BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: SC
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:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like i normally do yearly and noticed these inquiries for accounts i never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identitification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: CITIBANK, N.A.
State: WY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XX/XX/2021 Macys American Express Cr Card number : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, WY XXXX ( XXXX ) XXXX I called Macys American Express twice to dispute a charge that is on my account. I cant do it online because the system does not allow me to put the dispute through. I called Macys American Express and customer service completed my dispute on the XXXX of XXXX. A few days later I looked at my account and noticed that the dispute is not recorded. I called Macys American Express again and they told me that they recorded the dispute on the XXXX. I looked at my account to find that the dispute is not recorded. 
I am reporting Macys American Express for not honoring my wishes. XXXX XXXX XXXX overcharged me by {$3000.00} in total. I want to recover the whole amount and part of this was paid with Macys American Express. 
When I called Macys American Express, I found out that Citibank owns them. Citibank is a fraud and should not be allowed to operate! 
I am demanding to have my dispute honored and my funds returned to me. I decide over my money and not Macys American Express/Citibank 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 explanation
Consumer complaint received 2021-05-29
Company: Medical Data Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I HAD MEDICALIL INSURANCE THEY NEVER BILLED THAT I HAD XXXX XXXX XXXX XXXX, I HAD XXXX AS XXXX, I XXXX, THIS IS A BILL FOR! XXXX $ I GAVE MY INSURANCE INFORMATION I HAVE 2 BILLS WITH THIS COMPANY AND I GAVE MY INSURANCE INFORMATION AND THIS BILL IS STOPPING ME FROM RENTING A APARTMENT I AM 23 YEARS WITH MEDICAL DEBT

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 2017-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I paid this account in full but when I checked my credit report it is still showing that my balance is {$1000.00} and that it has n't been updated since XXXX XXXX, 2016. I have received my title for the vehicle which further indicates that the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Alpine Credit, Inc
State: UT
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:
Alpine Credit {$180.00} PAID YEARS AGO THRU  XXXX .       XXXX   XXXX   {$310.00} PAID YEARS AGO THRU  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: JPMORGAN CHASE & CO.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Chase Card Services XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Chase debit card charge Acct # XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX GA Date : XX/XX/2021 Amount : {$100.00} & {$470.00} [ Total charge : {$580.00} ] Reason for reversing charges : Order was placed on XX/XX/2021 & the merchandise was never delivered. 
The Shipping company was contacted, and still there was no delivery made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: MoneyLion 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 XXXX second I was alerted that a new account appeared on my credit report for moneylion for the amount of XXXX which I did not open or requested I spoke with moneylion on XX/XX/XXXXbecause I had already dealt with this in the past when I noticed a hard inquiry being made supposedly they found the account closed it and flagged it in XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Phoenix Financial Services LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Phoenix Financial Services attempted to contact my employer after being told not to in writing via certified mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I missed a payment, it was over looked on my part. I have attached a goodwill letter and my bankstatement showing funds were avaivale to make the payment just due traveling for work I over loooked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
hello, i know that there has been a misunderstanding, about my money.at first I did n't think this would happen to me -- and I have become a victim until this very day.i have not received anything back and the proposal that was made too me to get wire transfers-delivered ; is all a hoax.not a matter of business.i have put in a complaint before, but nothing was done or said about it.the company or party grant solutions, took money from me and never followed through with reimbursing me any payment's.the amount is very plain too see that somrthing is wrong with them. ( XXXX ). 
''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Shell Point / New Rez, continually harasses me to refinance my existing loan. 

They are offering Predatory Lending scenarios that simply have no Tangible Net Benefit for my financial welfare. I have asked them to end my MI and have been given the runaround. The last straw is the letter I just received showing a schedule of my MI continuing into XXXX, and trying to scare me into a new loan. I have in my Closing Documents a Scheduled payment report showing clearly that my last MI payment will be XXXX of XXXX. 

