BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I wired  XXXX  {$100000.00} transfers to an individuals bank account at the HSBC branch in  XXXX   ,  NY  .  The   XXXX    XXXX   XXXX  suspected fraud so they recalled the wires. They were put in the hands of the  Fraud  Department at HSBC bank. This took place on  XXXX   XXXX ,  2016 . I have called numerous times to have the funds returned and have no success.  The Fraud Investigator i s  XXXX   XXXX  who I have called many times. I am only able to get his voice mail. It is urgent that I be re-imbursed.I need the funds to pay the real estate loans I secured to send this money.  XXXX   XXXX  's phone number is  XXXX   XXXX .   The bank info.is as follows, HSBC Bank us Nat.Assn.  XXXX   XXXX   XXXX , and  XXXX ,  XXXX , NY  XXXX  US, tel. #  XXXX .   Please intercede for me. I have done all I can to retrieve my money to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: NRA Group, LLC
State: FL
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:
On XX/XX/XXXX of this year, I contacted XXXX  concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. 

National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/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 2017-06-08
Company: WELLS FARGO & COMPANY
State: TX
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:
On my  Wells Fargo Visa card. I was charged a Minimum Interest Charge of {$1.00} on a balance of {$4.00}. That is an annual interest rate of over 250 %! This far exceeds the quoted interest rate on the card of 21.90 %. I believe that the company has made a false statement since their Interest Charge Calculation on the very same bill makes no mention of minimum interest charges. Please help stop this deceptive and unfair practice. There is no reason why a card should be permitted to have a minimum interest 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 2017-04-25
Company: SYNCHRONY FINANCIAL
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I made a payment that payed off my synchron y Walmart a ccount. Then 8 days later an auto debit payment pulled more money out of my account resulting in my account being credited. So the n Walmart issued me a check f or  XXXX  dollars and I brought the check into  Walmart  to cash it and they charged me  XXXX  dollars to cash it. They charged me  XXXX  dollars to cash their own check. What an unfair way to make 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 explanation
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My loan balance does not seem to be going down at all and I 've been paying in it for almost 10 years now. The interest is ridiculous. I 'm a single mom, work full-time, did n't finish school, my fault because I got pregnant and ran into hard times. But I still do n't think I should be struggling to pay off this loan. They are making money off of me, that 's for sure. I understand everyone and businesses need to make money, but this is a little out of hand and ridiculous. It would be nice if they would wipe away my loan debt and use it as a charity write off .... please!     Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Keep receiving letters from them saying I owe a loan from Citibank which wad paid in full in   XXXX   loan for school. I called  Citibank  and was told I owe them nothing. Their student loans were sold to another company which I called as well.     W hen you call Credit Control, there 's several numbers, no one answers, just voicemail. They buy debt that is closed, ghost debt and expect consumers to j ust pay with no proof until asked, that is, if they can provide.

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 2023-07-24
Company: EQUIFAX, INC.
State: IN
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 2022-09-15
Company: EQUIFAX, INC.
State: AZ
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the account as it is fraudulent & was opened without my consent or knowledge. 

XXXX XXXX XXXXXXXX XXXX Balance {$0.00} Date Opened XX/XX/2013 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
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've made purchases on my chase freedom, while having a balance ; as such, I've been charged interest. However, the interest I have been charged far exceeds the amount I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions 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:
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.

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 2021-11-21
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I receive citi bank promotion on XX/XX/2021, they said if I opening a interest check account before XX/XX/2021 and deposit {$50000.00} within 30 days after opening the account, and maintain 60 days, I can receive {$700.00} bonus. 

So I opening a interest checking account on XXXX and deposit over {$50000.00} on XX/XX/2021, maintain the amount until today XXXX, 2021, they do not give me the {$700.00} bonus. 

On XX/XX/XXXX, XXXX chat with one of citi agent and ask when I can get the bonus, he checked and said I should get the {$700.00} no late than XX/XX/2021. 

So I wait until today there is no bonus deposit to my account, I chat with another agent today, she checked and told me I should call citi one stop sales unit phone number XXXX. 

After I call them, one lady she checked and told me I am not qualified for the {$700.00} bonus because I didn't make fund deposit with 30 days. 
The fact is I did what they required, and other agent already told me to wait until XX/XX/2021 to receive the bonus, now she just simply told me I am not qualified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I started asking for reinvestigation on accounts in XX/XX/XXXX. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity Theft Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they couldn't verify my identity and asked for the same identification that was sent and the next day I received a letter and email telling me that they verified the accounts. So you verified the accounts after you stated you couldn't verify me, The Consumer, natural breathing person, and Original Creditor? That alone makes no sense.

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: JPMORGAN CHASE & CO.
State: IN
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:
In  XXXX   XXXX  an agreed rate was established for nightly hotel rate with  XXXX   XXXX   XXXX ,  XXXX  Texas. The rate was {$88.00} per night plus taxes through the end of the year. The charges were all made correctly until the last week in   XXXX   XXXX  , checkout on   XXXX  . I checked in and immediately noted the rate was wrong and indicated as such on the checkin document signed. I was told by the hotel during my stay and upon checkout that the rate would be corrected. The rate was never corrected and the accounting/front desk manager  XXXX  never responded to me during the stay or subsequently. I filed a dispute with Chase and  XXXX   XXXX  sent the document showing that I clearly noted the correct rate and a document showing the incorrect charges. I am attaching numerous weeks prior showing the correct rate and the documents that were sent to Chase by  XXXX   XXXX .  Chase  merely ignored the documents sent to them by  XXXX   XXXX  showing that the rate was clearly wrong and that  XXXX  would resolve. At the end of the day, Chase did nothing about the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: GOLD KEY CREDIT, INC.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am a XXXX veteran who contracted XXXX while in Florida. VA card was presented at time of XXXX visit. This bill should have been sent to the Veterans Administration for payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
GFPB WRITTEnUPo : You In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the The right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have asked my mortgage company ( Pennymac ) to defer 6 payments after the end of my forberance plan, but its taking them too long to make a decision and Im receiving calls from them in which they are harassing me to make the missed payments or they will send negative reporting to the credit bureaus as well as foreclosing my house. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I borrowed these loans while I attended my University back in XX/XX/XXXX-XX/XX/XXXX. I had an original balance of about XXXX after graduating. But somehow through so rough patches in life and work, somehow the student loans have gone up to XXXX. I have been making current payments for almost over a year now and it seems to not be decreasing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX and I have a checking account with Citi bank they have a freeze on my account and will not let me access my funds because they said there is suspicious activity. They said they can't verify my phone number and it isn't under my name. I have given them XXXX phone number that is mine and only in my name and another which I have used for more than 10 years which is under my sister 's. She called and had my number caller id to show my name with her provider. They also said they would send me a letter via the USPS to verify my identity I would receive it in XXXX business days. That was on XX/XX/2021. I called last week as I had not received the letter they stated they mailed out another letter. I called today XX/XX/XXXX and was told that the letter was not sent to the address I opened my account with but to the address provided to them by the company that they use to verify identies. I have offered to send them a copy of my driver 's license, social Security card, birth certificate, voter registration card, they can call social security where my deposit comes from. They can call the wireless provider where I have my phone account through as well as call another bank that I have a checking account through. They said the only way they can verify my account is to wait for the letter in the USPS which is not coming to my current address. I have lost my storage as well as not being able to get my XXXX medicine due to this. I don't know where to go from here.

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: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.

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