BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. 
Citibank closed by checking account I received 2 emails emails on XX/XX/2022 " We noticed unusual account activity For your security, we've temporarily blocked your accounts. '' And another one after 15 minutes " Your Citi account ( s ) will automatically close within 60 days '' The email promised that I will get more details in a physical mail and a check with remaining funds, but I did not receive it. Multiple calls to consumer service with my complains about lack of information did not resolve the problem. The only response was physical main is coming, noting is available in the mailbox.

I still get some useless physical mails from Citibank. For example, one mentioned a product change for closed Citi XXXX credit card. 
Communication with the bank is also strange, they mentioned suspicious activity, but did not provide a way for me to verify what happened - access to the web site is forbitten and customer service phone representative tell that they don't see the info since account is closed. 

Please ask Citibank for the reason why account was closed and confirmation that proper explanation was send to me. I also want an easy access to receive the remaining funds. Waiting for check send by a mail takes too long and I don't even know if it was send. 
Thank you. 
XXXX. 

Account details : Online checking account XXXX XXXX XXXX XXXX XXXX Email : XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL 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 2019-09-22
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE AMOUNT I OWE IS {$330.00} ... EVERGREEN PROFESSIONAL LOCATED AT XXXX XXXX XXXX XXXX # XXXX XXXX, WASHINGTON XXXX ... THIS COMPANY HAS FRAUDULENTLY SENT THAT I OWE {$330.00} ELEVEN TIMES TO MY CREDITOR REPORT AND SEVERAL TIMES THEY CHANGE THE AMOUNT TO MAKE IT SEEM LIKE A NEW AMOUNT THAT I OWE!!! THEY ARE COMMITTING FRAUD AND BREAKING THE FAIR DEBT COLLECTION PRACTICE!!! THEY CAN'T DO THIS!!!! THEY ARE HARASSING ME THROUGH MY CREDIT REPORT CAUSING ME ANXIETY AND AN ENORMOUS AMOUNT OF STRESS, IM GETTING XXXX AND CANT FOCUS OR THINGS STRAIGHT THEY ARE CAUSING THIS BY LYING SAYING I OWE " WAY '' MORE THAN I REALLY DO!!! THEY ARE GOING TO CAUSE ME TO HAVE A NERVOUS BREAKDOWN AND LOSE MY JOB OVER THIS!!! THEY SHOULDN'T EVEN BE IN BUSINESS BECAUSE THEY COMMIT FRAUD AND LIE!!!

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 2019-09-22
Company: Experian Information Solutions Inc.
State: WA
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:
Contacted Experian 7 times but they are still unable to correct the XXXX errors on the credit report

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 2022-01-18
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.

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 2022-01-18
Company: EQUIFAX, INC.
State: NJ
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:
Credit reports companies are showing a writing off account as open/closed on my credit report and still showing the full amount of the balance as open and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: CL Holdings LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
CFPB complaint XXXX addressed the FINAL XXXX XX/XX/XXXX Statement with a paid in full, account # XXXX, balance {$0.00}. Jefferson Capital Systems LLC has fraudulently manufacture account # XXXX with an imagined amount of {$1500.00}. IRS ruled XXXX XXXXs identity theft with the ongoing requirement of a PIN, identity protection #. The XX/XX/XXXX Jefferson Capital attachment remains intentionally corrupt in the absence of the original XXXX XXXX signed and authorized account # XXXX service contract. 

XXXX XXXX and XXXX XXXX have also refused provision of original XXXX XXXX signed and authorized account # XXXX service contract. 

Respectfully there was never an XXXX XXXX signed service contract. 

CFPB has scrambled XXXX, not available to XXXX and  illegally shared this complaint with non-interested parties. 
URL No Longer Exists You have attempted to reach a URL that no longer exists on XXXX. 

You may have reached this page after clicking on a direct link into the application. This direct link might be : A bookmark to a particular page, such as a report or view A link to a particular page in the Custom Links section of your Home Tab, or a Custom Link A link to a particular page in your email templates If you reached this page through a bookmark, you are probably trying to access something that has moved. Please update your bookmark. 

If you reached this page through any of the other direct links listed above, please notify your administrator to update the link. 

Thank you again for your patience and assistance. And thanks for using salesforce.com

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

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 2022-01-18
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had two ( 2 ) emergency room visits to XXXX XXXX XXXX Emergency room. The first date was XXXX XX/XX/2021 and the second was XXXX XX/XX/2021. Total amount that is said that I owed was {$2600.00}. I called my insurance company whom is XXXX about the outstanding amount and they stated that I don't owe anything additional and my explanation of benefits for those two visits shows the same thing. I provided the documentation to the collection agency which is Balanced Healthcare Receivables and the person I spoke with was XXXX XXXX at XXXX Extension XXXX. I received an email from him saying that the explanation of benefits I provided didn't show the physician charge. I called him back and told him that after speaking to XXXX they gave me a call reference number XXXX and to call them and they will speak to him and show that I don't owe them anything. He refused to call and said he couldn't do any adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-06-05
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:
THIS IS NOT A DUPLICATE COMPLAINT On XX/XX/XXXX,  Equifax reported to Consumer Financial Protection Bureau that they deleted addresses listed in the original complaint submitted. They did not Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX As of today, those fraudulent addresses, which were included in Identity theft Affidavits and a police report, are still reporting to my credit report. I contacted Equifax again today and was told they would file a dispute and it would take another 30 days to remove the addresses and the collection. But they reported to the CFPB that they were already removed on XX/XX/XXXX. 

Equifax has not followed the laws and have also performed a dishonest act by providing the CFPB with false information. 

They are also reporting XXXX XXXX XXXX XXXX XXXX   that was removed because the entire debt was paid. This is inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: Clarity Services
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: Information belongs to someone else

Complaint:
I sent a letter to Clarity Services Inc after reviewing my credit report and seeing an inquiry done by the company. I asked that the inquiry be removed from my credit file because I did not authorize it. Clarity Service Inc responded to me by stating that can not investigate my claim until they receive appropriate of my identity. Clarity Services Inc is asking me to send them a copy of my driver 's license, social security number and date of birth. I do not feel comfortable sending them my personal information as I have no dealings with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: United Revenue Corporation
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:
This item was removed for XXXX and XXXX but XXXX will not delete this incorrect collection from my report UNITED REVENUE CORP XXXX XXXX XXXX XXXX XXXX XXXX, 2013 {$940.00} {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I found a XXXX  check for the collateral balance remaining from my secure credit card I had with Wells Fargo. The cashiers check and letter are dated from XXXX, but I had just found the document on XX/XX/XXXX. I first tried to call to verify that it would be able to be cashed at a branch, I got no response from any customer service agent at Wells Fargo. I then tried to cash it at a local branch, they said they could not and told me to contact customer service. After many attempts to get this issues resolved, after several agents continuously transferring me to department after department within Wells Fargo customer service I still have no resolution to getting my funds which Im legally entitled to. I have the letter and the check number but yet anytime I speak with Wells Fargo over the phone I am either transferred to the incorrect departments or hung up on.

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 2022-01-18
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX of XXXX I started a loan modification with round point mortgage. After I signed and returned the document in XXXX of XXXX my loan was sold to BSI financial Services. They in turned started their own loan modification. As of this writing ( XX/XX/XXXX ) the loan modification has not closed. they list me as XXXX XXXX  behind because they have not melded the two account, they also list me as being XXXX behind, and have reported me twice as being delinquent to the credit bureaus. Because of their reporting I am unable to qualify for any other loans. They are using this modification to suppress my ability to remove my loan from their institution. Even with Covid it should not take over a year to complete and Modification. Their slow walking the modification has cost me thousands that I could have saved with a better rate, and their reporting a thwarted my ability to get out from under their control. Or qualify for better rates on all my credit needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I d

id a wire transfer of {$8400.00} on XX/XX/XXXX to my Coinbase account. It has still not shown up to my account .... I contacted my bank which is XXXX XXXX XXXX to confirm the wire transfer went through that same day I submitted it. I contacted their bank XXXX XXXX and they received it that same day and posted it to Coinbase that same day. They told me now it 's just on Coinbase end to post it onto my account however there is still no money in my account .... Their website states it normally takes 2-3 business days for wire transfer. Today is now XX/XX/XXXX. I 've tried contacting them numerous times and never got a live person or a response until yesterday on XX/XX/XXXX when I spoke to a manager who could not give me any info besides they 're escalating it to a specialist. After speaking with him I started doing research and discovered there are tons of people that are going through the same problem that I am and have not gotten it resolved it months.

Here is a link for proof : XXXX XXXX XXXX/ I started a service request with my bank to get my wire transfer back on XX/XX/XXXX. My bank said they 're now waiting on Coinbase 's bank XXXX XXXX to send me my money back ... still nowhere to be found. I contacted Metropolitan bank and they said they 're waiting on Coinbase however still have not heard back from them. I am worried about them even sending my wire transfer back because many people complained about how their money never showed up after they told them it has been sent back ... This was meant to be an investment however it has set me back by XXXX of my hard earned money and now I 'm on the verge of being homeless because of this. Please help!!! My bank XXXX is telling me they cant do anything, XXXX XXXX is telling me they cant do anything, Coinbase support is not existence. Please help me get my money back. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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: Their investigation did not fix an error on your report

Complaint:
Equifax is reporting the following medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt 2 ) if it is my debt WHO I Owe and where to pay I have already disputed with Equifax multiple times over 4-6 months and still i do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$200.00} Account No.XXXX Amount {$480.00} XXXX & Equifax is reporting inquiries on my credit files that is paid off and still needs to be removed. I have a right to an accurate credit file and types of inaccuracies are unacceptable. 

Account No. XXXX Amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: United Compliance Services, LLC
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is in regards to case # XXXX, XXXX, and XXXX. 
At the very beginning of this they said they would not quit calling us because they said it was the primary number my son gave for him. When we spoke to him he stated he never gave our number out. They have lied to us numerous times including telling us that different employees had spoken with us. My answering machine has XXXX XXXX 's name recorded on it and yet XXXX the manager tried to tell us it was a XXXX that spoke with us. They said they are not the company that was involved in this and yet when I called the number they gave and asked them if they were XXXX they replied yes they were.They have continued to harass my daughter and myself. My daughter and I called XX/XX/17 and told them we were recording the call and did record the call requesting a cease and desist fax number and what they needed to process this and were told they do not give this out and will not honor one any way. At the beginning of the call my daughter asked them the name of the company and asked if they were XXXX and told them they were being recorded and they said yes they knew. They verified that they are XXXX and knew they were being recorded and got defensive they ended up hanging up on us. We do not need to be harassed by creditors and the information that they have shared with us should have been private information.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-28
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
United Revenue Corp is reported as a collection debt on my credit report with XXXX. It shows date opened as XX/XX/XXXX and date closed as XX/XX/XXXX. Original Creditor is XXXX XXXX XXXX for a past due amount of {$630.00}. I am certain that this is not my bill. I also know for certain that I have not had any outstanding medical bills. I have had the same medical insurance since XX/XX/XXXX and use my flexible spending account in addition to my insurance to pay for any medical services. They have failed to contact me via phone or mail to provide me with any bills & contracts for this alleged debt. I have made numerous calls to them at XXXX along with the credit bureau and have made no progress.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The company named MCM contacted a family member and stated that I have a lawsuit with my name on it. I have no knowledge of this lawsuit as I have not received any official documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX XXXX Has reported on my TransUnion report on ( XX/XX/2018 ) I DO NOT own or have any accounts with this company, I dont know who they are. I need this DELETED from my TransUnion report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation