BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had problems with Citizens Bank before in XXXX due to erroneous fees. 
I decided to close my account in XXXX. I tried various times to close the account. But the bank does not stop payments, and twice I emptied my account, but an existing out-pay charged against the account. Since it was my fault, I paid the fees and asked again to close the account. 
I send a letter to customer service. No response. 
I sent secure emails in the Bank App. To my surprise, that email was DELETED. 
I went to the branch, and the manager told me that he could NOT close my account. Finally, after a very unpleasant exchange, the branch manager explained to me the best way was to keep {$250.00} in the account and verify the balances once in a while. He told me, in confidence, that the bank would not allow me to close the account without a lawsuit or intervention from the regulator. 

For four years, this strategy worked. Yesterday, the bank charged me {$10.00} Fee for DORMANT ACCOUNT SERVICES. NO notification of such a bizarre fee was done in writing or electronic way. 

The timing of the fee is also alarming, the Connecticut " Stay Safe, Stay Home '' Governor 's order issued in XXXX of XXXX is expiring. 

However, this is not my case. This action is malicious because it imposes a LACK of Activity fee for customers that could not get to the branch during a QUARANTINE. 

I try to call the customer service on XX/XX/XXXX, but after a 1-hour wait, I gave up. 
I sent a secure email through the bank email phone app, which said that they would respond in 2 days, but I have no faith. 

I removed the balance of my account, and I hope that this should be sufficient to close this account. 

However, I would like to receive my {$10.00} fee back via check on the mail. If there are costs to issue the check, Citizens can subtract such losses from the $ XXXX, up to {$10.00}. If to be a bit honest is too much, please keep the money. 

I also request that the Citizens Bank delete all my information, as allowed by law. Please remove my name from any marketing efforts. 

XXXX XXXX XXXX Find file attached with the email alert about the fee. NO notice or communication was provided before the fee was charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: EMPIRE MEDIATION SERVICES LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today I received a call about pending claim around XXXX. The name of the person is XXXX XXXX and he said he was a compliance office for XXXX XXXX. He reached out all of my family members and work which is unacceptable. I called back and spoke to XXXX XXXX and she said it was for payday loan I took from checkngo. I advised that i had no pending loans. XXXX said that if I called XXXX  XXXX XXXX  they  would show no loans but they have the matter in their hands and they were calling because they are going to serve me documentation for court. I think this inappropriate and need to put a stop to harassments for me and my family. The called from a local number but in the voicemail they left a XXXX phone number. Please put a stop to this. XXXX said the company name is Empire Mediation.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-04
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
XX/XX/2021 : According to Coinbase support, my Coinbase account was compromised via session cloning. The attacker was able to sell XXXX ATOMs for {$8000.00} USD ( not including fees ) and withdraw the money using their debit card. 

I have tried numerous times to get information and guidance regarding this issue, but I've only received the static IP address of the attacker. This information was given in late XXXX. Since then, Coinbase has been unwilling to assist me in any capacity regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX  to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX  for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONSIVE I AM VICTIM OF IDENTITY THEFT. THIS FRAUDULENT UN-IDENTITFIED ACCOUNT IS NOT MINE. MY IDENTITY WAS STOLEN. PLEASE REMOVE AND BLOCK THIS FRAUDULENT ACCOUNT THAT IS NOT MINE. 

BLOCK AND REMOVE THIS ACCOUNT WHICH IS FRAUD : FRAUDULENT ACCOUNT XXXX XXXX XXXX  Collection/ CHARGE-OFF ) ATTACHED IS MY ID, FTC REPORT, SOCIAL SECURITY CARD, UTILITY BILL

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 2022-02-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed this item as it is incorrect. The balances do not match. I contacted experian via phone and was told that I had to call the collection account to have my wrong information removed from my credit report. Even after providing proof from collections that the balance did not match and provide proof Im still with 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 2021-04-27
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was contracted to assist a XXXX company XXXX with their domestic clients past due accounts on XX/XX/21. My agreement was to collect these funds deposit into my business account SIRID at NFCU and that I was to deduct my commission or costs and forward the balance to XXXX. I received contacts from their clients and verified via XXXX. I receieved a check from XXXX XXXX of XXXX Wisconsin in the amount of $ XXXXas expected deposited into my business account personally with very clear instruction that I want to be notified when the funds have " CLEARED ''. The teller at the XXXX XXXX branch said that it would only take a day or two I said I am not in a rush. On XX/XX/21 NFCU posted this check as cleared in my account. I contacted NFCU via phone and was again confirmed that the check had cleared. I proceeded to NFCU in XXXX XXXX Ca to then complete the transaction by sending a wire in the amount of $ XXXX. Once again I asked if the check had cleared NFCU said yes- I sent the wire and on XX/XX/21 I went on line and my business account had been frozen the check was returned and I was obligated to pay the $ XXXX per NFCU the security department told me its my responsibility and would I like them to place a hold on the wire I said yes I asked why they never contacted me and that I was the one contacted them. On XX/XX/21 I called NFCU security and spoke XXXX after explaining this she also asked me if I wanted a hold on the wire -it took 5 business days for NFCU to implement actions to recover or stop the wire. At that point my accounts had been cleaned out at NFCU they took $ XXXX in my business and savings account and even took my social security payment. I spoke with 2 additional security people at NFCU and their response to their lack of notification and implementation was at best cavalier. I offered to go to mediation they refused I offered a settlement they refused. I have no money I am XXXX and just had XXXX XXXX operations in the last 6 weeks. NFCU told me that " cleared " is defined by them differently and that I was liable. They breached their fiduciary responsibility to me as well as business client. Conducted their own investigation of themself and they have self judged that they did nothing wrong. The covered up their misleading incorrect responses and rather than show the proper integrity they pass it on to me. I will be forced into bankruptcy at XXXX and my XXXX XXXX XXXX company XXXX will be destroyed. Help me please XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: PNC Bank N.A.
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: Information belongs to someone else

Complaint:
I would like to report inaccurate information that 3 auto loan banks are reporting to XXXX credit bureau. The do not belong to me. 

