BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I cancelled my Amazon.com Store Card about 6 weeks ago via telephone contact. I made purchases from Amazon.com online in XXXX, 2015. I selected Visa for my payment method for each purchase. I just got a bill from Synchrony XXXX for the purchases that I made. Synchrony XXXX is the processor for the Amazon.com Store Card. I contacted Amazon and they told me thatXXXXXXXX My Store Card was still active. 
XXXX That when you have a Store Card no matter what payment type you select the purchase is automatically put on the Store Card. This is called " HIJACKING '' and is illegal. 
I never signed up for an automatic purchase default to the Store Card. 
I hope the Federal Government deals harshly with Amazon.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, I made an online deposit for a {$200.00} check. I mailed the check on XXXX XXXX to make sure it was received within the 7 day requirement. On XXXX XXXX, I discovered that the online deposit had been reversed by nfcu on XXXX XXXX without explanation and without notifying me. This is the SECOND time this year nfcu has stolen my money and I want it back immediately. They now have my check and I do n't have my money. THIS IS COMPLETELY UNACCEPTABLE!!! They are supposed to be protecting my money, not stealing it. CUSTOMER SERVICE XXXX!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my XX/XX/XXXX payment for my morgage on XX/XX/XXXX, then when I went to make my XX/XX/XXXX payment Wells Fargo tried to do a double payment which I advised them they could not and they did reverse it but made my account 2 months past due which is incorrect, I am currently current on my mortgage and they refuse to listen to me or even contact me back when I do contact them. I have all my payment records here which is only a little over a year and a half proving I have made my payments, I admit in XX/XX/XXXX I made some late payments but for XX/XX/XXXX I have been ontime. They current have my due date being XX/XX/XXXX and saying I am past due which I am not and I have all the doc 's to prove it, that I am due for XX/XX/XXXX but I am making that payment today and I have a copy of that check as well. I have worked really hard on my credit and they are going to ruin it by them trying to rip me off!!

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 2015-10-14
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had XXXX fraudulent purchases made in XXXX, XXXX that I did not initiate. My Bluebird American Express company will not file fraud charges and reverse the transactions. Their fraud department will not do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern, I am writing you and regards to recent issues we have been having with Wells Fargo 's property loss department. We had a hail storm XX/XX/XXXX which left our property in need of repairs. Our insurance company XXXX XXXX assess the damage and issued a check so we could repair the damages. Because of the amount of the damages I was told the check would be issued to Wells Fargo and me. This is where my nightmare begins. My daughter and I contacted Wells Fargo to inform them of the damage and to find out what are next steps needed to be. The lady we spoke to informed us of all the information we needed to fax over including what we needed to fax for an exemption so we could have the funds released to get the repairs done in the quickest time possible due to Winter and bad weather impending. We were told it would take 2 days for them to get the facts and then another five days for them to make a decision. We did n't hear back from them like we were told we would and called them back. We were then informed our request was denied with no logical explanation or Reason. Every time we have called we speak to somebody different who does n't know what 's going on and are told that Wells Fargo need some other paperwork we were never told we needed to send in. The latest thing Wells Fargo has requested as a copy of my personal will due to my husband passing. Wells Fargo was informed of this 3 years ago and a copy of his death certificate was sent in with the initial paperwork they requested. But looking online there are hundreds of complaints about Wells Fargo property loss department not releasing insurance claims to people. Wells Fargo has no right to a copy of my personal will nor do they have the right to deny my funds to get my property repaired. I have never been late or missed a mortgage payment at Wells Fargo does n't trust me to fix my property. I find this quite ironic considering the fraud lawsuits they 've been in recently. This whole situation has been extremely frustrating causing me a ton of worry and loss of sleep. I have XXXX grandchildren living in the house and fear everyday the roof over their bedrooms is going to fall in due to the damage is Wells Fargo is preventing us to get repaired. The repairs need to be completed as soon as possible to prevent any injury to any of my family members. I greatly appreciate any help you may be able to provide regarding my problems with Wells Fargo 's property loss department. 
Thank you in advance, 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 explanation
Consumer complaint received 2021-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, TransUnion, and XXXX for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since XX/XX/XXXX. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.

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 2021-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was send a post card that I was going to have an independent forclouser review and I was going to receive a check. I never got anything about my review or a check.

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX XXXXXXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months because I was going off the statements. This is XXXX XXXX fault and they need to take ownership for this not me. This is violating my consumer rights, and I will sue the credit agency and XXXX XXXX if not removed from my 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 non-monetary relief
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.

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 2016-01-15
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Alliance one found my sister in law XXXX and called her yesterday harassing her for my information regarding collecting a debt. I have no idea how they got her cell phone but my brother called me visibly upset to hear about my personalBusiness. I am ashamed they Let my family know whose business this does not concern. My privacy has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a call from XXXX x XXXX at DiTech Financial on XX/XX/2017 at XXXX. He called to ask me, " how things were going. '' I advised him that I was n't sure what the purpose of this call was but should n't you be the one telling me how things were going? He had no explanation for the call. I told him the reason for this call since I 've never received calls back from him despite the dozens and dozens of messages I left for him was the complaint filed by me. He stated, " yes, that was the reason '' even though he had no information to give me. He put me on hold for several minutes so he could speak with his manager. When he returned, he stated, " my manager has no information to give you. '' I again told him that I really did n't know what the purpose of the call was other than to waste my time. I asked him to make sure his notes on my account for this call reflected just that!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022 XXXX XXXX XXXX MD XXXX I sent out 3 certified disputed letters one to TranUnion, XXXX XXXX and XXXX XXXX XXXX Delivered at XXXX XX/XX/2022 XXXX XXXX Delivered XXXX XXXX XX/XX/2022 XXXX TransUnion arrived at the USPS XXXX, PA XXXX XXXX XX/XX/2022 now here it is XX/XX/2022 the certified mail is still at the USPS waiting to be delivered more then 30 days later they never investigated or picked the mail up. With your help I would like for TransUnion to delete or remove what items I was disputing from my credit report because this is a clear violation of the Fair Credit Reporting Act Laws. I have documents attached time and time either they ignore or get say its verified now I sent certified mail and they just ignored it. Help Me Please CFPB

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 2022-11-20
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/22, XX/XX/22, and XX/XX/22 my bank account was hacked. They reversed the charges of XXXX worth of bills that I paid in the last year. Then they sent the money to people I don't know via XXXX and wire transfers. I think my phone was hacked too. I contacted the bank for a fraud investigation and also spoke with the claims department. They told me I could go to any branch and withdraw my remaining money. I went to 3 branches and they wouldn't let me withdraw my money. I asked to speak to a manager. She refused to meet with me. They called the fraud department in my presence, and I was told that they were not even doing an investigation. The claims department didn't know what was going on either. I am now facing repossession of my car, eviction, and I have a million creditors hounding me for money. The bank is FDIC insured. I contacted the police who said there was nothing they could do. No one will help me. I didn't do anything wrong and now my life has been turned upside down. The company is JP Morgan Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About 6 months ago, I opened my first Citi Bank checking account. I opened this account due to a promotional offer, which after completing a few requirements promised to award me XXXX XXXX XXXX miles. I completed the requirements, including the minimums of two consecutive months of bill pays and {$1000.00} of debit transactions. Additionally, I spoke directly with a Citi representative regarding my account, and the representative confirmed that I was indeed eligible for the promotion and that I had also completed all requirements to receive the bonus miles. I have waited 4 months for the miles to post, and have still not received them. Citi has not been able to give me an estimated time of resolution for this matter either. I am quite unhappy with the way I have been treated, and would expect for the miles to be awarded as I have completed my end of the promotional offer.

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 2016-11-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
There was an error with this account online. I paid it once I realized what was going on. I think there was an error with my auto pay. There should have never been a late payment with this account. There is a 30 days late payment with XX/XX/2016, there should have never been a late payment.

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 2022-11-20
Company: McNeil & Meyers Asset Management Group, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The {$220.00} debt is related to a XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX ), who I previously saw for medical care, but stopped seeing in XXXX. In XX/XX/XXXX, I was admitted to an XXXX XXXX XXXX XXXX XXXX and I began seeing the XXXX XXXX XXXX at that facility. 

XXXX XXXX and I did not have a standing, recurring appointment arrangement. Every time I visited for an appointment, we would schedule the next appointment before I left the office. I cancelled my XX/XX/XXXX appointment because I was in rehab and seeing a XXXX XXXX. XXXX XXXX then booked ongoing appointments every 3 months for me in XXXX without my knowledge or consent. 

The {$220.00} debt, which has now been sold to a debt collection agency ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX ), is related to the appointments booked for me without my consent. I can not be charged fees for missing appointments that I did not schedule. 

I originally attempted to settle the issue with XXXX XXXX in XXXX, but the office refused to accept that I did not schedule the appointments and I do not owe the debts. I have since made 2 attempts to dispute XXXX 's report on my XXXX credit report, but XXXX and XXXX refuse to accept that I did not schedule the appointments and I do not owe the debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I SENT ALL 3 CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, XXXX, AND EQUIFAX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: BlockFi Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/22 I tried to transfer {$1000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$38000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX XXXX currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX ETH crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$450.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

All transfers still mark as pending.

Company response to consumer: Closed with explanation