BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-20
Company: CITIBANK, N.A.
State: PA
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:
I received a fraud alert from CITI on XX/XX/XXXX about a transaction in the amount of {$690.00} on XX/XX/XXXX which I did not originally recognize, so CITI cancelled my credit card and sent me a new one ( my current card ). A few days later, I learned that my granddaughter to whom I had given permission to use my card, had used it to make that {$690.00} purchase ( XXXX XXXX order no. XXXX ). So I called and informed CITI that the {$690.00} charge was legitimate. This charge correctly shows up on my XX/XX/XXXX statement as rebill cm accepts ( XXXX ) and of course I am not disputing it. 

Also, at about the same time, on XX/XX/XXXX, my granddaughter cancelled the order and got an acknowledgement from XXXX XXXX. Subsequent to this, XXXX XXXX credited 75 % of the {$690.00} charge ( amounts to {$520.00} ) instead of the full amount as the product had already shipped and their third party retailer policy was to charge a 25 % restocking fee ( amount of {$170.00} ). This is the credit of {$520.00} which shows on my XX/XX/XXXX statement. 

Subsequent to this, upon my complaining about having to pay the {$170.00} restocking fee, XXXX XXXX sent a XXXX XXXX gift card on XX/XX/XXXX to XXXX XXXX as she is the one who had placed the original XXXX XXXX order no. XXXX. 

Therefore, the {$690.00} amount was fully refunded through a credit of {$520.00} to the CITI Card and a Gift Card for {$170.00}. 

There is no purchase in the amount of {$520.00} from XXXX XXXX or any other merchant for that matter. As such, the charge of {$520.00} on my XX/XX/XXXX statement is in error and I am disputing it and asking for an immediate credit in the same amount. 

I urged CITI to contact XXXX XXXX to verify everything I have explained and to contact me if further information was needed. 

I have repeatedly called and wrote a detailed letter, attaching all relevant information but CITI has not responded and the issue stays unresolved. 

I want CITI to credit the {$520.00}.

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 2022-03-15
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section XXXX A. XXXX I have the right to privacy. 
15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-09-21
Company: Ditech Financial LLC
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to ditech corporations it 's now on my credit report as a tax right off need it taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Credit Systems International, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already paid this debt on XXXX/XXXX/16 directly through the creditor 's website and they continue to report it to my credit as unpaid. I have proof that it was paid and I have tried calling the credit collector numerous times but the number they list on their bill always sounds " busy ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Salllie Mae has a fraudulent account on my credit reports since 2005. Sallie Mae is false credit reporting to keep this on my credit reports. I am not aware of this loan. It has been on my credit reports since 2005 which makes that on my credit report almost 11 years in which according to fair credit reporting, time for deletion as far as the time frame is calculated from the last payment date history in which there is none, never paid on this, so that would start from 2005. I can ask for the XXXX credit bureaus to delete. I have never paid on this unknown account, again that makes no payment history from initial reporting 2005 until now. So that alone the account is eligible for removal with no payment history. Sallie Mae needs to stop falsifying information.

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 2021-04-20
Company: Specialized Loan Servicing Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX, XXXX in XXXX, Colorado has reported me late on my mortgage 120 days. 

This is not true. 

They also reported that my mortgage was restructured the first of this year. 

That is also not true. 

Their incompetence has cost me over 100 points on my credit and this is not the first time they tried this. They are trying to go legit but are so horribly incompetent that they can not handle mortgages. I will be reporting this story to whomever I can find in the government and also to the Oregon Department of Financial Regulation. 

I have never been late with a mortgage payment in reality but with this " company '' I have been twice. They reported me over 7 years ago for being late which I fought and was able to prove that they just did not post my mortgage payment. 

I called this morning after not sleeping all night and they have to have a manager call me back sometime today. Well I work for a living and why can not the manager that was texting with the person I was talking to call me back now? Great customer service SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The senior loan officer assigned to my refinance leaves much to be desired regarding his professionalism and customer service. When I ask him to give me a call because we are not aligning on a request that he's made where I think it's duplicate because I've furnished everything as he requested, he refuses to call. When I ask to withdraw my loan because I don't feel as Carrington Mortgage wants or values my business, he replies with 'It 's up to you, let me know ', confirming my suspicions. I feel that I have to chase him down to get this loan to close and I've already had my credit pulled and paid for the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency in question is Creditors Discount and Audit. XXXX. 
in XXXX, ILThey contacted me about a medical bill from XX/XX/XXXX. The amount was {$400.00}. I told them I ha no idea what that was for because I had insurance back then and being that it was a lot of money would tell me maybe some tests were run, etc and I had no tests done. I asked them to send me something showing me what the {$400.00} was for. .On XX/XX/XXXX I spoke with a XXXX there. She said she would send me copies showing what this was for. On XXXX/XXXX/XXXX I had still not received anything si I called and spoke with a XXXX there and he faxed me what he had. What he sent me was a statement showing all of the payment that I had made over the years to this doctor. I called back on XXXX but this time I spoke with a XXXX. I explained that what they sent me does not say what I was seen for on that day. I need to see the detail not a statement. She told me that is all she had and that I should call the doctor. I called XXXX who is the doctor 's bookkeeper. I left her a message on XX/XX/XXXX that I need some detail. Never heard anything. Called again and spoke with XXXX and she could not provide any detail that I needed to call the collection agency. So the collection agency is telling me to call the doctor and the doctor is telling me to call the collection agency.I had talked toi the supervisor at the collection agency but I ca n't remember what her nae was. She basically told that that 's all they had and that it 's too bad that we do n't have any more detail but I still needed to pay the bill. I said put yourself in my shoes would you pay {$400.00} for something that first of all is incorrect and second nobody has told you what it was for. She was rude and just had a tuff luck attitude. She said she was going to report it to the credit reporting agancies and I told her that I know my rights and you can not do this. Since then it is now on my credit and they assigned to an attorney!. This is not right! How can this happen? That bill might not even be mine ... what if they billed the wrong patient? Now its ' affecting my credit and that needs to be removed. I am also disputing this with all XXXX credit agencies. Please do something. A lot of people do n't realize that they can stand up to these people and they end up paying something because they are threatened that its going to an attorney and going on their credit report. The doctors name is XXXX XXXX in XXXX il.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, 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 2020-03-07
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MN. XXXX SSN : XXXX Date of birth : XX/XX/XXXX Date : XX/XX/XXXX Dear Sir/Madam. 

I would like to investigate the accounts listed below as it is not reporting on my credit report. I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Creditor : Account Number : XXXX XXXX XXXX XXXX Please forward me an updated credit report after you have completed your Investigation and corrections. 

I would like to see my payment history this account. Can you please send it to me. 

I wait your response, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian I would Like for you to please answer a very simple question. basically a yes or no answer Do your company keep the original consumer signed contract on file at your XXXX tx site or wherever you guy 's report consumer 's info?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently out of the Country and have had my account blocked. Prior to traveling I contacted Chase twice via phone and asked if I needed to notify them that I am traveling and they specifically told me I didn't need to let them know and that I would have to problems. Now that I am in XXXX my account was blocked by their fraud department. I contacted them and they told me that I had to physically go into a Chase Branch and verify personally. I am in a country with no Chase Branch 's so how can I go into a Branch? I have spent literally all day on the phones, have even contacted someone in a Branch back home. He is trying everything but even he is getting blocked. 

This is unsatisfactory to say the least, does this mean that when I travel Internationally I loose access to my funds? I have even sent photo 's of myself holding my passport to the Branch Employee back home and he tried using them but was told that wasn't authorized. 

