BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute in XXXX 2023 and citi dispute center resolved the dispute after getting response from the merchant. 

The letter from citi dispute center stated " If after reviewing the merchant 's documentation you still wish to dispute this charge, please specifically address the merchant 's response along with the complete details of your dispute. " " Please sign and return this letter with the requested information by XX/XX/2023. Please do not send photographs, smart phone pictures, or zip files as they are not compatible with our system. Our fax number is XXXX and our email address is XXXX. Please reference this ID in the subject line of your email : XXXX. '' The merchant provided some false answers in their document. So I sent my response on XXXX XXXX to the citi provided email XXXX through my gmail account before the deadline XXXX XXXX. The email was received since there was no bounce back. But a week later when I called in to check the status of the dispute, I was told the response was not received and ask me to send it again. And I forward my original response to the same email and on the following day I faxed the same document through XXXX  to citi fax number and the fax was successful. I called in again and I was told the response was received. On XXXX XXXX, I got the investigator 's response better stating that my response was not on time and so the dispute was closed. 

The fact is that I sent my response on XXXX XXXX which was on time since it is before the deadline XXXX XXXX. I sent my response on time but they did not handle it on time. But the investigator still rejected to reopen the dispute.

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 2022-11-25
Company: EQUIFAX, INC.
State: KY
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Dear CFPB, I'm writing to update you on my ongoing credit report dispute with XXXX, XXXX and Transunion regarding inaccurate information ( Ref : XXXX XXXX XXXX : XXXX Transunion : XXXX. Unfortunately, despite filing my initial dispute on XX/XX/2023 and exceeding the XXXX timeframe outlined in the FCRA, I have not received any response or update from the bureau ( s ).

The continued presence of this inaccurate information continues to cause me significant harm and hurting my credit credibility I urge the CFPB to take immediate action and : 1. Investigate the bureau ( s ) ' non-compliance with the FCRA. 

2. Demand a prompt and thorough investigation of my disputed information.

3. Hold the bureau ( s ) accountable for the delay and any harm caused.

4. Ensure the immediate removal of the inaccurate information from my credit report if verified.

I have attached the following documents for your reference : 1. Copies of my credit reports 2. Copies of my dispute letters XXXX. Copies of any supporting documentation I provided to the credit bureaus Thank you for your prompt attention to this urgent matter. I look forward to a swift and effective resolution. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2017-12-13
Company: American Credit Resolution, Incorporated
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX, my account representative at ACR continues to call my work number to get a hold of me even though I gave him my personal phone number. One of the coworkers was instructed by my manager to tell him to stop calling the company and he responded with " I will continue to call, today, the next day and the next day '' My manager called him and explained to him that he needs to stop calling and he responded with saying that he wo n't stop and that I should be fired for having collectors call my job and that he would not allow employees to get personal calls at work and that I must be a terrible employee who needs to get fired.

I, my manager and coworkers have already let him know he can not call my work as he does have other ways of reaching me such as phone and email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RE : Taxes Paid from Escrow Account Late - Town has not received the payment - My escrow account has not been credit back for the incorrect payment to the wrong property Hello, I contacted Citizen 's Bank mortgage customer service on XXXX, XXXX, and XXXX because my property taxes are not paid. Citizens Bank escrows for my property taxes. On XXXX I provided a copy of my tax bill to Citizen 's online portal. Citizens provided me with a PIN for the upload. On XXXX Citizens disbursed {$6200.00} from my escrow account. This amount was incorrect, the actual amount due, the amount listed on the tax bill that I provided was {$7100.00}. The Town of XXXX 's website has public access, a password is not required. It is my understanding that lenders use a third party vendor when making payments and the vendor should have also provided the correct amount of {$7100.00}. 

When I noticed that the incorrect amount was paid I called Citizens mortgage customer service on XXXX to let them know of the error, while I was on the hold the Citizens representative verified that {$7100.00} should have been disbursed. 

On XXXX I checked my Citizen 's online mortgage account and the only disbursement that was showing was the {$6200.00} made on XXXX. I called Citizens mortgage customer service and I spoke with a representative and the representative stated that the correct disbursement has been made but could not explain why the disbursement was not showing on my online account. It turns out it had not been disbursed as the Town of XXXX has no record of a payment from Citizens to my property. I advised the Citizens representative that I had received a late tax payment notice from the Town of XXXX and that a 2 % late charge was now due. Inexplicably the representative assigned to work with customers regarding escrow payments could not understand why a late charge would be assessed on a tax payment now 2 months over-due. I uploaded the late notice to Citizen 's online portal using the new PIN that they provided me with. 

I just called the Town of XXXX, today XXXX, and the receiver of taxes stated that they have not received a tax payment. I do see that {$7100.00} was disbursed from my account however I do not see a credit for the {$6200.00} that was disbursed on XXXX. The Town did not receive a payment for my property so it appears as though the {$6200.00} was disbursed to an incorrect address. I have no confidence that Citizens has made the payment to the correct address even though I have verified the Section Lot and Block/Tax Map # with Citizens 3 times and I have no confidence that the late fee was paid by Citizens. I have no confidence that Citizens will credit my escrow account back the {$6200.00} that was disbursed incorrectly to the Town of XXXX on XXXX. After my escrow account is reconciled I would like a new correct escrow analysis, the 2 escrow analysis that I received are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is my second time filing a complaint with the CFPB in regards to Experian and the incorrect information that they continue to furnish about me on my consumer report. In addition to disputing this with the CFPB I have also disputed these incorrect address with Experian more than twice. The address on my consumer report states that I have lived at : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This isn't nor has it ever been my address. There has been fraudulent activity in regards to my identity. Both XXXX and XXXX have removed this incorrect address. I am seeking the help of the CFPB again on this matter. At the time of disputing I sent my ID along with personal mail confirming address. XXXX XXXX XXXX isn't nor has it ever been my address. PLEASE DELETE!

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 2023-02-23
Company: PNC Bank N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a settlement check from my lawyers on XX/XX/XXXX to this account. The bank accepted the deposit, but held the funds for several days, as I would have expected is customary. The bank then released the funds to me by XX/XX/XXXX. My lawyer confirmed the settlement check had been processed and returned to them as cancelled. I accessed my account at PNC for several routine transactions ( withdrawals ) from my debit card normally - several XXXX dollars in XXXX and XXXX of XXXX without issue. I visited their branch ( above ) to access some cash from this account on about XX/XX/XXXX. The tellers were very rude to me and were surreptitiously making copies of my Hawaii state ID card, and claimed that Hawaii is " far away '' and that the ID card is " suspicious ''. It is the same card I have had for many years, since we own a home in both Hawaii and XXXX. It is the same card I used to open the account at PNC several years ago. They have previously been abusive when I present this ID card to them, and I decided that I had been abused enough by them and attempted to transfer {$23000.00} to another account I have at a different bank. PNC then FROZE all my funds in this account as some kind of punishment for arguing with their staff, and have continued to block access to my funds as continued harassment by them. I have a XXXX score of more than XXXX and almost $ XXXX on deposit at XXXX XXXX. I have done NOTHING wrong. PNC is clearly IN THE WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Aargon Agency, Inc.
State: NV
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:
Contacted Creditor on XX/XX/2023 asking for documents to dispute fraudulent claims on personal report. Creditor good not present or provide any of the documentation I requested such as Original Contract with my Signature, Payment History or Prood of Ownership. I also requested documents that they could provide through Mail and they declined. Stating they are paperless. Which gives me no proof to attach or give to my local Police Department. The debt collector had wrong address as well as email which he changed in his system once I gave him my information

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 2023-02-23
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
XXXX XXXX # XXXX, PORTFOLIO RECOVERY # XXXX, and XXXX XXXX XXXX # XXXX I contacted All 3 credit bureaus about the inaccurate information on my credit report on XX/XX/2022 and I am yet to get a response Regarding this debt from Portfolio Recovery, XXXX XXXX XXXX, and XXXX  XXXX. The three credit bureaus are supposed to report the same information, but they are not reporting the correct information at all. I find it hard to be able to validate these accounts because at least one of them I never even heard of the company. There is a lot of inaccuracies on these accounts. They are stopping me from getting the best rates and has been a burden on my life. I also called all three companies and still nothing has been changed. I attached my original letters that I sent at the end of XXXX. Please validate these accounts. 

If after my re-investigation of paragraph ( 1 ) of any information disputed by a consumer, a item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall Please delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: FL
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 did not consent to, nor benefit from, nor authorize the following : WF XXXX  - Account # XXXX ; Amount {$1700.00}

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 2023-02-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I thought that I was ordering a weight loss product for the price of XXXX. 
But the company sent me a notice a few days after the purchase stating that the purchase costs XXXX and then they gave my credit card number to another company that charge me {$190.00} for shipping. 
I never gave this other company my credit card information so I filed a complaint with Citibank since I used my Citibank Best Buy credit card.

Citibank was very uncooperative with completing my complaint and I have submitted everything that they ask me to submit but they still have not refunded me.

I also told the company that I ordered from that I didn't want their product and they sent me a message via e-mail to inform me that they have cancelled the order and refunded {$49.00}.

Then a few days later Citibank sent me a message saying that they have refunded my account {$49.00}.

I asked them why they didn't contact the other company that I NEVER GAVE MY CREDIT CARD TO, and they finally agree to admit that it was in fact a fraudulent charge since I never gave them my credit card. However Citibank employees are treating me like I am an old woman who doesn't know what is suppose to happen next. This is really very much a case of Financial Elder Abuse and this case has been open with the horrible folks at Citibank and they have not refunded the {$190.00} charge that I never approved. I have called them and spent a total of 2 hours on hold with no solution to a very simple problem.

This horrible company never sent an order to me and they have my {$190.00} dollars ; this is a crime.

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 2022-06-04
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home in XXXX of 2022 and am owed {$5100.00} in an escrow refund from NewRez mortgage company and they have not payed me the refund despite dozens of calls and emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal limited my account and requested that I submit my id, proof of address, and bank statements. 

I did. While submitting my info i got a message saying that my account was closed. I called paypal and spoke to XXXX. She was very nice and said the system was triggered with how my name was in my id. Frist, middle, Last, suffix paypal only allows for first and last name on profile. 

well the rep sent me a link via message center to submit the rest of my items and said that they have to be checked by a human. 2-5 day wait and i would hear back. 

called 2 days later spoke to XXXX. XXXX said everything was submitted, and this time ID was approved waiting on human to check the other papers. A healthcare bill, says my name and address, and bank statements. 

call today XXXX 5 days later, still no response.. I called spoke to XXXX, he said my account is perma closed and nothing can be done. 

I have been a paypal customer since XXXX, and now they closed my account with almost {$700.00} inside. I have never filed a dispute or had and real issues. I am asking that they reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: AL
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:
To Whom It May Concern : I am writing to dispute the accuracy of the credit information that Experian has reported on my credit report. Specifically, my account with XXXX XXXX  ( Account Number XXXX ) was reported as being 30 days late on my Experian credit report, while other credit bureaus did not report any late payments on this account. 

I believe that this information is inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the credit information they provide to lenders and other entities.

Therefore, I request that Experian investigate the accuracy of this information and correct any errors on my credit report. Please also provide me with a copy of my updated credit report once the investigation is complete.

In support of my dispute, I have enclosed a copy of my credit report from XXXX and Experian that shows no late payments on my XXXX account. I also have attached any other evidence I have that demonstrates that this account was not 60 days late. 

Thank you for your attention to this matter. I look forward to hearing back from you within 30 days, as required by the FCRA. 

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