BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-28
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
dear cfpb, i filed a complaint to cfpb last year on citibank regarding my funds in checking account for {$1500.00} but you forwarded this complaint to citibank. inturn, citibank executive response unit ( mr. XXXX XXXX ) responded that they escheated the funds to treasurer of south dakota. i filed the claim and kept waiting. in the mean time i was deported from XXXX to XXXX. 

from here, when i emailed the treasurer, he states there is no property escheated by citibank in my name and specifically this property number XXXX kindly look into this matter. if there is an option to attach files, i will attach the copy of citibank letter which shows the property number and the amount. and i will also attach the emails of treasurer. 
please help, i appreciate XXXX XXXX ss # XXXX dob XX/XX/1971 ca drivers lic # XXXX current mailing address : XXXX XXXX XXXX , XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX cell : ( 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 2023-02-13
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/XXXX, I made a purchase through the retail website XXXX. It was a ring for my wife. I purchased it using my Apple Card. When I received the ring, a diamond was missing. I contacted the retailer ( in XXXX ) who said they would repair it. After a brief exchange back and forth with the retailer, I was told they would send a shipping label so that the ring could be shipped back and fixed. The retailer stopped communicating with me at this point. 

In XXXX of XXXX I initiated a dispute with Apple Card to have the {$740.00} refunded noting the retailer sent me broken merchandise, agreed to repair/replace it, and then stopped communicating. 

After a few frustrating interactions with Apple Card " customer support '', I paid my balance off in full of XX/XX/XXXX and closed my account. 

I have also had to re-dispute this transaction approximately eight times because Apple Card keeps finding the dispute in the retailer 's favor citing that I have not provided enough information for them to substantiate my claim. 

At the request of Apple card, I have sent the communication between the retailer and I as well as pictures of the damaged ring. I have sent this information in four times at the request of Apple Card because they said they can't see it in their records even though it shows that I sent something in. I have spoken to 12 different people, several supervisors who, at the time of the call, reassured me that it makes sense that the dispute would be in my favor and that I have provided more than enough evidence.

When I asked to speak with the person in charge of my dispute resolution I have been told they are not available.

I worked very hard to give Apple Card the information they requested half a dozen times and was reassured by managers that the information was received as well as should be more than sufficient to substantiate the dispute. I have no way of contacting anyone out side of their customer service phone number and can't get a response to the " findings '' that I receive via email when I try to communicate that way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
RECENTLY I LOOKED AT MY CREDIT REPORT. AND IT BOUGHT TREMENDOUS SADNESS. I HAVE BEEN DOWN AND FEELING SUICIDAL LATELY THIS IS A HARM AND DEFAMATION TOO MY CHARACTER I FOUND EVIDENCE THAT YOUR ORGANIZATION DIDNT DOUBLE CHECK FOR ACCURACY BEFORE REPORTING IT IN ACCORDANCE WITH SECTION 1681 ( e ) b accuracy of report of the United States code ( 15.U.S.C. WHEN A CONSUMER REPORTING SERVICES CREATES A REPORT ON AN INDIVIDUAL THEY ARE REQUIRED TO TAKE A REASONABLE MEASURES TO ENSURE THE DATA IS ACCURATE AND FEASIBLE IN ACCORDANCE WITH SECTION I ( 5A ) of title 15 of the United States codes deals with how false or questionable facts are handled under 15 u.s. code1681a ( 3 ) 3

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 2022-04-13
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX  XXXX, XXXX Ca closed. No way to cancel my membership now as XXXX XXXX  tells me I have to go to the location too cancel membership. There doors are locked, and they are closed. There is no way to cancel. I can't stop XXXX XXXX Monthly EFT from my Wells Fargo account as a result. WF tells me they will charge me a {$31.00} fee to stop payment on XXXX XXXX This is wrong, and not fair. Please help

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 2023-08-16
Company: Experian Information Solutions 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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 2023-02-07
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There should be one reference number but I was informed there are two reference numbers connected to this alleged account. Tampering with original content from the alleged account is unacceptable and misleading to the accuser.

It is referenced that I gave written instruction to the original creditor when I first opened the account to the original creditor.

Where is the original account with my signature so I can view it for myself??

This is hearsay and validation has not been provided.

I continue to request validation of this account and I have yet to receive it.

Furthermore this alleged account has already been deleted from my credit file through XXXX. 

As I looked further, I see the other two credit reporting agencies are still reporting the alleged account.

The reason they are still being reported on the other two is because the " month and year this item will be removed '' date is inconsistent. The information should be the same across all three major credit reporting agencies but it is not. This alleged account should be removed immediately due to inaccurate reporting and what seems to be considered re-aging the account. 
Midland has not validated this alleged account and can not continue to report inaccurate and inconsistent information.

I am submitting exhibits to show that Midland did not report accurately and consistently.

You will also see " terms frequency '' is inconsistent between the three major reporting agencies.

The " loan type '' is inconsistent.

I see that this alleged account is being reported as closed and as a collection across all three major credit reporting agencies. It should report the same all across the agencies.

I am attaching supporting documents that will show that inaccurate and inconsistent information is being reported.

I am requesting that Midland be removed from the two remaining major credit reporting agencies immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I disputed the account for XXXX XXXX, XXXX ( collection agency ) along with the original account owner of XXXX XXXX XXXX  on my TransUnion credit report on XX/XX/2020. They reported that the information was correct and was verified as such, even though it is not. After filing a claim with the XXXX  XXXX   XXXX I received an email and postal mail response stating that these accounts are not correct and will be removed from my credit reports. However, TransUnion is still reporting both accounts.

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 2020-03-30
Company: GLA Collection Company, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I took a sleep study with XXXX  XXXX XXXX, a subsidiary of XXXX   XXXX. After that sleep study I owed a total amount balance of {$1600.00}. I paid off that debt completely in XX/XX/XXXX in the form of a {$1500.00} payment.

On XX/XX/XXXX, a company called XXXX XXXX XXXX XXXX, not XXXX XXXX whom I had the sleep study with, mailed me a bare payment statement saying I owed {$480.00}. The statement did not list what the charge was for, what procedure I had, how much my insurance covered, and stated I could only make payments via mail. So I did not respond believing it to be a scam. 

On XX/XX/XXXX, I got an alert saying I had a debt in collections from this XXXX XXXX XXXX XXXX. When I contacted that company they took a long time to answer my questions, would not answer my questions and asked me for personal information that i was not willing to give. I believe this is a fake company set up to mimic the real company I conducted a sleep study with and an attempt to scam me. 

I have not been in contact with GLA Collections yet.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
applied 4 secured card, they took my money b4 approved, treated very badly when i called to inquire on the XXXX so i withdrew application and demanded money back. Been getting run around since, filed multiple complaints which CFPB does absolutely nothing with. In there XXXX  response they allege i called the XXXX for first time, that's a lie it was XXXX, they allege that they tried sending it back the XXXX but that's a lie as per XXXX if they had sent it we would have it and the phone number provided in their response is completely useless, I spent over one hour waiting to speak to some one b4 i had to give up, screenshot attached. If they were honest and well intentioned i wouldn't have to jump thru so many hula hoops to get back money they never should have touched. They would have called me or provided me with a functional email address

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 2018-02-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My three year Nissan lease expires next month. I have been informed by Nissan NMAC that I must pay : - {$390.00} for a Disposition Fee - {$230.00} Excess wear for three small scratches ( two are on the hubcaps ) The Disposition fee was never disclosed while at the dealership when I signed the lease.

The fee for three small scratches is exhorbitent. It is impossible to drive a car in the XXXX XXXX for three years and not get a scratch on it.

These hidden fees are abusive. Attached is the correspondance I have had with Nissan NMAc to resolve this matter. I would welcome any assistance you can provide me. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: TX
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 am writing to dispute a recent inquiry that appeared XX/XX/2022 on my credit report. The inquiry XXXX XXXXIT was not authorized by me, and I believe that it is a result of fraudulent activity. I am concerned about the impact that this inquiry could have on my credit score and overall creditworthiness. 

I have reviewed my credit report and have not applied for any credit or loans recently that would warrant a credit inquiry. I believe that this inquiry is the result of identity theft or other fraudulent activity. I take my personal information security very seriously and have taken steps to safeguard my information, such as regularly monitoring my accounts and using strong passwords. 

I am requesting that this fraudulent inquiry be removed from my Equifax credit report immediately. I have already contacted the other credit reporting agencies to report the fraudulent activity and have placed a fraud alert on my account. I am willing to provide any additional information or documentation necessary to support my dispute. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon with the results of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

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 2023-03-02
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
About 8 years ago I took out a check loan. I took the loan out with Speedy Cash. I did default on the loan and now it is being reported on my credit with an open date of 3 years ago. This information is not correct. I have disputed the dates with the credit bureaus. Having this on my credit reported incorrectly is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The company cash app provided by XXXX XXXX  sent me a direct deposit from XXXX of XXXX $ I was supposed to get XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We called on XXXX to PHH Mortgage company as we all bunker down and brace for this Virus to rid itself from our Nation. Loan # XXXX One of Floridians biggest bill is our mortgage and we pay our bill every month. 
Hard working Floridians have lost major income. They sent me a letter of " Temporary Hardship Forbearance Plan Offer, which I don't have to pay anything for 3 months and then on XXXX, I have to pay a lump sum of {$6500.00} We are losing income as our hours are cut and that means a lot of items need to be put on the back burner.That is not help. If, I cant pay now because my work hours have dropped considerable, what makes them think I would be able to pay the 3 months in one shot? 
So, when I reached out, again, to my mortgage company, PHH Mortgage, I reached out by phone, email, by US postal service and by fax, no one answers, no representatives are available, no customer service, please call later the machine says but I keep calling to see, if they can place, at least 3 months to the back end of the mortgage. We are not asking for a freebie just to help out in this time of National Emergency. Modification with forbearance is called.

Company response to consumer: Closed with explanation