So as it sits my account is blocked, I am in a 3rd world country and Chase has an impossible requirement to gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRUIST FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Was going thru divorce in XXXXfiled bankruptcy..I was also helping my kids with college expenses before getting my 100 % total and permanent and had a daughter on XX/XX/2021 then my son was born XX/XX/XXXX XXXXMost of my issues have been resolved just need help with my mortage..i was hoping that I could get the money owed added to the end of the loan..been hard worrying if I'm gone have a place to stay..

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 2018-05-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated 2 ACH outgoing transfers for {$50000.00} each. 
Meaning {$50000.00} twice + {$100000.00} would go out from my account on XX/XX/XXXX into another institution! 
I also called a rep to make 100 % sure I did everything right, and was told all is good and it'll leave same day since it was initiated before XXXX Im summary, after the {$100000.00} leaves my account I would only have a few hundred dollars left. However at night a fraudulent judgement ( I never got served, and I have proof I paid for the debt ) took out {$75000.00} from my account causing me to XXXX  and take XXXX  steps which were prevented by a family member. 

I called HSBC informing them it's fraud. But there's no one to talk to which is common in the banking industry! 


What HSBC failed to understand is when a judgement is entered into your account, they can only take the amount that's in the account, even the judgment is for more that doesn't mean the account can now go negative just to satisfy the judgement. 

In my case HSBC first canceled one of my {$50000.00} outgoing ACH on the assumption it's a mistake, although never called me to ask. Then the {$50000.00} ACH did out out, but only one time {$50000.00} ( and HSBC is fully liable for canceling the 2nd ACH ) and after the {$50000.00} ACH went out from my account this fraudulent default judgement for {$75000.00} went out from my account and HSBC honored it which as a result caused my account to become NEGITIVE. And as a result of my account being negative HSBC suspended my account, my line of credit and my credit card ( which will have a bad impact on my credit ). Then I called HSBC they said the ned to verify my identity and requested identification I TOLD THEM THAT I ALREADY SEND IN ALL THOSES THINGS WHEN I OPNED THE ACCOUNT, AND THEY SAID THEY DON'T HAVE IT so it's good to have on record that HSBC violated the patriot act, and only LATER requesting documents to comply with KYC. 

And as I write this, I have this fraudulent {$75000.00} out of my account, my account is restricted, line of credit restricted, credit card doesn't work, and I have no idea what's going on, the representatives don't even want to tell me my balance, their accusing me of fraud instead of protecting me in such a situation.

AND WORSE OFF ALL, IF HSBC WOULD HONOR MY TWO ACH REQUEST I WOULD OF NEVER LOOSE THIS {$75000.00} ( I might anyways not loose it, as I'm taking an attorney to fight this fradulent t judgement, but unril then I'm out {$75000.00} and this would of  never happened of they honored their duty to fulfill my ACH transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: AR
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 have made numerous disputes and Method of Verification requests and Equifax Credit Reporting will not comply. I do not believe they are even investigating and just using the E-Oscar database. I have plainly asked for their method of verification of how they are verifying the completeness and accuracy of what they are reporting. They keep responding back ( They verified that the items belong to me ). I have enclosed some of my past dispute letters and method of verification requests and I still can not get them to comply. 
The alleged debts are being reported by the notorious XXXX XXXX XXXX. 
Their reporting has been detrimental to my credit scores and has caused me great financial and mental distress. 
What can I do to make them at least do their job as required by the FCRA and comply with my requests or delete the items I disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Was rebilled for the amount of XXXX on my XXXX credit card and I accepted the delivery of the item but I return it back to XXXX and the package is taking too long to get to XXXX and I shouldnt owe this bank a dime.. 
I will send the image of the return tracking number and if I get negative on my credit report I will take legal actions against well Fargo .. once again Ive been rebilled in the amount of XXXX and I closed this account.. I return the watch back to 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 monetary relief
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am writing again in regards with the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 
XXXX XXXX XXXX XXXX Balance : {$29000.00}

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