BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-05
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an account with citi bank on XX/XX/22 and transferred {$6000.00} into the account to open it, on XX/XX/22 the locked my account and said me transferring funds was fraudulent, even though they told me I had too to open the account. I called them on XX/XX/22, the same day, to try and unlock it and they said no they were closing the account and their was nothing I could do and they would mail a check in 60-90 days. I have tried to call at least 12 over the past year times and every time I get a transferred multiple times and told they can not help me I just have to wait, they wont even tell me if they mailed it or not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX property closed as an approved short sale with XXXX XXXX XXXX. XXXX was provided with all required closing documents and full payment per approved net on the short sale approval. On XX/XX/XXXX XXXX sold or transferred servicing to Right Path Servicing. Even though XXXX provided them with all closing short sale documents and funds, XXXX XXXX did not process the documents correctly. 
The net proceeds of the short sale were recently returned to closing agent on XX/XX/XXXX. 
After multiple phone calls to XXXX XXXX I have not been able to solve the issue. Per my last conversation with XXXX XXXX they are asking me to apply for a short sale!!!! This is closed and funded short sale transaction. I no longer live in the property and XXXX XXXX  does not have a clue as what they are doing. This is closed short sale transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: DigniFi
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
After filing a separate complaint with CFPB ( reference ID : XXXX ), Dignifi apologized for the inconvenience and stated that they would be providing monetary compensation in the amount of {$0.00} which according to Dignifi was the remaining balance on my account with them.

This occurred after I had already paid the remainder of the debt in full. I do not understand nor did the company clarify how there could possibly be a balance of {$0.00} cents left on the account after I had paid the full balance of the debt but I didnt worry about it because DigniFi forgiving that balance amounted to the same thing. 

However, I have continued to receive harassing emails from Dignifi asking me to pay that remaining balance which is somehow now higher than {$0.00}. To the best of my knowledge DiginiFi has not completed any of the resolutions that they offered for my previous complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-25
Company: CITIBANK, N.A.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Home Depot credit card had a XXXX dollar limit they deleated my credit card And they closed my account cause the representative say it was not used in a yr I spoke with her XX/XX/2018. I called to ask them for a reconsideration cause I was gon na use the card to make repairs on my roof. She said she was sorry but the account is closed

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 2023-03-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
During the week of XXXX XXXX of XXXX  I spoke with all 3 credit bureaus about this matter along with the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I ask the my transactions along with my experiences be removed from the following accounts per 15 US code 1681a paragraph 2 A. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I contacted XXXX and Experian via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that XXXX and Experian both verify their public records data with. Somehow, XXXX and Experian claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both XXXX and Experian have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by XXXX and Experian within the last 3 months to which XXXX was unable to find any record of these companies doing so.

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 2018-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear 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 2023-11-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I stayed in a XXXX in XXXX XXXX, FL XXXX XXXX XXXX. During the booking process, the host required a {$3000.00} refundable deposit, for any damages. After the stay ended, on XX/XX/XXXX, I received an email from the host stating we had " burned '' the coffee table with a value of {$1700.00}, and a pillow case cover with a value of {$35.00}, so I only received {$1100.00} back from the deposit. The host emailed me pictures of the table and it appeared to be marks that could be easily cleaned, nor proof that they were done by me. I emailed the host back, telling her we did not burn the coffee and ask what she did to clean it. I heard nothing back from the host. I immediately opened a dispute with XXXX, and disputed this amount on my credit card with Chase. I didn't hear anything for months. On XX/XX/2023 Chase notified me that the charge was valid, that the host stated I damaged the property. on XX/XX/XXXX, I called XXXX customer service regarding my case. They stated it was closed and the host had uploaded a receipt of the new pillow case, however, did not upload a receipt of the new coffee table, they only uploaded the original receipt, this call cost an additional {$51.00}. XXXX was going to contact the host, and get a copy of the receipt for the new coffee table. I emailed the host and stated we wanted the old coffee table if she got a new one. On XX/XX/XXXX, XXXX called stating the host emailed a receipt of the new coffee table, it was then emailed to me. The receipt shows the new coffee table was not bought until XXXX and the total cost was {$1600.00}. The XXXX customer service agent agreed that she did not need to buy a new coffee table, and also said the host had contacted them saying I was harassing her, he also agreed I was not harassing her. I informed him that we felt there are no other options except for small claims court, he said he will try to get in contact with the host and have us refunded. On XX/XX/XXXX, the XXXX customer service agent called me, informing me that he could not get in contact with the host and the case would be closed. I emailed the host directly, and informed her if we could not come to a resolution, we would have no choice but to go to small claims court. I feel that I have been put in an unfair position as both XXXX and Chase have closed the case with no assistance in receiving a refund. As stated, XXXX seems to be in agreement with me however, will not be taking any action to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting 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 explanation
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I contacted a seller by the name of XXXX XXXX that was selling tickets to the drake concert for XX/XX/XXXX. He requested I send him the payment through XXXX pay through my bank ( Wells Fargo and then he would transfer the tickets to me through XXXX. Once I sent the money the seller never answered my text messages or phone calls. I called Wells Fargo right away and they said they were not able to help me in anyway. They wouldnt even contact the other bank institution for me and try to reverse the charge. The amount was for {$220.00}.

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 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX RE : Updating Personal info Certified Mail Receipt # XXXX Dear TransUnion, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX University XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX By reporting these inaccuracies, you are in violation of XXXX XXXX XXXX ( A ) ( XXXX ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. TransUnion has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under XXXX XXXX XXXX sec. XXXX. 

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2023-02-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
These information are errors on my credit report and it's defaming my character and causing me financial hard, delete immediately. 

My real name is XXXX XXXX XXXX XXXX Delete These names. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX My address is XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Delete these Addresses. 
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  Kindly find attached my social security card and passport to proof identity.

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 2022-07-12
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: Account information incorrect

Complaint:
I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-10-22
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
For the last 6 months the company has made it so difficult to consolidate my loans. When I XXXX  college on XX/XX/2021 I was told to wait about 30 days to have my loans be removed from an " XXXX '' status on FedLoan. I waited that period and submitted a consolidate application on the FAFSA webiste and called about a month later. I was told by an agent that I was forced to stay on a " Forbearance '' status due to the pandemic. The agent also said I would have to wait until next year in XXXX to be able to resubmit another application. I fault that was a lie because not every single person was affected by the pandemic and we all should not be forced into a Forbearance status if it was not needed. So I called a month later in XX/XX/2021 and got another agent who stated that the agent was misleading and I could opt out of forbearance so I can submit my consolidation request. However, I was not able to because the system on FAFSA was showing that I still had a pending consolidation that was submitted back in XXXX. I was unable to create another one so the agent said he would do it manually and that I would need to call back. so sometime in XXXX I called and the customer rep told me that she sees my appliation and that she would transfer my call to consolidations, the wait was so long that I hung up, I felt like things were going correctly finally but today I called and the consolidation department told me that there was no such application and that I missed the 180 day deadline to get my application in. Finally I requested a manager and asked if they could review the last 4 calls on my account to see that I have been mislead and lied to about consolidating my loans. It seems as if the company is trying so hard to now allow me to do that. At the moment its impossible for me get a consolidation now because as of XX/XX/2021 I am now in an " XXXX '' status. I know how this company operates and its just so unbelievable how this is happening to my account. I have submitted proof of XXXX and it showing on there but my PSLF is still pending as well. I think there is a bigger issue at hand and some corruption that needs to be investigated. If you could just hear the last 4 calls on my account you can see that this company is refusing to do its job.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.

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 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : 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 2023-10-11
Company: EQUIFAX, 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:
Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.

Company response to consumer: Closed with non-monetary relief