BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Affirm Holdings, Inc
State: MD
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a loan on my affirm account to be used in XXXX XXXX XXXX XXXX, in XX/XX/2022 my total amount for the purchase was {$230.00} of which my monthly payments would of been {$22.00}. I paid the 1st installment payment in error as I was paying off my TOTAL Affirm balance off of over XXXX with the exception of this particular loan in which were RETURNED a week after purchase to the XXXX XXXX XXXX itself ( I'm still owed the sum of {$22.00} ) I submitted the return receipt to affirm as they asked waited 14 days, still no credit to my account, yet was expected to still pay on this loan of which I no longer owed. I have emailed, and called and visited the XXXX XXXX to which I haven't gotten much help there either, it's their word against mine XXXX XXXX say the return receipt is efficient enough and they will not call Affirm. AFFIRM says XXXX XXXX did not do a return therefore I must still pay them. I'm so frustrated as I am rebuilding my credit and feel taken advantage of, I am getting nowhere. Affirm has reported it to credit bureau as a delinquent loan. This has been a nightmare. When you call affirm they tell you NOTHING of substance, I'm going in circles here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt.

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 2015-06-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the message below was sent to chase XXXX XXXX foreclosure mill aka oh XXXX loan default manufacturing center within chase bank aka loss mitigation unit run by former bear stearns execs including the former ceo. 
pursuant to OCC sanctions on former XXXX ceo execs and other former XXXX execs in jp morgan chasebank oh XXXX loan default management group foreclosure mill default manufacturing unit this cease and desist notice is as follows as a JPMorgan chase stockholder and JPMorgan chase misconduct whistleblower to uscfpb. see below1. Cease and Desist calling me from exec offices of chase unit XXXXXXXX that violates the national mortgage settlements for only contacting me by the principal point of contact XXXX district XXXX XXXX chase v.p manager and no one else2. cease and desist keeping this current loan number that I never applied for in loss mitigation since it is not related to original erased by chase bank to evade dodd frank act original bear stearns loan beginning withXXXX. new loan terms include adding balloon payments in XX/XX/XXXX ranging from $! # XXXX to $ XXXX depending on chase source.these loan terms were added to as a loan modification and or new loan origination without any application from me with no loan docs and no settlement and to letter of rescission already submitted to XXXX XXXX via secure email and us cfpb notice of complaint. 
3.cease and desist sending me mortgage statements with falsified by chase mortgage e balances since XX/XX/XXXX transferred from emc XXXX chase with and XXXX years taken off repayment period turning a XXXX year loan on mortgage statement to a XXXX year loan. 

cease and desist confiscating my mortgage payments and escrow funds under camouflage of loss mitigation and per occ sanctions notice money laundering my payments XXXX or other XXXX chase subsidiaries and then trying to manufacture loan defaults by not applying payments5. cease and desist colluding with XXXX loan management services to manufacture defaults using forgery docs produced by chase forgery factories which I have in my possession sent to me by chase whistleblower employees. 

6. cease and desist using my escrow account to manufacture defaults by raising my payments while not applying over {$2000.00} in escrow funds from five future payments already made as shown on chase mortgage website for this manufactured zombie loan that has no loan docs ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made unauthorized transactions from my checking and savings USAA accounts. I did not have access to my USAA account in XXXX XXXX it does not work so there was no way I could make the transactions. I contacted the bank to inform them of this situation. USAA bank customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account remains negative. I sent in all my supporting documents and the police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from IC Systems stating that I owe over {$1000.00} for a debt from when my son was born. When they first contacted me, they had an address on file that I had n't lived at for years. They also gave me a medical group that I have never used, but they used my sons doctors name who has also never worked for that medical group. I have repeatedly told them this is not my debt. I have contacted my sons doctor asking about this, they know nothing of it. I then called the hospital where I had my son. They also have no record of this. Both the hospital and sons doctors office say they have never used IC Systems as their collection agency. IC System is stating that my son did not have insurance for the first 3 days of life, but I called his old insurance and he did. They have not had correct information for a few things and I have been reserved about giving them more information because I stupidly gave them my current address the first time I talked to them before knowing what they wanted. They will not stop calling and I have told them I disputed the charges but they still say this is my debt. I never check my credit report but once they contacted me, I checked at once and found that this is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: PA
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:
According to Federal Law 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have submitted all above information to Equifax due to the occurrence of identity theft on my consumer report, They did not remove the inquires I attached in my letter within 4 days. 

I have attached all documents that I included in the correspondence to them. 

I am a consumer and I deserve to be treated as such, that being said Equifax is in violation of the above sated Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was sent to Merchants collection agency for a surgeon bill. I did not know I was sent to Merchants until I reached out to the surgeons billing department to ask them why I hadnt received a bill in some time. I was making payments to the surgeon, just not the amount they wanted. They notified me that I had been sent to Merchants. I continuously receive calls from Merchants and they do not state who they are or what they are calling for. I have not received any mail to validate that they are trying to collect a debt or what they are trying to collect, just phone calls with little to no information. I dont feel comfortably discussing anything with them over the phone until I receive some form of verification in the mail. Thank you for your help!