This is very troubling as they must be doing this to many other unsuspecting borrowers. 
Offering a teaser rate and then, in the end, the APR is higher than your existing rate is simply Predatory and false leading. Misleading consumers about MI insurance and using this to get people to refinance with them must be stopped, Thank you : XXXX XXXX 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 2017-04-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bayview Loan Servicing is applying an additional fee that states " Recoverable Corporate Advances '' to my Mortgage payment before the grace periods has expired. I was never advised of this information and why is there an additional fee applied to the payment that is received on or before the grace periods has expired. I was advised during the modification of my loan that my payment needed to be received on or before the XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Set up a online money transfer with western union to be sent to an account in XXXX. Western union had my authorization to take money out of my checking account electronically which they did right away. However, the account number at the receiving bank in XXXX was incorrect due to which the bank in XXXX declined to accept the money. I received an email right back from western union on XXXX XXXX 2015 that the money would be refunded to my checking account due to the aforementioned reason. Its XXXX XXXX 2015 and the money has still not been returned to my account. My bank in the XXXX has been notified about this issue. I have called up western union 4 times. Each time there was a different response. XXXX representative even told me that the bank in XXXX is delaying the transfer. I do not understand how this is possible if the receiving bank declined to accept the money transfer. I feel it is pretty irresponsible on their part to dis regard my enquiries and also not return my money. The transaction is tracked with western union by the XXXX number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-28
Company: Lending Club Corp
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: Their investigation did not fix an error on your report

Complaint:
I have been a victim of identity theft / fraud. Someone has used my name, my addresses, my Social Security number, my date of birth and my employers name to open accounts in my name. They have had access to my XXXX XXXX account as well I have discovered, and I think that this is partly how they accessed my information as well as through my Health Insurance coverage claims. 

I have disputed and disputed these 3 accounts with both XXXX  and the companies directly over and over and they still have not removed them from my XXXX  credit report. 

1. XXXX / XXXX XXXX  2. XXXX  / XXXX  3. Lending Club Corp THESE ARE NOT MY ACCOUNTS I have been told by XXXX  for both of those accounts to contact XXXX XXXX because they now own both of those accounts, I did so, and XXXX XXXX found me not responsible for these accounts and sent me letters stating this, which I have attached here. Yet, XXXX continues to report these to XXXX. I have sent all of this documentation to XXXX and to XXXX multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: GREAT LAKES
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently pulled a copy of my credit report to find an account listed as charged off and name spelled incorrectly. I attempted to dispute this debt with the credit bureaus to no unveil, resulting in filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: LA
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/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) reporting inquiries without my authorization or permissible purpose and others. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: America’s Financial Choice, Inc.
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Lender tried to garnish the full original amount of the loan and interest ( {$1000.00} ), not the amount that they even state was owed ( {$660.00} ). They also tried to send a wage assignment to my current employer, not the old employer that they had a " Wage Assignment '' for. When I got the loan they produced a wage assignment for my then employer XXXX XXXX, but when they filed the wage assignment they sent it to my current employer " XXXX XXXX ''. See attached Wage Assignment. They also tried to send the Wage Assignment even after I had sent a " Notice of Revocation of Wage Assignment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Good day, I have a credit card account with Discover. They terminated my account citing that I was not in good standing and had poor credit history. This terminated our agreements and accounts. 
They continue to pull monthly and daily inquiries into my account for their " Identity theft and protection service '' that is offered only to Discover card members in good standing. 
I've requested via phone call and " Chat Support '' several times to have this stopped and was given a run around saying they don't control that. That they do not offer that service. That they are not performing that service. I could keep going on the excuses. I still get daily emails and see on my report inquiries from Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
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/2021 I went to a local restaurant and bought my kids food At XXXX XXXX  and I must of dropped my debit card accidentally and noticed 25 minutes later it was completely gone I went on my banks app on my XXXX and turned the card off w the controls on the app about an hour and a half later Out of an abundance of caution I checked my account I noticed three charges {$8.00}, XXXX XXXX XXXX at approx XXXX XXXX  and XXXX  at approx XXXX XXXX  I called my banks XXXX number and spoke to a gentleman who indicates the computers werent working properly that day and therefore did not actually shut my card off and he promptly shut it down I then went to the XXXX  store where last used and called police and filed a police report I was assured once posted I would get a provisional credit when that did not happen in a few days I called the local branch and spoke to a XXXX  XXXX  who is of XXXX XXXX decent and explained the situation. I waited several days later and called the XXXX number as why my money was not returned. I was informed that there was an investigation and they determined they said the cars was in my position they said at the time of the incident ( not true ) i then called my local branch and spoke to mr XXXX and determines he totally mixed up my story and apparently led this bank to believe the card was in My position and it was not So I decided to go to police station Tuesday MY XXXX and get the police report and info was limited because this is now an ongoing investigation by XXXX XXXX police and they put the fraudster who took my card and distributes his picture throughout police in Minnesota I then went across street to BMO and showed them the police report and she sent it on to someone at corporate I have never got a provisional credit I shut my card down immediately and there computers were not working that day as they even had a recording when you call the XXXX number The police have pictures and video of the suspect using my card to buy tv and camera and dog food This is an injustice I want to be reimbursed immediately BMO Harris has a copy of police report Its not available as I write this to attach 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