BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: CITIBANK, N.A.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I made an international XXXX transfer from a non-sanctioned XXXX  bank to a XXXX bank. Amount XXXX USD ( XXXX USD after sender 's fee ), XXXX date XXXX. The recipient of the money was an American bank CITIBANK XXXX. ( XXXX ). The transfer was rejected by the XXXX bank ( CITIBANK XXXX ) on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond. 

I filed a complaint against Citibank and received an answer that they are unable to find my transfer. ( CITIBANK answer attached ) I find their answer unsatisfactory. 
1 ) They mixed up my name.

2 ) According to the attached letter from XXXX Bank, CITIBANK received the transfer and rejected it. This means that CITIBANK must have information about my transfer. 

I request that CITIBANK use the data from the attached documents, including the gpi track number and provide me with information about my transfer and also return my transfer.

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 2021-02-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo manipulated my fraud dispute. I had two issues. First, I had recurring payments of {$2.00} that I didn't see. I also had a large purchase which was unauthorized. I called Wells Fargo about the larger unauthorized fraudulent purchase when it had overdrawn my account by about {$200.00}. The representative didn't follow my instructions. She issued a claim for only the three instances of {$2.00}, and due to a loophole of 60-day window for fraud claims, she intentionally omitted the larger, and most recent fraud claim. This was considerably larger and not my purchase. Wells Fargo subsequently refused to refund this larger claim citing the ability to only process 3 unauthorized charges. They then never gave me the money back, expected me to come up with the funds, and since I don't have the money, my account was closed and sent to collections for a fraud purchase I never did.

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 2022-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: Arete Financial Group
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I wasn't sure on what to choose on the options given on the following questions. This is my problem. I have been paying a loan debt forgiveness company for almost a year. This company stated that if I paid the amount allotted for 10 years, my debt would be erased. It was a debt forgiveness program. I have had no problems with them until recently. I received an email on XXXX XXXX that my card was declined ( due to a new card, the did not have the new expiration date ) and I have tried to email them back, I've tried calling and I've left voicemails with no replies back. I recently logged on my account with them and it says that the FTC is filing a lawsuit against this company. I am unsure on what to do at this point with my account. I do not want my information in the wrong hands. This company has all my banking information and may social security number. I have been paying this company and the XXXX XXXX XXXX both XXXX dollars each month. I am unsure now if the Arete Financial Freedom Company was helping my loan status or not.

Company response to consumer: Untimely response
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One secured credit card advertised as guaranteed approval. Denied credit card. Process lead to a Hard inquiry which has affected my credit scores

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I purchased {$5000.00} worth of virtual currency from Coinbase. On XX/XX/XXXX that {$5000.00} was withdrawn from my checking account and sent to Coinbase. On XX/XX/XXXX I received an email that my order had been cancelled with no explanation as to why and that I would receive my funds back in my bank account within 3-4 business days. I immediately began a support case via email with Coinbase to clear up any confusion & rectify the mistake of the order cancellation. I received no personal email response so I began calling Coinbase to try to understand why the order was cancelled and when I could get either my currency or my USD back in my account. At the time of writing this it is XX/XX/XXXX and I have spent many weeks calling and many hours on hold with no resolve to my issue. I still have no money back in my checking account and I have no virtual currency either. My case is continually 'escalated to a specialist ' but no one can provide any answers in regards to when I will receive my funds back, what happened or why it is taking so long. At the time of writing I have logged 18 phone calls and 7 emails with no resolve since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CA
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 letter is a formal complaint against XXXX XXXX XXXX XXXX. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. This account is trying to collect a medical debt, which is also listed on my credit report in Experian and XXXX. I have requested several times for verification. This company will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements. Additionally, Experian and XXXX are violating sections XXXX & XXXX for willful noncompliance & negligence. This is already creating additional emotional & physical distress in me. I need this account blocked/removed from my credit file. The account is as follows XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$5000.00}

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 2020-01-02
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Hello good day I am a bluebird account holder I woke up this morning saw that I was not able to login into my account I got a email saying. As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

I need help I have funds in my account an I need to pay Bills an my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: EQUIFAX, 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:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TD BANK US HOLDING COMPANY
State: ME
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 contacted TD Bank credit card services to dispute a charge on my credit card on XX/XX/XXXX. I've had to file XXXX disputes for the same charge now because TD Bank keeps screwing it up and losing information and not taking correct notes. I've received yet another letter stating that the dispute will be closed unless they get information requested ( which they already have - I faxed it to them on XXXX, two days before they sent the request ). 
I tried to find out what is going on by calling them today and they're completely failing and refusing to resolve the issue and refusing to provide me with a contact person to get updates from. I asked for the name and employee number for the relevant employee ( customer service supervisor and claims investigator ) and they refuse to provide anything but first names. I also asked to speak to their supervisor/manager and they've refused to do that as well. They will not properly process this dispute I have filed twice, refuse to provide any information or accountability and I'm being charged {$3000.00} because of a very simple dispute that can not, apparently, get processed and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was able to log into my Citibank account # XXXX to check the balance. XX/XX/XXXX, I logged in to see if a deposit was made to my account and was unable to login. I gave the company a call and I was told that my account was blocked. The customer service rep was unable to give me an answer as to why my account was being blocked so I called back the next day which was Monday a business day XX/XX/XXXX. I was told by a company rep that my account was in the process of being closed without notice of any transactions being flagged or notification of any suspicious transactions on my account. 

I went to the XXXX XXXX branch on XX/XX/XXXX hoping to resolve the issue the banker was just as confused and gave customer service a call. The banker was told theres nothing he could do and I would have to wait for a letter to arrive in the mail. I received a letter in the mail on XX/XX/XXXX but the letter did not detail why my account was closed and why my money was being held. I returned to the XXXX XXXX branch. The branch manager tried to resolve the issue by asking customer service if he could return my money in the form of a check to me printed out at the bank that day, but was told not to by customer service. They told him I should wait for a second letter in the mail explaining why my account was closed it can take up to 90 days.

This account is primarily used for my tenants to send their rent money to might as well as Housing authority city of Los Angeles rent payments for a tenant. There are three transactions that are deposited into my account each month and the only outgoing transactions are to my mortgage at XXXX and to maintenance and utility bills. A total of XXXX transactions a month. 

Due to Citibank closing my account unknowingly I was unable to pay my mortgage with the money that was sent to me for that specific reason. 

It is unfair that my account was closed without knowledge, and with the bank holding my money without reason.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. Inquiry listed below. 


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 2023-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, XXXX  and Transunion ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
my information was sold and bought illegally because I was victim of the XXXX data breach I want these items Deleted from my credit report effective immediately I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing .Please help me delete these illegal accounts from my credit reports. 

US DEPT. OF EDUCATIONXXXX 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 2020-01-02
Company: Aldridge PIte Haan, LLP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint against - Aldridge Pite Haan representing XXXX XXXX XXXX * I received notification from XXXX XXXX, GA - on XX/XX/XXXX about a garnishment that was being enforced. 
*I was not familiar with the debt at the time so I responded to the letter XX/XX/XXXX *I received a follow up notice that indicated I had a court date in response to my letter for a court date of XX/XX/XXXX. 
*I attended the court date and was given a document from the judge of the original civil action document XX/XX/XXXX *This was indeed a debt I incurred during a low part of my past and indeed had a judgement for that I did not recall at the time. I have since found all the supporting documentation for this debt. It was indeed mine in which I was indeed responsible for. 
The first garnishment payment occured XX/XX/XXXX {$400.00} A total of 5 deduction in the amount of {$400.00} along with one additional {$250.00}. 65 were drafted starting XX/XX/XXXX and final draft XX/XX/XXXX. 

So this garnishment has been paid off as of XXXX XX/XX/XXXX. 

On XX/XX/XXXX a letter was drafted by Aldridge Pite Haan , LLP ( same that originated the requested garnishment ) stating they were representing XXXX XXXX and that my debt had been turned over to for collection. Indicated I have 30 days to respond etc. 
Providing an account # XXXX Charge of Balance {$2400.00} Amount off Debt {$760.00} APH file number XXXX Finally stating if I wish to discuss payment arrangement or resolution of the debt to call. XXXX. 

This letter was writtend 4 business days after final garnishment for the exact same debt the just collected final payment on through my garnishment. 

They are using legal letters and legal verbiage to scare someone into paying a debt that they full well know they just collect final payment on. 
The balance of the Civil suit from XX/XX/XXXX is in the amount of {$2400.00} The debt they are claiming is owed is also in the amount of {$2400.00} How many times do they do this to people that have no way of tracking down old documents old debt. How many times are they scaring people into paying debt they have already collected. 

This is wrong. 

They have recently caused much stress to me and my family and this 100 % is not ok that they are trying to fool me into believing I owe for a debt that I have already paid. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: GREAT LAKES
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am court appointed guardian for XXXX year old suffering from XXXX and in facility. Guardian appointed after Older Adult Protective Services determined her to be neglected and financially exploited by family members. In 2012 she co-signed for a federal PLUS load to benefit a great niece. We applied for XXXX XXXX XXXXXXXX XXXX XXXX of co-signer obligation. We have doctor certification that co signer is permanently XXXX and can not engage in gainful employment. We submitted Great Lakes Education s Loan Services ( Servicer ) account number XXXX and copies of correspondence from Servicer indicating borrower making payment schedule. Servicer provided us with copy of loan application but redacted social security and birth date info.We provided this application to XXXX. Original loan ID # XXXX. XXXX is refusing to grant discharge of co-signer obligation because family is uncooperative and we can not obtain dates of birth and social security numbers for borrower and student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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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