BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2021, I was attempting to purchase airfare on the XXXX XXXX website. As I was about to make my purchase, an ad within the website came up and suggested I apply for a Citi XXXX XXXX XXXX Mastercard. I applied for the card so I could use it immediately on this large XXXX XXXX purchase, and therefore receive the associated benefits. 

I was approved for the card and the prompt after my approval told me that I could use the card immediately with a limit up to {$6000.00}. That prompt also provided my new credit card number, and allowed me to set up online login credentials, which I did. ( I also received an email from citibank confirming I had been approved for the card. ) Even though I followed the steps to setup my online credentials, they did not work and were apparently not yet activated by Citi. 

Unfortunately, when I went to pay for the expensive airline tickets I was not able to use my new card. ( The specific reason I applied for the new card was to make this purchase. ) This is because I had not received the details necessary for the online purchase -- the card expiration date and the card security code -- from Citi. 

I called Citi to ask for help ( XX/XX/2021 ). I correctly answered every security question asked : my SSN, my Citi security word, my address. After explaining my situation, the Citi agent said she could not help me, and that Citi could not do anything for at least 4 days. I explained the above to her ( that I'd applied for the card specifically to make today 's purchase, and that the online message at approval said I had immediate access to {$6000.00} in credit ) and she said Citi could not do anything - to call back in 4 days. At that point, I asked her to just cancel my card ; she said I would need to call back in 4 days in order to cancel my card! 

I believe the XXXX XXXX ads for this credit card should state clearly the card can not be used for an immediate purchase. The fact that the ad pops up when the consumer is in the process of making a purchase, and even citing how the consumer will save {$200.00} from today 's purchase in doing so, is misleading. Also misleading is the response at acceptance stating that the consumer has immediate access to credit. This is simply not true.

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 2023-06-12
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
On XX/XX/2023 at XXXX I was issued XXXX $ from XXXX company called XXXX  as a payout through PayPal. 2 years ago they did exact same thing and I just gave up because PayPal is too ashamed I suppose to want to talk to you in person. They keep taking the money this company XXXX  sends me. I seen the receipt and I have pictures. They sent the payment twice. XXXX sent it twice. XXXX said PayPal should instantaneously put it in the account. My husband has had similar problems with PayPal not telling never telling you your money is deposited and never putting funds in my account so far Ive been taken for exactly XXXX XXXX XXXX $ of it is the complaint Im filing because PayPal is notorious for money in which disappearing after working hard. They say we have no record. My husband has had same problem which he was given his money from XXXX. I seen the receipt the first and second time ivuet sent the money XXXX XXXX  is not the culprit because its other payouts too. I had them send it XXXX on XXXX XXXX and today it was reset after I reached out to the company XXXX and PayPal claims all three times the money doesnt exits. This is norm And I want accountability and I want my money that I worked for and the errors with payouts. If they are even rrrors needs to be investigated and people need reimbursement for whats theyre and not PayPals to keep.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX have never had an account with this company NAVIENT XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are NAVIENT SOLUTIONS XXXX the XXXX collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX.According to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: LA
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:
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.

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 inructions 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 2021-03-19
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I sent XXXX $ to XXXX XXXX for a secured credit card on XXXX from my Chime account and the XXXX $ was debited that day for the XXXX $ but then when I didnt receive the card from XXXX XXXX  and couldnt get any information from them about it I initiated a dispute through Chimes support portal in the App but the very day I insisted the dispute my card came in the mail from XXXX XXXX so I tried to cancel the dispute process which Chime informed me was not possible to do at that time because the funds were already reversed from XXXX XXXX and that I would have to wait 90 days for the investigation to be done before I could even get a response about it so I asked if I could cancel the dispute in which they told me that they are sending the funds back to the merchant then so now I cant get my money back This all doesnt seem very legal or professional even and for sure cant be proper protocol for Bank procedures I simply want my XXXX $ back its my money and Chime Bank is refusing to give it back to me I have spent hours and hours on the phone with XXXX XXXX who assures me that my money was reversed from Chime Bank and hours on the phone with Chime Bank that says that XXXX XXXX has the funds now and both banks deny having my funds Chime bank refuses to even speak with me about it anymore because they say its not in their hands anymore but it is very much in their hands because its in their investigations teams hands but refuse to talk to me about it because I cancelled the dispute I cancelled the dispute because I got my card from XXXX XXXX and it was fine but Chime went ahead and reversed the charges anyway to make things more difficult for me because I wanted to know where my money was at I am upset very much upset because I just want my money back it is my right and its my money and XXXX $ is a lot of money to me right now I am trying to build some good credit is why I got the secured card in the first place but now Chime wants to give me a hard time because I want to know where my money is and tries to deny having it and tries to deny that they reversed it from XXXX XXXX when they in fact did reverse it and dont want to give it back to me because I am upset about it I have every right to be upset and I have every right to know where my money is at and when I will get it back and they cant even tell me that because they dont know where its at or what happened to it they wont even discuss it with me because they dont know who to transfer me to about it they said they cant help me because they dont know what happen to it and there is no way to track it because I cancelled the dispute this cant be right I want my XXXX $ back its my money and I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Rental and Property Insurance Policy does not appear to be closed. 

Requested closure due to relocation. 

No notification/documentation to support. 

