BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-03
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX2017, I logged in to pay my Best Buy Visa Credit Card bill and noticed my account had been closed. I called customer service who transferred me to an account specialist. They informed me that because mail had been returned to them they had to close the account. I verified my address with them and asked them to reopen the account. They said their policy stated that they could not re-open my account and I would have to re-apply if I wanted to have a best buy card. I tried to escalate this matter to a supervisor and was told the same thing. My account has alway been in good standing, I managed my credit limit well and never had a late payment. There is no reason why Citibank would have a reason to keep this account closed.

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 2018-10-24
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
This is a collections account showing up on my credit report and I did not apply for a payday loan from this company. It said that a loan was opened on XX/XX/2018 for {$860.00}, and I believe this may be the result of my sensitive information being breached from XXXX by hackers, who may have applied for a payday loan in my name. I have also gotten notice that my SSN has shown up on the dark web. This is not my account and therefore I would like it removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank 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 2019-01-10
Company: SYNCHRONY FINANCIAL
State: FL
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:
I had taken opened a credit account with SYNCRONY BANK / CARE CREDIT for the purpose of having a dental implant done at XXXX XXXX XXXX XXXX XXXX   with the owner and practitioner XXXX XXXX XXXX. I made one agreed upon purchase with the CARE CREDIT card for {$2200.00} which was for a complete implant procedure. XXXX XXXX would tell me that I needed additional procedures to continue with the XXXX  only after the original charge was made. He charged for " XXXX XXXX '' which was only a XXXX. XXXX  XXXX placed my XXXX  incorrectly, removed it, charged me {$500.00} for a XXXX XXXX, replaced the XXXX  and told me he needed an additional {$1700.00} to complete the procedure with the XXXX  and XXXX. I called CARE CREDIT and disputed the transaction as I no longer trusted or had confidence in XXXX XXXX. He was also refusing to finish the procedure for the agreed upon price. CARE CREDIT investigated my dispute and released the dispute in the doctors favor citing a patient ledger XXXX XXXXI sent them stating that he completely finished the procedure including XXXX and XXXX. I never received an XXXX  or XXXX. XXXX XXXXI did not finish the procedure and sent CARE CREDIT a falsified ledger showing that he did. CARE CREDIT told me there was nothing I could do about it. My credit is ruined, I have been XXXX  on by XXXX XXXX numerous times with bad results and no completed 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 explanation
Consumer complaint received 2018-11-02
Company: CITIBANK, N.A.
State: MD
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:
On Citibank card, I made a dispute and then reversed it. However, the merchant claims that they were not paid. I spent two months going back and forth with the Citibank Trans Fraud asking them to trace where the money was sent. Only information the Citibank can provide me is the reference number that I can supply to the merchant, which is not sufficient information to trace where the money is. 

After 6 weeks of goose chase run around on phone calls, I made a visit to the Citibank. 
One of the bankers helped me to escalate the issue with the executive office. During the process of communicating with the executive office, one of the specialists said the money was sent to XXXX XXXX. However, the merchant claims that they bank with XXXX XXXX XXXX and they have no affiliations with XXXX XXXX. The executive office promised me that they will resolve the investigation within two weeks. 
It has been three weeks and the executive office has been ignoring my phone calls.

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 2018-11-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I completed an online APPLICATION only - for a personal loan ; I simply wanted to determine if I qualifiedi. Within hours of the online application - BEFORE I even spoke with soneone, my personal credit report showed the inquiry and I have received over five harassing phone calls from XXXX XXXX XXXX. They explained I qualify for a vehicle lien loan meaning I would use a personal vehicle as collateral ; Ive stated repeatedly to them I do not own a vehicle and therefore I am not interested in doing business with them. At approximately XXXX XXXX XX/XX/XXXX - I returned ANOTHER call from them and requested they cease and desist with the calls. The agent became very aggressive - demanding I listen to terms of the vehicle loan and when I kept insisting they stop calling me and remove the inquiry from my credit report, the agent proceeded to ask if I have friends or family who could provide collateral. I consider this company a predatory lender and I never received a loan number ; when I asked ( for reference purposes ) they refused to provide it.

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 2018-10-24
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:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies Experian. Any question can call XXXX XXXX XXXX at any time. I have more than one year to make the complaint and I never received a response. Case number XXXX Phone XXXX 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 explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Auto Loan From XXXX XXXX was opened in XX/XX/XXXX and TransUnion has been reporting as bad debt since XX/XX/XXXX I have reached out via mail to TransUnion to verify the inaccuracies and have not gotten a response in over 30 days.

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 2017-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After contacting the lender, XXXX A/C # XXXX, and the attorney involved with the bankruptcy, XXXX XXXX at XXXX XXXX in XXXX, FL, I have located all of the paperwork necessary to correct the issue, yet neither of the above companies will file the correct paperwork to the credit bureaus to fix the problem. I have all of the additional paperwork that was sent to XXXX that they said they never received in order to put this loan onto my credit reports. Someone in either company made a mistake but I should not have to pay for this very costly mistake. <P/>My additional complaint ID is XXXX, this is NOT A DUPLICATE. Someone in one of the companies above made a mistake, and it is being taken out on me. I need this reported on my credit report, as this is my lifeline being a XXXX mother of XXXX XXXX boy. I expect this to be corrected by XXXX, they have the proof of everything, but will not fix it. <P/>I have to purchase another vehicle soon, and this needs to be on my credit report showing the excellent payment history that I have provided.

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 2018-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX  XXXX XXXX XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX  XXXX if this is a legitimate 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 2019-05-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This complaint is against Citizens Bank of Rhode Island, regarding my checking account ending in XXXX, and an unauthorized E-Check number XXXX ( copy attached ), dated XX/XX/XXXX for {$9700.00} posted on XX/XX/XXXX for which they withdrew funds from my account to make payment to the unauthorized maker of the E-Check. On XX/XX/XXXX I discovered this fraud and Citizens acknowledged same on XX/XX/XXXX. For seven months I have been in constant contact by telephone and letter with Citizens, and they persist in refusing to restore the fraudulently disbursed funds. I filed a complaint through the Office of the Comptroller of the Currency ( complaint # XXXX - copy attached ) which Citizens has acknowledged, but failed to answer ( reference Citizens Letter of XX/XX/XXXX and my letter of XX/XX/XXXX ). Additionally, XXXX has failed to provide information relating to the identity theft that was perpetrated by the unauthorized maker of the E-Check ( reference my letter of XX/XX/XXXX ), Citizens responded with routine bank statements. Citizens has not complied with the requirements of 12 CFR Part 1005, they did not credit my account within 10 days of notification, and have taken longer than 90 days to complete their investigation. Additionally, Citizens has not complied with the FTC Fair Credit Reporting Act Section 609 ( e ) - copy attached. I respectfully request that CFPB direct them to comply with the law, inclusive of them paying me interest ( starting at XX/XX/XXXX paid at their prevailing personal loan rate ) since their gross failure to comply with the 10 day stipulation of the law has prevented me from using ( or investing ) my funds. I strongly suggest that CFPB also audit Citizens specific to compliance with " Regulation E '' as their customer service staff and management either do not have qualification or willingness to adhere to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On the date of XX/XX/18 someone used my debit card information and made a transaction of {$230.00} at XXXX at XXXX in the city of XXXX without my authorization. I immediately went to Chase Bank and told them I didnt authorize that transaction. They notified the Customer Claims Department and told them that I wanted to dispute the transaction. They said the dispute will be declined and that theres nothing I can do for the reason that they used my actual PIN number thinking it was me who made that transaction. I went to XXXX and asked for any possible evidence but they told me I was unauthorized for them to release any type of evidence. And now Chase Bank is charging me fees on top of that for a transaction I never made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-24
Company: Ocwen Financial Corporation
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2005 l paid off my mortgage in full. Ocwen Mortgage began calling me saying they were to collect a dept on my mortgage. Ocwen said the copy of my mortgage stamped and signed and dated by the STAMPED BY THE STATE OF INDIANA was not real. The harrassment and threats stated from Ocwen to take my property. I filed bankruptcy, went to Indiana Housing,  refinanced, and recently Modification. On my Modification, Ocwen says l have to pay {$13000.00} to own my home at the end of this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
On my XXXX report ( which i have a XXXX XXXX account ), it shows that I have closed my XXXX XXXXXXXX XXXX  account when it's still open. i still have and use my card. i called them this morning and they claim that i ordered a new card when i didn't. i called to clearly get this situation fixed, and they acted like they couldn't do anything about it. i've heard plenty of negative reviews about XXXX XXXXXXXX XXXX   for quite some time now. I just want this Inquiry and there is a Discover card Inquiry on my credit report that is incorrect as well. I've never had a discover credit card. seems like no one can help me or someone is lieing. i've even tried to get some of the hard inquiry thats been on my account for years to be removed, and it's no help. I also hope that most of my hard inquiries that are from XXXX or XXXX to be removed if possible. it's some hard inquiries on my XXXX account that i feel should be removed as well. i would highly appreciate it if you can help me get this solved because this has been a pain on my brain for quite some time now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Reliant Capital Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a call on XX/XX/2018 at XXXX from someone claiming to be a representative of XXXX XXXX XXXX  saying I owed a balance of {$1900.00} they are trying to collect for XXXX. I told them I have an email proving that I don't owe that amount and that I will forward it to them, which I did. At that point, the representative told me they would sue me and if I didn't pay the {$1900.00} by next Monday, they would take me to court. I explained that I had several bills with various amounts, but the final email proved I only owed the {$120.00} and I asked for them to email me the proof of the debt, and they haven't. They just kept repeating they would sue me for the other amount if I didn't pay by Monday. They also stated they didn't purchase the debt from XXXX, so I'm confused as to how they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I booked a flight to XXXX with XXXX XXXX using XXXX from XX/XX/2018 XXXXXX/XX/2018. On booking the flight i inputted my passport number which clearly states that I am XXXX. I also paid for a business class which amounted to XXXX dollars and I paid an insurance fee of XXXX dollars for the flight. I paid for a business class because I was going to make money on my trip of approximately 9000 USD and also, because I wanted to be very comfortable as I am very XXXX. 

1 ) XXXX or the airline never told me that I needed any document to use XXXX XXXX even though they saw that I am a XXXX, through my passport information. I booked this flight a week ahead of the trip and they had every opportunity to tell me this so I could book another flight, but they said nothing and made me go ahead with the booking. 

2 ) On XXXX, I request for refundable flight before booking and XXXX XXXX and other flights came up. I chose XXXX XXXX as I did not see any information that I would be needing any document aside for my Passport and XXXX visa to  fly with them as stated on the XXXX site. 

3 ) Upon getting to the airport, When I tried to check in, XXXX XXXX began asking me for documents that they dint tell me I must have to fly with them ( XXXX ). I immediately tried to get one, but I was told i can not have one because I come from XXXX. So they refused boarding me amidst my plea that i had no idea about the XXXX, the opportunity I would be missing and my XXXX status. 

4 ) I called XXXX ( the site i booked from ), who got on the phone with XXXX XXXX Manager pleading with them to put me on the flight or transfer me to another flight where I would not need an XXXX, but they refused. So I immediately told XXXX to cancel and called XXXX XXXX for a refund. Even when they fully knew it was their fault that I was refused boarding, they refused to refund my money back. 

5 ) So I called Wells Fargo and disputed the transaction but they got back to me, claiming that the Airline says I never arrived for the flight and I was the one that booked the flight ( which was not my initial claim ) I suffered a lot that day, not only did I lost a lot of money from not going on the trip, but I also fell very sick because of the XXXX XXXX XXXX put me through and because of my XXXX status Thank you

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 2022-01-07
Company: Incomm Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My Vanilla Reloadable Debit cards are not available as advertised on the company website. 

The company publishes the following link on their website : https : //www.myvanillacard.com/whereToBuy After going to over 30 of the stores, all have the same display be there are no My Vanilla Reloadable Debit Cards in stock at any of the stores. 

When I called customer service, there are no options to speak to a customer service representative.

Company response to consumer: Closed with explanation