BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I submitted a home equity payment to a Charter One Bank Account that had been closed for 15 years. Realizing my mistake, I notified, on XXXX XXXX, Citizens Bank, who had purchased Charter One Bank, but they could not locate the check. I submitted all documentation they requested ( proof of electronic payment made and cashed from my XXXX checking account ). See Attachment. XXXX also issued a case number XXXX and contacted Citizens on my behalf. After hours of conversations with bank personnel, I endured a quagmire of misinformation and constantly found myself back to square one. Finally the check was found on XXXX. I was issued Citizen 's case number XXXX and told the check would be mailed out in three weeks. On XXXX XXXX, I was told the check was sent out and would be received in 3-5 days. The check did not come and after another call a manager, XXXX, told us the check would be sent out XXXX and to allow TWELVE DAYS for delivery. To this date I am not in receipt of any funds. This has been an aggravating and costly ( emotionally and financially ) experience involving either incredible incompetence or out and out lying. The bottom line is that a reputable institution would have immediately returned a check written to a defunct account in the name of a non-existent bank. Citizens Bank has had XXXX dollars for 50 days to this point and has not made a good faith effort to remedy the situation. Again, I have yet to receive reimbursement and all but one phone call was made by me to their institution. I think their shoddy, questionable banking practices warrant investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: FL
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: National Credit Adjusters, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit collection agency NCA in the amount of {XXXX} added a collection to my credit report that isnt mine. I called the credit collection agency to take care of it they said to file a police report which I have today XX/XX/22. I also called the credit card XXXX XXXX company with the information given by the agency and the credit card company has no record of the collection. I do have a current credit card with XXXX XXXX which is in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 XXXX  This is a duplicate account, I have reached out to the company and to its current debt collector.I have also made a dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CCS Financial Services, Inc.
State: PA
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:
CCS USA listed an incorrect creditor or payee, and I hope this is paid properly as of today. 

XX/XX/XXXX is which I was to be paying. 6 months, I was following payment plan procedures and I thought the CCS people were fraudulently trying to collect a closed debt from XXXX XXXX XXXX, as I only knew inform to be the payee/creditor, so I disputed the mismatching information and also contacted inform XXXX directly to pay, who has not gotten back to me after saying someone will call me back.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX is the credit card for hundreds of retailers, and I have two active cards with them that are in good standing and are account I have had for a long time in good standing. I realized I missed my {$27.00} payment to XXXX XXXX XXXX  due on the XXXX or XX/XX/XXXX, and I proactively called into the XXXX number to let them know I would pay it on XX/XX/XXXX. So less than two weeks late. The girl told me there would still be a late fee, and I know that is the case. I called in around the XXXX or XX/XX/XXXX. Starting on XX/XX/XXXX up until now as I am writing, I have received THREE calls per day from XXXX XXXX, mostly all different phone numbers, but all saying XXXX. Maybe they are call centers all over with all different numbers. I am not answering the calls because they are calling about the {$27.00}, but I already called in proactively and set up a payment with them. They called on Sunday and on XXXX XXXX, too. I am thinking this is very very excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I went to make a {$2.00} purchase at a XXXX XXXX  on XX/XX/XXXX and it declined. I didnt think much about it because I usually lock my card when its not in use and thought I just forgot to unlock before going to store. 
In XXXX I made a cash deposit into my cash app account to cover a purchase and a bill. When I went to make the purchase it declined. I looked to see if my card was unlocked and it was. At this point I reached out to support and was told they were investigating a fraud claim. I asked for what? They could not tell me. 
I checked in with support every week for 3 months and it is still unresolved. 
I reached out to my state attorney generals office and they recommended I seek assistance from the state attorney generals office where they are located to file a complaint. So Cash Apps corporate office is in XXXX XXXX CA, BUT the banking partner for my area is XXXX whose corporate office is in Ohio. So I do not know who to file on. XXXX refers any problems back to Cash App, but it is their card that is locked. I am so tired of getting the run around and having zero resolution in 6 months time. I requested they issue me a certified cashiers check if they are not going to unlock my account as that is MY money. It was not sent to me by anyone. 
Any time I have had an issue about any transactions it has NEVER taken ANY financial institution more then 10days to resolve it. My current phone number, address, and email are on my cash app account, there is no reason for this! 
I went through an identity theft in XXXX that took 8 months to resolve through the state and federal government but I have been verified and most of the issues were resolved, so I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: DISCOVER BANK
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Hello. I recently wrote out a check to my landlord to pay my rent on XX/XX/XXXX. When the check was cashed on XX/XX/XXXX I received a notification that it processed. The next day I was checking my account and asked why I had insufficient funds. My bank initially told me that the check was processed twice and that I would be refunded for the second transaction. 

My landlord reached out to me on XX/XX/XXXX saying that he did not receive any funds. I showed him a picture of my bank account showing that I had available funds to cover the check. He continued to ask me daily to check with my bank and I continued to reach out to them on several times between XX/XX/XXXX and XX/XX/XXXX. 

My landlord provided me a copy of his bank statement on XX/XX/XXXX showing that the check was deposited and then returned the next day for insufficient funds. I provided that information to my bank and they are continuing to say that I need to follow up with my landlord. Originally when I told the dispute team at Discover bank that I had a copy of his statement they started investigating the check. They told me that it would take 3 to 5 five business days from XX/XX/XXXX. When I called today on XX/XX/XXXX they were short with me and told me that the money was deposited into my landlord 's bank and that he has the money. They advised me to reach out to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank made a transfer from my old bank account to my new account at Citibank for {$50000.00} on XX/XX/XXXX. This transaction was not authorized by me. My old bank account did not have {$50000.00} in it causing a {$35.00} overdraft fee. Citibank refuses to pay for the overdraft fee!

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 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX  appear on my Transunion credit report as hard inquiries, I have disputed many times this hard inquiry via Transunion and also directly by calling this company but every time Transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY.

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 2022-03-21
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from On Line Information Services asking me for {$250.00} from supposed creditor : XXXX XXXX XXXXXXXX. XXXX. of TX. I contacted XXXX XXXX @ XXXX and provided them with my account number and was informed that I had zero outstanding balance with them and that Online info. services was fraudulent. Please investigate the matter.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I was a victim of fraudulent charges placed on my credit card becuase of a stolen card number. I have reported this to the company and have recieved a new card with a new number, however, the card that I recieved has a contactless NFC chip installed. Using a cell phone with NFC capabilites, I had no problem getting the phone to read the card number, expiration date and CVV code. This is a very insecure sustem and I do not want this card since the information can just be stolen again. When I call in to request a new card, I am told that there is nothing that can be done and that I can not get a card the does not have this insecure feature disabled or removed. Since this is how the fraud on my account occured before I no longer trust this company since there is no way to opt out or ask for a card without this feature and there is no zero fraud liability and I am being asked to pay for the unathorized charges on this card. With this company, you are guily until proven innocent -- with the fraud department constantly siding with the merchants by not allowing customers to prove their side and rebilling those charges several months into the future, hoping the customer won't notice ; and even if they do, customer service will do nothing to remove those charges. While I can defeat this feature by wrapping the card in foil, one the card is removed from that foil to be used at a cash register, the card becomes vonerable again. I do not truse this technology, and will not fall for the lies of thier zero fraud liability claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-02
Company: DISCOVER BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom it may concern, this is the third complaint filed for said issue of unauthorized charges on my Discover Bank Checking Account. Ive tried contacting XXXX XXXX who has reponded previously I have tried reaching out to her on XX/XX/20 about the unauthorized transactions from XXXX and XXXX. and have left a voicemail with no response. I have requested proof of these transaction to prove they are valid as their investigation has claimed. No response from discover was provided in the last response other then the corresponding chats they have had with the merchants. I have received my refund from XXXX on XX/XX/20 for my purchase that was made on XX/XX/20 in the amount of {$190.00} then another transaction appeared on XX/XX/20 for that same amount discover has advised me XXXX took back their credit for returning the wrong item or some nonsense. This transaction was NOT AUTHORIZED. the refund was already completed and processed for that purchase. A NEW transaction appeared on XX/XX/20. another transaction that has been previously disputed with discover with XXXX for merchandise that has been returned, XXXX did not refund for this purchase. discover not willing to provide resolution for this. there are 2 other transactions in the amount of {$230.00} and {$140.00} that also were not authorized for XXXX witch I do not use. discover has claimed transactions are authorized because merchandise was received and matched my information this orders were not authorized or made by me. Discover is claming regulation E does not cover Merchandise Not Received. However The transactions were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: GOLDMAN SACHS BANK USA
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:
Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, Marcus Goldman, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that Marcus Goldman reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. Marcus Goldman will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I transferred money out of my Venmo account balance to my checking account. What I thought would be a very easy process as the service is advertised as an easy way to send money. The next day I received an email stating that my account was restricted due to recent activity that triggered some security alerts. I contacted Venmo to fix this and they advised that it would take 15 BUSINESS DAYS so at least 3 WEEKS for someone to contact me back to even begin the process of fixing this error that Venmo has made. The money I transferred out was to pay my mortgage. Needless to say, I can not tell my mortgage company they will have to wait at least 3 weeks to get their money, so how is it okay for Venmo to say the same thing to me? It's not and it's despicable that action is not taken against these corporations for these horrible practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Solidifi US, 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: Public record information inaccurate

Complaint:
On my credit report, it was discovered that there was a writ of XXXX XXXX and XXXX XXXX, Georgia with the plaintiff attorney XXXX and XXXX. 
I was listed on a suit with XXXX XXXX XXXX. I do not know this person. I was wrongfully noted as a defendant in this case. This notice was dated XX/XX/XXXX. 
Student loans were paid off in XXXX and this is not my obligation. 
I want to cleared from my record. It is impeding my ability to refinance my home

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 2022-03-21
Company: Lending Club Corp
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/2021, XXXX XXXX XXXX, which held my monies in escrow prior to my closing on a home, wired the payoff amount to the Lending Club to pay my loan in full. At the time, the payoff amount was {$30000.00}. However, to this date, the account is still showing a balance of {$29000.00} and my bank account continues to be debited for the amount of the loan payment each month, which is {$720.00}. I have provided the wire confirmation information to the Lending Club and they have not rectified the situation as of yet. Instead, every time that I call the Lending Club, I am placed on hold and told that the back office has to investigate or told that a service request has been entered on my behalf. I have yet to hear from the back office and {$720.00} continues to be debited from my account on a monthly basis since XXXX, 2021. I have attached proof of the wire transfer below. Please assist me with getting this situation rectified and the monies that are in excess of the payoff amount, refunded to me in full. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive 6-8 calls a day from different area codes but the same collector to get around the harrasment statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I spoke with a XXXX service rep, XXXX XXXX, regarding a furniture transaction. I had told her that I had been approved for {$1000.00} credit limit on a XXXX XXXX credit card and requested a credit increase to make the purchase ( Item was priced at {$1900.00} at the time ). She then placed me on hold to verify and told me I had been approved for financing for XXXX months/no interest and that it could all be charged to the card. 

Fast forward to XXXX weeks, I noticed that my credit score had gone down approximately XXXX points due to an overcharge on the card. The credit increase was never applied to the card. 

I am extremely disappointed as this has caused major damage to my credit as well as financial loss due to the fact that I had to make a substantial payment to avoid further damage to my credit. I would have not proceeded with the purchase had I known that the credit increase request had not been put in. Essentially, I was lied to by the service rep in regard to the purchase. 

I tried to solve the issue with Macys but they keep telling me that I am the one that needs to reach out to the credit bureaus to solve the issue.

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