BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Green Square Company LLC.
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
There is a woman named XXXX, her extension is XXXX. The phone number to this debt collection company is XXXX. I never can get a clear answer of the name of this debt collection company, but when I did call after receiving threats from XXXX, she continued to try and get personal financial information of mine from me. She, or whoever else continues to call my mother 's house and leave information about the debt and what they are going to do if I do n't pay it. They continue to say they are going to take everything I own, going to sue me, I was talked very rudely to on the phone. I do not appreciate how this was handled. I do not dispute the debt, however, things could be done in a lot more nicer and professional manner. I would like them to cease contacting my mother 's house. I do not live there. I do not know why they continue to bother her with my personal business. The website I used to get the loan was okay to begin with ... the way people were able to get the amount of a loan needed, and pay it back on the next payday. Their policy was owing 10-15 % plus the amount of the loan. Then, for some reason, they changed their policies, not giving really any good reason as to why the change, and the website was not explanatory enough as to charging a certain interest rate per day that you did n't pay the loan back up until your payday. I kept it up for a while, until it just got so ridiculously expensive, and I just could n't do it anymore. I could not afford what they were trying to charge me and it was racking up charges left and right..just bewildering me. What I do not understand now, is why all the hostility over a debt? Why call and say I 'm in trouble, I 'm being sued, they want my financial information, they want to wipe everything out of mine, rather than it be something that just goes on my credit at the end of the day? Does it have to be this hard? I understand it is my debt, but when I can not do anything about it, and I continue to get harassed and heckled about it, even my mother 's ... should something be done to relieve my situation?

Company response to consumer: Closed
Consumer complaint received 2021-12-22
Company: Centralized Business Solutions Company
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Centralized Business Solutions Company at XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX has been reporting collections to all 3 credit bureaus in the amount of {$2500.00}. I have sent them a debt validation letter by certified mail that they received 30 days ago on XX/XX/2021 which they have not responded to, to validate the debt. They still continue to report the debt to all 3 credit bureaus. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
You mean the short version : we fell behind on our mortgage because and storm damage insurance claim was denied and we were in the midst of the double dip recession XXXX and a severe reduction in income. Since then we applied for a mortgage modification with CitiMortgage. I started keeping better records as of XXXX XXXX, XXXX, I have since then kept all copies of submitted documents. We respond either within hours, if a few documents are required or within a few days of XXXX-XXXX pages are requested. It seems after each submission latter part of XXXX we would receive email/mail stating : 'your file is now complete and has been forwarded to the underwriter ' Then some time later we get the request for more documents, which we supply. By then of course some other documents have expired, so we send those updated documents again. Then, of course they change the person in charge of my account and so on and so on. This has gone on for over a year with no end in sight. Sadly and in addition to this cruel and unusual punishment, my income, which had been reduced to negative ( my company 's gross was reduced by 90 %, therefore I lived of savings ... .they are now exhausted ) is now coming back. Yes, we are quite behind and it will take a few years to catch up, however, we can now afford the mortgage. We just can not afford to catch up on XXXX late payments. We keep asking, begging for a solution but none seems forthcoming. Should this go on for 2 years? Five years? Is there any limit? 
Of course this the the very condensed version, I can submit a much more detailed timeline with ALL supporting documents. I will attach an early XXXX as well as this year 's documents. We would gladly submit copies of ALL documents for XX/XX/XXXX-XX/XX/XXXX but that might have to be vial XXXX on a jump drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I traded in my vehicle XXXX. Upon doing so, XXXX XXXX was supposed to send the payoff letter to Wells Fargo. They failed to do so in a timely manner, causing a late payment to be added to my credit report. Ive tried to dispute it and Ive contacted XXXX  numerous times about typing a certified letter to turn in to the credit bureaus, but they failed 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 2021-07-28
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I canceled my American Platinum card over a year ago. Recently, I received a letter stating that I owed money on the card. I called American Express and they said it was taken care of and I wouldn't have any issues. I was also told that this was American Express ' fault and not my own. 

Flash forward a month and my current Gold card gets declined. I called American Express and they said the Platinum card issue was not resolved and, because my gold card was linked to my platinum card, it was declined in association. It was a Saturday and I was told it would be resolved first thing Monday. It was not. 

My husband tried calling Monday and was on the phone for 2 hours with no resolution. I called later that day and after 2 hours all they could do for me was let me temporarily use my card for 5 days while they worked to resolve the issue. I doubt it will be resolved by then and my card will be unusable again due to an issue on their end. When I asked for a refund for my yearly fee, I was told no. I asked to speak with a supervisor and no one was there. I was told I would receive a call from a supervisor within 24 hours and no call came. 

American Express is holding my card XXXX due to an issue on their end that is out of my control. They have been harassing me with continual pay up texts, emails and mail. They have wasted hours of me and my husband 's time. I have been with amex for 6 years and it has become apparent that they only care about your money and not you as a consumer hence why they refused to refund my yearly fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Opened XXXX XXXX XXXX Closed XXXX XXXX XXXX Amount XXXX Company keeps reporting incorrect dates and times of 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 2016-07-23
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
On XXXX/XXXX/2016 I ordered a Sears Craftsman garage door opener remote on the telephone through Sears PartsDirect. My order # XXXX and model # XXXX ( Garage Door Opener XXXX-Function Visor Remote ) was charged through my Citi Visa credit for the amount of {$50.00}. I spoke with agent XXXX about the order. She sent me the picture of the model through my email. After reviewing the model of the remote, I did not think it was the right garage door opener remote that I wanted. I told XXXX to cancel the order and refund me the amount of {$50.00} immediately. XXXX told me she already canceled the order. However I NEVER received an email to confirm the order was canceled. 

On XXXX/XXXX/2016 at approximately XXXX, I called Sears Parts Direct to confirm the order was canceled since I NEVER received an email or refund of {$50.00} through my credit card. I spoke with XXXX on the phone. I tried to explain to XXXX about my situation and concern but she was rude to me by constantly interrupting me when I speak. XXXX did not show any concern towards her customer at all. She kept saying that I am threatening to write her up and file a complaint. I told XXXX that I would not file a complaint as long as she takes care of her customer by helping customer 's needs instead of being condescending. XXXX refused to assist me in a professional manner. I kept asking her where is my refund? I NEVER received an email to confirm a refund or cancelation. 

Today is XXXX/XXXX/2016 and I checked my Citi Visa credit card account. Sears Parts Direct still charged me {$50.00} and refused to give me a refund. XXXX and XXXX promised me that it will take 2-3 days to receive a refund. Today is a third day since I ordered and canceled the order of the garage door opener remote. NO refund yet appeared on my credit card statement.

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 2021-12-22
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2021 chime locked my account for suspected unusable activity. Not really sure why, I use this account to have my checks deposited from my job and for purchasing. It is now XX/XX/2021 my account is still locked. I have provided all the documentation requested and a selfie with my photo ID and a peice of paper with my name and date. I have called Chime customer service several times and everyone I speak to someone its the same thing. They dont know how long it could take to unlock my account they dont know why it was locked, they really dont know much of anything. I have read into many customer complaints about this very same thing happening to them and Chime keeping their money so I suspect this will be happening to me as well. What will be done about this very fraudulent company? Are we really going to let them get by with this???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
I have applied for a credit line increase on several occasions. I have not received any information in writing as to why I was declined. After multiple calls to supervisors and customer service representatives it was determined that you are basing your decision from XXXX credit reporting agency that I am showing delinquent account/s. I have no delinquent accounts on my XXXX credit report. I am enclosing a recent copy of that report that clearly states I have no delinquency 's or derogatory information. Please fix this as I am a good customer that just want an increase in credit.

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 2017-03-29
Company: CITIBANK, N.A.
State: OH
Product: Prepaid card
Sub-product: Payroll card
Issue: Fees

Complaint:
This card company charges XXXX for each declined transaction fee. It does n't matter if the website is the issue and you have funds available. 

I was charged XXXX in a two week period and they would only credit XXXX of them. That 's unacceptable to 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 2020-06-16
Company: EQUIFAX, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$120.00} COLLECTIONS XXXX {$130.00} COLLECTIONS XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$150.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX  XXXX {$260.00} XXXX XXXX {$720.00} BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX account # XXXX, XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX XXXX  Account # XXXX XXXX ( Original Creditor : FL XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ARS Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # 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

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 2015-08-24
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This was originally a debt from " XXXX XXXX XXXX '' whom would not give me a Itemized bill. Part of the bill was itemized but at the bottom was a charge for " other charges '' I asked them many times for a itemized bill, when they would not sent one I told them I would not pay anymore. The debt was sold to " Bay Area Credit Services '' whom contacted me repeatedly with offers to settle the debt for a lesser amount. I explained that I would pay the bill when I received a itemized bill. They sent me a new bill which was not itemized either, in fact it was less itemized then the original. I again explained that I would pay when I received a proper bill. To this day I have yet to receive one. The debt was reported to the Credit Agency 's and now I have a negative report on my credit. I do not believe this is a fair business practice and NO ONE should have to pay charges that are not given. " other charges '' tells me nothing. Nor do I think they should be able to impact my credit standings, It is just not right! I still have all the correspondence and bills regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Associated Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continue to call my work number over and over again. Prior to XXXX XXXX, they would leave messages on the general voicemail that this was an attempt to collect a debt and request a call back. They were told on XXXX XXXX at XXXX to stop calling this is a business. They stopped for a while, and have began calling AGAIN. They called at XXXX today from a number that just reads XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12
Company: CITIBANK, N.A.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 'm still getting harassed by CitiBank through their automated phone call, to whit : XXXX on the average of 6 times a day. I 've already told them that they will get get what I can pay. They do n't seem to understand that. Is there any way that someone can get them to stop the phone calls? Please? 
Thank you for your time.

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 2015-12-07
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I paid my XXXX minimum required payment for my Macy 's XXXX account by the due date. Macy 's incorrectly posted the payment to my Macy 's store account. I brought the mistake to their attention and they reduced my outstanding balance by the correct amount but did not make the correction to my minimum payment due. This is the third month that I have had to call them and ask them to correctly calculate my minimum monthly payment that I owe them and to reverse the late fees that have been assessed as a result of their mistake. I have spoken to almost XXXX Macy 's representatives in the past three months. I continue to field phone calls and have conversations with Macy 's customer service and credit representatives insisting I am past due and they are attempting to collect a debt since I have not paid the overstated amount in their system. Each time I have had to ask them to look at the notes on my account and explain that it was a system mistake, apparently the result of a software change in XXXX or XXXX. They acknowledge that the error was their fault but insist that there is no way for them to correct the overstated minimum amount due each month. They have now told me that the only way to solve the problem is for me to make an extra payment that exceeds the original amount of the misapplied payment. I am no longer able to use my Macy 's XXXX Account even though I still have a significant amount of available credit. All of my charges have been declined since XXXX XXXX. According to my last conversation with a Macy 's customer service supervisor XXXX XXXX, this has happened before ( a misapplied payment was made by their system ) and it has been the customer 's responsibility to fix the problem if he/she wants to continue using their line of credit. I expressed my shock since the " solution '' they are proposing essentially breaks the credit agreement we have with Macy 's. She then gave me the XXXX. XXXX address for their Disputes Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
Bonus not received, more than the minimum spend amount has been met. Bonus not provided even though product ordered was different product.

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 2021-12-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Chase. Chase claims they made the tax payment to my county, for my property. My county claims that they have received no such tax payment, has placed a lien on my house, and is charging me interest on the unpaid taxes. I have called Chase every business day since XX/XX/XXXX when I became aware of this issue to request that they either ( 1 ) provide evidence that the taxes were paid by Chase to the county or ( 2 ) provide me with a method to correct Chase 's inaccurate accounting on my loan to reflect that Chase has not actually paid the taxes. Each day Chase 's tax department tells me that they are unable to do either of these and that only a supervisor can provide proof of the payment or correct the escrow balance. They promise me, each day, that a supervisor will call me back that day to address the issue. I have yet to receive a call back from a supervisor. Each subsequent day I call they say the call will take place the following day. 

So I am simply stuck. My county thinks I owe them the taxes. Chase thinks I owe them the taxes. Chase can not provide me ( or the county ) with proof they paid the taxes as they claim and Chase 's tax department admittedly can not help me. As shown in the attached email thread with the county, the county claims that Chase 's escrow statement/accounting for my mortgage is inaccurate. Chase has been unable to prove otherwise and refuses to correct the inaccurate accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692XXXX, Account Number XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at

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