BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-04
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with Citicards regarding a fraudulent transaction in XX/XX/2019. The grounds for this dispute were : 1. I verbally agreed to purchase the product upon a guarantee ( in email ) by XXXX XXXX, the company founder, that he would " personally see to it that I increase my monthly income to $ XXXX in 3 months ''. This guarantee was not met. 

2. Once I agreed verbally to purchasing the product, I was unknowingly charged {$5300.00} on a credit card he had on file, without receiving any receipt, invoice, or contract for the transaction. 

3. Despite numerous attempts to resolve the issue and/or get a refund over phone and email, XXXX XXXX refused to provide any actionable advice or assistance in resolving the matter. 

Despite assuring me otherwise, Citi has refused to help me in this matter despite my providing ample evidence that proves the merchant is obviously a fraud..

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 2019-11-04
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We rented a house advertised on XXXX from XX/XX/XXXX to XX/XX/XXXX. The house was clearly advertised as heated, which was important since we were there in the middle of winter. Upon arriving however, we found that the only heat we available for sleeping at night were two small room heaters, one for each of the two bedrooms. Since the master bedroom was about 300 sq ft and overnight lows were 40 degrees Fahrenheit, the rooms were essentially unheated. We had a small child   with us, and after two nights of freezing cold we cut our visit short and went to a heated hotel room. 

We first tried unsuccessfully to resolve the issue with our hosts, who at first said they would offer a credit, but then reneged. 

We then unsuccessfully, to file a dispute with XXXX but they were unresponsive and put the onus on us to resolve it with the hosts. 

Finally, we filed for dispute resolution with our Citi AAdvantage MasterCard, which we had used to pay for the vacation. Our understanding of our agreement with Citi is that we are entitled to a refund if services or goods are defective or inadequate. We provided a detailed timeline of events, along with pictures of the listing, the room, the small space heaters, and the correspondence with XXXX. The total payment was for {$1400.00} -- we subtracted the first two nights we were in the flat, and requested a credit for was {$880.00} However, Citi refused our request on five different occasions. Finally they offered us a {$200.00} credit ( {$680.00} less than the amount we disputed and were out of pocket ) and closed the dispute against our wishes. ( At NO point would Citi dispute resolution personnel actually talk or email with us. Our only communication was a series of denial forms ) During more than two decades of using this Citi card, we have only disputed one other bill -- a railing installation at our house which was not completed for {$700.00}. We wish Citi would consider standing by its customers, and abiding by the agreements under which it issues cards to them.

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 2023-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There's an account on my credit report that do not belong to me. Please remove it in its entirety.

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 2019-11-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I have contacted the FTC and local police department. I am now reaching out for your help with this issue. I need this items deleted 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.

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 2021-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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 am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file due to this credit card. I tried multiple times closing this card and no action was taken by the company. I first closed the account in XXXX of 2021 which the company refused to process my request and continued to list late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a phone call from a Courier service/processor who said they were trying to deliver legal documents to me but were unable to get with me. They gave me a phone number to call to reschedule the delivery and receive more information regarding the situation. I called the phone number, ( XXXX ) XXXX, and reached a man named XXXX XXXX with XXXX XXXX. He informed me that this was regarding a checking account that I had with Wells Fargo bank from XXXX to XXXX which was over drafted by {$460.00}. He said that the account was marked as unresponsive because they were never able to get in touch with me and that Wells Fargo had handed the account over to their collections and legal department who were pursuing legal action against me to collect the debt as well as for Theft of Services and a possible legal retainer fee which could all amount to up to 3x the original debt plus a {$1000.00} legal retainer amount. He said that I could settle the issue outside of court which would help me avoid a judgement being placed on my Credit Report by paying the full original debt amount through their credit processor before any papers had been served to me. I asked if I could contact him later and he provided me with a phone number, ( XXXX ) XXXX, and told me that he would be in the office until XXXX XXXX but then changed it and said XXXX " our time '' but he's usually dealing with the east coast so he mixed up the times.

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 2023-05-19
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$10000.00} ; XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} ; XXXX, XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, 2022.

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 2019-11-04
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:
I contacted experian letting them know I have a written agreement with the XXXX XXXX   XXXX who is no longer managed by XXXX XXXX. XXXX XXXX XXXX   never sent me anything in writing of such debt I dont have a contractual agreement with XXXX XXXX XXXX legally they dont have to 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 2019-11-02
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 2021-04-06
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr Cooper will not grant further forbance, and now my payment is through the roof. Im a XXXX veteran on fixed income and wife still not working due to Covid. I can manage my original payment, but nothing further. Mr Cooper will not work with me and I feel that it not right since President Biden has extended forbance and i have a VA loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, 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:
Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I began paying off and paying down balances on ( 2 ) Capital one credit cards in XX/XX/XXXX. Including paying off total balance on 1 card on XX/XX/XXXX. The bill due date for this card in on the XX/XX/XXXX of each month. the Bill due date for my other card is the XX/XX/XXXX of each month. Capital one has stopped reporting to the ( 3 ) credit bureaus since I began paying down the balances. Capital one has also changed statement date online to further conceal credit score manipulation. Any month that these ( 2 ) cards had high balances or late payments the correct info reflecting such was reported timely to all ( 3 ) bureaus but all months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) in which balances were being reduced or completely paid off, the information was either reported inaccurately to the bureaus or not reported at all. This is blatent credit score manipulation in which Capital One actively and aggressively takes steps to keep consumers credit scores low. I have attached reports from all ( 3 ) credit reporting agencies to confirm this as well as screen prints from my account access with capital one. I have spoken with Capital one customer care on several occasions to resolve this issue and have been told each time that my updated account info was reported to XXXX, XXXX  and XXXX  on the XX/XX/XXXX of each month. My most recent call to them on XX/XX/XXXX i was then told that my account history was reported on the XX/XX/XXXX of each month. These have clearly been lies as confirmed by my attached documents of credit reports provided directly from XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2019 I had problems accessing my online banking I had notice that my password and username was changed numerous times and I contacted the bank of America coustmer service due to my checking and savings account showing a over drafted balance and I don't understand that my checking account and savings account was at a negative balance if in my savings account I had {$2600.00} balance and my checking account had a {$840.00} remaining balance but Bank of America coustmer service transferred me to the fraudulent department and they was supposed to dispute the charges and send me new debit card and due to my vehicle be stolen and my personal laptop was in the vehicle all my online banking was in my laptop and whoever stole my vehicle had access to my on line banking and cleaned my accounts out and stole my wallet so I was able to I was waiting for a debit card and never received one but I deposited a check into my account since I'm my brothers payee and they told me I have to add my brother on bring in two verification forms showing identity so I went in with my relative Brother XXXX XXXX and since I didn't have valid Identification Card ( ID ) the lady that was speaking to me told me come back when I get my identification card ( ID ) so time pass and I come showing a paper that I applied at Department Motor vehicles for renewal of my Identification Card ( ID ) and I was told my account was being closed my checking account and savings account I ask representative for what reason they said because I didn't add my relative on my account on time so practically I never was refunded my remaining balance that was in my checking account and savings account and I feel that that's not right and they lady told me that both accounts had no funds that on my online banking money was transferred I'm like how I was told no one can touched my online banking savings account and checking account unless we go into the branch office and show proof of identification card ( ID ) so I feel I was treated unfairly and want to know why both my checking account and savings account was closed and I never got my money savings account {$2600.00} and checking account {$840.00} and I will let social media know how I was not treated unfairly and to not trust bank of America because for me trusting bank of America my accounts was left at a negative overdraft balance and my funds was removed online and bank of America did not protected my accounts

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 2022-10-13
Company: Experian Information Solutions Inc.
State: TN
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:
I have noticed many incorrect and unauthorized items appeared in my 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 2021-10-01
Company: Receivables Performance Management, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Signed up with XXXX they looked on their map and said I would have service they sent sim cards for family of phones I inserted 1 sim card in my phone and had very limited service I called and canceled service they said it would be canceled I got a collection bill for {$260.00} dollars I called XXXX and they told me it was out of their hands the account was closed and they already sold the debt and I had to deal with the collection agency I should not have to pay for 15 mins of trying to get service on my phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: SYNCHRONY FINANCIAL
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am complaining about a fraud scheme that PayPal Credit has refused to deal with. A friend had his accounts hacked and the hacker represented himself to me as my friend and requested a PayPal friends and family payment for {$120.00}. I sent this money XX/XX/23 and hours later contacted my friend who told me his account was hacked, and to not send any money as this was a scam. PayPal sent me a confirmation of the payment to the scammer stating that the payment would be processed by XX/XX/23. I immediately notified PayPal of the fraud and requested the payment be stopped. It took hours to process this report, and finally, several days later, PayPal informed me that the case was closed and I had no recourse. There was no explanation of the disposition of the funds or what if anything was done to the hacker/scammer and his/her account. I requested that the case be re-opened as this was a fraud and until it was resolved I would not pay. They did not engage in any attempt to explain procedures and policies for a case like this and made it impossible to speak with a human. Until resolution, I revoked authorization for my bank to pay the charge and PayPal has now assessed a late fee and may have filed a credit agency report. PayPal is making money from credit fees in transactions that they are aware are fraudulent, with no accountability or attempt to protect customers.

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 monetary relief