BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
As of XXXX and XXXX XXXX has nothing about the fraud charges on my account. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] XXXX DOB XX/XX/XXXX LIC : XXXX NEW CARD NUMBER : XXXX XXXX XXXX To : American Express Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Dear Serve Customer Care I am writing to let you know that your Credit Card company has not done a thing in the fraud charges on my account with XXXX XXXX from XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX of {$49.00} XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX  for {$3.00}, XX/XX/XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX  {$27.00}. This is amazing!!! Never did any business with these Merchants! Please help. 
I have called over 20 phone calls to your company call XXXX XXXX ; they have completely refused to send any validation of any receipts nor any evidence of transactions that took place on his account! 
The customer service is a very big problem located in the XXXX XXXX  which is absolutely horrendous quite frankly disgusting where they do nothing in that country in XXXX XXXX! 
Then you state to the issue and they do absolutely nothing help you and then they disconnect your phone call! What a Joke! 
As of XXXX, the XXXX XXXX we have no evidence from American XXXX  card that these charges were fake by a unknow merchants and not legitimate, and they denied the investigation and kept the money installed from the customer. Please see attachments. 
I would like to have the people in charge of investigating the fraudulent charges immediately fired from your company. 
You can contact me anytime my mailing address or phone number, but this is quite frankly discussing how this whole thing is developed and there has been absolutely no help in this matter. In Final the inquired done by American XXXX  did nothing! About your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Is a False Statement XXXX sign of laziness by this pathetic company that is in the XXXX XXXX and there has not been one American person that is looked this thing over in the United States of America it is quite frankly disgusting that these issues get sent overseas! 
Statement from a Unknow person in XXXX XXXX XXXX : Therefore, the transaction ( s ) is not eligible for credit to your Account. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 
This is sign under the penalty of perjury of the fraud charges place on my account with no evince of my signature nor any consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
During the process of preparing to close on a mortgage loan, I discovered Comenity Capital Bank ( Utah ), is reporting in error That I still owe {$6700.00} dollars and has stopped reporting credit activity since XX/XX/2022. 

They said they are implementing a new payment platform and will not report any payment activity for cardholders. 

I have a XXXX balance and owe nothing, yet it appears on my report to the three agencies as though I maxed out my credit card and have not made payments since XXXX. 

Now the loan officer said this is tremendously hurtful to my credit and will cause me to pay more points and pay higher interest on a mortgage loan. I have contacted repeatedly and begged for them to report accurate payments and although they agree that I have been an excellent customer there is nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Card was charged for something without my authority, merchant sent a copy of their invoice ( which is CLEARLY not mine ) and yet the credit card company reversed the charges.

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 2016-06-21
Company: REGIONS FINANCIAL CORPORATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Regions Bank XXXX for many years. I moved XXXX XXXX XXXX, XXXX. Shortly after my arrival XXXX I closed the Regions Bank account, but not before making sure there was nothing oustanding -- there was a zero ( XXXX ) balance. 

About 6 weeks ago, approx. 1 and 1/2 years after I closed the Regions Bank account, I receive a phonecall from a collection agency saying they are trying to collect a debt I owe to Regions Bank, as a result of closing the Regions Bank checking account. In the 1 and 1/2 years since I moved, and closed that account, I have " never '' received any type of notice from Regions Bank saying that I have a debt with them. I received all of my " forwarded mail '' from every other company I did business with XXXX but never Regions Bank. In fact I am quite sure I gave them my new address upon closing that account, and still, I never recieved anything hinting that I owed them a balance on the closed checking account. 

While speaking with the collection agency rep., I asked her to provide proof that I owe Regions Bank money. I have never received that proof -- nothing. I also asked if this " debt '' was reported to the credit bureau by Regions Bank or the collection agency. I have never received an answer to that question either. 

So, approximately 6 weeks after I recieve the phonecall from the collection agency ( the first communication regarding a debt owed Regions Bank since XXXX ), I receive the first paper bill offering vague details about this alleged debt. I have attached/included a copy of the bill/notice I received by mail XXXX XXXX, XXXX. 

I owe Regions Bank {$0.00}. I was quite careful when closing that account and closed it with a {$0.00} balance.I will not pay this bogus bill -- I will not have this {$22.00} extorted from me. 

