BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I originally placed an order on the website XXXX XXXX ( found via XXXX XXXX for XXXX  products ) for the following XXXX  products : XXXX XXXX XXXX XXXX And XXXX XXXX ( Snow ) 1 {$220.00} XXXX XXXX XXXX XXXX XXXX  - Battery 1 {$490.00} XXXX XXXX XXXX XXXX 2 Pack White 1 {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} Total {$1200.00} I received an order confirmation and email thread I had with the 'merchant '. After a couple of back and forth emails the email address was no longer available and the website was also no longer active so I had no additional contact info to correspond with the 'merchant '. I was sent a package that contained a 'spinner ' toy in lieu of the XXXX products I had ordered. This allowed the merchant to tell CitiBank, my credit card that was attached to my XXXX account, that I had received the product. I disputed the charge with CitiBank and they did NOT reverse the charge claiming that this was a 'legal ' process and the bank on their end claimed I received the merchandise based on the receipt of delivery. Again I received a 'spinner toy ' ... NOT the electronic XXXX  products that I had ordered. I am miffed as to how CitiBank did not reverse charges. THey have directed me to submit the claim here to the FTC. How can I be refunded? If my credit card provider wont protect me from online purchases, who does? I disputed in XXXX as well, they said it was they couldn't do anything b/c my credit card company was addressing it. How can I be protected going forward???

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 2023-10-11
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
We have a XXXX loan we need lower payment on. Weve tried on line but need to speak with Edfinancial representative to get some some questions answered. We called XXXX approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE VOICE MAIL RECORDING CUTS OUT AT LEAST XXXX XXXX XXXX times before it recycles to finally understand what number you have to push. The XXXX call had a waiting time of XXXX minutes and the XXXX  call has a waiting time of XXXX minutes. We had not received a call from our XXXX  call as of XXXX. You should call the Edfinancial phone # XXXX XXXX and listen to the ridiculous answering mach voicemail recording.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Someone walked into a Citibank branch office in XXXX XXXX, FL and withdrew money from my account. I live in XXXX. Its been over 30 days and Citi can give me no info on the progress of their investigation and the money has not been credited back to my account. I signed and hand delivered the return to the bank as well as faxed it back and mailed a copy back. Still no solution.

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 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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 A 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 2023-10-05
Company: CADENCE BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX - Cadence Bank XXXX XXXX XXXX XXXX, TX XXXX Attention : XXXX XXXX Phone : XXXX I inquired about the status and funds in my joint banking account and was told that my savings account no longer had funds and was closed by the other party on the joint account. The other party ( XXXX XXXX ) is located XXXX hours away in XXXX XXXX Texas and when I asked who authorized the closing of the account, XXXX XXXX had no record of a recorded line or signed forms confirming who authorized the closure. Although XXXX is who wrote the bank note given to XXXX XXXX to close the account on XX/XX/XXXX. 

On XX/XX/XXXX I then also contacted Bank Manager XXXX XXXX who looked into the operations of closing this account, and on XX/XX/XXXX I was told that due to XXXX XXXX having been personally known by XXXX, they did not have to go through standard protocol of having both parties ( XXXX XXXX and myself XXXX XXXX ) in person to close the account. 

My joint account was wrongfully closed by the workers of Cadence Bank on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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:
I have so many addresses on my reports none of them match i have been reaching to them about not having a suffix behind my name, there are a lot of addresses, names and etc that are not related to me. I am trying to get a position with the government and i have so many inquiries on my report that someone has gotten my information and applied for everything. I do not understand how there is not enough protection to protect our information and identity. please help me to start a new chapter of my life. I spoke with the bureaus and they said I had to report to you all to get the things removed off. I have reached out XXXX to get this handled

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 2023-02-27
Company: Experian Information Solutions Inc.
State: NY
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, Account : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2019, I failed to make a payment on my Best Buy credit card. I thought auto pay was set up, but it wasn't. It was an honest mistake, and I've made every other payment on time, but that one missed payment is really affecting my credit score. I called them to try and get it forgiven and taken off of my credit report, however, they told me they couldn't do anything and pointed me to you guys at CFPB.

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 2023-09-19
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am getting emails every week about my PayPal account and that I have been charged a certain ( large ) amount on my PayPal credit card. I have PayPal account and I have not been charged but these emails are trying to get me to call them to complete the charge for opening a business PayPal. They are trying to scam me. They are sending it to my old email address. Here is one example : " Subject : welcome to paypal! 
Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your request to open your Paypal Business account is processed. 
This account has been verified on your SSN and you can now accept credit card payments without hassle. We have charged merchant fees of {$640.00} from your checking account .It will reflect on your bank statement in XXXX hours.

If you haven't signed up for Paypal Business call immediately at XXXX as this may be a case of identity theft. 
Team Paypal Business XXXX Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Paypal invocie Date : XXXX, XXXX XX/XX/2023 XXXX XXXX ( UTC ) From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX. 
You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences '' And here is another : " Subject : Thank you for being Paypal 's customer! 
Date : XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX Reply-To : XXXX To : XXXX Hello, PayPal user you sent money to XXXX XXXX XXXX XXXX If you suspect any fraudulent activity related to this transaction, please report it by contacting XXXX. 
PayPal Alert : Payment Sent to XXXX XXXX XXXX For any concerns, please contact XXXX You have sent a payment of {$590.00} USD. 
Unsubscribe From This List | Manage Email Preferences

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
On XX/XX/2022 I was alerted of my online banking login being accessed by someone who wasnt me I immediately reported it to my bank instead of them helping me they took my money overdrafted my account gave me the run around all week havent even allowed me to access my own account only for them to close my account when Im the victim of a scam was told I was apart of the Scam this is and when I asked for my account to be escalated to a manager or the highest person who can handle the situation I find it funny and convenient that now the accounts closed

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 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 instruction.

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 2022-12-13
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:
On XX/XX/XXXX, I mailed you a letter disputing inaccurate information contained in my consumer reports compiled, maintained, and published by you. 

As per XXXX records, you received my dispute letter on XX/XX/XXXX. Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period on the date on which you received my dispute letter. Here, you received my dispute letter on XX/XX/XXXX ; therefore, your response was due on or by XX/XX/XXXX, instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming that you refuse to perform a reinvestigation. 

Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you claim to have already validated the furnished information. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX I have included a current credit report that clearly shows XXXX has abided by the laws of the FCRA, and REMOVED 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 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Dear CFPB, I originally filed this complaint on XX/XX/XXXX ( complaint # XXXX ) which was marked as a duplicate regarding a prior complaint against the Bank of America NOT XXXX XXXX XXXX please review this complaint as this is a very different complaint asking for a copy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCLUDING PAYMENTS AND BALANCES. 

I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the XXXX XXXX  mortgage was then transferred back to the Bank of America on XX/XX/XXXX. 

According to the XXXX County Register of Deeds, XXXX XXXX never filed the mortgage nor the amendment and instead the XXXX County Register of Deeds only recording the XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX County Register of Deeds documentation attached ). 

Please have XXXX XXXX send me a copy of the mortgage as well as the modification when the mortgage was transferred to the Bank of America on XX/XX/XXXX as well as filing the required documents with the XXXX County Register of Deeds. Also, please have XXXX XXXX send me a copy of all the financials associated with the XXXX XXXX  mortgage. 

PLEASE HAVE XXXX XXXX  SEND ME THE REQUESTED MORTGAGE PAPERWORK AND FINANCIALS TO MY ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX Thank you, 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 2018-09-16
Company: AES/PHEAA
State: NV
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 attended XXXX 's XXXX XXXX for 2 weeks and I dropped out back in XX/XX/XXXX due to XXXX. This school was under investigation for fraud. Cashing students checks that had withdrew. This is fraud. Over 30 years and it is still haunting me. Please review all documents. I submitted to XXXX  XXXX XXXX twice. Please remove from my credit file. This is fraud and not my debt. I filed I'd theft affidavit. I pulled all records from us department of education records were falsified. They show me graduated and I never graduated from college. Please review and remove this inaccuracies from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few years ago I leased a vehicle from Ford, and upon the return of the vehicle they mentioned that I will have to owe some money due to over milage and some damage to the car. I was totally fine with that, and knew that was something I would have to be doing. As i closed my account with them I gave them my new contact information as I have moved and got a new phone number. They said 'Corporate ' will bill me after they take a look at the vehicle. 2 years later I find out I have a delinquency on my credit report because I got a notification from XXXX that my perfect credit score of XXXX went to XXXX overnight. I research even more, I call ford and ask what happened, and they said " your case is with a legal team now '', I called the third party law firm, and apparently they have been trying to contact me for 2 years and I didn't hear a thing. The only reason i called them was because of my XXXX report that they jsut posted to the credit bureaus on XX/XX/18. Had I known, i would have paid this off immediately. I did pay it immediately, but now I am penalized becuase no one contacted me? I reached out to ford again after the payment went through and they told me they had no phone number on file for me, and my old address. I called the ford dealership in my town, and they have all the correct contact information. How does corporate not have my information, yet the individual dealer does, and no one was able to call me about this issue. Now I have to pay hundreds of dollars to have an attorney try to remediate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Collection account from XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX  falsely reporting to XXXX and Trans Union.

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