BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-14
Company: Lending Club Corp
State: KS
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:
There is a clear billing error here. This account was on auto draft since I first opened it with the same bank account. Somehow their system made an error and they refuse to correct the billing error. The 2 loans that I had out with them somehow went 30, 60 and 90 days In XXXX, XXXX and XXXX of 2020. Theres 2 big issues I have with this. 1 I was never ever contacted by them for any late payments nor was I given an option to rectify the late payments before they through it on my credit report. Where was the grace period notice in this billing error? That is a clear violation because the error was completely on their end and not mine. Two how were they able to report these false late payments in the middle of Covid-19? Does the cares act not take into effect here at all? These payments should not be reporting late on my account due to billing errors but The Lending club refuses to remove these payments further violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a bill from the XXXX XXXX visit. At the time of the visit, I was XXXX   and receiving XXXX and XXXX for insurance. Additionally, I was going through fleeing from XXXX XXXX. So, I was residing in a confidential shelter. I qualified for XXXX XXXX offered, as well as other XXXX options. I told the personnel about my situation and was given assurance no bill was issued based on information as stated above. As of to date, I am on XXXX and have been since I moved to California XX/XX/XXXX. I was not aware of any bills until I recently received my credit report. I was surprised to see a balance from XXXX XXXX. I can assure you I was definitely receiving XXXX and XXXX. So, I am perplexed as to why I have an outstanding balance on my credit bureau. 

MESSAGE FROM BUSINESS : Dear Ms. XXXX, This letter is in response to an inquiry received at XXXX XXXX XXXX from the XXXX XXXX XXXX  on XX/XX/XXXX. The inquiry referenced your complaint regarding your XXXX XXXX ( XXXX  ) visit on XX/XX/XXXX. Your concern is that the charges for this visit appear on your credit report, and that you were XXXX eligible at the time of service, Treviewed this visit and located the eligibility inquiry our registrar submitted on the XXXX website. Based upon the SS # and birth date provided at registration, it was determined you were not XXXX  eligible on XX/XX/XXXX. ( Please see the attached copy for your reference ). Therefore, this encounter was considered a " cash '' account because there was no insurance to bill. XXXX-XXXX  eligibility was checked again in XX/XX/XXXX, and again was returned as not eligible. Please note the State of  California only allows one year from the date of service to check for eligibility, so currently we are unable to check for XX/XX/XXXX. 

Treviewed the physician 's dictation from this visit which mentions " patient is residing in her XXXX ''. Because of this statement in the ED dictation, I will consider this to qualify for our financial assistance program. Therefore, I have contacted the collection agency, CMRE Financial Services, to cancel collection efforts and have this balance removed from the credit bureaus. A letter from CMRE is forthcoming to confirm this information and will be mailed to the address listed above. You can contact CMRE directly at ( XXXX ) XXXX if a letter is not received within 2 weeks. 

Please note we consider this account to be resolved. 

Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Forthright Funding Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of refinancing a current XXXX XXXX home mortgage with a company called Forthright Funding ( mortgage broker ). They are located in XXXX. I live in XXXX XXXX. I am refinancing to eliminate the PMI. Forthright had the most favorable terms. I sat with a notary signing the papers and the fees had increased by almost {$1600.00}. I contacted Forthright and the told me {$600.00} was extension fees by XXXX ( lender ) This was never disclosed to me. In addition the employee of Forthright did not disclose a {$900.00} fee for underwriting. The employee admitted he failed to include in my estimate. I spoke the the President of Forthright and over several calls he told me he was sorry but they were not going to do anything. He stated he had discussed with his attorneys and they did nothing wrong. 
I want them to stand by their initial fee proposal. The extensions were not because I failed to comply. They also are telling me that XXXX had notified me if the extension fees. They did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX ATTN : EQUIFAX DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXX, XXXX XXXX XXXX, and the likes. US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EQUIFAX is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EQUIFAX consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EQUIFAX. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I placed an order for crypto that totalled {$490.00} with the {$14.00} fee. Then my card was charged another {$14.00} fee! No where did it say my total would exceed {$490.00} XXXX XXXX card limit ) I want the refund of the second {$14.00} fee because nowhere did i agree to that. 

Coinbase case # XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
I have an American Express Business credit card. On XXXX XXXX, 2016, I called American Express and inquired if I used the card for a transaction and would it qualify for Pay over time option. I was told yes. On XXXX XXXX, 2016 I received an email saying my account may be suspended. I called American Express and after being transferred several times I was told that until I pay the balance down some my account will be suspended. I was also told that the charge I made on XXXX/XXXX/16 will be on the Pay over Time on my Billing Statement. On XXXX XXXX, 2016 I received my Electronic Billing Statement which stated I need to pay the total amount of the charge from XXXX/XXXX/16 ( {$15000.00} ). I called Customer Service once again I was transferred several times until the last person was suspose to be in the credit department. She suggested that I pay the total amount by the due date. I advised her that I do not have the money to pay that balance, that 's why I called before I used the called for the tranaction for approval. She told me that American Express can revoke the Pay Over Time Privilege anytime they wanted to even after you were told it qualified. Again explaining I do not have that total amount what other options do I have because I do not want a negative credit rating on credit report. She told me the best they could do is for me to pay {$1300.00} that day XXXX/XXXX/16 and pay {$450.00} with a XXXX interest rate for 36 months. I explained I did not have {$1300.00} that day. She told me if you do n't except these terms today it would change. American Express should tell some XXXX they are approved to make a transaction and be allowed to Pay Over Time if two weeks later they change their mind and say " No WE want You to Pay the Total Amount Now ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, INC.
State: SC
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:
Notice to agent is notice to principle, this should serve as a written notice to the Equifax that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX. These accounts and their history should be removed or reported positive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Conduent Incorporated
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Somebody stole my card an the pin wasn't with the card I want my money back they denied my dispute they wouldn't even let me send the a police report they block my account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My Mom passed away and we are trying to close her account with CITI home equity the loan was paid off last year we keep getting bills for {$650.00} i think they are fee 's from the company I have tried for days to reach someone there are no branches in the area and when i got a offshore person they told me to go to a branch Please help me close this loan and stop them from leading in Massachusetts because there is no one to service the loan

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 2020-04-03
Company: WELLS FARGO & COMPANY
State: NY
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:
Early XX/XX/2019, I ( XXXX XXXX ) set up autopay on the Wells Fargo Dealer Services website. I was indicated on screen that the autopay would take up to 15 days to take effect. 

Wells Fargo claims that I never signed up for autopay and they dont see it on their end, therefore blaming me for an error on their end. And refuses to removed the delinquencies from my credit, when that is the only delinquency that is there, no other missed payment ever. 

Theres no way for me to prove that their online system instructed me to wait for 15 days, so they refuse to help. Theyre saying I created the autopay over the phone in XX/XX/2019, which I did after discovering my online application didnt go through. This detriment is stopping me from buying my new home. Thank you for the 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
Consumer complaint received 2021-10-28
Company: DISCOVER BANK
State: TN
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:
I've been made aware of the fraud on the discover credit card account. 
They are in violation of several consumer laws. I can list a few to begin.

1.UCC 3-302 2.UCC 3-306 3.15 USC 1666 ( d ) 4.15 USC 1666 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent Equifax a letter asking them to reinvestigate a total of 15 accounts that appeared on my credit report. Not only have they still not responded to that letter, but I also sent in a letter notifying them that they failed to respond to my original request in the allotted responding time on XX/XX/2021. The biggest issue came in the form of them not sending me an updated copy of my credit report, and one of the companies I asked to be investigated reached out to me and sent me a bill. This is a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have a Best Buy credit card with Citibank as the underwriter. Citibank has sent notices that state they are charging a late fee of XXXX $ despite the CARD Act 2009 that clearly indicates late fees can not exceed XXXX . I have told them this repeatedly but nothing has changed. Furthermore, I have been told that they are removing my late fees only to later find that the late fees have not been removed and Citibank then charges me another late fee on top of the previous late fee. This deception and fraud has been going on since 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 2022-09-11
Company: EQUIFAX, INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( Equifax ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CITIBANK, N.A.
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with citi called citi gold with the option to earn a promotion of XXXX XXXX miles. I emailed their customer service to verify I met the qualifications of the award and received 2 email stating that I did and when I should expect the award. That day has came and went and still no points.

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 2020-04-03
Company: JPMORGAN CHASE & CO.
State: CA
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 XX/XX/XXXX I visited an establishment in XXXX. My Chase XXXX   XXXX  credit card ending in XXXX and another card a Chase XXXX   XXXX  ending in XXXX were stolen. 

After leaving the establishment I received multiple fraud alerts and realized my credit cards were missing. I called Chase and immediately reported the cards were stolen and the fraudulent activity. 

In total I was informed someone at the establishment or merchant attempted 7 transactions, of which 2 got through. One on my card ending XXXX for {$3300.00} and another on my card ending XXXX for {$55.00}. Chase said I would not be responsible for the fraudulent charges, canceled the cards and I did take further steps at that time. 

Initially the 2 transactions were reversed, but after returning from XXXX on XX/XX/XXXX I was informed I would be responsible for the {$3300.00} charge. Through multiple conversations and disputes after that a senior fraud investigator named XXXX and a supervisor XXXX XXXX XXXX said they re-opened the case on XX/XX/XXXX because : 1. It was shown in their system that there were 7 total very suspicious attempted transactions, that seemed to be an attempt to max my card, of which the 5 on my card ending XXXX were listed to me with amounts and times : XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX EURO - XXXX XXXX XXXX - XXXX I  know my credit card limits are over XXXX USD and it would be inconceivable these would be legitimate and authorized transactions. 

2. I filed a police report on XX/XX/XXXX, but that had no results. 

3. The charge for {$55.00} on my other card ending XXXX was fully reversed and deemed fraudulent. 

For the next 2 months I did not hear any response from Chase, believing they had forgotten my case and or simply chose to ignore it, I sent another email to XXXX XXXX on XX/XX/XXXX. 

Curiously right after on XX/XX/XXXX they said they reviewed the case again and refused to reverse the charge for XXXX, and offered no new information or reasons on the decision. They had previously citied that I was at the establishment and received benefit, which is absurd because I didn't authorize those charges, and paid in cash for any items. Nor would I purposely try to max a credit card by running 7 transactions on it, when I know very well what the limits are. 

Furthermore it is completely inconsistent for 1 charge from the same establishment to be deemed fraudulent, but on the other hand claim another charge is not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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