BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX, I opened a new checking and a new savings account with Citi Bank under this offer code : XXXX Per the offer, Citi Bank was to credit my account with {$400.00} new account bonus once certain requirements ( listed below for reference ) were satisfied. Citi Bank was to credit my account between XX/XX/XXXX - XX/XX/XXXX. It is now XX/XX/XXXX and nothing is credited yet. 

I have contacted Citi Bank customer support numerous times via Chat and Phone. Each time I was told all the requirements have been met and the bonus will be credited soon. There is even an investigation request opened by Citi Bank agent for their back office to look into the issue. The reference number is XXXX XXXX XXXX. Created on XX/XX/XXXX, and I was told 5-7 business days for it to be processed. Nothing till this date. 

Offer detail : Start your Citibank relationship today with the Citibank Account Package and earn {$400.00}. 
Heres How It Works : Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXX - XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 
To waive the $ XXXX monthly service fee and {$2.00} Non-Citibank ATM fee, maintain a minimum combined average monthly balance of $ XXXX in eligible linked deposit, retirement and investment 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 monetary relief
Consumer complaint received 2020-10-28
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:
I CHECKED MY CREDIT REPORT AND TO MY SUPRISE I CAME ACROSS SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2019-02-20
Company: ERC
State: NC
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:
Hello I am filling another complain on this debt that already been close by another agency account number XXXX it was close by the CFPB on XXXX18 at the time the agency was XXXX XXXX XXXX. And as of XX/XX/XXXX it was reported on my credit again by another company by the name of. XXXX XXXX XXXX XXXX for the same amount which is {$2800.00} there Address is XXXX. XXXX XXXX XXXX, FL XXXX. Tel.XXXX and its also saying Bureau name is XXXX XXXX XXXX this is a new company from the first on that it was close under so I am asking again please to let them know its not me thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, chase closed both of my credit cards Freedom ( XXXX ) {$500.00} and my chase amazon ( XXXX ) {$7100.00} without any warning then I received a sudden email Saying that had too many inquiries. I have a good credit score,  and low debt ratio ... I have a long outstanding relationship with chase pay my bill on time and promptly. I tried my ultimate best to keep my usage under 30 percent and even pay my bill on time and even before it due date. EVEN with the health pandemic ( Coronavirus ) I kept up with my payment and keep my usage low. I just want to have chase to reinstated my account and want to have a long standing Forever relationship with them. I send numerous email to them with no avail .. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: LendingPoint Holdings LLC
State: GA
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 am a victim of identity theft and I have been disputing information without knowing my true rights as a consumer. Per the FTC as a victim of identity theft the furnisher must delete and I have supplied the letter Notice to Furnishers.

Per the Notice of Furnishers Information they must comply because of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX Sent Debt Validation letters to Phoenix Financial Services to Validate debt attached accounts on XXXX XXXX Induvial Action XXXX 1. Phoenix Financial Service did not comply 5 days after speaking to me. 
2. Phoenix Financial Service did not provide validation of the debts 3.Phoenix Financial Service did not cease in collecting debts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Financial Business and Consumer Solutions.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I received a written document from XX/XX/XXXX about a debt that, I do not owe and the letter falsely stated that the amount that, The amount that is owed to them is XXXX ( Dollars )., and that a company called XXXX, Is the original creditor. I have never heard of XXXX. This company is in violation of CFPB laws and should be reported to the Federal Trade Commission for failure to inform me on their document about my rights to dispute their false claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I was affected by XXXX. I contacted XXXX XXXX XXXX ( the servicer of my mortgage ), about the forbearance being offered. I was instructed that while I am on a forbearance my credit would not be affected in the negative. During my forbearance, the Principal of my loan has been reported to the credit bureaus as {$170000.00} XXXX. Im at the end of my forbearance, I contacted XXXX XXXX XXXX XXXX and are working with them on the back payments. XXXX XXXX XXXX XXXX  has extended the forbearance 2 months while working on a deference. I received a mortgage statement dated XX/XX/2020, the outstanding Principal is {$170000.00} XXXX, however on XX/XX/2020, XXXX XXXX reported to the credit bureaus the Principal as {$170000.00} XXXX. This has dropped my credit score, when contacting XXXX XXXX XXXXXXXX XXXX with the issues I was told this not reflected in their system and was questioned on IF this really happen. I am not sure if they are or have done anything to correct this problem.

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 2018-04-02
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were originally through XXXX XXXX XXXX ( XXXX ) which I believe to be a branch of XXXX XXXX XXXX. ( I got all my loans through XXXX XXXX. ) I have faithfully paid my student loans for the past ten years. I received information in XX/XX/XXXX saying that Navient would be buying my loans. I did not receive a reason. I did not receive anything that asked me if this was okay. I simply received a letter saying that Navient would be buying my student loans. I called XXXX  to find out what was going on only for them to tell me that they would still be servicing my loans and not to worry about it. On XX/XX/XXXX, Navient sent out a letter to me saying that they tried to mail me documents that were sent back to them. My address has been unchanged for five years. XXXX has had no trouble contacting me. Not only that but I then received a bill and a past due notice from Navient Dated for XXXX. I had already paid my XXXX bill which still has my loans on it. When reading the Navient bill, I discovered that Navient only purchased one of my loans, not all. Which was not stated in any correspondence from them. I called AES and they were very dismissive and arrogant. Upon calling Navient on XX/XX/XXXX, they informed me that I would no longer be paying XXXX for that loan, which I know is a lie. They demanded that I pay them. And said that they updated my address on XX/XX/XXXX of XXXX to my address. I have no idea what address they had. Clearly something shady is going on here. I am not going to pay Navient when I have already paid AES. I still do not understand why they would buy a loan I was paying on. I had not defaulted on it. This seems like a way for them to make up losses for court cases they have lost in the past. I am refusing to deal with Navient or give them my personal information because I was not involved in the process of them buying my good loan. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX I made {$76.00} purchase item using PayPal. Item was returned seller received the item on XX/XX/2020 and said that issue a refund to my PayPal account. I have not received the refund. I contacted PayPal provide all documents and dispute XX/XX/XXXX transaction. I have not received any updates from PayPal. I have contacted my credit card company that I use in XX/XX/XXXX PayPal transaction. On XX/XX/XXXX credit was issued on my PayPal account for {$76.00}. XX/XX/XXXX My credit card company issued permanent credit for XX/XX/XXXX PayPal transaction. Few days later I received letter that I won the case by default because PayPal did not provide case evidence on time. On XX/XX/XXXX PayPal applied - {$76.00} charge back to my PayPal account causing negative balance. I have received emails and treats that my account going to be lock if I don't cover negative balance. I was only allow to cover the balance using my checking account. I have payed to cover the negative balance to have no transaction interruption in account. I been contacting PayPal for last 5 months they saying that is not in there hands I have to contact my financial institution. PayPal illegally applied " charged back '' to my account for {$76.00} and will not give me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: Pioneer Capital Solutions Inc
State: GA
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:
PIONEER CAPITAL SOLU Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Filed a dispute with TransUnion in XX/XX/2017, it still shows " in progress ''. They have not communicated with me any information. the File identification number for the dispute is 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 2020-10-29
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$490.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 explanation
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-10-29
Company: EQUIFAX, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : CARNGTN MTG XX/XX/2018

Company response to consumer: Closed with explanation