BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-15
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
OnXX/XX/XXXX I called XXXX XXXX Credit card that I overpaid my bill by {$310.00} and I requested to send me my money back - I should receive check from 7-10 days. 
I called XXXX XXXX card again after 16 days on XX/XX/XXXX and I've told representative that my refund check didn't show up yet. 
He offered me to cancel first check and issue new one after 7-10 days. 
After 14 days on XX/XX/XXXX I called XXXX XXXX Credit Card and I asked them to check what did happen to my second refund check? 
XXXX XXXX Credit Card representative told me that currently they are working on fraud case to determinate who took my check and my money from my account? 
So I won't get any money until the case is closed. 
They didn't give me case number and they took money from my XXXX XXXX Credit Card account. 
Would you please help me to force somehow XXXX XXXX Credit Card to refund my overpaid amount {$310.00}? If I own them money they charge me late fee {$35.00}, when they own me I should charge them {$35.00} but I can't. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 's account : 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 monetary relief
Consumer complaint received 2018-05-15
Company: Comerica
State: LA
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:
1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
We did a cash out refinance with Caliber Home Loans they still have not paid out {$2800.00} of the cash out and our first payment is due they are in breach of the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I use Chase for my banking right now and saw 2 service charges on my checking account yesterday, XX/XX/22. When I inquired as to why I was suddenly being charged service charges I was told that they had changed my account type. I've had this account for about 12 years now and it has always been that one of the criteria for not being charged a service fee is that I must use my debit card 5 times during the course of the month. I'm not sure what the daily limits used to be but now they're demanding I keep a {$1500.00} minimum!!! That's utterly ridiculous and only serves to screw over people who aren't rich. I was never informed that they wanted to change my account and I sure as XXXX never agreed to it. 

I had a meeting with a banker at a branch earlier today and they refused to do anything about it. They said that they're forcing everybody into this XXXX and if I don't like it I can close my account. 

I've never dealt with such unprofessional nonsense before. Not only do these banks not give us interest on our money anymore but they actually think it's acceptable to take our money for them to have the privilege of using our money to make themselves more money. I DON'T THINK SO!! 

I want my account left as it was. They absolutely don't deserve, and have no right, to take my money simply because they feel like changing account policies on a whim. During the course of this pandemic the rich have gotten richer and the poor have gotten poorer. How dare they pull this XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had told them to kindly supply me with any signature or financial account that ties me with the account and if they couldnt they should cease and desist from reporting the negative report they are reporting to all the credit Bureaus and this is being going on for a year and they havent changed anything I have made numerous calls and written several letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: BARCLAYS BANK DELAWARE
State: GA
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:
My barclays jetblue credit card issues convenience checks on a regular basis. I have never written or used a convenience check associated with my barclays jetblue credit card. 

On XX/XX/2022, there were 2 charges posted to my credit card account for {$10000.00} and {$300.00}. On XX/XX/2022, another charge for {$500.00} was posted. On XX/XX/2022, another charge for {$2000.00} was posted. I rarely use this credit card so I didn't find out about these charges until checking my account sometime in early XXXX. Once I saw these fraudulent charges post, I called jetblue. At the time of this phone call, they removed the charges and reported the charges as fradulent. 

On XX/XX/XXXX, all XXXX of the above charges were reposted to my credit card. I received a letter in the mail from barclays, stating that barclays posted these charges back to my account because after they looked into it, the convenience checks were written to my name and barclays found the charges as valid. 

After receiving this letter, i called barclays on XX/XX/2022 to appeal this decision and they said they were going to reinvestigate these charges. They communicated to me that the investigation could take up to 14 days to be completed. After this phone call, i called to follow up on the investigation on XX/XX/2022 and the investigations department communicated to me that the investigation was still ongoing and they hadn't come to a decision yet. 

