BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a {$3000.00} check deposit using my mobile app. At 1st it was indicated that the funds would be available for payments next business day then cash withdrawal 2nd business day. Then I  notification that hold had been placed on the deposit until XX/XX/XXXX which is a 10 day hold. I made the deposit Saturday XX/XX/XXXX. The funds were withdrawn from the account I wrote the check from on XX/XX/XXXX. 

Bank of America is the institution that placed the hold. The funds came from my XXXX XXXX money market account.

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 2018-08-14
Company: CITIBANK, N.A.
State: LA
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2018. {$3000.00} charge to XXXX gift cards XX/XX/2018. {$36.00} charge to foreign purchase transaction fee XX/XX/2018. {$1200.00} charge to XXXX XXXX XXXX XX/XX/2018. {$4.00}. Charge to XXXX XXXX XXXXXX/XX/2018 {$4.00}. Charge to XXXX XXXX XXXX I spoke to the issuer of this card today, XX/XX/XXXX and they will start a fraud case. These amounts will be on my statement until this has been resolved, which could take 60 days. These are not my charges and Im ready to close this account. This credit card never leaves my house.

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 2018-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Inquiries come from companies that I didnt apply for and its hurting my credit and Im in the process of repairing my credit every time it goes up a inquiry comes 1 2 3 4 comes on my credit report tired of calling companies to send me proof that I gave them permission to put hard inquiries on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
Company: CITIBANK, N.A.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed for three loans for my niece While she attended XXXX college and XXXX college. At the time of co-signing all loans was told release as soon as she has job. I was lied to in person at XXXX college and prior to our house being destroyed I had documentation of Citibank document from XXXX College. About two year co-signer release. I sent this to ceo at Citibank and executive office still denied release on XXXX and XXXX XXXX. I also sent complaint to him about misapplied payments or not applied and sent proof and it took years to fix my credit report. Only blemish was from Citibank!!! Loans taken out XXXX. We have had consistent problems with payments not being properly applied and took many letters to get my and her credit report corrected. However prior to without my knowledge they allowed her to change payments on loans and she was told it would not affect loan total or interest. They just could reduce payments. It did. I called. No one cared. She also tried to get me released from loan. We Followed Citibank process and Citibank continued to deny after repaying loans for at least six years and she had great job. XXXX and Now today Citibank split up servicing of 3 loans XXXX XXXX has one loan go on site and only will give three statements and discover has two. XXXX loan started XXXX. Now 3,500 ish. XXXX taken same time started XXXX. Today Balance after over a hundred payments and I know for years the amount was at least {$170.00} equaling payments {$15000.00} on their systems. And No late payments and some extra payments. But I cant verify this because audit trails not on site. I have asked for audit trail of 112 payments applied. If I pay based on XXXX terms for total of 240 payments it will be {$45000.00}. Not the note I agreed too. How is it feasible both loans taken for ten years from Citibank. XXXX now changed to 20 I signed promissory note with Citibank and Citi bank altered. However Citibank allowed borrower to change terms without co-signer knowledge and they called her to offer this great deal. and she agreed based on incorrect information. To date I have not been contacted by Citibank about co-signer release denial s and ruling XXXX or anything else. Student loan low interest is not so low. And this needs to be looked into Citibank even has XXXX charging over a 100.00 every month for interest absolutely crazy

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 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I currently paid XXXX XXXX to help remove negative items off my report I received emails that these items were challenged on these dates XXXX XXXX XXXX Transunion on XX/XX/2018 XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 XXXX XXXX XXXX XXXX on XX/XX/2018 I called all three Credit bureaus to make sure these items were being disputed by XXXX XXXX all three credit bureaus told me that none of these items were being disputed by XXXX XXXX  and that have not received anything from XXXX XXXX. XXXX XXXX has a good relationship with all the credit bureaus to where when they dispute negative items it goes directly electronically to the Credit Bureaus. 
Below I have attached emails from XXXX XXXX that these items were challenged and a screenshot of my account showing negative items that has been intervene ( challenged ) with the credit bureaus by XXXX XXXX. Its underlined in yellow.

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 2022-10-05
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I need help with this student loan MOHELA ACCOUNT The MOHELA/DOFED student loan account XXXX is the same as XXXX XXXX. That XXXX account is already paid for in full. 

This is the same student loan that I have had with XXXX before. 
I NEED Mohela to remove that account because I do not owe anything to them Mohela needs to report to the credit bureaus that the account is close paid in full. 


MY EMAIL ADREES IS XXXX Let me know your answer via email. 
Thanks XX/XX/2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently received a copy of my credit report and In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-06-24
Company: TRANSWORLD SYSTEMS INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received notice from my credit monitoring service that this company negatively impacted my credit with a debt Im not liable for from an institution I have not had a relationship with in over a decade. Im XXXX and receive SSD as my only source income. Nevertheless the debt is not mine and Im not liable for this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " YOUR EMAIL HERE ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account does not belong to me. I would like for it to be removed in a timely manner.

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 2021-09-20
Company: EQUIFAX, 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 was checking my credit report and i saw account which i never applied, i had my wallet stolen, so i guess someone used my personal information. I am disputing this debt because I do not owe it. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ).

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Good morning : My husband is a XXXX veteran and is XXXX XXXX. I am his XXXX.  I found that USAA bill pay is taking funds out of our account at different times without authorization from my husband. 
Please investigate. I will provide more information if needed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Mr. Cooper Group Inc.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage is claiming that they never received my payments for XXXX, XXXX, XXXX and XXXX of XX/XX/XXXX, I made the payments through online bill pay with XXXX  XXXX XXXX, both XXXX XXXX XXXX an I have provided proof that the payments in question, were sent electronically and the funds were received by Mr. Cooper, however they continue to claim that they can not find said payments. 

It appears that since XX/XX/XXXX, when Mr. Cooper took over my Mortgage I've been using the wrong loan number, however until XXXX there was no issue the payments were being applied to my loan without a problem. 

also my credit rating of XXXX has now dropped to XXXX I have contacted them on numerous occasions, I've had two conference calls with XX/XX/XXXXXXXX XXXX and Mr. Cooper, provided bank statements and other documents proving that payments were sent & received, yet they still claim that they can't find the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Experian Information Solutions 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:
+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Date XXXX/XXXX/XXXX TRANSUNION In response to Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS 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 2017-11-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, Experian & XXXX  to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks

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 2017-11-17
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:
In response to : CFPB- XXXX EXPERIAN To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX  has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2021-09-20
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX of this year I had two collections items added to my credit report. These items were reported to me on a Sunday. ( old hospital bills ) The following Monday these bills were paid in full. Needless to say these items hurt my credit score tremendously. this was very painful and embarrassing to say the least because I was in the process of buying my first home with my wife. I worked very hard to get my credit to where it needed to be costing me thousands of dollars. Only to have 50+ plus taken away from me overnight. This was all totally my fault and I accepted that. All that I could do was pay the account off and hope that the credit bureaus would restore my points immediately. XXXX did just that! They gave me all of my points back as soon as my accounts were reported to them as paid in full. Experian did acknowledge that the accounts were paid but did not and have not restored my points to this day. I have disputed this with them on more than one occasion yet they refuse to give me my 50+ points back. Needless to say that this affected my ability to qualify for my home. The mortgage lender told me that it was best that I be left off of the loan until I had this fixed. My wife demanded that I be put on the loan so therefore I was, but it hurt our rate and made our monthly payment go up roughly {$400.00} a month. Experian has basically told me to XXXX it up and that my score will go back up over time. I can not get an acceptable response from experian or anyone else for that matter as to why they will not restore my points. I want an explanation as to why and also want to know what can I do moving forward to get some type of closure because i do not intend to let this just be swept under the rug. If the debt was paid in full and XXXX restored my points immediately then why does experian not have to be do the same thing? I want to know who Experian has to answer to because its obviously not me.

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 2019-05-21
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I was victim of deceptive phone scam and gave away {$10000.00} dollar worth of gift cards to the scammers. Credit card company said they cant do anything for me because I was the one to make those transactions. Could anybody help me get my money back? Or at least part of it? I would appreciate any advice or help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: CITIBANK, N.A.
State: PR
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:
Hard inquiry from ( Citibank Na best b XXXX XXXX XXXX ) today XX/XX/2019 Hard inquiry from sears/cbna complete department stores today XX/XX/2019. 

Both inquiry wasnt made from me, I was advised by 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