BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am having a problem getting anyone to talk to me, I have tried their live chat, XXXX and phone ... ..I sit on the phone forever, then it hangs up on me. No option to give my phone number for a call back. 

I have had automatic payments for years but just tried to change accounts it pulls from and something went wrong. It didnt pull from the new account and I wasnt notified until after the late payment was assessed. Once I got notified, I paid the payment immediately and deleted the new account and re-set it up because I couldnt figure out what was incorrect about it, I still havent been notified that the account was incorrectly set up, so I dont know that was even the issue ... ..again, no one 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 monetary relief
Consumer complaint received 2017-07-25
Company: Selip & Stylianou, LLP
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Selip and Stylianou LLP filed a lawsuit against me, claiming they were doing so on behalf of XXXX XXXX. However, the following raises some issues with them suing me : 1. XXXX XXXX said that they charged off the debt and are no longer involved with it ( see attached letter from XXXX XXXX ). How can Selip and Stylianou LLP sue on their behalf if they are not involved with the alleged debt anymore? 2. Selip and Stylianou LLP filed a lawsuit with the Superior Court of XXXX County without ever attempting to contact me about the alleged issues they are suing me for. How can they file a lawsuit on someone without once attempting to contact the person to resolve the matter? 3. Selip and Stylianou LLP continue to send me papers DEMANDING answers to use in court regarding the issue but have not sent me any verification that I have asked from them as well. They have no returned any responses to letters I have written them, phone calls, or voice messages.

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 2017-07-25
Company: POPULAR BANK
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Completed online application on XX/XX/17 for a checking account at XXXX XXXX XXXX. The nearest branch is over 30 miles away therefor I opted for the online application which I was eligible for since I am a NJ resident. After submitting all the detailed information, I received a message that I must apply in the branch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$500.00}, {$340.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$340.00} -This is not my account.

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 2022-05-04
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Wednesday XX/XX/2020, I used the IRS wheres my payment app to find out when I should expect my stimulus payment deposit to hit my checking account and at the time it showed me the payment was to hit my account that day. I then check my Chase bank app to see if it had, to which I saw nothing. So I want back to the IRS website and looked at the last 4 of the account that it was to be deposited in, the last 4 digits displayed were ( XXXX ), which I realized wasnt mine at ( XXXX ). 

I then called Chase Bank, and waited on hold for nearly 2 hours by I spoke with someone there, they told me I  needed to file a claim, I did that. They told me it would be rerouted into my account in 1 to 2 business which would have been that Friday. It never came, so I called back to find out the status. I was hung up on and given the run around many times. I called my local Chase branch, they took down my information and said theyd call me back that day or Saturday morning never happend. 

I then waiting till that following Monday, to which I waited hours to speak with someone again and they hung up on me. I called back and finally got thru to the claims department, they told me to expect a reroute that night, and still I got nothing. I called to day and was informed theres nothing that chase can do because the deposit was in that persons name and they spent the money and that I needed to take the matter up with the IRS, which is closed due to corona. So Ive received no help. 

I took a picture as proof of the irs website showing the deposit date which the account number my payment was sent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: U.S. BANCORP
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I went on a Covid forbearance with us bank home mortage on XX/XX/XXXX thru XX/XX/XXXX. I attempted several times unsuccessfully to refinance the original amount of {$9800.00} in XXXX of XXXX through the loss mitigation department at us bank home mortage. Since then I have been yelled at, hung up on, lied to and disrespected by the young female employees of the loss mitigation department at us bank home department when I tried several times to make the payment arrangements that I told would be no problem to do my refinancing for my Covid forbearance mortage loan amount. I have also been harassed abs threatened by this mortage company who their workers falsely told me while worrying from their personal homes for us bank home mortgage that I would be in jeopardy of losing my home if I dont pay off the full amount that I owe for the Covid Forbearance period. They treated as well as not a good customer of XXXX + plus years with my current home mortgage loan with us bank but falsely accursed me of just refusing to pay on my home loan workout accurately acknowledgement that my loan was under an approved worldwide Covid pandemic forbearance!

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 2021-07-23
Company: SYNCHRONY FINANCIAL
State: NC
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:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Based on the Citi New checking account target promo details, deposit {$15000.00} and maintain 60 days will receive {$500.00} bonus in 60 days. I have completed the deposit on XX/XX/2019 and and maintained at least 70 days. So far still do not receive the bonus from Citi.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2021-07-23
Company: Regional Management Corporation
State: NC
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:
I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed with XXXX XXXX, Equifax and XXXX about this account several times. I have a collection reporting on my account as an open account, which is incorrect, the account was paid off as a pay for a delete account. XXXX deleted this account on XX/XX/2020 and Equifax and XXXX refuse to investigate the accuracy of the account. XXXX sent me a letter after several attempts to get this item removed, stating they applaud my efforts in trying to fix my credit, but have yet to do a proper investigation. This collection appearing on my credit profile is hindering me from securing funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I would first like to note that this complaint is being done on behalf of myself, the consumer, and not a third party repair company. 

The credit reporting agencies continue to verify information on my credit report without consent. They have reported back that the account has been verified numerous times without providing the method of verification or providing an investigative consumer report. This leads me to believe these agencies are only pushing my documents through an E-Oscar machine and not taking reasonable procedures and verifying them accurately as they should pursuant to 15 USC 1681 ( b ) These agencies continue to furnish this specific extension of credit which is a direct violation of 15 USC 1681 ( a ) ( 2 ) ( B ). I the consumer also never gave written instruction to any of these agencies to furnish this alleged debt, and until these agencies can provide a certified document showing written authorization from I the consumer, each agency is in violation of 15 USC 1681 ( b ) ( a ) ( 2 ) and will be held liable for all violations committed against the I, the natural person. 

I have demanded a method of verification via certified mail w/ return receipt as of XX/XX/2022. 2 out of 3 of agencies have received the document and another is in transit as of XX/XX/2022 via U.S Postal Service. The continuation of furnishing this negative information without the method of verification or certified written consent from I the consumer, constitutes aggravated identity theft by each agency pursuant to 18 USC 1028A. I have CC 'd the Consumer Financial Protection Bureau and the Federal Trade Commission in each document to ensure each company takes proper procedures in doing their due diligence and to maintain fair and accurate reporting. 

The continuation of furnishing inaccurate information has withheld me from obtaining credit for my personal, family and household needs. I have worked tremendously hard to maintain a high credit score, and these agencies continue to ruin my reputation by reporting this inaccurate information.

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 2022-05-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have some late payments that I was advised that I could get removed from my Credit Bureau by one representative. They sent a letter stating that they will not do it. this comes after the person told me that I was able to have the late payment marks removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX  IL XXXX Bankruptcy XXXX XXXX Reference # XXXX XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXXXXXX XXXX XXXX XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL 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 2017-07-25
Company: Ditech Financial LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Several years ago I was called and offered a personal loan on the telephone for XXXX from a company named GreenTree Servicing. I was told explicitly that it was a personal line of credit, a personal loan. I accepted and received normal bills and made payments. Aproximatly, one year later The bill started referring to the terms as a mortgage as though this was a second mortgage on my home! I had never taken out a second mortgage on my home with this company, especially at 13 % interest. They also failed to give me the rate that they promised which was about half. I contacted this company numerous times to no avail and to avoid bad credit I still paid the bill. Then they started misallocatibg the payments to only pay the interest on this personal loan which they now referred to as a Mortgage. Again, after so many calls a consumer can only take but so much. Subsequently, they then transferred my personal loan/ their supposed mortgage to Ditech who I still receive bills from and pay. At the same time, this said to be personal loan from GreenTree/Ditech which somehow attached itself to my mortgage then started coming with not only my name but my girlfriend 's name who is co-owner of the home. She had never been involved in this personal loan transaction. In fact, this entire transaction took place over the phone with no documents included to sign, all verbal. But again, she never had anything to do with this and I never agreed to the terms that they are referring to. My home had nothing to do with this loan. Without hiring an attorney how can I get this resolved as they are also now unwilling to modify or relook these terms and are now destroying my credit as well. This is blatant fraud and I feel extremely victimized. Thank you in advance for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported that the information concerning reporting by XXXX ACCOUNTS on my experian report is incorrect and not a valid debt. XXXX and XXXX have corrected it but Experian continues to use an automated method to verify, instead of conduction a proper verification method with this abusive collection agency.

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 2019-11-21
Company: EQUIFAX, 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:
THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/XXXX I looked at my unemployment account to check the balance. At XXXX on XX/XX/XXXX there was {$200.00}. Now on the same day at XXXX I looked again and noticed that XXXX dollars was taken and there was a XXXX ATM inquiry ). So I emmidly contacted Bank of America where the account is and reported fraud. The lady I spoke to said that they will send out a new card and that the one I got will not work. So i ask if there was anyway that I can get it ASAP, she informed me that there's a 7-10 day period. Well this is my only income source so she said that she can expidt it to 3-5 business days. Well the new card got here about seven days after the conversation I had with the customer service representative. So I went to activate the card and now I find out that my account has a freeze on it/closed. I was not informed of any of this activity. So now this is the problem I'm having, I have been back and forth with the unemployment office and Bank of America for one month now and I have gotten NO NOTHING as of answers to why I'm being punished for the act of a hacker that stoled money out of my account. That I can not see any of my statements, I can't even get on the account. Like I said " THIS IS MY ONLY SOURCE OF INCOME '' and now it's been a month and I'm down to eating roughly every two days one meal. And my dog may have to be sent to the pound cuz they are holding my money for I NO REASON AT ALL. I'm sorry but where I come from, that is so unfair that I breakdown every night now cuz it is so overwhelming that I'm at a lose of direction .... Please if there is anything at all that you can do, I will be so grateful My contact info is ; XXXX XXXX XXXX XXXX XXXX XXXX. 24hrs a day Email ; XXXX,,,, and I think you for your time

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