BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a checking account and debit card with Citi Bank. Unfortunately, my card was lost and then stolen. I used to wear fanny packs, which held my debit cards, ID, and business cell phone. I lost the fanny pack, or left it somewhere and couldn't locate it. An unknown person found it and decided to make a purchase using my card which wasn't authorized by me, the sole account holder. I contacted the bank, worked with fraud and disputes to dispute the amount. Initially, the bank advised me that I would get a credit and the claim would be investigated and closed within 10 days. I became paranoid and removed all my funds from that account. I later found out the claims department was closing my claim and finding me at fault. This was a shock to me, and the total opposite of what an FDIC-insured bank should be doing. I requested documents and proof of the investigation, which I wanted to provide to the FDIC and Federal Reserve as a violation of Federal Regulation E. Instead of providing me with any concrete document proving I spent the funds, they sent me up the ladder of customer service reps who had their hands tied. I even got to an escalations team who did nothing but treat me with disrespect and berate me. I was even called a " SIR '' several times, even though on a recorded line I advised the representative that I am nonbinary and identify as them/they. When I explained this to the supervisor the agent connected me to, I heard him giggle at me and or about me when he thought he put himself on mute. When I said, " I can hear you ... '' I was placed on hold with music immediately. I was later reported to XXXX XXXX and XXXX as owing a balance to them for the disputed amount and for account abuse. In no way did I abuse my account. This negative reporting has prevented me from getting a bank account. It has affected my life and livelihood.

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 2018-04-15
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. 

While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. 

I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. 

I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4  times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
Between XXXX XXXX I did not get the money what do you want me to do that deposit some money in my account and you want me to get the money out of my account to purchase some XXXX cards and then I take the numbers and put into the system I never heard that before. Heroes the two phone numbers XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XX/XX/2021 ; GA XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My husband who is recovering from a XXXX got a text which ended up being a scammer who stole {$990.00} from our joint bank account. He used fraudulent information and scare tactics. My husband got scammed. I have filed 3 complaints with Wells Fargo our bank and they will not return our money! This happened the end of XXXX. We have fallen behind on all bills since this. Wells Fargo said yes you were scammed but we will not refund you!

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 2021-04-20
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA loan through Wells Fargo has a mortgage insurance payment each month. I have lived in this house for almost nine years and requested to know the date that the mortgage insurance will end. About a month ago, I received a notice from the accessor that my home value has increased to $ XXXX. The value of the home has increased each year I have lived here since 2012. The original loan was for $ XXXX. I now owe a little over $ XXXX. I have called a few times to ask which loan-to-value ratio are they using - the bank 's value or XXXX XXXX accessor 's value. The only answer they will give me is that they can not discuss my account over the phone and will send me a letter explaining what I need to know. One agent told me she thought it was based on the original loan amount not the actual value of the house. Tonight 's phone call, the agent said that I may be able to escalate the issue to someone who will discuss it with me. But for now my escrow statement will include the PMI until I meet the removal requirements. That I needed to wait until after the next letter is sent then I could possibly get the new escrow report if necessary. Why can't they tell me the month and year the insurance will end? And why hasn't it ended already since I've paid more than the 8year requirement and the value of the house was high enough a few years ago? I feel like I'm getting the run around.

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 2020-12-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent two letter challenging the accuracy of this account one on XX/XX/2020 and the other on XX/XX/2020, and yet still no response. I also see in the comments section where there has been no actual investigation conducted this is a violation of my rights. You have violated my rights under FCRA with a failure to place this items in dispute under section 623 and I demand it be deleted immediately. THIS ACCOUNT IS STILL NOT XXXX XXXX Compliant Delete Now Creditor : XXXX XXXX XXXX Account Number XXXX  *I HAVE ATTACHED BOTH OF MY PREVIOUSLY SENT LETTERS WITH THEIR CERTIFIED MAIL TRACKING NUMBERS AND A SCREENSHOT OF HOW THIS ACCOUNT IS REPORTING AS OF XX/XX/2020 WITH NO " dispute '' acknowledgment in the comments section.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX NOT PROVIDED XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RESIDENT VERIFY XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear CFPB I have had a PayPal account first for business, and now in my personal capacity, for many years. PayPal has placed a hold on my account for 6 months in violation of the Consumer Financial Protection Act : specifically, the prohibition against deception or unfair practices. PayPal has placed a 180 day hold on my account in violation of the Long Form Agreement which says that risk based hold normally would not exceed 21 days. This is a deceptive representation giving because by their action, they garnished money not for a risk but for some other purpose such as wanting use of my money and not paying interest. 

From between the XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I transferred {$29000.00} into my PayPal account from my XXXX XXXX account. The size of my average transfer was around {$1000.00}. 
Once only, I mistakenly transferred money from a XXXX XXXX account that I had closed and had not updated on my PayPal transfer information to reflect this change. PayPal informed me of the error and the next day I covered that amount ( {$1000.00} only ) by bringing in additional funds. 

I admit that the initial transfer was a bit mistake on my part and one I immediately corrected with no consequence to PayPal. However, PayPal placed a 180 day hold on my account. The only notice I received is something vague informing me of the hold, but it did not even give me a phone number to call for clarification. My girlfriend and I need these funds for living expenses I have attached the letter from PayPal notifying me of the hold

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage rate was adjusted upwards and I did not see the notice, so I paid the usual amount for XXXX. 
I received an email saying they had no record of my payment for XXXX. I called them. 
They said they did in fact have a record of my XXXX payment, but that their statement that they had no record of my XXXX payment was nevertheless true, since it complied with their own internal procedures. I complained about the wording, since it was a knowingly false statement and I believe it was calculated to induce stress. They said they were sorry about how I felt ( but not about what they did ). 
I spent the rest of the day on the phone with them, trying to log into my online account and getting very little help. I was eventually successful and paid them. 
A large financial company should not conduct its business by making false and XXXX  statements and causing damage to quality and length of life disproportionate to the trivial amount of extra profit obtained by manipulating people in this way. 
There are far worse behaviors but, like compound interest, every little counts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing regarding my credit report which contains some inaccurate information. I have found several negative items on my report that I believe are damaging my credit score unfairly. I would like to request that you investigate these items and remove them from my credit report as soon as possible. 

Firstly, I have an account with XXXX XXXX ( Account Number : XXXX ) that I believe has never been paid late. Your reporting of this account is completely inaccurate, and I believe it is having a negative impact on my credit score. Therefore, I kindly request that you update this account and delete the inaccurate information immediately. 

Secondly, there is an account listed under XXXXDEPT OF ED ( Account Number : XXXX ) that I am unsure of. I would appreciate it if you could clarify this account 's name and number to me, or remove it from my credit report altogether. 

Thirdly, there is an account listed under XXXX XXXX XXXX ( Account Number : XXXX ) that I can not recognize. I kindly request that you investigate this account and make sure that it belongs to me. If it does not belong to me, please remove it from my credit report. 

Additionally, I would like to bring your attention to several inquiries that have reached the statute of limitations. The inquiries listed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were made on XX/XX/XXXX. Since the statute of limitations for inquiries is exceeded, I request that you remove these inquiries from my credit report. 

I appreciate your prompt attention to this matter, and I would be grateful if you could send me a copy of the updated credit report once these items have been removed. 

Thank you for your help. 

Sincerely, 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 2021-06-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of debt.

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
After viewing my credit report for the first time in years I saw that transunion has billing me {$19.00} a month for their service. I would never sign up for this. I tried handling this online but I needed a username and a password, which I dont have. When I called I was asked for email for security and I didnt know the " right one '' so I couldn't cancel subscription let alone receive a refund. They wouldn't even give me my username and password! After several more calls finally a man told me he could cancel. Just recieved bill and, of course, still charging me {$19.00} a month! What do I do?!

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 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I recently received my consumer reports and noticed some hard inquires that were not authorized by me the consumer. Theses items are effecting me negatively and were not made by me the consumer.

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 2018-11-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had already resolved this issue made a complaint against XXXX XXXX and XXXX XXXX with CFPB XXXX now theyre bugging from Portfolio Recovery Associates! I would like for you to find because since youve sent notification. They called me on Friday XX/XX/18 to harass me! 

Why dont you fine XXXX XXXX, XXXX XXXX and now Portfolio Recovery Associates for harassment under FDCPA FCRA????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On or about XX/XX/2021 I attempted to open a new checking account with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Mo XXXX and was mailed a letter of denial stating ( Based on information received by ChexSystems, a consumer reporting agency ) Letter sent have a phone number of XXXX to call and obtain a free copy of my credit report, however when calling said number the auto mated systems continues to hang up and say call later, I called ChexSystems customer service on or about XX/XX/XXXX at XXXX CST and was hung up on several times by their representatives they are refusing to provide me a free copy pursuant to the FCRA and are reporting inaccurate information and not allowing me a opportunity to dispute it!

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 2021-04-08
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation