BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I opened a checking account at Citizens Bank as part of a bonus offer mailed to my home of residence. Per the bonus requirements, I changed my direct deposit to the new checking account in the amount of {$500.00}. This would qualify for a {$300.00} bonus. 

On XX/XX/XXXX, I was unable to log into my bank account online. I reached to Citizen Bank customer support via phone and was told my account has been closed. The support representative was not able to provide a reason why it was closed and told me I will be receiving a letter detailing the reason of closure. Furthermore, numerous attempts were made local branches to acquire this letter but were met with the same fruitless responses stating to wait for the closing letter.

To present day, I still have not been received any formal notification or letter in regards to why the account was closed, thus effectively denying the checking account bonus offer solicited by Citizens Bank. The action and practices by Citizens Bank should be deem malicious and predatory, as their attempts to collect my personal information and cajole me to direct {$500.00} from my employer direct deposit that only serves to benefit themselves.

Additionally, Citizens Bank continues to send me the same exact checking bonus offer to further solicit my direct deposit funds to their bank. Brazenly enough, this Bank has even went as far to off entice me with a personal loan offer for them to pull my credit report information and deny any terms of the offer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Theres still a hard inquiry by XXXX credit on XX/XX/2018 showing on my TransUnion credit report that was not authorized by me. This is the 3rd time since XX/XX/XXXX in less than 6 months that I have to keep contacting you to get this removed. This company needs to be fined for reporting incorrect information on my credit report! I did not authorize XXXX to do an inquiry on my credit report! TransUnion has still Not Removed it! REMOVE THIS 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
The Letter I sent on XX/XX/XXXX was my XXXX letter writen inrforming the Credit Bureaus that I am a victim of identity theft and I write to dispute certain information in my files resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. I scpificaly highlighted to importance of the FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I need the following items removed from my Credit report : 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 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 Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-27
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
This account I have disputed this account but it appears on my file still.

The original dispute took longer than 30 days for the merchant ( American Express ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: Academy Mortgage Corporation
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with academy mortgage with XXXX XXXX on XXXX XXXX. I have been in contact with the lender quite often up until I finished uploading all my documents. I have reached out to the lender via text and through the website but havent received a response regarding the loan estimate. I havent received anything officially in the mail. I was given a good cost sheet via email on XXXX XXXX. It has become very difficult to contact my lender and their team since going under contract. Im afraid they have my personal information now and I dont know what is going on. I was also told to sign something that didnt have the accurate information on it. I declined signing it until it was updated. I still have not received the updates version.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CL Holdings LLC
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: Account status incorrect

Complaint:
I paid off my Debt to XXXX XXXX XXXX ( Verizon ) on XX/XX/2020 It was a ''Pay For Deletion '' meaning I pay the balance and the collection/chargeoff would be removed from my Credit report ( XXXX , XXXX , XXXX ) but It never was Its still showing up as a negative mark on my credit report I have the letter from jefferson capital attached showing i settled my debt and the collection/chargeoff would be removed from my credit report Im in the process of rebuilding credit and this negative mark on my credit report has dropped my score by 50 points i need Jefferson Capital to notify the 3 credit bureaus which are experian, transunion , and equifax to let them know the account is paid off and to remove from my credit report ASAP I will not stop until The items are removed Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSWORLD SYSTEMS INC
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
After noticing that I had an old mailing address listed on an electronic statement from UAS Connect, I logged on to attempt to change that information. I noticed I had 2 lines of credit open which I did not believe to be accurate. When speaking with a customer service rep she first acknowledged the two lines, stating the loan had been transferred and I remain with 1 line of credit with UAS. Once questioned on where this unknown line of credit came from, she spoke with her supervisor, then stated the loan was not transferred and instead I had 2 original loans at 7.4 % that were combined in 2019. When asked for the disclosure statements for the apparent refinancing she stated they do not have that information. I then asked for the original loan note from my original servicer ( XXXX XXXX ) that sold my loan to UAS, to verify that one loan, Not 2, at 7.4 percent interest was sold. again this information was not provided.

Despite my requests for original loan documents and escalation to any representative that could demonstrate 1 loan was sold to them from thrivent, remained one loaned at the original terms, and that there was no evidence of an extra loan as evidenced by my account summary currently showing two lines of credit they were unable to assist me. I have concerns that my loan was split into two original amounts with two separate interest amounts applied a, then combined without my knowledge of likely an error.

I will provide specific statements in my portal if needed but the original documents are not accessible per UAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Checking Account ending : XXXX Latest Promotional dispute : XXXX XXXX : XXXX ( opened XX/XX/XXXX ) This complaint is regarding promotional cash bonus offered to me, if I opened certain types of accounts and completed certain requirements. 

I was a Citi credit card customer at the time and in XX/XX/2020, based on the offer provided to me via my credit card account login, I applied to open Citi Priority account. But, the account opening process failed online and I was given a phone number and an error code to contact Citi. 

When I called and explained to them that the account opening had failed, the agent offered to open the account for me over the phone and also offered a different ( supposedly better ) bonus offer for opening Citi Priority account, that was in effect at the time. 

The offer code given to me was XXXX. It had 2 rewards. First was a Cash back booster on my credit card cash back until end of XX/XX/XXXX. Second was a cash bonus of {$700.00}, if I deposited {$50000.00} in to the savings account and kept it for at least 60 days. The cash back was supposed to be deposited to my account after 90 days of fulfilling the 60 day deposit requirement. 

Based on this, I opened the required accounts on XX/XX/XXXX. My account was fulfilled on XX/XX/XXXX ( Email confirmation from one stop fulfillment representative XXXX attached ).

I had problems even with the credit card booster ( first reward ), but Citi eventually fixed that issue and even today, I am getting the cash back booster, as promised. I get 2.5 % cash back, instead of the regular 2 % ( Latest credit card statement showing booster amount attached- Last Name and other details scrubbed for security ). 

But, Citi is refusing to honor the other promotional reward, the {$700.00} cash bonus. I have called several times and in turn, they opened several " reward disputes '' for me. But, every time, their " back office '' refuses to grant me the reward that I am entitled to. The latest attempt is by XX/XX/XXXX/XX/XX/XXXX ( new accounts specialist ), who was kind enough to follow up several times and even apologize and unable to explain why their back office is just refusing to give me this cash bonus. 

The refusal letters say, if I have any proof of the promotional disclosure. However, I did not receive the offer directly, but over the phone when the agent opened the account. I do have a welcome package that talks about the promotion and that I am eligible for it, once I fulfull all conditions, which according to their own agents, I have completed. I will be attaching parts of the welcome package booklet that was mailed to me. 

Please help me in getting the cash bonus that I am entitled to. 

Sincerely, 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 2020-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I recieved calls from XXXX XXXX XXXX. USAA. XX/XX/XXXX I waited 56 mins XXXX ID XXXX Attempted Collect on FDIC ID THEFT case # XXXX. USAA WAS MADE AWARE OF ID THEFT XXXX see. attatched Fraud Claim Letter XX/XX/XXXX Unauthorized Charges {$470.00} on card XXXX. See attatched CRIMINAL INVESTIGATION POSTAL SERVICE Letter XX/XX/XXXX. ( UNAUTHORIZED TRANSACTIONS are ID THEFT. AND ITEMS NOT DELIVERED are ID THEFT ) FTC Guidelines ID THEFT COLLECTION IS UNLAWFUL. USAA does Not folliw FTC guidelines. Then XXXX came on line to harrass telling me I just did not want to pay my debt. CHECK MY PAYMENT HISTORY SINCE XXXX. USAA NEVER RESOLVES FRAUD THEN COLLECTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I am disturbed that the Credit Bureaus Experian and XXXX  continue to list the bankruptcy that was Voluntarily discharged on XXXX XXXX, 2017 as confirmed in my credit profile. It is their policy to keep reporting bankruptcies that are adjudicated for ten years, but the Fair Credit Reporting Act, Section 1681c, mentions nothing about dismissals or fillings. The Law clearly states from the " date of adjudication '' or " date of order for relief. '' Any case, whether civil or otherwise, the bankruptcy no longer exists in the eyes of the law once dismissed, and never adjudicated. This is nonexistent information that should not be kept as public information. I am requesting that the Bankruptcy information is deleted from my Credit Reports and I request that a updated copy of my reports to be sent to me when the action is complete. I would appreciate a response on this matter within 14 calendar days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Below please find excerpts from a deb collection letter received by me : National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX Toll free XXXX " Dear first name, last name, National Recovery Agency in a debt collector. We are trying to collect debt that you owe to XXXX XXXX. We will use any information you give us to help collect the debt. '' Our information shows : As of XX/XX/XXXX you owed {$280.00} ___________________________________________________________________ There is more on the letter sent but I can not rewrite the entire notice. 


I do not use " XXXXXXXX XXXX  '' for medication. I use XXXXXXXX XXXX XXXX which falls under the umbrella organization of " XXXXXXXX XXXX  ''. I spoke with botXXXX XXXX XXXX XXXX XXXX ( which I have used in the past ) on XX/XX/XXXX and both companies confirm that I have no outstanding debt and that all payments were received in full. 

Furthermore, the date of service on the collection letter does not coincide with any date I may have used " XXXX XXXX  '' When I called National Recovery Agency on XX/XX/XXXX the first thing they asked me in a brash manner was " how did you get this number? '' That seemed odd because obviously I would be calling them about my debt collection letter. They then could provide no further information regarding the claim or the date of service. They became condescending and belittling. I conference called National Recovery Agency with XXXXXXXX XXXX on the line to try to settle any discrepancies and no further information about the debt they were trying to collect could be offered.

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 2021-07-21
Company: GUARANTEED RATE 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: Credit inquiries on your report that you don't recognize

Complaint:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
3rd REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
To all representatives rectifying this situation, These companies listed have dismissed my attempts to rectify my situation. I sent them a letter on XXXX XX/XX/2020 to inform them of the inaccuracies on their reports. These companies have completely dismissed my efforts to rectify my situation and continue to report inaccurate information. I am cognizant that Federal law requires these companies to respond within thirty ( 30 ) days ; at this point it has been ( 126 days ) and they have failed marginalized my situation and decided not to update me on my situation. I'm also aware that according to Section 611 ( a ), a failure to investigate these items within 30 days mandates these companies to remove the listed items immediately. Again I would like you to know that it has been over 126 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to this situation making it impossible for me to get approved for a home loan. This has stressed me out significantly and need correction immediately. Please be informed that my information was compromised within the Equifax data breach and this may be the result of this nefarious activity on my reports.

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 2021-12-02
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am re-financing my mortgage through XXXX XXXX. My current Mortgage is held by Mr. Cooper/Nationstar. Mr. Cooper charged me a XXXX dollar fee for an expedited payoff request that I never authorized. I called and after speaking to XXXX different people they removed the fee. Then on the next mortgage statement a XXXX dollar fee was added. I have been on the phone with the mortgage company " Mr. Cooper ''. They will not refund this XXXX dollar fee. I never requested an expedited payoff. The are advising that another mortgage company requested the payoff on my behalf. I advised I never authorized that fee. I am currently on hold with them now to get the fee removed. This is horrible customer service and the fee still has not been removed. The fee is only XXXX dollars, but I feel that I should not have to pay a fee that I did not authorize no matter how much it is.

Company response to consumer: Closed with explanation