BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-22
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
After deciding to close my account due to suspension of external account transfer options, I called Simple ( simple.com ) to request account closure. 

Speaking with the first service rep, I was advised to remove the money from the account first. I stated that transfers to external accounts was not available for me, so she advised me to withdraw my remaining balance from an ATM. I inquired whether she knew of any ATMs in my area that dispensed {$1.00} bills, since the balance in my account was not an increment of {$10.00}. 

I then was transferred to a supervisor who informed me they could close my account and explained how I could transfer to my spouses account at the same bank. 

She then explained that I had to request account closure in writing, or through secure messaging in the Simple App.

I then submitted that request, requesting all accounts in my name be closed. The response I received said they also needed confirmation to close a protected goal account, something I was not aware I had and had not been notified of during the phone conversation, and was yet another barrier to closing my account with Simple. 

After sending yet another message again requesting ALL accounts be closed and requesting confirmation, I stopped getting any responses from the customer service. 

I have a XXXX  balance and have no pending transactions with Simple Bank, and would simply like this bank to honor my request for account closure. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a high school ring for my daughter from XXXX company in XX/XX/XXXX and I was set up on payment plan. I was late, and made final payment in XX/XX/XXXX. 

I never received notification or reminder about payment, however I understand it was still my responsibility. In XX/XX/XXXX I received a text on my phone that the ring was going to be delivered to the high school. I sent a text back asking questions because i knew it was not paid in full. XXXX XXXX confirmed this with emails. I finally received a mail to my home stating I had a outstanding balance and i was already send to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I tried to resolve this through XXXX XXXX who is their executive account for XXXX XXXX, he said he could not help me and referred me to XXXX in collections department. I asked XXXX to help me resolve this problem, and she referred me to XXXX XXXX XXXX XXXX XXXX. I called them today and spoke to XXXX XXXX. I told him what had transpired with XXXX and told him I had receipts from XXXX and he said XXXX has been their client for many years. Because he had me under my maiden name he still needed proof and was still sending to the credit beau in a few weeks. I explained to him that XXXX did not have my correct email address on file, and could not help me any further. I asked for email address so I could send him a copy of final receipt from XXXX stating the balance was paid in full. He did give me an email address and I send him copy while I was still on phone, he said he try to check since that is not his department. At the end of the day, I felt I received no help, and Merchants could not do anything because XXXX has been their client for many years. 

I am being sent to the credit beau and this account has been paid in full, among other things that have taken place with XXXX, for one they did not have correct email address. Second, anyone I communicated through email at XXXX referred me to different departments. Third, They sent me confirmation they had record of account being paid in full, but yet, they could not help me and I was again referred to Their collections department to speak with XXXX who referred me to Merchants Collections? I don't understand why they can not just help me resolve this meanwhile Im being penalized by being sent to credit beau in a couple of weeks?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Caine & Weiner sent me letters about an alleged debt asking me to pay them. They are reporting to the major credit bureaus although they have not sent me any document to prove this debt is mine. I have requested twice by certified letter and these letters are attached with this complaint. I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. I have sent them two Certified dispute letters stating that if they can not verify this account, they should not report or need to remove the account from my credit reports. They have responded once with a letter asking me to pay for this alleged account and have not provided any verification of this debt. They still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. 
I have asked Caine & Weiner to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to { {$300.00} }. I have never had an account with XXXX. 
This company sent me a statement or letter showing I owe a balance. THey have not sent me anything showing my signature proving this debt belongs to me. 
I need this company to stop reporting this debt illegally to my credit report. I have also contacted the attorney general as this company has not provided me any documents bearing my signature proving this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: SYNCHRONY FINANCIAL
State: KS
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'm still being reported negatively to XXXX & XXXX Credit Bureaus ; $ XXXX+ Continued Membership, Late, & Missed Charges still are not refunded to my account, 5+ months later. XXXX was the guilty ones to charge my account for a second month, when I cancelled my account XXXX-18, 2+ days before statement for next month was processed. Many emails, with documentation, have been sent/faxed to dispute wrongful charges. 
Please send me your email address ; I'm not able to upload email documentation 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 monetary relief
Consumer complaint received 2017-12-02
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal on black Friday XXXX Thursday the XXXX of 2017 hitting XXXX search term t 75inch pop up a company marketing for place called XXXX XXXX after hitting pay realizing this company was I fraud I put in a dispute with PayPal immediately within a few minutes stating wanted cancel transaction error not trusting company. The company never responds with email confirmation or delivery like normal company. PayPal sends letter by email stating unauthorized transaction denied but in email state will help if never receive product. So tried to open case they said not allowed going against email and not honor fourteen on product deliver. At this time no word from seller and PayPal said with never refund money not there problem never received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-22
Company: STANDARD MORTGAGE CORPORATION
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at XXXX I paid my mortgage online. I was charge a late mortgage ans it hit my credit for being late past 30 days, hurting my credit score by 30 points. When I called Standard mortgage company I was told it should have been paid by online THEIR close of business at XXXX. In most instances close of business is XXXX and I had no idea their close of business was XXXX. They stated that it was not drafted from my checking account until the XXXX and that's why they would not fix 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 non-monetary relief
Consumer complaint received 2019-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I processed two payments using the XXXX application on XX/XX/XXXX in the amount of {$500.00} each. The XXXX app indicated a problem occurred and to try again later. The recipient of these funds has never received the money. However Fifth Third Bank has deducted the funds from my checking account. I placed a dispute on XX/XX/XXXX. My claim was denied on XX/XX/XXXX. I contacted the bank and reopened the claim with supporting documentation from XXXX to verify the funds transfer did not take place. The claim was denied a second time on XX/XX/XXXX. I contacted the bank and reopened the claim a 3rd time and offered a case number provided by XXXX so the bank can contact XXXX to confirm my transfer did not process and the recipient has not received the funds. The bank states they have information that the recipient received the funds. However, they are not able to provide details on how they have verified this. They keep instructing me to contact XXXX and find out where my funds are. I have done this three times and each time XXXX has confirmed the funds did not transfer. The bank should be able to easily verify with the debit card issuer, MasterCard, to confirm the details of this transaction. It is now XX/XX/XXXX I was am still waiting to receive a credit for my {$1000.00}. Each time I call Fifth Third Bank I seem to get a run around with no resolution. I am told over and over the recipient has received the funds. However, no one can tell me how this was confirmed. I have verified several times with the recipient and the person has never received the funds. I am at a loss and I am not getting anywhere with the representatives at the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
navient claims that I have three loans with them, I do but recall having three loans with them and requested promissory notes. I want proof of the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Bread Financial Holdings, Inc.
State: ME
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:
When I opened an account with XXXX XXXXXXXX XXXX XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years. 
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with. 
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate. 
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX  customer service each time. 
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Credit Karma, LLC
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: Their investigation did not fix an error on your report

Complaint:
Credit Karma is reporting wrong information about XXXX account. It is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XXXX of 2020, my identity was stolen and accounts were opened falsely in my name at several institutions. Every institution did what they needed to do to close these accounts EXCEPT HSBC. I have spoken to HSBC on at least five occasions. Reference # XXXX Despite receiving numerous statements and bills, each time I spoke to HSBC, I was assured that the falsely-opened credit card would be closed down and the credit bureaus would be notified. Today, I received yet another letter billing me for {$30.00} past due on this same card. I am afraid that HSBC will damage my credit because of their incredible incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checked my report today and I noticed some student loans account opened I wasnt aware of I mean anything reporting inaccurate should be removed right under the fcra please show me documents where it shows my written consent. Also there is inquires on my report that Im not aware of as well i contact all creditors they have not responded.

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 2018-03-21
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As owners of the property, XXXX XXXX and I approached Rushmore Loan Management Services several times to make an offer to settle the mortgage. XXXX . XXXX is the sole mortgage holder, but she has signed several powers of attorney giving me authority to speak on her behalf with XXXX, and she has told XXXX staff person XXXX XXXX to speak with me. I have spoken regularly with him, but he has been unwilling to help. 

First, he said repeatedly that he would set up an appraisal that I would pay for ( which I agreed to ), but he has never followed through. Second, XXXX . XXXX has qualified for a modification, but once he started dealing with me, he cancelled that modification. Third, every time a court date approaches, he calls to say he wants to resolve the matter and makes promises that he doesn't keep. Then at court the lawyer for XXXX tells the court that they are working with us, which isn't true. Fourth, I have arranged for potential buyers, including XXXX XXXX, a real estate investor. Although XXXX XXXX began a conversation with XXXX XXXX, when he learned that I was involved with obtaining this buyer, XXXX XXXX changed his mind, even after XXXX XXXX submitted all kinds of information, everything XXXX XXXX asked for. Fifth, I made an offer myself and, at XXXX XXXX 's request, submitted proof of funds. Yet he has refused to negotiate and make counter offers. Sixth, he continues to go back to XXXX . XXXX  even though she has told him repeatedly that she does not want to keep the unit and wants him to speak with me. 

We have wanted again and again to settle this matter. The judge keeps telling both sides that he wants us to resolve this before the next court date in XXXX. I am obtaining the transcript from the last two hearings where the judge has told us to get this settled and will forward it to the CFPB when I have it. Yet, XXXX has brushed me off again and again. XXXX XXXX has tried to side step working with me. He has made this personal and has been very disrespectful to me over the phone. His attitude has been very unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hi, i have been making several attempts with Transunion and their reps to remove several negative inquiries on my report, Transunion customer service has refused to help in the removal of these negative fraudulent inquiries. 
I have listed the inquiries that i have been trying to get removed 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX/XXXX 4. XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX I have made several attempts with Transunion and the creditors to get these fraudulent inquiries removed please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am writing u because my whole credit file is fraudulent as I have never had a credit card nor have I ever applied for credit nor have I ever had any type of delinquency please remove everything including credit cards credit inquiries and delinquencys because they are all fraudulent I found out about this because the IRS said that someone filed a ax return in my name which is fraud so please remove all associated with me name. My name is 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 2017-11-29
Company: CITIBANK, N.A.
State: LA
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:
Ive contacted the companies and tried to resolve the matter still nothing

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 2019-04-22
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
2nd CFPB Claim : To whom it may concern : I have tried to close my loan via short sale. I continue to submit offers to US Bank Corp, however, HUD and US Bank continue to deny it because the appraisal that was submitted is much higher than what the homes are selling for in my neighborhood. 

I have submitted a reasonable offer for which they continue to reject it. The difference in the amount they are willing to approve is only {$2000.00}. They misquoted the sale price for the surrounding homes by over {$5000.00}. My deadline is XX/XX/2019, to submit an approved offer, which then either forces me to foreclose on my home and/or have to submit for a deed in lieu. I don't understand the logic behind this or if it is categorized as a deceptive business practice under the law and subject to fines and penalties whether done intentionally or unintentionally. 

As you know, I have been working on this file for several months and truly need the CFPB assistance. 

Thank you, 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 2020-07-25
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$0.00}. 
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 finance 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 to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation