BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In late XXXX of 2018 I saw an advertisement for opening a Citi Checking account. The terms were to open a CitiBank Account Package between XX/XX/2018-XX/XX/2018 and within 30 days deposit {$15000.00} into the checking or savings with a minimum of {$1500.00} in the checking and a minimum of {$100.00} in the savings. It also states I must maintain the {$15000.00} balance for 60 days. If I do those things then {$400.00} gets deposited into my account. I have attached a screenshot of the offer details. 

In early XXXX of 2018 the checking and savings accounts were funded. The checking was fully funded with {$15000.00} on XX/XX/2018 while the savings was fully funded on XX/XX/2018 with {$100.00}. 

Using XX/XX/2018 as the start date, 60 days from then is XX/XX/2018. 

On XX/XX/2018 I opened a chat session with a Citi representative about an update on the offer. They said I had to wait an additional 90 days after the initial 60 days which is XX/XX/2018 which I had surpassed. 

The Citi representative opened a case ( # XXXX ) on the same day to investigate. On XX/XX/2018 I chatted with another Citi representative to get an update and they said the case is still open. 

It is now XX/XX/2018 - nine full business days after the case was opened - and I have yet to hear anything back. I am getting the feeling I am not going to ever hear back from them. 

Thank you for your help in this matter.

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 2018-02-24
Company: Experian Information Solutions Inc.
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 have provided the following information to Experian, XXXX, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from Experian and XXXX. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my Experian and XXXX  credit reports to correct the information in my file. I have disputed this item with Experian and XXXX and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my Experian and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to Experian and XXXX. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 violation of the Fair Credit Reporting Act, XXXX continues to report inaccurate information about a consolidated federal student loan. The three credit bureaus have been notified via the dispute process multiple times ; yet, the reports continue to be inaccurate. 

Updated information regarding the dispute filed against XXXX was received from one of the three credit bureaus on XX/XX/2020. 

It contains wrong information still. What is XXXX consequence? What is the consequence for the three credit bureaus ( TransUnion, XXXX, and XXXX )? XXXX and the three credit bureaus have been notified multiple times of the errors, yet, they collectively continue to report inaccurate information. Who is more culpable for these errors? The three credit bureaus whose sole business is to report accurate information or XXXX, the business reporting the bogus information to the credit bureaus? 

Attached are screenshots from one of credit bureaus ( the other two are reporting similar information ) ; two screenshots from XX/XX/2020, one from XX/XX/2020, and one from XX/XX/2020. The errors are significant. The differences are evident. It should not be this difficult to get XXXX and the three credit bureaus to report accurate information ; it is the law.

