BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-14
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.

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 2017-05-13
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: Public record information inaccurate

Complaint:
The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed.     Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed the charge from XXXX Concepts for {$6000.00} on XX/XX/XXXX with citibank credit card because I did not make the purchase. The owner of XXXX sent me text messages stating that it was charged to the wrong customer and it was immediately reversed. Citibank charged my account and would not reverse the charge. I filed a dispute on XX/XX/XXXX sending them text messages between myself and the owner of pitch concepts. They resolved the dispute in the merchants favor and held me responsible. I forwarded them email from pitch concepts on XX/XX/XXXX showing again that the charge was a mistake and was reversed. Citibank still has not resolved the dispute despite saying on their website that it will be resolved at the latest by XX/XX/XXXX. They claimed that the merchant is disputing the charge when I have have spoken to pitch concepts multiple times who have said citi bank has not reached out to them. Citibank is claiming that the merchant is lying to me. Pitch concepts have even offered to wire me the money and they will follow up with Citibank so they have no reason to lie to me. I have contacted Citibank repeatedly in the past XXXX months and they keep saying theyre working on it. I have asked the citi banks rep for proof their correspondences with pitch concepts merchant processor ( stripe ) but have not received any documentation from them. The supervisor at Citibank told me on the phone today that Whenever you have give your credit card to a merchant, they can charge your credit card any time for any amount and essentially said they will continue to investigate and if the merchant is disputing it, then youre responsible even though there is clear evidence that I was wrongfully charged. They have said multiple times they require no more information from me yet still wont reverse the charge.

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 2017-05-13
Company: WELLS FARGO & COMPANY
State: KY
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 formerly had a savings account with  Wells Fargo, that has since been closed. I just checked my credit report and saw that Wells Fargo  initiated a hard inquiry on my credit in  XXXX    XXXX   ( indicating that I applied for a line of credit from the m ). I never applied for or received a line of credit from Wells Fargo. I just contacted WF regarding this and they essentially said th ey could not give me any info and just gave me a fax # for a credit dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Ok so ny boss XXXX wrote me a check then I deposited it into my us bank account then one day this guy calls from the fraud department and asks if Im XXXX XXXX doesnt verify me the way they are supposed to and the guy ended closing my account they told me to step into my local branch to pick up my funds and they didnt want to give me my money affter I already had the issuing party contact them to prove it was authorized and they said there keeping my funds untill I can prove other wise I worked hard for that money and there just gon na close my account and keep 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 explanation
Consumer complaint received 2023-08-22
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I made 2 deposits ; 1 cash deposits XXXX, and a cashier check deposit XXXX with Truist. My account was closed for making those deposits.

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 2023-06-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Bank not processing my payoff payment for a QVC credit card. payment was due XX/XX/XXXX. paid the balance off using a new checking account and then when it was rejected I used the savings account. Both rejected. Routing number and account numbers were correct. First paid on XXXX then paid on XXXX, then again on XX/XX/XXXX. all were rejected. there is more than enough money in my account to cover this. When I contacted my credit union they told me no payment had ever been submitted, because if it had they could tell me what went wrong. I called synchrony on XX/XX/XXXX wanting to pay with a different bank, but because the balance said XXXX they wouldn't let me do it. So, now they have imposed a XXXX dollars late fee on the account. I have a message from my credit union telling me no payment had been submitted. These are very poor business practices. Now it will be a ding on my credit report and I didnt do anything wrong. I do not owe a late fee. I have reported them to the FTC and will also report to the XXXX XXXX XXXX. Ps this account was never delinquent, payments were always made now they close the account because I opened a HELOC to pay off all my bills.

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 2018-10-28
Company: MIDFIRST BANK
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been battling my mortgage company ( XXXX XXXX ) for almost two years now. Last year they assessed fees on my account for what they claimed to be related to them having contractors perform maintenance on the residence. We were in the process on doing construction on the property when they came out and changed the locks. One day we came home and actually found people in the home who claimed to have been sent by the mortgage company. We called the police and filed a report and the men in the home were ordered to leave. Afterwards we called the mortgage company to find out exactly what was going on and they thought the home was vacant and that we needed to provide utility bills to show that we were still living in the residence ( which we did ). Shortly afterwards we starting noticing that our monthly statement included misc fees that no one could explain to us. I called several times and spoke to several people over several months, but never got any resolution. The mortgage company claimed that the fees were from their contractors coming out and doing repairs to the property and maintenance. This was a totally fabricated story because we paid to have repairs done to the property and lawn maintained ( which can be proven with receipts from the service providers ). As of today 's date they are threatening foreclosure, not due to the fact that we haven't paid but because of their wrongful fees that they've assessed to the account. I would like to keep the home that I've owned for over 10 years now and need some help fighting this company.

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 2023-08-22
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new vehicle in CA XXXX from Hyundai and have been having issues related to having the title transferred to my home state of TX. I am unable to get ahold of anybody when I call the customer service line. I completed the title transfer application on the Hyundai Motor Finance website almost 6 months ago and have not heard anything in regards to the title transfer status.

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 2023-10-05
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX  account number 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. States a consumer reporting agency can not furnish an account with my written instructions.

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 2023-03-08
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: Information belongs to someone else

Complaint:
My signature was forged on the fraudulent retail installment agreement. Communication was sent to the dealership to rebut about this fraudulent activity via USPS certified mail with proof of delivery confirmation. No response to resolve the situation was done by XXXX XXXX XXXX. A complaint XXXX was filed with the NY Attorney Generals Office and I received correspondence requesting documents to contact them on my behalf to remedy this serious situation. The dealership did not respond to the NY Attorney Generals office and I was advised to proceed with litigation. XXXX XXXX XXXX XXXX is aware, was not present at the alleged contract signing and been informed multiple times about this fraudulent account. However, knowingly and willingly are still trying to coerce me to pay an alleged debt I do not owe. XXXX XXXX XXXX XXXX has failed to prove proof or validation. Note : A copy or a consumer credit contract, agreement, or statement is not sufficient to validate debtor liability -it must also include an affidavit executed by someone with first-hand knowledge about how the debt was incurred. Account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: CBC Companies, Inc.
State: MS
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:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. 
I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Experian Information Solutions Inc.
State: MA
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 have sent the company two certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to XXXX XXXX. Both companies have yet to provide any validation bearing my signiture. After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.

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 2018-10-28
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Please see attached XXXX Police Report Pages 1 -10 ; www.IC3.gov FBI internet crime Report pages 1-7, FTC report number I am a victim of a Grand Theft California Penal Code PC 487 grand theft level : felony. 

Google Play Account Holders falsely representing themselves as " XXXX Support '' and scammed me our of {$2000.00} on XX/XX/2018. 

Per XXXX Police investigation " Google Play '' has data access to track purpetrators and track transaction details to dispute and credit the {$2000.00} charges to include 1.The actual data entered by the user to get a Google account 2. The email for the Google account user 3. The IP address for the user regarding all transaction on the Google account including email purchases playing from remote devices etc. 4.The end IP addresses for all email and messages sent from google account users 5. The actual emails and messages and contents there of that were sent received 6. The physical location of the users IP addresses that Google logs for each search each purchase and any delivery 7.The type of purchases, products, services but through the Google account and any clues that might collectively provide 8. The type content and language is used including syntax of words and phrases search through any of Google search engines while logged into the Google account I have brought up all these issues to google play at XXXX they provided me with a report number but have failed to give me any sort of refund I am requesting and demanding an immediate refund of {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: CA
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 XXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2023-01-25
Company: The Outsource Group, Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Medicredi printed on XX/XX/XXXX indicating that I owed XXXX XXXX XXXX XXXX XXXX XXXXXXXX Oregon {$10.00} for a XX/XX/XXXX service date. The Mini Miranda was not on the letter I received from them. 

I spoke with XXXX at XXXX XXXX XXXX XXXX billing department on XX/XX/XXXX and she showed that this debt was paid. This was originally from a co pay I owed for services which totalled {$50.00}, but the hospital has a program where if you pay completely up front they give you a 20 % discount - making my total due {$40.00}, which I paid on XX/XX/XXXX and I owe them no money. I informed her that this collection agency was trying to collect this debt, she said she would escalate it to her Manager. 

I spoke with XXXX with Medicredi on XX/XX/XXXX and informed her about my conversation with XXXX and that this debt was disputed as paid. XXXX did not give me my mini miranda about being a debt collector and any information collected would be used to collect this debt until we started discussing it, after she took all my personal information from me and made me verify myself ( collecting data ). She also said that she would only NOTATE my account about this dispute and that collections would not stop. Their letter indicated that I could call or write to dispute the debt as long as it was done prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Southwest Credit Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my   XXXX   XXXX    account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: CL Holdings LLC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-13
Company: Investigative Concepts, Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The criminal investigation is totally wrong.What you see is only partial and the dates listed for the offense is wrong.In fact older than 7 years, which should be invisible to employers.   Information to be corrected : 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date  :  XX/XX/XXXX   Release  Date  :  XX/XX/XXXX   XXXX  Date :   XX/XX/XXXX   2 )   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date :  XX/XX/XXXX  Release Date :  XX/XX/XXXX  XXXX  Date :   XX/XX/XXXX  W hat the   XXXX   were,  1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) (   Washington State    )    XXXX     XX/XX/XXXX     XXXX   Date :   XX/XX/XXXX  rel ease dat e: XX/XX/XXXX  2  )   XXXX   XXXX     XXXX    XXXX   (    XXXX   XXXX   XXXX   ) (  Washington State  )   XXXX     XX/XX/XXXX    XXXX  Date: XX/XX/XXXX  release date: XX/XX/XXXX

Company response to consumer: Untimely response