BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: CCF Intermediate Holdings LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a email saying that I owe money to a person with the email XXXX. It said that I took out a loan from a company called speedy cash loan in XXXX but I never did and never heard of this company. I called the company and they said I wasnt in their system and it a scam to get my information. They told me to report it to you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/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 2023-02-11
Company: EQUIFAX, INC.
State: MI
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX 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 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 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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4800.00XXXX 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 explanation
Consumer complaint received 2023-07-29
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a savings account with Citi Bank. I transferred {$10000.00} into the account from my XXXX checking account. The deposit was made immediately and a few days later the funds were available for use by Citi Bank. I attempted to transfer online {$5000.00} back into the XXXX account where the money originally came from and the system would not let me and told me to call Citibank. I called Citibank and was told I would need my ATM card and PIN number to transfer money. The ATM card is in the email and had not arrived yet. 

I then went back into the online system and tried to transfer {$1000.00} back into the same XXXX savings account where the money came from and the system allowed me to. So I made four more {$1000.00} dollar transfers, for a total of {$5000.00} in online transfers, all back into the same XXXX account the money came from. 

On XX/XX/2023, Citi Bank closed my savings account for fraud. I called them, spoke with a supervisor and was told there was nothing they could do for me. Told me they would mail my balance to the address on record in 60 days. I asked to speak with higher level supervisor and was told goodbye and they hung up. 

This entire thing is ridiculous. Close the account, fine but to hold my money XXXX is beyond the pale.

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 2023-02-11
Company: Receivables Management Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX less than {$500.00} are no longer to be reported on consumer accounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XX/XX/2023 {>= $1,000,000} received adverse action letter. i responded back in red ink. i also noted to them that my application was a security collateral / interest from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have the right to credit. This is my security collateral i want to utilize. 
If i cant use my security this is security fraud. if i am declined where is my security interest? 
If i continuously declined i am suppose to get line of credit for the amount applied. 
I do not accept this offer. 

I responded with affidavit fact stating that they failed to follow federal laws .Their policy states they participate in federal equal credit opportunity act. They havent provided enough evidence on their decision. This is discrimination. I have the capacity to enter into a binding contract. i also stated that my application was rejected by either a general manger or system they have in place and that i demand a manual review or evidence that they have the authority according to Federal Laws and Regulations to deny me the right to credit or extend credit. The applications ask me question about my employment, my age ( DOB ), race, etc .... i have my rights according to Consumer Credit Act that prohibits creditors from denying any right, benefit, or privilege. I also told them don not ignore this notice they have 5 days to respond back certified mail if they do not respond their silence is validation the claim of discrimination against me Done in Good Faith ucc1-308 without prejudice all rights reserved by : XXXX, XXXX for XXXX XXXX XXXX ( without recourse ) they responded that they would continue with their decision of denying me an extension of my credit. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Submitted complaint about the issue through CFPB XXXX XX/XX/, complaint XXXX. LexisNexis still has not responded to to myself or CFPB as of today, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We ordered flooring from XXXX distributor XXXX XXXX CA on XX/XX/XXXX, paid a deposit of XXXX with a credit card. The salesman was supposed to send us an invoice. We received an email XX/XX/XXXX with all the appropriate information of our purchase, invoice etc requesting the remainder amount XXXX  due via wire or ACH. This amount was transferred from XXXX XXXX to the account for the company with Chase bank on XX/XX/XXXX. We were notified on XX/XX/XXXX by the salesman, that he may have been hacked an the email was a scam to not transfer money. He mentioned two other clients were involved ( eventually got money back because they were local ). We were abroad, so filed recall complaint on XX/XX/XXXX with XXXX. We were told to give 5-10 business days. Also filed complaint with XXXX XXXX, FBI XXXX. We have been in touch with XXXX almost daily to follow up. We were informed they can follow up after 10days. My wife spoke with owner of the company, on XX/XX/XXXX, who went with her to Chase to see if anything can be done. Chase informed that they respond within 8 days and then close the inquiry. So, another fraud complaint was filed with XXXX. My wife followed up again XX/XX/XXXX with both chase and XXXX Chase informed her they don't see anything, XXXX  would have to send swift message. She called XXXX  who informed since it's a wire fraud they don't send swift message, recall through wire message. Neither bank is willing to talk to each other, seem like each has a different way of handling the situation. While this happening, we are not getting anywhere, while financially stressed due incurring project costs since the material is not delivered, and as such emotional stress of no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On the last week of XX/XX/XXXX I opened a XXXX credit card with chase bank because they offered a promotion of XXXX dollars statement credit if I spent XXXX on the first two months. So I did use the credit card to pay for some XXXX tickets on XX/XX/XXXX they charged {$49.00} as credit card fee. I paid XXXX dollars for the tickets plus XXXX on a different transaction to complete the XXXX dollars requirement and as of today XX/XX/XXXX they havent applied the credit they promised on their ad and every time I called they said they will check and have me call back even when their agents confirm that I should get the credit. Last month I paid whatever amount I owed besides those XXXX dollars credit to avoid paying interest on it but they will keep charging interest. I feel like I was deceived by Chase Bank because I didnt need nor want their credit card and the only reason I got it was because I thought I would save some money by doing it but in the end is costing me more on interest and by the time they decide to apply the credit they promised if they do it I probably would not have saved any money anything at all and may be pay more than if I had paid with my other credit card. Not to mention that now Im stuck with a really high interest credit card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and HUNTER WARFIELD, INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Mortgage Research Center, LLC
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied online for a line of credit. Veterans United Home Loans immediately denied an extension of my credit. This is 2 violations of ECOA/ Regulation B, by denying me and further discouraging me from applying for an extension of 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 explanation
Consumer complaint received 2023-07-27
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On or around XX/XX/2023 I lost my Prepaid debit card. I last used my card on XXXX { {$16.00} } earlier that same day, I went to the gas station that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed a dispute but it didnt include all charges so another dispute had to be filed a day later ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX { {$20.00}, {$50.00}, {$20.00} ) XXXX XXXX XXXX XXXX XXXX totaling over {$2000.00} approximately XX/XX/2023 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud { XXXX } And stated no error occurred and I would not be receiving any refund from the dispute I filed. The agent sent an email to me this all occurred today after I filed a XXXX  complaint the bank decided to retaliate for me asking question.I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair. The agent told me that they determined since I filed a dispute for charges I didnt conduct after my paychecks went into the account that I mismanaged this account or caused account abuse when I asked for explanation as I havent violated any terms and legitimately didnt make these purchases the agent told me that they feel Im a high risk because I filed a complaint. This feels like consumer abuse and again NetSpend intentionally withdrew the money and then blames the consumer and when you question them about it they immediately close the account and say you are high risk.

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 2023-08-03
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2023 I mailed a registered security to XXXX XXXX trustee of XXXX XXXX XXXX  instructing them to credit the account with the registered security that I properly endorsed per 30 CFR 328.6, to sent security to the treasury for a marketable security and to transfer that marketable security to my treasury direct account that I specified in the instructionals that was sent, that they received on XX/XX/2023 ( tracking # XXXX ). I also instructed XXXX XXXX to credit my account accordingly every month while under this contract. The company never credited my account with the security and coupon that was issued to me. This notice is for past, present, and future securities and coupons while under this contract. If payment is refused, lost, or destroyed there is discharged per UCC 3.603-3.604. I never received a response. I had to find her email and email them and got a response saying " BNY Mellons role as a trustee or paying agent is in the context of certain investments owned by investors and not individual personal debt. BNY Mellon does not service or have authority to service any related debt. The servicer is the party who is required to service all related debt, which includes, among other things, responding to consumer concerns about such debt and any charges or associated fees. " On XX/XX/2023. They claim that this is a personal debt issue when really this is an investor issue. I signed the note and they securitzed it and I am owned interest on them doing this. On XX/XX/2023 I sent out a opportunity to cure saying for XXXX XXXX to please respond back in writing within XXXX business days. If instructions are not completed, I instruct XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties and to follow the directions of my 1st letter. They received on XX/XX/2023 and still have not gotten a response nor have they did anything I request in my 1st packet i sent to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a notification from a credit monitoring company that on XX/XX/2023, someone opened a new credit card in my name ( or my maiden name ) at Best Buy. I did not open a credit card at Best Buy. On XX/XX/2023, I got a voicemail from Best Buy saying that they tried to send me mail but it was returned as undeliverable. I called Best Buy and they told me the fraudulently opened credit card has a balance, but they were going to close the card because of my fraud report. I don't know anything about the person who opened the account, although they apparently had my phone number as well since Best Buy contacted me.

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 2023-08-03
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
In XXXX of XXXX I purchased a XXXX XXXX XXXX from US Auto Sales located in XXXX, SC. I was reported late only once when I was put on leave from work due to a difficult XXXX. In XXXX of XXXX I was notified via email that I would now need to start making my payments through Westlake Portfolio. Prior to the due date of my first payment I contacted US Auto Sales regarding my warranty and the process to start a claim due to an ongoing service issue with my vehicle but was redirected via IVR to Westlake. I spoke w/ a rep who informed me ( in so many words ) that my warranty was void, they were not responsible for it and I would not be able to have my car serviced under my warranty but that my payment amount would remain the same. I received my first correspondence via mail from Westlake 3 weeks ago threatening repossession and after speaking with an attorney I paid Westlake {$270.00}. Another payment was submitted to them on XX/XX/XXXX, in the same amount, and on XX/XX/XXXX I woke up to find that my car had been repossessed. I contacted Westlake who could provide NO information as to what company had taken my vehicle or where it was and stated that I would have to pay off the car in full before it would be returned. They stated they had no record of my previous payments. I'm a XXXX  mom of a XXXX XXXX old and worked extremely hard to purchase that vehicle only for it to all be a waste.

Company response to consumer: Closed with explanation