BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: BC SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX/XXXX/2015 I reordered my usual list of XXXX from XXXX XXXX, as I have been doing for the last ten years. On XXXX/XXXX/2015, without any bill or notice, they REMOVED {$260.00} from my checking account - without my consent. They claim I gave them permission XXXX years ago. This resulted in an overdraft on my bank account. I immediately closed that checking account and opened a new account they had no attachment to. 

I complained about this matter to them, but never heard anything back ; Until they contacted me in XX/XX/XXXX to try to collect on an outstanding balance of {$260.00}. I told them it was paid, and I had a balance of {$0.00}. They claimed to have refunded the money back to my account in XX/XX/2015. 

I have spoke to the bank on multiple occasions on this matter, and they assure me NO REFUND HAS BEEN PROCESSED, nor could it, since that account was closed more than 30 days prior. 

XXXX continues to harass me about this bill, even after I have faxed them copies of my bank statements, and had a three-way call with them and my bank. They have now enlisted the help of a collection agency ( BC Services ) who have been repeatedly calling and sending mail about this bill. 

I have not been able to reorder any of my medical supplies in the last year ( some items should get replaced monthly ) and now I will have to find another supplier, which will cost me more money because XXXX is the only XXXX supplier in network. 

This bill was paid in full, and they are threatening my credit which I am just starting to rebuild. I am looking to buy a new home and need all the help I can get.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: NJ
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 fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

EXPERIAN has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by EXPERIAN agent XXXX XXXX, there is no proof to the contrary. EXPERAIN is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt

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 2015-08-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I believe that the Private Mortgage Insurance ( PMI ) on my home loan is ready or near ready to be cancelled based on the loan to value ( LTV ) ratio. Contrarily, Citimortgage has informed us that is not the case. We purchased our home in XXXX XXXX. In XXXX we began investigating ways to refinance the loan, however we were denied because of a reduction in home prices and income due to a job loss. By XXXX we began inquiring with Citimortgage about a loan modification, which we believed was possible through the Home Affordable Refinance Program. The process was painful and repetitive, involving multiple requests for similar documents worsened by changes in Citi staff, who often showed a lack of knowledge and concern for us. Miraculously, by the summer of XXXX we were able to successfully modify our loan, which saved us a modest {$400.00} a month. Throughout the process we understood that we were modifying our current loan. However, recently, when I inquired about the PMI, Citimortgage informed me that we actually had completed a conventional refinance, changing the LTV to the new loan price at the time of the XXXX closing. I disputed this understanding and was told that I should reference the promissory note, which I did. On the top of the document is prominently written, Consolidated Note and states that this note consolidates, extends, and modifies existing loan. We are confused. Furthermore, I suffered a job loss which caused loss of income and our home value had dropped significantly, precluding us from obtaining a conventional loan. We brought this to the attention of a friendly Branch Manager who reviewed our mortgage on an electronic database on her computer. She expressed some concern about the information then said that she could not speak to me about the matter. I asked her if she could refer me to an agent with whom I could speak. Instead she provided me with a mailing address to communicate with Citi. After several years of dealing with Citi in exhausting and overly complicated ways, we were reluctant to write. For example I have been on the phone with Citi employees discussing some of these issues for more than an hour with few or no resolutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo failed to pay my hazard insurance on time. This resulted in a lapse in my insurance and I had to pay the insurance company directly in order to restore my coverage.

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 2022-03-22
Company: Atlanticus Services Corporation
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of Identity theft since XXXX and my personal information was used by someone else to open more than 9 credit card accounts. I found out about this issue in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name using an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I'v also filed dispute with FORTIVA XXXX XXXX XXXX XXXX XXXX GA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am an ID theft victim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have all these inquiries on my credit profile that I did not give any company permission to run my credit My consumer rights was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: PA
Product: Payday loan
Issue: Can't contact lender

Complaint:
on XXXX, XXXX, Citi Bank sent me a {$10000.00} credit limt with a 0 % interest until XXXX. I used XXXX of the checks to pay off credit cards. I got messages from credit card payments that they bounced I called CITI Bank and was transferred through the ranks until I spoke to a underwriter. He assured me that it had to go through one more underwriter but he was almost certain they would reinstate their offer. Next day email told me I was not approved for the original amount. This decision was made after my checks were mailed. I believe the bank was unethical and did an illegal thing to their customer. I have mailed them a letter by priority mail complaining abouttheir business tactics. I have not heard from them and I want to follow throuogh wkith sueing them for the amount thart was offered.

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 2017-01-28
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Rewards

Complaint:
We received a promotional letter in XX/XX/2016 from Citi Preferred Credit Card informing us that we would receive 5 % cashback on everyday transactiaons, if we used their transactions for purchases during the holidays, up to XX/XX/2016. This 5 % cashback was supposed to be applied to the statement balance following the cycle, and would reduce the statement balance immediately for that period. This went well for the first month. Between XX/XX/XXXX and XX/XX/2016 ; we made approximately XXXX $ in purchases using this card, and a cashback credit of XXXX $ ( 5 % of XXXX $ ) was applied to the statement balance on XX/XX/2016. Noticing that it was working, we spent XXXX $ on the card between XX/XX/XXXX and XX/XX/2016, hoping to receive approximately XXXX $ cashback on the next statement ( XX/XX/XXXX ). However, only about a XXXX $ credit was applied to the XX/XX/XXXX statement balance, whereas we were supposed to receive XXXX $ ( 5 % of XXXX $ spent till XX/XX/2016 as per the promotional terms ). We called customer service numerous times, but kept getting transferred, and we were first told by a representative XXXX that the credit would be applied on the next statement, then upon disputing that, we were told an investigation would be started, and we would receive an email within 24 hours. However, nothing was done and no email was received. Upon calling again, we were transferred between 3 different people, and then informed a credit would be reflected on the account and we would receive a letter in the mail. Instead, we received a dubious letter stating that we had called to inquire about a cash advance, which we never did. 
In all, Citi Preferred Card is not honoring their own promotion, whereby we were supposed to receive 5 % cashback on transaction made between XX/XX/XXXX and XX/XX/2016 ; whereby we are supposed to receive XXXX $ cashback ( as we made XXXX $ worth of transactions ). Upon calling customer service, we are being harrassed and mistreated, keep on getting transferred and are now receiving dubious letters in the mail and email about things we never inquired about, instead of dealing with the actual cashback issue we have.

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 2022-03-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are auto loan inquiries reporting on my credit report and its so many. I tried to call them but the companies were so nasty and saying theres nothing that they can do they deal with third party. I never applied for any car loans and it has destroyed my credit. I worked so hard with my home and trying to keep everything paid during the pandemic and here goes these inquiries that I did not authorize showing up. from many companies like XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also the three Credit Bureaus are not updating my credit score properly, I had a 99 % -100 % pay rate and debt to ratio have been where its suppose to be and I have never obtained a 730 + credit score even with me owning my own home and paying off vehicles. Even while being a victim of Equifax fraud victim, they still have not updated me on the status of my compensation on that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I XXXX XXXX, Have a wrongful repossession with my car with Capital One. It was conviscated on XX/XX/XXXX. I purchased the 60 month loan on XX/XX/XXXX while i was employed at XXXX XXXX XXXX XXXXXXXX  and making a decent salary at that time. However, the following month i was pulled out of work for serious health issues due to stressful enviroment after being employed there since XXXX. I was rewarded benefits by my employer some time after due to the fact they caused me to be ill and have been living on a fixed income ever since. Capital One is aware and i been struggling to make my payments at some point but i did. I do not receive any other source of income to help with my other living expenses such as my rent, food, phone, utilities, etc. I receive a check every XXXX of the month. And they have documentation of my hardship which im currently still in. They did not inform me of the car being in the process of reposession on paper. They refuse to give me information of my maturity date of loan being paid off. Which i know that i am close to it being paid off. I have financed it ever since and the company is stating i am 6 months behind and i have proof of payments showing that i am not. The company will not talk with me and if so very rude and i am time sesitive on this matter of 14 days or my car will be auctioned off. i do not know where the vehichle is stored or no additional information on it. They want me to pay XXXX to get my car back thats it. This is causing me alot of stress not being able to get answers, get to my XXXX XXXX, doctor appointments due to XXXX   XXXX in XXXX of XXXX, not being able to get my medication. I have my original contract agreement of the car. And some names and information i have of customer service saying one thing and then another. NOBODY will talk to me at this company and its all recorded. i did not agree to refinance my car or agree to anything else by law to cause my financial situation anymore strain. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HSBC is the worst, do n't deal with them. Opening account, giving their info, they told you something is wrong, and then hold tax, using your account without your agreement. HSBC did not do bank duty, also violating the US law. How dare they are, g ot to get an to attorney to work on the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
Back in XXXX of 2019 my husband disputed the balance of his XXXX credit card that I am a authorized user on due to the balance being incorrect. The company investigated and found their error and updated the balances with the credit bureaus. XXXX  and XXXX  updated the balance and still reports the card on my credit report. Transunion removed the information all together even though XXXX is still reporting the on time payments and the balances to them they are refusing to report it on my credit report. I called transunion at XXXX spoke with XXXX XXXX who stated that Transunion has an internal policy that they can not give consumers in writing that states if you are an authorized user on an account and it is disputed they remove it from your credit file. I believe this is a violation of the fait credit reporting act because if a creditor is reporting information to a credit bureau by law they are required to report it to my credit file. If that's the case I should be able to remove anything I want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other fee

Complaint:
I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact 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 monetary relief
Consumer complaint received 2023-01-06
Company: Netspend Corporation
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I recently filed a dispute with Netspend regarding unauthorized charges of {$8000.00} on my account. Despite providing documentation to support my claim, Netspend has determined that they will not be returning the disputed funds to me. I believe that Netspend has not thoroughly investigated my case and is not following the law, which requires them to provide provisional credit while the dispute is being resolved. I am seeking recourse through the CFPB because I believe that Netspend 's actions are unfair and illegal. ''

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 2022-03-22
Company: Experian Information Solutions Inc.
State: NC
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:
There are multiple accounts on my report that do not recognize

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 2016-02-23
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
3 years ago I had a brief XXXX procedure and received XXXX on my foot. I had insurance and paid my deductible. 6 months later a company not associated with the hospital and in another city sent me and invoice for {$900.00}. They wo n't sue me because they ca n't prove this is mine. Just last month they changed the dates with the credit reporting agencies to make it appear this is a new debt. I was suppose to refinance my home this month and I paid {$500.00} for an appraisal and now my credit score is to low to qualify for a {$600000.00} mortgage. I want it removed.

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 2022-08-04
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Amsher Collection Services was placed on my credit report for a balance that was owed to XXXX in the amount of {$820.00}. This information was fraudulent and suspicious. I filed a dispute with XXXX on XX/XX/XXXX and XXXX contacted Amsher Collection Agency. Amsher could not verify that the amount belonged to me and that it was incorrectly reported on my credit file. This account has been removed from my credit report. However, I sent in two money orders before I found out that this account was removed from my credit file. I sent two money orders in the amount of {$820.00} to the XXXX XXXX XXXX XXXX XXXX who is working on my account on behalf of Amsher Collection. I am having issues with receiving my money back. It has been difficult getting in touch with someone. I would like to receive the full amount that I sent via money orders. I would like a refund of {$820.00}. I haven't received anything in the mail from Amsher Collection regarding this credit/refund. I have attached the money order receipts to show the full amount that I sent to the Law Offices of XXXX XXXX ( Who is working on Amsher 's behalf ). I would like to receive my money back. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation