BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-23
Company: CITIBANK, N.A.
State: WA
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 customer service

Complaint:
I have requested Citibank the issuer of my CITI Thankyou Preferred master card to resolve my access to my online account so that I can view my online bills, make payments and access other rewards/points services associated with the account. 

The issue has been unresolved and my only access to bill statement is via my bank through which I have signed to receive ebill statements. 

The primary issue in resetting access to the online account is due to the fact the number registed with my account is a voip ( voice over IP ) number and is not a cell number which can receive text messages. Even though citi reset links on it web page provide the " call me " options, it doesn't operate as advertised and treats it as a textable number. 

On numerous occasions citi 's customer support denied to update the number to a cell number to resolve the issue or provide alternate means to resolve the issue for eg. a reset option via US postal service to the customer address on file. 

When the customer support did walk through the process of updating the record with the cell number it did not reflect on the website reset options. The customer support suggestion to create a new online account/identity is not supported by https : //www.citi.com/credit-cards/home for an existing registered identity associated with the card holder. 

I had also posted via certified mail a letter to Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX on XX/XX/2020 which did not elicit any response. 

At this point I am left with no recourse but to file a complaint with consumer finance.gov.

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 2020-11-24
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a " reduced balance opportunity '' notice from Convergent Outsourcing , Inc. regarding an alleged debt from XXXX for {$4600.00}. I have never had an account with XXXX and I told this woman who answered, who identified herself as XXXX XXXX. When I was going through the prompts and asked for an agent, it then asked why I wanted an agent I replied that I thought it was fraud. After going through account numbers, etc., I told her I never had a XXXX account. She immediately replied that it was probably " identity theft ''. She then said she would send me a " fraud packet '' and that I would need to file a police report, and then return the packet and police report. Supposedly this will arrive in 7-10 days. 

The " offer '' is : " We have been authorized to accept payment of 60 % of the total balance, which is {$2700.00}, in exchange for which XXXX will recall your account and cease all collection activity. If you are interested in taking advantage of this offer, call our office within 14 days of the date of this letter. Please note that this is not an offer to accept 60 % of your debt as payment in full, but an offer for XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. '' There has been no " collection activity ''. This is a scam. 


There are two addresses on the " letter '' : Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX, PA 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 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I have tried TWIC -- once in XXXX and once in XXXX -- to get my free credit reports from XXXX  and Transunion. 
They send letters and I have to do a bunch of stuff in writing. 
The reasons they give -- particularly XXXX, Transunion just does not send one -- vary. Once they said I ordered one within past year. Nottrue. Last ordered in XXXX. I do not remember what the lastexcuse was. 

Is this a ploy to get us to PAY for credit reports? 

This is nonsense. 

I am XXXX and this is not fair. 
I MUST get to my credit reports. I have wasted months

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 2017-09-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My XXXX account, after many years, suddenly allows one of my valid payments methods to randomly change on various online companies, i.e., XXXX, XXXX, etc. 
I have made two calls to PayPal and both were redirected to offshore agents. Both agents claim security issues, but none coukd tell me the cause. When I demanded that an investigation be opened and I requested a case number they refused. 
Furthermore, I was told I could close my account and use a different payment method, however, this does not resolve the issue. PayPal refuses to follow up and act to provide me with proof that their security actions randomly activated are, in fact, not hacks or failures of their own system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Experian Information Solutions Inc.
State: OR
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:
On XX/XX/XXXX, I called XXXX XXXX to pay off my XXXX XXXX credit card account, which apparently in the process of being sold ; however, had not yet been sold to collection agency. So, I paid the balance of {$670.00} in full via my bank check card and was told that I would receive a letter stating this debt was paid in full. Upon receiving the letter, I filed a dispute with Experian Credit Reporting Agency on XX/XX/XXXX to change the status of the XXXX XXXX account from [ Closed. {$670.00} written off. ] to Closed. Paid in full and uploaded a copy of XXXX XXXX 's proof of paid in full letter. Experian 's Dispute Center sent me an email stating that dispute was completed ; however, they had changed the payment status of the XXXX XXXX account to CHARGE-OFF. According to the New Rules About Reporting Charge-Offs The National Consumer Assistance Plan, introduced by the three credit reporting bureaus to address errors and inaccuracies on consumer credit reports, implemented new rules about collection accounts in XX/XX/XXXX. 

Among the changes were requirements for more detailed and accurate information, including updating when collection accounts have been paid in full. I called Experian on XX/XX/XXXX after submitting 3 additional disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to change payment status to Paid in full and Experian refuse to do so.

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 2023-01-09
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Wrote to this company multiple times whereas I asked them to stop contacting me yet they continue to do so via telephone calls and U.S. Postal Mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Nations Info Corp
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Never signed up for keep taking money out of account

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 2019-02-21
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I am receiving credit-related promotional material from many sources, at my home residence and my work address. The addressed name is not mine, but the street addresses are correct. I looked on my credit reports for the different agencies and there seems to be one address reported as a home address that is not mine at all. I wish to remove this address from my reports and also find out how to remove any associated accounts opened with my credit information but under this other person 's 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 explanation
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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: Card was charged for something you did not purchase with the card

Complaint:
Seven ( 7 ) letters attached explain the issue in detail. You are welcome to contact me by phone, mail or email for further information or clarification. 

For over a year, XXXX XXXX has been making unauthorized charges to my Capital One credit card. 

I have repeatedly asked XXXX to stop and I repeatedly have asked Capital One to not allow charges from XXXX. Both companies continue to act unilaterally and they ignore my requests. 

Capital One will not credit my account for these unauthorized charges. 

Capital One has damaged my credit rating due to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
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:
A charge off from 2012 appears on my credit report from XXXX XXXX XXXX. This charge off shows up on my report from only one reporting agency. I contacted the creditor they denied my request for a credit validation letter. I was told by the representative I spoke with to contact the police instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint : the mortgagee ( Chase Bank ) is collecting more than the allowed amount for my escrow account. The escrow account is to collect for payment of my home insurance and property taxes. I called Chase Bank I believe back in XX/XX/2018 to discuss their error, but they did not remedy the complaint. 
Details : My combined annual home insurance of {$860.00} and annual property taxes {$2500.00} total the amount of {$3400.00}. The Chase Bank is collecting in escrow a total annual amount of {$4400.00} ( ie.  {$370.00} x 12 = {$4400.00} ). Per HUD, the maximum a lender is allowed to collect is the total annual amount due ( {$3400.00} ) plus two months ( {$3400.00} / 12 = {$280.00} x 2 = {$560.00} ). Per HUD rules, this totals a maximum allowed escrow amount of {$3900.00} ( ie. {$3400.00} + {$560.00} = {$3900.00} ). Chase Bank is collecting {$460.00} over the maximum allowed ( ie. {$4400.00} - {$3900.00} = {$460.00}. ). 
Chase Bank needs to correct the escrow collection amount to comply with HUD rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: Skrill USA, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
on XX/XX/2019 I received a email from Skrill confirming a payment of {$100.00}. The body of the email was addressed to someone else showing a credit card number that was not mine. There does not appear to be any issues on our credit cards. I called Skrill for an explanation. I was told this was a payment and the person making the payment was the one that listed my email for confirmation. I have no knowledge of the person who made this payment or how they got my email. I have never had any dealings with Skrill.

Skrill said all they can do is erase my email from their data base and records. I ask to speak with security about this incident to be certain there were not other issues. I was told that would not be possible.

I am concerned that there could be some sort of scam or fraud at work here. Skrill was not offering to do any research into the incident.

It makes no sense to me that a person I have never heard of would have my email info and use it for confirmation of payment on Skrill, something does appear right about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I followed an online promotion from Truist for a {$400.00} bonus for opening a personal checking account. I completed this online and then set up online access. Their system submitted trial deposits to my current bank, which we submitted successfully. 

One day later, I attempted to verify the trial deposit amounts and was told my account was blocked for fraud. There are zero transactions, not even an opening deposit on this account. I was on the phone several times speaking to overseas reps who continued to say either the account was blocked or closed, but I never got a consistent answer. 

The six phone transfers were always to the wrong department ; at one point, I was sent to the XXXX XXXX XXXX. ( Please see recordings attached ) Accordingly to other individual comments/reviews online, Truist is doing this to combat paying the {$400.00} account opening bonus.

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 2020-06-03
Company: Dovenmuehle Mortgage, Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This home was purchased in XX/XX/XXXX. The mortgage company is claiming that they have paid the tax authority taxes dated XXXX totaling {$11000.00}. Additionally, the mortgage company states that they have paid taxes for XXXX for this property in the amount of {$1400.00}. I am requesting proof of payment for the taxes paid for XXXX as copies of checks or copies of the transaction where money was sent to the tax authority. 
The XXXX taxes were paid by me before XXXX/XXXX/XXXX as shown on the property 's tax history payments XXXX ) Furthermore, the mortgage company has paid taxes for XXXX in excess of what was already paid or even worst made a terrible mistake and paid the taxes twice.I have reached out to the tax authority and they have conformed there there is no records of a payment made by the mortgage company for taxes on this property for any year. 

The mortgage company paid these taxes without letting me know and now they have included taxes into the escrow account and they are making me pay for taxes that have been paid and were not owed. 

I have contacted Dovenmuehle since XX/XX/XXXX of XXXX over 30 times about this issue but they have not provided any information about the payments made nor they have reached out to the tax authority to fix their mistake I am requesting the Mortgage company to please provide copies of the checks sent to the tax authority as well as payment receipts of the taxes they claim they have paid for the XXXX period. 

The closing company legal team and myself have reached out to the taxing authority and the taxing authority confirmed that they have not received payment form the mortgage company because there were no outstanding taxes as claimed by the Mortgage company. 

The Mortgage needs to send me information of the payment made to the tax authority like cancelled checks or payment receipts. The closing company lawyer spoke to XXXX XXXX at the Tax Authority of New Orleans and Mr. XXXX confirmed that the taxing authority does have any records of the Mortgage company sending such payments, nevertheless, I am being charged with taxes that the mortgage can not show proof of payment like cancelled checks or payment receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
CFPB I made an uniformed decision when I entered this consumer credit transaction with Capital One. This agreement was not clear and conspicuously and I did not receive adequate notice I did not agree to such agreements, I didn't notice nor did I understand what an agreement is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Solomon and Solomon collection agency in XXXX NY contacted me about a debt they are claiming I have through XXXX XXXX  XXXX XXXX XXXX XXXX last XX/XX/2018 ). I never gave them permission to keep calling me after I spoke with them. I ended up blocking their office number in XX/XX/2018 because they kept calling me. Around XX/XX/2018 they started contacting me from their toll free number and they have left voicemails twice. I never gave them permission to ever leave voicemails on my phone from either number. The heading on their collection letters states they are not legally allowed to call or leave voicemails to anyone without permission.

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 2017-09-14
Company: Experian Information Solutions 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:
I have contacted Experian numerous times filing multiple disputes via online and over the phone regarding inquiries recorded on XXXX XXXX, 2017, XXXX by XXXX, another by XXXX not authorized by me. Experian has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding XXXX delete the inquires immediately. 

Additionally, I have disputed an account on my credit file listed as XXXX XXXX, account number XXXX. This is a derogatory account that is not mine, I have no knowledge of and have tried for months to have it removed from my file. It is showing as a closed account with a balance of $ XXXX. I have asked Experian to provide written documentation validating this account and they have been unable.The 15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. I am demanding this account be deleted from my credit report immediately. I have never had an account or contract with 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 2019-02-21
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation