nothing has been done and I need these items removed looking forward to hearing from you all as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/ I made an attempt to call to inquire about the collection on my credit report. The person instructed me to give them my personal information. They refused to give their name and told me I couldn't speak to a supervisor and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Arena Investors, LP
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We received a letter from North Shore Agency saying to collect a debt that we have no clue about. When I tried to call the phone number to dispute the claim, it has no record of the account number. I did email. It all seems very suspicious. It states to go to the website to see rights under federal law, but it isn't a working website. I'm very worried that it is a scam. I don't know how to tell, because I can not call and find out anything about the debt. IT says it's for XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
The three bureaus have for years removed this fraudulent account from my report but continuing let this company place this same collection onto my report I dont understand Im positive they can see in there notes they have removed this account numerous times it comes back and always damage my score Im asking that the three bureaus remove XXXX  XXXX from all three reports and never let them place it back! It has been proving not to be mine

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 2023-02-28
Company: JPMORGAN CHASE & CO.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX Bank /checking / amount stolen XXXX XXXX company not working with me closed account number off all these accounts that were robbed and had identity theft and fraud done to them. I would also like a full refund from my accounts the person stole money from which is XXXX XXXX / Chase JP Morgan 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. 2. XXXX XXXXXXXX XXXX XXXX XXXX Fraudulently Filled Two online Applications. 3. First premier credit Card. 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  Checking Acct XXXX Fraudulently took XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank Acct XXXX XXXX XXXX XXXX. 
Filled out XXXX Credit Card XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ). XXXX. XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX. Acct XXXX Acct XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account. The creditor is reporting a past due amount on a charged off account. I have advised the credit reporting agency that they are in violation and they refuse to respond to me or correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Northstar Location Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
NORTHSTAR LOCATION SERVICES LLC has obtain a credit report from XXXX without my permission and they have now infringed on my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Professional Credit Management, Inc
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company continues to report false and inaccurate information to the credit bureaus and will not provide proof is such debt as by way of a debt validation letter that has been asked for numerous of times. Continues to threaten legal action and repeated calls

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This will be my last time filing a complaint with Wells Fargo on CFPB. I am under the impression of Wells Fargo 0 % liability for fraud purchases. I completed the steps needed in order to guarantee my {$2000.00} back. I have offered to provide my own evidence to show that I did not make not those charges, and waited to be contacted about the case. No one ever contacted me until 10 days later to tell me my claim was denied. Even though, I was told a representative from Wells Fargo would contact me for more information regarding the claim. I have asked multiple times for valid proof that the charges from my claim were not fraudulent, but you all have yet to do this. I have asked multiple times, through phone, email, and this here company. So, I dont understand how a thorough investigation was completed without the help of myself or any substantial evidence being located by the bank. I have documented every encounter and included the companys response to every single one of the encounters. If you all know for a fact that the charges werent fraudulent, then it should be absolutely no reason why you all can not provide that evidence. I understand you all profile certain customers, and Im sure if I were a XXXX XXXX, this would have been handled much differently. I have been patient, and I have tried every possible route to receive my money. If, I do not receive my {$2000.00}, I will be filing a lawsuit for {$10000.00} since in Texas, that will allow me to bypass state/federal court. With all of the very recent multi-million dollar lawsuits against Wells Fargo, including fraud, scandal, overcharging of customers, and more, it only provides more backing for my lawsuit. Whomever is receiving this case, can email me and I will happily send over a copy of the lawsuit. This will be my last time contacting Wells Fargo, as I now have all of the evidence needed for a case to be brought against this bank.

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 2017-04-25
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filling this complaint because I have submitted a modification packet since  XXXX . I was told to keep submitted additional documents to make sure my loan continues the review. However when I called Wells Fargo to get an update I was told that I have a schedule sale date for  XXXX   XXXX ,   XXXX  . I was shocked because I have never den ied Wells Fargo to  reach out to me in case anything additional was needed. I am still willing to work wi th Wells Fargo. H owever today I spoke Agent  XXXX  id #  XXXX . From the re-entry team  XXXX  stated that due to my active sale date . Wells Fargo i s refusing to review my modification packet even though it was submitted 30 days before my sale date. Therefore I had to involve my investor  XXXX   XXXX  I open a  case number-  XXXX . Due to all the fraudulent and deceptive practices  Wells Fargo is  using in order to deny me any assistance. When I spoke to my investor I was advised by Agent  XXXX  there was no respond from my lender. I have the right as a home owner to be review for a modification. I have also advis ed Wells Fargo my  husband income is enough to be provided an affordable mortgage payment. My husband and I have attended workshops for struggling home owner like ourselves and have created a stick budget to make sure we cut lots of unnecessary expenses to make sure we can present a surplus to Wells Fargo. Our intentions are to keep our house with an affordable mortgage payment.

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 2017-04-25
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2013 Ocwen sta rted foreclosure. At the same time I was applied and was approved for a new mortgage through a paternership with ocwen a ist alliance lending. On the day of closing I had a ist payment certified check {$1500.00}. No one showed. I called ist alliance lawyers they told ocwen did n't show with documents to do the closing. With 9 days left to answer complaint of foreclosure I hired a lawyer. For foreclosure they had a unindorsed note and a fraudulent assignment of mortgage. They claimed securitization of the note with no evidence.

Company response to consumer: Closed with explanation