BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-19
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Last month I had XXXX dollars in fraud on my direct express card ( the card I get my social security benefits on ). Somebody bought XXXX dollars in XXXX gift cards on my account.. They gave me a credit and then last night took the XXXX out of my account and told me they are not responsible and are not gon na pay me back for this fraud. I am a XXXX single mother with a XXXX son and i need that money to pay my rent. It was very obviously fraud. My XXXX app account is now under some weird name and I have had alot of fraud lately on all my accounts. Please help I don't know what to do. We need this money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the  XXXX   XXXX   XXXX  on   XXXX   XXXX   XXXX  . They (  XXXX   XXXX   XXXX   XXXX  NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with  XXXX   XXXX   XXXX   management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      XXXX   XXXX  has now damaged  my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the   XXXX   XXXX   must be addressed as the rep on the phone on   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    (  and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  hundred  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  XXXX   XXXX   XXXX  repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road .     So, as in my case,  XXXX  hard inquiries were done on my card by  XXXX   XXXX   XXXX  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase.

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 2016-11-04
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our home mortgaged through XXXX in XX/XX/2016. On XX/XX/2016 a refund of our escrow account was mailed to our old address. Apparently the refund check was deposited by unknown person on XX/XX/XXXX. We have been trying for several months to obtain a copy of this check in order to file a police report and start the process of actually receiving a refund. The mortgage company customer service department has given us excuse after excuse or flat out not told us the truth about the missing check or where the copy of said check is. We were last told it was mailed certified to our new address on XX/XX/XXXX. It is now XX/XX/XXXX and we still have not received this. We are respectfully requesting assistance to find out what happened to this refund and to obtain the refund due us.

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 2015-05-05
Company: CITIBANK, N.A.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
my Citibank account was a victim of an unauthorized wire transfer for XXXX.citibank has refused to reimburse me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I'm disputing charges and requesting my Chase credit cards be closed. 
On XX/XX/XXXX, I received an email from Chase Credit Card stating that " your credit card ending ( XXXX ) statement is ready and the statement balance is {$40.00} and due date XX/XX/XXXX. As soon as I received this email, I called Chase and disputed the charges. I told the operator that I did not use this credit card since XXXX of XXXX due to many problems I had with Chase. If there are any charges, they are unauthorized charged. I asked the operator to close my account, but instead, the operator told me that he would send me another credit card. The problems started last year when chase stopped sending me the monthly statement by mail. Then, per Chase 's instruction, I opened an online account, but Chase blocked me from accessing my account soon after I opened it. I have no way to know who is charging me and why I'm being charged. If there are any charges on my Chase card ending XXXX, as alleged in the email, I dispute those charges and request them to be removed from my account. I also request this credit card ending XXXX be closed immediately. In addition, I request that my other credit card with Chase ending XXXX be closed as well. I appreciate your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts/ items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, US DEPT ED XXXX, US DEPT ED 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 2017-01-23
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I responded to an on-line promotion by Regions Bank. There were problems that morning with Region 's web site, so I opened the account in a branch. A branch employee did not open my account correctly and now Regions Bank is not honoring the promotion.

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 2022-07-06
Company: AMERICAN INTERNET MORTGAGE
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have been working with Aimloan.com for ~2 years. I have reached out to them 7 documented times in the last 3 months in an effort to remove my PMI. I continue to get the run around. They ask me to fill out paperwork, which I do, but will not process my request to get a formal appraisal completed. They then told me to send them an email and told me what to put in said email. I do that and their reply in the email is to call the XXXX number that I've already called 7 times!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like 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 explanation
Consumer complaint received 2018-02-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Complaint regarding ChexSystems, Inc The 'Inquirer being XXXX XXXX XXXX XXXX , of an Inquiry Date of XX/XX/XXXX. The Reported Information from Check Systems in Form Request prepared for XXXX XXXX XXXX # XXXX. 

The Escalated ' Concerns for Old Information reappearing As ' Reported Information by CheckSytems. I have a 'good repoor ' with the Source of Information As ' XXXX XXXX XXXX . I  was Assured by the XXXX XXXX  President 17 Months Ago that ' this Issue was Resolved. On XX/XX/2018, I ' informed the XXXX XXXX President that ' yet, again there was Old Information still being Reported through CheckSytems. 

Additional Information ' on the Check Systems Report claims ' that ' XXXX also, received this Information, but upon checking with XXXX this is not. true on 'all XXXX Reports. 

Since, CheckSytems refuses to Remove this Information from their Database, And I feel that ' the Information is being used for Identity Theft, I would like to further the Compliant ' with Investigation. 

In a 'gathering of data ' I ' have provided Documentation that ' the Debt of Merchant Disputes were the Negligence of XXXX XXXX Dispute Department , and the Debt was Resolved. 

CheckSytems, XXXX XXXX  and numerous Merchant disputes offers 'Explanation to Continuing Identity Theft, Domestic Finance and Continuing Domestic XXXX being Investigated by, the Federal Bureau of Investigations as well As ' recent and past Compliant ' submissions to the FTC and the CFPB. 