On XX/XX/XXXX, I called all three banks and they confirmed verbally that the loan on file does not match my name and social security number. None of the 3 banks are willing to provide me written confirmation that the loans are not associated with me and that they the will stop reporting to credit bureaus under my name and social security number. 

XXXX Texas XXXX XXXX XXXX ; account XXXX ; XXXX ; I spoke to XXXX XXXX XXXX 


PNC bank ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; XXXX XXXX XXXX in Texas ; account XXXX ; XXXX ; I spoke to XXXX XXXX ; I have credit freezes on my social security number with XXXX and XXXX credit bureaus because there was a personal information breech at my job in XXXX. I attempted to freeze my credit with XXXX credit bureau too but this option was not available on the XXXX website or by phone. 

Apparently a XXXX XXXX XXXX XXXX have the same date of birth as me and has opened 3 auto loans in Texas. All three of the banks that I called today, said that XXXX XXXX XXXX did not have a social security number listed or that it did not match mine. 

I am having difficulty getting a home mortgage loan because of this collective issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: Frost-Arnett Company
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was contacted by phone by the Frost Arnett company. They stated that I owed money in the amount of {$750.00} to XXXX XXXX XXXX in XXXX FL, for services rendered on XX/XX/XXXX. The woman speaking barely gave me any time to speak! It was difficult to just get a little information from her about this so called debt. She wanted me to send a check in the above amount to their company, so they could forward it. I refused, and hung up. I then called the physician group that rendered the service, after calling my insurance company. I found out that, not only did I not owe any money, but my doctor had been paid the allowed amount from XXXX, which is my insurance company. This payment was paid on XX/XX/XXXX!!!! 
I can only assume that having a bill collector contact me, will alter my credit score! This is very disturbing to me! 
I did call Frost Arnett, and informed them that I would be reporting their company for poor, or even illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: EQUIFAX, 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:
I have been disputing information on my credit file and noticed XXXX XXXX XXXX was reporting 2 old accounts. I asked for XXXX to send me payment history and all they did was send me a statement saying information was accurate. I didn't get any proof of payments or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CREDIT ACCEPTANCE CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX I attempted to pay the loan off which at the time balance was estimated around 13,000 this lender only accepts payments less than 1,500 at a time I made multiple payments to total XXXX to pay the loan off. They rejected all but 1 payment and returned them without any notification to myself and any valid reason. I under the assumption the loan was paid off called in XXXX to verify only to find out that it was not paid off. I then requested another payoff amount which XX/XX/XXXX I paid again. I called to verify the payments were applied this time and was advised that they now had to refund the extended warranty plan and that would take 2 weeks to be applied of which they would continue to apply daily interest affecting my total payoff. This company gives you a pay off amount valid for that day only when they don't even allow you to pay it off by continuing to apply interest until they get around to applying a rebate.

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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX  RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account : XXXX To Whom It May Concern, I am writing you to request your assistance for the deletion of this account are remove the late payments to paid on time from my Transunion & XXXX credit profiles. This account is reporting inaccurate information on my credit bureaus. I have called and sent letters as far back as XXXX XXXX, requesting the deletion are To date the inaccurate information no actions have been taken. I have attached all required supporting documents for your reference. I apprecigeate your assistance, and please feel free to contact me directly at XXXX if you need any additional information i have never received anything from XXXX XXXX  trying to resolve this issue... this reporting issue is cause me hardship

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 2020-06-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
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:
Someone used my identity to open up the following accounts, and I never had these accounts. Because of this, my XXXX XXXX XXXX and Chex Systems has a bad score for me. 

I never had : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXl 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 explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, 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:
I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
approached quicken loans - rocket mortgage about rates for a first time buyer loan with good credit. spent a lot of time getting preapproved. Got the house offer accepted and sent contract to mortgage company last week which they lost. Therefore appraisal has not yet even been ordered for a XX/XX/20 closing. Just got the estimate of fees and they are high and not what we talked about. Almost {$3000.00} in points that were never even mentioned. I feel like I was baited into getting far enough into the process I could not back out and that's exactly where I am. I'm going to lose the house if I back out now.

I was told the rate would be between 2.65 % and 2.9 %. Surprise, Surprise! It ended up at 2.99 %. I can get it lower by paying a bunch of points which was not discussed. My son with almost no credit and about 25 percent of my income just got a lower rate with no points from another lender. I feel certain ( as a XXXX  and as a consumer ) that this information was intentionally withheld to trap me into using their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently changed wireless carriers from XXXX to XXXX XXXX XXXX XXXX Of course, this was not without hiccups and challenges. While waiting for my final bill ( but not being behind on the XXXX  bill at all ), I received a collection notice from a company called Convergent. My account was not yet even 30 days from the final bill and I still have not received said bill. I had made at least one payment toward the bill directly to XXXX less than 5 days prior to receiving the notice from Convergent, and XXXX has verified that I my account has not been written off or put into collections. Despite this, I am fully aware that Convergent had to get my information from somewhere. With this reason, I would like to formally file complaints against both parties, XXXX and Convergent.

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 2021-01-23
Company: EQUIFAX, 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:
On XX/XX/2020 I sent all XXXX credit bureaus ( Equifax, XXXX, and XXXX ) removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX, Equifax, and XXXX XXXX agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with explanation