BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-28
Company: CITIBANK, N.A.
State: TX
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 filed a dispute for an unauthorized charge on XX/XX/21 for {$5000.00} to sears Home Improvement account. I provided all infromation required and have followed up with the credit card. I was initially informed it would be resolved within XXXX billing cycles after the complaint was filed, however has been over 90 days and the credit card company has not resolved it. They keep on telling me that the merchant, who made the unauthorized charge has not responded and that I have to wait until they reply. As mentioned before, ti has been over 90 days since the complaint was filed, today is the 93 day and this has not been resolved. As per federal law, it is my understanding that if it is not resolved within this time period, then I am not responsible for the charge.

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 2022-03-28
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt don't belongs to me.It was a product of identity theft and I demand that it be block and or deleted from my consumer report. 15 U.S.CODE 1681c-2 Block of information resulting from identity. 
This is my second complaint with this company [ XXXX XXXX ] about the same issue. 
XXXX # XXXX. 
XXXX {$9000.00} This is a fraudulent Account made by someone other then me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-07
Company: CITIBANK, N.A.
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I sell some personal property on XXXX from time to time. Recently, I sold a used phone. A customer paid in full for the phone and I shipped the goods. The transaction is completed. For reasons unknown, however, XXXX is keeping 60 % of the transaction value on hold for 30 days. Why is this legal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has dropped my credit score by 70 points in one month. I pulled credit report with them and XXXX there isnt anything that has changed in months. Cant get thru to anyone to talk to. So I would like some help.

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 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Payment reported lated on 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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
loan care which is my mortgage company through my va loan, put me in forbearance upon my request for 60 days. however, they keep sending me letters asking for my missed XXXX payment of 2022. i dont know why they keep asking me for this whenever they put me in forbearance. they also told me they cant help me in regards to me being a XXXX vet with no job and if the issue arises to where im no longer able to pay the mortgage to them. i am a XXXX veteran and i am permantely and totally XXXX through the va as well and that means i cant work. i am requesting assistance in getting the loan paid off as much as they can help me with it

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 2022-03-28
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: Was not notified of investigation status or results

Complaint:
In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
Brooks Brothers Credit Card, which I believe is currently issued and serviced by Citi Group, has incorrectly reported a negative remark and has not taken actions as promised by its representatives. It is my understanding that the Citi Group has acquired or taken over Brooks Brothers Credit Card accounts from its previous servicer sometime in the XX/XX/2015, XXXX or XXXX. 

Unfortunately and in fact, ever since the account transfer to the Citi Group ( which I did not know that it did ), I did not receive any correspondence including but not limited to billing statements, emails, and a new card. My log-in did not work with the site and I had no reasonable ways to contact the credit card servicer during my business trip in XXXX. Thus, when I came back I immediately called the Citi Group after finding out that the Citi Group acquired my account. When I spoke with the representative, the person completely acknowledged the mistakes and faults of the Citi Group for failing to deliver necessaries to my attention and then refunded me a late fee with assurance that I would not get any negative remarks from this. After getting my late fees removed, I called back to make sure that I would not get any negative remarks on my credit report and at then, other representative also assured that I would be fine and without any delinquency/late and/or other negative remarks. 

However, several weeks later I was able to locate that there was a negative remark stating that I was 30 days late. I called back to confront the issues and ever since then, the Citi Group has changed its words and is now saying that the reporting is valid. Even some of their representatives are urging me to write and report what I have experienced. The Citi Group has dropped the ball and they should be responsible in fixing the issue. The Citi Group is acting in deception and fraud as they are not abiding by what their representatives have assured and guaranteed. 

Furthermore, I believe one of the main issues here is that when the transfer or acquisition was made by the Citi Group, they did n't notify their customers properly. Therefore, it is my belief that some account holders actually were confused and did n't know about the acquisition. Moreover, it would be extremely prejudicial for an account holder who NEVER had any late or otherwise negative remarks on his account ( account holder for almost 10 years ) to be penalized when it was clearly a banking error done by the Citi Group.

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 2022-03-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I wanted XXXX guards for my newly purchased home. I called XXXX  Filters ( whom I thought was using a loan company ) We agreed to 12.9 % XXXX. After signing the papers, I discover WELLS FARGO is the loan company. Then find out this a CREDIT CARD specifically for home improvement. I worked for other banks, but Wells Fargo is the bottom of the basket after the Credit Card scams uncovered. After getting settled in, and having issues with my plumbing... i looked at the paper statement and wondered why the balance was not going down. My payments {$110.00} per mo, but I pay, {$120.00} from the start to get it paid off faster. ( I planned to pay more as I got better situated ) I noticed I am being charged {$75.00} per month. I called XXXX XXXX, got a supervisor, after not being satisfied with the reason my interest is so high. XXXX, tried to explain, and kept putting me on hold ... XXXX min later and a snow job, she didn't eve know to explain she says look on last page and I will see how my XXXX is being process. Not XXXX but and XXXX as if i took CASH from a credit card. My first page list me paying at 12.9 %, but last page is XXXX XXXX XXXX in a XXXX day cycle.

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 2022-03-28
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent every company letters disputing all the alleged debts and delinquent accounts. According to the Fair Credit Reporting Act section 609 and 611 all of these accounts should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received XXXX Mortgage statement from Chase and saw that they charged my escrow account {$1000.00} on XX/XX/XXXX for XXXX insurance. I have the required building and hazard insurance, as well as my owner 's policy. I never signed up for XXXX insurance, was never notified I needed it, and certainly never authorized Chase to charge my escrow account for it. I contacted Chase customer service at XXXX and they spoke to their insurance department at XXXX XXXX. They agreed I did not need the insurance and said they would remove. They provided confirmation # XXXX and said I would receive written confirmation in the mail. I never received and then received an escrow analysis that my monthly payment would be increasing on XX/XX/XXXX to cover the XXXX insurance. I contacted Chase again on XXXX and they said it was still pending, but that they updated the pending status and that my escrow account should be credited within a few days and that I should call back to order another escrow analysis, which will correct my payment. I contacted Chase again on XXXX and the credit was still not provided and they hung up on me. How many people are they doing this to? They had no authorization whatsoever to charge me for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting Act convergent account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXXXXXX XXXX XXXX XXXX openXXXX chg off/closed XX/XX/XXXX shows activity XXXX- XX/XX/XXXX shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX of {$3.00} XXXX XX/XX/XXXX XXXX On XXXX  shows different date closed XX/XX/XXXX. XXXX owed {$910.00} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {$1100.00}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {$3100.00} this is not my acct. XXXX # XXXX XXXX XX/XX/XXXX XXXX off/closed last pmt. {$100.00} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {$100.00} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX  # XXXX shows {$270.00} & {$300.00} open XX/XX/XXXX not my acct. XXXX XX/XX/XXXX XXXX not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.

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 2016-09-23
Company: CORELOGIC INC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I found out that the second portion of my property tax had not been paid. My lender XXXX XXXX XXXX has been using a third-party called CoreLogic. This third-party is responsible for the payment of the property tax. Since XX/XX/XXXX I have notified XXXX XXXX that there was a problem. I was continually told that the property tax was paid just to find out through my refi lender and through the county that the money was not received. A couple months ago I called XXXX XXXX again XXXX have XXXX way conversation with County about the amount of property tax that was due. After a thorough conversation of the amount that was owed CoreLogic did not pay XXXX XXXX in XXXX which added on another late fee. XXXX XXXX told me that CoreLogic had said they contacted County and the property tax was paid an up-to-date. I was finally able to reach an agent with CoreLogic and let her know what was happening. She told me to send her the message from County that there was still money due. The whole while XXXX XXXX is telling me that CoreLogic is saying that they do n't know anything and that I needed to pay the remainder amount of {$250.00} because it was not part of the property tax. Between XXXX XXXX and CoreLogic it has been over 6 months that I have not been able to refi my home and my phone has been up for grabs for the bank to put a lien on it. CoreLogic has been irresponsible in its dealings and has not make sure that the money being sent to county is the proper amount. They have kept me going around and around in a circle calling and having be on the phone for many hours trying to figure out what the problem is. I have a recording of my conversation with a XXXX XXXX agent who said that CoreLogic was saying the property tax was paid in full. I was told that I would have to send them a bill showing that the {$250.00} was from property tax which they knew it was from. I am demanding financial compensation from CoreLogic for the ridiculous hassle and worry they have caused me for over 6 months going back and forth trying to get this situation resolved and the whole time I could n't refinance which cost me money. They are a huge part of the problem along with XXXX XXXX who I am also seeking compensation from. If this is not settled I will be taking CoreLogic to small claims court and bringing along my recordings. I am asking for a {$2000.00} settlement.

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 2020-09-22
Company: EQUIFAX, INC.
State: LA
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:
THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
THE ACCOUNTS IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2021-01-25
Company: MoneyLion Inc.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 Money Lion INC did in writing acknowledge its behavior in XXXX Complaint # XXXX involving Money Lion INC for unauthorized transactions debit from checking acct ending XXXX. All 3 credit bureaus were notified of cease reporting of Money Lion Inc on my report while in litigation. Remove and delete MoneyLion inc from my credit report. On XX/XX/2020 legal representatives sent certified mail correspondence awaiting reply from Money Lion who as of today still has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Amerisave Mortgage did not notify me that my COVID-19 forbearance plan was coming to an end and to discuss available options, if any. I found out by calling their customer service who informed me. So I requested a loan modification package which Amerisave said I should complete before XX/XX/XXXX. I completed and sent all the required documentation to them on XX/XX/XXXX. I received a letter from Amerisave via their portal on XX/XX/XXXX that I was missing on more item which was a copy of my XXXX - XXXX. I immediately uploaded it on the same day, XX/XX/XXXX and haven't received any other document requests. I've been calling their service line nearly every day to find out if my file is complete and being reviewed for a loan modification or other available options, or if they are flat out denying me an option. Their letters also stated that they would not file foreclosure on my property as long as my application was deemed complete and under review or they denied me and offered an appeal period. To date, they will not respond, but their attorneys have sent numerous foreclosure letters to my home.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
American Express serve card just cut off a bunch of customers accounts. We loaded our money onto these cards and they took the money. Cant log into the site, we cant spend, all purchases are declined and when we call the autmoated voice says put in you social and says no account linked to that social and hangs u. This is a card that people who cant use banks, use to load their money on and they are mostly poor and their money is gone! They shut down their system

Company response to consumer: Closed with non-monetary relief