BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my Citicard XXXX XXXX before my payment was due on XX/XX/23 via online ( my payment due date is on the XXXX of every month ). I requested for Citibank to close my account on the same day ( XX/XX/23 ). The very next day, I paid off my entire balance on XX/XX/23. 

Today, I received a notification of my statement and noticed that they charged me interest on XX/XX/23. When I contacted customer service, they claimed I missed a payment or that it was late! On my statement, it clearly shows that I paid on time and didn't miss my payment. 

Then the representative claimed I missed or was late w/my payment in XXXX. I had this card for 4 years, and I've never missed or was late with any of my payments!

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This complaint was previously filed with PayPal and the CFPB per Complaint ID XXXX. When PayPal replied to the complaint with a non-sequitur, the CFPB improperly closed the complaint. This demonstrates a deficiency in the CFPB consumer reporting system.

The substance of the first complaint which remains unresolved is that the PayPal software platform permits unlimited numbers of pre-authorized invoices to be submitted for payment to user accounts with no recourse for users to report the pre-authorized invoices as fraudulent. In my case, XXXX such invoices were submitted for " XXXX XXXX '' when I did not engage any such company. Although I tried to report these invoices as fraudulent to PayPal using their Resolution Center, by calling customer service, and through their Chat Assistance, no support was provided. When I filed a complaint with the CFPB, PayPal responded with instructions to report the fraud using their Resolution Center. This is a non-sequitur because, as the information I provide pursuant to this complaint will demonstrate via attachments, the Resolution Center does not permit the reporting of pre-authorized invoices. When I tried to mitigate the impending fraud by removing payment methods stored with PayPal, I received a message that as long as inovices remained outstanding I was required to leave a payment method on file, nor was I permitted to close my PayPal consumer account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with PayPal Goods & Services and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called PayPal to dispute the money. PayPal said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through XXXX, with the contact information XXXX. I did that, but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, PRETENDING to be XXXX. They said " XXXX : for your protection, your {$100.00} payment to XXXX XXXX XXXX  was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refused to give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
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: Personal information incorrect

Complaint:
There is incorrect information on my credit 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 2023-10-30
Company: Carmen V. Porreca, P.C.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
A garnishment was taken from me by Carmen V Porreca PC. The amount taken was {$1200.00} from my bank account. It was taken for a hospital bill from XXXX in the amount of {$29000.00}. The bill was disputed in XXXX by a law firm I hired to clear my debts. I was considered indigent at the time of service and all my medical bills with that hospital were forgiven. Apparently, this debt was sold to Carmen V Porreca PC and they took the money illegally. The medical bill is XXXX XXXX XXXX and Carmen V Porreca filed a garnishment in a county I do not live, nor where the medical services were rendered. Per the county court where the garnishment was filed, they filed in the county where my bank registered agent was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: NFM, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on the house in XX/XX/XXXX XXXX The lender required an escrow account to be created. 
Closing disclosures shows {$1600.00} as an initial escrow payment at closing ( Exhibit XXXX ). This amount is also reflected on the first mortgage statement from NFM Lending ( Exhibit XXXX ). My first mortgage payment was due to NFM Lending and I paid it in full ( Exhibit XXXX ). The first mortgage payment to NFM Lending in the amount of {$2400.00} consisted of {$1900.00} for Principal & Interest, and {$490.00} for Escrow funds collected. Later my loan was sold to XXXXXXXX XXXX XXXX  XXXX XXXX XXXX and the 2nd mortgage was due to XXXX XXXX ( Exhibit XXXX XXXX. XXXX XXXX confirmed that only {$1600.00} was transferred to them by NFM Lending and they provided the statement ( Exhibits XXXX and XXXX ). 
I called NFM Lending and asked what happened to {$490.00} escrow funds that I remitted to them with the first payment. The first couple of agents said that NFM Lending transferred those funds to XXXX XXXX, which was a lie and as a matter of fact those agents were very rude and impatient. On XX/XX/2023 I called NFM Lending again and requested about {$490.00} funds that they took from me and did not transfer to my new loan servicer. XXXX, this is the name that the agent provided, said that NFM Lending used those funds to pay for my insurance and taxes for that property. When I requested the details which insurance ( insurance was paid by me in full from the closing funds ) and which taxes ( there are no taxes due for this property as of today, XXXX XXXX XXXX assessors page has XXXX amount ), all of a sudden she remembered ( no surprise ) and said that another colleague had the answer and that that another colleague one will call me next day ( she did not bother to clarify the phone number to call, just another lie ). By the way, XXXX was not helpful and friendly either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: PNC Bank N.A.
State: MI
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:
They have increased my monthly payments of {$50.00} to {$160.00} per month for no reason. My balance is {$1500.00}. There is no way any company can justify ripping off a customer this way this is horrible what they are doing it needs to stop and they need to be sanctioned for it. Also they did not cancel a charge to my account that I did not make some person from Arkansas made for {$17.00}. They still haven't done anything about that at all. Seems like their customers are just foder for theives to cash in on and get away with it. I think they need to be investigated for this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
Account Details : Collections Agency : XXXX XXXX Amount XXXX Background : I had disputed this collections account with the credit reporting agencies, and it was determined that the account should be deleted from my credit report. However, I recently discovered that the same collections account has been re-added to my credit report. 

Request for Action : I kindly request the Consumer Financial Protection Bureau to investigate this matter promptly and ensure the permanent deletion of the aforementioned collections account from my credit report. I believe the re-addition of this account is unjust and a violation of my consumer rights, and I seek your assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I always pay my monthly bill on online. XXXX I just happen to open my statement and the amount due is XXXX difference. XXXX and the phone system says my payment due on XX/XX/15 is XXXX ; however, my statement say I owe {$510.00}. When I called CarMax told me online doesn't show the amount due with the late fees. I told them that is misleading. 

Additionally, I have been paying a little more on my monthly payment. They told me if I don't make the payment XXXX  days prior to the next due date, the extra amount will not be applied to my late fees. I believe this is a UDAAP violation as I think I am paying my late fees with the extra money. Also, when I see my amount due online and it doesn't include an extra amount that is all I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2022-02-25
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XXXX 2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear Sir/Madam, I am writing to dispute the inaccurate information that XXXX XXXX XXXX Bank has reported to the credit reporting agencies about my account. I believe that the bank has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). 

XXXX XXXX XXXX Bank has failed to report accurate information to the credit reporting agencies, which has led to inaccurate credit reports and has negatively affected my credit scores. This violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, the bank has failed to conduct a reasonable investigation of my dispute regarding the inaccurate information reported to Experian, which violates Section 623 ( b ) of the FCRA. 

Furthermore, XXXX XXXX XXXX Bank has violated Section 312 of the FACTA by failing to maintain reasonable procedures to ensure the accuracy of the credit report information it provides to the credit reporting agencies. 

The bank has also reported different dates of last payment and last reported dates to Experian and XXXX, which violates Section 623 ( a ) ( 5 ) of the FCRA. This inaccurate information can lead to inaccurate credit reports and affect credit scores. 

Lastly, the bank has reported a late payment on XX/XX/2021, to Experian, when in fact, no late payment was made on the account. This inaccurate information violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA and can affect credit scores and lead to other negative consequences. 

These inaccuracies have had a significant impact on my life. I have been denied credit and have been forced to pay higher interest rates due to these inaccuracies. The inaccurate information has also caused me significant emotional distress and has made it difficult for me to obtain employment and housing. 

Therefore, I respectfully request that XXXX XXXX XXXX Bank remove the unverified collection account from my credit report, as required by law. I also request that the bank take all necessary steps to ensure that accurate information is reported to the credit reporting agencies in the future. 

Thank you for your attention to this matter. 

Sincerely,

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 2023-10-04
Company: MOHELA
State: CA
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:
Mohela continues to make me send them the same paperwork over and over again, representatives assure me online that everything is complete only to find out the next call weeks/months later that some more paperwork is incomplete or needs to be done again. Try to get a hold of a supervisor or senior advisor results in wait times exceeding 3 hours with noo options for call backs or other communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NC
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:
In order to REMIND the Equifax and XXXX Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that Equifax and XXXX BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
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 HAVE CONTACTED EQUIFAX MULTIPLE TIMES AND THEY HAVE FAILED TO INVESTIGATE MY DISPUTES. IVE PERSONALLY WENT TO A NOTARY AND NOTARIZED ALL MY PAPERWORK LETTING EQUIFAX KNOW THAT I AM THE PERSON DISPUTING THESE FRAUD ACCOUNTS ON MY CONSUMER REPORT! THEY HAVE FAILED TO UPHOLD THE CONSUMER LAW! EQUIFAX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). EQUIFAX HAS NO PERMISSION TO REPORT ANYTHING USING MY INFO WITHOUT MY WRITTEN CONSENT PURSUANT TO 15 USC 1681B. THEY HAVE BROKE THE FEDERAL CONSUMER LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: State Collection Service, Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
State Collection services spoofed their caller ID to appear as my girlfriends name. When I pressed them on this, they stated they had no idea what I was talking about, and claimed the number I was currently talking to them through was not one on their records. This is a bold face lie. Coincidently, my girlfriend works for the hospital that this debt is owed to. I believe they managed to use data without either my partners expressed consent to reach out to me illicitly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: DC
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief