BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-14
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In response to a splash invitation when I was online with citi.com, on XX/XX/XXXX, I opened a Citi XXXX XXXX. However, because of an erroneous fraud suspicion on their part, Citi closed my account after a few days, and froze over {$91000.00} that I had on deposit, and sent me a lame letter ( dated XX/XX/XXXX ) with very little information about why this action was taken and when I would get my money back. When I tried several times calling Citi customer service lines ( including the number listed on the letter ), I was given patronizing evasive answers with only the information that a check would be sent to me within 30 to 60 days. When I elevated the complaint to a supervisor, the supervisor told me a different department was handling the matter, and gave me the same number to call that I had already tried. 

On XX/XX/XXXX, I filed a complaint with CFPB ( XXXX ). Citi responded with an email on XX/XX/XXXX. Because Citi responded, CFPB closed the complaint. But Citi 's email did not refund my $ XXXX nor resolve the issue. Instead, in order to consider expediting my claim, Citi requested more info from me ( statements from the source fund banks from which I had transferred the funds for my new Citi account ). I emailed Citi the requested scans of my funding accounts on XX/XX/XXXX, and received a confirmation from Citi that the scans were received. 

Instead of expediting my claim, Citi used my cooperation as an excuse to reset their response timetable, because when I called after a few weeks to request an update on my case, the representative reported that Citi was now reviewing the scans I had emailed, and would respond within 30 to 60 days. 

According to the original letter received from Citi dated XX/XX/XXXX, my funds were promised to be returned to me within 30 to 60 days. But I still have not received the refund. 

In summary, Citi baited me to open a new account, promising an opening bonus ( XX/XX/XXXX ). But, for no reason, Citi closed the account, citing their right to close my account for no reason ( XX/XX/XXXX ). If my funds had been returned immediately, I would not have complained, as I need the money for a house purchase in process. 
But Citi froze my funds, promising to mail a refund check in 30 to 60 days, but refusing to answer my legitimate questions and demand for an immediate refund. Only after my complaint to CFPB ( XX/XX/XXXX ), did Citi give some response, but rather than giving me a refund, Citi just demanded more documentation from me ( XXXX ), which I provided ( XX/XX/XXXX ). But now, after I inquired about an update from Citi on XX/XX/XXXX and XX/XX/XXXX, Citi is just continuing to further temporalize.

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 2022-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I continue to ask both the credit agency and the furnisher, to please provide me with verification of the debt in question, because I have an adult son with the same exact name. XXXX continues to put addresses that I have not lived at, but my son has on my credit profile. When I have reached out to both about not only the method or verification, but also some kind of proof. 
They both just send me letters saying it has been verified. I sent these same issues to XXXX and they have all been removed. XXXX and XXXX continue to play these games saying its been verified or they update it with even more wrong information. 
I have attached screen shots from both credit bureaus of the accounts in question, and Im asking for physical proof to not only be sent to me, but also a copy sent to the CFPB as well. I want all these negative accounts that have no proof of belonging to me removed from ALL my credit reports. 
XXXX XXXX  XXXX not only have different dates closed, and is also missing payment history, and the information on the account is incomplete. Offer some physical proof this account does indeed belong to me or remove it! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX is also missing information on payment history. Please provide some physical proof that is account belongs to me, or remove it! 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX this account is showing different close dates and missing payment history. This account is incomplete. Please provide physical proof this account does belong to me or remove it! 
XXXX XXXX XXXXXXXX Is missing payment history, shows inaccurate information and shows late 120 days back-to-back months. Please provide physical proof this account belongs to me or remove it! 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows inaccurate XXXX shows the account closed XX/XX/20 and XXXX shows it closed in XXXX with back-to-back 120 months. Not sure how this was verified as accurate with all this mistakes. Please show proof this account belongs to me or remove it! 
XXXX XXXX XXXX This account is on my report multiple times with different information. I have an active XXXX account that I sin good standing and they have this mixed negative account on my reports also. I have missing information, inaccurate information. Please provide proof that the NEGATIVE accounts on my account belong to me with some kind of physical proof. If not remove the NEGATIVE accounts from my profiles! 
Portfolio Recovery Associates # XXXXXXXX This account is missing payment information, and has yet to verify that it belongs to me. Please provide some type of proof this account belongs to me. How was it opened and closed in the same month with missing payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A communique/notice was sent to Capital One Bank XXXX informing their representatives of the following events, on XX/XX/2023, and XX/XX/2023 the " Consumer /Applicant, XXXX XXXX, SS XXXX XXXX, ( Application XXXX ) requested for a line of credit and was unjustifiably denied ( an extension of credit ), in contravention to Sec. 1002.7 ( a ) 12 CFR ( A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ) Respondent, please be advised that the open end consumer credit plan, under the laws of the CFPB ( Sec.1602 ( j ) of Title 15 USC ) in which the Consumer/Applicant, XXXX XXXX, XXXX XXXX under, can't be denied credit ( for " faithfully exercising his Rights or any other prohibited basis ''. ) under the Equal Credit Opportunity Act. [ Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ]. 
The XXXX XXXX XXXX  ) ( after being provided with proof of employment and banking statements ) were advised that any violations of the Equal Credit Opportunity Act [ Sec. 1691 of Title 15 USC and 12 CFR Part 1002 Regulation B ], regarding the unjustifiable denial of consumer credit to an Applicant/Consumer ( within the scope of Sec. 1002.7 ( a ) 12 CFR and Sec.1602 ( j ) of 15 USC- an open end credit plan and open end consumer credit plan ) is a violation of Federal Law and a breach of your fiduciary duty under the XXXX and laws of the CFPB Civil Liability for willful noncompliance can be found under Sec. 1681 ( a ) ( 1 ) ) A ) and under Sec. 1691 of 15 USC. 
The applicant/consumer, XXXX XXXX XXXX XXXX for the creditor to kindly to reconsider his or her recent decision and extend the line of credit to the applicant/consumer, XXXX XXXX upon the receipt of this notice and request for reconsideration or XXXX provide him with proof that the laws enumerated herein ( Sec. 1691 ( a ), ( 3 ) of Title 15 USC and Sec. 1002.7 ( a ) 12 CFR ) .do n't apply to this financial institution and the denial of credit did not violate any federal laws before responding with a final decision The representatives of Capital One Bank XXXX disregarded my attempts to rectify and resolve the problem and denied the applicant for BIAS and or PREJUDICE reasons ( in a reply email ) asserting that the applicant ( with a XXXX XXXX score, and a customer of the bank, with a checking and a savings account in excellent standing ) was not Credit Worthy . Notice was sent to several representative of the Financial Institution, XXXX XXXX and the notice and warnings were all disregarded,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 noticed a few Accounts reporting on my credit report that I am not familiar with

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 2023-04-18
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Cashap wouldnt provide me with any explanation of the denial of my dispute when they have too or else how could they denie my dispute when I have not received service that I paid for and canceled the service yet still was being charged and I contacted cashap to dispute and they been denying my dispute with no further explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Credit reporting agencies provided my information without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section it states a consumer reporting agency can not furnish a account without my written direction or instruction.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Americas Car-Mart, Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a loan for a XXXX XXXX XXXX thru car mart located in XXXX mo in 2019. I had the XXXX for a week and the front end would make a very loud pop coming from the suspension when braking. I brought it back to them which I got hassled about it but they told me to leave it there. I came back next day the manager said they checked it out and they found nothing wrong. I took the vehicle and on the way home it popped again and over the next weeks it got worse. I finally called them and told them I didn't want it if they didn't fix it which I missed a payment they repoed it but they said they looked at it again and they didn't find nothing so I made the payment and got car back. It got worse so I told them I did not want it. They said no problem .I made a XXXX down payment plus 2 paymentswhicj my payments were {$450.00} a month They came got it they resold it and I was out {$1600.00} and got a report on my credit I'd like to have my money back and the repo taken off since they turned around and resold it and took my XXXX for a lemon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-07-08
Company: Netspend Corporation
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My checking account is through skylight netspend account. For some reason my card got hacked ( transactions from XXXX ) and of course I disputed it! They told me it will take 10 business days for me to get an update or provisional credit. I call for an update and now theyre saying that due to me not sending an letter of dispute ( Which was never told to me as a step that was needed ) I have to wait until XXXX for an update on my account! I have bills and everything that Im falling behind on because some one hacked my card! I didnt lose it, and I didnt give out information. I even spoke to a supervisor to see if I can send the letter now due to me being told misinformation so I can get my money as fast as possible and they basically said Im XXXX until XXXX of this year. This happened in XXXX so this is a 3 month time frame for something that ruined my life in a matter of a day. My landlord doesnt care that my card got hacked! I have fees for not being able to pay my bills! This is such a ridiculous way to do business! Especially if you see on your systems that I was told incorrectly!

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 2022-11-14
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/22 I file a complaint ID XXXX and is closed, with a company response, " PHH '' will take care of the existing issues, however, until this date, XX/XX/22 they do not take care of the issues, just to named, Line the Credit and Property Taxes. PHH transferred the Loan to HUD, without providing me with any transfer disclosure. I call ( PHH ) XXXX XXXX and I was not able to get an explanation, they just give me a HUD telephone to call. Please I am a sXXXX XXXX XXXX  XXXX I need assistance I appreciate your response. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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/22, I noticed a charge on my Bank of America XXXX XXXX, placed there by XXXX XXXX ( which I did belong to last year ) but these charges were for {$190.00}. For the upcoming year. I do not recall giving XXXX XXXX permission to automatically charge my card for the upcoming year. 
( XX/XX/22 XXXX XXXX {$190.00} -- - Reference no. XXXX. 
By email, I contacted XXXX XXXX, and told them I wanted the upcoming member ship cancelled, and the {$190.00} refunded back to me. 
I received an email from XXXX, indicating my membership had been cancelled. 
I received no refund of the {$190.00} from XXXX. 
I contacted Bank of America, XXXX on XXXX at XXXX pm, and spoke to XXXX, and explained the problem, that the amount needed to be put into dispute, as I was due a refund of {$190.00}. 
As of XX/XX/22 there is NO credit of {$190.00}. On my online Bank of America statement. 
There appears to be no DISPUTE in process. 
So my call, of concern, to XXXX was placed in vain. Bank of America did nothing. 
WHAT I WANT I want the {$190.00}. Removed from my statement as a charge. 
I HAVE the email, sent to me, by the XXXX XXXX, indicating my account is cancelled for the upcoming year. 
Now I need my money refunded.

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 2023-04-18
Company: OneMain Finance Corporation
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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!

Company response to consumer: Closed with explanation