BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I've been trying to close my account with Capital One since the middle of XX/XX/2018. The main reason for closing my account is they have closed down all branches and ATM 's within a 30 mile radius of my home/work. There is ONE ATM located approximately 45 minutes away. I have been unable to download the app to my phone, so I have been unable to make any deposits. Therefore deciding to close my account. Cap One refuses to reject transactions from hitting my acct resulting in charging me overdraft fees. XXXX was the only company still able to somehow send charges through to my Cap One account, even though I updated XXXX with my new ( XXXX XXXX ) account and made that account my default/preferred account. I have verified with XXXX  today and the Cap One account has been permanently removed so no more charges will appear. I have called Cap One 4 times since mid XXXX trying to close this account. They said EVEN though I was signed up for overdraft protection ( where they would reject any charges coming into the account when there was a XXXX balance to keep me from having fees ), they couldn't reject these charges because they were ACH, not actual transactions made to the account? I have been on the phone this morning for over 120 mins on HOLD, transferred to THREE different departments JUST trying to make a deposit to my acct over the phone ( The acct that is SUPPOSED to be closed! ) I've had this acct for over 20 years, and they explained that they will not close the account unless I call back within 4 days and the account MUST show a XXXX balance for all 4 days before they will close the account. They have removed 3 overdraft fees for the account since I've been trying to close it, and I was able to make a deposit by phone using my current debit card, but I was rudely reminded that if any more fees hit the account they will be unable to remove them. Today I was on the phone for OVER 2 hours to try to make a deposit by phone so that I wouldn't be charged another OD fee. Their customer service is horrible, almost everyone I spoke to complained that the office was super short staffed and they apologized for the long hold periods. But, anytime in the passed 3 years I've had to call customer service for anything, I've never had a hold time for under an hour. They need to work on their account closing procedures to better protect and handle their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There have been several payments that were to be paid that Citibank decided to reject without my approval which then goes into the negative after the refund the money and charging me non sufficient funds fees. For example there were several payments made to short term loan organizations for amounts between XXXX and XXXX that were automatically returned and then charged a XXXX NSF fee. By the time Citibank decided to reject the payment the account balance always ends up in a negative status. It not because I do not have enough money. The account would not allow for such transaction because I do not have overdraw protection. I feel my finds are being played with for some unknown reason. There was an incident that occur not too long ago where I was to have XXXX transferred over from Citibank to XXXX XXXX XXXX XXXX. The transaction was initiated and the funds were sent but then a few days later when I checked to see if the funds were at XXXX they told me that Citibank said that the customer cancelled the transaction yet the XXXX never made it back to my Citibank checking account. Like I said the has been an ongoing problem. Also, it takes a long time for them to bring my account balance up to date online. My account balance balance will read a specific amount for days on end and not be updated for sometimes up to a week and a half later. Many problem and many issues I am being held responsible for yet I am not the party making the mistakes. 
Best, 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 2022-08-06
Company: ALLY FINANCIAL INC.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2022 I was denied credit trying to lease a car and I was eve told I needed a co-signer for a car at a XXXX dealership with a discount code and everything! 
I was highly upset and discouraged. 
my credit was ran twice while I'm going through credit repair and its just all bad!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NC
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
As stated in a previous complaint against BAM Trading services, XXXX XXXX  XXXX. My account was locked on what has been confirmed by my bank as not an action that they had initiated. Moving forward my account was locked without reasoning. at the time of this lock I had {$950.00} in USD and a little under {$12000.00} in cryptocurrency that would fluctuate between $ XXXX depending on the trend. I tried for about 60 days to get unlocked sending 2 videos as per the request of Binance.US and sent my bank statement twice. That was my first visit to the XXXX website where I launched my first complaint. They answered rather quickly and made it seem like they would actually take some action. They finally responded to a message. Then right when the wait period before the complaint was closed had expired, they stopped answering. again. So about a week later I read online that I should try to SELL my assets instead of trade them. This worked. OF course this cost me about {$50.00} and I sold it at a low of {$10000.00}. I was okay with it because I would rather be in USD than a volatile coin. This is when the unthinkable happens and my {$950.00} that was in USD previous to my selling the coins I had was deleted from my account and all that remained was the {$10000.00}. Still no contact, still cant withdraw, still filling out complaints that seem to go nowhere. Binance will acknowledge in public eye, but then continue the suspect/criminal activity as soon as they get the opportunity. Since then I have written the CEO 's and other C-Level employees and continue to get ignored. False promises by them and XXXX. These companies are criminal organizations and need to be fined and sanctioned. They are ruining peoples lives and thumbing there nose at the customers that lined the pockets of their CEOs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
State: MO
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 following accounts has been reporting on my credit report but either company nor the 3 major credit bureaus has ever produced any physical documentation of Verification of these accounts inwhich I have disputed as fraud due to the fact that are not mines, and as a consumer I am protected by the FTC and the FCRA laws and if you choose to be sued rather than send physical documentation or remove these accounts then that's another issue. I'm demanding the removal of these accounts. 

XXXX ) XXXX XXXX {$350.00} 2 ) XXXX XXXX {$680.00} XXXX ) XXXX XXXX {$140.00} 4 ) XXXX XXXX XXXX {$30.00} XXXX ) XXXX {$71.00} 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: NJ
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 You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred.

Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate.

As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reasons and will not help me with getting it back up and going i am not sure if this is some mistakes as i assumed it has to be. I have not been able to get help from them for months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is affecting me a great deal as i used PayPal quite frequently. My email Linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: EQUIFAX, INC.
State: TN
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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account numbers ****XXXX. ( Please see pages 14 and 15 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2017-11-29
Company: Navient Solutions, LLC.
State: OH
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 sent letters to Navient-Department of Education Student Loans on XX/XX/XXXX, XX/XX/XXXX, and X/XX/2017. Asking for verification of the original instrument of indebtedness in its original form. In response Navient sent letters dated XX/XX/XXXX, XX/XX/XXXX, a copy of the promissory note. According to 18 U.S. Code subsection 474, Whoever with intent to defraud, makes, scans, captures records with intent to be used in forging or counterfeiting any such obligation or other security except by direction of some proper officer of the United States Is guilty of a class B felony. Navient have the digital, scanned, reproduced prommissory note in its possession. Unless such use was authorized by the Secretary of the Treasury. I feel as a consumer my rights have been violated. My wish is for the Consumer Financial Protection Bureau to demand on my behalf that Navient produce the original instrument of indebtedness in its original form like I asked before or remove all of this consumers financial accounts with Navient from all 3 credit bureaus ' including a XXXX balance for their treasonous deeds and all will be forgiven. All relations with Navient are now in question for passing fraudulent and misleading information to disgrace this Consumer. Consumer would also like to thank CFPB for protecting his Personal, Family, and Household.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX is trying to report a collection on my XXXX and XXXX Credit Report for a XXXX XXXX 's credit card that fell off my report a few years ago when it was well over 7 years old. Due to my FCRA rights reporting this debt again as a collection when it is past the amount of years it is allowed to be on my report violated my FCRA right directly. This debt is past the statute of limitations and I am tired of being harrassed illegally about it including the debt collector contacting third parties and discussing private details with the over a debt that is literally 11 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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 realized that the Sears home warranty service was a scam, and not worth the {$41.00} a month I had paid for years. As everytime I had a service call 'nothing was covered '. I cancelled the service in XX/XX/XXXX. I was billed for XXXX, XXXX, when I cancelled again. I was billed in XX/XX/XXXX - and I again called to cancel. I asked for written verification in email or reg mail and was told not possible So in an effort to stop this fraudulent billing in XXXX I cancelled card ( Sears Mastercard ) as well as home warranty service. I was given cancellation number # XXXX. They have continued to bill me {$41.00} a month and I finally stopped paying in XX/XX/XXXX. I am now worried about them ruining my hard won excellent credit. 
Please help Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA 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 2020-12-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Out of the blue my 9 : year mortgage payment with Wells Fargo went from XXXX, to XXXX. In XXXX. There was no notice or update sent. Wells Fargo have given 3 different explanations, escrow. All of a sudden it just was taken from my account. One person said there was XXXX to bring it up to date and another said XXXX. Well that doesnt equal the XXXXx12 which is $ XXXX per year. What is going on? How do they just take money without informing us of the difference.

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 2021-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Could someone at CFPB please address this and respond back to me. I have tried obtaining an answer with TransUnion. I received my updated TransUnion Credit Report. My TransUnion Credit Report indicates that this one XXXX XXXXXXXX XXXX account ( Account Number XXXX .... ) has been charged-off thirty-six times. 

Is that right? Does CFPB know if an account can be charge-off more than once? 

Please contact me at ( XXXX ) XXXX, if further information is needed. Thank you. Sincerely, XXXX XXXX XXXX SS # 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 2020-07-26
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone else have my identity stole. That persona have my social security number and driver lincense number and my Home Andress as me! I never get those service this medical data system want me to pay to XXXX medical center Im provide the enough prove to confirm I wasnt me the person .. Im asking to make a fair decisions and stop report it to my credit and stop sending bill I dont own is very hard for then to be believe wasnt me but the sending me inaccurate information about this I never singnature any document to you or never get any attention from this hospital at this time

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