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 2018-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a defaulted credit card obligation that I owed to Capital One Bank.  They filed suit against me in the Magistrate Court of XXXX County, Georgia.  A judgment was entered against me for $XXXX, on or about XX/XX/XXXX.  In XX/XX/XXXX, I began the process of re-financing my mortgage with a HARP loan.  I was told that I would have to satisfy the outstanding judgment lien to Capital One Bank before the re-financing could be completed.  I contacted the law firm representing Capital One Bank, XXXX XXXX XXXX, in early XX/XX/XXXX.  We reached a settlement amount of $XXXX to resolve the debt.  I spoke with attorney XXXX XXXX.  I mailed certified funds for $XXXX(cashiers check) to XXXX XXXX of XXXX XXXX XXXX  on XX/XX/XXXX.  They received the funds and they dismissed the lawsuit/judgment on XX/XX/XXXX.  They then filed a Satisfaction of Judgment in the Magistrate Court of XXXX County on XX/XX/XXXX.  Then, on XX/XX/XXXX, I received a copy of a garnishment action filed by XXXX XXXX XXXX, against me the exact same debt described above even though the debt had been paid in full and satisfied over a month earlier.  My employer had been served with the garnishment and withheld 25% of my pay plus fees.  A total of $XXXX was taken from my paycheck.OnXX/XX/XXXX, I immediately called XXXX XXXX XXXX  to see what was going on.  I left messages for both XXXX XXXX and his assistant, and never received a call-back.  On Monday, XX/XX/XXXX, I again left messages for XXXX  and never received a call-back.This debt-collection attorney firm resolved the debt I owed and received my funds, YET THEY CONTINUED TO PURSUE A GARNISHMENT ACTION AGAINST ME FOR THE VERY SAME DEBT CAUSING ME TO LOSE 25% OF MY CHECK.  AS A RESULT, I HAD THREE CHECKS RETURNED FOR INSUFFICIENT FUNDS AND WAS CHARGED FEES IN EXCESS OF $XXXX.  THE LAW FIRM REFUSES TO CALL BE BACK AND RESOLVE THE MESS THEY CAUSED.They have violated the FDCA by collecting on a debt they KNEW WAS SATISFIED.  THEY USED THE LEGAL PROCESS AGAINST ME FOR A DEBT THEY SATISFIED OVER 30-DAYS PRIOR.THE OFFENDING LAW FIRM/DEBT COLLECTOR IS:XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX(XXXX) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is not validated.   I have attached the summons as well as the collection letter from  XXXX  and  XXXX , a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: CITIBANK, N.A.
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:
Dear Sir/Madam i had contacted XXXX XXXX XXXX many times and they didn't care about consumer, i have a fraud on my credit and most inquiries has been removed already i had contacted many times XXXX XXXX XXXX XXXX to remove 2 unauthorized Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 by SEARS i had contacted SEAR Creditor how has Run my Credit with Unauthorized and i got t proof ( Two Letters ) from creditor to remove and SEARS already mentioned they sent two letter to XXXX to remove two month ago with no response till now i going now to attach proof has sent to them to XXXX to remove 2 hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 Note : what is the XXXX Problem if i has letter from who run my credit to remove Unauthorized Hard Inquiry So Please ask XXXX  Should care little more about consumer establish credit life in US and remove this two hard inquiry Sears/cbna XX/XX/2018 - Sears/cbna XX/XX/2018 XX/XX/2018

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 2020-07-03
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:
On XX/XX/XXXX I ordered multiple items from a store for the total amount of {$780.00}, I never received the product that I ordered, never signed for any product being delivered to me. 
I then contacted the store and they instructed me to file a police report and to send it to them for a full refund. I complied and did not hear from the store so I decided to file a dispute with CitiBank for the amount of {$780.00} for products not received. To my surprise the customer service agent put my dispute as an unauthorized charge which is false. I contacted CitiBank multiple times to let them know that the dispute was for products not received, but they completely ignored me and today I have been re billed for the whole {$780.00} for product that I do not own! their reason is that I authorized the charge, which of course I did but like I told them MANY times, the dispute if for products not received! I even sent them proof on XX/XX/XXXX of conversations and chat logs with the store.

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 2018-10-23
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Compass bank XXXX  XXXX XXXX, r h XXXX XXXX. employee XXXX assaulted me physically and mentally and said threatening things to me and invited me to step outside but locked the door and held the door locked while giving me the middle finger in front of him while making threatening gestures, this is very unprofessional, and criminal behavior and needs to be punished because of the way he did me! I am very angry that the compass bank would not be accountable and hold XXXX responsible for this criminal act, I will not be pushed aside and have to escalate this to issue again and request a penalty for the behavior of XXXX, I am also still seeking the interest that the Bank owes me due to XXXX XXXX error in not informing me of the interest change and causing me to lose my earned interest, she promised to let me know if the rate changed so I could make a adjustment in my account. She is responsible for this loss, and the compass Bank has to be accountable, sincerely, XXXX XXXX XXXX, Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My wife and I have consolidated loans on an Income Based Repayment plan. The amount due each month keeps changing. We usually pay online but last month Navient made changes to their website so that it will only accept amounts equal to, or greater than, the minimum amount due. The problem is that the minimum amount due is 84 % higher than the payment plan. 

We have made a couple of these almost double payments but will be unable to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
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: Old information reappears or never goes away

Complaint:
The first delinquency date for XXXX XXXX is reported as XX/XX/XXXX on my Transunion Credit Report. This account first became delinquent in XX/XX/XXXX and was transferred to collections in XX/XX/XXXX. This account is more than 7 years old and is not compliant with the 7 year statue of limitations for how long an account can report on credit per fair credit reporting act. This creditor has illegally extended the statue of limitations on the reporting of this account from the first delinquency date and this account should be deleted from my credit 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 explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions 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 appeared on my credit report but its not my account. This is an error. I have lived in my home for the last 3 years.

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 2018-10-23
Company: NCB Management Services Inc.
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Med-1 Solutions, LLC
State: IN
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:
XXXX XXXX - XX/XX/2018, {$400.00} PAID IN FULL, yet credit report shows " Account charged off {$400.00} written off ''. 

XXXX XXXX - XX/XX/2018, {$350.00} PAID IN FULL. Credit report shows " Account charged off, {$500.00} written off '', which is completely false! The account was paid and {$500.00} was not the balance and was NOT written off! 

XXXX/XXXX - XX/XX/2018, {$450.00} PAID IN FULL. Credit report shows " Paid, Closed, {$450.00} written off '' Med-1 Solutions - XX/XX/2018, {$160.00} PAID IN FULL. Credit report shows " Collection account. {$160.00} past due ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had an outstanding loan of around {$17000.00} from discover at 9.25 % interest rate. To reduce the rate I decided to go to XXXX who offered me an interest rate of 4.9 %. From XXXX, I requested for a greater amount than required because I was assured that the extra amount would be reimbursed directly by discover to XXXX and the interest adjusted accordingly. So XXXX  disbursed my loan ( around {$19000.00} ). My balance amount in discover was then - {$2200.00} ( Minus XXXX  USD ). 

At this point discover was supposed to mail XXXX a check of {$2200.00} so that the amount would be adjusted in my loan amount. However discover has never mailed this check to XX/XX/XXXX! They showed an updated balance of {$0.00} on XX/XX/2019. Neither I nor XXXX has received this check. I called them and they insisted they had mailed a check. But could not produce any proof. They claim the process to check for any error takes 7-10 days. They have not since gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 partial dispute of {$160.00} overcharge of NC state tax by XXXX  on XX/XX/XXXX for a vacation purchase made on XX/XX/XXXX for {$2200.00}. It was found in my favor on XX/XX/XXXX and closed by Capital One visa. XXXX cancelled the entire reservation on XX/XX/XXXX and promised a refund in 5 days. No refund in 2 months from XXXX. I called Capital One visa and tried to dispute the {$2200.00} the owed me and XXXX did not provide. Cap 1 told me I could not change the amount or refile a dispute on the same transaction. I am still looking for my refund from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 have provided the following information to XXXX, TransUnion, and XXXX XXXX XXXX XXXX : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copies of the reports I received from XXXX and TransUnion. 
This item, XXXX XXXX XXXX XXXX, Home Equity Line of Credit is inaccurate because the date of first delinquency ( DOFD ) is either missing or inaccurate. As a result, the negative information associated with this specific tradeline is listed in my consumer file longer than legally permissible. 
The Experian report does not specify a DOFD. The TransUnion report indicates a Last Payment Made of XX/XX/XXXX. More than ten years ago. In addition, the property securing the Home Equity Loan was foreclosed on in XXXX. I have enclosed a copy of the Foreclosure Deed as additional proof. The Foreclosure Deed was recorded in New Jersey with the XXXX County Clerk on XX/XX/XXXX. 

I am requesting that the information in your records be corrected and that the item be removed from my XXXX and TransUnion credit reports to correct the information in my file. I have disputed this item with XXXX and TransUnion and have not been given an explanation as to why the file has not been corrected. 

Enclosed are copies of the Foreclosure Deed and the relevant portions of my XXXX and TransUnion credit reports along with the disputes which support my position. Please reinvestigate this matter and delete the disputed item as soon as possible. 

XXXX is providing incorrect information to XXXX and TransUnion. There were no payments made in XXXX. The last payment date shown by TransUnion is XX/XX/XXXX. The date of first delinquency is over ten years ago. In fact the property securing the loan was foreclosed on and the foreclosure deed recorded on XX/XX/XXXX. Nearly nine years ago.

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 2020-11-14
Company: Experian Information Solutions Inc.
State: TX
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 filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " .. promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you very much!

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