BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Citi XXXX credit card. 

Dispute XXXX I purchased a plane ticket through XXXX to go to the XXXX on XX/XX/2022 the flight was supposed to be for the month of XX/XX/2022. 

Due to the quarantine protocols in the XXXX which requires to stay in a facility for at least 5 days for all international travelers, I have to cancel the flight and the ticket as I have XXXX XXXX medicines that requires refrigeration and was afraid the quarantine facilities do not have refrigerators inside the rooms. 

I called XXXX to cancel the flight immediately but can't contact them, so I called citi XXXX card customer service to cancel the flight on my behalf and was told by customer service they would. 

Then I saw on the citi card mobile app that the charge was reversed the amount of {$3800.00} During this time the quarantine protocol in the XXXX changed and staying in a quarantine facility is no longer needed, so it was safe for me to fly and go straight home to my elderly parents house who I haven't seen in 3 years. 

I booked another flight since my previous flight was already cancelled by citi XXXX and stayed in the XXXX for XXXX weeks. 

I just got back to the XXXX on XX/XX/XXXX, and saw the charge was put back to my account again. 

Also, that I have till XX/XX/XXXX to respond to the dispute, but I lived in a remote area in the XXXX where internet connection were choppy at best so I wasn't able to see the message that was telling me about the charge of {$3800.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-22
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My brick was messed up from the hurricane in XXXX of XXXX My lawyer got us a settlement and my portion of it was $ XXXX. I received $ XXXX. This new mortgage company that took over in XXXX has held the remaining XXXX XXXXXXXX requesting other repair documentation before releasing funds. I explained that this was a settlement and not just a repair check. Now its almost two months and they arent budging. I requested to hire an inspector but they need documentation first. I still owe my brick contractor $ XXXX and he will put a lien on my house if something dont happen soon.

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 2018-07-26
Company: Diversified Consultants, Inc.
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX at XXXX was the first phone call from a Diversified consultants calling from phone number XXXX, calling my phone number looking for XXXX XXXX . I XXXX XXXX answered the phone and told the lady he doesnt live here please dont call here. Then XX/XX/XXXX at XXXX they called again from XXXX looking for XXXX XXXX this time I hung up. Then XX/XX/XXXX at  XXXX a lady called again from the diversified consultants this time from XXXX i told her XXXX XXXX Does not live here she said she would remove the phone number from the list. Next day XX/XX/XXXX XXXX am a lady called again this time from XXXX from diversified consultants. I said again he doesnt live here and hung up. Then at XXXX same day XX/XX/XXXX they called again this time I ignored the phone call. Just because I have the same last name as this XXXX XXXX does not mean that he lives here! I do not want them harrassing me for someone elses debt. I then called the number back twice at XXXX XX/XX/XXXX and used the automated system to remove my phone number from the list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: National Credit Adjusters, LLC
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: Account status incorrect

Complaint:
On XX/XX/2022, The account was paid in full for {$770.00} to the collection agency National Credit XXXX ( NCA ). However, NCA continues to report the status of the account as collection/chargeoff. I contacted NCA to dispute my account was not a collection/chargeoff, and I paid the amount in full and requested it is removed from collection status as a chargeoff. NCA informed me it was their policy not to remove the account from collections/chargeoff status even when paid in full. I disputed the credit report with all three credit reporting agencies, XXXX, XXXX, and XXXX, to no avail. All they did was send a request to NCA to update the report regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was contacted yesterday by " XXXX '' at XXXX XXXX. EST. I had just filed my taxes and was dealing with a new auto loan so I was expecting calls. When I answered the phone, she said it was being recorded. I asked who this was, and she kept repeating the question of " Is this so and so '', my full name. I refused to answer and I kept asking who is this? until she finally answered something like " I work for ERC ''. I did a quick XXXX XXXX and ERC shows up as an IRS ( government ), therefore I confirmed the zip code and city of the address she was providing. They probably do this on purpose. Only after consistently trying to hide who she was and why she was calling, did she reveal she was a debt collector. She recorded my address and requested information without letting me know who she really was. On top of that, this is a very old " debt '', that is not actually a debt. I do not owe them money and I refuse to have anything to do with that company. I have documents proving this but I am hesitant to go to court over XXXX dollars. XXXX ruined my business. Their technicians even gave me their personal numbers so I didn't have to deal with them because of how horrific they treated me. I cancelled my plan and their incompetence led to a false balance. I overpaid for services I did not receive and their lack of service led to the destruction of my business. I have no issues/debts with anyone else. I will never send XXXX a dim. They should reimburse me for the THOUSANDS they lost me. 

According to FTC 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents 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 2022-11-13
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed under XXXX XXXX XXXXnd validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a XXXX validation letter was sent out on this day. After reviewing the credit report again on XX/XX/2022 there have been no updates and the account is still reflecting on the report. I do not believe that the creditor has authorization to access the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX is asking me to pay XXXX $ amount that I never received from them this debt it is on my credit collection and making me angry because I never see this company before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Chime Financial Inc
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I disputed several transactions totaling {$6400.00} that took place in XXXX while I was incarcerated in the state of XXXX. Apparently transactions show that my roommate was able to log into my account collect unemployment and then make transfers to her cash app account. She also changed my contact information, my address, my phone number, and even was able to get a debit card sent to her house. Also she forwarded my mail from my mailing address to her house and was able to get a US government check a stimulus in the amount of {$1400.00} in my name forge my signature and cash that check using Chime. All of this money was either spent using the debit card or transferred to her cash app account and chime did nothing but accept all of this and allow it. I was released from incarceration XX/XX/XXXX at which time I noticed all of this fraudulent behavior and contacted Chime and started disputing it over the course of the next few months presenting documents proving that I was incarcerated and they continue to deny my claim. I do not understand how it is possible that someone is incarcerated and unable to access bank account yet they allow all kinds of fraud to go on and not return my money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Linebarger Goggan Blair & Sampson LLP
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
LInebarger Goggan Blair & Sampson LLP repeatedly attempt to collect on a debt for XXXX XXXX  XXXX that I have proven repeatedly was discharged in a bankruptcy. I have certified mailed them the bankruptcy documents repeatedly, beginning late 2016, when they first attempted to collect on this discharged debt. Also, at that time, they were not licensed to operate in New Mexico. They are again attempting to collect on this debt, calling it a Notice of liability, claiming to collect for the XXXX XXXX XXXX. They are harassing me, and threatening to put this on my credit report as a valid debt ; all the threats they previously made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Citi Bank locked my wife 's 4 accounts and my 1 account on ~ XX/XX/. 
On XX/XX/XXXX, my wife contacted Citi Bank and was transferred to several departments, ultimately Fraud, and worked with the representative to clear the fraud concerns. 
XXXX XXXX, Citi Bank and my wife all concluded to reinstate the accounts. My wife in short had to transfer XXXX to place on a new car XXXXdown payment ) as we awaited XXXX to send checks for totaled vehicle. 
Then my wife deposited the first XXXX of XXXX back into Citi Bank savings and the account was flagged. 
This was all discussed and cleared for reinstatement on XX/XX/. 
The ( Back Office ) for Citi Bank still closed the accounts, locking our " XXXX from us, not allowing us to have the funds for 30-60 days. 
Citi Bank also neglected to share with us the reasoning for the closing of accounts as they only said fraud. Stating you will get a letter in the mail. 
This does not help us as they have `90 % of our liquid savings and there is no reasoning for fraud as documented with several Citi Bank representatives.

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 2022-12-28
Company: Maximus Education, LLC dba Aidvantage
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, U.S Department of Education : # 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 explanation
Consumer complaint received 2020-12-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I enrolled this offer by XX/XX/2020 ; Citibank  Promotion sent to me over email : " Earn XXXX Bonus Points after spending {$1000.00} in purchases within 3 months of account opening, redeemable for a {$150.00} gift card at XXXX '' ( original citi promotion email attached ) I have confirmed with Citibank through online banking chat regarding my enrollment of this offer. 

I have met all the requirements to obtain the promotion bonus ; I have made a purchase in amount of {$1500.00} on XXXX2020 using my Citi Reward+ Card. 

I have not received the promised XXXX Bonus Points until now.

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 2019-10-14
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I XXXX XXXX recently pulled my credit from XXXX XXXX XXXX And upon me reviewing my credit report I stumbled across this BK REFERNCE # XXXX I wrote letters to the UNITED BANKRUPTCY COURT XXXX DISTRICT OF ILLNOIS ON XX/XX/2018 in reference to this BANKRUPTCYMREFERENCE # XXXX. I received a letter from the Bankruptcy Court on XX/XX/2018 informing me that they do NOT perform activities with the credit bureaus. And informed me to contact the individual credit bureaus for their procedure for removing my bankruptcy filing from my report. So on XXXX XXXX,2018 I wrote to the 3 credit bureaus XXXX XXXX & EXPERIAN informing them of the information the Bankruptcy Court gave me about them not performing any activities with thXXXX 3 Credit   Bureaus. And on XX/XX//2018 I received a letter from XXXX informing me that they deleted the Bankruptcy from my credit file. I also have a letter from XXXX XXXX stating I have opt out and put a security freeze on my credit file on XX/XX/2018. I received a letter from EXPERIAN AND XXXX stating they 'VERIFIED '' the bankruptcy through a third party vendor called XXXX XXXX. When you can see with my upload documents I have a security freeze and opt out their services. So I wrote back to EXPERIAN AND XXXX giving them my BANKRUPTCY LETTER FROM THE COURT, XXXX XXXX SUPPRESSED/OPT OUT LETTER, XXXX  DELETED LETTER. I informed them also, they have failed to provide me with viable evidence, bearing my signature, showing this account is reporting accurately. Additionally, providing me with the name, address, and telephone number of each person who personally verified this alleged account. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I also informed them that am maintaining a careful record of my communication with them for the purpose me filing this complaint with the Consumer Financial Protection Bureau.

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 2019-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 had a store card with XXXX  back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.

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 2023-06-29
Company: EQUIFAX, INC.
State: GA
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:
Neither I or creditors has been able to pull my Equifax credit report. I get an error saying error code NH. i have attached a copy of my ID and social security card for proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/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 2023-11-15
Company: Source Receivables Management LLC
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit Report XXXX is wrong never been charged for this debt from XXXX XXXX XXXX XXXX which is {$220.00} unpaid. 
Collection Agency Source Receivable Management has no jurisdiction to charge this debt in the state of Pennsylvania. This debt will need to be removed from the credit report. 

Collection Agency SOURCE RECEIVABLES MANAGEMENT, Balance Date XX/XX/2023 Original XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  Date Assigned XXXX XXXXXXXX XXXX Account Number XXXX XXXX Original Amount Owed {$220.00} Creditor Classification Cable or Cellular Amount {$220.00} Last Payment Date Status Date XX/XX/2023 Date of First Delinquency Status UNPAID Comments Contact SOURCE RECEIVABLES MANAGEMENT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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