BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
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:
First, thank you for listening. On XX/XX/XXXX, I received a Fraud Alert for my Citi Credit Card ending XXXX for a {$450.00} Best Buy purchase made in XXXX XXXX. As I am living in XXXX  and have not been to XXXX XXXX since last year ( XXXX ) and have not purchased anything from Best Buy, I knew immediately that this was fraud. I confirmed with the Alert that this was indeed fraud, and was issued a new card XXXX. Citi credited the {$450.00} to my card XXXX and subsequently closed that account. So far so good. However, I saw that fraudulent {$450.00} charge was now on my new card XXXX. Over the next couple of weeks ( I don't remember the exact date ), I received a call from a Citi investigator to discuss this charge. I was told that on XX/XX/XXXX someone ( NOT ME ) requested for a duplicate card ending XXXX to be sent to my address in XXXX XXXX ( XXXX  was my billing address at that time. I updated my address recently to XXXX as I recently got a new home ). I did NOT receive any notification of this duplicate card. Then on XX/XX/XXXX, the charge of {$450.00} for Best Buy was made IN PERSON in a store in XXXX XXXX. First, not only did I not request for a duplicate card, I was also NOT PHYSICALLY in XXXX XXXX. I relayed this to the investigator and thought everything was resolved. 

Unfortunately, on XX/XX/XXXX I was notified by letter ( dtd XX/XX/XXXX ) that Citi will be closing my fraud case because I " was in possession of the card XXXX ''. THIS IS FALSE. I was NOT in possession of that duplicate card XXXX and was not even physically in XXXX. I also did not authorize a duplicate card to be sent. I then sent a letter via priority mail to Citi ( which was received on XX/XX/XXXX according to XXXX  ) requesting for my case to be re-opened. I believe it has since been re-opened but I'm uncertain because I have not received any notification from Citi. They have since started charging INTEREST on that {$450.00}. I will not pay for a transaction that I did not authorize. Furthermore, I am a VICTIM of identity fraud. 

Please help!

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 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022.

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 2017-03-15
Company: Senex Services Corp.
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had paid all my debts off in 2015 and have never received a bill from these people since so I 'm sure it was paid and they called me and I have asked for them to send messages bill and they gave me my address and I still to this day have never received a bill so I believe they are trying to double collect on this beings out the blue I get calls from these people and this was put on here after several years and no bills and knowing I payed everything off that I was billed for they went back and trying to collect again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wells Fargo Original XXXX XXXX about a fraud scam check deposited was reviewed and rectified on a XXXX yeqr old. The checkss were returned to the scammer l. This scam also allowed the theif to extract money from both checking and savings account via XXXX. Those funds were never there and the slammer sent them. This caused a negative balance in both checking and saving account. This case # is Wells Fargo case XXXX. Today XX/XX/23 they denied the fraud claim. Allowing the hacker to have the money from the scam check that was deposited. We appealed the denial and have not heard from their Executive dept..

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 2021-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I Applied for a mortgage Loan Modification thru the mortgage service Bank of America on XX/XX/XXXX I submitted all required documents for assistance as instructed to by Bank of America in a timely fashion. On XX/XX/XXXX I received a letter from BOFA dated XX/XX/XXXX that my file was denied for modification on the letter it stated reason for denial of loan modification it read " The investor of my loan XXXX XXXX has not given BOFA the contractual authority to modify under the BANK OF AMERICA loan modification programs. My understanding this account is owned by XXXX XXXX  and my file should have been reviewed for the XXXX XXXX flex modification not Bank of Americas programs since its XXXX XXXX owned. The letter also allowed me only 14 days to dispute this denial reason, I was under the impression under CFPB guidelines consumers are to have 30 days to appeal the denial. I would like BOFA and XXXX XXXX to review me mortgage assistance under XXXX XXXX Flex modification

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 2022-10-13
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Lvnv funding LLC is charging for a debt that was already charged off and wrote off by the original creditor that I signed a legal contract with. And by lE it's illegal to collect on a debt that was already paid for by law. 

Section 604 15 USC 1681E ( B ) Section 605 A 15 USC code 1681 C-1 Section 605 B 15 USC code 1681 c-2 I tired of the false/fraud from this company. 
Not only that this company is not licensed in the state of New York. They are reside in the state of Nevada. It's illegal all the way. 
This has cause me to have XXXX and XXXX because of this false information I can not move on with my life and I don't think this is fair to any individual. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is being foreclosed on XX/XX/XXXX in a non judicial state with fraudulent assignments.The assignments were created after the cutoff date of the alleged trust filed with the United State Security Exchanged According to the trust all mortgages and assignments had to have been conveyed prior to the cutoff date of the trust. The assignments are robo signed and fraud can not be the bases for obtaining a deed. I also mailed a QWR and proof of claim to Wells Fargo over 60 days ago. They have not responded to either.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear cfpb can you please have XXXX & transunion to provide me with written documentation of how they verified XXXX XXXX XXXX on my credit profile Ive already called numerous of times and sent letters if they can not provide me with this information please have them to remove this account from my credit profile.

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 2021-01-11
Company: EQUIFAX, INC.
State: TN
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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 
The following inquiry is unauthorized : XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX  XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX ; XXXX XXXX XXXX, Inqury Date : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Credit Control, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I would like to begin by stating that a portion of the debt is valid and I am willing to continue to pursue a settlement. 

The main cause for filing a complaint is the lack of communication with the debt collector, Credit Control Services, LLC. I have responded repeatedly to notices of the debt to begin finding a solution or settlement. However, I have not received a response from the debt collector acknowledging they have received written communication from me, or that they desire to attempt to settle the debt. Since I can not obtain any information or communication from the collector, and because a reasonable amount of time and attempts have passed to find such a solution, I am requesting that the debt be canceled and any negative items added to my credit report be retracted or withdrawn. 

I have attempted to contact Credit Control, LLC., on four ( 4 ) occasions and have attached copies of the two most recent files I have sent by USPS . 

The two most recent letters were sent by USPS on XX/XX/2020 and XX/XX/2020.

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 2021-11-30
Company: EQUIFAX, INC.
State: OH
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
BMO took over Bank of the West. In XXXX I set up for auto pay for the XXXX payment. BMO did the test. 3 deposits into my account and 3 withdrawals. XX/XX/XXXX I get an email stating they have received my external funds transfer request. XX/XX/XXXX I get an email stating the external funds transfer is in progress. XX/XX/XXXX I get an email stating that as of XX/XX/XXXX the funds have been credited to my account. 

Before BMO we were having the money deposited into Bank of the West from our other bank and then the loan was paid. On XX/XX/, we got a notice saying there was insufficient funds to pay the loan. At that time we told BMO not to take money out of that account anymore. We got an insufficient funds notice dated XXXX  the same day that BMO said my funds had been credited to my account. 

I called BMO on XX/XX/XXXX and it's a debt collection. No one to look to tell me where my payment for XXXX was. They kept asking me questions do you plan to keep the property, when do you get paid, etc. I kept telling them I paid and where is my money that you took. On XX/XX/XXXX I had to send proof of payment showing that they took the money out of my bank account and no one has been able to tell me where it is. 

On XX/XX/XXXX I get an email saying my funds transfer will start in 3 business days. ON XX/XX/XXXX I get an email stating my funds transfer has been scheduled. On XX/XX/XXXX I get an email stating my funds transfer is in progress. 

Today, XX/XX/XXXX I get a pink letter dated XX/XX/XXXX reminding me my XXXX payment is past due and this could be an attempt to collect a debt. 

I can not get any person at BMO to tell me where my payment for XXXX is. When we check our statement on line, it still shows our mortgage is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: CITIBANK, N.A.
State: TX
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:
This complaint letter against Citibank N.A. and this is my 2nd complaint against them and the reason is same. 
I want to refer about last complaint I made with the help of CFPB for the same reason is following ... 

Complaint ID # XXXX Date XX/XX/XXXX They responded ( I enclosed ) after the complaint I made but the same formalities I had to maintain. I called to XXXX ( XXXX ) and spoke with XXXX XXXX and settled down for 24 installments ( from XX/XX/XXXX to XX/XX/XXXX ). Settled down Autopayment from my access account to Credit card account but it didn't go thru. 


# 1 What I mentioned in my previous complaint they didn't fix it yet. 
# 2 I can not operate Simplicity Cr. Card even I can not see my account balance from my Citibank apps. They locked it since XX/XX/XXXX. ( I enclosed picture ) # 3 I can not transfer or deposit any amount from my Citibank Access account since XX/XX/XXXX. But I had full of intention to pay at least minimum monthly due ( I enclosed picture ) Citibank made the agreement with me so that every month 's installment can be transferred from Citi Access Account to Citi Simplicity Credit card ( Autopayment system ). And both time you did same mistake and what is impacted on my credit history.

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 2021-01-11
Company: Alliance Group & Associates LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
on today XX/XX/2021 i received a call from a unknown caller who was a man who called and said he is with alliance group and addressed me by my first name and read off the last 4 of my social and he asked me to confirm my last four of my social security. I was less reluctant due to possible scam and was trying to explain to him that I didn't know him and he proceeded to tell me he didn't know me either is why he needed to confirm my last four of my social. Then why would you read my last four if you are needing confirmation that it was me?? anyone could have answer and you gave out my last four of my social. I reiterated I didn't feel comfortable and he proceeded to speak over me and I asked him not to talk over me. his tone escalated and he continued to talk over me and disconnected the call he gave me no other options for me to feel comfortable in confirming my identity. I called back the number that called me and a young lady answered I expressed my concerns to her and asked that the man I was speaking with not be a point of contact and asked to speak with a manager to address his behavior. I spoke to the manager who carried his call the same way and said the way the young man responded to me was the way they do business XXXX the manager at alliance group failed to address my concern and began to talk over me as well after i explained to him i work with people on a daily as a profession and it is not how you handle clients. I asked for a manager over him and his rebuttal was it was none of my business when i asked to speak with someone higher then him. he was only willing to give me the business name.

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 2021-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
A cease and desist letter was sent to Portfolio Recovery Associates in XX/XX/XXXX. The letter was received via certified on XX/XX/XXXX. I asked them to stop calling using any and all numbers listed in their system on the alleged debts. 
Since the date of the letter, they have called my cellphone at least 18 times. Since the date of the letter. They have called my parents on a landline multiple times with recent contact XX/XX/XXXX. They have called after XXXX on XX/XX/XXXX disrupting my sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/XXXX, I've sent out a certified letter disputing items in which I felt I was a victim of identity theft. I've listed all items that were not mined. As of XX/XX/XXXX, I have not received any correspondence regarding my request. I haven't gotten anything stating they were opening an investigation. I believe the credit reporting agencies have violated my FCRA and I need some help.

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 2018-08-03
Company: FIRST NATIONAL BANK OF OMAHA
State: CT
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:
One or about XX/XX/XXXX I received a voicemail from first National Bank of ohama. I returned the call, told them I havent used the card in a while why should there be late charges. A payment was made in the billing cycle yet they still charged a late fee. 
Since XX/XX/XXXX I have received 6 messages telling me to call them. They were from a robocaller. Also of note the number they called was my work/cell phone number. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief