BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company calls at least twice a day attempting to collect a debt that I do not owe, I have talked to someone at least once a year and th ey tel m e they have my home phone number for someone else other than me, the company continues to call me year after year for the past 8 years. They stop calling fro m one nu mber then call from another number. At this point, no one answers when I pick up and I believe they are robo-calling, it is annoying and I now believe this company should compensate me for the years of repetitive calls for a debt that is not owed by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Someone stole money from accounts at both   XXXX    XXXX   XXXX  an d Wells Fargo Wac hovia Bank. I want to know how to qualify to get money back, There have been  XXXX  Civil Suits about both banks. There are several mistakes about the banks statements  XXXX  about wells fargo is they charge me several nsf fees after they stole the money if you look at the statement they stole the  XXXX  then charge me  XXXX  of bank charges .then they stole from   XXXX   XXXX   XXXX   on  XX/XX/2011    and when i went to bank and got money on  XX/XX/2011    that is not on there the the have the balance incorrect on  XXXX  balance is  XXXX  then on  XX/XX/2011    balance is  XXXX  which is incorrect they have it backwards. There was just a class action law suit file on wells fargo and i should have been  XXXX  of the people to qualify top get money back. why dont people look in the data base to see how many people have had claims file against these banks to stop this from happening there is someone who also got credit cards in my name and a house mortgage on my credit report.

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 2017-04-18
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had water damage to my home. My insurance company wrote a  two pa rty check made out to the lender and myself. The lender deposited the funds into their account and wo n't release them to me. After months of meeting their demands for proof the damage was completely repaired and the contractors paid in full, the lender still has my money and is not releasing the funds.   The loan is current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: DISCOVER BANK
State: OR
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:
I was charged a balance transfer to my Discover account on XX/XX/XXXX, for the amount of {$4900.00} - this is a fraudulent claim, and I never made this balance transfer. Ive called Discover every day since seeing the charge, and Ive received different information from each agent, with little help or reassurance from anyone. My credit is spectacular, and Ive been a customer since XXXX. Discover said someone possibly got ahold of one of the checks they mail out automatically, which I never have requested. I need help getting this resolved, and getting my money back.i did not make this balance transfer, or initiate it. I have no idea who or how this would have happened. It is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/21 I sent a copy of my FTC report because I have been a victim of identity theft. My information got in the wrong hands being that my data was compromised in the XXXX XXXX XXXX. I feel like I'm being taken advantage of because my disputes are being ignored and the fraudulent accounts and inquires are still being reported on my credit report. This is ruining my changes with getting approved for a XXXX loan. The law states that fraudulent information should be blocked within 4 days of the dispute and it still shows. It has been about 60 days and Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX  you have caused from blatantly violating my consumer rights. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2022-05-01
Company: Credit Collections U.S.A., L.L.C.
State: WV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, a request was sent to obtain validation of debt. No response. Amounts {$110.00}, {$33.00}, {$5.00}, {$40.00}, {$40.00}, {$69.00}, {$40.00}, {$29.00}, {$2.00}, {$40.00}, {$9.00}, {$29.00}, {$40.00}, {$11.00}, {$110.00}, {$33.00}, {$2.00}, {$2.00}, {$11.00}, {$4.00}, {$5.00}, {$40.00}, {$40.00}, {$84.00}, {$5.00}, {$10.00}

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 explanation
Consumer complaint received 2017-04-25
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and then I submitted a complaint to the CFPB on XXXX/XXXXXXXX. I called and gave them my authorization on XX/XX/XXXX and they said they didn't receive my CFPB complaint. I feel like I'm being taken advantage of because it has been well over 90 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 120 days days, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the XXXX Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.

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 2017-04-19
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On  XXXX   XXXX ,  XXXX , I opened a Mastercard  XXXX   XXXX  account. The holding bank was : BARCLAYS BANK  XXXX   XXXX   XXXX , DE --  XXXX  I closed the account in late  XXXX . I had n't received the card, and was n't using it. The representative I called agreed that my account would be closed. I paid off the final fee. A year later, I was sent a bill for my new annual fee, even though I had asked to cancel the card. On  XXXX   XXXX ,  XXXX , I again called the service center associated with the card. I was told the fee would be waived and my card would be canceled. Instead, Mastercard kept on billing me, loading my credit report with a late payment. I 'm told I now owe {$130.00}, and I was denied today in applying for a new credit card because of the impact on my credit report. I would like the {$130.00} to be waived, and the association with Mastercard and Barclays erased from my credit report. Best regards,  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 monetary relief
Consumer complaint received 2017-04-17
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid and the collection agency should have never reported it to the credit bureau. This debt originally came from  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank  of America has encouraged users to sign up for notifications when their account balances get below a certain amount. I have set up these aler ts. On the morning of  X/XX/2017   , I received an alert that my balance was at or below {$4.00}. Since I was on my way in to work, I decided I 'd swing by the bank and deposit cash on the way home. Later that day, I was at my desk working and received another notification that my balance was overdrawn on  X/XX/2017   , which means  1  ) B of A did not send any notification of a low balance prior to  XXXX  and  2  ) sent me a misleading notification on the morning of  XXXX  about the status of my account so they could charge me  XXXX  overdraft fees that would have been avoided if they 'd sent me the notifications when the actual events occurred as opposed to after the fact and out of order. When I called B of A to file a complaint, the customer service reps basically told me I ca n't rely on the technology they encouraged me to rely on and that I just have to check my account balances every day. They also seemed to feel that receiving a notification in the morning that you have a low, but positive, balance on  XXXX  then being followed by a notice eight hours later that you have a negative balance as of  XXXX  makes all the sense in the world. They also have returned to the practice of paying out larger payments that come in later before smaller payments that come in first causing excess overdraft fees, which they were successfully sued for several years ago.

