BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get 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 monetary relief
Consumer complaint received 2018-04-17
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Please overturn all bills said to be owed to XXXX. TCF Floated me money in the phone transactions, that is they made it seem like I had much money in the account due to some kind of ledger issue leading to purchases I would not have made otherwise. Please make my accounts positive as it was an accounting error by TCF. They make accounts appear positive when checking the ledger balance over the phone I was also owed XXXX and XXXX for past bank promotions which would have avoided all negative transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Dear Sirs, XX/XX/2019, I started a company for myself to do flooring contracting. I needed to have a payment processing services. After doing some research, I reach out to PayPal and opened my account with them. 

My first few payment transaction was having problem as PayPal was requesting me to provide them documents to proof to them that I have a legitimate business. they requested my EIN, articles of corporation and a photo ID. I had all the papers sent to them the same day. 

One week later, another few transactions were held by PayPal limitation department. Now, this time, they requested me to provide them with invoices that were used to charge my clients, again, I provided them statements and information of my clients for confirmation.

Then, one week after that, they added another limitation for the third time on my account. this time they need me to provide them with the last 6 months of bank statements. I mentioned to them I opened my bank in XX/XX/2019 and can only provide 3 statements. the Rep. told me that is fine, I uploaded them, after that, they said we need the last 6 months of your previous merchant account statements. I told them that PayPal is my first payment processing service. I've never had another one as my business started in XXXX Finally, I spoke with the manager and explained everything all over, the manger XXXX was very disrespectful and rude to me. He told me that PayPal doesn't want to provide me services anymore and will hold my funds for 180 days from the time it charged my clients. He didn't want to listen to me, he wasn't willing to work with me to get this problem taking care of. He also refused to allow the funds to be transferred earlier than 180 days. I need help to have them releasing my funds immediately please, it has been almost over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Advantage Credit Counseling Service, Inc.
State: CO
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:
Since XXXX and until XXXX, I had been involved in a debt management plan with XXXX of XXXX for several credit cards. This program was completed successfully by me in XXXX. 

My consumer report displays delinquent account data for only one creditor ( XXXX ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only XXXX. 

I attempted to resolve this situation initially with the XXXX of XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with XXXX several times for an answer to no avail. Further complicating this issue regarding records, XXXX of XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. 

I personally contacted XXXX to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. 

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for XXXX, which has absolutely devastated my credit reports, and caused me severe financial harm. 

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TRANSUNION dropped my score XXXX points on XX/XX/XXXX from XXXX. I am a nurse and I watch my scores everyday. I have had perfect payments for two years. I needed a loan from the pandemic and this drop stopped me from getting a needed loan. The drop in score of XXXX points HAD NO ACCOUNT ATTACHED TO IT AS ALL ACCOUNTS WERE PERFECT FIR LAST TWO YEARS. I CALLED TRANSUNION AND SPOKE WITH XXXX A SUPERVISOR ON XX/XX/XXXX XXXX and requested he tell me which account the drop was attached to so I could dispute it. He said hire a credit counselor after he said there was nothing to support a drop. I CAN NOT DISPUTE A XXXX POINT DROP NOT ATTACHED TO ACCOUNT!!! I SHOULD BE ABLE TO KNOW OR IT SHOULD BE OBVIOUS - I NEED THIS CORRECTED AT LEAST TO KNOW WHAT ACCOUNT CAUSED SCORE OR I CAN NOT FIX THIS EGREGIOUS ERROR!! 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 explanation
Consumer complaint received 2019-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is my third complaint to the CFBP, The previous complaints, were XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. 

Both complaints relate to the same issue : On XX/XX/XXXX, I sent a {$90000.00} wire transfer to a friend in Florida. Bank of America seized my {$90000.00} and refuses to return my money. 

As a result of my second complaint, Bank of America assigned me to a Resolution Specialist, XXXX  XXXX XXXX. Ms. XXXX wrote to me " I am your dedicated point of contact until this matter is resolved. '' Ms. XXXX is my 3rd Resolution Specialist. 

In her last written communication with me on XX/XX/XXXX, Ms. XXXX stated, '' As requested on XX/XX/XXXX, please contact law enforcement and obtain a seizure warrant to work towards obtaining your funds. Once you have obtained a seizure warrant, please contact our Check Fraud Claims department at XXXX ''. 

First of all, there was no communication between Bank of America and myself on XX/XX/XXXX. Secondly, no one knows what a seizure warrant is, making it impossible for me to obtain one. I have contacted 3 Police Departments, talking to one Police Chief, 2 Attorneys, and Ms. XXXX XXXX own people at that XXXX number. I even looked up seizure warrant on the internet and looked through do-it-yourself legal documents with no success. I have called Ms. XXXX over 10 times in the last 3 weeks, with no response, leading me to believe that she doesn't know what a seizure warrant is either. 

As it stands, I'm still out my {$90000.00} and Bank of America has assigned me to an investigator who is either unable to answer my questions or unwilling to. 

I'd like my money back NOW. Bank of America seized my {XXXX} with out cause. It's time to end this nonsense. I'm almost XXXX years old and live on a limited income. I want my money back now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a legal document in the regular mail that was a Second Notice to Defendant with XXXX XXXX XXXX XXXX, now signed by attorneys for XXXX XXXX XXXX. Stating the Court issued a Continuing Writ of Garnishment on my employer. I have never received anything about this case until now ever! I looked up local court records under my name and apparently there was a default judgment issued against me and for Asset Acceptance LLC on XX/XX/2010! This has never even been on my credit report! I have no knowledge of this matter at all or what it was for. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: DISCOVER BANK
State: TX
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 am a Discover credit card customer. Unknown person made unauthorized credit card purchase of {$470.00} in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, TX with my Discover credit card ending XXXX at XXXX on XX/XX/XXXX. I was at home and the credit card was in my possession when the unauthorized purchase was made in XXXX. I reported the incident to the Discover Bank and the bank agent suggests me to file a police report to help with the credit card fraud incident investigation. I followed their suggestion and filed a police report to XXXX XXXX police with the case # XXXX in XX/XX/XXXX and I sent all the police information to them. I called them several times and the agents kept telling me they were still in the investigation process. I called them again today and they told me that they declined my request for the refund of the unauthorized charge of {$470.00} since they couldn't get in touch with the police. I can not accept their decision because they didn't provide me with reasonable evidence to show I was responsible for the unauthorized charge. It is the violation of the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my Trans Union, XXXX and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, 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 2018-10-25
Company: BARCLAYS BANK DELAWARE
State: CO
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:
Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX  for several credit cards. This program was completed successfully by me in XX/XX/XXXX.

My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays.

I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time.

I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions.

I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm.

This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX Certified letters were sent to NCA XXXX National Credit Adjusters ) asking them to verify that this debt belongs to me and that they were the original owner of the debt with my signature, that I agreed to pay the amount owed. 
I never received verifying proof from them but they proceeded to damage my credit. I feel they are in violation of the FCRA, Balance : {$2600.00} Original Creditor : XXXX XXXX  XXXX Never Heard Of this Company )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX @ XXXX, received a phone call from XXXX XXXXXXXX XXXX to discus a debt for XXXX account number ending in XXXX, phone number XXXX. 

I was told that the date of charge off was XX/XX/XXXX and they are going to pursue legal action. 

Then, I received a letter from Convergent looking to settle the account, see attached. 

Today, I received a call from XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, regarding the same XXXX account XXXX. I was also told that the date of charge off was XX/XX/XXXX and that they will be pursuing legal action, case number XXXX. I was told that they have attempted to serve me multiple times at my home address. To this date, nothing has been received other than the attached letter from Convergent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Complaint # XXXX Balance on XX/XX/20 was {$3600.00} XXXX deposited 5 usps money order total {$4300.00} ( on hold ) all 5 were cashed on XX/XX/XXXX according to usps accounting Dept record ticket # XXXX but boa claimed all 4 mo returned and deducted {$48.00} plus {$3700.00} from my ck accnt XX/XX/XXXX deposited usps mo total {$63000.00} all M.O. cashed next day by boa XX/XX/XXXX {$1200.00} from White House eip into my accnt but my ck accnt sent to risk closure - {$1200.00} debit ( missing ) I was told my accnt balance {$67000.00} Everyday I called since. 

My accnt was closed on XX/XX/XXXX but no Balance returned. Mail fr boa attached

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 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX   and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
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:
I purchased an airline ticket, I tried to cancel the ticket in advance before the trip. The airline at first refused, then said i could get a refund through their " refund process ''. After months, they denied my request through their refund process even though I was led to believe I would get a refund. I filed a dispute with my credit card issuer, but they refuse to find in my favor. No one ever used the ticket in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: FIRST HORIZON BANK
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage company is First Horizon.

On two different occasions, I needed to do a loan modification due to financial difficulties. HUD was to receive partial payments. On XX/XX/XXXX I have proof that {$5800.00} was paid to HUD via electronic transfer and on XX/XX/XXXX a settlement for {$18000.00} was paid to HUD via electronic transfer. However, according to HUD, they know that I paid however, First Horizon never actually deposited the money. They stated that I was an oversight at First Horizon.

I have made many attempts to resolve this with First Horizon since XX/XX/XXXX. They have promised to send me E-files, faxes and a letter via XXXX from customer service, but none of these items have arrived. They do have documentation however, now one can tell me where the actual money went. 

I have since sold the home and it is paid off however, the above amounts have been held by the title company until this is resolved. 

I need assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Lima One Capital, LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my business closed on a mortgage loan with lender Lima One Capital ( https : //limaone.com ) for 2 investment properties. It's unfathomable for a lending institution, but since Day 1 our online " Customer Portal '' has never shown our monthly statements. As a result we have never known how our payments are being broken down or if they are even being applied correctly toward principal, interest, and escrow. There has always been a link that says " Bill History '' but no bills. 

Only recently the Bill History began showing 3 documents, currently dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but each of those links to the statement dated XX/XX/XXXX. ( Also I am writing this on XX/XX/XXXX, so how could there even be a document dated XX/XX/XXXX? ) I have many accounts with many different institutions, banks, credit cards, utilities, etc and never have I been unable to view any monthly statements online. It should be something any customer has access to. 

I contacted the company numerous times in the past asking when this would be fixed but was never given an answer. I was actually told by someone from Lima One that if I wanted a statement I had to contact them every time, which is ludicrous. We should be receiving our monthly statements automatically, without having to ask. I then requested that someone from Lima One create a manual task to email us our statement every month, since this is their mistake, but of course this has not happened. 

I do not know if this is a companywide issue with Lima One, or simply with our account, but it's frankly unbelievable. We simply want to be able to view our monthly statements. We want this fixed. We also want PDFs of ALL of our past monthly statements.

Company response to consumer: Closed with explanation