BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
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:
I closed a Costco CITI card because payments were not being applied to the right card as I also have a CITI Simplicity card. I continue to get late payment letters threating to report me to collections. When I call and speak to customer service I get routed to a number and then hangs up. I can not get Citi Cards to close the Costco card ending in XXXX. Citi card reported me to the credit reporting agencies and caused my credit score to be lowered.

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 2018-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Forty-five mortgage payments I made to Bank Of America starting in XX/XX/XXXX and continuing until XX/XX/XXXX were not credited to my mortgage until XX/XX/XXXX. Total this was almost {$17000.00}. BOA continued to charge me interest on money that I had paid to them for 4.5 years.They finally applied my payments in XX/XX/XXXX. 
I have asked BOA what they were doing with my money between XX/XX/XXXX and XX/XX/XXXX. The only response I have gotten from them is that they did apply the payments in XX/XX/XXXX.

I am aware that they applied these payments in XX/XX/XXXX, but I made the payments several years earlier. 
My question continues to be why didn't they credit my account when I made the payment instead of waiting over four years?

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 2019-02-24
Company: EQUIFAX, 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:
Here is the story XXXX XXXX XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: EQUIFAX, 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:
on XXXX I sent a letter about inaccurate and unknown things on my credit report. to this date over 35 days later. I have not received a response. I feel that my disputes is being ignored. Section 611 XXXX a ), stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted. I demand these be deleted immediately or I will file for litigation. my information also may been impacted by the Equifax XXXX XXXX and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ENOVA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a letter from XXXX XXXX XXXXXXXX XXXX  stating it was their second attempt at contacting me. I never received a first attempt. They say I took out a payday loan with CASHNET USA online without providing any prof of debt. They stated that I obtained this loan and immediately closed my bank account. I have had this bank account since 2008. If I did somehow get an online payday loan from a bank account from before 2008 it is well past the collection cutoff for Washington state, which I have lived in for 20 years. Furthermore they are arguing that since I " closed '' or changed my bank account they are accusing me with malicious intent to commit fraud and intend to add this to a civil lawsuit if I don't sign into their website to pay them money which I have received no proof of owing. I don't even have a date of when I supposedly took out this payday loan. They never state clearly that they are going to send me to jail but the language they are using is threatening and meant to intimidate. They state in their letter they have the right to subpoena references who will testify against me if this goes to trial but instead of naming any they put on the letter " undisclosed ''. So they are using words like malicious intent, fraud, subpeona, " witnesses testifying against me '' and trial for a supposed payday loan for under {$500.00} I supposedly took out and then I supposedly closed a bank account to avoid paying them. Again, no dates of this loan, no details. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Block, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On your XX/XX/XXXX I received in my cash app I deposit for {$1.00}, XXXX an hour after this deposit my money was transferred to somebody else 's account. I filed a complaint with cash app on XX/XX/XXXX. 2 days later I called to check the status and they had no record of me ever filing a complaint. So I filed another complaint today XX/XX/XXXX I called again to check the status of my complaint and was informed that my complaint had been closed and they would not tell me anything about anything but I was hung up on. I received three emails from cash app asking me to send complete answers to the questions they asked I can enclosed copies of those I answered the questions and then I received the same email again. So I called Cash app again to a different operator and filed another complaint today XX/XX/XXXX. Since my money has been removed from my account my gas has been shut off for inability to pay it in my light bill is actually also fixing to get shut off for inability to pay it because they will not return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
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 was notified while attempting to obtain employment that I have an outstanding balance of XXXX dollars on my credit report ( Experian ). This balance is being reported from the State of Michigan office of XX/XX/XXXX I do not owe this balance and my case is closed. I spoke with them today and they stated that they sent this information to the credit agency ( Experian ) in 2019. My report still showing a balance and as a charge 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 explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 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 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 2020-12-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
on XX/XX/2020 I submitted a XXXX with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: First Credit Services Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSWORLD SYSTEMS INC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I called Transworld Systems to resolve a debt that was on my credit report. I was told that the balance I was referencing was {$56.00} but also had another balance on a bill that was {$28.00}. The representative with Transworld said that the {$28.00} bill is not on my credit report because it is under {$50.00}. I specifically told the rep that I want to pay the {$56.00} balance and not the smaller one. I made the payment on the same day. After checking my credit report, I have noticed that only half of the amount was shown as paid. I called Transworld back onXX/XX/2020 to inquire about it. I was told the payment was split up and half of it was applied to the other debt. It is my understanding that when I pay a bill and ask for the amount to be applied to a specific bill, that it has to be done and not just applied to what ever they would like to. They told me that it would be corrected but I'm not certain that it will get done. Both of these conversations were on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have received several calls and letters from Credit Bureau Systems ( CBS ) stating that I owe {$440.00} for unpaid debts to XXXX XXXX XXXX. The debts are from XXXX. I have contacted XXXX XXXX XXXX and verified all of the debts were paid in XXXX. I have called CBS numerous times stating they were paid and they continue to call and send letters. The last letter was sent to my employer on XX/XX/XXXX. The last call to my cell phone was on XX/XX/XXXX. They have also called on numerous other occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit card debt was caused by Scammers and identity theft.

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 2021-02-24
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a master card synchroncy plus credit card with a 16 month no interest promotional and 2 % rewards. 
I used the card for the first time got the rewards but next time a logged in on the account the rewards had been removed and I was being charged interest. I contacted the company and was told I my card was not a promotional card it was a rollover account from an old XXXX card. XXXX went out of business last year. I got no answer on what happened to the rewards. I have never been late on any payments and I was paying much more than the minimum amount.

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 2021-11-28
Company: EQUIFAX, INC.
State: UT
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: UMB FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX, I was alerted to by a colleague of a sign up offer for UMB Bank. I proceeded to sign up for an account and was instantly approved. I initiated a transfer of {$100.00}, which was debited from my other checking account. Not long after that, and without any notification, my account was locked. Attempts to call were met with an hour long wait time. 

I received an email on XXXX asking for additional verification and I promptly uploaded the requested documents that I could provide. I called on XXXX after hearing no response at all and was told my documents weren't sufficient and the deadline had passed. I inquired about the {$100.00} transfer and was told it would return in 7-10 business days. 

We are now at business day 10 and there is no sign of my funds. To boot, {$3.00} was debited for having mailed statements, which I couldn't even opt out of because I was locked out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2020, I submitted an online application to Citibank to open a savings account. I received a letter rejecting my application and I contacted the bank. It was clear from our conversation that my previous identity theft duly reported to all three credit agencies to the federal trade commission etc. was responsible. The banker I spoke with on XX/XX/2020 assured me that if I removed the freeze from my account at XXXX there was a high probability the account could be opened despite the fraud alert that remained with all three credit agencies. I therefore lifted the freeze from XXXX From the date of our conversation on XX/XX/2020 through XX/XX/2020. I received a letter today on XX/XX/2020 notifying me that Citibank could not open the account based on the information they had received from XXXX. Records of my credit security at XXXX XXXX  confirm that Citibank contacted XXXX on XX/XX/XXXX and XX/XX/2020. Thus my application was rejected solely on the basis that I had a fraud alert entered on my report. The freeze has been lifted from XX/XX/XXXX through XX/XX/2020. I think it unconscionable that the mere presence of a fraud alert should preclude opening an account when all the appropriate identifying information has been submitted. I called Citibank today on XX/XX/2020 and they informed me that I should put in a third application which is very time-consuming process online and clearly would go nowhere since citibank new account management has decided that the account would not be opened. This is a sort of low grade fraudulent activity that characterizes criminal institutions like Citibank, XXXX XXXX etc. its only a matter of time till the weight of these complaints eventually catches up with the institution. I doubt anything will happen on the basis of one report like this but a report here a report there pretty soon youve got a few hundred reports And heads may roll. Thank you for your consideration.

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 2020-09-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is continuing to send me collection letters when I paid the debt off already on XX/XX/2020. There is no longer any debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: AMERICAN EXPRESS COMPANY
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express XXXX XXXX Called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Calling for an extended family member asking me to pass along a message. I have nothing to do with their finances. Contacting family members is a breach of privacy. They have also been calling my husband, mother-in-law and father-in-law asking them to pass along messages. The extended family member is working with XXXX XXXX XXXX. American Express should not be calling us just because we have the same last name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I ( XXXX XXXX XXXX ) applied for a mortgage modification through my mortgage servicing company PHH Mortgage. They sent me back a modification package that said i would have a balloon payment of XXXX at the end of the modification period. I have called them and talked to several people to try to get some clarification on the balloon payment. They have told me that the XXXX is in addition to the XXXX i currently owe on my loan. I couldn't believe what i was hearing, PHH mortgage company is adding XXXX to my loan amount because i am having trouble with making payments because i was forced to retire and my income is 66 % less than it has been. This is not helping me its actually hurting me in the long run. This can not be a fair practice, A mortgage company adds almost XXXX dollars to the balance of a persons loan whose income was cut by 66 %.

Company response to consumer: Closed with explanation