BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
There are accounts that were included in the bankruptcy but still listed on my credit report. According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

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 2020-11-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
TD Bank checking acct with XXXX  balance keeps charging XXXX monthly fee,. Wrote 2 letters to them to close acct with XXXX bal. They do not. Last month I sent a check for 2 months fees and again said to close acct. Now I get a 3rd notice for 3 months of fees for XXXX. They never even deposited the check to my XXXX checking acct. Company has worst cust service. No chat/call wait times horrible and do not respond to my letters. Should be closed down for cheating customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was one of several medical debts I had. In 2017 I had begun paying off first the smaller amounts owed. The debt in question was {$410.00}. The Collection agency was XXXX XXXX XXXX. This bill was paid in full by personal check written XX/XX/2017. BUT it keeps re-occurring on my credit report under the credit collection agency of Piedmont Credit & Collection Service. I have reported this to both XXXX  and XXXX  but it keeps coming back when I check my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
why this situation is happend with my account. i try to withdraw my money but the system is not allow me to do that. since XX/XX/XXXX until XX/XX/XXXX my account has been limited for same reason XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX THIS SITUATION IS NOT GOOD AND THE ONLY THINK I TRY IS WITHDRAW MY MONEY TO MY BANK ACCOUNT. IF YOUR SYSTEM MAKE ANY MISTAKE ABOUT THIS SITUATION PLEASE FIX IT. I attach A DOCUMENT PAYPAL SAID MY FUNDS WILL BE AVALIABLE BY XX/XX/XXXX BUT NOBODY HELP ME WITH THAT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has a debt on my credit report, I contact them in reference to such because this is hindering my housing opportunities. When I spoke with the representative yesterday XXXX, he stated to me that he is attempting to collect on the debt. The debt has exceeded the statues of limitations per the state of NC Gen Stat. 1-52. It remaining on my credit report is hindering housing for me and my children. The representative has also told me that the account is accruing interest still, yet they are operating unlawfully. I asked them to send me copies of all documentation so that I can have an attorney review it. The representative proceed to tell me that the company operates under the laws of CA, I explained to him that I am governed under the laws of NC, therefore, I can not be held under CA statues.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello there! 
On XX/XX/XXXX, XXXX XXXX ( XXXX ) sent me three payments for {$480.00} ( {$1400.00} ) and when the money arrived in my PayPal account and I tried to transfer it to my bank, its saying Im not able to transfer the money. I contacted the business and they contacted PayPal to let them know it was them who authorized the transactions and I also contacted PayPal but they never responded to me like they always do to their customers. 

I just want them to let me get my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: PA
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:
The credit bureaus such as XXXX, Equifax, and XXXX  are reporting inaccurate information on my credit file. They are reporting a derogatory account XXXX from XXXX XXXX XXXX  as past due for {$21000.00} and this is inaccurate. The account has been settled and PAID OFF IN FULL. I would like this account corrected and the derogatory status removed from all of the credit bureaus database. I have disputed with the credit bureaus both by phone and letter and they refused to delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: AL
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$170.00} XXXX XXXX  XXXX {$360.00}

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 2020-11-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a short sale for two mortgages on XX/XX/20 one with Bayview community service and one with XXXX XXXX. I have all the documents from the short sale and I can add them below. Now the problem is the first mortgage satisfaction of mortgage is still not recorded as of today XX/XX/20. That's over 30 days with no recorded mortgage. The second mortgage with XXXX  XXXX was recorded and sent me a copy of record on XX/XX/20. 

I have called Bayview and my loan representative 3 times in 10 days and her voicemail says she will return a call in 24 hours. Her name is XXXX XXXX. her direct number is XXXX. 

The longer they take to record my satisfaction of mortgage the longer I wait in my three year period. The fact they wont return a call is pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I stayed at the XXXX XXXX XXXX XXXX XXXX on an extended stay with a charge of {$120.00} per night from XX/XX/XXXX through XX/XX/XXXX. 

Over the course of this time, more than {$6000.00} in unauthorized charges were assessed onto my debit card by XXXX XXXX, XXXX XXXX XXXX. Most recently, I used my XXXX XXXX points to stay the last 10 - 12 days. XXXX XXXX, received over {$400.00} per night from my points and I was guaranteed a {$0.00} balance due for these days. However, I learned that after we checked out again without authorization or a balance due of any kind he drained my bank account of all but {$210.00}. Today, my balance is {$0.00}. He charged in total for the entire stay, over {$50000.00}, of which at least {$6000.00} was unauthorized. 

I have reported this to my bank and have also copied my bank on my email to XXXX XXXX asking for him to immediately reverse the most recent charge, which happened after my XX/XX/XXXX checkout. 

He has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'm having issues getting the fraud alerts removed from my credit reports. I've sent in all information requested and they still appear on my 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 non-monetary relief
Consumer complaint received 2020-11-01
Company: U.S. BANCORP
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
continuously for the last 6 weeks ive been having issues with usbank disabling my online accounts so i can not get into any of them including my checking savings business accounts and credit cards so i can pay my bills on time and not be late. they are distroying my credit by making me be late on my payments by locking me out of my online banking and then taking away my limit on my XXXXcc card i had a limit of {$8300.00} and now they took it down to {$2200.00} because of these problems even though i find a way around it but very disturbed them locking me out of all my accounts to pay bills and charging late fees when they lock me out so i cant pay bills and then cutting my credit card limit down to 1/4 of what i had for a limit. i very angry about this and need something done about this??? they cut me out of my cash rewards for XXXX XXXX XXXX as well on that same credit card saying i didnt sign up for it when i always sign up a whole month before always. and i have proof in writing that i did sign up cause i saved it on my computer.

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 2022-06-15
Company: EQUIFAX, INC.
State: LA
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 did not receive any notification about my letters for them nor results from the information I have disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-05
Company: AR Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an automobile accident in XX/XX/2017, where the other driver was clearly at fault. I had to undergo ER treatment at the XXXX XXXX in XXXX, VA ( XXXX XXXX XXXX XXXX, account No. : XXXX ). At the time of the treatment and subsequently, I have provided their billing department the proper information about my healthcare plan - Group Number, ID, phone number, copy of the card. I have submitted this information multiple times - over the phone and via USPS mail. For some strange reason, the ER billing team has failed to submit the claim to my insurance carrier and have chosen to retain the collections agency AR Resources, XXXX XXXX XXXX, XXXX XXXX PA, XXXX, phone : XXXX, my account No. : with them is : XXXX. I believe I have also provided this debt collector with my insurance card, and again, they have failed to submit a claim. They have chosen instead, to harass me with multiple letters and numerous phone calls, during work hours. I have instructed them many time to file a claim with my insurance carrier and they have chosen to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently opened up a Macys credit card in my name.

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 2023-02-14
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Tried explaining my husband became ill with needing a XXXX XXXX ; they didnt care. They wrote it off as bad debt and then turned around and sued me. Has been on my credit for months already.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have a been a customer for 10+ years and have never have any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I do not have an account with this creditor. I have disputed this account on several occassions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: AMERICAN EXPRESS COMPANY
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:
I just turned XXXX on XX/XX/2018. I have no credit and have never applied for credit in my name. I may be an authorized user of some of my family members credit but nothing personally of my own. There is an American Express card that does not belong to me reporting on my credit and shows as an individual account opened 4 years 11 months ago, I was XXXX then. I did not apply for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made.a transfer deposit from XXXX XXXX to Navy Federal Credit Union, which in both I have accounts. I received an immediate notification from XXXX that my transfer had gone thru and it was reflected in my XXXX online statement and account balance. On XXXX XXXX I received notice from.Navy Federal Credit Union that I was overdrawn, and that a {$20.00} fee was imposed for each draft that I had done with Navy Federal since XXXX XXXX. If I successfully completed the transfer on XXXX with XXXX , why isn't it reflected in Navy Federal 's system? Moreover, why does it take Navy Federal so long to acknowledge any type of deposit as I have had this same issue before with them even on normal deposits? I am now way overdrawn because of Navy Federal 's lack of diligence in posting deposits. When I confronted them they stated that would not help me with this issue nor would they even try to make it right. I feel I am being unfairly charged these overdraft fees. It is not my fault that Navy Federal takes so long to acknowledge a deposit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-01
Company: Experian Information Solutions Inc.
State: GA
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 contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

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 2020-11-01
Company: EQUIFAX, INC.
State: GA
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 contacted XXXX XXXX XXXX on numerous occasions, last time XX/XX/2020 to fraud department. Someone use my identity to open a line of credit and I let XXXX XXXX XXXX know. I have contacted credit bureau as well and nothing has been done. This account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address is inaccurate. I only live at XXXX address have live there years and I only have XXXX name I use. There is no other name. My job is incorrect as well. 

All my personal information needs to be corrected and updated on a XXXX bureaus. XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
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 was charged for a purchase I never received. Bank card was closed for undisclosed reason

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 2020-11-01
Company: Experian Information Solutions 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:
To whom it may concern, My name is XXXX XXXX. There was fraud of some sort back on XX/XX/2020 someone tried to apply for a credit card using my name of some sort with XXXX XXXX. I called XXXX  XXXX and they understood I didn't authorize any new cards with them and was already a member. They had said since it was fraud and not me they would remove the hard pull from my file. It was on all my files that. They removed it on XXXX  report but on XXXX  report it is still there. I have attached pictures to show it was removed from XXXX. XXXX it never came off.

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 2020-12-09
Company: TD BANK US HOLDING COMPANY
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:
An account was fraudulently opened using my name with TD BANK XXXX and Ive filed a dispute with XXXX  and was not resolved. I do have a police report from the incident. Please investigate and remove negative item from my credit report. Thanks so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I would see transactions that were not made by me and charged on my card. Then ATM charge error codes when I used my card.

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