BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I received a check from a user with {$2800.00} on XX/XX/XXXX and made the deposit to my Chase checking account. The status becomes from pending to deposited on XX/XX/XXXX and balance increased by {$2800.00}. After I saw the amount came to my account, I made a payment {$700.00} to the user too by Chase XXXX quick pay within the Chase.com. On XX/XX/XXXX, the check shows returned, the bank deduct {$2800.00} from my account, and I tried to contact the user, the user doesn't reply the message/phone/email. So I contacted the Chase bank, they just tole me nothing they can do from their end. The chase continues to deduct the amount from my account, and can not reverse the following payment I did. Chase has very misleading information which is a high risk for all the customers. It shows the money came to my account then reverse it the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: NC
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 went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business, XXXX XXXX and I'm only a XXXX  since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes because it is my only one source of income. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Bank of America did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!

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 2022-05-16
Company: EQUIFAX, INC.
State: MO
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: CITIBANK, N.A.
State: SD
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 used my Citibank MasterCard to purchase a ticket on XXXX airlines on XX/XX/2020. In late XXXX, they cancelled the flight and they provided me with an email assuring that they would refund the fare. They did not. I filed a billing dispute with Citibank. Under the fair credit billing act, a charge for a service not rendered is an invalid charge and is mandated to be refunded. Citibank contends it is an honor system and that they can not reverse the charge. They can only ask to airline to refund. The airline refused their request, despite my providing the written email from the airline assuring a refund. Citibank says I need to sue the airline, which is impossible because they are overseas. The amount is {$100.00}.

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 explanation
Consumer complaint received 2022-05-16
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Over a year ago I bought a vocal booth from a company in Nevada called " XXXX XXXX XXXX ''. They had a " special '' deal going on and I was looking to get one for when I move out into an apartment that can withstand the weight since they are over 1,000 lbs. I asked if they could hold onto it until I move in and they said yes. They said I can make two payments for the booth with my debit card. One payment of {$3000.00} was paid on XX/XX/XXXX. The second payment for {$3000.00} was paid on XX/XX/XXXX. 

I moved into my new place around 4 months ago and asked them to ship it. After 2 months of them saying they can't ship it due to " weather '' they finally said that they could ship it. I paid the " shipping '' and they " sent '' the booth. Nothing has been received. When I would ask for a tracking number, they would just say " it's on the way! '' The shipping was {$1300.00} and was paid with XXXX. I asked for a refund since nothing was received and they said " we do not offer refunds after 30 days. '' When I bought the booth the company had many good reviews and their website/social media seemed legit. Unfortunately, all of the good reviews are gone and now all XXXX reviews say that this company is a scam. I talked to someone who got scammed on XXXX and he managed to get his money back by setting up a fraud case with his bank. 

I contacted my bank ( 5/3 bank ) for a fraud case. The two payments made on the booth could not be investigated because 5/3 said it was out of their timeframe. The shipping payment is still being investigated by them. I am wondering if you can help me get my money back. I can provide all proof about this because all communication with this company was through email. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my XXXX XXXX I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out disputes but Ive had no responses. Ive sent out disputes & validation requests to the credit bureaus as well. This willful neglect has not only caused much XXXX XXXX, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2020-06-11
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
last year I tried to pay off the loan ocwen sent my bank an overblown payoff with no proof of the quote.i had previouslyrequested my payment history and it said XXXX they sent a payoff quote of XXXX the original amount I borrowed was XXXX from XXXX back in XXXX there fore I went into a 3rd straight bankruptcy dealing with all these companies. XXXX, XXXX, ahmsi, homeward, ocwen, now phh. I had a complaint against ocwen last year with the cfpb for changing my maturity date and adding on 5 months to my loan and they lied to me and the cfpb saying I was wrong. even though I showed them the proof.well when I filed the bankruptcy to stop the forclosure the maturity date had changed back to the original date. I have that proof. the money never came off. I owed XXXX in principal and interest according to their records.then when they sent in they proof of claim it was now XXXX with no proof I have seen. plus another 8.25 percent interest on the XXXX. I put the house into the bankruptcy to make sure I get credit for it since they never over 15 years gave me credit for my payments. here is what I want from them ; proof on my account what I owe ; dates the money was posted to my account, credit for the extra 5 months they added to my account and what I owe them down to the penny.also my chapter XXXX was dismissed XX/XX/XXXX and XXXX dollars paid to them and that too should be added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
applied for refi in XXXX XXXX, with the original holder of my mortgage loan which was opened in XXXX, i submitted all requested verification on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX i was informed items submitted to underwriter and turnaround time is 7 to 10 business days and i will be recieve a status update within 5 days. however, since this notice i have been inudated with emails for the following ; 1.on XXXX/XXXX/XXXX request letter of explaination for addresses on my credit report for XXXX and XXXX, which i have n't resided at since the XXXX, a business that was registered at this addressthat is not associated with a apt . number or the apt . i lived in, explain a business that a relative used at my current address for the purpose of receiving packages securely, 2. expalin why i have a balance of {$9000.00} on equity if it was included in bankruptcy, although the debt was n't reaffirmed, 3. XXXX/XXXX/XXXX, signature not in cursive in email, resign, 4.XXXX, letter of explaination for a business credit card, 5. XXXX/XXXX/XXXX, recieved email that final info.needed was from my hr/payrollthat the asst.could n't obtain, for them to explain my les codes for temporary modified duty in amount of {$XXXX} ( which is noted as the ytd ), expalin ytd of {$XXXX}, because it does n't add up to my biwkly or monthly pay, however this amount clearly states it is my net ytd earnings as of the payperiod.however, upon receipt of my email, that employer uses the work number, there response was they verified income, but work number does n't give a breakdown of leave codes etc.so i took it upon myself to write a statement to try an expediate the closing etc. to no avail., 6. XXXX/XXXX/XXXX, letter of explaination and proof of the income received needed based on my XXXX ytd being low from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX, because i was paid by workman 's comp. although they have my current check stubs showing my biwkly pay and hourly pay, 7. XXXX/XXXX/XXXX, they are now requesting a XXXX for XXXX i received in XXXX, although XXXX does n't issue a XXXX, because it is not taxable. i am at wits end, and request that an investigation can be done into this, i have been on the same job for over 20yrs, my initial loan is established with citi and i am fully familiar with the refi process to know this is not being handled correctly. i have tried to contact upper management but have yet to receive a response, i initiate a complaint with citi at there executive repsonse unit yesterday and have contacted fannie mae yesterday and waiting on a call back as of this date. any assistance in the expediating of this matter would be highly appreciated.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} TRANSUNION : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}

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 non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from 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 2016-05-13
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Late fee

Complaint:
I paid my credit card on time, but found a late fee on my credit card statement. I called the credit card company to ask about the late fee and I was told since my payment came from the bank on Friday, it did n't clear in time over the weekend. The customer service rep was adamant that the late fee was not refundable and this was a blanket policy that did not just apply to me, but that was across the board for anyone in my situation. I am not sure I believe her, because I have seen instances on the internet where people have had their late fees refunded. The specifics : Citibank ( ATT Universal Card ). Payment made with electronic banking through XXXX Bank. The payment was scheduled to be made on XXXX/XXXX/16, electronically with a 2 day turnaround. The due date was XXXX/XXXX/16. The reference number from XXXX for the transaction was XXXX. The Citibank statement shows the payment being received on XXXX/XXXX/16. I am asking for my late fee to be refunded or a better explanation from Citi for why it can not be. I am also concerned that this electronic payment in fact gets hung up and can not be made anywhere close to immediately. XXXX says it was to be done in 2 days. Even taking account of the weekend, the payment should have been received by Monday XXXX/XXXX/16, which would have been timely. I have some skepticism toward Citi as to whether their system is weighted to drag out payments such as mine so that they can maximize the amount of late fees they receive.

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 2022-05-16
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}

Company response to consumer: Closed with explanation