BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2020 - I opened Checking and Savings accounts with Citibank. I transferred {$2000.00} to Checking account. 
XX/XX/2020 - Someone stole letters with a Citibank debit card and a pin code. 
XX/XX/2020 - Someone used the stolen debit card to make purchases in XXXX and XXXX in the amount of {$640.00}. 
XX/XX/2020 - I checked balance and found unauthorized transactions in my account. I locked the debit card immediately, called to Citibank and created a claim. 
XX/XX/2020 - XX/XX/2020 - During few months I tried to return my money from Citibank. It is second complaint about this issue. More details about my steps in the first complaint XXXX. 
XX/XX/2020 - I created first complaint in Consumer Financial Protection Bureau. 
XX/XX/2020 - I received a response from Citibank through CFPB that my claim for Checking account was reopened. First complaint was closed in that time. 
XX/XX/2020 - Citibank denied my claim for Checking account again in the third time. 

Additional details for investigation : - I had never received the debit card. I didn't authorize anyone to use my debit card. All transactions from the debit card were unauthorized. 
- Purchases happened XX/XX/2020 in XXXX XXXX, CA and XXXX, CA. I was in a trip in XXXX XXXX, CA from XX/XX/2020 to XX/XX/2020. You can check my Costco Anywhere Visa Card by Citi-XXXX which have transactions for the whole period of my trip as a prove. I attached the file with transactions. Also, I attached XXXX receipt for that time. I went to the trip together with my wife and my friends. They can be witnesses. So, I was physically out of town and I wasn't able to do that purchases. 
- I had never received letters with the debit card and pin code. Please check USPS tracking data when Citibank mails were delivered. I notified USPS Informed delivery service about missed mails for XX/XX/XXXX. Feel free to compare tracking data for Citibank letters with my missed letters. 
- My mailbox wasn't broken. I didn't share keys from mailbox with anyone. XXXX XXXX XXXX XXXX leasing office is aware of my problem and they changed the lock in my mailbox. 

Questions to Citibank : - My debit card has " Zero liability guarantees ''. I notified Citibank about fraud in few hours as soon as I found unauthorized transactions. In accordance with the law and my Citibank debit card agreement I should not be responsible for unauthorized transactions. I didn't authorize anyone to use my card. Should I provide any additional form to claim it? 
- Why debit card letter and pin code arrived at the same day. It is a big security flaw. Why should I pay for it? 

Note : Another claim for Citibank Savings account is still in progress. I sent " Signed Statement of Unauthorized Use Request '' form for Savings account XX/XX/2020 to Citibank.

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 2017-12-16
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Staring in XXXX 2017, I disputed multiple fraudulent charges on my account. PNC bank refused to return my calls or respond to emails for 2 months. After many follow up calls and visits to my local branch, the disputes were found to be valid and the merchants refunded those transactions however PNC bank closed my account and refused an explanation. I have banked with PNC for many years. This has caused undue stress and work for me during the holidays. Having to open a new account, set up new bill auto payments and have my funds on a hold where I could not access them for many days has been stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Information belongs to someone else

Complaint:
I disputed a collection account on my report because it didn't belong to me. I have received the validation of debt letter from the company and neither the name or address belong to me on the bill provided. Please remove this incorrect information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28
Company: EQUIFAX, INC.
State: DC
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/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Personal information incorrect

Complaint:
I recently review my credit report and I contacted Experian so I can remove an inaccurate address which I have never lived at. Experian has refused to move the address. I would like the address Deleted from my report. I have never lived there. The address is XXXX XXXX XXXX, TN 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 2020-09-17
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AXCESS FINANCIAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2500.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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: Information belongs to someone else

Complaint:
delete accounts that are not mine police report with accounts listed on XXXX and EQUIFAX has been sent out by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: IL
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 paid off my two credit cards with. XXXX XXXX card company. I paid way over the amount i owed to keep my accoubts open. They keep reporting to XXXX  equafax XXXX the credit bureaus that i am over the kimit abd late. After i paid the cards i cut them up. The only fees i have is the monthy fees of XXXX that they are forcing me to pay to keep the account open. I keep them open because i just got pre approved for a home loan and by them reporting un accurate info to the better bureaus they are messing my score up. To solve this any money i paid to much send it back and. Contact the credit bureaus and report the right info

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: EQUIFAX, 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 written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Us bank My police insurance at home cover it is for XXXX and usbank force me increase my cover insurance for amount due at home loans XXXX Because my home market value increase They added to my monthly payment they own insurance from my regular payment XXXX they increase toXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Did you certified to the bureaus that the account XXXX was reporting accurately before XX/XX/20? XXXX or no? Because you reported false information to the bureaus about me and therefore you must delete account XXXX I supplied you factual information and proved you wrong therefore you will have to remove this account from all bureaus you will not go in and add information that was provided to you. Due to the fact thats what you guys do dont verify anything so no you will remove this account immediately no ands buts.

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 2023-02-17
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to this company last month requesting validation. They did not remove this account off my consumer report at all this account is in dispute and by law they have to remove it when its in dispute. Also they did not reply to my letter. They received this letter XXXX, XXXX 2023 and they did not reply to it. so its past 30 days and they need to remove this account off my consumer report. i have no business with this company. i will upload the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan back in XX/XX/2020. XXXX XXXX Senior Mortgage Banker at Mutual Of Omaha located at XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX, became my loan officer. XXXX XXXX my broker had been communicating with XXXX about the house contract, XXXX asked for my file information and asked if it was ready to be sent to the underwriter for loan commitment approval ; XXXX said that my file was complete and it was being sent to the underwriter for conditional approval but unfortunately XXXX sent an email on XX/XX/2020 stating that I had to do an amendment of taxes due to an unreported XXXX XXXX  from my CPA on my taxes ( which the underwriter noticed last minute ). This email was sent 2 days after the new loan termination deadline on XX/XX/2020 for this reason I have lost my earnest money due to a lender late notice about missing documents. I was never notified by XXXX XXXX nor other representatives of Mutual Of Omaha of the missing reported income until XX/XX/2020 which was after the new loan termination deadline. 
Mutual of Omaha did not keep in mind that my earnest money was in jeopardy due to the late notice. 
I want to complain about her not revising my file correctly before deadlines and for this reason I have lost my earnest money for the amount of {$5000.00}. 

I was never notified of the missing documentation on time before my earnest money was in jeopardy, I want to claim my monetary loss due to a lack of revision, communication from XXXX XXXX and all the other parties involved in Mutual  Of Omaha.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, 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 status incorrect

Complaint:
I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local XXXX XXXX ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed XXXX wrote 2 letter for me to get an XXXX XXXX animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: EQUIFAX, 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 was in XXXX trying to apply for a store credit card and i got declined. I was super embarrassed and shocked, so i went home and checked my credit report and i was shocked to see items that i didn't authorize. These Items are not mine and need to be removed from my credit report. I have contacted the FTC and the local police here. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Pinnacle Asset Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2020 XXXX pm mountain standard XXXX arizona i am reporting a fraudelent attepmt to collect a debt that violates the Fair Debt Collection Practices Act i was notified by my mother that she revived a message on her voice mail .it plays as follows " hello this is XXXX from XXXX . i have had an delivery agent out there to the property address on file and he was unsuccessful with getting some one to sign the documents today our contact is XXXX XXXX XXXX we will only be able to make 1 more attempt before we return your file as a failure to comply again our number is XXXX XXXX XXXX '' end of message from Pinnacle, the only word given when requesting the company name. 
i proceded to call the number and was requested to put in my moms phone number and the last 2 of my social. still no info on the company just a robot asking for personal information then i was connect to a person who request the same information and i was never told at this point it was a debt collection. i was currently concerned with how my social was obtained and she read me my first 5 digits i then proceed to ask who they were and she ignored that and told me she represents a law firm who is currently filling to courts for a 15 year old debit with XXXX XXXX. 
she asked if i knew anything about this and out of fear i said i remember an overdraft that was for XXXX dollars that never settled and disappeared. she said we are showing a balence of XXXX $ and we are reporting you to the bank chex system which will cost XXXX $ and placing you on a black list to prevent you from opening accounts or having any check written. i said i need a lawyer and i would not answer any more questions i said this is a scam and i will not buy into it she affirmed me its not a scam how else would she have my social security number and told me shes send someone to have me sign documents and she cant just mail them i have to sign for them, which is wrong in my opinion, .i asked for the company name she replied pinnacle and her name was XXXX XXXX which seemed fake. i told her i do not approve you to do so and how will you send it if i haven't given you an address she read me an address that i didn't confirm to be mine and she insisted shes send some one out and hung up. i was never inform prior to call that this is an attempt to collect a debt or that i am being recorded i fell unsafe in my own house and fearful for my social security number being in someones hands like this i need help and i am very scared. this is so wrong for a debt collector to use such tactics to scare people

Company response to consumer: Untimely response
Consumer complaint received 2023-11-05
Company: PREFERRED CREDIT INC
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed an account on my credit report that isnt mine. 

PREFERRED CREDIT XXXX  XXXX XXXX XXXX, MN XXXX Account Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: GA
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an alert from XXXX credit monitoring that an account with Goldman Sachs was opened using my social security number. 

Account was opened on XX/XX/22, I received the alert XX/XX/22 and emailed XXXX ( fraud email with company ) to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: ClearOne Advantage, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
( XXXX XXXX/XXXX  or Clear One Advantage ) On XX/XX/XXXX I received a phone call and email from XXXX  XXXX. I called back and was advised he was gone for the day and he would attempt to contact me back. Never received response via email or phone. I called back on XX/XX/XXXX and was on the callback list. The lady I spoke with May have stated her name, but I do not recall. Nevertheless, she stated she was my account manager and proceeded without verifying to WHO she was speaking with. Immediately after the call I emailed XXXX. Received no response. After that I emailed the company customer service twice and still received nothing. I advised I would contact the XXXX  and the CFPB for the lack of professionalism and lack of verification.XXXXI was also previously advised to put a stop payment in the month of XXXX through my bank I have ACH setup with and they NEVER said they would give me an NSF fee. I advised the agent I will not be paying it and they attempted to get it waived but their Supervisor denied me. 

I also attempted to remove my account from ACH and they said they are unable to. I feel that that is misleading and a violation of UDAAP. 

I definitely believe their lack of customer service and being courteous to their customer is horrendous and they definitely should be audited.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: REGIONS FINANCIAL CORPORATION
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:
HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF

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