BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I discovered on XX/XX/2018 that my Citibank checking account is blocked. I am unable to use my debit card at ATM or make a ACH transfer of the funds. I called Citibank customer service as well as Citibank fraud prevention departments where I was notified that my account is " on hold '' for the reason they are not allowed to discuss. I called again later and talked to XXXX from Citibank XXXX in TX. I underwent a scrutinized quest by XXXX that included some phone numbers that I have abandoned 10-15 years ago. I was given 1-2 seconds to think to recall this numbers, like I have to remember them after abandoning years ago. After that quest XXXX stated that I failed to pass their security check and he is no longer able to discuss any matters related to my account. Later I called Citibank additional time and again was not able to get any meaningful instructions on how to unblock the account. At this point Citibank advises me to visit their local office in XXXX XXXX, CT, where I opened the account, to resolve the issue. I explained to the Citibank representatives that I am a USA citizen living abroad in XXXX, XXXX and I am not able to visit any Citibank branch in the USA at the moment. Citibank should provide a clear and meaningful instructions on how to unblock my account, so I have an access to the funds. Visiting Citibank US branch is not reasonable since I reside in XXXX. Citibank has a local branch in XXXX, XXXX where I reside, so if Citibank will call that branch to setup an appointment that will resolve the issue. I expect US Citibank fraud prevention department to set up an appointment at the Citibank local branch in XXXX, XXXX for my visit to take the necessary steps to unblock my account.

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 2023-07-01
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: Personal information incorrect

Complaint:
information inaccurate on report plese fix

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 2021-04-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
TD Bank made unauthorized transfer of {$1500.00} from Saving to Checking that caused my account below {$20000.00}. Then, disqualified me to receive the sign up {$200.00} bonus. When I saw that transaction and the {$15.00} maintenance fee, I send message through the portal. They fixed it by refunded the {$15.00} maintenance fee and assured me that I was still qualified for the {$200.00} bonus on their message dated XX/XX/2020 XXXX attached ). On XX/XX/2020 Saving Statement, there were NONE of the {$1500.00} transfer that recorded ( also attached ). 

Now, through CFPB previous complaint, XXXX XXXX used that unauthorized transfer to disqualify me to receive the {$200.00} bonus. 

On the previous complain with CFPB, TD Bank used the {$19000.00} transfer from Checking to Saving as a reason to disqualify me to get the bonus. They said it was not new money - while the money came from XXXX XXXX for TD Checking and Saving that were opened at the same time ). Finally when they realized it was a weak argument, now they used unauthorized fraudulent transfer. 

Please have TD Bank send proof that the {$1500.00} transfer was really made by the Account Holder. Earlier on, I thought it was just a technical glitch. Unfortunately, it has been used to disqualify me to get the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Owens Loan servicing, LLC keeps putting stickers on my door in the middle of the night harassing me. Some one call me trying to get me to sell them the house etc. I need Owens Loan servicing, LLC to stop sticking stickers all over my door and and harassing me. There nothing but a scam and committing fraud. I have also file a complaint with US Attorney office in regards to Owens Loan Servicing, LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/XXXXat XX/XX/XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my XXXX amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my XXXX amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BULLCITY FINANCIAL SOL Contact  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$330.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian, XXXX and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?

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 2023-10-19
Company: General Motors Financial Company, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I contacted GM Financial and arranged an extension of my XXXX payment. They agreed and collected the interest plus a fee and moved the payment to the end of the loan. They then reported the payment as 30 days past due and have not fixed it despite 2 disputes through XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-19
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

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 2020-04-08
Company: EQUIFAX, 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:
On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Equifax and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Equifax thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that without any proof, incredible? When I contacted Equifax I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX along with proof of signature receipt from the USPS, and they answered through paper mail, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Equifax to remove this information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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 5th 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 Balance : {$3500.00} XXXX XXXX Balance : {$0.00}

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 2020-04-08
Company: EQUIFAX, INC.
State: MI
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:
Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of America - Complaint My Bank of America bank account was compromised. Somebody used my Bank of America Visa debit card to create a fake account on XXXX and fraudulently spent {$3100.00} over a series of illegal transactions. In essence, my Visa debit card account was stolen and used on a fake XXXX account.

I have called Bank of America numerous times... spending hours at a time. Each time, they create a claim, give me a claim number and insist they will get back to us. When we call back ( again, hours each call ), they have no records of the claim and we have to start from scratch. They pass us around multiple departments and nobody knows how to help, don't want to help, and quite frankly, they don't care at all. 

Bank of America should be ashamed at the level of service they provide. More importantly, is is our understanding that they need to refund us the money fraudulently being used on my Visa debit card.

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 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Asking for an investigation of inquiries on credit report and provide written signature from companies who reported unauthorized inquiries. Dispute letters sent.

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 2023-09-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Made two separate payments to pay mortgage loan for XX/XX/2023. Paid XXXX to Mortgage loan under " other payment amount " to process partial payment. Did not use principal amount section online at all. Their app never said no partial payments, Confirmation # XXXX on XX/XX/2023. Then made second payment on XX/XX/2023, but processed on XX/XX/2023, for XXXX. Confirmation # XXXX. 

Did inquiry on XX/XX/2023 and was informed that I never paid loan statement for XX/XX/2023 and both checks were applied to the principal and I missed a payment. 

Customer service and Supervisor would not confirm a letter for correction but told me to check online it will show correction. No correction was done online. 

The name of the bank is Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit report after I complained last XX/XX/23 and I discovered that some of the information on my credit report was incorrect. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$700.00}

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 non-monetary relief
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-04-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account is set up to limit communications to by phone ( voice only ) or email due to my XXXX limiting cell phone use precluding texts. Today they sent me a text that looked like spam so I went to login via personal computer ( how I always access ). I will attach the XXXX  of that screenshot telling me they had disabled my account. I called and the person said nothing they can do for me to look to see signs if I was hacked since they ignored my communications needs and I can only do in a way that does not work for me. Seems like not ADA compliant besides behaving as if my account gives me no rights to monitor them. They said it was due to an audit they were doing -- shouldn't customers be notified of audits on their account before it happens?

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 2023-11-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed I had several inquires from XXXX and was told they can not be removed because they are tied to an open account. Im not sure how that is possible because the account they are saying its attached to was not opened until XXXX with XXXX which it shows that on my report. Ive tried calling all 3 bureaus but only XXXX removed them. XXXX and Experian are telling me to call each company and have them remove it and Ive called all companys only to be told I need to call XXXX and Experian.

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 2022-03-05
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I, XXXX XXXX, a natural person, requested Discover Bank on the Consumer Financial Protection Bureau ( CFPB ) portal to provide me with a 1099c form, due to Discover Bank has my account listed as Charge-Off with the amount of {$1200.00} to all the major Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX XXXX XXXX However, Discover Bank has responded on XX/XX/2022 and made it clear Discover Bank CAN NOT provide me, XXXX XXXX, a natural person, with such documentation ( 1099c ) as I requested. Without further ado, as I am investigating this matter, this is a violation pursuant to 26 U.S. Code 7203. Willful failure to file return, supply information, or pay tax. If they are listing the account as a write off and fail to provide the form, pursuant to 26 U.S. Code 6655 is another violation. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to dispute the following account with Rash Curtis : Account # XXXX, opened on XX/XX/2019, high credit {$250.00}. 

There are many violations committed by this company ( re-aging account, double reporting ). They have been negligent and unfair. All I am asking is to get this account removed from my credit report as a compensation for all the damages ( emotional stress, high interest rates that I had to pay as a consequence of their actions, etc. ). 

I have attached some documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: MIDFIRST BANK
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Midland Mortgage Company is charging me double the money needed for my Escrow Account. They put My family and I in a foreclosure status, base on the wrong figure. I have spoke to people in the Customer Service department, and in the Escrow department no one would help me, just giving me the runaround. I also sent them supporting documents to prove my case, they took no action.

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