BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: BARCLAYS BANK DELAWARE
State: IA
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:
I WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX  AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX  STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!

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 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
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 2022-08-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington is currently my mortgage servicer and owns my loan. 
( Note : my husband died in XXXX, and his probate is currently active, the administrator failed to perform any duties assigned such as managing the estate and paying debts an i believe she is the cause of default. ) The admin. took possession and changed all locks etc. In XXXX. I paid till XXXX. 
The loan now is in default I submitted an application for a va loss mitigation to Carrington with a stay from forclosure until XXXX XXXX. During this mitigation carrington sent me letter stating the sold my loan to XXXX a sevicing comp. that provide legal services usually pertaing to Estates. Now, the admin is suing me for receivership and her probate attorney was just substistituted with a lawyer from XXXX!! I am in loss mitigation! How is this not FRAUD!! Please forward a copy to all other departments this complaint covers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a security freeze on my accounts, Experian, XXXX and XXXX. I am currently in the process of buying a house and needed to have the security freezes lifted so the bank can run my credit report. XXXX and XXXX have lifted the freeze, Experian will not. I have called several times with no luck. They keep telling me they are going to mail me my pin to do it on line but the pin never comes.

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 2021-04-20
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my savings account with Citi for a while now, but each time I message or call them, I get a representative that is unable to close the account for one reason or other.

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 2022-08-31
Company: EQUIFAX, INC.
State: FL
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 am a natural person, I am living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permissions to furnish these accounts. 


Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I live in California and opened a Truist acct online. Not only was I able to open it but I was able to fund the acct. Initially I was told an ATM card was ordered and that is how I would be withdrawing from the acct and depositing into it. So I waited ... and waited ... and waited. I called about 3 times to follow up on the ATM card that never came. Finally, I was told that the account was never opened because I live outside their footprint area so the ATM card was never ordered. When I asked for my money back I was told I had to go into a bank branch. The nearest bank branch is THREE STATES AWAY in TEXAS!!!! Going into a bank branch is NOT an option yet they will not close my account nor will they give me my money back. Since opening the account, Truist has been taking {$12.00} per month as a " maintenance '' fee. However, I am not clear why they are charging me {$12.00} per month on a closed account that was never opened. All I want is to close the account and to get my money back. ALL of it. It is only {$80.00} that I initially transferred in to fund the account so it isn't even a huge amount for a bank. For a single mom with XXXX kids who is currently unemployed, it is HUGE! And they are not offering any other solution other than for me to go into a bank branch in Texas to close the account. If they took my money via transfer, they should return it via transfer. There are a myriad of ways to send money yet they are unwilling to do anything.

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 2023-06-19
Company: Experian Information Solutions Inc.
State: OK
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:
Unauthorized access to a credit report wrong and unverified personal information

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 2017-08-24
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Bay Area Credit Service keeps calling my work looking for a XXXX XXXX XXXX. No one is here by that name, nor do we know of anyone by that name. They call and leave messages consistently, I have called them at their XXXX number, never get a person, but a message to leave a message. So I do. I give them my name, my phone number at the person they are looking for is not here. I have left this message for them 3 times in the last 2 weeks alone. 
I am extremely busy at work at to have to get my phone messages to find its just them leaving another message- it 's time consuming and at this point very irritating and I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: ZWICKER & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
zwicker and associates has been calling my employer leaving messages about me in voicemails. I have not received any collection letters from them. We are not allowed to receive personal phone calls here and they will not stop

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: GA
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Cfpb complaint was filed on XX/XX/2022 in reference to an adverse decision. 

The cfpb closed this complaint after FIFTH THIRD BANK responded with an correspondence dated for XX/XX/2022 that stated they are " conducting research ''. 

FIFTH THIRD BANK also forwarded a 2nd letter to my home address dated for the exact same date of XX/XX/2022 which disclosed the same correspondence that was submitted to the CFPB with the last paragraph worded completely different. 

The initial issue of the original complaint has not been addressed or solved. FIFTH THIRD BANK has submitted two totally different responses in regards to my original complaint. One response was submitted to the CFPB and another response was forwarded to my home address that states a different outcome of my original complaint. 

The original complaint has not been addressed and FIFTH THIRD BANK has created two response letters that disclose two different actions/outcomes. 

Please help resolve the initial issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Pro Com Services of Illinois, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My Health Care provider XXXX XXXX XXXX treated me on XX/XX/XXXX, included medical care and drugs total cost {$300.00}. My XXXX pays first, it paid {$120.00}. My XX/XX/XXXX ( XX/XX/XXXX ) pays second, it paid {$40.00} and XX/XX/XXXX Explanation of Benefits ( EOB ) showed me their payments to my Provider - XXXX XXXX XXXX - noting " You Owe the Provider {$0.00} ''. 

