BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-29
Company: Crow Creek Sioux Tribe
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to contact XXXX ( XXXX XXXX XXXX ) regarding a payday loan I took out with them in XXXX of 2017 for months. Every time I call ( which is tough since I work the same time they operate ), I get a busy signal or the line hangs up while I'm on hold. I have also lost the ability to see my loan status on the site as well. I decided to do some research and found that some other people where having the same issue. I checked with the XXXX XXXX XXXX XXXX XXXX and discovered that payday loans are prohibited in state and that XXXX XXXX is not even licensed in my state.

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 2021-12-26
Company: EQUIFAX, 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:
On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the Equifax Report that there was a XXXX XXXXXXXX Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with XXXX XXXX XXXX I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting XXXX XXXX XXXX XXXX to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in XXXX XXXX XXXX XXXX  fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling XXXX XXXX XXXX XXXX, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within XXXX XXXX who he had had working with another of his clients who had an open case with XXXX XXXX  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from XXXX XXXX XXXX being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but XXXX XXXX XXXX is really working hard to make that impossible. 
After doing internet searches on issues with XXXX XXXX XXXX XXXX XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through XXXX XXXX XXXX through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and XXXX XXXX Bank will exacerbate id theft going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have a home equity line through Webster Bank. I send additional money every month with my normal interest payment. Although I am not sending in the payment coupon every month with my payment, as my checking account financial institution is mailing checks for me and I'm not capable of placing comments with the payment, Webster Bank is not applying the additional funds to principal. It appears they are placing the additional funds in an suspense account until they can apply an additional interest payment. I placed a formal complaint back in XX/XX/XXXX for the same reason. I'm unable to verbally discuss my account with Webster as I was in a Chapter XXXX bankruptcy ( with these payments being made outside of the payment plan ), and I'm advised I have to speak to my attorney. I honestly do not know if the actual amount of unpaid principal balance they show I owe is accurate. The last time I placed a formal complaint they did have to make adjustments, and I was told my account was reconstructed. So far in XX/XX/XXXX I have not seen and principal payments being made to my account from the additional funds that are being sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-26
Company: CITIZENS FINANCIAL GROUP, 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:
On XXXX, a mortgage loan officer who was pulling my credit report for a mortgage refinance from my bank informed me that there was an overdue credit line showing up on my credit report. I promptly pulled my credit reports and noted on the XXXX Report that there was a Citizens One Line of Credit that showed as opened on XXXX and was noted as 120 days past due ( as of Date Reported XXXX ) for the amount of {$490.00}. As I had not ever had or opened an account with Citizens One Bank, I reported this identity theft issue to my identity theft insurance carrier, XXXX XXXX. They assigned a restoration specialist ( XXXX XXXX ) with XXXX who has been attempting to assist me in contacting Citizens Bank/Citizen One Bank to report this identity theft. Both myself and my restoration specialist have been unable to make contact with anyone in Citizens One/Citizens Bank 's fraud division for almost 2 months as EVERY time we attempt to call the number provided for the fraud department, we receive a voice mail message informing us " Thank you for calling Citizens ID Theft hotline, due to increased volumes, we are unable to answer your call. '' The restoration specialist I am working with connected me with the bank 's customer service line but b/c this account is now old/likely charged off, they were unable to assist and were also unable to transfer us to the fraud department. In addition, my restoration specialist provided me with an email address of a department within Citizens Bank who he had had working with another of his clients who had an open case with Citizens Bank  : XXXX. He suggested that I send an email requesting assistance in reporting identity theft : I emailed that address on XXXX and never received a response. I would really appreciate someone from Citizens One/Citizens Bank being able to handle a report of identity theft so that I can have this fraudulent credit line expunged from my credit report. There is absolutely no excuse for someone to not be able to report id theft to a bank but Citizen 's Bank is really working hard to make that impossible. 
After doing internet searches on issues with Citizens One Bank/Citizens Bank XXXX I believe that someone opened an XXXX XXXX XXXX All Access account using my social security number and it appears that the only way you can open one of those accounts is through applying for a credit line through Citizens One Bank through various retailers- there is no traceability in this type of purchase. I highly suspect that this type of arrangement with XXXX and Citizens One Bank will exacerbate id theft going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a payment on XX/XX/XXXX, that payment was for the month of XXXX, I made another payment on XX/XX/XXXX for the month of XXXX, because I was going to be traveling, then I made a payment on XX/XX/XXXX for XXXX, when I check my statement in XXXX I call the company ant told customer service to apply the payment correctly, she said I paid XXXX payment to early but she will take care of it, I have call two more time and they will not change the account. The also are reporting the account as past due to the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Coast to Coast Financial Solutions, Inc.
State: CA
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:
coast to coat financial, XXXX, ca XXXX, phone number XXXX, reported collection account on my XXXX credit report, this account belongs to a friend that used my identity and from my good heart, I paid the amount owed on the collection account, amount of XXXX please have the collection company remove this report, this is a fraudulent account that was opened without my consent, my name is XXXX , I live on XXXX, ca XXXX, and the account was opened on XXXX, ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I made a purchase of {$74.00} for a gift for a relative of mine and elected to fulfill through PayPal. As thus, I place my relatives name under the shipping information section as he is my intended recipient while placing my own information under the billing details. Shortly after my purchase was placed, PayPal sends me a message stating that my transaction has been placed on hold and they require the date-of-birth of the name listed as my recipient. Upon calling PayPals customer support line, I inquired various questions regarding the nature of this request and what options are available to resolve. On this call, I spoke to a manager, expressing that I would like to decline providing the information and cancel the transaction, as I do not have the consent of the recipient to provide this information to PayPal. I ended the call with the manager agreeing to provide the Compliance Department with my request. Later I receive an email from PayPal which states Thank you for your response and sorry for the inconvenience caused to you. However, as part of our regulatory requirement, we need the date of birth of " RECIPIENT '' so that we can resolve this issue. I have replied to this email to restate that I do not have the partys consent to provide those details and have requested an alternative. I am currently awaiting a response from a PayPal representative regarding my reply. However, if they insist that I need to provide a DOB then I am not sure what action to take as that is personal information that is not my own, and I do not have the individuals consent to provide that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, 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:
I just pulled update of my credit report and I dont see any changes! I already send few rounds of dispute and told you that I have no idea where these accounts came from. Im sure that someone use my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Capital Accounts, LLC
State: PA
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:
This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently checked my Credit Report on XXXX XXXX and I found an old debt has been re-inserted as new. I've reached out numerous times via US mail ( in XXXX & XXXX ) and I have sent letters informing them the debt is old and should be re-moved however they keep adding it. If you take a look at the screenshots I took you'll see 3 images. 

In report.jpg you will see it says " XXXX XXXX XXXX {$970.00} Opened XXXX '' If you check the other screenshots XXXX & XXXX you will see this {$970.00} debt was originally assigned XX/XX/XXXX The Arizona Statute of Limitations on Medical debt like this is 6 years. This should be ERASED from my report immediately

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 2020-06-08
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
Wells Fargo Card Services continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them. 
Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them.

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 2015-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2021, I applied for a XXXX credit card through American Express. The application had a marketing pitch where I could receive XXXX miles if I applied through the link and met a spending threshold. I applied through the link and met my threshold. I waited for a time, then finally reached out to American Express to see where my bonus miles were. I received this response through chat : " There are more factors involved than the number of accounts you have opened and closed over the years. Based on your history with American Express, we did not approve you for the welcome offer on this account. My apologies. '' American Express never indicated to me that I was not approved the welcome bonus, but they were happy to approve me for the card and charge me an annual fee. If there was an indication that I wasn't eligible for the welcome bonus, it was written in the fine print and not readily disclosed. If I had seen it, I would not have applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Capital Accounts, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: OH
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:
Equifax failed to reinvestigate the accounts in question pursuant to consumer protection laws. 

I've sent several notices and an FTC affidavit ID theft regarding the accounts in questions. Those closed account supposed to be removed within 5 business days. That did not happen. 

I did not, and/or do not consent to XXXX procedure and Equifax never did a full reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taking a vantage of due to malpractice while several laws has been broken Under the FCRA by your company This has caused me Financial injury Also defamation of character I cant get a job or I can obtain 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 2022-08-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have had a Chase XXXX credit card for over 5 years, for the first time in 5 years I had to request the travel protection that they advertise in here : https : //www.chase.com/personal/credit-cards/hyatt/world-hyatt/travel-protection My trip to XXXX from XXXX XXXX was interrupted due to a car accident on my way to the airport ( XX/XX/XXXX ). I've contacted Chase and followed their steps in order to submit a claim for trip cancellation. My claim is for about {$270.00}, which is how much my flight cost from XXXX XXXX to XXXX ( purchased on XX/XX/2022 ). 

I have yet to hear from them since I filed the claim on XX/XX/XXXX, their website says that I should be hearing from them in 5 days or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX FOR XXXX XXXX XXXX Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor

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