BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
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/2023, I formally closed my Citizens Bank checking account by speaking to XXXX at the customer service line at Citizens Bank who made ministerial entries to close my account with a {$0.00} balance after I wrote a check to bring my account to {$0.00} a few days before calling. However, despite notices that I closed my account with a {$0.00} balance, I received a mini statement 40 days later apparently indicating that my account may still be considered open as I was charged a {$9.00} service charge on XX/XX/2023 which is inappropriate for a closed account. My account was closed on XX/XX/2023 with a {$0.00} balance. Kindly investigate and take required action as no further activity is allowed after closing on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
XXXX and XXXX of 2022 I had unauthorized purchases on my account. I went to XXXX XXXX store in XXXX and got a print out of purchases. My son, who is XXXX and lives with me made purchases on his XXXX XXXX online account using my credit card.I disputed these charges and canceled card. Citibank initially denied the disputes based solely on the fact that my son has the same address as mine. I was never contacted by anyone from Citibank regarding the charges I disputed. I sent a letter to them and they re-opened the claim. Again, no one reached out to me and they closed the claim a XXXX time. 
I have several claims reported with other financial institutions and have filed a police report in this matter against my son. Citibank only asked if an arrest had been made which has not happened yet. 
I feel no investigation has been done since they never received any type of statement from me nor even reached out 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 explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$44000.00} 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 2021-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
I have filed multiple disputes asking method of verification and I only receive an letter back stating that it was verified. How is it being verified and the information that the company have on file does not match up to me. They are violation my rights and is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX apparently sent me to collections, however I have never ONCE received any info about this debt and or being sent to collections. If I would of know. I would of settled to hopefully join my house and car. LACK OF COMMUNICATION. Only to find out I AM in COLLECTIONS

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 2017-12-15
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Not opted into overdraft protection ; ACH debits not included in this ONLY debit card .... not clearly stated. XX/XX/XXXX account was overdrawn, called PNC XX/XX/XXXX rep explained people dont understand overdraft protection fees/policies and it doesnt applied for ACH and got fees waived so I could close account. XX/XX/XXXX overdraft fees were put back on account for pending transactions that the representative I talked to didnt mention and was told there was nothing they could do and had to wait for 2 days for a call back. XX/XX/XXXX went to PNC branch to explain situation and that Id be happy to pay debit balance of XXXX $ but wont pay the fees totaling XXXX . ( Charged me a fee for not showing my college ID every 6yrs INCLUDED in this was CONTINUOUS OD fees and overdraft fees ). Account now at $ XXXX and theres nothing they can do. XX/XX/XXXX branch manger trying to assist but cant refund fees theres nothing he can do, but will try to escalate account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2022-11-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022 I received a letter from XXXX XXXX XXXX  stating that I owed them money for opening account # with a fraudulent check in the amount of {$500.00}, demanding that I pay this money back to them in addition to a {$10.00} fee. I contacted them by phone immediately, and was told that someone opened an account in my name. I explained that I never heard of that bank, nor had I ever opened an account with this bank. I asked what recourse I might have. They said I should write them a letter via email, as well as report it to FTC. They also stated that they had already flagged said account for Fraud. 

I reported it to FTC. I called the credit reporting agencies, asked for copies of my report and had my account flagged by the 3 credit unions. I also sent copies of the letter I received from them to XXXX XXXX XXXX  via email. Once again I explained I had never heard of their bank, and did not open this account. I also told them that had they done their due diligence this never would have happened because several years ago my name had been found on the XXXX XXXX therefore my credit had been locked for years. Had they actually attempted to do a credit report before allowing someone to open an account in my name they would have found that the report was locked. 

I received a response from XXXX XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX XXXX XXXXXXXX ext. XXXX XXXX # : XXXX XXXX XXXX XXXX stated that she had forwarded this information to their Internal Fraud Department for processing. On XX/XX/XXXX I wrote her again requesting that they close this fraudulent account and send me a letter confirming that this account is not mine, and that I am not liable for this account. I also asked that it be removed from my credit report. She replied, " The fraud department will be providing the letter. I have sent this on to them. I do not have an estimated timeframe for exactly when that will occur ''. 

I have yet to receive any such notice, and continue to receive notices from this bank stating the account continues to be overdrawn with a negative balance, and that the account will be closed at XXXX dats, They state that the outstanding balance will be reported to a collection agency and the appropriate credit reporting agencies. 