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 2021-12-15
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with XXXX XXXX. I've disputed this with all 3 credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact XXXX XXXX myself. So I did, and told them they need to stop reporting this erroneous account on all 3 credit reports. They ( XXXX XXXX ) have failed to respond to my request and the erroneous accounts are still showing up on all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: JPMORGAN CHASE & CO.
State: FL
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:
On my XX/XX/2020 credit card statement, I discovered a DUPLICATE billing from XXXX in the amount of {$140.00}. I, at that, time advised the bank via your on-line procedure that I was disputing this because it was duplicate billing and that only one charge was correct. Shortly after doing that I received a call from XXXX telling me you rejected their charge and they were locked out of my Chase account. When I informed them that I only rejected the fact that they billed me twice they adamantly disputed that fact and said they only billed me once. When I told them there were two charges on my credit card, they indicted that was a Chase error and not theirs. 
Regardless of whose error it was there was a duplicate charge on my credit card. XXXX was going to turn off my service unless I paid them the full mount of the bill and a {$40.00} service charge for a rejected payment by Chase. In order to protect my company 's email service, I immediately authorized them to bill my XXXX XXXX since they could not bill it to Chase again. 
Now comes the problem that is not resolved. I was given a credit by chase for the {$140.00} for the double billing but can not get the second charge refunded to me as it seems someone changed the code in the middle of the process and now feels I owed Chase that money as I only proved I paid the one charge on XXXX XXXX  and the second charge is still valid. 
Chase now refuses to even address the issue because they say it is beyond their time frame for a dispute resolution, even though this has been going on since about 1 week after the two charges were made to my credit card and then not paid to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. 

Numerous unauthorized hard inquiries are also showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Caliber Home Loans, Inc.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of  XX/XX/2016    my ( {$38000.00 } ) 20 yr.  mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20  yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from  XXXX   XXXX  and then it was sold to  Caliber Home  Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Hello, Writing a synopsis to request CFPB step in and protect a consumer from wrong doing by Citibank. I opened 3 new accounts at Citibank as a new customer. There was a 1Q 2021 Citi Personal Wealth Management Promotion of {$500.00} that I qualified for as a new customer. I have confirmed with Citibank that I met all the requirements and also confirmed on my own research and documentation provided at the time of the account opening that I met the criteria. In no less than 8 times calling Citibank to resolve this issue, I have received multiple misrepresentations of what the issue is and have opened cases ( XXXX and another one still open ) to have " back office '' people try to resolve. I have response letters mailed to me that provide a generic denial with no meaningful support of why it can not be resolved per the advertised promotion. 
Best Regards, 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 2017-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank withdrew money form my account without any notice, for an account that I had over 6 years ago, that I had closed in satisfactory status. when I closed my account, the teller did not inform me that the account would actually stay open for 6 days an the bank processed transactions that I was trying to stop which caused an overdraft, then made the account negative and when I attempted to close it again, they refused saying they will not close an account with a negative balance. but had they closed it when I originally requested, there would not be any overdraft or negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: NY
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:
fraudulent and unauthorized inquiries on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: HYUNDAI CAPITAL AMERICA
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I returned a car to XXXX XXXX XXXX in XXXX XX/XX/XXXX. They never grounded the vehicle and the vehicle sat at their facility until XX/XX/XXXX. I filed credit disputes and Hyundai continued to deny the dispute and ding my credit as if I had this vehicle. Ive lost XXXX point on my credit due to this and can not get any credit. 
The car was finally reported as returned ( by the dealership ) but they said it was an abandoned vehicle and DID NOT give the tow company the keys. The tow company came after me to pay the bill and this is the very first time I realized the dealership dropped the ball and I also realized why Hyundai was saying they never had the car. Hyundai finally got the car and sold the lease in XX/XX/XXXX. In XX/XX/XXXX the dealership finally admitted that I returned that car a year ago. By this time I have gone almost a whole year being negatively affected by this incorrect information that Hyundai is reporting on my credit. I have called Hyundai countless times and everytime I call to get this off of my credit as missed/late payments, I get the run around and nothing gets fixed. I have gotten put in the middle of this fiasco and neither company wants to do the right thing and rectify the situation. I need immediate 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