BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: U.S. BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Subject : Asking a help for finding US {$40000.00} Dear President of CFPB & US Bank, My name is XXXX XXXX, XXXX XXXX, Female. 

I am asking a help for finding my money US {$40000.00}. 

My account information is as the following ; Account Name : XXXX XXXX ( SSN-XXXX  ) Saving account : XXXX Checking account : XXXX I transfered my money {$40000.00} from account of US Bank at XXXX downtown to XXXX XXXX XXXX ( XXXX ) which mergered with XXXX XXXX. 

New bank name is XXXX XXXX XXXX. 

Account number of remitment was XXXX ( KEB ) After all, the account number doesn't exist any more. 

Current my account number is XXXX, XXXX XXXX XXXX, XXXX XXXX. 

The money came from that I remittanced the money from XXXX XXXX my account at XXXX after I traded out some stocks to my accounts of US Bank. 

But the money disapeared away in the air. 

The story what I was taken out of US ; I am an XXXX XXXX in University of XXXX  at XXXX ( XXXX ). 

There was a misstake for ragistering classes between me and XXXX. 

I registered classes for spring semester XXXX, but somebody deleted it. 

As a result, I was XXXX  by two police men of XXXX as illegal XXXX. 

And I was taken out of america after I was XXXX XXXX XXXX for 6~7months in XXXX. 

I got back to XXXX the end of XXXX, XXXX. 

I've gotten an " XXXX '' partially as I got lots of shocks by the horrible circumstance in XXXX. 

So far, because of that I couldn't remember about that. 

Please help me for finding my money as soon as you can, then I'd really appreciate it. 

Thanks for your cooperation. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Cell : ( XXXX ) XXXX email : 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 2023-11-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email on XX/XX/2023 stating my account had been closed. I immediately contacted Citibank, because I did not request for the closure. I am a victim of identity theft. Someone attempted to gain access to my account and when they were unsuccessful, they requested the closure. They then attempted to apply for a new Best Buy card again using my information. 
I filed my complaint with Citibank 's Executive Response team and with the Better Business Bureau. Their only response is that they did nothing wrong. The caller had the right information to request the closure and I can apply again. Of course they have my information. It was stolen! 
It's not a matter of blame, as Citibank would like to focus on. This is my life and my credit that I have worked hard to establish. It is my second longest account. As a consumer, I am being victimized by a scammer and then by this business and they wipe their hands and say " Sorry, too bad for you ''. It is not fair that a fraudster can potentially close down ALL of my accounts because " they had the right information. '' Am I supposed to be ok with that?! Where is the protection for account holder?! Here I am again seeking for Citibank to do the right thing and take care of their loyal customers. Since I see this is going back to Citibank, I'm wasting my time. Where is the checks and balances of these banks?!

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be updated promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Company: Experian Information Solutions 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX and 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 2023-07-20
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is relating to a business account- XXXX, XXXX XXXX, and XXXX XXXX which was incorporated in XXXX under XXXX XXXX XXXX. The relevant account is a checking account ending in XXXX. 

On XXXX I discovered several declined payment emails from vendors. I logged into my account and realized I had no access to the checking account which had a balance of circa {$80000.00}. I immediately contacted the bank and I was informed that the account had been closed and no information could be provided. It was suggested to me that I contact a branch office. I quickly attended the branch closest to me, and again I was told that they could not give me information as there was no XXXX or supervisor at the branch. They were all in meetings. I was given a number to call and on that call, the representative I spoke to, advised that no information could be provided as to the reason behind the account closure, and that the bank could close my account without reason and this was based on a US Bank policy. They had decided to sever the relationship with my company. She added that a check for the balance on my account had been overnighted to me. I was confused and had no further information as to why the bank had unilaterally decided to server the relationship with a business account serving multiple employees. To date, I have received no further information, I have no access to my bank statements, and Im unable to reconcile my accounts. I had selected the paperless option and as, this was unexpected and no notice was provided to me regarding the closure of the account, I was unable to download my statements prior to account closure. This is now XXXX of my very crucial concerns. Overall, I demand more information as to the reason for the account closure, I would appreciate all of your help. 
Thank you. 
Sincerely 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 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/18 I applied based on an offer from Capital One Auto Finance via their electronic application process. I received an approval and the contract to electronically sign and return. I did so immediately. The actual document and email I received stated Congratulations your application has been approved. 

On XX/XX/18 I received a call from a representative with Capital One Auto Finance stating they were not going to fulfill their agreement of the approval because I had a dismissal on a Chapter XXXX. I asked for a supervisor and spoke with a XXXX at XXXX extension XXXX who stated they would not proceed even after I received full confirmation of an approval. 

I have the email and the cover letter and the Loan and Security Agreement to validate my concern and claim. 