I would like this account closed immediately. I would like to have a letter acknowledging that this is a fraudulent account for which I am not liable, and I would like assurance that this will not be placed on credit report. Can you please assist 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 2018-08-16
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to get a loan modification, they did not return calls, claimed that they did not receive the correct paperwork though it was submitted several times.I then attempted to do a short sell on the property.they sent the necessary forms but they had already foreclosed on the property and put it up for auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX account # XXXX with a balance of {$1100.00} is a fraudulent charge made with identity theft. I have submitted ( to XXXX XXXX XXXX ) a copy of my " Identity Theft Victim 's Complaint and Affidavit '', police report. This charge was first made aware to me by XXXX XXXX. The charge originated in XXXX, TX. I have never been to XXXX, TX. The perpetrator is using an address and email that are not mine. XXXX XXXX, my identity theft protection service and I thought the matter had been resolved, but XXXX XXXX XXXX has twice since moved the charge to a different collection agency..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This company continued to charge overdrafts for a total of XXXX $ - They offer no ability to catch us and charge every day. I have tried to reach out to the company to see if they would be willing to negotiate the fees with me due to recently losing my job from the horrendous economy we are in and covid and they were unwilling to budge on any of the fees. I need help desperately. This should be illegal to charge that much money in fees especially in this economy.

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 2018-08-16
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
well I called my Mortgage company to see why my monthly mortgage payment has increased from XXXX to XXXX they said it was because I needed a certain amount of money in my escrow so they put money in their for me with the money they got back from my old Mortgage insurance company. When they dropped me. This is not true. Because when I called safe point insurance company they said nobody from XXXX ever contacted them. 
But it was me that decided not to continue my mortgage company insurance with safe point. The forced insurance enforced by XXXX is XXXX annually. divided between 12 months. first when the first enforced the insurance the Mortgage bill only increased to XXXX. The Amount that XXXX Employee XXXX Employee number XXXX gave me was XXXX. She said they sent this amount to XXXX XXXX   XXXX XXXX. and safe point insurance company sent them back XXXX as a refund. Safe point insurance company said they never received a dime from XXXX. Another complaint I have is that they changed my original due date due by XX/XX/XXXX to due by XX/XX/XXXX. They told me my original agreement would not change. They also reported the wrong amount due on mortgage to credit bureau. the stated i oue XXXX when on the statement I oue XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports without any third party involved. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them a letter, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft as previously notified

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 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.

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 2018-09-10
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I unfortunately have a home mortgage with Wells Fargo. My total mortgage payment including escrow is approximately {$2300.00}. Prior to sending the payment due on XX/XX/2018 I contacted Wells Fargo and advised them that I would be sending in additional money with the mortgage payment. I instructed Wells Fargo to apply all of this additional money ( approximately {$30000.00} ) to the principal portion of the mortgage. I was assured by Wells Fargo that the additional money would only be applied to the principal and my account was noted by the representative reflecting this. I was in fact told by Wells Fargo that additional money can only be applied to principal. I submitted the XX/XX/XXXX payment as explained and weeks later received my statement in the mail. I found that some of the additional money sent in was not applied to principal but was instead applied to future payments. Ive experienced this issue before with Wells Fargo and that is why I contacted them before sending in the XXXX payment. Wells Fargo has many excuses why again the additional money was not applied to the principal. I was told there were coding issues with the account. I was told that Wells Fargo likes to apply a future payment of at least one month from any additional money sent in. I was told that Wells Fargo has problems processing online payments. Ultimately Wells Fargo in my opinion is committing a deceptive business practice by applying the additional money to anyplace other than the principal. Especially since I notified them before sending in the payment and which they acknowledged. In my case Wells Fargo benefits directly in terms of not applying the additional funds to principal and I as the consumer lose by getting to pay Wells Fargo additional interest. I contacted the Executive Relations Department at Wells Fargo and the XXXX payment was eventually reversed and applied correctly. I believe Wells Fargo should be investigated or at the very least should be compelled to issue a formal response as to why this happened. Again, this has happened before when I sent in additional funds and I had to fight Wells Fargo to have the money applied correctly. I would like a formal response from Wells Fargo myself. Thank You.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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