BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Regular Checking Account ending in XXXX Citi Reference Number : XXXX C : Consumer Financial Protection Bureau Case # XXXX CC : Office of the Comptroller of the Currency Case # XXXX Hello XXXX, You recently reached out to the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency regarding your concern about Citi, and weve reviewed your request.

Please accept our sincere apology for any frustration this matter may have caused. It is our goal to provide all of our clients with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance.

Upon receipt of your inquiry, a review of Citibanks records and the circumstances surrounding our decision to close your banking relationship was completed. While we are sorry to learn of your disappointment with Citibanks decision in this matter, as outlined in your deposit account agreement, Citibank reserves the right to close an account at any time and for any reason, with or without cause. We apologize for any inconvenience this may have caused.

Please be advised, the attached account closure notice issued to you on XX/XX/2023, informs you the account closure process takes up to 60 days. A {$29000.00} refund check will be mailed to the address listed on the account under a separate cover for your receipt once the closure process is completed. Should you have any additional questions, please contact our Fraud Prevention Department at XXXX, Monday - Friday XXXXXXXX XXXX - XXXX XXXX  CT. 

Thanks for your inquiry. We'd like you to know that it's important to us and we appreciate the opportunity to respond. 

Thank you, Your Citi Executive Response Team 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 monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 2023-01-09
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: Account status incorrect

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX : {$38000.00XXXX XXXX XXXX XXXX XXXX : {$24000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: AK
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They called and we agree 'd i 'd pay  XXXX  dollars a month to pay off my debt but never told me that  XXXX  dollars of that per month would be going towards fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From XXXX to XXXX of XXXX I was charged for a electric bill that I never used.. Its call XXXX XXXX, its in Texas.. I dont live in Texas , and I never been to Texas !!! Its on my credit report as a collect for {$350.00}

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; 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 2017-05-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as   XXXX   XXXX   XXXX   or   XXXX  aN D  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over  XXXX  so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX At XXXX XXXX, I set up a wire transfer of {$35000.00} from XXXX to XXXX to pay for a car, transfer number XXXX. The company account was correct but the car dealership give me the incorrect company name. Then the funds never arrived and to this date XXXX has still not refunded the wire transfer. All this money somehow missing and XXXX is not taking responsibility. XXXX has stated that Citibank has these funds, per the attached proof that it was sent via Citibank. XXXX XXXX, the recipient bank, has stated the funds were returned to Citibank, per the attached email. My CFPB complaint that Citibank return the funds resulted in the attached. Citibank is not taking responsibility nor helping XXXX with the trace and recall of the transfer. No one is helping me and Citibank is holding these funds.

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 2023-10-21
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
company said a third party account called netspend was created with my name. that brinks was a promotional debit card I received for being a customer of netspend. I asked for the account to be closed and a way to contact someone about verifying my identity was not taken and accounts are not being opened under my name.

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 2023-05-01
Company: EQUIFAX, INC.
State: ND
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 2022-11-17
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2017-05-10
Company: SYNERGY ONE LENDING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I WAS DOING REFINACE WITH COMPANY BECAUSE A I HAVE VARIBLE RATE AND TRY CONVERT MY LOAN  XXXX  YRS FIXED, THEY TOOK FOREVER NO RESPONSE SO I TOOK DOCUMENTS FROM THEM AND HIRED SOMEONE ELS TO DOIT AFTER THAT THEY GET MAD CASUE I DID NOT FINISH REFINANCE, AND THE GIVE BAD REFERRALS TO OTHER COMPANY I SPEND  XXXX  FOR APRASSAILES DID NOT COMPLETE REFINANCE THANKS TO THIS PEOPLE AL BAD REFERENCES NOW I GOT STUCKED WITH MY LOAN CAN DO NOTHING ABOUT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 report act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C1681 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.

15U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than the record of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person hall not furnish any information to a consumer or any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-02-16
Company: WELLS FARGO & COMPANY
State: GA
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 have been double billed for a transaction at XXXX XXXX from XXXX. I explained to my credit card company that I was not there during those dates and provided the necessary proof to no avail.

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 2023-10-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My problem is that paypal has been place a limitation on my account after i request to get help with a couple transaction. Id. de XXXX ) i try many time to made a payment and it was not been completed. i really feel sad with this situation when i always use my account in good way and now this happend. I just try to use my account couple time and that issue place alert to the system and place a limitation. 

after that this limitation was removed but the problem is happen again when i try to use a payment. 

will you please help to resolve the issue or call me to the number registrer on my account please. 

i think sometime the problem using my table can be cause by that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Levy & Associates, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a Garnishment Summons in the mail from XXXX XXXX XXXX for XXXX, issued on XX/XX/XXXX. I immediatly contacted the Law office, Levy Law Firm Co, XXXX, listed on the summons, to get someone who answered the phone, pulled up the account, then proceeded to transfer me to someone who did not answer the phone. This went on for 4 ( four ) hours. The lady I spoke with, did mention that this was for a XXXX XXXX XXXX  credit card, which I have not had an account with XXXX XXXX XXXX  in over 16 years. 

I contacted XXXX XXXX XXXX, and when asked for information, directed me to call XXXX XXXX, as the only account they have listed under my information shows to have been closed back in XXXX. 

I contacted XXXX XXXX, and explained that a garnishment has been taken out against me for a debt that I have never been contacted on, and have no knowledge of. The lady from XXXX XXXX  proceeded to pull up the information and then stated that they could not talk to me as the account was transferred the Levy Law. I explained that I have been attempting to contact Levy Law for 4 ( four ) hours at this point with no one answering. The lady from XXXX dismissed me and stated that she could email a person in the office and they would call me back within the next week. I asked for a supervisor at this point. 

Once the Supervisor was placed on the phone, I let her know that I was recording the phone call, and I explained once again, that a garnishment summons was issued to me, there is no record of any collection being placed on my credit report, and I would not have been able to purchase the home I purchased back in XXXX of XXXX. I explained once again that I could not get anyone at Levy Law to answer when calling for the past 5 ( five ) hours at this point. She stated she would pull up some of the account information that they have, and immediatly told me that the account that they are garnishing me for is from XXXX. 

Virginia State Law has a statute of limitations on unsecured credit card debt of 5 years. Additionally, in order to get a garnishment in the State of Virginia, there must be a Judgement issued for the debt. The debt that they are attempting to collect on is 16 years old, was paid off back in XXXX, and additionally, no judgement had ever been issued for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: AMERICAN EXPRESS COMPANY
State: AZ
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 initially contacted American Express on XX/XX/XXXX for charges that occurred on my account XX/XX/XXXX. The reason for the delay was because I had to make sure that I tried everything possible to make this plan that I signed up for work. The charge was for XXXX XXXX for a XXXXXXXX XXXX XXXX how to sell on XXXX. Well, I received some of the training and had use of their website, etc., but it was not the " we will help you succeed '' tools that I paid for. On XX/XX/XXXX I try to contact the company and the phone message states that the company is temporarily closed. I called someone I had met at training and they tell me the FTC has filed a complaint. 
XX/XX/XXXX I file a compliant with AmEx with the fraud department stating that I had been a victim of fraud, that I did not get all the services I paid for. On XX/XX/XXXX I got an email stating I had a message at AMEX they had closed my dispute and did not give me a reason. I opened another on XX/XX/XXXX again this dispute was closed in XXXX, but I misunderstood, I thought they were awarding me the $ but they actually put the charge back on. They said it was because they had sent me an email asking for additional information, which I did not get. I told them I would have happily sent them the required information. So, on XX/XX/XXXX opened again and got the phone # to upload my documents which I did on XX/XX/XXXX. So, now on XX/XX/XXXX I get an email telling me it's closed again and I'm responsible for the charge and again no explanation why. XX/XX/XXXX I Call and talk to a rep and he says I was denied because I said it was fraud and it wasn't, I agreed to the charge. Which I did and that if I would have said I didn't receive the items then I would have gotten some of my money back. I told him in the documents I sent it states clearly that I didn't receive a lot of the items and I mentioned which ones. Well, he said you listed it as fraud and not missing items and therefore it was denied. I asked why if in my explanation I state I did not receive certain items that it could have been researched that way and he said because I selected the fraud button. I told him that the other selection was did not receive merchandise and that was incorrect because I did receive some. I can't believe that I would lose all that money over semantics. I was trying to be honest, I did receive some merchandise but not all. Now he states it's too late for me to do anything, even though I started it back in XXXX. 
XXXX XXXX have been charged with fraud and been ordered to pay {$10.00} XXXX out. I have filed a claim with the FTC but it could be years if anything comes from it, in the meantime I have a credit debt with nothing to show for it. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Experian Information Solutions Inc.
State: CO
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:
I OWED XXXX XXXX {$140.00} I PAID {$150.00} TO THEM ON XX/XX/2018 WHICH WAS THE FINAL PAYMENT. THEY CLAIM I DID NOT PAY AND WAS TO DATE OWING. I HAVE SENT PROOF OF PAYMENT 3 TIMES TO EXPERIAN AND XXXX TO THEIR TX ADDRESS. I HAVE SENT COPIES OF MY BANK STATEMENTS SHOWING PAYMENTS THEM. THEY STILL CLAIM I DID NOT PAY AND IT IS NOW 6 MONTHS LATER. I HAVE ASKED THEM WHAT THEY DID TO THE PAYMENT I SENT IN XXXX WITH NO RESPONSE FROM THEM. THEY HAVE CAUSED MY GOOD CREDIT SCORE TO FALL DRASTICALLY.

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 2023-10-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting 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:
Barclays Bank Delaware made a hard inquiry on my credit report without my authorization I have spoke with them and they said they would remove it. Had to call back and still not 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