BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This complaint is regarding Citi 's dispute review process. I have submitted a cfpb complain about Citi 's handling of this case before, this is a complaint about the resolution of said case that I believe is unfair. Citibank has not followed their own dispute policy and I would like to compensated fairly. 

As a recap, the original cfpb complaint ( XXXX ) was about Citi 's extremely long review process of a dispute a made. In XX/XX/XXXX, I booked a flight using my Citi Prestige Card. That flight got cancelled due to the XXXX war. I have contacted the booking agency for a refund which did not return my calls nor answer my messages. I later disputed this charge with Citi. I filed my dispute in XXXX XXXX. On XX/XX/XXXX I got a letter from Citi requesting evidence for my case ( XXXX ). I emailed evidence on XX/XX/XXXX, which included my canceled flight and my messages with the merchant that remained unanswered. After months of waiting and multiple demands for an update my case remained unresolved. I submitted a complaint to cfpb on XX/XX/XXXX which prompted a quick response from Citi Executive Response Team on XX/XX/XXXX which closed the case an offered a {$200.00} credit which is less than 20 % of the disputed amount. 

I have once again contacted Citi for an explanation, a billing disputes representative said that Citi agreed that my evidence for services not being delivered is overwhelming and that they even attempted a chargeback for my transaction which merchant refused, however, Citi in its turn refused to provide to me merchants justification for refusing the chargeback. Citi claims that at this point theres nothing they can, merchants can refuse chargebacks and I wont be getting my funds back. The XXXX billing disputes representatives I talked to over the phone both agreed that this isn't the result they would have expected and that this sort of adjudication is unusual, normally these sort of cases are straightforwardeither merchant provides a reason for refusal or Citi issues a refund. 

I believe that it is extremely unfair for Citi to be passing this cost to the consumer just because they can't recover funds on their end. I use my Citi card with the expectation that I am protected and can rely on Citi to refund me my money if the merchant is fraudulent or acting in bad faith as it's clearly the case here. Citi representative attempted to talk me out of pursuing this claim further, suggesting I reach out to other agencies, try contacting the merchant again, reach out to XXXX, or even credit bureaus. I believe these are attempts to deflect responsibility which consumers like myself expect from them.

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 2022-08-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received notification by email that my credit card was cancelled due to non-use. I immediately pulled up my USAA app and reviewed all the documents that were recently sent. After seeing that a cancellation warning had not been provided, I called USAA to have my account reopened. I was informed that my account could not be reopened and that I should reapply. The representative stated the notification was generated on XX/XX/XXXX and did not acknowledge why the document was not showing in my USAA app. Im concerned that USAA may be generating cancellations warning and not truly sending the letters out to customers. 

After being told the issue date of the cancellation warning I validated my email was correct, checked my Spam, junk, and deleted folders and could not locate the warning letter. 

I have attached a screenshot of my app showing that no disclosures were received on or around XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I upgraded my AMEX XXXX XXXX XXXX card to XXXX XXXX preferred card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
IF ARE SUCH A CARING INSTITUTION WHY ARE YOU CHARGING ME SUCH A HIGH INTEREST RATE AND FOR LONG WHEN OTHER INSTITUTIONS CHARGE SUCH A LOWER RATE. I JUST CAN'T UNDERSTAND YOUR REASONING!!!!

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 2022-08-23
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit Management Inc. is attempting to collect a debt that was not authorized by me. It has been concluded that I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt collector has failed to This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I have requested that they stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA. 
I have sent via USPS certified mail a letter directly to Midland in response to their letter dated XXXX XXXX in which they claim I owe the debt. 
Midland Credit Management Inc. went to court and put a judgement against me, unlawfully. I have never had the opportunity to say my part, or respond to the action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has not followed the credit reporting guidelines. The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. This company has neglected to send me any correspondence and/or any means of communication validating if this account belongs to me, prior to reporting to the credit bureaus. 
They further are fraudulently reporting on an account that has no merit, as I never had an account with XXXX or Jefferson Capital in XX/XX/2019 in the amount of {$2600.00}, not to mention they have waited seven ( 7 ) years to bring such a claim and have neve sent me any correspondence signed contracts, etc. 
They have not provided any original documentation to prove I have had an account with them through my many attempts to request this information, they have refused to provide any such documents and continuously harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XX/XX/XXXX a letter was sent to COMMONWEALTH FINANCIAL asking to provided Validation of Debt and HIPAA authorization which they could NOT provided.

The debt doesn't belong to me.

Not only that they couldn't provided the proper documentations I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permis- sion to ( COMMONWEALTH FINANCIAL ) for them to release my medical information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When opening my Chase Premier account the Bank Manager indicated the exclusive benefits on the account would remain in perpetuity, Fee cashier check, free money orders, free safety deposit etc. He indicated the account would " grandfather in '' and would not change with new account promotion. 

After XXXX  years chase will start charge me XXXX a month for the service. 


I would like to have chase abide my the committment to grandfather my account and it should not change or be switch and I should keep the same service with no additional fee and should not have to maintain a monthly balance of XXXX to avoid a monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I found a collections account for Portfolio Recovery while checking my XXXX XXXX on XX/XX/XXXX that was opened XX/XX/XXXX. ( See attached ) I have not had any contact with this company prior to this. 

I called Portfolio Recovery on XX/XX/XXXX inquiring about the alleged debt. I was told they could not locate my account. I demanded the damaging credit report account be removed immediately. I was hung up on. After several days, I emailed a Portfolio Recovery on XX/XX/XXXX, again demanding validation of debt ( see attached ). This email was ignored and never answered. I went to Portfolio Recovery website and clicked their chat tab and was directed to a live agent. I copy and pasted the content of my previous email ( see attached ) into the chat window and included my full legal name and address. I was again told there was no account under my name. ( See attached ). I demanded the account be removed from my credit report. I was told to call the same number I called prior, then the agent immediately left the chat. 

Portfolio Recovery has been damaging my credit for the past 1 year 5 months and refuses to remove their damaging credit collections account from my credit, despite admitting to having NO accounts with my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: WA
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 have already reached out to Experian 4 times and they will not remove my hard inquiries off my credit report. I have alerted them I do not recognize them and they said 30 days ago the businesses had to confirm the accounts they have not but the inquiries are on my account. This is a violations of my rights!

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 2022-08-23
Company: The Bureaus, Inc.
State: TX
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 reached out regarding Account XXXX. I dont assume ownership of this account but Im an effort to get it resolved I submitted a settlement letter. I was advised that this company no longer owns/manages this debt therefore they should remove the collection from my credit report with all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was notified of my being sued with Portfolio collection company. I have tried t reach out to them to no avail, they never answer and never get back to you. I am XXXX and can not sit on the phone all day waiting for them to answer. I have been told by my bank that there was credit card fraud on my account as well as fraud through my debit card. The bank advised me to file a report with the police which I did do. They also told me to contact the credit bureaus as well which I did, I thought everything was straightened out when I received in the mail a notice that Portfolio was suing me for over {$7000.00}. Can anyone help me with this matter? I am going to answer the complaint as well at the court house but wanted some advice of what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: Experian Information Solutions Inc.
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : 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 2017-04-26
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it  may  I  XXXX   XXXX  am a customer with Ocwen Loan Servicing LLC. I was approved for a modification  Loan over two  years ago. I got approved for a new modification with the same loan in   XXXX   XXXX  . My first payment was due in   XXXX   XXXX    The payment was made in   XXXX   XXXX  .When it came time to make the  XXXX  payment  Ocwen  would not expect my payment because they said my dates were wrong on application but the modification had been approved in   XXXX   XXXX   Ocwen and I have been having monthly call trying to get all the information that is necessary but I am getting the run around. Now my home is in danger of being foreclosed on   XXXX   XXXX  ..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
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 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX ) at ( XXXX XXXX XXXX XXXX, OH XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX  XXXX at ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) has been sending me collection notices in the amount of ( {$3100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 


( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX, OR XXXX ) has been sending me collection notices in the amount of ( {$0.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX ) at ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$1700.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 
( XXXX ) at ( XXXX XXXX XXXX XXXX, MN XXXX ) has been sending me collection notices in the amount of ( {$490.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. 

( XXXX XXXX XXXX XXXX ) at ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX ) has been sending me collection notices in the amount of ( {$720.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

( XXXX XXXX  ) at ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) has been sending me collection notices in the amount of ( {$210.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: IN
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:
On XX/XX/2022 I authorized XXXX  XXXX to pull my credit in the process of applying for a personal loan. During this process XXXX experienced some sort of internal error that they were unwilling to disclose to me. At some point in this process without my authorization on XX/XX/2022 they initiated a second hard inquiry that I did not give them permission to use. As they had already done a hard inquiry on the XXXX. After nearly a month on XX/XX/XXXX they sent me a letter denying my loan because they were unable to verify credit information. I tried to go through their corporate division and was told that there was no second hard inquiry on my credit and that everything that they did was correct even though clearly it is not. I tried to dispute this through Equifax and they also said that this inquiry was correct and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: WELLS FARGO & COMPANY
State: CA
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:
Im just now in XXXX aware, of an old debt from XXXX that was a Company loan from Wells Fargo. 18 Years Wells Fargo already collected as much as possible & added me to collection years ago for this loan. Wells Fargo had the audacity to sell this account to a creditor that I had no clue existed, by the name of XXXX XXXX I, XXXX. This collection company then lined my home in XXXX! I never knew about this. I was never served! This company lies saying they mailed me information for years also not true! I have never signed any certified letters from any of these companies. They have the nerve to say they served my son. He was in the XXXX in XXXX at that time! So that is also not true! How could he? Also I NEVER discussed with creditor company a settlement! LIE after LIE. This account is XXXX  years ago! This account was closed over XX/XX/XXXX years ago. Its a dead account! Wells Fargo says I don't owe anything anymore so why would they sell an old account. 
This is unethically! 
! CA STATE LAWS protect me the consumer through TIME-BARRED! 
Statute of Limitation on Debt! I never accepted owing the collection company 's NOTHING! & NEVER accepted settlements! 
I never made payments! I feel this is fraudulent Breaking CA LAWs! 
Creditors Can't prevail in court after XXXX  years, little the less after XXXX! 
I WANT & GIVE PERMISSION FOR CFPB to PUBLISH ALL this experience & feedback!

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 2022-08-02
Company: EQUIFAX, INC.
State: LA
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:
The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX Balance : {$9900.00}

Company response to consumer: Closed with explanation