Check Systems also, provided the wrong address recognized by the FBI As ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM 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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Letter from XXXX XXXX, In XXXX Texas amd XXXX Id phone XXXX I received a bill for UNKNOWN services ... supposedly XXXX..never did any busness with them. The amt was for {>= $1,000,000}. But if i paid NOW it would be only {$19000.00}! 

Their account number for me ... .. account Number XXXX. Came from XXXX XXXX I called to see if they were a real company wanted more info from me ... .including mu Social Secirty number. 

These people are obviosly crooks. 

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 2022-03-19
Company: Experian Information Solutions Inc.
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:
In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX bank account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights XXXX ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
XXXX ) XXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. also states a Consumer reporting agency can not furnish an 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 2022-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was with XXXX XXXX XXXXXXXX and in a forebearance that ended XX/XX/2021. I was in process of getting a XXXX XXXX flex modification when my loan was switched to a new servicer select portfolio servicing. I have not gotten any answers as to what happened to the flex modification I was supposed to need put in from this new servicer. They tried to put me in a repayment plan that is {$14.00} more than my total monthly income of {$1000.00}! All without me submitting any financial documents to them. I can afford my regular payment with an additional {$100.00} towards balance of unpaid payments, but not much more. Please help, I'm a single, XXXX woman on XXXX and do not want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: The Receivable Management Services LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RMS reached out to me for debt of {$4100.00} which they alleged I owe to XXXX who I worked for till 2018, I have never been reached out by XXXX regarding any debt and I received my No-Dues from them. 
I dont owe this debt, its false claim against 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 explanation
Consumer complaint received 2017-05-27
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a  XXXX  account many years ago and closed it down. I was given some charges after the fact without notification. They sold it without notifying m  e to Jefferson Capital Systems. After that, interest began to accrue without my knowledge. It grew to {$310.00} as of 3 days ago when I found out about it on my credit karma report.
It has been over 3 years since they filed it. I 've never received a call or letter. I also ca n't contact Jefferson Capital Systems. Their online site only solicits messages from corporate interests and ignored my messages. I 've tried to contact them through any # or email or site I could find, but it is impossible.
I 've never had an otherwise unpaid payment as per my his  tory. I had a student loan which I paid in full before the end of graduating, so I do n't want this to have a negative effect on my limited credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX  a third party collections agency account number XXXX is reporting inaccurate data violating 15 USC 1692F section 808. Unfair practices by reporting the following to Transunion and XXXX : fees charged 3 to 4 times a month and a past due balance higher than the amount owed. According to the FCRA and the FDCPA 15 USC 1692F section 808 Unfair Practices : a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The following conduct is a violation of this section : The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation. This account was opened XX/XX/2017 by XXXX XXXX XXXX. I am an XXXX XXXX XXXX  XXXX  and they failed to report the medical visit under the proper insurance accounting code. The original balance was {$320.00} and over the last 5 years I have been trying to dispute this matter. The collections company continues to report fees to TransUnion and XXXX multiple times a month. The amount now due is {$770.00}. I would like for this item to be removed from my credit reports. Thank you for your assistance in this matter.

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 2021-04-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Chime Financial Inc
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:
Chime/XXXX Bank XXXX Opened a fraudulent account on XX/XX/21 for over XXXX. Reported to XXXX on XX/XX/21. 
XXXX Bank representative stated there are many fraudulent accounts opened through Chime and the this type incident happens often. 
Company allowed fraudulent account to be opened, then reported to XXXX 
I Called Customer Support to fix identity theft XXXX.They report no account with my Social Security number and/or my name. 
They refused to write a letter to state that fact and-asked me to email to fix it myself. 
Taking 0 responsibility for opening a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT
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:
On XX/XX/2022 at XXXX am I received an automated text from Santander asking if I used my card ending in XXXX at the XXXX XXXX for a purchase totaling {$700.00} ( Image of text I received uploaded ). I replied no and received a thank text stating a fraud advisor will contact me. At XXXX am I took an incoming call from and advisor that lasted 10 minutes. She asked if I placed these charges to which I immediately stated no and that they are fraudulent charges. I was informed one charge had already posted and another one was pending. Both for the same amount. I was under the impression at the time of that call this was taken care of and no further action was required. 

On XX/XX/2022 I received a delivery confirmation email from XXXX showing the address the item was delivered to. I contacted Santander to see if this information would be helpful to them. I was placed on a long hold to which the representative came back and said they had all the information they needed. I continued to monitor my credit card statement for the charges to drop off so I could pay my bill. When the charges did not drop I called the bank again on XX/XX/2022 at XXXX pm with my concern over my credit being hurt by these charges not dropping and being past the due date for my credit card statement. The call lasted 27 minutes with the representative placing me on multiple holds. He returned and apologized stating he had no idea why but a dispute was never placed for the transactions. He said multiple times he had no idea why a dispute hadn't been input and apologized and acknowledged something was wrong. He then placed a formal dispute for the charges and I provided the delivery address for the items, the name on the shipping and the order number. 

On XX/XX/2022 I received a notice from the bank stating based on their investigation it was determined no billing error occurred because the documentation supplied by the merchant verified that I authorized the transaction meaning charges would be added to my account ( Letter attached ). 

These items were shipped to a " XXXX XXXX '' in XXXX XXXX ( Image of delivery confirmation uploaded ) and I have not lived in XXXX XXXX for over 6 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation