BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  in the amount of {$240.00} I asked them to provide me with ATTENTIVELY REVIEW my format writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX XXXX to COMPLAINT reporting. FEDERAL laws dictate that any and all derogatory or potentially injured reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACts ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

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 2019-04-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I submitted a complaint ( XX/XX/2019 ) against Citi for opening an account when they disallowed my acceptance. Feedback from Citi ( XX/XX/2019 ) accepted my terms to close the account. I received a letter from Citi, explaining the account has been closed ( XX/XX/2019 ). I received a statement a month later ( due date XX/XX/2019 ). Allowed this statement, giving the company time to get their records in order. However, I just recently received another statement, due date ( XX/XX/2019 ). Citi did not abide by the agreement. The account is still open.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Notifed TransWorld that I made the payment to XXXX XXXX XXXX. TransWorld rep still attempted to collect a debt and send notifications of an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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 value your help to REMOVE a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$820.00} XXXX XXXX XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX XXXX XXXX Owed : {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was sent a brief email that all of my CitiBank accounts would be closed. There was no explanation as to why, and my access to the accounts and cards was suspended as of that day. 

I called immediately and was given no information just told this was happening and there was nothing I could do to stop it. 

I called again XX/XX/XXXX to call. They were unable to tell me why the account was being closed. They told me there was no actions I could do to stop this process or make it happen quicker. I had no access to any of the money in the account or any way to view the accounts. I was told the money would be sent in XXXX days along with a letter explaining why this happened. I explained this was NOT ideal, as I needed the money in the account to live, and couldnt wait XXXX days for it. They were closing my account for no reason with no explanation and I had no access to my money. 

I called again XX/XX/XXXX and was hung up on. This repeated daily. I called at least 6 times requesting information or access to view my accounts to no avail. I was constantly transferred, hung up on, disrespected on the phone. 

In XXXX, I finally received the funds from the closed account. These funds were significantly less than I had been expecting as the account had well over the amount I was paid out. I deserve information on where my missing money went. 

Additionally, no information as to why this happened was provided. I was promised I would receive information on why this closing has happened.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It has been found out that you are not REMOVING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXXXXXX Balance : {$6900.00} ; XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$160.00}

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 2017-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
This is a continuation of my complaint, XXXX, where I provided documentation showing multiple payments were not credited accurately on my credit report. 

Capital One responded back via this portal as follows : " Although we have received payments on your accounts on or around XX/XX/XXXX and XX/XX/XXXX, many of these payments did not satisfy the full minimum payment due, or were not received. Ive enclosed a copy of your statements from XX/XX/XXXX to XX/XX/XXXX for your accounts, which shows the minimum payment due and the payment received. '' The problem with this response is that it fails to acknowledge the agreement Capital One provided to me during that time in effort to catch up on my balance. 

The agreement stated that my account would be made current once I made three consecutive payments for a specific amount on each of the three cards. The response quoted above suggests that I was not credited for making payments for the months in question because I " did not satisfy the full minimum payment due. '' However, the true " full minimum payment '' was determined by the agreement and not by what was listed on the statement. In order to reinstate my Capital One accounts, I HAD to make the full minimum payment as defined by the agreement, for which I did, evidenced by the fact the accounts are now in good standing. 

Once again, I request Capital One update my credit reports accordingly to reflect my XX/XX/XXXX and XX/XX/XXXX payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: OH
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$980.00} XXXX  XXXX XXXX Balance : {$0.00}

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 2019-04-15
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been ill and tried to keep up. We filed a Chapter  XXXX in XXXX and were paying regularly. In XX/XX/XXXX the payment suddenly rose from a manageable {$1400.00} to {$3200.00}. We are both on Social  Security+ pension and our total per month is {$2700.00}. We asked our Attorney { XXXX XXXX from XXXX, PA ] how and why. He said 'because they can ' and that we would need to find a way to pay it! We couldn't and we had to suspend our plan in XX/XX/XXXX. The total mortgage owing was {$61000.00} at that time. Our loan servicer was OCWEN. They have refused to work with us in any way. We couldn't even pin them to a mortgage amount and our attempts to pay resulted in the checks returned. We attempted to get another Attorney to help and all required ~ {$5000.00} retainers! Now they have 'foreclosed ' and we just received an 'ejectment ' notice! We built this home 25 years ago, we are elderly and ill. We need HELP!!! Please help us to stay here. I guess we'll need some type of stay until we can secure a loan to start a 'buy-back? I will also appeal to XXXX for some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
so I have a Paypal credit account with account no. XXXX XXXX XXXX XXXX that is in fact my account because I recently paid off this account balance with I refinanced my home the balance was paid in full on XX/XX/XXXX 2021 with a a check from XXXX, with check number XXXX, The problem is that I received a statement from Paypal credit on XXXX XXXX,2021 with a new account number of XXXX XXXX XXXX XXXX with a statement balance of {$900.00} with my name and address the complaint is with this account I have never opened another account after paying off all the debt with my refinance, so I do believe I'm a victim of fraud in this account, I've contacted the Paypal credit services about this account and they keep hanging up on me so i really don't know what to do about this account and I already filed a dispute with XXXX  about this account and it has made a negative and delinquent on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Atlanticus Services Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a XXXX credit card account holder. I have called in to XXXX  credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX  charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$590.00}

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 2019-04-15
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper is my mortgage company. I have contacted them numerous times, including twice on XXXX. The company has refused to pay the taxes out of my escrow for my second piece of property and the penalty acquired on both pieces due to their lack of accepting responsibility when acquiring my loan from the previous company. I had to pay due to the threat of garnishment due to my being a XXXX employee. XXXX XXXX has repeatedly ignored my request for the second piece to be paid, never even acknowledging the property in previous complaints. I can not believe the audacity of this company to think that it is ok allow penalties to occur and then dump the fee on the consumer. I would not recommend this company to anyone and will pursue whatever means necessary to make sure this company does not do this to another individual. I have had to pay the taxes/penalties, lost time at work, spend numerous hours on phone and have multiple emails to document the attempts to resolve this situation. I believe they are stealing from consumers due to their admitting that it happens all the time and it needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I recently receive a letter from a third party collection agency that was given my information by Suntrust Bank. Suntrust closed the account XXXX XXXX. The balance owed is XXXX. I am completely unaware of any charges or transactions in the amount of XXXX. I called Suntrust Bank on XX/XX/XXXX and XX/XX/XXXX to rectify the problem. After speaking with several representatives and departments I was told that they could not see my transactions in their system, however they requested that I pay the balanced owed. As of today, I have not been able to resolve this matter with the bank because of the lack of information they have to provide. I would like answers pertaining to my account and the last few transactions that lead to an inaccurate balance.

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 2023-01-17
Company: Credit Corp Solutions Inc.
State: FL
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:
I was contacted by Credit Corp Solutions Inc ( CCSI ) via phone stating they acquired a debt from XXXX and I owe them {$53.00}. I never had a debt with XXXX for {$53.00}. I have also been a victim of identity theft, which continues to plague me. I spend countless hours dealing with this type of harassment and I'm fed up. CCSI has now mailed me an affidavit to fill out regarding the debt, which requires a notarization. I do not know a notary, nor do I feel I should be burdened with trying to obtain and pay for a notary for a debt that is not mine. I do not have the money to run around town looking for a notary and to pay for the service. I should be compensated for trying to fix a problem that is not mine and for the incompetency of a company who falsely issued a service/product in my name. Finally, I filed BK in 2020 and whatever debts that were and were not mine should be protected under the filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX* Balance : {$9900.00}

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 2023-01-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I accepted an agreement with Chase for mortgage assistance back on XX/XX/XXXX in which I would pay {$100.00} per month for XXXX XXXX The program ended on XX/XX/XXXX. When I called to make a payment on XX/XX/XXXX, I was told to make another payment of {$100.00}. I did that. Later in XXXX I filed for additional mortgage assistance with Chase. In XXXX of XXXX, I was told that I was turned down for additional mortgage assistance. I am now working to pay the balance owed after the first mortgage assistance expired. However, on XX/XX/XXXX, Chase sent a delinquency notice to the credit bureaus stating that I missed my payment for XXXX. That is not correct. I am current through XXXX and am working to be current for XXXX as well. I have contacted Chase about this and they refuse to assist me.

Company response to consumer: Closed with explanation