Called for verification they were closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information that appears on my Equifax report from XXXX XXXX XXXX XXXX account with account # XXXX opened on XXXX and a balance of {$0.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but Equifax failed to perform an investigation and delete the disputed information. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX on XXXX 
I previously disputed this inquiry. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Inquiry from XXXX XXXX XXXX on XXXX 
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. 

Thank you for your assistance. 

I personally signed and sent this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX, am a victim of identity theft. I was not aware of, did not initiate, and did not give my consent for the following credit transactions/experiences. 

Account # XXXX XXXX XXXX reported XX/XX/XXXX {$180.00} Account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$21000.00} Account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX original balance {$1500.00} The above listed credit transactions/experiences need to be deleted and blocked from my credit report as it damages my reputation and decreases the opportunities of credit being afforded to me.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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:
Your company is willfully furnishing inaccurate information on my consumer report. These errors have caused me a great deal of stress. These inaccuracies have caused me to be denied my basic needs. I am demanding the removal off all the inaccuracies immediately.

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 2021-07-29
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is another attachment with proof that I sent by mail today XX/XX/2021 another dispute to Experian To remove immediately the negative accounts from my Credit Report Experian is the only agency that isnt willing to collaborate I will present this proves to the judge

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 2023-01-04
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/22 Dear Consumer Financial Protection Bureau On XXXX i deposited {$600.00} in the ATM and it Malfuctioned and DID NOT register the deposit to my account AND DID NOT RETURN the {$600.00} from the ATM. And printed a receipt show no money deposited to my account. 

I went inside and explained what happened and they said since it was a Friday, they would have to wait until Monday to open the ATM. They gave me a provisional {$600.00} credit and several days later took it back and this the response I received below : This is the response on XX/XX/22 Dear Member : This letter concerns your ATM deposit dispute submitted on. The disputed deposit of {$600.00} was made at the above-mentioned ATM location on. 
Based on a thorough investigation of your claim, we found that no billing error occurred. We do not have a record of a deposit in the amount XXXX and the information available regarding your claim did not identify excess funds matching your transaction. 
As a result, any provisional credit that was applied to your account will be removed on, which is ten calendar days from the date of this letter, at which time your claim will be closed.

( End of response ) Furthermore when they deducted the {$600.00}. I had got paid and it over drew my account causing items and bills to be returned and caused several late fees XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-11
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our home was sold for {$250000.00} on XX/XX/XXXX. We purchased our home XX/XX/XXXX for XXXX. Loancare purchased our loan for {$250000.00} XXXX XXXX. My concern is that In XX/XX/XXXX our principal balance for our home was {$240000.00}. When we did our loan modification because we received a letter that we were behind on our escrow for almost {$10000.00} we were in shock. Our new payments went from {$1900.00} to {$3400.00} within a 2 weeks notice at the end of XX/XX/XXXX and they wanted the first payment of the new amount XX/XX/XXXX. We made one big payment of {$2800.00} XX/XX/XXXX and we came to an agreement to make payments of {$2000.00} for 5 months. This was a modification that they were able to help us with. In XX/XX/XXXX we were able to come to an agreement of monthly payment to {$1900.00} this is where we signed the loan modifications about our monthly payment. But we were not told about the {$72000.00} and how they came up with that number. Of course this being new to us we thought we were being helped to keep our dream home, that we worked hard for. 
In the end this was a downfall because in order to sell our home we needed to pay {$250000.00} almost {$8000.00} more than what we paid for our home initially. I want to know where did all our monthly payments from XXXX XXXX XXXX  go to. I feel like we were cheated and no one from the mortgage company could give me an answer of where all our payments went to and how they came up with {$72000.00} in the partial claim. 
You cant tell us that we made no payments towards are home for the last 4.5yrs.

Can someone please help us with getting answers and trying to figure out how we paid more for closing on our home then when we first purchased it 4yrs ago.

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 2021-10-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Toyota finances. After I paid three cars never a late payment well that's not true maybe one time. The XXXX before Coronavirus quarantine I had spoken to a lady that said she was going to give me a retroactive I think that's what it's called an application for me to fill up I was behind one month for some reason no money was coming in work-wise obviously there was a pandemic. They send me a letter and I have proof of all this that I did not get approved for a {$900.00} loan {$900.00} loan so I wouldn't lose my car because I decided to pay those {$900.00} in rent it was either rent or my car and I went without eating. Did they exactly the day of the pandemic we all got into quarantine my car was full of so many things clothing massage table but yeah I heard of repossessions I didn't think I was going to get repossessed because I was trying to work the problem. But no that same day my car gets repossessed and then what there's no work there's nobody in the offices there's no communication with Toyota finances forever they get back to me in XXXX telling me my car and everything and it was sold and that I owe {$10000.00} ruining my credit even more because now I have XXXX points in my credit and I could not get a loan and I could not do my XXXX And I can't rent a house and I can't get any credit cards and all I owe in credit was like {$1500.00} all right so I had a credit card that I didn't pay because my boyfriend ran it off. Not enough to go bankrupt not enough to ruin me for life I'm XXXX  now I go days without eating and I have no door opening because everything is at XXXX XXXX  so yes tell me Toyota didn't know there was a pandemic coming and they wanted to have make sure that their cars were in their bills were paid off and make sure that nobody XXXX them over. I love that car I love the car before that and I love the car that I had before that and guess what now I can't even own a car because they should actually give me a free car for what they did to me they I never been so poor and so hungry that car was my job

Company response to consumer: Closed with explanation