BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I paid excise tax back in XXXX, for over XXXX dollars. Car was totaled on XX/XX/20 It was paid off by my insurance. 
I have been trying to calll Chrysler Capital Several times with no able to direct me, or put me on hold and then they hang up. 
I just want my abatement check, they owe me. ( its probably around XXXX ) XXXX XXXX I also put in a complaint before with company on this site

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On or about XX/XX/XXXX, received mail from Huntington Bank congratulating me on opening a new account. I did not open any accounts with that bank. 

On XX/XX/XXXX I contacted Huntington via phone and spoke with a representative. She said the account would be closed. At that time I was aware that a checking account and potentially a debit/credit card had been issued in my name. 

On XX/XX/XXXX, I received a statement from Huntington showing accounts were opened for both savings and checking, although with no transactions from XXXX XXXX XXXX. That suggest XX/XX/XXXX may have been the start date for the fraud. 

On XX/XX/XXXX I called Huntington but phone issues prevented the callback ( 50 minute wait ). I sent a note to the Huntington fraud department via their email address from the website detailing the situation again. 

On XX/XX/XXXX I called again and spoke to another representative who said the account should be closed, and not to be concerned if there was no activity. To date there has been no correspondence from Huntington whether the fraudulent account was closed, or when it might be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Idenity theft, submitted affidavit and paperwork to company. 
Company did not comply with validation of account

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 2021-06-17
Company: Law Office of Brett M. Borland, P.C.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Good morning, XXXX XXXX XXXX from called from Brett Borland Law Office in XXXX, GA. I assume she found my business number on my website and called it. That is illegal. She ordered me to return her phone call by XXXX XXXX that day. She is not my lawyer. I do not have to answer to her. As a courtesy, I instructed her to call my mobile phone one time and one time only as a VM. I asked for her identification information and she became irate and started yelling at me. I had to end the phone call. I only asked for her phone number and address. She began to badger me for my birthday to identify me. She called me. I keep asking for her address that's all. 

I believe this relates to the complaint I just filed against XXXX and XXXX XXXX XXXX late yesterday. 

If she is calling about a debt, she can mail it and send it in writing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.

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 2021-06-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit to a Chase ATM on XX/XX/21 of {$1400.00} The machine errored out and ate my deposit. I was able to get {$300.00} out of the machine. 
I called Chase as soon as it happed and they said there claims department was closed. I called the next morning the said the would process the info and issue a credit to the account with 13 hours or 1-2 bus. days. It is now the XXXX bus. day. I called and was informed that there was no money in the machine and it would take 10 days for them to investigate the issue. 
I gave them the machine number ( XXXX ) and the Sequence number ( XXXX XXXX and the address of the Chase ATM ( XXXX XXXX XXXX XXXX, XXXX AZ._ along with the error code on the machine ( XXXX ). 
I told them I was able to get out XXXX for a total of {$1100.00} That I was do back. 
On Thursday, XX/XX/21 called and asked to speak with a sup. They told me that it would be an additional 10- days because they were investigating. 
I have bills to pay and no additional time to wait. This is on Chase not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have reached out to Equifax ( EQ ) over 25 times regarding this matter each time being hung up on or transferred into dead air. 

I have asked that EQ follow the guidelines of the FCRA. 
I have reported REPEATED VIOLATIONS of the FCRA to the company as well. 
The company has acknowledged they are in violation of the FCRA and that i need to contact the CFPB if I want to have issue resolved. 

When i asked EQ who authorized them to furnish a credit report i was instructed that congress and the CFPB gave them the authority to do such. As I have advised to representatives there that EQ is an independent company who ASSUMED this role and was not AUTHORIZED to do such - i am hung up on. When i reach out and ask who gave authorization for EQ to furnish a report - i am hung up on. 

According to the CFPB and the FCRA Equifax needs to have my written authorization which gives instruction or permission to furnish a report on myself. 
I have asked EQ to generate the document showing that i have given them permission to furnish a report - the same rules and guidelines as set forth by the CFPB- and they tell me that they can't generate it. I have requested on 10+ occasions that EQ delete any piece of information on the current report that they have generated as i have NEVER GIVEN MY WRITTEN AUTHORIZATION to generate furnish or produce any report whatsoever about me or my likeness. Furthermore no piece of information that was furnished was validated or verified as identified by the terms set forth in the FCRA. I never gave permission especially not to report inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CITIBANK, N.A.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Explain to me how I am years ahead in repayment. My income is up, my credit is up, I am paying still more early and my interest rates on my loans go up on me. This is just squeezing more money and trying to claim oh its the market. No its a bank wanting more money when its already made XXXX in interest off me on student loans. And I do mean thousands made off me.

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 2016-02-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
As of my XXXX XXXX, XXXX, billing statement I have incurred a {$26.00} late fee and also interest charge of {$20.00} on my statement for my Citibank thankyou XXXX credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of {$25.00} on the due date. I also was signed up with a 0 % promotion when I obtained the card in XXXX of XXXX with no interest until XXXX of XXXX. The customer service agent advised that I have incurred interest charges since XXXX XXXX on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter, nor was I contact about this either. I am being billed fraudulently for interest and also billed a late fee. I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT. I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. I have paid my balance in full for the amount of {$3400.00}. I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX and XXXX  since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.

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 2022-04-12
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair Credit Reporting act XXXX  accounts XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, 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 I have also requested validation of an item reported to you by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have received my confidential medical records in response without a prior written release clearly violating my rights under HIPAA XXXX 

Legal action is will commence against XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Should these item not be promptly removed from my credit report. I will pursue every legal route available against any agency responsible for reporting this violation. 

FCRA violation Remove all account because you are reporting inaccurate dates from when the collection was First received, last up dated and Removed dates are all different on all 3 Credit bureau yall cant be getting the same information from the same source but have different dates you all have even also reset my 7 year removal date Several times which is a serious violation making it harder for me Financially with all this inaccurate information on my whole credit report for several years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting numerous phone calls from XXXX - Dynamic Recovery, who leaves messages to call them. Today I picked up the call and a lady continued to harass me over a debt by their client ( Do not know the name of the client ) that is from 2006. I do not have any debt and said this to her, however, she continued to harass and then became threatening in her tone of voice. I stated that she can not call me for a debt that that I do not owe plus it is over 11 years old. She stated that she can continue to contact me because the debt is due. I asked her to stop calling/communicating with me and that I will be reporting her to CFPB immediately. She then hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Dear Consumer Financial Protection Bureau, I am seeking assistance with my Navient Private Student loans to prevent default on XX/XX/2017. 

My husband and I have been making monthly payments ( according to Navient 's letters to prevent default ) and ongoing communications ( mail, fax, phone ). However, it seems Navient continues to deny our efforts. 

I have attached a payment confirmation and communications .pdf " Navient Log File of Events '' to validate my facts for support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CNG HOLDINGS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MO
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 have been disputing this debt since XX/XX/XXXX with the Bureaus for reporting inaccurate information and since XX/XX/21 with the collection agencies. I requested for validation of the debt and sent me a unsigned contract and did not send all the requested validation documents and continue to report this information on my credit with XXXX XXXX. I asked for additional documentation and they just continue to ignore. Attached is the documents that they sent and an unsigned contract. They are violating my consumer rights! Also XXXX XXXX have not even opened and investigation not have alliance after i have requested for them to do so their hasn't been a recent report update or any documentation sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: EQUIFAX, INC.
State: SC
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:
a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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:
To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This loan is a Predatory Loan ever since the Mortgage industry crashed/failed in XXXX, and XXXX  XXXX XXXX never adhered to the Foreclosure Review Team. Now Select Portfolio Servicing , Inc has my loan now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I send a deposit for a rental property throw my Chase bank account XXXX XXXX. Chase process this through XXXX. I turns out that the is was a scam. I contacted XXXX they said I had to contact by bank. Chase open a claim and told me that they would contact XXXX to get the money back from were the money was transferred to and that this would take 3-5 bus. days to attempt to resolve. no less that 24 hours later I got a letter stating they could not help me. because this was a XXXX issue. 
I told they that this was a service and or merchandise that was not render or I did not receive merchandise for what I paid. And I feel that they should be protection from the Chase stand point because this was done through my Chase account. 
I did not choose to go through XXXX that I what Chase gave me as an option. I feel as if if I had written a Check and put a stop on payment of place it on my Debit card I would be able to get the money back because it went through my account. Why not for XXXX? 
The total amount I should receive back is {$1200.00} I have reached out to the person that received the transaction they said they would return the money but have not done so. Their email for XXXX transactions is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: ENCORE CAPITAL GROUP 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:
Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries

Company response to consumer: Closed with explanation