BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Back in XXXX, I opened my CITIBANK , N.A . checking account at CITIBANK , N.A . at CITIBANK XXXX. XXXX # XXXX in XXXX XXXX, NY. 

About less than a year ago ( XXXX, XXXX ), I was charged an overdraft protection fee. They waived that fee for me and then after that I asked them to opt out of the overdraft protection ( I have never opted in and I opened my bank account after XXXX ). 

Today, I got an email from CITIBANK , N.A . that they charged {$34.00} as an overdraft fee, so I called the customer support right away to get the fee waived as I already opted out of the protection and but they denied my claim. 
A supervisor named XXXX told me that it is not possible to opt out of the overdraft protection, which is clearly against the overdraft regulation that was imposed after XXXX. 
The only customer support channel they seem to have is an outsourced customer support and the supervisor told me that they can't do anything to escalate the case. 

I need CFPB to help me get this case through with CITIBANK , N.A . 

Sincerely, 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 monetary relief
Consumer complaint received 2020-12-03
Company: Experian Information Solutions 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:
THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of 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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX submitting this CFPB complaint to request to the Credit Bureaus to properly invetigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

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 non-monetary relief
Consumer complaint received 2022-09-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. BK OF AMER XXXX XXXX XXXX XXXX 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 2022-09-02
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good Day, I opened an auto loan with XXXX XXXX XXXX XXXX. The loan began on XXXX XX/XX/XXXX and was for XXXX term. Earlier this year, XXXX XXXX merged with Pentagon Federal ( PenFed ) Credit Union, and my loan was transferred to PenFed. 

We have been making our payments on time, and above the minimum monthly payment, and we received a letter in the mail on XXXX XX/XX/XXXX stating that our loan was in deferment and there was intent to repossess the vehicle. 

I reached out to PenFed and it was determined that while the loan was being transferred to PenFed, somebody entered an incorrect maturity date for the loan. The maturity date was entered for XXXX, XXXX. A XXXX term beginning in XXXX of XXXX should take the maturity date to XXXX, XXXX. 

I was assured it would be handled, but after a week of following up I have been informed by PenFed that they are unable to correct the issue on their end because " the gap between the current maturity date and the actual maturity date is too large '' and their system will not allow them to change it. I was then informed that they have a special representative working on the issue, but it could take some time to complete. 

I have a XXXX  XXXX that is currently in renewal and awaiting final adjudication. Having this on my record puts me at risk of losing my XXXX  XXXX and then my job. PenFed has admitted fault, I have a letter stating such. I need this cleared immediately so that I do not lose my security clearance, and so that my credit reputation is not damaged further. 

Very Respectfully, 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 monetary relief
Consumer complaint received 2021-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been told numerous times that XXXX XXXX  is the owner not just the trustee on my mortgage, but I have a question, why did they not file with the county clerk until 2 years after the date of the assignment was signed? And now SPS is foreclosing on my home even after I made payments all of 2020 during a pandemic. With my mother XXXX from XXXX. I was the only designated contact and the only person who could see her in the hospital. And after 2 months of fighting, she lost her XXXX. I became a XXXX  mom, XXXX mom, and XXXX  for my father who also XXXX  XXXX. And the designated person for my mother 's care. But I never missed a payment even during a forbearance payment. My hours at work were cut as well. But now I have one week to attempt to find a home for myself and my XXXX children as a XXXX mother. My credit has taken a hit due to SPS reporting late payments over and over. So no one will rent to me. We will be homeless after 15 years. I have asked for a modification so that XXXX loans can refinance. But of course, it won't be in time. I am afraid my children will be home alone when the sheriff will kick us out and we will have nowhere to go. I have asked what the underwriting guidelines were. I have paid my mortgage and now I'm told I must pay $ XXXX to avoid losing a roof over my head. My intent is to keep the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-02
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: DISCOVER BANK
State: PA
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 received an e-mail ( attached XXXX from XXXX XXXX indicating that I had placed an order for {$2500.00} for a camera to be shipped to XXXX XXXX in XXXX. I placed no such order and do n't know who XXXX XXXX is. There was no account number on either the e-mail or the receipt, just that it was paid by a credit/debit card. I contacted XXXX and received a response XXXX attached ). Apparently an account was opened with Discover that I know nothing about. A few days later I received a check for {$1.00} from Discover ( with no account number or other identifying information ). I shredded the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase freedom advertises that all prescription drugs get 3 % cash back. I noticed on my bill that they only have given me 1.5 % cash back on these purchases. When I brought this to their attention, they stated that the prescription drugs were bought at a grocery store, therefore they are not giving me my 3 % cash back on my prescription purchases. This is false advertisement since my receipts says jewel osco drug and should be categorized as a drug store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently disputed the accuracy of the information contained in my credit report regarding the accounts below, and to inform you that you are in violation of my rights under 15 U.S. Code 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies. your agency has failed to provide me with the required notice of the results of any investigation that may have been conducted, as well as any corrections made to my credit report as a result of the investigation. This lack of communication from your agency has made it impossible for me to fully understand the accuracy of my credit report and has caused me significant frustration and financial harm. Under 15 U.S. Code 1681s 2, credit reporting agencies are required to follow certain procedures when reporting information about consumers. The following accounts in this dispute letter attached to this complaint must be deleted.

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 2023-08-07
Company: Phillips & Cohen Associates, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a notice in and around the second week of XXXX of 2023 from Phillips & Cohen Associates , Ltd . Claiming that I owe an alleged debt to PCA Acquistions V LLC. 
I have never done business with them at all. I have a dispute letter that I will send to them via mail. I have questions for them regarding the alleged debt and question its validity, I need proof of their claims. 
The alleged debt amount is : {$5600.00} I will attach what they sent to me in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have reason to believe and do so believe the statement received on XX/XX/XXXX ( and all statements prior ) have been interest dividends or credit issued to me in the form of coupons or bonds. The evidence of this belief is due to my statements Ive received reflects as a positive balance on the account in reference to the full balance of {$6700.00}. If this was a debt owed this would be in a negative balance or this is a computational error. 
I have reason to believe and do so believe there has been a failure or mismanagement to properly apply credit issued to me in the form of coupons due to the misrepresentation of this account. I have been made aware of what an instrument is and at the date of this accounts conception I have issued instrument ( s ) which should have paid and tendered payment for services rendered from this account. 
The evidence of the credit being issued to me is my monthly statement which comes to me in a positive balance as an investor who funded this account with the securities and instruments given from the date of consummation. If I were to have owed a debt, this statement should be in a negative balance. I believe this is credit being issued to me and my endorsement has been needed in order to authorize how the credit should be applied to my account. 
In order to clarify that such credits on the account have not been misapplied, or any false claims of securities causing a tax liability has occurred due to this error, illegal securitizations, trades, hypothecations, interest, and proceeds fraudulently misapplied in my name, as beneficiary of the account, I require the documentary evidence which includes tax records, recordkeeping of both the journal and ledger entries in accordance with IRS publication 583 and other supporting financial records. 

My billing error notice has been mailed to your registered agent and the address found on my statement via certified on XX/XX/XXXX. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in 2022 and they are still being investigated then I'm pretty sure that put 's them in serious violation.

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 2022-01-11
Company: Flagstar Bank, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An error was made in the escrow analysis by Flagstar Bank that has resulted in Flagstar Bank charging me nearly {$2000.00} extra per month, unnecessarily. I have provided documentation from my town 's tax collector confirming the correct tax liability for the escrow analysis, and Flagstar Bank has ignored me. They have not responded to my request for a new escrow analysis and persist, now for the 5th month straight, in over- billing me by nearly {$2000.00} a month. I have sent numerous emails and made several futile phone calls, suffering through their phone system like a rat in a lab experiment. Please 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 explanation
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief