BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-21
Company: CITIBANK, N.A.
State: AZ
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:
On XX/XX/XXXX my credit card was charged fraudulently and I submitted a dispute. My husband 's card was cancelled, the charge was never reversed and then interest was applied. 

Today I was told I had to pay it before it can be resolved and I said absolutely NOT. I then called back and resubmitted the dispute online - XX/XX/XXXX and told it would be resolved. 

Citibank is not a GOOD BANK!!

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 2021-04-06
Company: Radius Global Solutions LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This company has closed my account 2 years ago now I see that it has reappeared as open and they are reporting the incorrect amount and payment history

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 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
HAPPY SATURDAY XXXX! - I was going through my credit profile again today and noticed an old XXXX card that i had back in XXXX of XXXX which i believe was eventually transferred to XXXX XXXX. I never recalled being late with that account but my surprised today i noticed that your company has marked me late several times over the months in XXXX. But what's more surprising is that each bureau show that i was late in different months and shows different dates of last payments. There are so many inconsistencies, inaccurate, and incomplete information on how this particular account is being reported on my credit profile and it's detrimental to my character and my ability to get the best rate out there. It's also illegally re-aging this account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements and i'm exercising my rights under the guidelines of FCRA section XXXX. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2022-01-05
Company: U.S. BANCORP
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage back on XX/XX/XXXX with XXXX XXXX. The loan services than was switched to US Bank. The school taxes on this property were due by XX/XX/XXXX. When the loan closed, they collected 13 months of school taxes that went into the escrow account. The loan was Transferred to US bank prior to the first payment date of XX/XX/XXXX and with that, all of the escrow money was transferred to US bank to pay the taxes. 
At the end of XXXX, we received a delinquent tax notice with a penalty of over {$700.00}. They never paid the taxes since XXXX and I started reaching out to the tax department starting XXXX. I spoke with a XXXX, XXXX, XXXX, XXXX on the phone and emailed the tax department multiple times and they never responded by email. On the phone I was told on four separate occasions that a manager would call me and my husband back and they never did. I was told a check was mailed on the XXXX but they could give me no confirmation. This has been going on for a month until finally today I called again sat on the phone for almost 2 hours because I refused to accept a callback because I knew it was a lie. Finally a XXXX who said she was a supervisor in tax escalation told me that she too could not give me any proof of payment and it was paid on the XX/XX/XXXX. She then placed me on hold again and sent me over to customer service for some reason saying they could give me proof. The customer service rep I finally reached a XXXX who said he could only give me a copy of our mortgage statement that the escrow didnt not have the money any longer. I asked him if he could give a check number or wire transfer confirmation and he informed me that she was the only person who had that information. He then called her back and after waiting another 30 minutes he told me that XXXX had the information and just didnt give it to me. He said she told him the check was post dated for XX/XX/XXXX and mailed even though they had been telling me all month it was already mailed. She lied to me or avoided my phone calls. So now they said a check was mailed the XXXX, I still have no proof and if the taxes are not paid by Friday we will have a lien placed against the property for taxes that were already paid to the bank. The bank Employees in the tax department have purposefully miss lead me through the entire month of XXXX as they still did not pay my taxes. I am at a loss for what to do at this point. 
Thank you for looking into this! I greatly appreciate any help! 
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 2019-03-18
Company: EQUIFAX, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This has all started years ago when I disputed a non authorized hard inquiry with XXXX, I already Had a XXXX card so I disputed that hard inquiry resulting of them deleting 12 years of account payments and history never putting it back on # 2 Since XX/XX/XXXX all 3 credit bureaus had reported a on authorized inquiry from XXXX XXXX  another account that I have under my name and have had for over 3 years so my hard inquiry had already dropped off I immediately disputed this new one and there goes another history of payments for 3 years And deletion of an account my score was XXXX and after they deleted these 2 Accounts it dropped down to the low XXXX hundreds I have absolutely no credit history after I worked extremely hard to gain it back after my identity with stone number 3 XXXX XXXX card As of today XX/XX/XXXX I called them to fix the credit history reporting because they were only reporting 10 months and I've had it for 2 years there goes another account deletion I have had to submit several disputes to all 3 credit beaurous for misleading my credit files. Whenever doing so they make them worse. Equifax has now deleted 3 major credit cards due to me disputing 2 non authorized Inquiries, And a payment history repair because they were only reporting 10 months of payments when I have had the card 2 years in which resulted in them just deleting the entire account once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
XXXX XXXX, Resolution POA Specialist, XXXX, extension XXXX, has blocked the account and refuses to allow the member or the Power of Attorney Representative to withdraw any of the funds or transfer the funds. She wants the account closed and the funds to be paid to her. 

She has responded to the XXXX XXXX XXXX that the member may close the account over the phone or in writing but refuses to transfer the funds to another account, release the Power of Attorney. 

XXXX serving XXXX XXXX DC XXXX XXXX Pennsylvania Print To : XXXX XXXX XXXX Subject : Message received from the business about your complaint This message originally read on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : Complaint ID XXXX ; Navy Federal Credit Union Dear XXXX XXXX : The company responded to your submission and we are passing it along to you. The contents of this message are below or attached. Please respond to this message in written form within 10 days. 

The text of your complaint may be publicly posted on XXXX Web site ( XXXX reserves the right to not post in accordance with XXXX policy ). Please do not include any personally identifiable information when you tell us about your problem or in your desired outcome. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX may edit your complaint to protect privacy rights and to remove inappropriate language. 

Sincerely, XXXX XXXX Dispute Resolution Analyst XXXX Phone : XXXX MESSAGE FROM BUSINESS : This is in reference to the follow-up complaint we received on XXXX XX/XX/2019 from the XXXX XXXX XXXX  on behalf of XXXX XXXX XXXX. The complaint was originally assigned an ID number of XXXX. 



We have reviewed XXXX XXXX concerns. Navy Federal reserves the right to decline a Power of Attorney ( POA ) if the document does not meet our standards. Should the Principal choose to close her Navy Federal accounts, she may submit her request in writing if she is unable to do so by visiting a branch or contacting us by telephone. 

If XXXX XXXX has any questions, she may contact XXXX XXXX, XXXX XXXX XXXX, at XXXX, extension XXXX, between XXXX XXXX. and XXXX XXXX., Central time, Monday through Friday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove the following fraudulent inquiries on my report XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX-XXXX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: SYNCHRONY FINANCIAL
State: TX
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:
sent ftc violation and all the documents that proof of the violation to have it deleted XX/XX/2019 Source XXXX Date Submitted XX/XX/2019 Estimated Resolution Date XX/XX/2019 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Synchrony bank sam s club XXXX XXXX synchrony bank sam s club XXXX XXXX Open Date XX/XX/2019 XX/XX/2019 XX/XX/2019 Balance {$4400.00} {$4400.00} {$4400.00} Collection Debt {$4400.00} {$4400.00}

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 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
When I was reviewing my credit report I noticed a collection from XXXX XXXX company, I reached out to the credit bureaus to investigate its reporting to which it has come back verified, I then reached out to XXXX XXXX  I got no response I then filed a CFPB complaint on XX/XX/18 to which I got a response saying as follows " Company 's Response Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Please be advised that the very same concerns were recently raised by Mr. XXXX in a previous CFPB complaint. As we advised previously, we can not locate the file in question with the information that has been provided to XXXX as part of the consumers complaint. We would appreciate it if Mr. XXXX could provide us with information on the specific account in question. If he could please upload to his complaint a copy of a letter with a XXXX  file number and/or a copy of his credit report, we would be happy to investigate the consumers concerns further. We trust this resolves your concern. 
Now I don't have any information to provide since I don't know what this is and since they couldn't locate the file i'm unsure how the credit bureus ever did a real investigation. Like what they refer to in the XXXX Vs Transunion lawsuit.

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 2018-04-04
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.

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 2021-03-25
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 I noticed a pending transaction on my Huntington Bank checking account for a {$2000.00} withdrawal at a branch. There are three people on the account and I confirmed with all of them that they did not make that withdrawal. I contacted Huntington customer service and they filed a dispute transaction claim that they promised would be resolved in 4 business days. On XX/XX/2021 the transaction posted to my account and I was able to see the withdrawal slip used. The person who signed the slip had a name similar to someone on my account, but there were an extra 4 letters to her name. Also, the handwriting for the {$2000.00} amount on the slip and the '2 ' in the account number were different so I assumed that the branch teller looked up the person 's account using her name and selected the wrong account. When I called Huntington on XX/XX/2021 they said that the transaction was not going to be reversed because someone on my account had made the deposit. I disputed this and pointed out that the person 's name is different ( on the withdrawal slip ) from what is on the account and that this was clearly a banking error. They keep promising to look into this further and I still do not have the {$2000.00} in my account. I don't believe that they will resolve this because they are not carefully checking the information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-21
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: Account information incorrect

Complaint:
Experian is reporting recent late payments on an old XXXX XXXX XXXX ( acct # XXXX ) that has been closed since 2014. How can this be possible. The account was paid and closed and the date of last activity was in 2014. The other bureaus are reporting the account accurately but Experian is NOT. This error is HIGHLY impacting my credit scores. Correct these errors immediately or delete the account off my credit file!

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 2020-09-01
Company: Carvana Group, LLC
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I am a federally protected consumer and I have requested validation of the debt owed to Carvana for my XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX and it was received and signed for but I have not received a response. Additionally, upon receiving the vehicle I noticed an error in my name on the registration and was told by Carvana staff that there is no way for them to fix this error. This is liable to cause harm to me and my family if pulled over, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax continue to report inaccurate information on my credit file. Remove these items from my credit file. 
Collections : XXXX XXXX XXXX XXXX please remove. never signed a contract or made any agreement. 
XXXX, XXXX, XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
XXXX XXXX XXXX XXXX remove. never signed a contract or made any agreement. 
Inaccurate acoounts : XXXX XXXX XXXX XXXX XXXX please remove late payments. never was late XXXX/XXXX XXXX please remove late payment. never was late XXXX XXXX XXXX pay for delete account. please remove XXXX XXXX XXXX XXXX please remove late payments. never was late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a account with Navy Federal received my Child Supporr in the account the account was compromised and every deposit i received since XXXX they took it i need my Kids Money out that Account i want it closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MOTOR XXXX  XX/XX/2018 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo immediately froze my account requesting identification. I submitted. Account STILL frozen a week later. I've called, emailed, and chatted to no avail. I WANT MY MONEY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Other problem getting your report or credit score

Complaint:
According to TranSUnion they are reporting me as a deceased.

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 2019-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 have disputed the charge {$250.00} ( XXXX XXXX ) on XX/XX/2018. 
The amount {$250.00} had been credited on my account when I called Capital One customer services. 
It is a temporary credit while they were investigating my dispute charge. 

I have received a letter from Capital One and needed to send it to them with the documentation which shows the amount {$250.00} needs to be returned. I did send it to them without documentation. 

I had explained to them ( Capital One ) I don't have any documentation from XXXX. My ex-husband had spoken with their customer services. As per they said, the remaining balance which will be approximately {$250.00} will be credited on my account in 7-10 days after making the payment. The credit was not refunded from XXXX XXXX so I had called to Capital One to dispute this charge and explained to them all what I have. 

However, Capital One didn't do their job for their customer instead of resolving the issue. The temporary credit {$250.00} has been charge from Capital One. The reason they took {$250.00} was I didn't submit the document what tation they need. 

However, I have already explained to them but they have denied and rejected to resolve the issue what I have. 

If I have all documentation from XXXX, I wouldn't even call them to help and dispute the charge. I am not satisfied their services and whatever they have done was not properly for their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
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:
CFPB, kindly speed up the process in reversing the late payments that were reported on some of the accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX..I addressed the issue with the credit bureaus but they were unable to fix it. The error is keeping me from moving forward on buying a car

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