BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was falling behind in my bills due to the pandamic. In an effort to rebuild my credit I opted for a debit consolidation instead of filing for banckruptcy. The program I was is called XXXX XXXX XXXX. The name changed during the process of my consolidation from XXXX XXXX XXXX. After considering how the program worked, my husband and I felt it would be a good choice. We were required to submit all of our debt and they worked out a monthly amount we were to pay to them. Once there was enough money to cover a debit, the would call to make an offer to settle the account. Since we had made the monthly payments on time for six months, they offer us a program where we could apply for a loan to pay off the creditors faster. We agreed. One of the creditors was Best Buy monitored by Citi Bank. They wer unwilling to accept any commuitcations with the debt consolidation company. I contacted BestBuy ' billing department and ask for an amount that would settle the account. The account at that time was about {$3000.00}. They were uncooperative and unwilling to be reasonable with an agreeement. Finally I had no choice as I was needed to settle to get the loan amoun to we agreed on {$2200.00}. The debit consolication company sent the payment on XX/XX/2022 and we paid the company a fee of {$290.00} to settle. The debit consolidation company said it takes about 60 days to see the change in the credit rating. We waited until XXXX and there was no change there was reflected a balance due. Put in a complaint with the Best Buy and the debit relief company. Best Buy/Citi Bank stated they never made an agreement. The phone calls are recorded so we asked them to list to the call. They claim they. If they checked the payment history on the could it would show minimum payments and then this odd amount paid. I sent a complaint to XXXX who monitors my credit to put in a complaint as well. Now my account reads 120 days past due. This has been an ongoing nighmare. I did everything that was asked to settle this account and not only is there a balance still due but my credit is being adversly affected. I believe Best Buy/Citi Bank was not truthful in there attempts to help rectify this problem. We tried reachin out to upper management for help with this problem but was uanble to get any assistance.

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 2022-08-23
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was not legally made aware that debt owed to XXXX XXXX XXXX was sent to collections. Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

The company has previously filed a lawsuit against XXXX XXXX for a debt notice that has no proof of certified mailing for any notification. 

On XX/XX/XXXX, a summons was attempted, however was not successful. On XX/XX/XXXX, a summons was attempted but not successful. 

Today, XX/XX/XXXX I spoke to XXXX XXXX and I was told that a new suit would be filed when I stated that I have consumer right to be notified regarding debt and I did not receive a demand letter on XX/XX/XXXX and the company was unable to provide proof certified mail. 

I requested that attorney fees be removed from the account balance and any court costs associated with the balance because I never received any written communication from the company to efficiently and effectively dispute the debt. 

At this time XXXX XXXX is providing GAP insurance coverage and XXXX XXXX XXXX has not provided the necessary documentation to validate the due date change for the 1st payment due on the account ( loan due date correction letter ), and the 2nd payment due on the account ( loan extension modification letter 60 payments changed to 61 payments ). 

XXXX XXXX is unable to pay further on the loan without two letters clarifying that the 1st payment on the account was legally changed, and that the 2nd payment on the account was extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
While we were vacationing in XXXX XXXX in XX/XX/2022, our rental car was damaged as the result of an attempted break-in. We filed a claim for XXXX with Chase credit card services on XX/XX/XXXX when we returned to the XXXX Chase says they will cover damages if we use their card to pay for the rental car, and waive the rental car agency 's coverage. We did this. Travel insurance is one of the benefits we pay for with this card. After months of emails asking for documentation we previously submitted and countless attempts to contact Chase by phone, I was finally able to get through to a representative on the phone on XX/XX/XXXX. The representative, XXXX, said that she saw that all the documentation had been filed, and agreed that we had a valid claim, but said she was required to pass on the claim to her supervisor. She said she would call me back within ten business days with a response. On XX/XX/XXXX, after 10 business days, I followed up and got no response. It's been over 20 business days since that initial call, and I still haven't gotten a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i tried to send a domestic transfer. i am out of the states. the bank flagged the transaction and asked me a verification number as to where my social security was issued. the information stored in their system is wrong and accordingly I always got a wrong answer, and thus they would not able to process my request

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was offered a credit monitoring product from equifax, in XX/XX/XXXX. After q month I decided the plan was weak and did not offer me what I expected, therefore I tried to cancel the product, I was told by equifax to login to my account to cancel, when I did I couldn't find the cancelation feature and called the Equifax consumer help line. 
When I was helped by the agent who proportedly claimed that the service was canceled. 
Then I contracted XXXX in both XXXX and had a XXXX XXXX, I have been consumed with healing and dealing with my medical condition, as I had a XXXX XXXX 
Now today I Che k my credit card and realize Equifax is still charging me the {$5.00} monthly service fee and called Equifax support, who refused to return my money and charged me a XXXX XXXX  surcharge for XX/XX/XXXX. 
I was asking for and expecting a full 1yr subscription refund, yet the equifaxe agent only intent was to rip me off. I am deserving and owed a full refund of {$5.00} XXXX XXXX = {$71.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX of Citizens Bank is in my opinion presiding over yet again another incompetent, terrible graphics, and now theft/diversion of more than {$8000.00} that we have credit card swiped from our law firm clients since at least XX/XX/2022 which has still not yet hit out checking account at Citizens Bank XXXX To make matters worse we have been sending him queries/complaints for a week now and he does not even respond to us. We need our money now, urgently, for employee payroll, rent, insurance, bills, and other exigent costs of doing small business. We have had many problems with XXXX XXXX ( aka XXXX before, check your records/our previous complaints as they might be illegally and further retaliating against us for filing bona fide and legitimate previous complaints ). Not only this, but we are also locked out of our accessmyiq.com account so we can not even look at our credit card data and reports for weeks, and they ( XXXX ) will not respond to us, either. Please urgently investigate, assist, and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: SLM CORPORATION
State: PA
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:
Sallie Mae sold my student loans to XXXX XXXX AND I paid them in full with a 1099A which finances the loan for pay off and set off. Since the loans are off Sallie Mae Books they should not be reported like they are still owning the loan themselves. What i want for them to do is stop reporting the loan and remove the items from my credit report becuase they sold the debt to XXXX XXXX and no own it. 


XXXX  XXXX was paid with a 1099A and is committing trust fraud bank fraud and money laudering etc which i will be reporting to other companies as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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 have previously disputed a Collection account that was added to my XXXX, Equifax, and XXXX credit profiles requesting validation of the debt listed. XXXX deleted this account due to not being able to validate it. XXXX and Equifax did not delete this account, stating it was valid. Neither bureau provided proof of validation as was requested. 

I have since contacted the collection agency for validation and have only received a copy of a ledger. I have notified the XXXX XXXX of a pending lawsuit against the organization they are collecting on behalf of as this debt is both illegal and invalid. The collection company sent me back the documentation claiming it is verification of the debt and they are refusing to remove it. I am in active litigation with the alleged creditor about this false debt and it is extremely detrimental to my lending ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: OneMain Finance Corporation
State: CA
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:
I am the original creditor. See Hurds Rev Stat Chap 32,36.

United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.

U.S. Homeland Security and Border Protection Cop-06-00039 - geodetic survey blood right heir ( royal trust ) 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.

15 USC 1692 congressional declaration of purpose.

House Joint Resolution 192!!!

In accordance with the fair credit reporting act The principal debtor is responsible.

15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.

15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. 

AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). 
Remove the fraudulent XXXX claims. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2020 XXXX payment {$200.00} XX/XX/2020 XXXX payment {$500.00} I went through XXXX since it was asked of myself and my bank had ties with them. After finding this vacation property to be fraud they demanded {$600.00} more from me and I would then get my refund. My bank told me since I authorized the payment they were not accountable and they shortly after overdrew my account by {$400.00} and they dropped me for being high risk of fraud. I was never able to get anyone to help me nor did I know about XXXX. There should not be a time limit on someone stealing from u and a person not knowing how to handle what has happened with no legal willing advice.

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 2022-09-28
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX zelle payment sent to scammer XX/XX/XXXX - dispute reported to bank XX/XX/XXXX - bank denied dispute and stated no further action to be taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXXBalance : {$2200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX  XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}

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 2022-12-10
Company: AMERICAN EXPRESS COMPANY
State: IL
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 recently opened a dispute with American Express regarding a transaction of {$1600.00}. American Express kept postponing the dispute decision. After a while, they closed the dispute since they believed " according to the transaction '' circumstances they couldn't verify that the merchant failed to deliver the product. 

This is completely disgraceful since I provided them with proof that the merchant failed to deliver such goods. This leaves worried and anxious to use American Express again because I feel that merchants can get away by breaching the rules of terms and service and AMEX can't do anything about it. 

I am extremely mad and frustrated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a business VISA credit card with US Bank. For over 2 months, I have brought to US Bank 's attention that I am unable to pay my credit card statement balance using an external bank 's checking account. I receive technical errors when attempting to add the bank 's info stating that I have already added the bank account and it is ready to use. Unfortunate, that bank is NOT added and I can not use it. Therefore, I am being charged interest on my balance because I can not pay it. No one has ever offered a solution that worked. Nor has anyone set up auto pay for me, nor offered. No one has offered to take payment over the phone. I am only advised to " try this '' option online. Then it doesn't work, and I not only have a late fee but an interest charge. US Bank 's inability to process a payment and/or assist their customer 's with technical support is costing me, the consumer, money and MAKING them 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 non-monetary relief
Consumer complaint received 2022-12-10
Company: JPMORGAN CHASE & CO.
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:
On XX/XX/2022 I purchased gas for my car in the amount of {$67.00} at XXXX XXXX XXXX in XXXX, CA. That charge appeared on our account and is not in dispute. An additional charge of {$320.00} appeared on our account from the same merchant on the same date. I am disputing the {$320.00} charge because I did not make it. 

I contacted the merchant and was told they could not help me and to contact my bank. 
I contacted the credit card company, Chase, and they opened a fraud case. Their conclusion was that it did not qualify as a fraud case. I asked about my options and they advised me to contact their Merchant Dispute department. I did so and they opened a merchant dispute claim. The Merchant Dispute department concluded that it did not qualify as a merchant dispute claim.

For the last 6 months Chase has referred me several times back and forth between the Chase Merchant Dispute department and the Fraud department. Every time each department denied my claim. Most recently I received an update from the Fraud department on XX/XX/2022 again advising me that they were denying my claim. 

At this point I believe I need extra help to get Chase to honor my claim. Can you help me?

Company response to consumer: Closed with monetary relief