BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-31
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020 I have opened Citigold interest checking ( XXXX ) and Saving ( XXXX ) accounts and deposited correspondingly {$1600.00} and {$400.00}. Next day ( XX/XX/2020 ) for no reason my money were blocked and on XX/XX/2020 all my accounts were closed by Citibank. On XX/XX/2020 I received {$400.00} check from my closed Savings account but I'm still did not receive my {$1600.00} from my checking account. I spent many hours on the phone with Citibank 's customer service and I did go to the Citibank branch multiple times regarding getting my money back. Unfortunately nobody in Citibank can help me and I still do not understand how can I get my {$1600.00} back. 

I feel helpless and extremely dissatisfied with Citibank!

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 2021-06-30
Company: FinCo Services Inc DBA Current
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I downloaded the wrong app. And tried to cancel it. The app needed my social security, and I.D the app is Current online banking and i just want to protect my social in case this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CAVALRY INVESTMENTS, LLC
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:
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Current Creditor : Cavalry XXXX XXXX LLC Reference Number : XXXX Recently in the mail I received a collection/charge off account from Cavalry Portfolio Services LLC saying I owe a debt of {$3900.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account.

*** You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies and send me a letter stating as such. 

Enclosed with this CFPB complaint are : My drivers license that shows identity Mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.

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: USCB, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: MS
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:
XXXX XXXX violated 15 u.s.c.1681 ( 2 ) I report containing information solely as to transactions or experiences between the consumer and the person making the report by reporting late payment and utilization history

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 2023-01-23
Company: EQUIFAX, INC.
State: OK
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 XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-01-23
Company: WELLS FARGO & COMPANY
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 closed my account with Wells Fargo some time last year because they were constantly taking money out of my account the amounts ranging from small to $ XXXX. I would call and dispute the charges and everytime they wouldnt be able to give me a reason why they took the money out and gave me every excuse in the book as to why they couldnt give me my money back. This happened straight for months till I closed the account with them. They owe me at least {$1500.00}. I dont know the exact amount because as soon as I closed my account they restricted my access from my account on the mobile app and website.

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 2021-08-28
Company: Experian Information Solutions Inc.
State: CA
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:
In XX/XX/XXXX, I received a copy of my credit report from all 3-credit reporting bureau 's ; XXXX, XXXX, and Experian. There were collection items on my credit report that were questionable. I reached out to all three bureau 's and disputed these items and asked them to validate this debt, verify this debt and provide me with supporting documentation ( wet ink signature of a contract with my name on it ) or any supporting documentation showing that this debt is mine. The reply back was simply, this debt has been verified. 
In XX/XX/XXXX, I re-disputed these items again, inquiring about methods used to determine that these debts actually belonged to me and to provide any supporting documentation that shows these XXXX-debts as valid and verified. XXXX  and Experian failed to respond to me, failed to accurately and thoroughly investigate and failed to provide me with any supporting documentation.

The FCRA and the U.S. Congress states that the burden is on the credit bureau 's to provide documentation to the consumer that supports their verification and validation findings regarding a debt dispute. Reference : United States Court of Appeals, Third circuit, Jennifer CUSHMAN, Appellant v Transunion Corporation, No. 96-1553. Decided June 09, 1997. I cited this case when sending re-dispute request letters to all 3-credit reporting agencies, yet they have failed to comply.

In addition, I have received a collection letter from XXXX XXXX XXXX XXXX for a debt that I don't recognize as belonging to me, as I can't recall signing anything or agreeing to anything. They have also failed to respond to my request to send me supporting documents that this debt belongs to me. 
This is negatively impacting my finances and is causing great harm to me. These bureau 's have failed to follow debt dispute procedures. I am the victim of identity theft and having documentation validating and verifying this debt is imperative. These items should be removed when they failed to accurately verify and validate the debt and send me evidence of their findings. 
Please allow me the ability to submit my certified letters that included my drivers license, a current utility bill and my social security number so they may help identify me. As well as my certified letter to the collection agency requesting verification, validation and any agreement/contract that identifies the debt as belonging to 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 non-monetary relief
Consumer complaint received 2023-10-05
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have way too much money in my checking account and made a payment to my credit union to move {$500.00}. The transaction was complete in 16 hours. I then tried to make a payment to the same account for {$100000.00} and the soonest date they offered was XXXX or later when it was XX/XX/XXXX. I didn't like it, but went through with the process thinking they are just trying to make loans with my money with the avg cash on hand. XXXX XXXX XXXX  but not too bad. Well, on XX/XX/XXXX the payment shows as processed and the money is still in my checking account and still shows in my balance. I will note that it doesn't show in recent transactions. Just as processed under bill pay ( see screen shots ) On XXXX at XXXX, the money still shows in my checking account but says it is processed. I chatted with an agent and they played XXXX and said they didn't see any of the transactions. I have screen shots of everything on my end. I know I am out a weeks worth of interest, but more than that, this is unethical to tie up my money for this long and show the transaction as completed and still in my account. And I wouldn't be complaining if it were to show up on the other end, but its not there. So, I group this like XXXX XXXX opening fake accounts and they need to be exposed. Please audit them and I am sure you will find this as a normal practice and please hold them accountable.

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 2023-10-13
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I tried to make a payment to my Federal Student loan through my loan service Nelnet. I tried to make payments on three different occasions : XX/XX/, XX/XX/, and XX/XX/. All three times my payment was returned becasue, according to Nelnet, the " payment could not be processed by your financial institution. '' I called my banks ( I used two separate accounts at two separate institutions to try to make the payments ) and neither one of them had received a request for payment from Nelnet. 

I tried to call Nelnet to handle the situation on XX/XX/XXXX and XX/XX/XXXX. I was not able to reach a customer service representative after 3 hours of hold time. I also emailed them on XX/XX/XXXX and received an automated message stating that Nelnet was not able to answer my email. 

I am concerned this will lead to late fees. Hoping the CFPB can help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Hello, I am writing to see if you can help me out with this issue. I had an XXXX XXXX account and recently the card was closed without notice to me or my spouse. I reached out to the company and was told the account was closed due to missed payments. I had the account open for 9 Months and no issues used regularly since my wife is back home in the states and I am currently XXXX in XXXX. During the XXXX season we tried making several purchases for our kids and come to find out the account was closed out. Ultimately I spoke with the service agent and was told that I had to re-apply because my account was closed which negatively affected my credit report and scores. I did not re-apply and won't with a final decision or review of this matter. Never carried over a balance always paid in full and never had issues with payments with the exception of one simply because my debit card expired and needed a new card. They also never published my XXXX statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On the XXXX of XXXX, XXXX Enhanced Recovery Company reported that I owed XXXX  XXXX  about {$1000.00} for services. When I contacted ERC and told them that I've never used XXXX  in my life, they basically told me that I can try disputing but it won't make a difference and that they " knew '' I was lying. Since then I've proceeded to submit my dispute and months went by and it went under dispute status but nothing happened after that. Around XXXX I decided to make a payment and settle the account because I figured that paying the account off might help my credit, ( which is has ). Yet it is still reporting, and now my credit card lenders see me as an irresponsible cardholder and won't increase my limits. I'm XXXX years old and try to be as responsible as I can when it comes to these things because I know the true power of having good credit and I can appreciate someone who has it. I don't think I've ever missed a card payment since I opened my first card in XXXX, I hope my dedication doesn't go unseen and that you're able to assist me on this. I will say I probably shouldn't have paid the account off but I am simply desperate and want my credit to be in good standing. Thank you and happy holidays!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Chase advertised to offer XXXX reward points for opening a Sapphire checking account. I opened the account in XX/XX/XXXX and met all the requirements. But Chase posted the reward in XX/XX/XXXX to one of my Freedom credit card that Chase closed on their side on XX/XX/XXXX. So I never had a chance to redeem the reward. 

Attachment 1-5 are the details of the advertisement. 

On XX/XX/XXXX I called Chased and was told my Freedom account was closed for inactivity for 6 months. If thats the case, since I had a transaction in XX/XX/XXXX ( attachment 6 ),  the card should be closed in XX/XX/XXXX and I should be able to redeem the reward in XX/XX/XXXX. The fact is I still received statements of that card for XXXX and XX/XX/XXXX ( attachment 7-8 ). The agent I talked to said she will escalate this and probably they will be able to let me use the points. 

On XX/XX/XXXX, I send a secure message to Chase to query further. They told me a different story, that my Freedom card account was closed on XX/XX/XXXX ( attachment 9-11 ),  because inactivity for 12 months, even though I HAD a transaction in XX/XX/XXXX. If this is true, then Chase posted the reward point in XX/XX/XXXX to my account that was already closed for 2 months. 

I dont know which story they told me is true. In any case, I didnt receive any notice from Chase for account closure. In any case I had no chance to redeem the reward point that I deserve from the opening of the Sapphire checking account. 

Today I received a letter from Chase ( attachment 12 ),  emphasizing that card holder has 30 days to redeem the reward after card closure. The issue is, again, Chase put the reward in XXXX into the account that they said they closed in XXXX, hence I had no chance to use them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Deinde Online Services, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Integra Credit has not verified the account in question They have sent this account to a law office that continues to call my phone at XXXX XXXX XXXX but does not leave a detailed message as well as where I can understand his message to even get the name of his office. He has called multiple times from XX/XX/2023. The company Integra credit never had my consent to send my information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: ERC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was getting annoying phone calls at which time I didn't answer since I didn't recognize the numger. Then, a few days later, I received a letter in the mail from a company called ERC XXXX XXXX XXXX XXXX, FL. XXXX Claiming that I had an account with XXXX XXXX XXXX XXXX and as of XXXX today I owed {$920.00}. 
Upon reading the letter I immediately called ERC to dispute the matter. I only got a response from an automated voice in which they tried to set up some kind of payment. 
I requested to speak to an agent and was put on hold for XXXX minutes and the was disconnected. I call a second time and was not able to speak with someone and was disconnected again. I have never had an account with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation