BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX 's credit card online and was turned down in a letter to me dated XX/XX/2018 stating " Unable to verify identity information ''. I immediately call the XXXX phone number provided in the letter to rectify the problem. After speaking to a supervisor I was told the cell phone # given wasn't the one in my credit file. I explained that I no longer have that phone and use one that is under my employers business name. I was told they needed to send a text message to a phone registered in my name. 

At that point I told them I have a landline home phone registered in my name through the cable company. The supervisor claimed a message was sent to it, but didn't work. She asked if I had blocked the phone from getting them. To the best of knowledge cordless landline phones can't receive messages of that type. 

Next step was me asking if there were any other ways to identify me. The answer I received was no and that the application couldn't be further processed. I called the Executive Office at the XXXX 's I shop at to complain and was basically told the store had nothing to do with it. I was then transferred to a sales manager on duty who said she would try and help. Never got back to me! 

I then called the XXXX 's corporate office in XXXX, OH. Ended up with a rep. from the wrong dep. that transferred me to what he said is the right dept.. It too turned out to be wrong and when I was supposedly transferred to the correct one the call was disconnected. 

My contention is XXXX 's by not asking me to go into one of their location with a picture ID to identify me discriminated in offering credit. Also nowhere on the XXXX 's web site does it state in order to get a credit card there must be a cell phone in the applicants 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 2018-05-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! 
Here is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/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 2018-06-25
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with the account listed under XXXX and XXXX. I requested a validation on XX/XX/2018 as there were 2 accounts that appeared to be duplicate. On XX/XX/2018 I received a response that one account was removed as it was duplicate however XXXX and XXXX still failed to validate the other account. A 2nd validation request for the remaining account was sent out on XX/XX/2018 to which I received a response on XX/XX/2018. The response I received consisted only of a copy of the response dated on XX/XX/2018 along with a statement from XXXX XXXX XXXX XXXX. The statement they provided did not include any information reflecting that they attempted to run the charge through insurance coverage that was effective on date of service nor that XXXX and XXXX has authorization to legally access my medical records and to attempt to collect on this account. Based on their failure to validate this account adequately I disputed the account with all 3 credit bureaus however the account is still reflected on my credit profile and continues to negatively affect me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX XXXX ( XXXX ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275.  These laws require a mortgagee ( XXXX ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. XXXX has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, XXXX states, The loan was sold and transferred to SPS effective XX/XX/XXXX. SPS states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and SPS is the mortgage servicer. If the loan was sold, as XXXX states and SPS confirms, XXXX is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XXXX, XXXX and XXXX. If the erroneous mortgages were transferred/assigned to SPS, as XXXX also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by XXXX to SPS, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both XXXX and SPS remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since XXXX has sold and transferred the aforementioned mortgages without adhering to established law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have repeatedly requested for a security alert to be removed from my credit report. I have provided copies of passport, drivers license, insurance forms, bank statements. They completely ignore my request or request the exact same documents over and over. I want punitive action taken.

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 2020-07-02
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received " invalid '' debt validation from XXXX XXXX, XXXX Vice President of Client Services via email. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I am allowed under HIPAA law to protect my privacy and medical records from third parties. I do not recall giving permission to ____ for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is as follows : Please provide a breakdown of fees including any and all collection costs and medical charges.

Please provide a copy of my signature with the provider of service to release my medical information to you.

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Immediately cease any credit bureau reporting until debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
In the past against my explicit wishes Firstmark Loan services has contacted family members including my elderly grandmother about loans that were just a few months past due. 

In the past year or so I have not let that account get that behind and it is currently up to date and has not been more than one month behind in probably a year or more. However I am, at most, one month in some sort of annual or biannual check of contact information which I updated online today. This info has not changed in 3 years. But without attempting call or email or send a letter about this they decide to start calling my Aunt instead. 

This is ridiculous I am a XXXX year old why do they keep reaching out to my family about my personal private information and all on a small student loan debt that has been a few months behind at worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX at approximately XXXX XXXX I contacted a debt collection agency after receiving notification from XXXX that a collection was added to my report. I inquired about the debt and was told that its on my credit and I need to pay it now to have it removed. I asked why wasnt I notified about the debt and he said they mailed letters to my old address and its not his fault that I moved. How can a collector report a debt to the credit bureau without first confirming that I owe the debt. The name of the agency is Ability Recovery Service and I spoke with XXXX XXXX x210 who was extremely rude and contentious.

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 2022-08-08
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please note this is not a duplicate complaint. I want to add some more facts that I recently discovered after getting the response from Penfed where they advised me to contact the NJ Unclaimed Property Administration department. I have contacted that department numerous times and adding those facts. 

Here is what they stated/advised in their response and the facts that totally contradict that. 

First, they state that " The balance in the account at that time was {$5.00} and we initiated a withdrawal as unclaimed property to the state of New Jersey. '' So far even after numerous calls and complaints they have not provided any proof that they did that. This is the link for searching unclaimed funds on NJ state 's website and nothing has sowed up there so far. XXXX XXXX XXXX The phone number for the Unclaimed Property Administration department is XXXX and I have called them multiple times and they have assured me that nothing was transferred from Penfed to them. My last call with them was about an hour and the lady assured me that there is nothing from Penfed and the only way they can investigate firther is if Penfed provides some proof that they actually transferred something to satate of NJ. 

Second, they state that " Our representative assisted you in reviewing the New Jersey website which indicated they did not display property under {$10.00}, and advised you to call the state of New Jersey directly for further assistance ''. This is a flat out lie as there is no such thing on this website that says that funds under {$10.00} are not displayed. I have called this department at XXXX numerous times and they have assured me that there is no such limitation. So seems like Penfed is adding to the lies to cover for the lies that they have already told.

Thirdly, they state that " You initially established membership with PenFed in XXXX  and maintained a regular share account with a small balance and a credit card. '' I did not even want to open a bank account. Penfed forced me to open an account to get the credit card. I have never had any activity in that account and it stayed open for years. I logged into the website every few months so they are lying when they state that they had no contact with me. They had all my current and correct details including my phone number, email address and mailing address but made no attempt to contact me before stealing my funds. They even lied to me on the phone when they said that a letter was sent to me about my account closure. At least they are now finally admitting that they lied about that.

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 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good afternoon, I am showing a new address that has never been associated with me. The address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Fl. XXXX. Also the following phone numbers have never been associated to me : XXXX XXXX XXXX XXXX I am afraid someone is using my name or SS and might open accounts under my name. I am checking my report now.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX account with an outstanding balance of {$980.00} not reporting accurately across the three bureaus after multiple disputes have been opened. The account continues to come back verified but the information being reported does not align across all three bureaus nor does it align with what the original creditor supplied with billing statements as well as their own response to an inquiry.

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 2020-07-30
Company: Experian Information Solutions Inc.
State: NC
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2020-08-21
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
A US Bank card was sent to my parents address in XXXX  with my name on it. It is a " Relia-card '' for unemployment benefits. I was shocked when they told me because I live in XXXX  state and never applied for unemployment in XXXX. I have called the fraud hotline in XXXX  and notified them but was advised I would not hear back for 2-4 weeks. I am very confused how 1 ) an unemployment claim could be taken out in my name without my personal information and 2 ) how US Bank is not doing more extensive security checks before issuing these debit cards. I did have to apply for and use unemployment for a few months in the beginning of the Covid break out, but have since gone back to work. The unemployment I applied for was in XXXX  state AND I ALWAYS do direct deposit. I NEVER use the debit card option. I would like to leave this complaint as an official report of fraud and to get some sort of confirmation that this is being watched or taken care or/ help with what to do next. 
Please contact me as soon as possible. 
Thank you, 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 2020-11-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. 
B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. 

C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 

1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 
2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. 
Please expediate any other issues that you may find. 
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California 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 2021-06-02
Company: EQUIFAX, INC.
State: NC
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:
This is the second time we are contacting you about a car loan we paid off in XX/XX/1922 XXXX XXXX XXXX via our bank account at XXXX XXXX XXXX. The situation was resolved with us making a new payment having received a refund of the original payment. We have the title of the car. Our balance on XXXX XXXX finance shows XXXX. And yet we are receiving reports from equifax that our credit score has dropped to XXXX + points And then we are past due again.We have spent hours on the phone with XXXX XXXX XXXX, XXXX XXXX XXXX, And all the credit bureaus to resolve this the first time. I am now spinning additional time on this a second time. The car is and has been paid off for months. At this point I believe XXXX XXXX financial services needs to be penalized in a financial way. Their assurances to me over the phone that this is all been corrected are obviously not the truth.I have paid and re-paid the balance on this car. This was an early payoff, that has cost me a huge amount of time and trouble. I work for a XXXX XXXX company. The CFPB able to fine the XXXX XXXX XXXX for XXXX of XXXX for this kind of behavior. I expect XXXX XXXX finance to be held to the same standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called capital one and explained we were in COVID and XXXX XXXX was shut down. I didn't have the money for my payment. They told me they would defer it because of the pandemic. I noticed a late on my credit report that they told me would not be there. I have now caught up on my payment and don't know why i was dinged - I am on auto pay. 

this is outrageous. We are in a pandemic. 
My account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MY DAUGHTER WENT TO ER. THEY WROTE DOWN WRONG INSURANCE CARD NUMBER. UNKNOWN TO ME WAS TURNED OVER TO COLLECTIONS AND I CAN NOT GET A MORTGAGE. I CALLED ARS THEY REFUSED TO CALL MY INSURANCE. I FINALLY GOT A DEBT DELETION LETTER WHICH I USED TO UPDATE MY DESPITE WITH THE CREDIT AGENCIES BUT DESPITE INCLUDING THE LETTER IN MY REQUEST ARS STILL CLAIMED THAT THE DEBT WAS ACTIVE AND THE CREDIT AGENCIES STILL POSTING THE DEBT AND I CAN NOT GET A MORTGAGE AS THIS KILLED MY CREDIT RATING FOR A BILL I NEVER OWED.

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 2020-08-21
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:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE BEEN FIGHTING TO CLEAR MY NAME AND THE CREDIT BUREAUS ARE NOT HELPING ME MUCH.

Company response to consumer: Closed with explanation