Regions Bank needs to notify me that this bill was a mistake, that the collection agency will not harass me again over a bogus bill, and that this does not appear on my credit report. Period.

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 2016-08-26
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016 I disputed {$170.00} of a {$520.00} on each of XXXX tickets. I was downgraded to coach on the fights. Per letters dated XXXX XXXX, 2016 and XXXX XXXX, 2016 the credit card company reversed the {$170.00} disputed amount on the XXXX charges based upon discussing the issue with the airline and the airline saying that would credit {$110.00} per ticket. Even thought the credit card company reversed the {$170.00} in disputed amounts on all three tickets, I have only received the {$110.00} on XXXX of these XXXX credits. The credit card company also stated that they would " continue to request credit '' for the amount if I did not respond by XXXX. Since I agreed with credit was reasonable, I did not dispute the proposed credit. I did I give the credit card company a reasonable time to get the credits on my account. In XXXX I sent them a letter stating that the credits have not been applied yet. On XXXX XXXX Citibank sent me a letter stating that they would no longer pursue the claim and closed the dispute because I did n't respond by XXXX even though they stated that they would " continue to request 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 monetary relief
Consumer complaint received 2022-11-01
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently reached to Midland Credit Management about some accounts # XXXX, XXXX, they are reporting to the credit bureaus without my consent, signed SSA 89 Form, and are also due to identity theft/fraud. I never received documentation nor opted for any of personal information to be shared while never having any contractual agreement with Midland Credit Managment. This inaccurate reporting has since caused future and previous denials of credit and is having a significant impact on my credit worthiness. Due to my privacy and consumer rights being violated which is clear form of Identity theft/ ( MY PERSONAL INFORMATION BEING USED ALONG WITH MY PRIVACY BEING EXPOSED WITHOUT MY CONSENT, I am requesting these accounts to be removed immediately from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: Atlanticus Services Corporation
State: FL
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:
Starting From XX/XX/2020, this company named XXXX has been reporting to my credit with charge offs. I was a victim of identity theft around that same time. I filled the identity theft form, completed a police report, and submitted my information to all credit bureaus. The only credit bureau that continues to report this false account to my credit is XXXX. I have contacted this supposed company, I can never have access to the fraud department. I have sent letters showing the names do not match. It is not my account, they have sent payment statements of up to {$1000.00} transactions, which are places I have never been. I have called and sent two dispute letters to XXXX. I sent all documents that proves clearly this is not my account. But this company refuses to correct this misinformation, and the only credit bureau that is not corresponding is XXXX. At this point, I am being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Dear Sir/Madam, My bank institution, online bank Current, keeps my funds as pending ( hotel pending charges, several of them ) for almost a month, however their own policy provision XXXX 15 business days in such circumstances. 

I contacted them regarding these isssues many times in the last 7 days and before as well. I also have a transcript of the latest conversation with a customer rep and was told by customer rep that my 3 pending charges over the timeframe obviously. Then customer rep contacted main office about release of these charges and they refused to release. 

I have been having this issues with this bank consistently over the last several months. Meaning I have to contact them in order to get my pending funds released. 

I also have recurrent payments to my insurance company which already have accumulated late fees etc because of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The New York State Supreme Court had dismissed the XXXX XXXX XXXX XXXX in the index number XXXX on Equafax Account # XXXX,. I have enclosed the copy of Supreme Court order.Equifax Has failed and and refused to properly investigate the validity of the XXXX XXXX information even though the New York State Supreme court had dismissed the validity of this wrong information and XXXX XXXX Claim. Why Equifax did not communicate with N.Y.S. Court and further investigate the truthfulness of the information being reported in my credit report knowingly that it would Tarnish my credit report and my ability to receive further finance. They Simply Failed and continue to admit to their mistake under the legal protection afforded to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
From XXXX, XXXX to XXXX, XXXX I acquired private student loans from Citibank Student Loans. The promissory notes for those loans state that the loans are variable interest rate loans. 

