BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-16
Company: Lionstone Holdings Group
State: MS
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2015 @ XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a XXXX address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & XXXX address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of Lion Stone Holdings Group LLC XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Debt Recovery Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 'm a victim identity theft and someone open accounts in my name this account was removed befor and now it 's 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 explanation
Consumer complaint received 2022-10-13
Company: Torres Credit Services, Inc.
State: IL
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:
This account is still reporting as open and past due. 
This account was charged off so the company is falsely reporting information on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: MD
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:
Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Disputing the inaccuracies of all 3 bureaus regarding the multiple charge-off on my credit report. However, they are in violation according to 15 USC 1681i ( A ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-03-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My vehicle was in a total loss accident XX/XX/XXXX, I was not at fault of the accident so I filed a claim with the other party 's insurance. On XX/XX/XXXX XXXX XXXX sent the total loss check to my lienholder Mazda Capital Services ( Chase Bank ) it was delivered and signed for XX/XX/XXXX for the amount of {$13000.00}. I have been repeatedly told that it would take 7-10 business days for the check to post to my account, as of XX/XX/XXXX it still has not been cashed @ 14 business days. The representative keep acting like they never received the check and I have to inform them I have tje confirmation of delivery for them to see the check was received. On XX/XX/XXXX I sent a payment of {$250.00} towards the XXXX payment, they reversed it on XXXX and I still have not received it as of XX/XX/XXXX. Please help me I can not proceed with my GAP insurance claim until Chase cashes the insurance payment. I fear that they will do this same thing when the refund from my warranties are sent to them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX  XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 8 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2021-01-11
Company: WELLS FARGO & 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:
Wells Fargo advertised cell phone insurance if the cell phone bill was paid with the Wells Fargo Credit Card. I started making my cell phone bill payments via my Wells Fargo Credit Card more than a year ago ( as required by the terms of the cell phone protection insurance being promoted ). Recently ( early XX/XX/2020 ) the phone screens cracked on two phones on the account. These were repaired at a cost of {$66.00} each ( total of {$130.00} ). Claim was submitted to Wells Fargo via Card Benefit Services web site with required documentation. Wells Fargo has refused to pay these claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I write regarding a potential violation of the Credit CARD Act of 2009, in that Citibank appears to have improperly applied my payments above the minimum payment to a lower-interest rate balance transfer ( 0.99 % APR ), rather than to higher-interest rate standard purchases ( currently 9.24 % APR ). 

This began on my XX/XX/XXXX statement and continued on my XX/XX/XXXX statement, as set forth in the attached XX/XX/XXXX letter I sent to Citi. The attached letter contains dates, amounts, and actions requested ( i.e. monetary relief in the form of corrections to interest payments and a balance transfer balance ). I called Citi twice on XXXX XXXX, XXXX and XXXX XXXX, XXXX, and was assured that the problem would be corrected, but it has not been. 

It appears that CFPB has received multiple similar complaints regarding similar issues. See CFPB complaint # XXXX, # XXXX. 

Also, the instructions on Citi 's statements as to where to send complaint letters appear to be incorrect. The instructions provide " write to us at the address for billing inquiries and correspondence shown on the front of your statement, '' and inform that rights to challenge mistakes may be waived if notification in writing is not provided within 60 days. On XX/XX/XXXX, I mailed the letter to that address on the front of the statement, i.e. XXXX XXXX XXXX in XXXX XXXX, SD. However, I called Citi today, and they informed me that the proper address for complaint letters is XXXX. XXXX XXXX in XXXX XXXX, SD, and that they had not received my letter. I asked them if I could email them the letter so that I could notify them today and preserve my rights. Citi said there was no way to email them. Citi did say that they would alert their back office to look for the letter. 

Given Citi 's apparent mistake as to where to address complaint letters, and my efforts to reach out to Citi today and previously, I trust that Citi will not treat my rights as waived. 

Thank you for considering 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 explanation
Consumer complaint received 2016-05-11
Company: HANCOCK WHITNEY BANK
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, XXXX I was added as a co-owner on to my spouses checking account. 
Over time from then until now, I have been in contact with the Branch Manager, XXXX XXXX, on many occasions to request assistance with helping my account not get NSF charges. I have contacted XXXX by email, and still have all of these emails, if necessary. Today, again after my account has received NSF fees, I contacted XXXX again. She then proceeds to tell me that there is an " OPT OUT '' option, so when the check card is used and the funds are not available, the card will not be able to be used. 
My complaint is, that I have contacted XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX as well as numerous phone calls. I have explained to XXXX that we were experiencing a financial hardship, due to unemployment, again, on several different occasions and it was NOT until " Today '', XXXX/XXXX/XXXX that I am told that we have an OPT OUT option. Now it is my understanding that when my husband opened the account in XX/XX/XXXX he was given this form to complete. That is 3 years ago. 
Why was this never mentioned to us again. And I was added on the account XX/XX/XXXX, I was NEVER given this form nor was I given the option to OPT OUT, nor was it brought to my husbands attention at that time. The only suggestion made by XXXX was a Handy Line account. Which would be a LOAN. 

Please see all emails below regarding the " Opt Out '' Form XXXX, XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : XXXX XXXX XXXXXXXXXXXX XXXX If you would opt out on this acct you would not be allowed to use your debit card if the money is not available. This would protect you from becoming overdrawn with the check card purchases not checks or an ACH.. 

From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXXXXXX Tue, XXXX XXXX, XXXX at XXXX To : " XXXX, XXXX XXXX XXXXXXXXXXXX XXXX Can you tell me how I can close this account? In the mean time, please " OPT OUT '' my account immediately XXXX, XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX Tue, XXXX XXXX, XXXX at XXXX PM To : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX I can email you a form that needs to be signed can you print, sign and email it back to me? 

In a previous complaint, this was the response from the bank. 
Your complaint alleges you were not aware of the ability to opt out of overdraft consideration ; however, our records indicate that an account in your name individually reflects an opt out election, advising the Bank not to consider paying items into overdraft ; this election was executed on XXXX XXXX, XXXX. Please see the attached detailed response. 

My dispute is that if I actually ever signed the form agreeing to " Opt Out '' and the bank had a record of this, why would she be offering to send me the form to sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XXXX XXXX someone scammed me in XXXX. I called mt bank the same day to let them know what is going on. The person assured me that they can resolved the problem. I called twice a day for three days straight to update them. I even filed a police report and have a detective on my case. The fifth day I called and a different person told me that the first three chase agent I spoke to have me misleading information. They will do nothing about my case and I didnt even have a case. They basically didnt even try to resolved my scammed iod {$2000.00} and gave me misleading information and refuse to do anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX the collection agency Portfolio Recovery Associates LLC agreed to a " pay and delete '' settlement. I paid the debt but the collection agency never deleted the negative account from my credit report. I have made multiple attempts to address this matter with the collection agency and the credit reporting bureaus and have not received any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got a loan for debt consolidation and had Lending club pay off card cards directly. After the loan is approved and payments are sent to credit cards, somehow one of my two XXXX XXXX cards accounts got changed to an account ending in XXXX. Now, mind you I do not have an account ending in those numbers. Lending club supposedly paid XXXX tom XXXX acct XXXX I pointed this out to Lending club over 10 business days ago and was told that the payment had to settle and wait for a certain for it to be returned. I was told to wait 7 business days and call back, which I did and then was told that there was a 2-day extension put on from the back office that makes the payment to creditors. I call today XX/XX/19 they still do not have my money back, stating XXXX is nonresponsive which is a joke, I can get them on the phone within 30 seconds. I spoke with a manager today named XXXX would file some kind of claim ... .more stall tacks in my mind. There is no way XXXX would have held this money for this long knowing that a wrong account payment was made. I received a claim number XXXX. I believe someone changed my data and tried to pay off an account that was not mine. The back office dept phone number is XXXX. My phone is XXXX. Email XXXX. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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:
These accounts are fraud and need to be removed from my credit report immediately. I am a victim of identity theft and did not make this charges. Please remove these as soon as possible. I included FTC XXXX affidavits about the alleged accounts. Please delete these accounts as they are causing me substantial harm & inconvenience as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Problem with personal statement of dispute

Complaint:
Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the XXXX XXXX Social Security XXXX and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, XXXX, and TransUnion are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?

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 2015-12-28
Company: STATE FARM BANK, FSB
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had applied for a loan modification to State Farm Bank. After the agreement to modify said loan was agreed on. I made the initial payment and XXXX more payments with no problems, While attempting to make pmt # XXXX the Bank refused to accept. I an in litigation now and recently found out that the Bank had put in a claim to the Title Company and were paid off. 
I need this problem solved iut is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Aft

er purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back 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