BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Pendleton Capital Management
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received multiple transaction alerts for charges I did not do. On XX/XX/XXXX only one had posted so I filed a dispute through USAAs application. They issued me a provisional credit while they researched the claim. On XX/XX/2019, I was informed via email that the investigation was complete and it was found that the fraudulent activity did not occur. The " evidence '' they provided to me was 5 pages and included the following : 1 ) Acquirer Allocation Pre-Arbitration Questionnaire 2 ) Merchant Response 3 ) Vivid Seats Cancellation Policy 4 ) ACM Purchase Details 5 ) Proof of Delivery The proof of delivery sent the product I didn't purchase to an email address other than my own. And the vivid seats cancellation policy, under place order, has it being submitted for {$1600.00}. Luckily it didn't go through for that amount and only went through for {$180.00}. The compelling evidence they found was that the CVV was used in the purchase which according to them " ... indicates that the card used to make this transaction was fully authorized, and the further attached evidence indicates the methods in which the purchase was delivered to the cardholder. '' After recieving this information I reached out to USAA to get a phone number to speak to someone in the fraud department. The first person I was able to get in contact with agreed with me that this was a fraudulent transaction after looking at the evidence and transferred my call to a colleague. After waiting on hold for XXXX minutes I figured the department was closed and ended the call. I called back to USAA again and got in touch with someone who said they were in the fraud department and informed me that I could contest this claim and again cited the delivery email address not being mine and and the attempted {$1600.00} charge as unusual. After getting off the phone with this representative I was convinced someone had taken this invasion seriously but I was wrong. Today, XX/XX/2019, the provisional credit issued to me has been reversed and my account overdrawn. I again reached out to USAA and was informed that the they " are not able to have this case reopened '' which means I was lied to by the two previous representatives who assisted me. 

I work in the financial industry and through this experience I have lost faith in our ability to protect consumers information and the banks themselves.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was a victim of identity theft and I had someone open up a fraudulent credit card in my name and it cause my credit score to drop down to XXXX from XXXX  and I contacted TD bank about this and they told me to take it up with XXXX  and I explain to TD bank that I was a victim of identify theft and they wont assist me much further and decrease my credit limit to XXXX from XXXX Ive been making my payments on time with TD bank and never been late and I dont deserve to be punish for theft mistakes I currently have a open dispute with XXXX because someone open up a XXXX credit card in my name and they are taking too long with the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2017 I went into Best Buy just to inquiry about a price of a XXXX laptop at the moment I did not have the full cash to buy the laptop as yet. During the conversation with a Best Buy sales representative he told me that I could get the laptop on finance without having to pay full price for the laptop he told me I could get the laptop if I apply for the best buy finance card and pay it of over time. 

The option that the sales person gave to me sounded interested at the time. I ask the sales associate if the application would be a hard inquiry on my credit report and to his responds he said no that the application would be a soft inquiry and that if I was accepted it would be instant. I ask the representive if he was sure and he said I didn't really wanted to do it at the time because I know my credit was just being built and told him that I would be deny to his response he said that it would not affect my credit if I was denied and that he has seen people that has just start building their credit who got approved for the card. 

At that time the sales rep convinced me and I entrusted him with the information he provided to me the it would not be a hard inquiry on my credit report. A couple months later to my surprised I am seeing the hard inquiry on my credit report from Best Buy and I felt like I was tricked with the old sales tact of bait and switched. 

I have reached out to Best Buy to see what they could do to get my report off and they gave me the run around. The information that came up on my credit report is CBNA/BBY with the contact information XXXX XXXX  XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX and I have seen the hard inquiry on my XXXX credit report I am not sure if it is on the other two credit bureau.

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 2019-02-12
Company: Bread Financial Holdings, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX keeps calling me and leaving VMs staying that this is an urgent matter and to contact them at a different number than what is coming up on caller ID. Plus they continue to call my wife, brother in law and sister in law leaving the exact same message even using my name. 
I work as a XXXX XXXX XXXX XXXX and can not change my number as I have emergency calls at all hours of the day/nite. These calls come at hours before XXXX most of the time but can come at any hour of the day. 
The thing is, I have not debit with this company. They shouldnt be calling me anyway!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I seen this company on my credit report Diversified Consultants and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Transworld keeps calling our home number looking for someone who does not live there and has never been associated with anyone in my family. We have asked numerous times to be placed on their do not call list. They say it takes 24 hours to have you removed yet its been 5 days since the last request and they still call every day. I've ask to talk to managers and I get the same story, it takes 24 hours yet they keep calling more than 24 hours later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: BAM Management US Holdings Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
They told me several months ago that I had a {$450.00} charge back and their automated system has froze my account and I couldn't have it unfroze until I deposited {$450.00} and only then It would unfreeze my account and let me back in at which time they would return {$450.00} back into my account. After checking my bank account and records I seen there was NO charge back but since they said I was getting it back I went ahead And scraped up the rest of my funds and deposited another {$450.00} in my wallet just so I could get back into my account. Well after I made the Deposit I emailed them and no response. I emailed them again and no response. It has been over 2 weeks and I can't get any response and my account is still frozen. Please please help me. They are crooks and stealing people 's money and just writing them off. Someone has to do something about this. Thank you and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-02-12
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX I was taken by ambulance to XXXX Hospital at XXXX XXXX in XXXX, Texas. While I was in the hospital ( note, I'm a XXXX veteran awaiting a XXXX XXXX and not in good health and all ) I believe my home health aide robbed my apartment in XXXX of laptop, card, cellphone and other items and used my card for about {$1600.00} in charges over the next few weeks. I was released in XX/XX/XXXX and immediately contacted XXXX XXXX NetSpend to file a dispute and freeze the card. My medical power of attorney, XXXX XXXX, at my request, contacted NetSpend to freeze the card in XX/XX/XXXX, they brushed him off and hung up on him. NetSpend, rather than really investigating the claim and following the EFTA and other federal laws, brushed off the dispute and just closed my account on the 10th business day when required to credit my account. By unilaterally deciding to close my account, after the cut off date for social security, it caused my VA/SSI benefits to be delayed almost 2 weeks. They gave a boiler plate resolution and justification for the dispute and have not allowed me any appeal or dispute of their " investigation ''. Documentation was submitted and overlooked. How was I responsible for fraudulent charges made in XXXX while I was in hospital in XXXX intubated. They said charges were consistent ... Four charges of almost the same amount at XXXX in 10 minutes ( {$100.00} )???? Balance inquiry which I never do cause of the app. They stole my laptop and phone. All personal information. Including my PIN. Further, they used the card to rent bikes by XXXX XXXX XXXX ... .I 'm a XXXX XXXX candidate using a XXXX and on XXXX  ... .how am I renting bikes in XXXX and XXXX while I am  laying in a hospital in XXXX. I wish I could ride a bike again. But, with all this obvious, prima facie evidence and documentation, NetSpend refused to honor the dispute and federal regulations and have by their unappealable actions have blamed the victim and then victimized the victim even more. Under the CPA and EFTA, I'm supposed to be protected from fraudulent charges. Yet NetSpend has allowed someone to take my federal benefits and just says oh well. I mean, they used the card for XXXX  and XXXX XXXX, both of which I already had an account. Why would I get secondary XXXX accounts???? Also please note. I have a notorized affidavit I sent NetSpend but can't upload it as it's over 10mb

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Not only are there inquiries on my report that I did not receive anything for which is a form of identity theft but there are accounts on my credit report that have not been validated thoroughly and correctly, been removed and reported on again, and my wet ink signature proving my CONSENT to share my PERSONAL AND PRIVATE information with these third party credit reporting agencies was NOT obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank XXXX XXXX Branch on XXXX and XXXX XXXX Ive been with Citibank for over 16 years always kept a high amount in the checking and savings {$10000.00} in each account This is been an ongoing problem this time its gone too far A fraud alert was put on my account back in XX/XX/XXXX it was lifted off of my checking account but not my savings account its still under fraud alert I cant get into my saving account to transfer to my checking I do this when my funds in checking get low especially when I have a big project that Im working on which is a part of my job Its now XX/XX/XXXX why is my savings account still held XXXX for that fraud alert from XX/XX/XXXX? 
How could they clear one account my checking and not the other my savings? 


Ive gone to the branch and they couldnt do anything they tried calling on the phone couldnt and get anywhere I have been calling as well before and after I went into the branch I finally got a hold of the Fraud department however its the wrong one from what Im told The fraud department Ive been in contact with can not do anything theres a special entity thats holding my account XXXX who what why and where who knows? 
No one can lift this fraud alert from my saving account but one entity within the fraud department By the time I go tru The verification process with each person new person I speak with and when They finally get me to that special entity within the fraud department its CLOSED Its been closed for 4 days in a row then I am told wait and contact them another day when they OPEN So now Im stranded as a XXXX until that special entity within the fraud department opens on Monday What kind of banking system is this? 
No can make this fiasco of a mess up I have to leave and move out of town for my current project on Monday but now I cant due to Me having to stay and have Citibank lift the fraud alert from my savings having to do this is costing me more money that I can not afford an Unnecessarily hardship Which is depleting my account in checking I had to borrow money from my parents for the first time ever in my life ever to put enough money into my checking to cover my living expenses until Citibank fix The problem they created 6months ago The fraud department can not lift the fraud themselves they have to go to another special entity within their own department who, what, why and where is such an special entity Who knows? 


This is very concerning to me how is it possible that they leave the customers hanging like this How is it that I do not have access to my own account and I have to wait how many days now How is this OK? Let alone right This is a new Low for this banking system

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 2021-04-12
Company: Lansing Professional Business Bureau,Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was hospitalized from XX/XX/XXXX - XXXX at XXXX XXXX XXXX XXXX in XXXX Michigan. I was actually in XXXX XXXX XXXX. However, the bill for {$1200.00} was sent to me by XXXX XXXX. 

I filed a grievance with the hospital based on the unsafe care I received. I contacted the hospital billing department to let them know what I was doing. I spoke with XXXX XXXX in Accounts and she said to wait until a decision was reached regarding the grievance. 

When I received the decision, I contacted XXXX and let her know I was appealing the decision. She talked with XXXX XXXX, Patient Experience Specialist, and it was agreed that I could wait before making payment til after the appeal decision was made. 

XXXX XXXX said she would reach out to me in early XX/XX/2021. I got the decision on my appeal and waited for a bill. When the bill didn't come, quite honestly I forgot about it. I never received a call from XXXX. 

I received a bill from Lansing Professional Business Bureau on XX/XX/2021 and misplaced it. Apparently the letter was requested by XXXX XXXX on XX/XX/2021 for nonpayment. c .I found this information out from XXXX at the Lansing Profesioinal Business Bureau . 
Apparently, on XX/XX/XXXX, according to the collection company - they called me and left a message to contact them regarding this. I don't remember getting the call and normally I don't answer unknown numbers. 

On XX/XX/2021 I came across the XX/XX/2021 bill and paid it immediately. 

I would like you to investigate : XXXX. Whether XXXX complied with its obligation to contact me before sending my bill to collections? 

2. What can be done to fix my credit score? I have taken great pride in how high it is and have been proactive for many years to keep it that way. 

My credit score has always been above XXXX and is has fallen to XXXX because of this letter from collections. I would like you to investigate what XXXX XXXX did with my bill - if I had heard from them, I would have responded immediately and paid the bill. 

The bill was paid off on XX/XX/2021.

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 2017-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
It 's being reported on my XXXX report and is wrong because the bestbuy acc is active under another debtor and is in good standing. I do not owe them any money and they should remove that information from my credit report. There were the ones who lost the XXXX acc not me

Company response to consumer: Closed with explanation