BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-26
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
CitiBank refused ( per XXXX XXXX letter dated XX/XX/2019 ) to credit my secured XXXX account ending in XXXX for a {$56.00} charge made on Friday XX/XX/2019, for a rental car from XXXX   XXXX on Saturday XX/XX/2019. The payment was made in advance to XXXX. XXXX   XXXX refused to accept my CitiBank debit card ( although their website clearly states that they honor them, see exhibit 01 attached ) to cover their fees which totaled {$21.00} and therefore I was not able to rent the vehicle that I paid for in advance via the XXXX website. I presented my secured CitiBank XXXX to cover their {$200.00} refundable deposit which is the maximum funds allowed by CitiBank. I contacted a CitiBank representative at XXXX XXXX ( EST, see exhibit 02 attached ) for assistance in this matter ; however, they refused to increase my secured XXXX credit limit to cover the {$21.00} charge. CitiBank then refused to honor my request to credit my account for the {$56.00} charge due to the fact that no service was provided as a result of false advertising by XXXX XXXX although I was told by XXXX on Wednesday XX/XX/2019, at approximately XXXX XXXX  ( EST, see exhibit 03 attached ), and XXXX on Wednesday XX/XX/2019, that my account would be credited for the full {$56.00} ; also See NY Attorney Generals file # XXXX. In addition, I spoke with their Supervisor/Account XXXX XXXX on Monday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 04 attached ), who was very rude, unprofessional, and exhibited a nasty attitude when she stated that the NY Attorney General couldnt help me! She did not even take the time to review my account information. Her nasty and unprofessional attitude explains why CitiBank has earned an F rating with the NY XXXX XXXX XXXX. On Tuesday XX/XX/2019, at approximately XXXX XXXX ( EST, see exhibit 05 attached ) I canceled this account via telephone ( there is no way to do it online per the male representative ), and was told that I would receive my final statement via snail mail. My account is still open and accruing fees as of todays date.

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 2021-10-20
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was formerly a resident of XXXX XXXX XXXX XXXX. And I lived in that apartment with my Nephew after my husband divorced me behind my back and moved in with my neighbor downstairs. I actually moved into that apartment on XX/XX/XXXX. On the XXXX XX/XX/XXXX, I communicated to the apartment my intentions to move out of the apartment in 90days. On the XXXX of XXXX I put a call through to the apartment to confirm if my mail was received, they the apartment staff named XXXX told me they couldnt find the mail, so I re-sent the email immediately. The manager responded to me. She put a figure on the letter indicating that if I moved out Ill be charged {$2400.00}. I questioned it immediately because what my lease term indicated was that am liable to pay {$740.00} as my last payment, once I give 90days notice. She the manager XXXX XXXX refused to reply my email and also declined to see me, to talk about the email she sent me. I went to the office again on the XX/XX/XXXX to ask XXXX one the staff why the office keep lying to the other properties agents I applied to that I didnt give them XXXX XXXX XXXX any notice. She apologized to me, and we both went over the issues of how much and she confirmed that am only to pay {$740.00}. So on XXXXi moved and dropped the keys. Immediately I moved they closed my account, so I couldnt even pay online. They went ahead to put a wrong amount of & XXXX. The debt collection Agency contacted me and I replied them in letter wrongly dated because my nephew used XXXX date format. I expected the debt collector agency to write a second letter so I can clarify the error and also agree on resolution. But I think the figure has been predetermined even before I moved. Fortunately, a mail that was important to me was sent to my former apartment, so I went to see if I could get it, and that was how I found out my apartment has already been let out to a new resident in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Ocwen Financial Corporation
State: AR
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:
OCWEN LOAN SERVICING IS STILL REPORTING 2 MORTGAGE ACCOUNTS ON XXXX SINCE XX/XX/2015. OCWEN MUST NOTIFY XXXX   REPRESENTATIVE AND MAKE SURE YOUR CREDIT REPORTING BILLS ARE PAID TO XXXX.LOAN NO.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 talked to 5 people at XXXX and asked them to remove themselves from my credit report and they said they would but just tried selling me a loan which i didnt want

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 2023-06-19
Company: EQUIFAX, INC.
State: NY
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 is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My PayPal account is XXXX and I can not withdraw my money to my bank account for over a month now. There was a dispute about the money I received and the case was won in my favor. I was notified that any hold on this money was removed and I would be able to withdraw them but still nothing! I only get templates from PayPal how their system is caring about everyone and I should wait for some more time etc!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
a bankruptcy is reporting under my name on transunion credit reporting agency, this bankruptcy is inaccurately reporting since it was filed with out my knowledge and with out my consent, a lawyer who now is disbarred, has done this to many of his clients, and he is suffering now from consequences, but now i am suffering because of this inaccuracies. 
please i have attache the police report and also filed dispute many of them with transunion who is unwilling to remove this inaccuracy from my credit file please help me to get to the bottom of this and have this inaccuracy removed from transunion reporting only 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 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is showing on my file. I have never filed for bankruptcy.

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 2023-03-03
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a l sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 120 days later, I have not received a response regarding these accounts. I feel like I'm being taken advantage of and ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my report. Because it has been over 120 days, these items are long overdue for removal. I demand these accounts be validated or be removed immediately or I will be forced to file for litigation for the mental anguish these accounts have caused me. My data was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them.

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize.

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries.

I am also a VERIFIED victim of the XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

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 2020-07-14
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with Owning Corporation. I got very good service up until the day I signed all the paperwork to close on the refinance. 
Since that day, I haven't been able to talk to anyone, after several emails back and forth, I got my closing disclosure etc. 

ISSUE : Owning Corporation refuses to respond to my queries regarding when and how I should make my mortgage payments. 
I have called several times and no one picks up/answers my calls. I left messages and no one responds. 
Several weeks ago, I was able to talk to someone and they indicated that I would get something in my mail in XXXX indicating how to make mortgage payments but I don't have anything in my mail. I still don't know how to make my mortgage payments. 
Email response to my query resulted in a link shared by Owning with Closing disclosure again but no information on how to make my payment. 

ISSUE SUMMARY : My payment is due early XXXX but I believe Owning is intentionally not providing me information on how to make my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: HW Holding, Inc
State: TX
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:
I sent a dispute letter concerning information reporting on my credit report directly to the creditor. I am unsure why they are reporting inaccurate information on my credit report. I have never gave this company the authorization to access my personally information or I never have any services with this company. They have not responded with any solution on why they are reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Last nigth around XXXX XXXX i get a email with a alert that some one try to open a Kohls/capone store charge card, so i call the company and they transfer my call 7 time, because of this, low service not helping at all people information, i call the Corporate Department, now here they transfer my call to another office ware no one can pick the phone. Some one steel my information in XXXX, ... .and i report this to credit credit bureaus..nut i also need some paper work from Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: JPMORGAN CHASE & CO.
State: NY
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:
I had a Ink Chase credit card that was all of a sudden closed. They would not explain anything on the phone and said I would receive a letter in the mail. The letter came with no explanation. I called Chase again they basically said that some affiliate ended their relationship with me so they are closing the card. They refused to explain anymore claiming they don't know more. I said how can you close a card if that's all you know. I also must know what information they have because I have no idea of anything at all wrong with my credit anywhere and suspect some foul play or some real misunderstanding. I

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: EQUIFAX, 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:
In XX/XX/2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was sold to flag star bank approximately XX/XX/2019. I was not notified properly of this and was dinged heavily on my credit report because of this. I was on XXXX  XXXX   and had a direct deposit that was set up from my the prior loan company that was not transfered over and the main reason whyy mortgage payments were not paid. I was never late on a mortgage payment prior and had a perfect credit score of XXXX between the three credit bearaus prior to this. I found out my mortgage company was transfered only when I noticed that my credit score went down. I reached out to the company that reported the late payment flagstar bank only to be notified that my mortgage was transfered in XXXX. I told the representative that I had not recieved any notification of this and while being on the phone with him we realized that they did not have my phone number nor my email on record to notify me. I was told that postage mail was sent tp notify me but I told him that I do not open mail I do not have official business with as I recieve a lot pf junk mail nor was I home because i was on XXXX XXXX  elsewhere. Either way made the payments hesitantly hoping the credit error from the mis-communication would be fixed pending payment which was never done.

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 2020-07-14
Company: National Commercial Services, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have found accounts from National Commercial Services on my credit report that are in violation of the Fair Debt Collections and Fair Credit Reporting Act. I have filed a dispute with the creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello - I contacted Capital One Bank who purchased ING Direct to  obtain copies of statements for my 2 accounts from XX/XX/2007 through close of the account. 

One representative provided the statements that I needed via fax. 

When calling back yesterday to obtain a few more statements the representative, XXXX EID # XXXX in MN, would not provide them to me. 

She said that while the statements are there, she would violate a Capital One policy of providing them to me. I asked to speak to her manager, and she denied the request. 

This makes no sense given that one representative provided the necessary documents, but she won't. Can you please help me address this situation. 

Best Regards, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: ALLIANT CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Alliant Credit Union offers a cash back rewards program. I had saved up {$2100.00} in rewards. I went to redeem it but never received my money. They claim that they have a technical issue and have refused to credit me while they investigate. They simply say it will take them weeks to look into it with no resolution to a loyal customer. I'd highly recommend staying away from doing business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Here is a copy of the letter I sent to the debt collector : I received a demand for dept on a XXXX account that I closed and XXXX kept open without my authorization. I hereby notify you that XX/XX/2018 is the first demand for payment I have received and require the following : Proof of my agreement to pay the original creditor and history of my conversations on file disputing this claim with XXXX and chat history with XXXX ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 

I note you have reported to me to my credit agencies and demand you remove this immediately before I take legal action against XXXX. 

I dispute this charge because I cancelled my account and tried multiple times to resolve this continuing charge from XXXX with XXXX. They could not help me several times because their systems were down but promised to rectify the debt that I did not owe and would call me back if not resolved. I never heard from them and now am taken to collections? I do not owe any money to this creditor. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 

Aside from verifying the debt, do not contact me about this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Beginning in XX/XX/2018 I requested validation of debts showing on my credit report from Portfolio Recovery ( see attach letter. ) I never received any validation of the debt from either of these collection agencies but they continue to report to my credit report which is a violation of the Fair Debt Collections Practices Act. I have written to them three times subsequent to my first letter and they continue to ignore my requests to prove up the alleged debt.

Company response to consumer: Closed with explanation