BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This summer I bought several items online, which I promptly returned. When I reviewed the next two statements, it appeared that Macys continued to charge me for one of the returned items. 

On XX/XX/XXXX, I called the Customer Service Department. The representative with whom I spoke agreed that the billing is confusing. After about 45 minutes, she finally was able to decipher the confusing billing. She explained that I was being charged late fees on a t-shirt I bought on line for {$19.00}. 

Once we clarified the confusion, I immediately arranged for an electronic payment of {$19.00}. I asked for a credit on the late fees because : ( 1 ) Macys own billing system is confusing and misleading to consumers ; and ( 2 ) I am a longtime customer and it is the right thing to do. 

Both the woman with whom I spoke and her manager told me they lacked authority to give me a full credit. They are third party billing agents, not Macys employees. The remaining fees after their adjustment is {$33.00}. I explained I planned to dispute that amount. 

On the same day, XX/XX/XXXX, I went to the Macys store in XXXX MA to return other items. When I tried to buy some other items, my Macys card was declined. The sales person gave me the enclosed receipt which incorrectly says my current balance is {$92.00}, almost 3 times the disputed amount. I checked my statement online yesterday and it remains unclear why the enclosed receipt says my card balance is {$92.00}. 

On XX/XX/XXXX, I wrote the address listed on the statement to dispute the divergent late fees. I did not receive a reply. 

On XX/XX/XXXX, I called Customer Service again, who told me Macy 's has no record of my XX/XX/XXXX complaint. They gave me a new address for what they say is Corporate. Now my late fee is {$75.00}. The numbers keep changing. 

This sequence of events shows that Macys has a misleading, deceptive, confusing billing system. I want Macy 's to XXXX balance the bill.

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 2020-12-30
Company: DISCOVER BANK
State: MD
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:
On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I would like to first let you know which account I'm referring to GM Financial Account # XXXX. The issue is the reporting of late payments in XX/XX/2020 and XX/XX/2020. Due to covid-19 I was unable to get payments made either due to not being notified or being unwell. I did get this taken care of as soon as I was able.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid through my insurance and I have called United Revenue Corp several times to explain this to no avail. I have disputed this with all XXXX credit bureaus with no success because URC keeps reporting this as accurate data when it is not even owed to them. I also sent URC a debt validation letter and they never responded to my request but they signed the XXXX card showing that the received the validation request over 60 days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2022 - A deposit was made to our Fifth Third checking account after XXXX and amount was debited the amount from an account with another bank that evening. At the deposit was made, we were not provided any notice from Fifth Third that the funds would be made available for 10 business days. Being a small business, we have limited funds and Fifth Third place us in bind by sitting on our funds for nearly two weeks. The only response they provided was that it is their policy, which was not disclosed at the time the deposit was made. Account disclosures were requested but not provided. 

XXXX XXXX, 2022 - An attempt was made to wire money to our Fifth Third checking account from an account with XXXX XXXX XXXX All of the information provided by XXXX XXXX XXXX indicated that the wire was remitted and rejected by Fifth Third. Since these funds needed 1-2 days to clear back to the XXXX XXXX XXXXXXXX account and Fifth Third was holding the XXXX XXXX deposit, our small business was forced to suspend payroll and delay vendor payments. Fifth Third indicated it had no record of the wire being rejected. We made three attempts to get clarity from Fifth Third and provided no information. 

XXXX XXXX, 2022 - We made another deposit to our Fifth Third checking account in order to pay employees and vendors. Once again, Fifth Third would not release the funds for 10 business days despite immediately debiting the other account that very same day. Unfortunately, we found this was more efficient than transitioning banks. 

XXXX XXXX, 2022 - In response to a phone call from the Fifth Third complaint department, an email was sent to this representative detailing the matters above and additional issues that arose including excessive service charges with no details on the basis of these amounts and no response from our relationship manager. 

XX/XX/2022- Fifth Third had not provided any response and another email was sent in an attempt to garner some update. As it stands, these experiences have consumed numerous hours, resulted in employees having to make arrangement to delay bill payments, cost us various fees and been an emotional burden. Through this all, Fifth Third has done nothing to rectify these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: Jon Barry and Associates, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Erroneous Debts Reported : Paragon Revenue Group {$280.00} Reported XX/XX/2022 Paragon Revenue Group {$960.00} Reported XX/XX/2022 Paragon Revenue Group {$670.00} Reported XX/XX/2022 Paragon Revenue Group {$600.00} Reported XX/XX/2022 Paragon Revenue Group {$640.00} Reported XX/XX/2022 Paragon Revenue Group {$920.00} Reported XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Pollack & Rosen, P.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. 


XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have a collection showing on my credit report from XXXX XXXX XXXX. The original creditor is XXXX XXXX XXXX. This is not my debt, and I requested validation of the debt repeatedly from the credit bureaus, but have received no validation, or even confirmation of an investigation. I also requested validation directly from XXXX by certified mail. They received that letter at XXXX XXXX on XX/XX/XXXX, and I still have not received any sort of response from this company. I also tried speaking XXXX resolve this issue, and they told me that the address where the service was provided was XXXX XXXX XXXX XXXX, XXXX OR XXXX. I have never lived at that address, and in XXXX my address was XXXX XXXX XXXX XXXX XXXX OR XXXX. This is not my debt, and the bureaus should not be showing it 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 non-monetary relief
Consumer complaint received 2016-03-17
Company: Patient Account Services, LLC
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.

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 2016-02-04
Company: North Shore Agency, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received a communication from north shore agency indicating that I owe money for a magazine subscription renewal. Last year my daughter gave me a subscription as a gift. I have never ordered or renewed this subscription. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/21 - Received a call from Wells Fargo Bank ( WFB ) The telephone number that showed up on the telephone was the same number that is on the back of the WFB Visa/Debit Card . Caller said someone had gotten into our checking account and was transferring money via XXXX. They said that we were to access account from our computer and follow certain instructions they were giving. including changing our password. Once that was done, " XXXX '' money transfers began. Three immediate transfers of {$700.00}, {$1000.00} and {$1800.00}. When the transfers started, we called WFB from a different phone and explained what was happening. The transfers stopped and our account was closed. 

We then spent at least two ( 2 ) hours on the phone with WFB talking with different individuals ( fraud department? ). We were ultimately instructed to file a claim with the WFB Fraud division, which we did. We had many ( at least 20 ) following discussions with WFB on the phone and in our local Branch. Ultimately WFB denied our claim and refused to tell us where and/or to whom the money was transferred. Instead, WFB told us that in order to find out where and to whom the money was transferred, we would have to file a claim with the local Police and/or the FBI. We tried calling XXXX for more information, but they would not discuss the matter and instead directed us to have any and all conversations with WFB, We ultimately were directed to the " Executive Division '' of the WFB Fraud Department ; and after about a month of discussions, we got nowhere except receipt of another letter of rejection.

We understand that WFB owns XXXX ; and, we further presume that a WFB employee may have been making this fraudulent transfer. We have been regularly banking with WFB for more than 60 years, and would like to get back our stolen {$3500.00}.

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 monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-03-20
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Target closed my account on XX/XX/XXXX. I mailed 2 letters demanding they validate the alleged debt they present to the CRAs. They denied me my federal right. They removed the tradeline from the CRAs on or about XX/XX/XXXX. They violated 15 USC 1692e by falsely and deceptively, misleading the credit reporting agencies, through reports that I owed on an alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: JPMORGAN CHASE & CO.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Chase Bank printed and sent a letter to me, threatening to close my account because of a negative balance. I sent a message to Chase Bank on XX/XX/XXXX regarding those account errors, things I am aware of, and changes I'd like to be made. They addressed a small portion of my letter on XX/XX/XXXX, but disregarded the rest of my letter which was very important. They chose to ignore my request as the consumer, and incur more damages as the days go on, as I don't have my desired results. I exercised my right of rescission pursuant to 15 USC 1635 to increase the credit limit for my open end credit plan. Chase Bank and employee 's have broken Federal Law and they are to be held liable. Pursuant to 15 USC 1640 ( a ) ( 1 ) and 15 USC 1640 ( a ) ( i ) they are liable for any actual damages, and double the finance charge of this consumer credit transaction. I would like Chase Bank to send over my file ( 15 USC 1681a ( g ) ) and/or any and all documentary evidence ( 15 USC 44 ) you have on this account, including the finance charge/sum of all charges 15 USC 1605 ( a ), public, private, verified and unverified, through paper mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I'm assuming that you either didnt receive my letter on XX/XX/2020 or your just ignoring me, because i clearly noted each and every issue of the accounts that were misleading and unverified I understand that you receive thousands of disputes every day, but your website specifically states " to dispute by mail ''. At this point, i really need to see something that proves there was an independent investigation and that you didnt just toss my letter in the trash. I expect a quick response at this point with the items i deemed unverified deleted since you are in violation with it being over 60 days with no response.

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 2022-03-20
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed and sold my XXXX XXXX credit card to XXXX XXXX XXXX, XXXX on XX/XX/2020. They never validated the debt. Synchrony Bank is in violation of 18 USC 1028A when on XX/XX/2020, they knowingly committed aggravated identity theft - Transferring an identification document or a false identification document knowing that such document was stolen or produced without lawful authority selling my credit card and location information to XXXX XXXX XXXX, XXXX. I did not give them written permission to transfer my personal 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 2020-12-30
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:
I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2022-03-20
Company: Credit Plus Inc
State: GA
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:
I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: NCC Business Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!

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