This is an unfair practice to have me approved, sign loan and security agreement disclosures and then call me to cancel the agreement. If the shoe was on the other foot I am certain they would say well you agreed and you have to meet the terms ; so should they be compelled to honor their agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Kikoff Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I NEED help getting this off my credit report by these CRIMINLAS, KIKOFF LENDING. There is no record for me opening, paying to join, or paying a fee to KIKOFF, yet it shows I made payments in XXXX, AND XXXX and missed a payment in XXXX. Account supposedly opened XX/XX/XXXX, yet showing a first payment made on XX/XX/XXXX, followed by payments in XXXX ( not reflected in any of my bank accounts anywhere ). That is the FIRST RED FLAG AND FLASE REPORT. I HAVE SENT NUMBEROUS EMAILS, MAILED PAPER LETTERS, CALLED, ETC. TELLING THIS TRASH COMPANY THAT THIS WAS NOT ME AND SHOWING PROOF THAT I ASKED FOR THIS TO BE CLOSED AND IMMEDIATELY DELETED IN 2 SEPERATE EMAILS IN XXXX AND YET YET AGAIN IN XXXX AFTER SEEING THIS WAS FRAUDULENTLY OPENED IN MY NAME ( TO WHICH I GET NO REPLY ). I didnt use THE {$250.00} from KIKOFF THEY CLAIM AND ARE CHARGING ME XXXX A MONTH FOR. THEY ARE DESTROYING MY LIFE OVER XXXX dollars! THEY ARE SICK! I wouldn't even know where to go to pay this. I am starting a petition to make sure these CRIMINALS get shut down and REMOVE the false information on my credit report. Please do research and see there are THOUSANDS OF PEOPLE IN MY SHOES WHO HAVE BEEN VICTIMS TO THIS SCAM. I did not open this account, I asked for it to be deleted in XXXX and XXXX. Account should have been deleted LONG BEFORE MY " MISSED PAYMENT '' THEY REPORTED FOR XXXX. I wont stop until this XXXX is 100 % off. This is illegal and erroneous reporting. They are fraud. I've asked NUMEROUS TIMES to be provided proof of my signature for this " loan '' and PROOF OF the {$250.00} used and have got nothing in 6 months. They have no working phone number. EMAILS GO UNANSWERED OR ARE ANSWERED BY ROBOTS and it seems theyve blocked my emails now. Please help. Attached are emails to them in XXXX and XXXX that went unanswered asking to close this account, a formal police report Ive filed and submitted to them for fraud/identity theft. Please do your due diligence. I BEG YOU TO HELP REMOVE THIS MISSED PAYMENT AND this entire ACCOUT IN FULL OFF OF MY CREDIT REPORTS AT ALL BUREAUS. I have attached a few emails but have HUNDREDS more. I DO NOT OWN THIS ACCOUNT. I have PERFECT payment history, I wouldnt skip a {$20.00} payment. It has ruined my life and credit bc now I lost the home I was purchasing bc it dropped my score XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-20
Company: GOLDMAN SACHS BANK USA
State: NY
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:
I scheduled a monthly-balance pay in full payment of {$13000.00} to my Apple Card by Goldman Sachs XXXX Apparently I also accidently scheduled an additional payment for {$8300.00}. While the payments were still pending on XX/XX/2023, I called Apple Card Support at Goldman Sachs and told them I needed to cancel the {$8300.00} and only meant to pay the {$13000.00} to avoid interest. They said that wasn't a problem and submitted a " payment inquiry '' and said the {$8300.00} would be cancelled and not to worry about it. Then both payments came out of my checking account, the {$13000.00} was sent back as insufficient funds. I was then charged interest. I reached out again via Apple Card XXXX Text on XX/XX/2023 and said I was told incorrect information costing me interest. They said they will submit another " payment inquiry '' and fix it and refund the interest charges. This never occurred. I called a few days later again and they said all of that information was correct and there is nothing they can do about it. I was charged {$120.00} in interest, and another {$75.00} in interest is pending, when I never carried a balance over from a prior month before and never paid interest. I need the interest charges back and I need the balance to stop revolving. If I would have been told correct information I could have transferred money from my savings and avoided the fees. They gave me incorrect information, costing me fees. I believe this is against UDAAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-26
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I started my complaint approximately XX/XX/2019. I paid a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ; which was recommending to me by XXXX   XXXX XXXX XXXX formerly XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , came on behalf of XXXX XXXX XXXX and gave a written estimate for {$2500.00}. He received a deposit for {$1500.00} ; check # XXXX on XX/XX/2019 and the balance for {$1000.00}, check # XXXX ; a metal part ( track repair ) {$80.00}, check # XXXX. XXXX XXXX DID NOT COMPLETE/FULFILL his contract responsibilities. When I called Suntrust Bank to put a stop payment on the checks ; I WAS TOLD I COULD NOT. I told them that this person, XXXX XXXX XXXX committed fraud. The company XXXX XXXX XXXX XXXX did not exist. I filed a police report, I filed a complaint with XXXX XXXX XXXX XXXX, I contacted the Ga Secretary of State. I filed an Open Records Request with Suntrust Bank by Faxing to all the fax numbers they gave me. I sent a message through my online banking access to no avail. All they sent me was a STANDARD FORM LETTER and it wasn't signed. You violated my rights a banking customer and consumer. The Open Records Request was asking " Where did the Money Go ''? Suntrust Bank said they were assigning an investigator within 15 days. It took over 30. I faxed Open Records Request to ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019 ; called ( XXXX ) XXXX option # 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 2022-07-26
Company: AG AH LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I Got a mortgage from ARC HOME, LLC Back on XX/XX/2022 and my payment is due on XX/XX/2022 I've been calling the mortgage company to know how to make a payment since I haven't received any letters explaining how to make a payment. I get hanged up on when I call or they get my information and tell me that a manager will be contacting me regarding that issue I never get a call back and my issue is not resolved and I'm worried because my payment is going to be due in 3 days and I don't want them to report it as a late payment please assist. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2020-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX  and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$2400.00}

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 2023-08-18
Company: Experian Information Solutions Inc.
State: PA
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:
hard inquiries that i dont recognise and need this off my credit report 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 2023-08-18
Company: Experian Information Solutions 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:
I am submitting this dispute after submitting one on XXXX XXXX. The previous dispute was missing a key piece of information to best defend my reasons in my dispute. Take this dispute as the more updated accurate account. 

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair, but they have been negligent in complying with my request. 
The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and 3 FTC reports related to this dispute are attached.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: OH
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:
There are unknown accounts that are being reported on my credit report. I have not applied for these nor I had any business with these companies.

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