I called barclays back today XX/XX/2022 to follow up on the investigation and the representative notified me that the investigation was complete and that the charges were found as valid because the convenience checks associated with my credit card were written to the cardholder 's name. I asked the representative to speak with a manager to speak about this further and he notified me that in order to speak with a manager, the manager would have to call me back and this would happen within 1-5 business days. 

I am writing to the CFPB because there has not been a resolution reached in my direct communication with Barclays. As of right now, the current balance on my credit card is {$13000.00}. There have been late fees and interest charges added on top of the 4 charges listed above. I did not write the convenience checks for the above listed amounts that have been posted to my account. Barclays has not been able to provide me with proof of the checks, where the checks were deposited, and what signature was used to sign the checks. My credit score has dropped and I imagine will continue to drop as barclays reports late payments and accrued fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Had a mortgage modification approximat ely three years  ago with  Wells Fargo,   have been making my payments on time during this period but recently when I called them to discuss a new mortgage they told me the mortgage has never been re affirmed therfore it does n't appear on my fico score or with the credit bureau? And  Wells Fargo s aid they ca n't talk to me about a new mortgage until this mortgage is re confirmed? They suggested I call my bankruptcy attorney and have him, repair this oversight? I have done this but have n't received a reply from my attorney? As I am doing this complaint at the same time I wrote a request to my attorney, how do I get this mortgage w ith Wells Fargo re affirmed so  they will talk 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 2022-07-18
Company: Receivable Recovery Services, LLC
State: AL
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:
I have faxed over a copy of my driver license, social security card, and my utility bill and I still haven't received anything from them. It have been three months. Lord knows I never gave them written instructions to put false stuff on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I I have paid agreed the credit collection agency has not lived up to the promised by  XXXX ,  XXXX  and  XXXX , removing it from my credit report they said they would notify the credit bureaus   XXXX   XXXX   and   XXXX   to have it removed from my credit report they have not done so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
COMPLAINT XXXX Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. ID : Current Name YOUR NAME IS CURRENTLY REPORTING CORRECTLY ON YOUR EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

SEE ATTATCHEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. According to FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: NY
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 XXXX 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 XXXX  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 XXXX 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: CarMax, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
This creditor failed to close my account after the debt had been paid off. It took them 6 months so move the status to closed and it still continues to show negatively on my  credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Receivable Management Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
a medical bill was added to my credit report for my daughter b y Receivable Management .... ive s poken with them several times and was told to send the insurance info for that time of service ... I did so months ago and it still shows on report ... called today and was told that since it was so long ago that im still responsible for the debt ... I infrm that its not my fault that the medical office fail to report the claim and of course the medical office is no longer in business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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:
Multiple times I have requested to have every piece of information investigated and verified on this account ( XXXX XXXXXXXX ). ( XXXX XXXX XXXX XXXXXXXX ) According to the FCRA XXXX the term " investigative consumer report '' means a consumer report or portion thereof in which information of a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he/she is acquainted or who may have knowledge concerning any such items of information. 

I have received responses that the account is verified, but how is that possible if every piece of info on this account is not reported accurately? Clearly, according to the law, a proper investigation has not been completed. According to the FCEA 15 USC 1681, everything has to be 100 % accurate. 

I have attached updated reports ( after being told that everything is verified/accurate ) showing that that is in fact not the case, things are still being reported inaccurately, so clearly a proper investigation was not completed. 

accounts : ( XXXX XXXX ). 
( XXXX XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Submitted an unsecured loan application communicating that I did not own a vehicle and the only offers they actually gave me were ones for secured vehicle collateral loans. 

The entire premise of the loan application was under an unsecured loan basis, I submitted the information that I did not have a car for collateral, and despite making it clear I did not have collateral for this loan only received dozens of offers for collateralized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
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 2022-07-18
Company: ENOVA INTERNATIONAL, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Several different places hit my report with the same stuff buy this is done by XXXX XXXX I know. She always runs my credit for cars and phones

Company response to consumer: Closed with explanation