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 2016-10-05
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This comapny calls me every day sometimes twice per day I have no idea who they are or why they are calling me they do not leave a voicemail when I miss thier call

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 2016-05-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: NATIONS LENDING CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Yes I call XXXX XXXX at National lending corporation at XXXX out of XXXX Ohio, to do a home equity loan!! He Made a soft inquiry on my credit and said it wouldnt hit my credit. So after he called back and told me that the interest was to high for that type of loan he tried to get me to do a refinance and I told him I wasnt looking to do that becuase I had a great rate now. But I guess he took it into his own hands and still went own and mad a hard inquiries on my credit to go for a refinance, thinking I would go for it if I seen these papers. I made it clear I didnt want No refinance so why would I run a hard inquiry on my credit to lower it. So what I want is this off my credit is all I want. Thanks so much for yall time File # 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 2021-06-18
Company: EQUIFAX, INC.
State: MN
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:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had someone access my online banking account through USAA, on four different occasions ( XX/XX/XXXX, XXXX ) they transferred money into my account in the amount of XXXX $ from a XXXX XXXX XXXX based out of XXXX, Iowa Routing XXXX Account XXXX USAA then credited the funds to my account while the transaction was pending, the person with access then transferred the funds out of My USAA accounts to an XXXX bank based out of XXXX, West Virginia XXXX XXXX Account XXXX The Funds that were pending then turned out to be declined so USAA took those funds they credited back from my accounts even though the money was no longer there I am now XXXX dollars in debt. 
I have spoke to USAA multiple times and they are saying that I am liable for this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a copy of all outstanding, outdated information along with unauthorized inquiries to XXXX, Equifax and XXXX XXXX requesting the removal of the above items and it's been thirty days and I haven't received any reply or letter back from any of the agencies in a timely manner based on the CFPB reqirements under the law I reviewed my credit report and came upon and some alleged Inquires. I do not recognize the accounts/cases names for what it is. Therefore, I am demanding under the FCRA # XXXX you provide me the following : Proof I initiated the inquiry, Permissible Purpose, Written Authorization ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: JPMORGAN CHASE & CO.
State: PA
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 have a credit card account with chase showing on my credit report that doesnt belongs to me. Im sure this account was fraudulently opened and I have try to dispute this incorrect information with the credit bureaus and have not heard anything back regarding this issue. Ive even filed an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
THIS IS NOT A NEW CASE. THIS IS AMENDED ISSUES THAT I AM HAVING FROM CLAIM # XXXX. Wells Fargo has their employees calling my cell number leaving messages to contact them, which i do and no one extension is working. XXXX calls me from the XXXX office and left this number XXXX for an extension of XXXX, everytime I call that extension it says that it is unavailable. why would a bank give out extensions that is not working. The other employee 's name is XXXX from the sage team at the bank. It is The Resolution Department which he gave me the number XXXX with no extensionwhom I have left messages and never call back. hopefully he will call me today. Wells Fargo has their employees lying and stating that the issue did not happen until XXXX when they without my authorization nor my knowledge place money into my checking account when I specificially told XXXX in the executive office and XXXX XXXX at the XXXX branch in XXXX, Ga. that I have my money back and the only issue Wells Fargo has is to cancel those cash advance fees and to reimburse my non- suffient funds that was charge against me. Now Wells Fargo is punishing me for their own mistake. no, I am not going to make the payments on the credit card in which they are charging me for my own money with interest and their money with intererst on the credit card., The card is over charged and until it is correct and the front and back of their XXXX XXXX # XXXX and XXXX. I have been requesting the copies since XXXX XXXX, no one will give them to me, The employees I have spoken to today is XXXX, XXXX, XXXX who has to give it to XXXX. This XXXX is telling me to send him all the information all over again from XXXX of XXXX to now because he does not know whta happen and he is going to deny any claims. although this jerk had the nerve to tell me what he has read is true, Wells Fargo does nothing but lie. This bank has taken my money and placed it on the credit card as a charge on them. I will not pay this corrupt bank my money. all the money they have stolen from me and have not paid it back.

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 2016-09-18
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I opened up a Citigold checking account on XX/XX/2016 a promotion stating I would receive XXXX XXXX XXXX Advantage miles ( worth approx. {$500.00} ) after meeting XXXX requirements. 

I then met those requirements. I then called XXXX different Citi representatives who confirmed that I met those requirements and was guaranteed XXXX XXXX XXXX Advantage Miles to be deposited into my account by XX/XX/XXXX. 

Through this time I was charged two monthly service fees of {$30.00} each. After confirming this promotion was applied to my account, that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX Citi has refused to honor my points. 

I used my debit card for the purchase portion of the promotion on XXXX/XXXX/16. I messaged Citibank before making the debit purchase to confirm my purchase would be valid for the promotion. After months of waiting and without notice, Citibank decided that my {$1000.00} debit card purchase did n't qualify unless I can confirm and present my merchant 's payment coding information. I do n't keep any of my merchant 's payment coding information and no one ever told me to hold onto this information over the last 6 months. I had multiple conversation which confirmed the eligibility of my debit purchase before I made the purchase and directly after. 

During this time I was charged {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX Advantage miles. What is most frustrating is that I called Citibank and they confirmed I met the criteria for this promotion two times. 

There are hundreds of people in the same situation as me. I 've talked to other people online who have had the same problem. It is not fair from citibank to guarantee something and then take it away randomly. Citi has lied to me and and taken my money. 

I have to pay my services fees and my part of the contract, but apparently Citi does not have to pay theirs. This is totally ridiculous and someone needs to do something. 

Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over 18 years of age, and I had never before held a consumer checking account with Citibank. 

Thank You

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 2016-04-19
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been locked by Citibank for over a month. 
I was advised to go to a branch to get it settled but they have no branch locations. 

I call customer service and was told my account was under review and they have decided to close my account with in 60 days. 

I have written letters requesting that they not close my account as I have had an account with them since XXXX or so with no over drafts nor excessive usage. 

I have a checking account and Instant loan account which I also never use and a brokerage account. 

I also have my XXXX account attached to the account. 
I can not use my debit card which I don't use but I do use the XXXX. 
XXXX says I have to contact the bank to get them to release my phone and email before I can attach it to another bank. 
All of my XXXX  payments have been verified by the senders and no one has filed any complaints about sending me the funds. 

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