On or about XX/XX/XXXX by way of unsigned - Written Letter, XXXX XXXX XXXX XXXX IXX/XX/XXXX XXXX XXXX sent me a bill RE : Account NO : XXXX XXXX Clinic {$1700.00}. 

After examining this itemized statement regarding treatment on XX/XX/XXXX, comparing my XXXX Summary Notices and XX/XX/XXXX EOBs balances are $ XXXX as in this example. See all relative ATTACHMENTs to this complaint regarding XX/XX/XXXXservice. 

I can't not explain why my Provider tells collection agency I owe money in this XX/XX/XXXX example? Collection agency shows harmful/bad information on my credit report?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: Resurgent Capital Services L.P.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On yesterday, Saturday XXXX XXXX, 2015, I received in the mail a XXXX XXXX XXXX XXXX XXXX XXXX statement dated, XXXX XXXX, 2015 in the total amount of {$1200.00} ( Creditor LVNV Funding LLC ; Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I AM DISPUTING, this claim. On or about 7 or 8 year 's ago, I paid this account off ( after, it was charged off ). I am DISPUTING, the amount of the monies claimed by LVNV Funding. I have previously, DISPUTED THIS ACCOUNT ( S ) with XXXX, XXXX and XXXX. This account by LVNV is old and was charged off XXXX year 's ago. I will fax all supporting documentation to CFPB for the purpose of this filed complaint. LVNV Funding, is NOT authorized to use any of my personal or confidential information. According to Fair Credit Reporting Act, it is illegal to request more monies than what is owed. Again, I am timely DISPUTING, the XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
TD Banks also referred to as XXXX XXXX for XXXX XXXX  : 1. Called a year ago after getting late notice and late fee and were told our payment was late but no explanation as to how it was late as my wife pays the bill same amount same time always. They waive the late fee without explaining how it was late. 
2. Fast forward to now and we get a collections notice and 4 late fees that are payment is behind.

3. Call customer service who identifies that the payment has been going to the wrong address for some time, and they forward to the correct address, but still charge late fees.

4. We correct our bill pay address since we did n't know it changed, requested Customer Service or Collections to waive those 4 late charges ( {$39.00} Each ) as the payment was clearly always bill paid on time in the same amount and was in the hands of the company until they forwarded it again therefore making it late. 
5. Request was denied by both customer service and collections even after explaining situations, purchasing a new bed with the same account, and both requests were denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX ) account number XXXX, has violated my rights. 

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 customer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-06-08
Company: Harris & Harris, Ltd.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a debt with XXXX XXXX ( XXXX ) XXXX-XXXX in XXXX XXXX. {$1300.00}. I've been on a payment plan and have never been delinquent. My account was turned over to the collection agency Harris and Harris in XXXX IL. phone ( XXXX ) XXXX-XXXX  account reference number XXXX. 

I do not owe this collection company. They are demanding I pay both bills if the exact same amount. I'm caught between this health care company and this collection agency. I owe and am paying XXXX XXXX. I do NOT owe Harris and Harris. 

Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have violated my rights. 

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 an 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 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America was contacted in XX/XX/XXXX by me requesting closure of my account. At this time I discovered monthly maintenance fees had been applied to my account for several prior months. I requested a refund of these fees as they were unexpected and I no longer used the account. I was informed that I would need to leave the account open and also wait to receive a call back from a manager in order to contest the charges. I did not receive a return call, and by the time I recognized the error, 3 more maintenance fees had been applied. Bank of America representatives refuse to refund any more than 2 of the 10 maintenance fees assessed. 

I consider none of these fees to be valid. I consider the addition of fees after an account closure request to be unethical, failure to return contact as promised to be irresponsible, and the resultant costs to be entirely the fault of Bank of America 's errors and ethical failures.

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 2022-08-31
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: Public record information inaccurate

Complaint:
I have previously disputed Public Record/Bankruptcy / Reference # XXXX < with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

Experian has also responded ( on XX/XX/2022 ) with that theyve verified the public record with the data furnished but The XXXX XXXX US BANKRUPTCY Court doesnt furnish requests from the credit bureaus so whom is verifying the public record and with what documents are being used to verify.

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 2022-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XXXX wrong or you close this account discount was in good standing and it was funded by the capital of any machines located in the lobby of the offices downtown XXXX XXXX and also from our business checking and our personal checking account bill is always on time then there's a second account that I found out someone else opened under I think I have my name or the business name which is fraudulent and it has a unusual user name this card shut immediately after I made a payment and they've been very misleading about the circumstances about why they close the account I tried to mention the situation having having not been successful. My fianc and I are just looking to get the card back for our business and we're just hoping for consistency we're not looking for anything more than that

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: EQUIFAX, 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:
I have contacted Equifax by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Equifax to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.

Company response to consumer: Closed with non-monetary relief