BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-21
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I work in XXXX in an environment with a language barrier, poor internet service, and inability to make international calls. I arranged for Western Union to have money available for me, but the bank would not give me the money ( {$2000.00} US ) because Western Union had blocked my account. They blocked my account when I tried to access it from a friend 's phone. I understand that they must prevent fraud, but blocking a customer from badly needed resources without the ability to get immediate customer support is dangerous and annoying. Western Union must have immediate, personal customer support in a variety of manner, not just via international phone number. 
In the attached email, you can see that I asked that they contact me. Instead, I received a form letter email several hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told by the representative at the executive office for JP MORGAN that I would receive a call back regarding the outcome of the dispute. I've called multiple times over the last week. The car in question was due to be sold on XX/XX/23 per the written correspondence I received. I did not receive a call before that date or after. I called today only to get a voicemail. After I left the voice mail she finally called me back. When I spoke to the representative, she stated that the investigation is complete and the outcome still has not changed. I asked her well what happened to the vehicle because it was due to be sold at the end of XXXX. She stated that they extended the date to XX/XX/23 but I was never notified as the consumer of the extension by written correspondence or verbal. She then informed me that she will type up a written letter to post in response to my complaint. I asked her why wasnt I notified about the extension because when I last spoke to her, I told her that I had a new financial institution ready to purchase the vehicle. She stated that she wasnt aware of that and she only remembers that our previous financing fell through. She could not recall the conversation about me mentioning the new lender to her at all. She then proceeded to say that she submitted her letter and it should post by tomorrow on the CFPB website. Im pretty sure they sold the vehicle without resolving this issue and complaint with me after multiple attempts to alert them of the damages of constantly call, reaching out, and reporting the false information the continue to tell me via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: The CBE Group, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an sms for a debt from " CBE Group '' # XXXX. I proceeded to call them and got through to a representative. Its from an XXXX collections account from XXXX  according to the rep and there is approximately {$45.00} dollars due, not worth our times so i negotiated and we made it to {$20.00} the price he offered and we both agreed on, I provided my credit card and address to pay it off on the same call, and the agent even repeated and confirmed the info, just as he is going to submit, he says " it looks like the lowest amount we can go is now {$25.00}... I told him that's ridiculous and an unacceptable tactic, its not for the {$5.00}, but for the deceptive and in clear violation practice. He then said since I wont accept the {$25.00} the well record it on their end as well as XXXX... This is clearly violating several FTC guidelines ; Public Law 111-203, title X, 124 Stat. 2092 ( 804, 805, 808, 809 ). All this after i provided them my updated address/ my contact info and my credit card information! I want this resolved by them and absolved or going after the full penalty+ suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was attempting to rent an apartment from a " XXXX XXXX '' on XXXX on XX/XX/2022 and was told to leave a deposit for the apartment. After multiple deposits were sent to the person, to different email addresses and names, I became suspicious and visited the property in person and spoke with the owner and they had informed me that the apartment was not available to rent and the posting was false. 

In total, an amount of {$5300.00} were scammed from myself and I reported this to my bank, with a follow-up on XXXX XXXX to investigate the claims. I was told that these claims could not be reimbursed since I sent the money and they ignored my comments of being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: AR
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:
I submitted a complaint on XXXX ( XXXX ) in regards to inaccuarte/wrong information displaying on my credit report. Equifax responded stating they deleted employer XXXX XXXX from my credit file which they did but did not remove an address XXXX XXXX XXXX XXXX which is no longer accurate and is considered inaccurate and wrong information. I never lived nor do I currently reside at XXXXXXXX XXXX XXXXXXXX XXXX. Equifax stated this was verified. This is not a request for verification. This is a request to Removed Wrong and Inaccurate information from credit report which they are failing to perform for some reason. This inaccurate/wrong information is violating the Fair Credit Reporting Act and Equifax should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been with the BB & T account for about a year.When I opened the account I have had difficulties depositing them at the ATMs and they are never good apart from that when I opened the account they did not inform me that when you make a deposit it has to be before XXXX at night and especially the banks enter a transaction they give the client until the next day to make the deposit I tried to make the deposit and could never have the facility to do it and what this bank does is take him The money to the clients only with a minute that passes you to make the deposit they have stolen {$290.00} in a course of a few days where when I opened the account I deposited XXXX XXXX dollars and today a few days ago I tried to deposit the money and for the reason that they joined XXXX XXXX the system does not recognize the debit card and that's why they steal your money I need you to please help me with that and demand that they give me my money back that bank everyone to him those with financial problems are stolen from clients

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 2021-01-13
Company: Nelnet, Inc.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
NetNel reported three late payments on my credit in regards to student loans. The loans originated in XXXX with a separate loan servicer ( XXXX XXXX XXXX XXXX XXXX ). The loans were transferred to NetNel at some point in XXXX. I never received information from NetNel notifying me of the transfer. I entered XXXX   school in XXXX and my loans went into automatic deferment. After requesting a summary or copy of contact from NetNel I was provided a single document. NetNel sent a letter XX/XX/XXXX with a repayment schedule. The letter was sent to XXXX XXXX XXXX, an address I am unfamiliar with and never used ( I can provide a list of both my and my family 's addresses since XXXX if it would be helpful ). I was previously under the assumption NetNel had tried to mail something to my parent 's address, the address on my Master Promissory Note and the address my previous loan services sent communications. NetNel explained to me over the phone that I had selected " paper delivery only '' so they did not try to contact me by any other method. I have not been provided, nor would I have ever requested, a document requesting " paper delivery only. '' NetNel never sent any letters stating that loan repayment was required at this time, given that these were federal Stafford loans and the CARES Act forbearance. When I explained that the address that they sent communication to was not accurate, at this time or ever, I was told it was my fault for not updating studentaid.gov. My studentaid.gov address would have been correct from the time they sent their only communication, to now. When I go to studentaid.gov, the only way I could have ever discovered NelNet was now my loan service provider, it shows no next payment date. Within two days of receiving notice of the credit report, I paid off the three loans in full. For the following reasons I believe the late payments should be removed from by credit report : ( 1 ) I never received that loan payments had come due ( these were federal loans and without a formal understanding of FFELP loans and a reading of the CARES Act I would not have been aware that payments were due at this period ), ( 2 ) NetNel, would they have tried to contact me, had a incorrect address that was likely entered by mistake when they assumed the loan, ( 3 ) Before the credit reporting there was never any attempt to contact me that there was a missed payment, at a correct or incorrect address. For the entirety of the loan my contact information information was kept up-to-date by myself in every system in which I was aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: 21ST MORTGAGE CORP.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount.

We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: REGIONS FINANCIAL CORPORATION
State: NE
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:
Since XXXXXXXX XXXX XXXXXXXX we have had a fleet fuel card for our company cars thru XXXX 's. We started noticing about 6-8 months ago they were charging a " Credit Risk Assessment Fee '' of {$150.00}. We have always been able to get that fee reimbursed and get some type of " Free '' 3 months without the fee after getting it credited back. The last one came in XXXX XXXX XXXXXXXX and I notified them and they gave me a credit back of this fee the following month but then charged it again. Before noticing I paid my bill in full and closed the account. Now our bookkeeper noticed the fee I am trying to get this credited back to me. XXXX 's is refusing to give me the credit because the account is paid in full and closed. 

Through the lifetime of this card XXXX 's has been trying to get me to take out more credit with them and we have always refused because of the fee. 

I believe this is fraudulent and it needs to stop because I am sure they are doing this to thousands of customers.

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 2021-06-27
Company: CrossCheck, Inc.
State: MN
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. Theres fraudulent accounts and negative information listed on my Cross Check , Inc., Consumer Report. The accounts and information is all fraudulent accounts and information, not my accounts or information, and dont belong to me. I was just released from prison and I was incarcerated for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

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 2021-10-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have an active Citibank issued credit card account with Best Buy that I have maintained in good standing for 5 years. I use the credit card on a regular basis. On XX/XX/2021, I visited Best Buy # XXXX in XXXX MD and planned to use my Best Buy CC account for a purchase. The employee who assisted me informed me I needed to verify and update some of the information on file for the account, including my income and address. I was told this was a regular SOP that best buy did on credit card accountholders. To verify my identify the best buy employee asked for my social security number- I re-stated that I already have a Best Buy credit card and wanted to make sure he was only updating my income and other particulars on the account, I did not need a new, second Best Buy credit card account. The employee confirmed my statement- and assured me the SSN was only required to update my account information. 

The following day, XX/XX/XXXX, I received word from my credit monitoring subscription that a hard inquiry had been added to my credit report due to a new credit account request from Best Buy-Citi. I contacted Citibank who advised me that a new credit card account was initiated by Best Buy on XX/XX/XXXX. I spoke with Citibank Disputes office asking that the hard inquiry be deleted from my credit report. On a subsequent call, Citibank referred me to Best Buy since it was Best Buy that initiated the transaction, and Citibank is only the CC issuer. I visited Best Buy in XXXX on XX/XX/XXXX and spoke with a manager, XXXX XXXX, who referred me back to Citibank to since Citi is the bank of record and card issuer. Then I recontacted Citibank who restated that resolution of the issue falls to Best Buy since their employee initiated the unauthorized event. 

I did not consent to having my credit report checked and for no reason would I have needed a second Best Buy credit card, when I already have an Best Buy credit card. The Best Buy employee on XX/XX/XXXX misled me and performed a credit inquiry without my consent. Efforts to gain resolution with Citibank and Best Buy since have been unsuccessful.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
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. 

Account name : XXXX XXXX XXXX # 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 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 2021-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is reporting un-verified accounts on my credit report. I have no knowledge of these alleged debts. I have disputed these debts with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX XXXX XXXX late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Charge-off not my account belongs to someone else XXXX XXXX Late payments never been late on this account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

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 2023-11-28
Company: EQUIFAX, INC.
State: MI
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 trust this message finds you well. I am writing to address a matter of utmost importance regarding my credit information. Regrettably, I have discovered that my personal data, compromised as a result of the Equifax data breach, has been illicitly sold and purchased. 

Enclosed with this correspondence is irrefutable evidence affirming Equifax 's acknowledgment of my status as a victim of the aforementioned breach. Despite their acknowledgment, there has been a conspicuous lack of remedial action on their part, leaving my credit reports tarnished with unauthorized accounts. 

In light of these circumstances, I kindly request your immediate attention to rectify this situation by expeditiously removing the unlawfully acquired accounts from my credit reports. Your prompt assistance in addressing this matter would be greatly appreciated. 

l am at your disposal to provide any further documentation or information required to facilitate the resolution of this issue. Your cooperation in expediting the removal of these inaccurate entries will not only alleviate the financial burden imposed upon me but also restore the integrity of my credit history. 

Thank you for your prompt attention to this matter. I eagerly anticipate your assistance in resolving this issue in a timely and efficient manner.

Company response to consumer: Closed with non-monetary relief