The interest is to be calculated, according to my promissory notes, as so ; " The 'Variable Rate ' for each Loan made under the Note is the sum of the Prime Rate published in The XXXX XXXX XXXX under the 'Money Rates ' section for the day which is 30 days prior to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of each year ( the 'Index ' ) plus or minus the percentage, as identified on the applicable Conditional Approval Letter that I received in connection with the Loan ... '' The note goes on to say, " The Variable Rate will change quarterly on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of each year. '' Here is the problem. XX/XX/XXXX the Prime Rate ranged from 7.5 % to 8.25 %. However, the Prime Rate, in accordance with the XXXX as outlined in my Notes, plummeted to 3.25 % in XXXX, XXXX and has held at that rate until XXXX, XXXX. My interest rates on my loans were never adjusted quarterly, as outlined in my Notes, resulting in some cases where I was paying TRIPLE the interest that I was legally supposed to. 

My loan providers did not follow the language of our contract and I have overpaid a tremendous amount in interest due to this mistake.

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 2022-11-01
Company: United Collection Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received notification of a debt that I did not recognize, from a company I did not recognize, with an amount that I did not recognize, on XX/XX/2022. I responded to the letter within 30 days on XX/XX/2022 through certified XXXX mail, disputing the amount of the debt and have not received any information about this collection statement. The collection company, XXXX XXXX XXXX, not only reported the debt on my Credit report on XX/XX/2022 without responding to my dispute, they also reported false information on my XXXX and XXXX credit report, and did not list the alleged account as disputed. 

On XX/XX/2022, XXXX XXXX XXXX, reported incorrectly to XXXX and XXXX that I " opened '' an account with their organization on XX/XX/2022, when I didn't even learn about this information until XX/XX/2022. As I mentioned, this information was disputed through certified mail, copies are available, and there is also no mention of the account being disputed on my credit report. I have also disputed the amount of the alleged debt and they are therefore, violating credit reporting laws stating incorrect information on my public records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX- Made a complaint with CFPB in regards to having complication getting loan cleared. 

XX/XX/XXXX-Received feedback from Ally through CFPB informing me that our account reflected " Paid in Full ''. 

XX/XX/XXXX- Checked Ally app, it reflected that all balances were XXXX and that we owe nothing. We were waiting on an official pay off letter for our records, this payoff letter was requested at the initial complaint and at the time CFPB requested our feedback from the complaint. 

XX/XX/XXXX- Received a notification from Ally that {$70.00} is owed. I have tried to call XXXX the Executive Customer Relations of Ally Bank and have not received a returned call. Based on my experience with Ally it is very complicated to get Ally staff to return phone calls. 

**This account apparently is still open and possibly reflecting on our credit reports. How is it that Ally informed us from the complain that the account has been paid in full but now are asking for more money? We still do not have an official pay off letter on letter head from Ally showing that our account is paid off and that this account is closed.

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 2022-10-14
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 I received a phone call from Rocket Mortgage regarding my deceased parents loan. This was in response to my inquiry of assuming their loan. I asked that I assume this loan according to the Garn-St Germain Act that states I do not need to credit quality as I am the successor heir. The broker XXXX XXXX was hostile and raised his voice on the phone and said that is not the way they do business and when I mentioned that I wanted to check with my attorney, he said get him on the phone now! He then sent over an email stating that I would need to credit qualify in order to assume this loan. 
The bank has requested the credit file for my wife that has nothing to do with this loan. They have refused to comply with this act designed to protect families that have been living in their home when the borrowers dies. I want to assume this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: SUNTRUST BANKS, INC.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly 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 2021-01-15
Company: COMMUNITY BANK SYSTEM, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I received a call from someone clamming to be from XXXX and had made a mistake on a refund that they where doing and instead of giving {$130.00} they gave {$1100.00} and that they needed to go into my computer to go to my bank account to withdraw the money for XXXX. In order to do the refund they had to open a XXXX account and transfer {$1000.00} to XXXX which they did. I contacted my bank, the withdrawal was pending and they would not cancel it they would however open a dispute. 
About the XXXX I received word from the bank that they had determined that the transaction was not a scam therefor I was out the {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I bought my house in XXXX XXXX. My initial mortgage payment was {$510.00}, which I paid for the year. In XXXX XXXX, I received a notice from my mortgage company that my mortgage payment leapt to {$640.00} per month ( apparently due to an escrow shortage. ) After numerous phone calls, I discovered that my mortgage company had charged me {$0.00} for the first year 's property taxes. 

This is extremely frustrating for me as I would n't have bought this house had I known that the mortgage payments would be so much higher than what I agreed to when I signed for my mortgage. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation