BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, Citi closed my accounts without notice. The attached letter says the account was closed on XX/XX/XXXX but it was actually closed on XX/XX/XXXX. I have made multiple attempts to find out the circumstances but Citi has not replied, including writing the address provided in the enclosed letter. I have had Citi credit cards for about 25 years so I have a long history with them. I am disappointed by the closure and the timing in the middle of a pandemic. Very poor form. After 25 years of being a customer, I am due an explanation at the least.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
My name is XXXX XXXX XXXX. I'm writing you because I'm having some trouble with TransUnion with false reporting on my credit report. I have investigated several times and they keep saying the courts is telling a lie. Please help me resolve this. I filed a complaint with you all one because and I would like to know if you all checks into as well. my complaint was # XXXX that was my old one and nothing got done and it's still a lie. So, with this one i hope that i can get help.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2018-01-03
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a complaint against Ally Bank regarding my checking account ending in XXXX. Checks I have deposited into that account range between a {$200.00} and {$530.00}. Ally 's policy is that checks over {$200.00} should have only a 2 day hold yet their actual hold times on over {$6500.00} of my deposits has been more than 5 business days to date. I deposited 17 checks on and between XX/XX/XXXX XX/XX/XXXX for a total of {$7400.00}. I sent secure messages to Ally Bank through my online account on XX/XX/XXXX and XX/XX/XXXX requesting that they make the funds available. I have not had a satisfactory response. I have also tried calling the bank 3 times to talk to someone and each time the hold time was over 30 minutes. I could not hold that long two of the days I called. Today after holding 37 minutes the system hung up on me before anyone answered. My online dashboard says I have available XXXX with a current balance of {$10000.00}. The problem is that after seven to nine business days since my deposits, still {$6500.00} of my funds are not available to me. I want Ally to make all the funds in my current balance available to me.

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 2019-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19, I saw a posting on XXXX for tickets. I've purchased tickets through XXXX a million times so I was not too concerned. 

I sent money through my XXXX app for {$90.00} and received only silence. I had no idea that my bank would not cover something they endorsed and provided through their sanctioned online application. 

I did not receive my tickets and the bank refused to refute the transaction or give me my money back. I made two calls to XXXX explaining the situation. They said there are no consumer protections. I called XXXX. XXXX could see the account but also that there was no way to stop the transaction. 

The companies involved are XXXX and XXXX, and Bank of America, through the XXXX app. 

The scammer using the XXXX XXXX XXXX was a Bank of America customer.

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 2019-10-30
Company: AMERICAN EXPRESS COMPANY
State: IL
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:
After conducting my annual credit report review, I have notice several items on my credit report that does not belong to me. I have filed a police report, submitted a letter of concern, proof of identity, and address to the companies in question. It has been over 45 days and I believe, that should had been enough time to investigate that these accounts was fraudulently established without my permission. These accounts was established without verifying identification. Which that alert was already established on my credit report before these accounts was open, requesting verification. I guess that system is flawed as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Southwest Credit Systems, L.P.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Per CFPB - The proposed judgment against the XXXX XXXX XXXX XXXX XXXX has been filed with the U.S. District Court for the District of Delaware, and it is effective only if approved by the presiding judge. The consent order is effective immediately. 

Under the Dodd-Frank Act, the Bureau has the authority to take action against institutions or individuals engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. Under the terms of the proposed final judgment and consent order, the Bureau is requiring the companies to : Stop filing collections lawsuits on debt that can no longer legally be sued over : Statutes of limitation limit the amount of time an individual or company can go after someone in court for a debt that is allegedly owed. Under the terms of the proposed final judgment and the consent order, the companies are prohibited from tying consumers up in litigation after the expiration of the applicable statute of limitations. 
Stop attempting to collect, reporting negative credit information, and suing consumers for debt without proper documentation : Under the terms of the proposed final judgment and the consent order, the companies are prohibited not only from suing without documentation, but also from collecting and reporting negative credit information without documentation. 

XXXX XXXX XXXX XXXX XXXX continues to pursue and collect debt by filing a civil lawsuit with the Superior court of the state of Arizona - Through the XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, AZ XXXX. 

Per court documents, all collection attempts should ceases until a 100 % audit of all cases are completed. 

I am currently continue to be served papers for court proceedings for case No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
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: Investigation took more than 30 days

Complaint:
I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been XXXX for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions 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:
XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the 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 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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 applied for a capital one silver card I was approved for XXXX initially there was a delay in my application process and I was asked to mail a copy of my drivers license and with no avail after capital one identified I was XXXX American they came back and said my credit limit would only be {$500.00} my credit score was XXXX with all major credit bureau with no collections I have at least 6 people that are non XXXX American that have XXXX credit limit with less income and XXXX credit rating this type of bigotry is unacceptable and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: EQUIFAX, INC.
State: MO
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:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased car equipment from XXXX, item arrived damaged, I contacted XXXX, and they refused to help stating shipping company damaged item, refund would not be paid, I dispute with financial institution Chime, and was denied, I am still waiting on documents they used to deny my claim The Claim number for this dispute is XXXX for account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Just today, my mother in law received a call from a navient worker named XXXX. This is the third time she has called her. My info WAS ALWAYS updated in their system. I have no answer as to why they are calling her! My financial business is not hers, and she does n't want these calls either. THE START : If you go back a year ( or more ) you will see that I was making my payments ON TIME. Unfortunately, I lost my job in XX/XX/XXXX. I DID MY DUE DILLEGENCE TO CALL NAVIENT AND LET THEM KNOW I LOST MY JOB AND COULD NOT PAY RIGHT NOW! I also informed them that I would certainly pick back up in making ontime payments when I get back working ( please check recordings since they make it clear they are recorded ). They are STILL calling me about making payments. I then talked to them again and let them know about my situation and they blew it off as if I was a horrible person. I asked them to PLEASE make a note on my account about what I 'm going through. Then today happens! They keep calling badgering my mother in law and when I called them back, they badgering me to make a payment! It 's very frustrating that they are not caring enough to listen to what my struggle is ( briefly ). It 's like they do n't care about me as a person! I have a family, kids, wife ... they know I ca n't pay right now, so why keep asking me? This is not fair nor is it any type of good customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband XXXX XXXX and myself ( XXXX XXXX ) tried to purchase a XXXX home at the property address of : XXXX XXXX XXXX XXXX, TX XXXX through the sales person XXXX XXXX of XXXX XXXX  ( Phone Number : ( XXXX ) XXXX ) ) using our XXXX  Approval Letter from XXXX XXXX at XXXX XXXX. However, the sales person XXXX refuses to put us under contract for the home because he states we are using an outside lender and his corporate office will not accept our approved letter. This is illegal as they can not deny us for simply using a lender that is not one of their preferred lenders.

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 2017-07-26
Company: CIT BANK, NATIONAL ASSOCIATION
State: DC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am now XXXX years old and I live in XXXX, XXXX and own my home since XX/XX/XXXX. Back in XX/XX/XXXX, I began the process to get a reverse mortgage. My broker person works out of XXXX XXXX  in XXXX. I was to finalize on this reverse in XX/XX/XXXX and then they kept finding different things that I had to provide them that pushed the date off and now we are in XX/XX/XXXX and we have not gotten there yet ... I informed my mortgage company -- CIT Bank of my plans and in XX/XX/XXXX they stopped taking my mortgage payments, I believe to push me into foreclosure. However, I wasnt worried about this because I knew that they knew that I was going to the reverse mortgage and get out of the relationship with them. The problem is that we are going into XX/XX/XXXX and I still have not closed on this new reverse mortgage, and my company -- while not allowing me to pay my mortgage, ( which also includes some shady stuff, which is the reason I want OUT from this company altogether! ), they are increasing the amount of money I am to pay them to have this mortgage by LEAPS AND BOUNDS!!! And I am not getting ANY real explanation from my broker .... or at least a reason that is reasonable!! Our last pay off deadline was XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX my company has increased the money I am to bring to the table {$6000.00}!! WHAT!!? The amount of money changes from one day to the NEXT day, where the pay off amounts from CIT are concerned! I believe I need some assistance from your bureau in this matter! One of my biggest concerns is that this process is offered to seniors -- persons over XXXX years old,  so the banks probably believe they can tell old people ANYTHING and to PAY ANYTHING and they will pay it, REGARDLESS!! I really want to get the reverse mortgage, BUT I dont want to be SCAMMED! I believe they will retaliate against me if I push them on this because of how they, 1. stopped taking my mortgage payments -- then they wrote me & told me they sent me a check, WHICH THEY DID NOT DO!, 2. they will make it impossible for me to get the reverse because they will cost me out of it -- charging me so much that I wont have the money to pay it, and XXXX ... .AND by then, I will be in foreclosure, and not able to do ANYTHING! I think I am being SCAMMED! the CIT bank is a hard bank to talk to -- they are just out right MEAN and I hate to talk to them! they call me 40 times a day! the calls are intimidating ... Please help me! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( 2 times ) The phone number is XXXX and XXXX The company is identified as Diversified Consultants Incorporated. They are claiming to have an outstanding XXXX bill for me and is requesting that I give them the last four digits of my social security number and my current address in order to receive any of the actual details regarding the past due bill. I have told them over and over again I have a current bill with XXXX and do not have a bill in collections and if I do to please send all the information in writing. They are refusing unless I provide them with personally identifiable information. I called XXXX to clear the matter and they assured me I do not owe the bill. I called back to the collection agency to try to clear the matter and the person answering the phone refused to acknowledge that any one had called me from the company. I told her this was the number showing on caller ID. I told her I has spoken to a young man who identified himself as XXXX XXXX. She would not say whether anyone by that name worked at the place of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
There was a fraudulent transaction to my personal checking account on XX/XX/XXXX.  Somehow, there was {$1500.00} taken out of my checking account from a bank teller in XXXX, Arizona. I live across the country in XXXX, NY and have proof that I was at work the day of the fraudulent transaction. I checked my bank info online on XX/XX/XXXX and immediately submitted a claim when their department was open that following Monday.. I have now filed a claim with Bank of America that has been denied, sent a re-claim with documentation attached. Still have not heard back or what type of direction the investigation has taken after no less than 7 calls to their department. No answer on while they denied my claim or answers on how they have investigated  claim. This should be an easy investigation by looking at the bank cameras at the time, date and location and noticing it was not me taking out the {$1500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N 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 COMMISIONS 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